Home > American National Bank & Trust > Performance and Condition Ratios
American National Bank & Trust, 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 | 5.5082% | 1,146 |
| Cost of funding earning assets | 2.8505% | 192 |
| Net interest margin | 2.6577% | 3,886 |
| Noninterest income to average assets | 0.9800% | 657 |
| Noninterest expense to average assets | 2.5804% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7436% | 3,065 |
| Return on assets (ROA) | 0.7436% | 3,047 |
| Pretax return on assets | 0.9093% | 2,939 |
| Return on Equity (ROE) | 7.3000% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.3025% | 1,791 |
| Net charge-offs to loans | 0.0067% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 173.9600% | 643 |
| Efficiency ratio | 73.9444% | 1,467 |
| Assets per employee ($millions) | 7.1982% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,093 |
| Loan loss allowance to noncurrent loans | 420.0169% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 1,944 |
| Noncurrent loans to loans | 0.2938% | 2,124 |
| Net loans and leases to total assets | 74.6200% | 1,283 |
| Net loans and leases to deposits | 85.4590% | 1,658 |
| Net loans and leases to core deposits | 102.4926% | 1,307 |
| Total domestic deposits to total assets | 87.3200% | 1,580 |
| Equity capital to assets | 9.4850% | 2,356 |
| Core capital (leverage) ratio | 9.8484% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1728% | 2,179 |
| Memoranda: | ||
| Average total assets | $1,913,213,400 | 596 |
| Average earning assets | $1,809,330,600 | 573 |
| Average equity | $194,823,200 | 552 |
| Average total loans | $1,502,770,400 | 511 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3533% | 1,206 |
| Cost of funding earning assets | 2.6878% | 197 |
| Net interest margin | 2.6655% | 3,927 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 2.5987% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7173% | 3,269 |
| Return on assets (ROA) | 0.7173% | 3,253 |
| Pretax return on assets | 0.8856% | 3,137 |
| Return on Equity (ROE) | 6.9100% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.9080% | 2,323 |
| Net charge-offs to loans | 0.0042% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 262.4468% | 496 |
| Efficiency ratio | 74.5827% | 1,312 |
| Assets per employee ($millions) | 6.9481% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 2,007 |
| Loan loss allowance to noncurrent loans | 605.8503% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,273 |
| Noncurrent loans to loans | 0.2098% | 2,511 |
| Net loans and leases to total assets | 77.3100% | 961 |
| Net loans and leases to deposits | 89.2644% | 1,288 |
| Net loans and leases to core deposits | 102.7524% | 1,177 |
| Total domestic deposits to total assets | 86.6100% | 2,013 |
| Equity capital to assets | 9.7772% | 1,945 |
| Core capital (leverage) ratio | 10.2041% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1737% | 2,212 |
| Memoranda: | ||
| Average total assets | $1,857,050,750 | 612 |
| Average earning assets | $1,754,919,750 | 588 |
| Average equity | $192,835,000 | 552 |
| Average total loans | $1,474,645,000 | 520 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 1,275 |
| Cost of funding earning assets | 2.5388% | 178 |
| Net interest margin | 2.6225% | 4,087 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 2.6175% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6731% | 3,400 |
| Return on assets (ROA) | 0.6731% | 3,402 |
| Pretax return on assets | 0.8282% | 3,334 |
| Return on Equity (ROE) | 6.3500% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.3452% | 2,496 |
| Net charge-offs to loans | 0.0044% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 233.8125% | 532 |
| Efficiency ratio | 75.9638% | 1,179 |
| Assets per employee ($millions) | 6.5957% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 1,846 |
| Loan loss allowance to noncurrent loans | 815.1182% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 2,583 |
| Noncurrent loans to loans | 0.1619% | 2,669 |
| Net loans and leases to total assets | 78.4900% | 784 |
| Net loans and leases to deposits | 89.6234% | 1,217 |
| Net loans and leases to core deposits | 102.0212% | 1,132 |
| Total domestic deposits to total assets | 87.5700% | 1,760 |
| Equity capital to assets | 10.1161% | 1,790 |
| Core capital (leverage) ratio | 10.5076% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3135% | 2,170 |
| Memoranda: | ||
| Average total assets | $1,806,738,333 | 615 |
| Average earning assets | $1,705,265,333 | 598 |
| Average equity | $191,671,333 | 542 |
| Average total loans | $1,442,089,000 | 517 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 1,437 |
| Cost of funding earning assets | 2.2482% | 173 |
| Net interest margin | 2.6378% | 4,166 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 2.6677% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6033% | 3,683 |
| Return on assets (ROA) | 0.6033% | 3,646 |
| Pretax return on assets | 0.7397% | 3,587 |
| Return on Equity (ROE) | 5.5500% | 3,795 |
| Retained earnings to average equity (ytd only) | 5.5470% | 2,875 |
| Net charge-offs to loans | 0.0085% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 108.3000% | 749 |
| Efficiency ratio | 78.2922% | 974 |
| Assets per employee ($millions) | 6.3742% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,624 |
| Loan loss allowance to noncurrent loans | 920.1472% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 2,603 |
| Noncurrent loans to loans | 0.1522% | 2,733 |
| Net loans and leases to total assets | 78.1000% | 754 |
| Net loans and leases to deposits | 89.8109% | 1,069 |
| Net loans and leases to core deposits | 100.3446% | 1,076 |
| Total domestic deposits to total assets | 86.9600% | 2,280 |
| Equity capital to assets | 10.5457% | 1,544 |
| Core capital (leverage) ratio | 11.3118% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6964% | 2,096 |
| Memoranda: | ||
| Average total assets | $1,757,032,000 | 637 |
| Average earning assets | $1,655,933,500 | 619 |
| Average equity | $191,093,000 | 555 |
| Average total loans | $1,405,101,000 | 538 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 975 |
| Cost of funding earning assets | 0.9867% | 175 |
| Net interest margin | 3.3587% | 2,388 |
| Noninterest income to average assets | 1.1500% | 508 |
| Noninterest expense to average assets | 2.7414% | 1,459 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.1523% | 1,962 |
| Return on assets (ROA) | 1.1523% | 1,907 |
| Pretax return on assets | 1.4085% | 1,746 |
| Return on Equity (ROE) | 9.9000% | 2,840 |
| Retained earnings to average equity (ytd only) | 9.9022% | 1,188 |
| Net charge-offs to loans | 0.0069% | 2,148 |
| Credit loss provision to net charge-offs | 3,048.7805% | 186 |
| Earnings coverage of net charge-offs (x) | 294.4756% | 496 |
| Efficiency ratio | 63.5676% | 2,558 |
| Assets per employee ($millions) | 6.3575% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 2,799 |
| Loan loss allowance to noncurrent loans | 949.4472% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 2,782 |
| Noncurrent loans to loans | 0.1178% | 2,935 |
| Net loans and leases to total assets | 79.8700% | 608 |
| Net loans and leases to deposits | 90.8505% | 992 |
| Net loans and leases to core deposits | 117.0594% | 425 |
| Total domestic deposits to total assets | 87.9200% | 2,094 |
| Equity capital to assets | 11.2242% | 1,173 |
| Core capital (leverage) ratio | 11.5678% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8392% | 2,036 |
| Memoranda: | ||
| Average total assets | $1,536,872,000 | 687 |
| Average earning assets | $1,446,516,800 | 674 |
| Average equity | $178,849,800 | 577 |
| Average total loans | $1,181,261,200 | 591 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1009% | 1,068 |
| Cost of funding earning assets | 0.6565% | 321 |
| Net interest margin | 3.4444% | 1,824 |
| Noninterest income to average assets | 1.1600% | 530 |
| Noninterest expense to average assets | 2.7014% | 1,472 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.2204% | 1,627 |
| Return on assets (ROA) | 1.2204% | 1,602 |
| Pretax return on assets | 1.5269% | 1,337 |
| Return on Equity (ROE) | 10.3800% | 2,616 |
| Retained earnings to average equity (ytd only) | 10.3817% | 1,234 |
| Net charge-offs to loans | 0.0004% | 2,338 |
| Credit loss provision to net charge-offs | 63,333.3333% | 6 |
| Earnings coverage of net charge-offs (x) | 6,334.6667% | 13 |
| Efficiency ratio | 61.4249% | 2,909 |
| Assets per employee ($millions) | 6.3070% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,732 |
| Loan loss allowance to noncurrent loans | 1,036.5024% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 2,960 |
| Noncurrent loans to loans | 0.1121% | 3,087 |
| Net loans and leases to total assets | 77.7900% | 727 |
| Net loans and leases to deposits | 88.8677% | 974 |
| Net loans and leases to core deposits | 105.2648% | 607 |
| Total domestic deposits to total assets | 87.5300% | 2,585 |
| Equity capital to assets | 11.4802% | 1,019 |
| Core capital (leverage) ratio | 11.7247% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2374% | 1,966 |
| Memoranda: | ||
| Average total assets | $1,493,548,250 | 710 |
| Average earning assets | $1,405,968,000 | 693 |
| Average equity | $175,574,000 | 595 |
| Average total loans | $1,131,217,000 | 603 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 1,198 |
| Cost of funding earning assets | 0.4343% | 749 |
| Net interest margin | 3.4227% | 1,533 |
| Noninterest income to average assets | 1.2100% | 470 |
| Noninterest expense to average assets | 2.7081% | 1,371 |
| Loan and lease loss provision to assets | 0.1382% | 695 |
| Net operating income to assets | 1.2641% | 1,245 |
| Return on assets (ROA) | 1.2641% | 1,226 |
| Pretax return on assets | 1.5817% | 984 |
| Return on Equity (ROE) | 10.6592% | 2,109 |
| Retained earnings to average equity (ytd only) | 10.6592% | 857 |
| Net charge-offs to loans | 0.0006% | 2,140 |
| Credit loss provision to net charge-offs | 33,333.3333% | 16 |
| Earnings coverage of net charge-offs (x) | 4,147.6667% | 16 |
| Efficiency ratio | 61.1581% | 3,159 |
| Assets per employee ($millions) | 6.0592% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,937 |
| Loan loss allowance to noncurrent loans | 986.3668% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 2,981 |
| Noncurrent loans to loans | 0.1164% | 3,151 |
| Net loans and leases to total assets | 78.2445% | 541 |
| Net loans and leases to deposits | 89.8959% | 731 |
| Net loans and leases to core deposits | 100.8666% | 638 |
| Total domestic deposits to total assets | 87.0390% | 2,922 |
| Equity capital to assets | 11.9504% | 895 |
| Core capital (leverage) ratio | 12.9734% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6186% | 1,828 |
| Memoranda: | ||
| Average total assets | $1,446,895,333 | 718 |
| Average earning assets | $1,360,398,333 | 707 |
| Average equity | $171,588,667 | 616 |
| Average total loans | $1,079,744,000 | 618 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 1,388 |
| Cost of funding earning assets | 0.3458% | 1,243 |
| Net interest margin | 3.3026% | 1,558 |
| Noninterest income to average assets | 1.1987% | 488 |
| Noninterest expense to average assets | 2.6310% | 1,523 |
| Loan and lease loss provision to assets | 0.1288% | 638 |
| Net operating income to assets | 1.2325% | 1,164 |
| Return on assets (ROA) | 1.2325% | 1,148 |
| Pretax return on assets | 1.5413% | 932 |
| Return on Equity (ROE) | 10.4374% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.4374% | 916 |
| Net charge-offs to loans | -0.0016% | 3,071 |
| Credit loss provision to net charge-offs | -11,250.0000% | 3,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1710% | 3,361 |
| Assets per employee ($millions) | 5.7547% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,509 |
| Loan loss allowance to noncurrent loans | 1,257.5023% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,194 |
| Noncurrent loans to loans | 0.1008% | 3,336 |
| Net loans and leases to total assets | 73.6122% | 689 |
| Net loans and leases to deposits | 84.5667% | 849 |
| Net loans and leases to core deposits | 95.8438% | 665 |
| Total domestic deposits to total assets | 87.0464% | 2,907 |
| Equity capital to assets | 11.9851% | 961 |
| Core capital (leverage) ratio | 12.2692% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2074% | 1,719 |
| Memoranda: | ||
| Average total assets | $1,397,790,000 | 748 |
| Average earning assets | $1,313,013,500 | 737 |
| Average equity | $165,060,000 | 656 |
| Average total loans | $1,008,118,000 | 660 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 1,563 |
| Cost of funding earning assets | 0.3919% | 1,602 |
| Net interest margin | 3.5281% | 1,659 |
| Noninterest income to average assets | 1.4532% | 529 |
| Noninterest expense to average assets | 3.0082% | 968 |
| Loan and lease loss provision to assets | 0.1045% | 1,210 |
| Net operating income to assets | 1.2808% | 1,658 |
