Home > Community Bank of Louisiana > Performance and Condition Ratios
Community Bank of Louisiana, 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 | 3.7359% | 4,247 |
| Cost of funding earning assets | 1.0605% | 3,170 |
| Net interest margin | 2.6754% | 3,854 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 1.8776% | 3,881 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1588% | 1,755 |
| Return on assets (ROA) | 1.1583% | 1,732 |
| Pretax return on assets | 1.1583% | 2,246 |
| Return on Equity (ROE) | 32.6200% | 147 |
| Retained earnings to average equity (ytd only) | 23.3963% | 88 |
| Net charge-offs to loans | 0.0238% | 1,836 |
| Credit loss provision to net charge-offs | 114.7541% | 1,719 |
| Earnings coverage of net charge-offs (x) | 148.4918% | 711 |
| Efficiency ratio | 61.6528% | 2,879 |
| Assets per employee ($millions) | 6.9886% | 2,083 |
| Cash dividends to net income (ytd only)* | 28.2725% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5040% | 4,330 |
| Loan loss allowance to noncurrent loans | 1,339.0000% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 3,107 |
| Noncurrent loans to loans | 0.0376% | 3,461 |
| Net loans and leases to total assets | 32.6100% | 4,243 |
| Net loans and leases to deposits | 34.3475% | 4,299 |
| Net loans and leases to core deposits | 39.9450% | 4,284 |
| Total domestic deposits to total assets | 94.9400% | 61 |
| Equity capital to assets | 4.7552% | 4,443 |
| Core capital (leverage) ratio | 10.3437% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5914% | 641 |
| Memoranda: | ||
| Average total assets | $775,613,200 | 1,207 |
| Average earning assets | $741,992,400 | 1,178 |
| Average equity | $27,542,800 | 2,389 |
| Average total loans | $256,433,800 | 1,973 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 4,184 |
| Cost of funding earning assets | 0.9441% | 3,169 |
| Net interest margin | 2.7830% | 3,752 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.9384% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2442% | 1,663 |
| Return on assets (ROA) | 1.2435% | 1,658 |
| Pretax return on assets | 1.2435% | 2,190 |
| Return on Equity (ROE) | 38.4600% | 127 |
| Retained earnings to average equity (ytd only) | 25.5299% | 134 |
| Net charge-offs to loans | 0.0037% | 2,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,022.2857% | 155 |
| Efficiency ratio | 60.9069% | 2,856 |
| Assets per employee ($millions) | 6.4504% | 2,358 |
| Cash dividends to net income (ytd only)* | 33.6270% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5099% | 4,340 |
| Loan loss allowance to noncurrent loans | 1,406.3830% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,686 |
| Noncurrent loans to loans | 0.0363% | 3,507 |
| Net loans and leases to total assets | 35.0800% | 4,215 |
| Net loans and leases to deposits | 36.1151% | 4,293 |
| Net loans and leases to core deposits | 41.9235% | 4,217 |
| Total domestic deposits to total assets | 97.1300% | 50 |
| Equity capital to assets | 2.4559% | 4,522 |
| Core capital (leverage) ratio | 9.7879% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8867% | 633 |
| Memoranda: | ||
| Average total assets | $766,848,500 | 1,215 |
| Average earning assets | $736,028,750 | 1,183 |
| Average equity | $24,791,250 | 2,514 |
| Average total loans | $254,120,750 | 1,984 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 4,202 |
| Cost of funding earning assets | 0.7873% | 3,246 |
| Net interest margin | 2.8596% | 3,714 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 1.9157% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3044% | 1,560 |
| Return on assets (ROA) | 1.3034% | 1,545 |
| Pretax return on assets | 1.3034% | 2,074 |
| Return on Equity (ROE) | 37.4800% | 124 |
| Retained earnings to average equity (ytd only) | 20.6840% | 226 |
| Net charge-offs to loans | 0.0008% | 2,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 5,070.0000% | 15 |
| Efficiency ratio | 59.4919% | 3,021 |
| Assets per employee ($millions) | 6.4786% | 2,306 |
| Cash dividends to net income (ytd only)* | 44.8085% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 4,365 |
| Loan loss allowance to noncurrent loans | 800.0000% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,544 |
| Noncurrent loans to loans | 0.0650% | 3,240 |
| Net loans and leases to total assets | 33.7900% | 4,241 |
| Net loans and leases to deposits | 35.2480% | 4,310 |