| Return on assets (ROA) | 1.2808% | 1,713 |
| Pretax return on assets | 1.5835% | 1,471 |
| Return on Equity (ROE) | 11.6259% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.7594% | 749 |
| Net charge-offs to loans | 0.0397% | 1,467 |
| Credit loss provision to net charge-offs | 370.6897% | 956 |
| Earnings coverage of net charge-offs (x) | 59.8563% | 1,175 |
| Efficiency ratio | 64.0558% | 2,560 |
| Assets per employee ($millions) | 5.5401% | 3,225 |
| Cash dividends to net income (ytd only)* | 7.4533% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 2,051 |
| Loan loss allowance to noncurrent loans | 777.9833% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 2,993 |
| Noncurrent loans to loans | 0.1760% | 3,064 |
| Net loans and leases to total assets | 68.6295% | 1,195 |
| Net loans and leases to deposits | 78.4696% | 1,358 |
| Net loans and leases to core deposits | 88.0210% | 1,075 |
| Total domestic deposits to total assets | 87.4599% | 2,306 |
| Equity capital to assets | 11.6246% | 1,438 |
| Core capital (leverage) ratio | 11.9568% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4585% | 1,693 |
| Memoranda: | ||
| Average total assets | $1,233,993,800 | 809 |
| Average earning assets | $1,134,309,200 | 813 |
| Average equity | $135,946,000 | 767 |
| Average total loans | $876,439,200 | 742 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 1,490 |
| Cost of funding earning assets | 0.4072% | 1,646 |
| Net interest margin | 3.6139% | 1,567 |
| Noninterest income to average assets | 1.5047% | 543 |
| Noninterest expense to average assets | 3.0336% | 911 |
| Loan and lease loss provision to assets | 0.1433% | 789 |
| Net operating income to assets | 1.3093% | 1,800 |
| Return on assets (ROA) | 1.3093% | 1,853 |
| Pretax return on assets | 1.6299% | 1,605 |
| Return on Equity (ROE) | 12.0747% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.8680% | 1,089 |
| Net charge-offs to loans | 0.0538% | 1,118 |
| Credit loss provision to net charge-offs | 372.8324% | 902 |
| Earnings coverage of net charge-offs (x) | 46.1387% | 1,278 |
| Efficiency ratio | 63.1112% | 2,522 |
| Assets per employee ($millions) | 5.6568% | 3,034 |
| Cash dividends to net income (ytd only)* | 9.9932% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 1,723 |
| Loan loss allowance to noncurrent loans | 651.7741% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 3,002 |
| Noncurrent loans to loans | 0.2265% | 3,039 |
| Net loans and leases to total assets | 66.8890% | 1,443 |
| Net loans and leases to deposits | 76.2433% | 1,646 |
| Net loans and leases to core deposits | 86.5604% | 1,253 |
| Total domestic deposits to total assets | 87.7309% | 1,989 |
| Equity capital to assets | 11.0427% | 1,983 |
| Core capital (leverage) ratio | 10.9929% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9519% | 1,990 |
| Memoranda: | ||
| Average total assets | $1,200,389,500 | 837 |
| Average earning assets | $1,096,815,000 | 848 |
| Average equity | $130,164,500 | 809 |
| Average total loans | $857,506,000 | 773 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 1,436 |
| Cost of funding earning assets | 0.4191% | 1,744 |
| Net interest margin | 3.6383% | 1,497 |
| Noninterest income to average assets | 1.5521% | 515 |
| Noninterest expense to average assets | 3.0798% | 867 |
| Loan and lease loss provision to assets | 0.2211% | 476 |
| Net operating income to assets | 1.2723% | 1,944 |
| Return on assets (ROA) | 1.2723% | 2,019 |
| Pretax return on assets | 1.5797% | 1,798 |
| Return on Equity (ROE) | 11.8142% | 2,129 |
| Retained earnings to average equity (ytd only) | 10.8752% | 1,152 |
| Net charge-offs to loans | 0.0879% | 799 |
| Credit loss provision to net charge-offs | 345.8445% | 828 |
| Earnings coverage of net charge-offs (x) | 28.1662% | 1,343 |
| Efficiency ratio | 63.1032% | 2,553 |
| Assets per employee ($millions) | 5.3282% | 3,316 |
| Cash dividends to net income (ytd only)* | 7.9483% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,762 |
| Loan loss allowance to noncurrent loans | 397.4954% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 2,192 |
| Noncurrent loans to loans | 0.3650% | 2,599 |
| Net loans and leases to total assets | 71.2027% | 1,055 |
| Net loans and leases to deposits | 81.1230% | 1,316 |
| Net loans and leases to core deposits | 93.2830% | 941 |
| Total domestic deposits to total assets | 87.7712% | 1,947 |
| Equity capital to assets | 11.0766% | 1,928 |
| Core capital (leverage) ratio | 10.9062% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4385% | 2,193 |
| Memoranda: | ||
| Average total assets | $1,166,834,667 | 850 |
| Average earning assets | $1,067,488,333 | 860 |
| Average equity | $125,662,333 | 832 |
| Average total loans | $848,906,667 | 780 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 1,287 |
| Cost of funding earning assets | 0.4233% | 1,912 |
| Net interest margin | 3.7280% | 1,274 |
| Noninterest income to average assets | 1.5897% | 554 |
| Noninterest expense to average assets | 3.0827% | 861 |
| Loan and lease loss provision to assets | 0.1859% | 659 |
| Net operating income to assets | 1.3935% | 1,591 |
| Return on assets (ROA) | 1.3935% | 1,667 |
| Pretax return on assets | 1.7303% | 1,429 |
| Return on Equity (ROE) | 13.1454% | 1,630 |
| Retained earnings to average equity (ytd only) | 11.1744% | 1,361 |
| Net charge-offs to loans | -0.0005% | 3,014 |
| Credit loss provision to net charge-offs | -52,500.0000% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6676% | 2,811 |
| Assets per employee ($millions) | 4.9346% | 3,727 |
| Cash dividends to net income (ytd only)* | 14.9936% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 1,569 |
| Loan loss allowance to noncurrent loans | 250.5558% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 1,805 |
| Noncurrent loans to loans | 0.6030% | 2,065 |
| Net loans and leases to total assets | 70.0687% | 1,277 |
| Net loans and leases to deposits | 79.0770% | 1,605 |
| Net loans and leases to core deposits | 90.3252% | 1,209 |
| Total domestic deposits to total assets | 88.6083% | 1,554 |
| Equity capital to assets | 10.3227% | 2,418 |
| Core capital (leverage) ratio | 10.5652% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8707% | 2,336 |
| Memoranda: | ||
| Average total assets | $1,129,518,500 | 863 |
| Average earning assets | $1,032,934,500 | 872 |
| Average equity | $119,737,500 | 861 |
| Average total loans | $824,874,000 | 792 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 1,573 |
| Cost of funding earning assets | 0.6077% | 2,257 |
| Net interest margin | 3.7992% | 1,503 |
| Noninterest income to average assets | 1.7827% | 399 |
| Noninterest expense to average assets | 3.2154% | 1,031 |
| Loan and lease loss provision to assets | 0.6650% | 265 |
| Net operating income to assets | 1.1141% | 1,867 |
| Return on assets (ROA) | 1.1146% | 1,983 |
| Pretax return on assets | 1.3590% | 1,790 |
| Return on Equity (ROE) | 10.1723% | 1,948 |
| Retained earnings to average equity (ytd only) | 9.1010% | 744 |
| Net charge-offs to loans | 0.1665% | 998 |
| Credit loss provision to net charge-offs | 538.3361% | 1,194 |
| Earnings coverage of net charge-offs (x) | 16.3793% | 2,136 |
| Efficiency ratio | 61.3768% | 3,250 |
| Assets per employee ($millions) | 5.1403% | 3,240 |
| Cash dividends to net income (ytd only)* | 10.5315% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,633 |
| Loan loss allowance to noncurrent loans | 152.6050% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 1,203 |
| Noncurrent loans to loans | 0.9736% | 1,451 |
| Net loans and leases to total assets | 73.9549% | 1,025 |
| Net loans and leases to deposits | 84.3284% | 1,421 |
| Net loans and leases to core deposits | 94.4623% | 1,215 |
| Total domestic deposits to total assets | 87.6987% | 1,610 |
| Equity capital to assets | 10.9018% | 2,339 |
| Core capital (leverage) ratio | 10.6285% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7106% | 2,358 |
| Memoranda: | ||
| Average total assets | $992,450,000 | 891 |
| Average earning assets | $902,816,800 | 896 |
| Average equity | $108,746,400 | 896 |
| Average total loans | $736,477,800 | 843 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 1,642 |
| Cost of funding earning assets | 0.6617% | 2,257 |
| Net interest margin | 3.8108% | 1,591 |
| Noninterest income to average assets | 1.7840% | 372 |
| Noninterest expense to average assets | 3.1275% | 1,187 |
| Loan and lease loss provision to assets | 0.6602% | 353 |
| Net operating income to assets | 1.1892% | 1,672 |
| Return on assets (ROA) | 1.1898% | 1,795 |
| Pretax return on assets | 1.4564% | 1,555 |
| Return on Equity (ROE) | 10.8434% | 1,733 |
| Retained earnings to average equity (ytd only) | 9.3831% | 883 |
| Net charge-offs to loans | 0.0002% | 3,240 |
| Credit loss provision to net charge-offs | 480,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 15,383.0000% | 4 |
| Efficiency ratio | 59.6480% | 3,437 |
| Assets per employee ($millions) | 5.0402% | 3,198 |
| Cash dividends to net income (ytd only)* | 13.4667% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,469 |
| Loan loss allowance to noncurrent loans | 151.2868% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 1,401 |
| Noncurrent loans to loans | 0.9724% | 1,538 |
| Net loans and leases to total assets | 72.5643% | 1,577 |
| Net loans and leases to deposits | 82.5080% | 2,054 |
| Net loans and leases to core deposits | 94.3037% | 1,613 |
| Total domestic deposits to total assets | 87.9482% | 1,236 |
| Equity capital to assets | 10.4071% | 2,866 |
| Core capital (leverage) ratio | 10.1427% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6926% | 2,329 |
| Memoranda: | ||
| Average total assets | $969,412,750 | 890 |
| Average earning assets | $879,969,500 | 909 |
| Average equity | $106,372,750 | 910 |
| Average total loans | $717,044,500 | 853 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 1,664 |
| Cost of funding earning assets | 0.7632% | 2,030 |
| Net interest margin | 3.8268% | 1,752 |
| Noninterest income to average assets | 1.7837% | 346 |
| Noninterest expense to average assets | 3.2815% | 1,024 |
| Loan and lease loss provision to assets | 0.6396% | 467 |
| Net operating income to assets | 1.0908% | 2,003 |
| Return on assets (ROA) | 1.0918% | 2,117 |
| Pretax return on assets | 1.3287% | 1,939 |
| Return on Equity (ROE) | 9.7600% | 2,064 |
| Retained earnings to average equity (ytd only) | 8.6508% | 1,118 |
| Net charge-offs to loans | -0.0009% | 3,740 |
| Credit loss provision to net charge-offs | -100,000.0000% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5218% | 3,041 |
| Assets per employee ($millions) | 5.0061% | 3,166 |
| Cash dividends to net income (ytd only)* | 11.3650% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 1,925 |
| Loan loss allowance to noncurrent loans | 177.4170% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 1,717 |
| Noncurrent loans to loans | 0.7415% | 2,025 |
| Net loans and leases to total assets | 71.0972% | 1,855 |
| Net loans and leases to deposits | 80.8861% | 2,329 |
| Net loans and leases to core deposits | 93.5414% | 1,784 |
| Total domestic deposits to total assets | 87.8980% | 1,235 |
| Equity capital to assets | 10.4879% | 2,749 |
| Core capital (leverage) ratio | 10.6185% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $938,058,667 | 903 |
| Average earning assets | $849,318,000 | 921 |
| Average equity | $104,938,000 | 917 |
| Average total loans | $694,984,333 | 863 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 1,339 |
| Cost of funding earning assets | 1.0308% | 1,294 |
| Net interest margin | 3.8034% | 1,958 |
| Noninterest income to average assets | 1.5200% | 384 |
| Noninterest expense to average assets | 3.2811% | 1,257 |
| Loan and lease loss provision to assets | 0.4474% | 679 |
| Net operating income to assets | 1.0269% | 2,085 |
| Return on assets (ROA) | 1.0291% | 2,177 |
| Pretax return on assets | 1.2497% | 2,037 |
| Return on Equity (ROE) | 8.8811% | 2,162 |
| Retained earnings to average equity (ytd only) | 6.6338% | 1,670 |
| Net charge-offs to loans | 0.0012% | 2,556 |
| Credit loss provision to net charge-offs | 50,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,893.5000% | 15 |
| Efficiency ratio | 65.9442% | 2,971 |
| Assets per employee ($millions) | 4.4040% | 3,405 |
| Cash dividends to net income (ytd only)* | 25.3043% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,004 |
| Loan loss allowance to noncurrent loans | 164.4165% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 2,086 |
| Noncurrent loans to loans | 0.6921% | 2,267 |
| Net loans and leases to total assets | 74.2988% | 1,562 |
| Net loans and leases to deposits | 85.1045% | 2,099 |
| Net loans and leases to core deposits | 101.3967% | 1,369 |
| Total domestic deposits to total assets | 87.3031% | 1,420 |
| Equity capital to assets | 11.5609% | 2,385 |
| Core capital (leverage) ratio | 11.0834% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $893,964,000 | 913 |
| Average earning assets | $812,222,500 | 932 |
| Average equity | $103,591,000 | 924 |
| Average total loans | $672,796,500 | 859 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9628% | 1,581 |
| Cost of funding earning assets | 1.2459% | 909 |
| Net interest margin | 3.7169% | 2,764 |
| Noninterest income to average assets | 1.6704% | 345 |
| Noninterest expense to average assets | 3.3518% | 1,199 |
| Loan and lease loss provision to assets | 0.1510% | 1,411 |
| Net operating income to assets | 1.2605% | 1,831 |
| Return on assets (ROA) | 1.2762% | 1,860 |
| Pretax return on assets | 1.5504% | 1,650 |
| Return on Equity (ROE) | 11.4982% | 1,693 |
| Retained earnings to average equity (ytd only) | 9.7615% | 538 |
| Net charge-offs to loans | 0.0125% | 3,240 |
| Credit loss provision to net charge-offs | 1,621.6216% | 225 |
| Earnings coverage of net charge-offs (x) | 180.6757% | 425 |
| Efficiency ratio | 66.5825% | 2,681 |
| Assets per employee ($millions) | 4.4255% | 3,338 |
| Cash dividends to net income (ytd only)* | 15.1040% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,451 |
| Loan loss allowance to noncurrent loans | 201.4684% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 2,423 |
| Noncurrent loans to loans | 0.5002% | 2,684 |
| Net loans and leases to total assets | 74.6083% | 1,650 |
| Net loans and leases to deposits | 85.4901% | 2,155 |
| Net loans and leases to core deposits | 100.5584% | 1,517 |
| Total domestic deposits to total assets | 87.2713% | 1,476 |
| Equity capital to assets | 11.6153% | 2,415 |
| Core capital (leverage) ratio | 11.5419% | 2,080 |
| Tier 1 risk-based capital ratio | 13.2141% | 3,675 |
| Total risk-based capital ratio | 14.1162% | 3,744 |
| Memoranda: | ||
| Average total assets | $794,766,600 | 975 |
| Average earning assets | $719,226,000 | 991 |
| Average equity | $88,214,000 | 1,002 |
| Average total loans | $594,343,800 | 916 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 1,586 |
| Cost of funding earning assets | 1.2773% | 845 |
| Net interest margin | 3.7045% | 2,907 |
| Noninterest income to average assets | 1.6933% | 340 |
| Noninterest expense to average assets | 3.4045% | 1,084 |
| Loan and lease loss provision to assets | 0.1424% | 1,349 |
| Net operating income to assets | 1.2269% | 2,104 |
| Return on assets (ROA) | 1.2384% | 2,140 |
| Pretax return on assets | 1.5101% | 1,925 |
| Return on Equity (ROE) | 11.3077% | 1,892 |
| Retained earnings to average equity (ytd only) | 8.8923% | 1,081 |
| Net charge-offs to loans | 0.0530% | 2,076 |
| Credit loss provision to net charge-offs | 360.2620% | 834 |
| Earnings coverage of net charge-offs (x) | 41.4405% | 1,343 |
| Efficiency ratio | 67.5078% | 2,499 |
| Assets per employee ($millions) | 4.1385% | 3,699 |
| Cash dividends to net income (ytd only)* | 21.3609% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,463 |
| Loan loss allowance to noncurrent loans | 176.5897% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 2,323 |
| Noncurrent loans to loans | 0.5769% | 2,567 |
| Net loans and leases to total assets | 73.4262% | 1,929 |
| Net loans and leases to deposits | 84.3141% | 2,419 |
| Net loans and leases to core deposits | 98.6078% | 1,777 |
| Total domestic deposits to total assets | 87.0865% | 1,473 |
| Equity capital to assets | 11.5452% | 2,634 |
| Core capital (leverage) ratio | 11.1031% | 2,556 |
| Tier 1 risk-based capital ratio | 13.2152% | 3,731 |
| Total risk-based capital ratio | 14.1194% | 3,815 |
| Memoranda: | ||
| Average total assets | $772,183,000 | 1,003 |
| Average earning assets | $698,225,000 | 1,012 |
| Average equity | $84,565,750 | 1,029 |
| Average total loans | $576,159,250 | 942 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9384% | 1,642 |
| Cost of funding earning assets | 1.2495% | 867 |
| Net interest margin | 3.6889% | 2,964 |
| Noninterest income to average assets | 1.6353% | 348 |
| Noninterest expense to average assets | 3.4274% | 1,058 |
| Loan and lease loss provision to assets | 0.1190% | 1,568 |
| Net operating income to assets | 1.1677% | 2,265 |
| Return on assets (ROA) | 1.1853% | 2,269 |
| Pretax return on assets | 1.4433% | 2,051 |
| Return on Equity (ROE) | 11.0392% | 1,958 |
| Retained earnings to average equity (ytd only) | 9.0914% | 1,008 |
| Net charge-offs to loans | 0.0700% | 1,660 |
| Credit loss provision to net charge-offs | 227.2727% | 1,099 |
| Earnings coverage of net charge-offs (x) | 29.4343% | 1,482 |
| Efficiency ratio | 68.9852% | 2,381 |
| Assets per employee ($millions) | 3.8649% | 4,043 |
| Cash dividends to net income (ytd only)* | 17.6444% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,718 |
| Loan loss allowance to noncurrent loans | 164.8070% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 2,202 |
| Noncurrent loans to loans | 0.5971% | 2,481 |
| Net loans and leases to total assets | 76.9128% | 1,400 |
| Net loans and leases to deposits | 88.1469% | 1,989 |
| Net loans and leases to core deposits | 101.4883% | 1,596 |
| Total domestic deposits to total assets | 87.2552% | 1,457 |
| Equity capital to assets | 11.4106% | 2,692 |
| Core capital (leverage) ratio | 11.0642% | 2,534 |
| Tier 1 risk-based capital ratio | 12.6695% | 4,034 |
| Total risk-based capital ratio | 13.5562% | 4,105 |
| Memoranda: | ||
| Average total assets | $756,436,000 | 1,023 |
| Average earning assets | $683,464,330 | 1,027 |
| Average equity | $81,219,670 | 1,064 |
| Average total loans | $565,590,670 | 955 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 1,719 |
| Cost of funding earning assets | 1.2312% | 822 |
| Net interest margin | 3.6312% | 3,128 |
| Noninterest income to average assets | 1.5069% | 386 |
| Noninterest expense to average assets | 3.3541% | 1,184 |
| Loan and lease loss provision to assets | 0.1197% | 1,463 |
| Net operating income to assets | 1.0856% | 2,525 |
| Return on assets (ROA) | 1.0856% | 2,570 |
| Pretax return on assets | 1.3180% | 2,382 |
| Return on Equity (ROE) | 10.4439% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.3963% | 2,279 |
| Net charge-offs to loans | 0.1277% | 981 |
| Credit loss provision to net charge-offs | 127.8409% | 1,367 |
| Earnings coverage of net charge-offs (x) | 15.3580% | 1,743 |
| Efficiency ratio | 69.9967% | 2,343 |
| Assets per employee ($millions) | 3.9575% | 3,986 |
| Cash dividends to net income (ytd only)* | 38.7555% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,639 |
| Loan loss allowance to noncurrent loans | 135.8845% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 1,984 |
| Noncurrent loans to loans | 0.7417% | 2,169 |
| Net loans and leases to total assets | 71.8560% | 2,191 |
| Net loans and leases to deposits | 81.2901% | 2,693 |
| Net loans and leases to core deposits | 91.1451% | 2,386 |
| Total domestic deposits to total assets | 88.3945% | 1,135 |
| Equity capital to assets | 10.2820% | 3,539 |
| Core capital (leverage) ratio | 10.0829% | 3,513 |
| Tier 1 risk-based capital ratio | 12.0514% | 4,428 |
| Total risk-based capital ratio | 12.9452% | 4,521 |
| Memoranda: | ||
| Average total assets | $752,031,500 | 1,027 |
| Average earning assets | $680,335,000 | 1,034 |
| Average equity | $78,170,000 | 1,097 |
| Average total loans | $551,176,000 | 982 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 2,440 |
| Cost of funding earning assets | 0.9127% | 1,044 |
| Net interest margin | 3.5939% | 3,402 |
| Noninterest income to average assets | 1.7469% | 319 |
| Noninterest expense to average assets | 3.5695% | 905 |
| Loan and lease loss provision to assets | 0.0818% | 2,494 |
| Net operating income to assets | 1.1205% | 2,515 |
| Return on assets (ROA) | 1.1204% | 2,513 |
| Pretax return on assets | 1.3352% | 2,381 |
| Return on Equity (ROE) | 9.9752% | 2,528 |
| Retained earnings to average equity (ytd only) | 2.4494% | 4,162 |
| Net charge-offs to loans | 0.0059% | 3,494 |
| Credit loss provision to net charge-offs | 1,964.2857% | 229 |
| Earnings coverage of net charge-offs (x) | 340.1786% | 300 |
| Efficiency ratio | 71.5807% | 1,958 |
| Assets per employee ($millions) | 4.0686% | 3,793 |
| Cash dividends to net income (ytd only)* | 75.4449% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 3,486 |
| Loan loss allowance to noncurrent loans | 121.7004% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 1,768 |
| Noncurrent loans to loans | 0.8482% | 1,902 |
| Net loans and leases to total assets | 73.2692% | 2,050 |
| Net loans and leases to deposits | 85.7572% | 2,301 |
| Net loans and leases to core deposits | 94.6304% | 2,176 |
| Total domestic deposits to total assets | 85.4380% | 2,459 |
| Equity capital to assets | 10.5131% | 3,175 |
| Core capital (leverage) ratio | 10.5965% | 2,933 |
| Tier 1 risk-based capital ratio | 12.3646% | 4,203 |
| Total risk-based capital ratio | 13.2888% | 4,289 |
| Memoranda: | ||
| Average total assets | $672,108,000 | 1,088 |
| Average earning assets | $605,883,000 | 1,106 |
| Average equity | $75,487,000 | 1,082 |
| Average total loans | $472,803,600 | 1,106 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 2,540 |
| Cost of funding earning assets | 0.8598% | 1,073 |
| Net interest margin | 3.5668% | 3,470 |
| Noninterest income to average assets | 1.7729% | 331 |
| Noninterest expense to average assets | 3.5735% | 894 |
| Loan and lease loss provision to assets | 0.0812% | 2,332 |
| Net operating income to assets | 1.1004% | 2,665 |
| Return on assets (ROA) | 1.1002% | 2,683 |
| Pretax return on assets | 1.3304% | 2,503 |
| Return on Equity (ROE) | 9.6247% | 2,787 |
| Retained earnings to average equity (ytd only) | -0.4597% | 5,094 |
| Net charge-offs to loans | 0.0059% | 3,228 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 347.7979% | 271 |
| Efficiency ratio | 71.6815% | 1,936 |
| Assets per employee ($millions) | 3.7132% | 4,289 |
| Cash dividends to net income (ytd only)* | 104.7769% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,134 |
| Loan loss allowance to noncurrent loans | 117.0852% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.8751% | 1,685 |
| Noncurrent loans to loans | 0.9485% | 1,795 |
| Net loans and leases to total assets | 72.6734% | 2,216 |
| Net loans and leases to deposits | 84.6919% | 2,518 |
| Net loans and leases to core deposits | 91.9544% | 2,487 |
| Total domestic deposits to total assets | 85.8091% | 2,281 |
| Equity capital to assets | 11.1695% | 2,508 |
| Core capital (leverage) ratio | 10.8380% | 2,752 |
| Tier 1 risk-based capital ratio | 13.2012% | 3,782 |
| Total risk-based capital ratio | 14.1907% | 3,848 |
| Memoranda: | ||
| Average total assets | $657,049,250 | 1,109 |
| Average earning assets | $591,731,250 | 1,134 |
| Average equity | $75,110,750 | 1,091 |
| Average total loans | $455,459,750 | 1,138 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 2,643 |
| Cost of funding earning assets | 0.7944% | 1,145 |
| Net interest margin | 3.5407% | 3,500 |
| Noninterest income to average assets | 1.7325% | 345 |
| Noninterest expense to average assets | 3.5721% | 899 |
| Loan and lease loss provision to assets | 0.0765% | 2,369 |
| Net operating income to assets | 1.0556% | 2,784 |
| Return on assets (ROA) | 1.0556% | 2,776 |
| Pretax return on assets | 1.2687% | 2,637 |
| Return on Equity (ROE) | 9.1625% | 2,945 |
| Retained earnings to average equity (ytd only) | -4.2305% | 5,254 |
| Net charge-offs to loans | 0.0063% | 2,916 |
| Credit loss provision to net charge-offs | 1,785.7143% | 241 |
| Earnings coverage of net charge-offs (x) | 313.8571% | 295 |
| Efficiency ratio | 72.6435% | 1,894 |
| Assets per employee ($millions) | 3.6800% | 4,374 |
| Cash dividends to net income (ytd only)* | 146.1717% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,986 |
| Loan loss allowance to noncurrent loans | 106.4329% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 1,632 |
| Noncurrent loans to loans | 1.0794% | 1,633 |
| Net loans and leases to total assets | 68.9875% | 2,731 |
| Net loans and leases to deposits | 81.7076% | 2,794 |
| Net loans and leases to core deposits | 87.9635% | 2,722 |
| Total domestic deposits to total assets | 84.4322% | 2,905 |
| Equity capital to assets | 11.1179% | 2,528 |
| Core capital (leverage) ratio | 11.1261% | 2,414 |
| Tier 1 risk-based capital ratio | 13.5976% | 3,566 |
| Total risk-based capital ratio | 14.6085% | 3,622 |
| Memoranda: | ||
| Average total assets | $653,276,670 | 1,119 |
| Average earning assets | $587,626,330 | 1,143 |
| Average equity | $75,263,330 | 1,081 |
| Average total loans | $443,553,000 | 1,158 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 2,636 |
| Cost of funding earning assets | 0.7730% | 1,090 |
| Net interest margin | 3.4965% | 3,550 |
| Noninterest income to average assets | 1.6352% | 367 |
| Noninterest expense to average assets | 3.5276% | 952 |
| Loan and lease loss provision to assets | 0.0617% | 2,546 |
| Net operating income to assets | 0.9921% | 2,879 |
| Return on assets (ROA) | 0.9921% | 2,903 |