| Net loans and leases to core deposits | 40.6533% | 4,247 |
| Total domestic deposits to total assets | 95.8700% | 60 |
| Equity capital to assets | 3.7878% | 4,522 |
| Core capital (leverage) ratio | 9.4248% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7237% | 658 |
| Memoranda: | ||
| Average total assets | $777,351,000 | 1,201 |
| Average earning assets | $746,615,333 | 1,170 |
| Average equity | $27,035,333 | 2,414 |
| Average total loans | $252,407,333 | 1,992 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,139 |
| Cost of funding earning assets | 0.6908% | 3,078 |
| Net interest margin | 2.9245% | 3,751 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.8672% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4066% | 1,390 |
| Return on assets (ROA) | 1.4097% | 1,354 |
| Pretax return on assets | 1.4097% | 1,863 |
| Return on Equity (ROE) | 42.3300% | 103 |
| Retained earnings to average equity (ytd only) | 9.8784% | 1,730 |
| Net charge-offs to loans | 0.0032% | 1,898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,389.5000% | 66 |
| Efficiency ratio | 57.0346% | 3,300 |
| Assets per employee ($millions) | 6.5701% | 2,289 |
| Cash dividends to net income (ytd only)* | 76.6607% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5252% | 4,422 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 3,892 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 32.4400% | 4,313 |
| Net loans and leases to deposits | 33.7008% | 4,385 |
| Net loans and leases to core deposits | 38.3971% | 4,311 |
| Total domestic deposits to total assets | 96.2600% | 42 |
| Equity capital to assets | 3.4357% | 4,577 |
| Core capital (leverage) ratio | 8.6953% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1943% | 722 |
| Memoranda: | ||
| Average total assets | $790,265,000 | 1,206 |
| Average earning assets | $759,092,500 | 1,170 |
| Average equity | $26,320,000 | 2,471 |
| Average total loans | $250,972,000 | 2,023 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1465% | 3,910 |
| Cost of funding earning assets | 0.2938% | 2,928 |
| Net interest margin | 2.8527% | 3,788 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 1.8140% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3915% | 1,152 |
| Return on assets (ROA) | 1.3851% | 1,124 |
| Pretax return on assets | 1.3851% | 1,807 |
| Return on Equity (ROE) | 29.6100% | 124 |
| Retained earnings to average equity (ytd only) | 16.6348% | 195 |
| Net charge-offs to loans | -0.0057% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.5896% | 3,518 |
| Assets per employee ($millions) | 7.1262% | 1,877 |
| Cash dividends to net income (ytd only)* | 43.8259% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5339% | 4,408 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,920 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 30.7700% | 4,373 |
| Net loans and leases to deposits | 32.7226% | 4,418 |
| Net loans and leases to core deposits | 36.9872% | 4,359 |
| Total domestic deposits to total assets | 94.0300% | 240 |
| Equity capital to assets | 3.2293% | 4,589 |
| Core capital (leverage) ratio | 9.2130% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1185% | 703 |
| Memoranda: | ||
| Average total assets | $731,418,400 | 1,270 |
| Average earning assets | $703,511,000 | 1,229 |
| Average equity | $34,211,400 | 2,145 |
| Average total loans | $247,340,800 | 1,958 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0858% | 3,705 |
| Cost of funding earning assets | 0.2311% | 2,914 |
| Net interest margin | 2.8546% | 3,608 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.8370% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3508% | 1,213 |
| Return on assets (ROA) | 1.3420% | 1,209 |
| Pretax return on assets | 1.3420% | 1,912 |
| Return on Equity (ROE) | 26.3800% | 152 |
| Retained earnings to average equity (ytd only) | 10.5559% | 1,178 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.6264% | 3,430 |
| Assets per employee ($millions) | 6.4218% | 2,390 |
| Cash dividends to net income (ytd only)* | 59.9916% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 4,432 |
| Loan loss allowance to noncurrent loans | 783.3333% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 3,577 |
| Noncurrent loans to loans | 0.0701% | 3,374 |
| Net loans and leases to total assets | 32.8600% | 4,341 |
| Net loans and leases to deposits | 33.6554% | 4,426 |