| Pretax return on assets | 1.1894% | 2,802 |
| Return on Equity (ROE) | 8.4603% | 3,162 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,664 |
| Net charge-offs to loans | 0.0009% | 2,702 |
| Credit loss provision to net charge-offs | 10,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 2,029.0000% | 26 |
| Efficiency ratio | 73.8194% | 1,921 |
| Assets per employee ($millions) | 3.9651% | 4,034 |
| Cash dividends to net income (ytd only)* | 54.8167% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,923 |
| Loan loss allowance to noncurrent loans | 103.2735% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 1,697 |
| Noncurrent loans to loans | 1.1441% | 1,599 |
| Net loans and leases to total assets | 65.7401% | 3,075 |
| Net loans and leases to deposits | 75.5603% | 3,263 |
| Net loans and leases to core deposits | 80.3756% | 3,295 |
| Total domestic deposits to total assets | 87.0035% | 2,122 |
| Equity capital to assets | 11.5728% | 2,074 |
| Core capital (leverage) ratio | 11.1487% | 2,281 |
| Tier 1 risk-based capital ratio | 14.7464% | 3,007 |
| Total risk-based capital ratio | 15.7809% | 3,011 |
| Memoranda: | ||
| Average total assets | $648,719,000 | 1,136 |
| Average earning assets | $583,210,000 | 1,164 |
| Average equity | $76,073,000 | 1,078 |
| Average total loans | $434,190,000 | 1,183 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 3,396 |
| Cost of funding earning assets | 0.5638% | 1,864 |
| Net interest margin | 3.4400% | 3,725 |
| Noninterest income to average assets | 1.7797% | 352 |
| Noninterest expense to average assets | 3.4796% | 1,068 |
| Loan and lease loss provision to assets | 0.0287% | 3,696 |
| Net operating income to assets | 0.9632% | 2,389 |
| Return on assets (ROA) | 0.9940% | 2,308 |
| Pretax return on assets | 1.4211% | 1,924 |
| Return on Equity (ROE) | 8.4086% | 2,602 |
| Retained earnings to average equity (ytd only) | 6.8743% | 1,129 |
| Net charge-offs to loans | 0.0575% | 2,659 |
| Credit loss provision to net charge-offs | 76.9231% | 2,990 |
| Earnings coverage of net charge-offs (x) | 37.6282% | 1,312 |
| Efficiency ratio | 71.2255% | 2,349 |
| Assets per employee ($millions) | 3.8508% | 4,201 |
| Cash dividends to net income (ytd only)* | 18.2461% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 2,905 |
| Loan loss allowance to noncurrent loans | 96.4646% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 1,544 |
| Noncurrent loans to loans | 1.2221% | 1,447 |
| Net loans and leases to total assets | 66.5526% | 3,025 |
| Net loans and leases to deposits | 79.5087% | 2,965 |
| Net loans and leases to core deposits | 83.2560% | 3,131 |
| Total domestic deposits to total assets | 83.7048% | 3,310 |
| Equity capital to assets | 11.8851% | 1,920 |
| Core capital (leverage) ratio | 11.2036% | 2,156 |
| Tier 1 risk-based capital ratio | 14.8165% | 2,917 |
| Total risk-based capital ratio | 15.8462% | 2,970 |
| Memoranda: | ||
| Average total assets | $626,358,200 | 1,153 |
| Average earning assets | $565,491,200 | 1,169 |
| Average equity | $74,043,400 | 1,081 |
| Average total loans | $407,176,800 | 1,215 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 3,625 |
| Cost of funding earning assets | 0.5163% | 2,138 |
| Net interest margin | 3.4026% | 3,843 |
| Noninterest income to average assets | 1.7840% | 369 |
| Noninterest expense to average assets | 3.3997% | 1,155 |
| Loan and lease loss provision to assets | 0.0193% | 3,755 |
| Net operating income to assets | 1.0507% | 2,327 |
| Return on assets (ROA) | 1.0538% | 2,349 |
| Pretax return on assets | 1.4492% | 1,947 |
| Return on Equity (ROE) | 8.9266% | 2,644 |
| Retained earnings to average equity (ytd only) | 6.8676% | 1,761 |
| Net charge-offs to loans | 0.0757% | 2,056 |
| Credit loss provision to net charge-offs | 39.4737% | 3,000 |
| Earnings coverage of net charge-offs (x) | 30.0134% | 1,553 |
| Efficiency ratio | 69.8971% | 2,555 |
| Assets per employee ($millions) | 4.2816% | 3,502 |
| Cash dividends to net income (ytd only)* | 23.0660% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 3,166 |
| Loan loss allowance to noncurrent loans | 247.2016% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 3,225 |
| Noncurrent loans to loans | 0.4679% | 3,296 |
| Net loans and leases to total assets | 60.0043% | 3,863 |
| Net loans and leases to deposits | 71.6886% | 3,805 |
| Net loans and leases to core deposits | 74.9000% | 3,895 |
| Total domestic deposits to total assets | 83.7013% | 3,230 |
| Equity capital to assets | 10.6801% | 3,184 |
| Core capital (leverage) ratio | 11.2008% | 2,277 |
| Tier 1 risk-based capital ratio | 14.6677% | 3,089 |
| Total risk-based capital ratio | 15.6807% | 3,139 |
| Memoranda: | ||
| Average total assets | $623,140,000 | 1,166 |
| Average earning assets | $564,033,250 | 1,178 |
| Average equity | $73,561,000 | 1,091 |
| Average total loans | $401,346,000 | 1,237 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 3,328 |
| Cost of funding earning assets | 0.4547% | 2,560 |
| Net interest margin | 3.5115% | 3,353 |
| Noninterest income to average assets | 1.8665% | 351 |
| Noninterest expense to average assets | 3.5064% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1050% | 1,948 |
| Return on assets (ROA) | 1.1099% | 1,982 |
| Pretax return on assets | 1.5315% | 1,539 |
| Return on Equity (ROE) | 9.0576% | 2,486 |
| Retained earnings to average equity (ytd only) | 7.4967% | 1,357 |
| Net charge-offs to loans | 0.0935% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 24.7432% | 1,633 |
| Efficiency ratio | 69.6941% | 2,723 |
| Assets per employee ($millions) | 3.7283% | 4,393 |
| Cash dividends to net income (ytd only)* | 17.2330% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 3,172 |
| Loan loss allowance to noncurrent loans | 438.4752% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 3,454 |
| Noncurrent loans to loans | 0.2680% | 4,080 |
| Net loans and leases to total assets | 67.1980% | 2,921 |
| Net loans and leases to deposits | 82.4210% | 2,660 |
| Net loans and leases to core deposits | 85.1830% | 2,953 |
| Total domestic deposits to total assets | 81.5302% | 4,035 |
| Equity capital to assets | 12.0995% | 1,862 |
| Core capital (leverage) ratio | 11.9178% | 1,682 |
| Tier 1 risk-based capital ratio | 14.8401% | 2,998 |
| Total risk-based capital ratio | 15.8709% | 3,020 |
| Memoranda: | ||
| Average total assets | $593,938,670 | 1,214 |
| Average earning assets | $535,271,670 | 1,244 |
| Average equity | $72,778,670 | 1,102 |
| Average total loans | $391,305,330 | 1,265 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 3,402 |
| Cost of funding earning assets | 0.3735% | 3,269 |
| Net interest margin | 3.5268% | 3,174 |
| Noninterest income to average assets | 1.8182% | 358 |
| Noninterest expense to average assets | 3.5359% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0553% | 2,051 |
| Return on assets (ROA) | 1.0553% | 2,098 |
| Pretax return on assets | 1.4522% | 1,689 |
| Return on Equity (ROE) | 8.5547% | 2,647 |
| Retained earnings to average equity (ytd only) | 5.3871% | 2,677 |
| Net charge-offs to loans | 0.1859% | 917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.0629% | 1,860 |
| Efficiency ratio | 70.8868% | 2,761 |
| Assets per employee ($millions) | 3.5542% | 4,711 |
| Cash dividends to net income (ytd only)* | 37.0274% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,774 |
| Loan loss allowance to noncurrent loans | 287.5218% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 3,452 |
| Noncurrent loans to loans | 0.4372% | 3,527 |
| Net loans and leases to total assets | 65.9547% | 2,978 |
| Net loans and leases to deposits | 82.8037% | 2,417 |
| Net loans and leases to core deposits | 85.5978% | 2,760 |
| Total domestic deposits to total assets | 79.6519% | 4,691 |
| Equity capital to assets | 12.2670% | 1,676 |
| Core capital (leverage) ratio | 11.9587% | 1,658 |
| Tier 1 risk-based capital ratio | 15.2748% | 2,844 |
| Total risk-based capital ratio | 16.3644% | 2,847 |
| Memoranda: | ||
| Average total assets | $581,462,000 | 1,239 |
| Average earning assets | $522,629,500 | 1,267 |
| Average equity | $71,726,500 | 1,111 |
| Average total loans | $376,543,500 | 1,315 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,478 |
| Cost of funding earning assets | 0.2527% | 4,542 |
| Net interest margin | 3.6727% | 2,805 |
| Noninterest income to average assets | 2.1898% | 302 |
| Noninterest expense to average assets | 3.9028% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1737% | 1,592 |
| Return on assets (ROA) | 1.1885% | 1,637 |
| Pretax return on assets | 1.5891% | 1,318 |
| Return on Equity (ROE) | 8.9651% | 2,440 |
| Retained earnings to average equity (ytd only) | 7.3267% | 1,103 |
| Net charge-offs to loans | 0.0232% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 558 |
| Efficiency ratio | 71.3208% | 2,690 |
| Assets per employee ($millions) | 3.4514% | 4,828 |
| Cash dividends to net income (ytd only)* | 18.2754% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,970 |
| Loan loss allowance to noncurrent loans | 269.0976% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 3,385 |
| Noncurrent loans to loans | 0.5309% | 3,258 |
| Net loans and leases to total assets | 61.7659% | 3,639 |
| Net loans and leases to deposits | 77.9884% | 3,105 |
| Net loans and leases to core deposits | 80.7605% | 3,330 |
| Total domestic deposits to total assets | 79.1988% | 4,749 |
| Equity capital to assets | 12.4061% | 1,572 |
| Core capital (leverage) ratio | 12.1118% | 1,526 |
| Tier 1 risk-based capital ratio | 16.3538% | 2,403 |
| Total risk-based capital ratio | 17.5785% | 2,352 |
| Memoranda: | ||
| Average total assets | $523,010,400 | 1,314 |
| Average earning assets | $467,418,600 | 1,361 |
| Average equity | $69,335,400 | 1,134 |
| Average total loans | $328,157,200 | 1,417 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8973% | 3,591 |
| Cost of funding earning assets | 0.2183% | 4,894 |
| Net interest margin | 3.6790% | 2,794 |
| Noninterest income to average assets | 2.2499% | 296 |
| Noninterest expense to average assets | 3.9365% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1454% | 1,826 |
| Return on assets (ROA) | 1.1648% | 1,855 |
| Pretax return on assets | 1.6289% | 1,305 |
| Return on Equity (ROE) | 8.6307% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.4324% | 1,946 |
| Net charge-offs to loans | 0.0308% | 3,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 82.8954% | 760 |
| Efficiency ratio | 71.0756% | 2,727 |
| Assets per employee ($millions) | 3.7772% | 4,347 |
| Cash dividends to net income (ytd only)* | 25.4709% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,924 |
| Loan loss allowance to noncurrent loans | 233.4395% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 3,268 |
| Noncurrent loans to loans | 0.6260% | 3,136 |
| Net loans and leases to total assets | 63.6054% | 3,451 |
| Net loans and leases to deposits | 81.8360% | 2,755 |
| Net loans and leases to core deposits | 84.2925% | 3,096 |
| Total domestic deposits to total assets | 77.7230% | 4,960 |
| Equity capital to assets | 13.0493% | 1,466 |
| Core capital (leverage) ratio | 12.8277% | 1,253 |
| Tier 1 risk-based capital ratio | 16.4874% | 2,423 |
| Total risk-based capital ratio | 17.7376% | 2,373 |
| Memoranda: | ||
| Average total assets | $510,531,000 | 1,347 |
| Average earning assets | $456,341,750 | 1,406 |
| Average equity | $68,899,750 | 1,146 |
| Average total loans | $320,445,750 | 1,449 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9041% | 3,594 |
| Cost of funding earning assets | 0.2088% | 5,058 |
| Net interest margin | 3.6953% | 2,713 |
| Noninterest income to average assets | 2.1926% | 303 |
| Noninterest expense to average assets | 4.0084% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0617% | 2,114 |
| Return on assets (ROA) | 1.0617% | 2,241 |
| Pretax return on assets | 1.4806% | 1,739 |
| Return on Equity (ROE) | 7.7734% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.1078% | 2,066 |
| Net charge-offs to loans | 0.0761% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 31.3305% | 1,363 |
| Efficiency ratio | 73.0264% | 2,515 |
| Assets per employee ($millions) | 3.6565% | 4,509 |
| Cash dividends to net income (ytd only)* | 21.4259% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,736 |
| Loan loss allowance to noncurrent loans | 219.7408% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 2,867 |
| Noncurrent loans to loans | 0.6988% | 2,983 |
| Net loans and leases to total assets | 63.2688% | 3,467 |
| Net loans and leases to deposits | 80.4247% | 2,878 |
| Net loans and leases to core deposits | 83.7324% | 3,106 |
| Total domestic deposits to total assets | 78.6684% | 4,855 |
| Equity capital to assets | 13.5372% | 1,220 |
| Core capital (leverage) ratio | 12.9838% | 1,152 |
| Tier 1 risk-based capital ratio | 16.8833% | 2,266 |
| Total risk-based capital ratio | 18.1340% | 2,216 |
| Memoranda: | ||
| Average total assets | $499,402,670 | 1,387 |
| Average earning assets | $445,479,670 | 1,439 |
| Average equity | $68,207,330 | 1,155 |
| Average total loans | $310,230,670 | 1,488 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9298% | 3,465 |
| Cost of funding earning assets | 0.1993% | 5,210 |
| Net interest margin | 3.7305% | 2,553 |
| Noninterest income to average assets | 2.1640% | 305 |
| Noninterest expense to average assets | 4.1171% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9843% | 2,351 |
| Return on assets (ROA) | 0.9843% | 2,466 |
| Pretax return on assets | 1.3686% | 2,010 |
| Return on Equity (ROE) | 7.1736% | 3,360 |
| Retained earnings to average equity (ytd only) | 3.8034% | 3,594 |
| Net charge-offs to loans | 0.0093% | 2,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 240.1429% | 258 |
| Efficiency ratio | 75.0519% | 2,324 |
| Assets per employee ($millions) | 3.4978% | 4,815 |
| Cash dividends to net income (ytd only)* | 46.9810% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 1,429 |
| Loan loss allowance to noncurrent loans | 180.8000% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 2,539 |
| Noncurrent loans to loans | 0.9239% | 2,537 |
| Net loans and leases to total assets | 62.0439% | 3,519 |
| Net loans and leases to deposits | 77.4195% | 3,061 |
| Net loans and leases to core deposits | 81.0483% | 3,232 |
| Total domestic deposits to total assets | 80.1399% | 4,718 |
| Equity capital to assets | 13.7938% | 1,053 |
| Core capital (leverage) ratio | 12.9883% | 1,164 |
| Tier 1 risk-based capital ratio | 17.3666% | 2,166 |
| Total risk-based capital ratio | 18.6185% | 2,132 |
| Memoranda: | ||
| Average total assets | $491,317,500 | 1,409 |
| Average earning assets | $437,474,000 | 1,458 |
| Average equity | $67,414,000 | 1,163 |
| Average total loans | $299,704,000 | 1,522 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 4,221 |
| Cost of funding earning assets | 0.1979% | 5,301 |
| Net interest margin | 3.5456% | 3,349 |
| Noninterest income to average assets | 2.4008% | 278 |
| Noninterest expense to average assets | 4.2047% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9887% | 2,424 |
| Return on assets (ROA) | 0.9943% | 2,489 |
| Pretax return on assets | 1.3533% | 2,091 |
| Return on Equity (ROE) | 7.4565% | 3,268 |
| Retained earnings to average equity (ytd only) | 5.2799% | 2,221 |
| Net charge-offs to loans | 0.0133% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 171.8056% | 380 |
| Efficiency ratio | 75.7556% | 2,314 |
| Assets per employee ($millions) | 3.4713% | 4,876 |
| Cash dividends to net income (ytd only)* | 29.1904% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8059% | 1,122 |
| Loan loss allowance to noncurrent loans | 279.6883% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 3,180 |
| Noncurrent loans to loans | 0.6457% | 3,245 |
| Net loans and leases to total assets | 57.8228% | 4,112 |
| Net loans and leases to deposits | 68.3006% | 4,106 |
| Net loans and leases to core deposits | 70.9480% | 4,217 |
| Total domestic deposits to total assets | 84.6593% | 3,232 |
| Equity capital to assets | 13.6478% | 1,061 |
| Core capital (leverage) ratio | 13.3139% | 1,031 |
| Tier 1 risk-based capital ratio | 18.5103% | 1,826 |
| Total risk-based capital ratio | 19.7635% | 1,770 |
| Memoranda: | ||
| Average total assets | $459,631,600 | 1,460 |
| Average earning assets | $408,283,000 | 1,506 |
| Average equity | $61,289,000 | 1,231 |
| Average total loans | $270,294,200 | 1,615 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 4,433 |
| Cost of funding earning assets | 0.2008% | 5,371 |
| Net interest margin | 3.4958% | 3,553 |
| Noninterest income to average assets | 2.3904% | 276 |
| Noninterest expense to average assets | 4.1806% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9194% | 2,865 |
| Return on assets (ROA) | 0.9194% | 2,955 |
| Pretax return on assets | 1.3163% | 2,329 |
| Return on Equity (ROE) | 6.9390% | 3,657 |
| Retained earnings to average equity (ytd only) | 3.9702% | 3,643 |
| Net charge-offs to loans | 0.0065% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 343.4420% | 215 |
| Efficiency ratio | 76.0541% | 2,240 |
| Assets per employee ($millions) | 3.3748% | 5,023 |
| Cash dividends to net income (ytd only)* | 42.7838% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 1,148 |
| Loan loss allowance to noncurrent loans | 239.7066% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 2,943 |
| Noncurrent loans to loans | 0.7775% | 3,020 |
| Net loans and leases to total assets | 57.8537% | 4,162 |
| Net loans and leases to deposits | 68.8839% | 4,106 |
| Net loans and leases to core deposits | 71.8260% | 4,204 |
| Total domestic deposits to total assets | 83.9873% | 3,434 |
| Equity capital to assets | 13.7849% | 1,109 |
| Core capital (leverage) ratio | 13.5048% | 1,016 |
| Tier 1 risk-based capital ratio | 18.5358% | 1,885 |
| Total risk-based capital ratio | 19.7898% | 1,850 |
| Memoranda: | ||
| Average total assets | $452,177,250 | 1,489 |
| Average earning assets | $401,802,000 | 1,535 |
| Average equity | $59,911,500 | 1,276 |
| Average total loans | $265,813,250 | 1,651 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5910% | 4,742 |
| Cost of funding earning assets | 0.1997% | 5,437 |
| Net interest margin | 3.3914% | 3,932 |
| Noninterest income to average assets | 2.2958% | 307 |
| Noninterest expense to average assets | 4.0613% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8711% | 3,041 |
| Return on assets (ROA) | 0.8711% | 3,142 |
| Pretax return on assets | 1.2469% | 2,562 |
| Return on Equity (ROE) | 6.6704% | 3,799 |
| Retained earnings to average equity (ytd only) | 4.0298% | 3,450 |
| Net charge-offs to loans | -0.0038% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5095% | 2,281 |
| Assets per employee ($millions) | 3.3122% | 5,142 |
| Cash dividends to net income (ytd only)* | 39.5866% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0008% | 987 |
| Loan loss allowance to noncurrent loans | 138.3074% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 2,523 |
| Noncurrent loans to loans | 1.4466% | 1,846 |
| Net loans and leases to total assets | 57.8934% | 4,115 |
| Net loans and leases to deposits | 68.4591% | 4,088 |
| Net loans and leases to core deposits | 71.2058% | 4,205 |
| Total domestic deposits to total assets | 84.5664% | 3,310 |
| Equity capital to assets | 13.2564% | 1,274 |
| Core capital (leverage) ratio | 12.5291% | 1,364 |
| Tier 1 risk-based capital ratio | 17.7170% | 2,151 |
| Total risk-based capital ratio | 18.9723% | 2,099 |
| Memoranda: | ||
| Average total assets | $444,289,670 | 1,531 |
| Average earning assets | $394,648,330 | 1,566 |
| Average equity | $58,017,330 | 1,310 |
| Average total loans | $260,911,330 | 1,679 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4745% | 5,026 |
| Cost of funding earning assets | 0.2070% | 5,445 |
| Net interest margin | 3.2675% | 4,354 |
| Noninterest income to average assets | 2.2406% | 313 |
| Noninterest expense to average assets | 4.0826% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7523% | 3,526 |
| Return on assets (ROA) | 0.7523% | 3,662 |
| Pretax return on assets | 1.0699% | 3,217 |
| Return on Equity (ROE) | 5.8047% | 4,136 |
| Retained earnings to average equity (ytd only) | 0.4860% | 5,225 |
| Net charge-offs to loans | -0.0061% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2351% | 1,993 |
| Assets per employee ($millions) | 3.3106% | 5,224 |
| Cash dividends to net income (ytd only)* | 91.6268% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0087% | 1,060 |
| Loan loss allowance to noncurrent loans | 137.3037% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 2,599 |
| Noncurrent loans to loans | 1.4629% | 1,943 |
| Net loans and leases to total assets | 57.6793% | 3,998 |
| Net loans and leases to deposits | 67.8216% | 3,975 |
| Net loans and leases to core deposits | 70.7444% | 4,085 |
| Total domestic deposits to total assets | 85.0456% | 3,387 |
| Equity capital to assets | 13.0169% | 1,392 |
| Core capital (leverage) ratio | 12.3040% | 1,458 |
| Tier 1 risk-based capital ratio | 17.8177% | 2,189 |
| Total risk-based capital ratio | 19.0732% | 2,149 |
| Memoranda: | ||
| Average total assets | $444,519,000 | 1,541 |
| Average earning assets | $396,141,500 | 1,576 |
| Average equity | $57,608,000 | 1,325 |
| Average total loans | $260,269,500 | 1,681 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,973 |
| Cost of funding earning assets | 0.2200% | 5,594 |
| Net interest margin | 3.4180% | 4,121 |
| Noninterest income to average assets | 2.2893% | 267 |
| Noninterest expense to average assets | 4.0747% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9350% | 2,702 |
| Return on assets (ROA) | 0.9542% | 2,689 |
| Pretax return on assets | 1.2758% | 2,323 |
| Return on Equity (ROE) | 7.4424% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.5903% | 2,199 |
| Net charge-offs to loans | 0.0019% | 4,933 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1,087.8000% | 38 |
| Efficiency ratio | 76.5206% | 2,435 |
| Assets per employee ($millions) | 3.3490% | 5,174 |
| Cash dividends to net income (ytd only)* | 24.8856% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0203% | 1,069 |
| Loan loss allowance to noncurrent loans | 115.9257% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.4247% | 1,939 |
| Noncurrent loans to loans | 1.7427% | 1,662 |
| Net loans and leases to total assets | 57.0646% | 4,183 |
| Net loans and leases to deposits | 67.0682% | 4,212 |
| Net loans and leases to core deposits | 70.2464% | 4,305 |
| Total domestic deposits to total assets | 85.0845% | 3,253 |
| Equity capital to assets | 12.9026% | 1,415 |
| Core capital (leverage) ratio | 12.2085% | 1,494 |
| Tier 1 risk-based capital ratio | 18.4630% | 1,997 |
| Total risk-based capital ratio | 19.7202% | 1,969 |
| Memoranda: | ||
| Average total assets | $435,030,400 | 1,530 |
| Average earning assets | $386,366,200 | 1,571 |
| Average equity | $55,775,200 | 1,309 |
| Average total loans | $262,015,400 | 1,619 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 5,145 |
| Cost of funding earning assets | 0.2220% | 5,647 |
| Net interest margin | 3.3754% | 4,334 |
| Noninterest income to average assets | 2.2742% | 283 |
| Noninterest expense to average assets | 4.0659% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8520% | 3,167 |
| Return on assets (ROA) | 0.8760% | 3,136 |
| Pretax return on assets | 1.2429% | 2,598 |
| Return on Equity (ROE) | 6.8434% | 3,792 |
| Retained earnings to average equity (ytd only) | 4.3551% | 3,556 |
| Net charge-offs to loans | -0.0107% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0854% | 2,341 |
| Assets per employee ($millions) | 3.2611% | 5,307 |
| Cash dividends to net income (ytd only)* | 36.3604% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 1,466 |
| Loan loss allowance to noncurrent loans | 68.0755% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 2.2175% | 1,245 |
| Noncurrent loans to loans | 2.7823% | 1,002 |
| Net loans and leases to total assets | 62.8996% | 3,358 |
| Net loans and leases to deposits | 74.7718% | 3,332 |
| Net loans and leases to core deposits | 78.5729% | 3,485 |
| Total domestic deposits to total assets | 84.1221% | 3,713 |
| Equity capital to assets | 12.9653% | 1,448 |
| Core capital (leverage) ratio | 11.7267% | 1,894 |
| Tier 1 risk-based capital ratio | 17.3627% | 2,444 |
| Total risk-based capital ratio | 18.6192% | 2,402 |
| Memoranda: | ||
| Average total assets | $432,432,250 | 1,550 |
| Average earning assets | $384,378,750 | 1,593 |
| Average equity | $55,351,250 | 1,323 |
| Average total loans | $262,664,250 | 1,620 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 5,275 |
| Cost of funding earning assets | 0.2227% | 5,723 |
| Net interest margin | 3.3319% | 4,467 |
| Noninterest income to average assets | 2.2065% | 296 |
| Noninterest expense to average assets | 4.0505% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7871% | 3,393 |
| Return on assets (ROA) | 0.8236% | 3,313 |
| Pretax return on assets | 1.1648% | 2,819 |
| Return on Equity (ROE) | 6.4624% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.5880% | 3,244 |
| Net charge-offs to loans | -0.0132% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4382% | 2,234 |
| Assets per employee ($millions) | 3.2874% | 5,275 |
| Cash dividends to net income (ytd only)* | 29.0051% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9034% | 1,583 |
| Loan loss allowance to noncurrent loans | 66.2763% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 2.2506% | 1,337 |
| Noncurrent loans to loans | 2.8720% | 1,039 |
| Net loans and leases to total assets | 62.0372% | 3,396 |
| Net loans and leases to deposits | 73.0466% | 3,445 |
| Net loans and leases to core deposits | 77.1207% | 3,526 |
| Total domestic deposits to total assets | 84.9283% | 3,544 |
| Equity capital to assets | 12.7383% | 1,521 |