| Net loans and leases to core deposits | 38.4603% | 4,331 |
| Total domestic deposits to total assets | 97.6500% | 59 |
| Equity capital to assets | 2.1595% | 4,654 |
| Core capital (leverage) ratio | 9.1148% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0260% | 728 |
| Memoranda: | ||
| Average total assets | $712,958,750 | 1,305 |
| Average earning assets | $685,881,500 | 1,261 |
| Average equity | $36,263,250 | 2,098 |
| Average total loans | $246,900,000 | 1,959 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9969% | 3,568 |
| Cost of funding earning assets | 0.1996% | 2,918 |
| Net interest margin | 2.7973% | 3,456 |
| Noninterest income to average assets | 0.4230% | 2,611 |
| Noninterest expense to average assets | 1.8343% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2817% | 1,191 |
| Return on assets (ROA) | 1.2817% | 1,174 |
| Pretax return on assets | 1.2817% | 1,808 |
| Return on Equity (ROE) | 21.0632% | 242 |
| Retained earnings to average equity (ytd only) | 5.2032% | 2,633 |
| Net charge-offs to loans | 0.0040% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 908.4000% | 146 |
| Efficiency ratio | 58.8661% | 3,451 |
| Assets per employee ($millions) | 6.3413% | 2,445 |
| Cash dividends to net income (ytd only)* | 75.2972% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5403% | 4,513 |
| Loan loss allowance to noncurrent loans | 904.1379% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,325 |
| Noncurrent loans to loans | 0.0598% | 3,506 |
| Net loans and leases to total assets | 34.2855% | 4,321 |
| Net loans and leases to deposits | 35.6424% | 4,402 |
| Net loans and leases to core deposits | 41.0201% | 4,296 |
| Total domestic deposits to total assets | 96.1930% | 76 |
| Equity capital to assets | 3.5084% | 4,664 |
| Core capital (leverage) ratio | 9.2692% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6455% | 763 |
| Memoranda: | ||
| Average total assets | $708,723,333 | 1,307 |
| Average earning assets | $682,294,667 | 1,276 |
| Average equity | $43,127,333 | 1,886 |
| Average total loans | $249,269,333 | 1,946 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9300% | 3,456 |
| Cost of funding earning assets | 0.1951% | 2,864 |
| Net interest margin | 2.7350% | 3,326 |
| Noninterest income to average assets | 0.4027% | 2,674 |
| Noninterest expense to average assets | 1.8258% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2110% | 1,224 |
| Return on assets (ROA) | 1.2110% | 1,209 |
| Pretax return on assets | 1.2110% | 1,767 |
| Return on Equity (ROE) | 16.4529% | 486 |
| Retained earnings to average equity (ytd only) | -1.7729% | 4,228 |
| Net charge-offs to loans | 0.0048% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 717.6667% | 133 |
| Efficiency ratio | 60.1222% | 3,474 |
| Assets per employee ($millions) | 6.7539% | 2,185 |
| Cash dividends to net income (ytd only)* | 110.7757% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5393% | 4,550 |
| Loan loss allowance to noncurrent loans | 3,051.1628% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 3,568 |
| Noncurrent loans to loans | 0.0177% | 3,871 |
| Net loans and leases to total assets | 34.7823% | 4,271 |
| Net loans and leases to deposits | 37.5191% | 4,337 |
| Net loans and leases to core deposits | 42.6903% | 4,213 |
| Total domestic deposits to total assets | 92.7056% | 344 |
| Equity capital to assets | 6.1096% | 4,561 |
| Core capital (leverage) ratio | 8.0061% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2036% | 1,017 |
| Memoranda: | ||
| Average total assets | $711,142,000 | 1,306 |
| Average earning assets | $684,906,000 | 1,271 |
| Average equity | $52,343,500 | 1,666 |
| Average total loans | $252,583,000 | 1,923 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3174% | 3,154 |
| Cost of funding earning assets | 0.2154% | 3,313 |
| Net interest margin | 3.1020% | 2,895 |
| Noninterest income to average assets | 0.3966% | 3,066 |
| Noninterest expense to average assets | 1.8610% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5050% | 999 |
| Return on assets (ROA) | 1.5050% | 1,048 |
| Pretax return on assets | 1.5050% | 1,706 |
| Return on Equity (ROE) | 16.2144% | 718 |
| Retained earnings to average equity (ytd only) | 7.1309% | 1,868 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2884% | 3,786 |
| Assets per employee ($millions) | 6.7910% | 2,076 |
| Cash dividends to net income (ytd only)* | 56.0212% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5021% | 4,625 |
| Loan loss allowance to noncurrent loans | 3,371.7949% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,667 |
| Noncurrent loans to loans | 0.0149% | 3,979 |
| Net loans and leases to total assets | 35.8607% | 4,291 |
| Net loans and leases to deposits | 39.2759% | 4,359 |
| Net loans and leases to core deposits | 44.4419% | 4,252 |
| Total domestic deposits to total assets | 91.3045% | 387 |
| Equity capital to assets | 8.5581% | 4,011 |
| Core capital (leverage) ratio | 8.5327% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9387% | 1,051 |
| Memoranda: | ||
| Average total assets | $665,983,600 | 1,332 |
| Average earning assets | $637,524,800 | 1,309 |
| Average equity | $61,815,600 | 1,479 |
| Average total loans | $277,045,400 | 1,805 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 2,895 |
| Cost of funding earning assets | 0.2204% | 3,420 |
| Net interest margin | 3.2601% | 2,547 |
| Noninterest income to average assets | 0.3819% | 3,199 |
| Noninterest expense to average assets | 1.8833% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6102% | 1,012 |
| Return on assets (ROA) | 1.6102% | 1,052 |
| Pretax return on assets | 1.6102% | 1,667 |
| Return on Equity (ROE) | 16.9787% | 765 |
| Retained earnings to average equity (ytd only) | 5.1411% | 3,166 |
| Net charge-offs to loans | 0.0009% | 2,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3,930.0000% | 31 |
| Efficiency ratio | 53.9084% | 3,824 |
| Assets per employee ($millions) | 6.0358% | 2,660 |
| Cash dividends to net income (ytd only)* | 69.7201% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5115% | 4,695 |
| Loan loss allowance to noncurrent loans | 112.8866% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 2,691 |
| Noncurrent loans to loans | 0.4531% | 2,204 |
| Net loans and leases to total assets | 37.8043% | 4,311 |
| Net loans and leases to deposits | 42.8312% | 4,351 |
| Net loans and leases to core deposits | 49.1144% | 4,183 |
| Total domestic deposits to total assets | 88.2635% | 1,680 |
| Equity capital to assets | 9.2891% | 3,569 |
| Core capital (leverage) ratio | 8.3390% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8369% | 1,166 |
| Memoranda: | ||
| Average total assets | $650,820,250 | 1,375 |
| Average earning assets | $621,199,000 | 1,348 |
| Average equity | $61,723,000 | 1,499 |
| Average total loans | $280,833,750 | 1,820 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 2,469 |
| Cost of funding earning assets | 0.2243% | 3,521 |
| Net interest margin | 3.4256% | 2,076 |
| Noninterest income to average assets | 0.3761% | 3,240 |
| Noninterest expense to average assets | 1.8910% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7474% | 802 |
| Return on assets (ROA) | 1.7474% | 849 |
| Pretax return on assets | 1.7474% | 1,366 |
| Return on Equity (ROE) | 18.2936% | 618 |
| Retained earnings to average equity (ytd only) | 3.6437% | 3,635 |
| Net charge-offs to loans | 0.0028% | 2,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,403.2500% | 83 |
| Efficiency ratio | 51.9723% | 4,048 |
| Assets per employee ($millions) | 6.2926% | 2,340 |
| Cash dividends to net income (ytd only)* | 80.0820% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4884% | 4,743 |
| Loan loss allowance to noncurrent loans | 102.3401% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 2,575 |
| Noncurrent loans to loans | 0.4772% | 2,244 |
| Net loans and leases to total assets | 41.2481% | 4,225 |
| Net loans and leases to deposits | 46.9316% | 4,273 |
| Net loans and leases to core deposits | 54.2908% | 4,008 |
| Total domestic deposits to total assets | 87.8899% | 1,892 |
| Equity capital to assets | 9.6170% | 3,233 |
| Core capital (leverage) ratio | 8.7824% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7371% | 1,003 |
| Memoranda: | ||
| Average total assets | $642,423,667 | 1,383 |
| Average earning assets | $611,798,333 | 1,362 |
| Average equity | $61,365,667 | 1,498 |
| Average total loans | $288,820,000 | 1,790 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 2,271 |
| Cost of funding earning assets | 0.2233% | 3,697 |
| Net interest margin | 3.5120% | 1,794 |
| Noninterest income to average assets | 0.3540% | 3,317 |
| Noninterest expense to average assets | 1.8350% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8531% | 713 |