| Core capital (leverage) ratio | 11.7802% | 1,802 |
| Tier 1 risk-based capital ratio | 17.2238% | 2,527 |
| Total risk-based capital ratio | 18.4802% | 2,487 |
| Memoranda: | ||
| Average total assets | $432,000,330 | 1,550 |
| Average earning assets | $383,439,330 | 1,602 |
| Average equity | $55,057,000 | 1,317 |
| Average total loans | $257,525,670 | 1,644 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 5,489 |
| Cost of funding earning assets | 0.2262% | 5,784 |
| Net interest margin | 3.2514% | 4,737 |
| Noninterest income to average assets | 2.2553% | 276 |
| Noninterest expense to average assets | 4.0131% | 749 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7983% | 3,163 |
| Return on assets (ROA) | 0.7983% | 3,241 |
| Pretax return on assets | 1.1207% | 2,813 |
| Return on Equity (ROE) | 6.2625% | 3,874 |
| Retained earnings to average equity (ytd only) | 2.4918% | 4,579 |
| Net charge-offs to loans | -0.0210% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1709% | 2,452 |
| Assets per employee ($millions) | 3.2913% | 5,357 |
| Cash dividends to net income (ytd only)* | 60.2100% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1136% | 1,297 |
| Loan loss allowance to noncurrent loans | 59.7342% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.5072% | 1,269 |
| Noncurrent loans to loans | 3.5383% | 817 |
| Net loans and leases to total assets | 56.4885% | 4,082 |
| Net loans and leases to deposits | 66.2224% | 4,067 |
| Net loans and leases to core deposits | 69.8903% | 4,106 |
| Total domestic deposits to total assets | 85.3012% | 3,722 |
| Equity capital to assets | 12.7726% | 1,417 |
| Core capital (leverage) ratio | 11.8677% | 1,724 |
| Tier 1 risk-based capital ratio | 17.9858% | 2,304 |
| Total risk-based capital ratio | 19.2438% | 2,279 |
| Memoranda: | ||
| Average total assets | $429,391,500 | 1,565 |
| Average earning assets | $380,141,000 | 1,619 |
| Average equity | $54,738,500 | 1,323 |
| Average total loans | $248,038,000 | 1,709 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 5,128 |
| Cost of funding earning assets | 0.2689% | 5,840 |
| Net interest margin | 3.4345% | 4,150 |
| Noninterest income to average assets | 2.3789% | 301 |
| Noninterest expense to average assets | 4.0029% | 875 |
| Loan and lease loss provision to assets | -0.0878% | 6,463 |
| Net operating income to assets | 1.0652% | 2,057 |
| Return on assets (ROA) | 1.0647% | 2,143 |
| Pretax return on assets | 1.4859% | 1,492 |
| Return on Equity (ROE) | 8.8044% | 2,640 |
| Retained earnings to average equity (ytd only) | 6.8413% | 1,510 |
| Net charge-offs to loans | -0.0569% | 6,356 |
| Credit loss provision to net charge-offs | 267.1329% | 846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1045% | 3,114 |
| Assets per employee ($millions) | 3.2643% | 5,355 |
| Cash dividends to net income (ytd only)* | 22.2966% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 1,297 |
| Loan loss allowance to noncurrent loans | 64.8856% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.3687% | 1,471 |
| Noncurrent loans to loans | 3.2699% | 1,015 |
| Net loans and leases to total assets | 56.5955% | 4,242 |
| Net loans and leases to deposits | 66.5818% | 4,230 |
| Net loans and leases to core deposits | 70.3555% | 4,256 |
| Total domestic deposits to total assets | 85.0014% | 3,752 |
| Equity capital to assets | 12.7230% | 1,411 |
| Core capital (leverage) ratio | 12.0426% | 1,574 |
| Tier 1 risk-based capital ratio | 17.8457% | 2,291 |
| Total risk-based capital ratio | 19.1035% | 2,258 |
| Memoranda: | ||
| Average total assets | $435,163,000 | 1,519 |
| Average earning assets | $382,995,600 | 1,579 |
| Average equity | $52,621,400 | 1,346 |
| Average total loans | $251,415,800 | 1,653 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 5,076 |
| Cost of funding earning assets | 0.2806% | 5,887 |
| Net interest margin | 3.4544% | 4,076 |
| Noninterest income to average assets | 2.4116% | 307 |
| Noninterest expense to average assets | 4.0922% | 774 |
| Loan and lease loss provision to assets | 0.0055% | 4,861 |
| Net operating income to assets | 0.9524% | 2,579 |
| Return on assets (ROA) | 0.9524% | 2,684 |
| Pretax return on assets | 1.3527% | 2,113 |
| Return on Equity (ROE) | 7.9780% | 3,134 |
| Retained earnings to average equity (ytd only) | 5.3383% | 2,843 |
| Net charge-offs to loans | -0.0750% | 6,426 |
| Credit loss provision to net charge-offs | -12.6761% | 5,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0812% | 2,893 |
| Assets per employee ($millions) | 3.1934% | 5,508 |
| Cash dividends to net income (ytd only)* | 33.0878% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2406% | 1,269 |
| Loan loss allowance to noncurrent loans | 69.8725% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 2.8346% | 1,313 |
| Noncurrent loans to loans | 3.2066% | 1,225 |
| Net loans and leases to total assets | 58.8771% | 3,874 |
| Net loans and leases to deposits | 69.7671% | 3,818 |
| Net loans and leases to core deposits | 73.8689% | 3,868 |
| Total domestic deposits to total assets | 84.3908% | 4,030 |
| Equity capital to assets | 12.6366% | 1,508 |
| Core capital (leverage) ratio | 11.4175% | 2,109 |
| Tier 1 risk-based capital ratio | 16.7227% | 2,851 |
| Total risk-based capital ratio | 17.9816% | 2,788 |
| Memoranda: | ||
| Average total assets | $437,049,000 | 1,526 |
| Average earning assets | $384,466,500 | 1,579 |
| Average equity | $52,175,250 | 1,370 |
| Average total loans | $252,455,000 | 1,647 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 5,070 |
| Cost of funding earning assets | 0.2901% | 5,901 |
| Net interest margin | 3.4333% | 4,064 |
| Noninterest income to average assets | 2.3488% | 357 |
| Noninterest expense to average assets | 4.0001% | 865 |
| Loan and lease loss provision to assets | 0.0081% | 4,693 |
| Net operating income to assets | 0.9502% | 2,571 |
| Return on assets (ROA) | 0.9502% | 2,718 |
| Pretax return on assets | 1.3571% | 2,093 |
| Return on Equity (ROE) | 8.1084% | 3,036 |
| Retained earnings to average equity (ytd only) | 6.1217% | 2,358 |
| Net charge-offs to loans | 0.0103% | 4,674 |
| Credit loss provision to net charge-offs | 138.4615% | 1,640 |
| Earnings coverage of net charge-offs (x) | 232.7692% | 224 |
| Efficiency ratio | 74.5543% | 3,020 |
| Assets per employee ($millions) | 3.2710% | 5,332 |
| Cash dividends to net income (ytd only)* | 24.5014% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1931% | 1,435 |
| Loan loss allowance to noncurrent loans | 66.1446% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 2.8536% | 1,441 |
| Noncurrent loans to loans | 3.3157% | 1,315 |
| Net loans and leases to total assets | 57.1368% | 4,118 |
| Net loans and leases to deposits | 67.2166% | 4,112 |
| Net loans and leases to core deposits | 71.0035% | 4,166 |
| Total domestic deposits to total assets | 85.0040% | 3,887 |
| Equity capital to assets | 12.1629% | 1,799 |
| Core capital (leverage) ratio | 11.0917% | 2,273 |
| Tier 1 risk-based capital ratio | 16.6660% | 2,853 |
| Total risk-based capital ratio | 17.9239% | 2,825 |
| Memoranda: | ||
| Average total assets | $443,288,330 | 1,498 |
| Average earning assets | $389,476,000 | 1,558 |
| Average equity | $51,946,000 | 1,383 |
| Average total loans | $252,624,670 | 1,647 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7157% | 5,107 |
| Cost of funding earning assets | 0.2961% | 5,997 |
| Net interest margin | 3.4196% | 4,047 |
| Noninterest income to average assets | 2.1115% | 401 |
| Noninterest expense to average assets | 3.9611% | 929 |
| Loan and lease loss provision to assets | 0.0160% | 4,258 |
| Net operating income to assets | 0.8023% | 3,153 |
| Return on assets (ROA) | 0.8023% | 3,284 |
| Pretax return on assets | 1.1378% | 2,822 |
| Return on Equity (ROE) | 6.9727% | 3,502 |
| Retained earnings to average equity (ytd only) | 2.9927% | 4,488 |
| Net charge-offs to loans | -0.0236% | 5,797 |
| Credit loss provision to net charge-offs | -120.0000% | 5,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4423% | 2,702 |
| Assets per employee ($millions) | 3.2281% | 5,574 |
| Cash dividends to net income (ytd only)* | 57.0796% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2313% | 1,523 |
| Loan loss allowance to noncurrent loans | 120.8498% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 2.0117% | 2,332 |
| Noncurrent loans to loans | 1.8464% | 2,805 |
| Net loans and leases to total assets | 55.0718% | 4,229 |
| Net loans and leases to deposits | 64.5320% | 4,251 |
| Net loans and leases to core deposits | 68.1366% | 4,288 |
| Total domestic deposits to total assets | 85.3404% | 3,871 |
| Equity capital to assets | 11.8365% | 2,146 |
| Core capital (leverage) ratio | 10.5876% | 2,667 |
| Tier 1 risk-based capital ratio | 16.5839% | 2,959 |
| Total risk-based capital ratio | 17.8427% | 2,917 |
| Memoranda: | ||
| Average total assets | $450,679,000 | 1,489 |
| Average earning assets | $395,837,000 | 1,548 |
| Average equity | $51,859,500 | 1,404 |
| Average total loans | $253,774,500 | 1,647 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 4,827 |
| Cost of funding earning assets | 0.3764% | 6,074 |
| Net interest margin | 3.7565% | 3,413 |
| Noninterest income to average assets | 2.2309% | 375 |
| Noninterest expense to average assets | 3.9996% | 975 |
| Loan and lease loss provision to assets | 0.0069% | 5,835 |
| Net operating income to assets | 1.1003% | 1,936 |
| Return on assets (ROA) | 1.1081% | 2,090 |
| Pretax return on assets | 1.5460% | 1,534 |
| Return on Equity (ROE) | 10.1796% | 2,097 |
| Retained earnings to average equity (ytd only) | 9.1314% | 784 |
| Net charge-offs to loans | 0.1353% | 4,329 |
| Credit loss provision to net charge-offs | 8.5165% | 5,412 |
| Earnings coverage of net charge-offs (x) | 19.1566% | 1,403 |
| Efficiency ratio | 72.1737% | 3,384 |
| Assets per employee ($millions) | 3.3995% | 5,219 |
| Cash dividends to net income (ytd only)* | 10.2973% | 4,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1076% | 1,751 |
| Loan loss allowance to noncurrent loans | 115.4251% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.9601% | 2,496 |
| Noncurrent loans to loans | 1.8259% | 2,880 |
| Net loans and leases to total assets | 55.1046% | 4,439 |
| Net loans and leases to deposits | 64.0968% | 4,517 |
| Net loans and leases to core deposits | 68.2360% | 4,511 |
| Total domestic deposits to total assets | 85.9710% | 3,373 |
| Equity capital to assets | 11.1940% | 2,742 |
| Core capital (leverage) ratio | 10.4977% | 2,772 |
| Tier 1 risk-based capital ratio | 15.7165% | 3,306 |
| Total risk-based capital ratio | 16.9739% | 3,261 |
| Memoranda: | ||
| Average total assets | $452,199,600 | 1,461 |
| Average earning assets | $398,541,000 | 1,511 |
| Average equity | $49,226,000 | 1,436 |
| Average total loans | $268,954,400 | 1,545 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 4,914 |
| Cost of funding earning assets | 0.3960% | 6,141 |
| Net interest margin | 3.7750% | 3,440 |
| Noninterest income to average assets | 2.1693% | 380 |
| Noninterest expense to average assets | 3.9098% | 1,053 |
| Loan and lease loss provision to assets | 0.0053% | 5,743 |
| Net operating income to assets | 1.1001% | 2,085 |
| Return on assets (ROA) | 1.1101% | 2,245 |
| Pretax return on assets | 1.6127% | 1,529 |
| Return on Equity (ROE) | 10.2726% | 2,224 |
| Retained earnings to average equity (ytd only) | 8.8568% | 1,284 |
| Net charge-offs to loans | 0.0216% | 5,363 |
| Credit loss provision to net charge-offs | 40.9091% | 4,594 |
| Earnings coverage of net charge-offs (x) | 122.8991% | 353 |
| Efficiency ratio | 70.9153% | 3,516 |
| Assets per employee ($millions) | 3.0087% | 6,039 |
| Cash dividends to net income (ytd only)* | 13.7820% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1552% | 1,794 |
| Loan loss allowance to noncurrent loans | 87.0977% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.3575% | 2,256 |
| Noncurrent loans to loans | 2.4745% | 2,322 |
| Net loans and leases to total assets | 60.6916% | 3,635 |
| Net loans and leases to deposits | 71.3731% | 3,693 |
| Net loans and leases to core deposits | 76.6265% | 3,659 |
| Total domestic deposits to total assets | 85.0343% | 3,728 |
| Equity capital to assets | 11.6859% | 2,547 |
| Core capital (leverage) ratio | 10.3304% | 3,124 |
| Tier 1 risk-based capital ratio | 15.2036% | 3,702 |
| Total risk-based capital ratio | 16.4623% | 3,646 |
| Memoranda: | ||
| Average total assets | $449,665,750 | 1,480 |
| Average earning assets | $398,327,000 | 1,529 |
| Average equity | $48,594,000 | 1,459 |
| Average total loans | $271,129,750 | 1,538 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 5,262 |
| Cost of funding earning assets | 0.4181% | 6,174 |
| Net interest margin | 3.6973% | 3,834 |
| Noninterest income to average assets | 2.0280% | 394 |
| Noninterest expense to average assets | 3.8248% | 1,173 |
| Loan and lease loss provision to assets | 0.0040% | 5,595 |