| Return on assets (ROA) | 1.8531% | 770 |
| Pretax return on assets | 1.8531% | 1,189 |
| Return on Equity (ROE) | 19.4668% | 575 |
| Retained earnings to average equity (ytd only) | 1.9907% | 4,008 |
| Net charge-offs to loans | 0.0054% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 740.7500% | 126 |
| Efficiency ratio | 49.7541% | 4,205 |
| Assets per employee ($millions) | 6.0993% | 2,495 |
| Cash dividends to net income (ytd only)* | 89.7739% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4332% | 4,809 |
| Loan loss allowance to noncurrent loans | 105.8918% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 2,540 |
| Noncurrent loans to loans | 0.4091% | 2,641 |
| Net loans and leases to total assets | 47.5370% | 3,855 |
| Net loans and leases to deposits | 53.9412% | 3,939 |
| Net loans and leases to core deposits | 62.0825% | 3,566 |
| Total domestic deposits to total assets | 88.1274% | 1,777 |
| Equity capital to assets | 9.2837% | 3,411 |
| Core capital (leverage) ratio | 8.4163% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1390% | 908 |
| Memoranda: | ||
| Average total assets | $639,567,500 | 1,376 |
| Average earning assets | $607,177,500 | 1,354 |
| Average equity | $60,883,000 | 1,501 |
| Average total loans | $298,902,000 | 1,757 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 3,516 |
| Cost of funding earning assets | 0.3084% | 4,096 |
| Net interest margin | 3.4152% | 2,729 |
| Noninterest income to average assets | 0.3590% | 3,315 |
| Noninterest expense to average assets | 1.9662% | 4,206 |
| Loan and lease loss provision to assets | 0.0530% | 3,714 |
| Net operating income to assets | 1.5911% | 654 |
| Return on assets (ROA) | 1.6506% | 617 |
| Pretax return on assets | 1.6506% | 952 |
| Return on Equity (ROE) | 16.7313% | 438 |
| Retained earnings to average equity (ytd only) | 9.9612% | 592 |
| Net charge-offs to loans | 0.1631% | 1,011 |
| Credit loss provision to net charge-offs | 67.0330% | 3,063 |
| Earnings coverage of net charge-offs (x) | 20.7758% | 1,926 |
| Efficiency ratio | 54.4609% | 4,162 |
| Assets per employee ($millions) | 6.4481% | 1,955 |
| Cash dividends to net income (ytd only)* | 40.4636% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4462% | 4,824 |
| Loan loss allowance to noncurrent loans | 109.5754% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 2,429 |
| Noncurrent loans to loans | 0.4072% | 2,754 |
| Net loans and leases to total assets | 45.5385% | 4,157 |
| Net loans and leases to deposits | 51.8915% | 4,219 |
| Net loans and leases to core deposits | 59.1273% | 3,995 |
| Total domestic deposits to total assets | 87.7572% | 1,583 |
| Equity capital to assets | 9.7512% | 3,366 |
| Core capital (leverage) ratio | 8.9860% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,955,600 | 1,384 |
| Average earning assets | $547,373,800 | 1,356 |
| Average equity | $56,720,000 | 1,508 |
| Average total loans | $278,918,800 | 1,778 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 3,508 |
| Cost of funding earning assets | 0.3347% | 4,128 |
| Net interest margin | 3.4836% | 2,644 |
| Noninterest income to average assets | 0.3724% | 3,220 |
| Noninterest expense to average assets | 2.0152% | 4,117 |
| Loan and lease loss provision to assets | 0.0633% | 3,549 |
| Net operating income to assets | 1.6270% | 680 |
| Return on assets (ROA) | 1.7088% | 628 |
| Pretax return on assets | 1.7088% | 954 |
| Return on Equity (ROE) | 17.2640% | 420 |
| Retained earnings to average equity (ytd only) | 8.3119% | 1,206 |
| Net charge-offs to loans | 0.2144% | 712 |
| Credit loss provision to net charge-offs | 59.9548% | 2,854 |
| Earnings coverage of net charge-offs (x) | 15.9910% | 2,075 |
| Efficiency ratio | 54.3823% | 4,106 |
| Assets per employee ($millions) | 5.8408% | 2,407 |
| Cash dividends to net income (ytd only)* | 51.8544% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4145% | 4,873 |
| Loan loss allowance to noncurrent loans | 102.0586% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 2,029 |
| Noncurrent loans to loans | 0.4062% | 2,838 |
| Net loans and leases to total assets | 53.0163% | 3,887 |
| Net loans and leases to deposits | 60.9864% | 3,994 |
| Net loans and leases to core deposits | 70.3206% | 3,607 |
| Total domestic deposits to total assets | 86.9313% | 1,694 |