| Net operating income to assets | 1.0128% | 2,413 |
| Return on assets (ROA) | 1.0252% | 2,583 |
| Pretax return on assets | 1.4853% | 1,892 |
| Return on Equity (ROE) | 9.7380% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.7380% | 1,048 |
| Net charge-offs to loans | 0.0743% | 4,408 |
| Credit loss provision to net charge-offs | 8.9109% | 4,754 |
| Earnings coverage of net charge-offs (x) | 33.1485% | 1,004 |
| Efficiency ratio | 72.2204% | 3,389 |
| Assets per employee ($millions) | 3.0648% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0719% | 2,056 |
| Loan loss allowance to noncurrent loans | 82.2347% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.4787% | 2,252 |
| Noncurrent loans to loans | 2.5195% | 2,397 |
| Net loans and leases to total assets | 61.3248% | 3,570 |
| Net loans and leases to deposits | 71.3631% | 3,709 |
| Net loans and leases to core deposits | 75.5527% | 3,810 |
| Total domestic deposits to total assets | 85.9335% | 3,386 |
| Equity capital to assets | 11.1784% | 2,917 |
| Core capital (leverage) ratio | 9.9299% | 3,514 |
| Tier 1 risk-based capital ratio | 14.4046% | 4,176 |
| Total risk-based capital ratio | 15.6623% | 4,132 |
| Memoranda: | ||
| Average total assets | $455,135,670 | 1,465 |
| Average earning assets | $402,291,330 | 1,520 |
| Average equity | $47,915,330 | 1,470 |
| Average total loans | $271,925,670 | 1,538 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 5,564 |
| Cost of funding earning assets | 0.4662% | 6,046 |
| Net interest margin | 3.5986% | 4,280 |
| Noninterest income to average assets | 1.9842% | 417 |
| Noninterest expense to average assets | 3.7754% | 1,247 |
| Loan and lease loss provision to assets | 0.0043% | 5,218 |
| Net operating income to assets | 0.9471% | 2,711 |
| Return on assets (ROA) | 0.9471% | 2,919 |
| Pretax return on assets | 1.3722% | 2,277 |
| Return on Equity (ROE) | 9.2699% | 2,698 |
| Retained earnings to average equity (ytd only) | 9.2699% | 1,493 |
| Net charge-offs to loans | -0.0326% | 6,378 |
| Credit loss provision to net charge-offs | -22.7273% | 5,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2818% | 3,205 |
| Assets per employee ($millions) | 3.1722% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1459% | 1,997 |
| Loan loss allowance to noncurrent loans | 106.1376% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 2.3982% | 2,474 |
| Noncurrent loans to loans | 2.0218% | 3,124 |
| Net loans and leases to total assets | 58.3481% | 3,980 |
| Net loans and leases to deposits | 67.6143% | 4,124 |
| Net loans and leases to core deposits | 71.7250% | 4,192 |
| Total domestic deposits to total assets | 86.2955% | 3,365 |
| Equity capital to assets | 10.4396% | 3,567 |
| Core capital (leverage) ratio | 9.4213% | 4,166 |
| Tier 1 risk-based capital ratio | 14.0477% | 4,438 |
| Total risk-based capital ratio | 15.3060% | 4,392 |
| Memoranda: | ||
| Average total assets | $462,041,500 | 1,443 |
| Average earning assets | $406,719,000 | 1,493 |
| Average equity | $47,206,500 | 1,477 |
| Average total loans | $269,705,000 | 1,558 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 5,652 |
| Cost of funding earning assets | 0.6379% | 5,883 |
| Net interest margin | 3.6959% | 4,313 |
| Noninterest income to average assets | 1.9279% | 398 |
| Noninterest expense to average assets | 4.0822% | 932 |
| Loan and lease loss provision to assets | 0.0842% | 5,556 |
| Net operating income to assets | 0.7305% | 3,334 |
| Return on assets (ROA) | 0.7311% | 3,511 |
| Pretax return on assets | 1.0115% | 3,201 |
| Return on Equity (ROE) | 7.5017% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.5017% | 1,274 |
| Net charge-offs to loans | 0.1053% | 5,306 |
| Credit loss provision to net charge-offs | 126.0586% | 2,474 |
| Earnings coverage of net charge-offs (x) | 16.3941% | 1,332 |
| Efficiency ratio | 78.0336% | 2,583 |
| Assets per employee ($millions) | 3.2450% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1788% | 1,838 |
| Loan loss allowance to noncurrent loans | 113.9667% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 2.3024% | 2,620 |
| Noncurrent loans to loans | 1.9118% | 3,328 |
| Net loans and leases to total assets | 55.9004% | 4,725 |
| Net loans and leases to deposits | 65.2050% | 4,847 |
| Net loans and leases to core deposits | 69.5949% | 4,835 |
| Total domestic deposits to total assets | 85.7301% | 3,469 |
| Equity capital to assets | 9.9993% | 4,171 |
| Core capital (leverage) ratio | 9.3013% | 4,329 |
| Tier 1 risk-based capital ratio | 13.8929% | 4,403 |
| Total risk-based capital ratio | 15.1514% | 4,353 |
| Memoranda: | ||
| Average total assets | $459,724,600 | 1,428 |
| Average earning assets | $404,151,200 | 1,472 |
| Average equity | $44,803,200 | 1,516 |
| Average total loans | $291,461,000 | 1,465 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3551% | 5,756 |
| Cost of funding earning assets | 0.6725% | 5,916 |
| Net interest margin | 3.6826% | 4,421 |
| Noninterest income to average assets | 1.8932% | 417 |
| Noninterest expense to average assets | 4.1088% | 885 |
| Loan and lease loss provision to assets | 0.1118% | 5,030 |
| Net operating income to assets | 0.6596% | 3,825 |
| Return on assets (ROA) | 0.6605% | 3,995 |
| Pretax return on assets | 0.9188% | 3,690 |
| Return on Equity (ROE) | 6.8225% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.8225% | 2,064 |
| Net charge-offs to loans | 0.1958% | 4,236 |
| Credit loss provision to net charge-offs | 87.8719% | 3,856 |
| Earnings coverage of net charge-offs (x) | 8.0893% | 2,240 |
| Efficiency ratio | 79.1317% | 2,389 |
| Assets per employee ($millions) | 3.3339% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 2,351 |
| Loan loss allowance to noncurrent loans | 87.1933% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 2.8570% | 2,268 |
| Noncurrent loans to loans | 2.2891% | 3,012 |
| Net loans and leases to total assets | 62.0221% | 3,716 |
| Net loans and leases to deposits | 72.6546% | 3,862 |
| Net loans and leases to core deposits | 78.6284% | 3,812 |
| Total domestic deposits to total assets | 85.3657% | 3,572 |
| Equity capital to assets | 10.2040% | 4,076 |
| Core capital (leverage) ratio | 9.1951% | 4,634 |
| Tier 1 risk-based capital ratio | 13.1592% | 4,982 |
| Total risk-based capital ratio | 14.4164% | 4,953 |
| Memoranda: | ||
| Average total assets | $457,834,500 | 1,446 |
| Average earning assets | $403,438,250 | 1,492 |
| Average equity | $44,322,750 | 1,534 |
| Average total loans | $297,568,250 | 1,442 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 5,727 |
| Cost of funding earning assets | 0.6979% | 5,975 |
| Net interest margin | 3.6932% | 4,297 |
| Noninterest income to average assets | 1.7532% | 441 |
| Noninterest expense to average assets | 4.0598% | 958 |
| Loan and lease loss provision to assets | 0.1329% | 4,636 |
| Net operating income to assets | 0.5803% | 4,155 |
| Return on assets (ROA) | 0.5803% | 4,284 |
| Pretax return on assets | 0.8110% | 3,983 |
| Return on Equity (ROE) | 6.1021% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.1021% | 2,358 |
| Net charge-offs to loans | 0.2704% | 3,533 |
| Credit loss provision to net charge-offs | 75.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | 5.3260% | 2,640 |
| Efficiency ratio | 80.2847% | 2,344 |
| Assets per employee ($millions) | 3.2128% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 2,527 |
| Loan loss allowance to noncurrent loans | 65.0358% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 3.4207% | 1,930 |
| Noncurrent loans to loans | 2.9901% | 2,429 |
| Net loans and leases to total assets | 63.1833% | 3,645 |
| Net loans and leases to deposits | 73.8124% | 3,834 |
| Net loans and leases to core deposits | 80.6379% | 3,700 |
| Total domestic deposits to total assets | 85.5998% | 3,562 |
| Equity capital to assets | 9.9183% | 4,253 |
| Core capital (leverage) ratio | 8.8222% | 5,011 |
| Tier 1 risk-based capital ratio | 12.5191% | 5,328 |
| Total risk-based capital ratio | 13.7757% | 5,298 |
| Memoranda: | ||
| Average total assets | $460,419,330 | 1,447 |
| Average earning assets | $405,232,670 | 1,500 |
| Average equity | $43,788,330 | 1,536 |
| Average total loans | $301,813,000 | 1,432 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 5,865 |
| Cost of funding earning assets | 0.7292% | 5,982 |
| Net interest margin | 3.6186% | 4,490 |
| Noninterest income to average assets | 1.6421% | 498 |
| Noninterest expense to average assets | 3.9765% | 1,067 |
| Loan and lease loss provision to assets | 0.1958% | 3,668 |
| Net operating income to assets | 0.4749% | 4,597 |
| Return on assets (ROA) | 0.4749% | 4,679 |
| Pretax return on assets | 0.6536% | 4,479 |
| Return on Equity (ROE) | 5.0995% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.0995% | 3,121 |
| Net charge-offs to loans | 0.4119% | 2,453 |
| Credit loss provision to net charge-offs | 71.9243% | 3,318 |
| Earnings coverage of net charge-offs (x) | 3.1199% | 2,847 |
| Efficiency ratio | 81.5270% | 2,294 |
| Assets per employee ($millions) | 3.3859% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 2,795 |
| Loan loss allowance to noncurrent loans | 97.4974% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 3.5109% | 1,940 |
| Noncurrent loans to loans | 1.9151% | 3,679 |
| Net loans and leases to total assets | 63.5400% | 3,531 |
| Net loans and leases to deposits | 73.6108% | 3,819 |
| Net loans and leases to core deposits | 81.6260% | 3,512 |
| Total domestic deposits to total assets | 86.3189% | 3,331 |
| Equity capital to assets | 9.3745% | 4,616 |
| Core capital (leverage) ratio | 8.2528% | 5,898 |
| Tier 1 risk-based capital ratio | 11.6313% | 5,999 |
| Total risk-based capital ratio | 12.8868% | 5,980 |
| Memoranda: | ||
| Average total assets | $465,736,500 | 1,450 |
| Average earning assets | $409,774,000 | 1,490 |
| Average equity | $43,377,000 | 1,540 |
| Average total loans | $307,807,000 | 1,419 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 6,279 |
| Cost of funding earning assets | 0.9575% | 5,897 |
| Net interest margin | 3.5844% | 4,889 |
| Noninterest income to average assets | 1.8746% | 442 |
| Noninterest expense to average assets | 3.8570% | 1,380 |
| Loan and lease loss provision to assets | 0.4375% | 3,496 |
| Net operating income to assets | 0.5662% | 3,820 |
| Return on assets (ROA) | 0.5784% | 3,924 |
| Pretax return on assets | 0.7768% | 3,705 |
| Return on Equity (ROE) | 6.6078% | 3,296 |
| Retained earnings to average equity (ytd only) | 3.4491% | 3,454 |
| Net charge-offs to loans | 0.0236% | 6,577 |
| Credit loss provision to net charge-offs | 2,822.6667% | 83 |
| Earnings coverage of net charge-offs (x) | 77.2800% | 315 |
| Efficiency ratio | 75.5070% | 3,122 |
| Assets per employee ($millions) | 3.4386% | 5,088 |
| Cash dividends to net income (ytd only)* | 47.8028% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 2,749 |
| Loan loss allowance to noncurrent loans | 67.8491% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 2.9411% | 2,390 |
| Noncurrent loans to loans | 2.7013% | 2,817 |
| Net loans and leases to total assets | 66.2045% | 3,426 |
| Net loans and leases to deposits | 76.7528% | 3,724 |
| Net loans and leases to core deposits | 85.6212% | 3,379 |
| Total domestic deposits to total assets | 86.2568% | 3,226 |
| Equity capital to assets | 9.2524% | 4,751 |
| Core capital (leverage) ratio | 7.9167% | 6,299 |
| Tier 1 risk-based capital ratio | 11.3825% | 6,009 |
| Total risk-based capital ratio | 12.6381% | 5,995 |
| Memoranda: | ||
| Average total assets | $483,896,800 | 1,385 |
| Average earning assets | $429,331,000 | 1,409 |
| Average equity | $42,359,000 | 1,566 |
| Average total loans | $318,355,600 | 1,412 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 6,568 |
| Cost of funding earning assets | 0.9751% | 6,061 |
| Net interest margin | 3.5395% | 5,141 |
| Noninterest income to average assets | 1.8117% | 447 |
| Noninterest expense to average assets | 3.8066% | 1,365 |
| Loan and lease loss provision to assets | 0.3543% | 3,781 |
| Net operating income to assets | 0.5670% | 4,021 |
| Return on assets (ROA) | 0.5682% | 4,182 |
| Pretax return on assets | 0.7967% | 3,919 |
| Return on Equity (ROE) | 6.5795% | 3,541 |
| Retained earnings to average equity (ytd only) | 3.4113% | 4,048 |
| Net charge-offs to loans | 0.0192% | 6,402 |
| Credit loss provision to net charge-offs | 2,823.9130% | 103 |
| Earnings coverage of net charge-offs (x) | 91.6114% | 337 |
| Efficiency ratio | 75.9989% | 2,954 |
| Assets per employee ($millions) | 3.8170% | 4,223 |
| Cash dividends to net income (ytd only)* | 48.1518% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 3,863 |
| Loan loss allowance to noncurrent loans | 103.3626% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.8766% | 3,640 |
| Noncurrent loans to loans | 1.4714% | 4,420 |
| Net loans and leases to total assets | 64.5821% | 3,998 |
| Net loans and leases to deposits | 79.8146% | 3,489 |
| Net loans and leases to core deposits | 88.9291% | 3,247 |
| Total domestic deposits to total assets | 80.9151% | 5,406 |
| Equity capital to assets | 8.7245% | 5,977 |
| Core capital (leverage) ratio | 7.7834% | 6,588 |
| Tier 1 risk-based capital ratio | 10.7620% | 6,577 |
| Total risk-based capital ratio | 12.0140% | 6,562 |
| Memoranda: | ||
| Average total assets | $488,817,000 | 1,391 |
| Average earning assets | $434,251,000 | 1,420 |
| Average equity | $42,211,000 | 1,570 |
| Average total loans | $319,677,000 | 1,420 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 6,663 |
| Cost of funding earning assets | 1.0260% | 6,021 |
| Net interest margin | 3.4930% | 5,276 |
| Noninterest income to average assets | 1.6363% | 481 |
| Noninterest expense to average assets | 3.7701% | 1,412 |
| Loan and lease loss provision to assets | 0.4589% | 3,022 |
| Net operating income to assets | 0.3771% | 4,864 |
| Return on assets (ROA) | 0.3771% | 5,027 |
| Pretax return on assets | 0.5025% | 4,894 |
| Return on Equity (ROE) | 4.3822% | 4,609 |
| Retained earnings to average equity (ytd only) | 1.1852% | 5,274 |
| Net charge-offs to loans | 0.0233% | 6,010 |
| Credit loss provision to net charge-offs | 3,016.2162% | 137 |
| Earnings coverage of net charge-offs (x) | 63.1892% | 492 |
| Efficiency ratio | 78.8284% | 2,601 |
| Assets per employee ($millions) | 3.9943% | 3,781 |
| Cash dividends to net income (ytd only)* | 72.9553% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 3,934 |
| Loan loss allowance to noncurrent loans | 241.2835% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 4,191 |
| Noncurrent loans to loans | 0.6220% | 6,003 |
| Net loans and leases to total assets | 65.3888% | 3,967 |
| Net loans and leases to deposits | 81.2967% | 3,387 |
| Net loans and leases to core deposits | 88.2129% | 3,516 |
| Total domestic deposits to total assets | 80.4323% | 5,583 |
| Equity capital to assets | 8.7674% | 5,791 |
| Core capital (leverage) ratio | 7.5728% | 6,758 |
| Tier 1 risk-based capital ratio | 10.6800% | 6,542 |
| Total risk-based capital ratio | 11.9316% | 6,537 |
| Memoranda: | ||
| Average total assets | $486,352,670 | 1,406 |
| Average earning assets | $430,974,330 | 1,446 |
| Average equity | $41,850,670 | 1,580 |
| Average total loans | $317,765,330 | 1,442 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 6,963 |
| Cost of funding earning assets | 1.1054% | 5,878 |
| Net interest margin | 3.3153% | 5,911 |
| Noninterest income to average assets | 1.5098% | 530 |
| Noninterest expense to average assets | 3.7177% | 1,485 |
| Loan and lease loss provision to assets | 0.1617% | 4,910 |
| Net operating income to assets | 0.4213% | 4,747 |
| Return on assets (ROA) | 0.4213% | 4,887 |
| Pretax return on assets | 0.5691% | 4,722 |
| Return on Equity (ROE) | 4.9420% | 4,396 |
| Retained earnings to average equity (ytd only) | 1.7335% | 5,072 |
| Net charge-offs to loans | 0.0025% | 5,587 |
| Credit loss provision to net charge-offs | 9,900.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 447.5000% | 64 |
| Efficiency ratio | 82.6725% | 2,181 |
| Assets per employee ($millions) | 4.1662% | 3,527 |
| Cash dividends to net income (ytd only)* | 64.9225% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 5,370 |
| Loan loss allowance to noncurrent loans | 133.7917% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 1.5820% | 4,126 |
| Noncurrent loans to loans | 0.9148% | 5,487 |
| Net loans and leases to total assets | 62.8253% | 4,578 |
| Net loans and leases to deposits | 80.1553% | 3,632 |
| Net loans and leases to core deposits | 85.9484% | 3,909 |
| Total domestic deposits to total assets | 78.3796% | 6,229 |
| Equity capital to assets | 8.4129% | 6,145 |
| Core capital (leverage) ratio | 7.6430% | 6,688 |
| Tier 1 risk-based capital ratio | 10.6489% | 6,494 |
| Total risk-based capital ratio | 11.7808% | 6,592 |
| Memoranda: | ||
| Average total assets | $489,874,000 | 1,425 |
| Average earning assets | $434,229,000 | 1,467 |
| Average equity | $41,764,500 | 1,597 |
| Average total loans | $317,553,000 | 1,486 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 6,838 |
| Cost of funding earning assets | 1.2953% | 6,323 |
| Net interest margin | 3.5558% | 4,722 |
| Noninterest income to average assets | 2.1583% | 339 |
| Noninterest expense to average assets | 4.1343% | 1,179 |
| Loan and lease loss provision to assets | 0.1915% | 5,812 |
| Net operating income to assets | 0.6763% | 3,029 |
| Return on assets (ROA) | 0.8570% | 2,398 |
| Pretax return on assets | 1.2052% | 1,936 |
| Return on Equity (ROE) | 8.9686% | 2,037 |
| Retained earnings to average equity (ytd only) | 4.4610% | 2,131 |
| Net charge-offs to loans | 0.1280% | 5,917 |
| Credit loss provision to net charge-offs | 212.7604% | 1,806 |
| Earnings coverage of net charge-offs (x) | 12.6927% | 1,487 |
| Efficiency ratio | 77.4871% | 3,270 |
| Assets per employee ($millions) | 4.1722% | 3,488 |
| Cash dividends to net income (ytd only)* | 50.2598% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 5,558 |
| Loan loss allowance to noncurrent loans | 174.5042% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 1.4625% | 4,210 |
| Noncurrent loans to loans | 0.6679% | 5,902 |
| Net loans and leases to total assets | 65.3239% | 4,318 |
| Net loans and leases to deposits | 84.1985% | 3,218 |
| Net loans and leases to core deposits | 106.7553% | 3,243 |
| Total domestic deposits to total assets | 77.5832% | 6,328 |
| Equity capital to assets | 8.6430% | 5,672 |
| Core capital (leverage) ratio | 8.0125% | 6,170 |
| Tier 1 risk-based capital ratio | 10.4709% | 6,427 |
| Total risk-based capital ratio | 11.5347% | 6,573 |
| Memoranda: | ||
| Average total assets | $426,726,200 | 1,623 |
| Average earning assets | $374,208,800 | 1,680 |
| Average equity | $40,775,600 | 1,645 |
| Average total loans | $299,917,000 | 1,599 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 6,883 |
| Cost of funding earning assets | 1.3447% | 6,417 |
| Net interest margin | 3.5569% | 4,650 |
| Noninterest income to average assets | 2.3115% | 300 |
| Noninterest expense to average assets | 4.2599% | 963 |
| Loan and lease loss provision to assets | 0.2103% | 5,297 |
| Net operating income to assets | 0.6751% | 3,298 |
| Return on assets (ROA) | 0.8929% | 2,521 |
| Pretax return on assets | 1.2702% | 2,043 |
| Return on Equity (ROE) | 9.0929% | 2,228 |
| Retained earnings to average equity (ytd only) | 5.9929% | 1,952 |
| Net charge-offs to loans | 0.0086% | 6,837 |
| Credit loss provision to net charge-offs | 3,431.5789% | 120 |
| Earnings coverage of net charge-offs (x) | 190.8626% | 204 |
| Efficiency ratio | 77.5897% | 3,226 |
| Assets per employee ($millions) | 3.9049% | 3,927 |
| Cash dividends to net income (ytd only)* | 34.0918% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 4,735 |
| Loan loss allowance to noncurrent loans | 125.1928% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.7171% | 3,797 |
| Noncurrent loans to loans | 1.0085% | 5,287 |
| Net loans and leases to total assets | 67.8518% | 3,992 |
| Net loans and leases to deposits | 89.6265% | 2,646 |
| Net loans and leases to core deposits | 113.3845% | 2,893 |
| Total domestic deposits to total assets | 75.7051% | 6,639 |
| Equity capital to assets | 9.2631% | 5,075 |
| Core capital (leverage) ratio | 8.4184% | 5,640 |
| Tier 1 risk-based capital ratio | 10.6920% | 6,257 |
| Total risk-based capital ratio | 11.8381% | 6,331 |
| Memoranda: | ||
| Average total assets | $413,457,750 | 1,687 |
| Average earning assets | $362,403,750 | 1,744 |
| Average equity | $40,602,250 | 1,663 |
| Average total loans | $295,616,250 | 1,641 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 6,920 |
| Cost of funding earning assets | 1.3922% | 6,509 |
| Net interest margin | 3.5583% | 4,541 |
| Noninterest income to average assets | 2.5115% | 262 |
| Noninterest expense to average assets | 4.3607% | 891 |
| Loan and lease loss provision to assets | 0.2605% | 4,496 |
| Net operating income to assets | 0.7105% | 3,206 |
| Return on assets (ROA) | 0.8715% | 2,675 |
| Pretax return on assets | 1.2366% | 2,202 |
| Return on Equity (ROE) | 8.6912% | 2,471 |
| Retained earnings to average equity (ytd only) | 5.5673% | 2,216 |
| Net charge-offs to loans | 0.0130% | 6,371 |
| Credit loss provision to net charge-offs | 2,752.6316% | 186 |
| Earnings coverage of net charge-offs (x) | 133.8947% | 298 |
| Efficiency ratio | 76.6195% | 3,579 |
| Assets per employee ($millions) | 3.6613% | 4,425 |
| Cash dividends to net income (ytd only)* | 35.9429% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 4,324 |
| Loan loss allowance to noncurrent loans | 161.9518% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 3,406 |
| Noncurrent loans to loans | 0.7966% | 5,641 |
| Net loans and leases to total assets | 70.2911% | 3,630 |
| Net loans and leases to deposits | 95.6407% | 1,853 |
| Net loans and leases to core deposits | 119.6323% | 2,402 |
| Total domestic deposits to total assets | 73.4949% | 7,040 |
| Equity capital to assets | 9.9283% | 4,051 |
| Core capital (leverage) ratio | 8.9140% | 4,764 |
| Tier 1 risk-based capital ratio | 11.1160% | 5,757 |
| Total risk-based capital ratio | 12.2925% | 5,753 |
| Memoranda: | ||
| Average total assets | $401,590,000 | 1,746 |
| Average earning assets | $351,683,000 | 1,813 |
| Average equity | $40,270,670 | 1,683 |
| Average total loans | $291,291,000 | 1,698 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9736% | 7,001 |
| Cost of funding earning assets | 1.4656% | 6,521 |
| Net interest margin | 3.5080% | 4,696 |
| Noninterest income to average assets | 2.3536% | 272 |
| Noninterest expense to average assets | 4.2240% | 918 |
| Loan and lease loss provision to assets | 0.3604% | 3,155 |
| Net operating income to assets | 0.6002% | 4,008 |
| Return on assets (ROA) | 0.8275% | 3,163 |
| Pretax return on assets | 1.1687% | 2,731 |
| Return on Equity (ROE) | 8.2098% | 3,053 |
| Retained earnings to average equity (ytd only) | 5.0637% | 3,085 |
| Net charge-offs to loans | 0.0220% | 5,249 |
| Credit loss provision to net charge-offs | 2,237.5000% | 296 |
| Earnings coverage of net charge-offs (x) | 75.0625% | 547 |
| Efficiency ratio | 76.8390% | 3,354 |
| Assets per employee ($millions) | 3.5595% | 4,675 |
| Cash dividends to net income (ytd only)* | 38.3212% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 4,586 |
| Loan loss allowance to noncurrent loans | 120.5283% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.6329% | 3,462 |
| Noncurrent loans to loans | 1.0209% | 4,955 |
| Net loans and leases to total assets | 72.5831% | 3,099 |
| Net loans and leases to deposits | 99.9696% | 1,410 |
| Net loans and leases to core deposits | 124.3288% | 2,058 |
| Total domestic deposits to total assets | 72.6051% | 7,117 |
| Equity capital to assets | 10.1235% | 3,865 |
| Core capital (leverage) ratio | 8.9182% | 4,840 |
| Tier 1 risk-based capital ratio | 10.8828% | 6,010 |
| Total risk-based capital ratio | 12.0053% | 6,042 |
| Memoranda: | ||
| Average total assets | $397,350,500 | 1,776 |
| Average earning assets | $348,799,000 | 1,836 |
| Average equity | $40,049,500 | 1,704 |
| Average total loans | $290,932,000 | 1,707 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9452% | 5,826 |
| Cost of funding earning assets | 1.9559% | 6,550 |
| Net interest margin | 3.9893% | 3,167 |
| Noninterest income to average assets | 2.1685% | 300 |
| Noninterest expense to average assets | 4.3004% | 1,049 |
| Loan and lease loss provision to assets | 0.1140% | 5,915 |
| Net operating income to assets | 0.8945% | 3,023 |
| Return on assets (ROA) | 0.8945% | 2,865 |
| Pretax return on assets | 1.2578% | 2,452 |
| Return on Equity (ROE) | 8.3716% | 2,903 |
| Retained earnings to average equity (ytd only) | 3.9223% | 2,682 |
| Net charge-offs to loans | -0.0115% | 7,867 |
| Credit loss provision to net charge-offs | -1,383.3333% | 7,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8717% | 3,420 |
| Assets per employee ($millions) | 3.5360% | 4,580 |
| Cash dividends to net income (ytd only)* | 53.1471% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,066 |
| Loan loss allowance to noncurrent loans | 307.8302% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 5,589 |
| Noncurrent loans to loans | 0.3669% | 6,267 |
| Net loans and leases to total assets | 72.1229% | 3,558 |
| Net loans and leases to deposits | 94.5225% | 2,685 |
| Net loans and leases to core deposits | 115.4694% | 3,184 |
| Total domestic deposits to total assets | 76.3023% | 6,165 |
| Equity capital to assets | 10.0345% | 3,994 |
| Core capital (leverage) ratio | 9.0534% | 4,667 |
| Tier 1 risk-based capital ratio | 11.3446% | 5,393 |
| Total risk-based capital ratio | 12.4206% | 5,458 |
| Memoranda: | ||
| Average total assets | $364,129,800 | 1,839 |
| Average earning assets | $319,801,600 | 1,904 |
| Average equity | $38,905,400 | 1,733 |
| Average total loans | $261,187,600 | 1,823 |