| Equity capital to assets | 10.1798% | 3,084 |
| Core capital (leverage) ratio | 8.5978% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $557,492,000 | 1,405 |
| Average earning assets | $533,420,250 | 1,368 |
| Average equity | $55,180,750 | 1,542 |
| Average total loans | $274,910,250 | 1,791 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 2,310 |
| Cost of funding earning assets | 0.3610% | 4,222 |
| Net interest margin | 4.0007% | 1,322 |
| Noninterest income to average assets | 0.3631% | 3,309 |
| Noninterest expense to average assets | 2.0622% | 4,110 |
| Loan and lease loss provision to assets | 0.0966% | 3,066 |
| Net operating income to assets | 2.0305% | 313 |
| Return on assets (ROA) | 2.1669% | 256 |
| Pretax return on assets | 2.1669% | 380 |
| Return on Equity (ROE) | 21.9749% | 168 |
| Retained earnings to average equity (ytd only) | 12.4737% | 402 |
| Net charge-offs to loans | 0.0327% | 2,078 |
| Credit loss provision to net charge-offs | 616.2791% | 1,089 |
| Earnings coverage of net charge-offs (x) | 135.6977% | 567 |
| Efficiency ratio | 49.2255% | 4,548 |
| Assets per employee ($millions) | 5.9083% | 2,264 |
| Cash dividends to net income (ytd only)* | 43.2369% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5466% | 4,793 |
| Loan loss allowance to noncurrent loans | 72.7586% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 1,669 |
| Noncurrent loans to loans | 0.7512% | 2,002 |
| Net loans and leases to total assets | 52.5118% | 3,991 |
| Net loans and leases to deposits | 60.7805% | 4,082 |
| Net loans and leases to core deposits | 70.2783% | 3,684 |
| Total domestic deposits to total assets | 86.3957% | 1,846 |
| Equity capital to assets | 10.0667% | 3,149 |
| Core capital (leverage) ratio | 8.7165% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $548,630,333 | 1,396 |
| Average earning assets | $524,701,667 | 1,362 |
| Average equity | $54,098,000 | 1,553 |
| Average total loans | $262,898,667 | 1,832 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,276 |
| Cost of funding earning assets | 0.4201% | 4,285 |
| Net interest margin | 3.3447% | 3,468 |
| Noninterest income to average assets | 0.3725% | 3,283 |
| Noninterest expense to average assets | 2.0887% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4839% | 814 |
| Return on assets (ROA) | 1.5050% | 846 |
| Pretax return on assets | 1.5050% | 1,292 |
| Return on Equity (ROE) | 15.4411% | 494 |
| Retained earnings to average equity (ytd only) | 2.0191% | 3,441 |
| Net charge-offs to loans | 0.0700% | 1,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 46.8571% | 943 |
| Efficiency ratio | 58.4635% | 3,942 |
| Assets per employee ($millions) | 5.2814% | 2,348 |
| Cash dividends to net income (ytd only)* | 86.9238% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 4,788 |
| Loan loss allowance to noncurrent loans | 73.3883% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 1,783 |
| Noncurrent loans to loans | 0.7903% | 2,034 |
| Net loans and leases to total assets | 46.1889% | 4,416 |
| Net loans and leases to deposits | 53.4658% | 4,467 |
| Net loans and leases to core deposits | 61.9898% | 4,270 |
| Total domestic deposits to total assets | 86.3895% | 1,830 |
| Equity capital to assets | 10.1882% | 3,611 |
| Core capital (leverage) ratio | 9.0265% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $530,485,500 | 1,396 |
| Average earning assets | $507,550,000 | 1,357 |
| Average equity | $51,706,000 | 1,607 |
| Average total loans | $239,928,000 | 1,928 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 4,494 |
| Cost of funding earning assets | 0.5188% | 4,004 |
| Net interest margin | 3.3413% | 3,892 |
| Noninterest income to average assets | 0.4942% | 2,773 |
| Noninterest expense to average assets | 2.1291% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5353% | 972 |
| Return on assets (ROA) | 1.5477% | 1,003 |
| Pretax return on assets | 1.5477% | 1,664 |
| Return on Equity (ROE) | 17.6817% | 366 |
| Retained earnings to average equity (ytd only) | 5.9154% | 1,911 |
| Net charge-offs to loans | 0.0205% | 3,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 171.2609% | 444 |
| Efficiency ratio | 58.1024% | 3,946 |
| Assets per employee ($millions) | 5.3283% | 2,218 |
| Cash dividends to net income (ytd only)* | 66.5450% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6252% | 4,699 |
| Loan loss allowance to noncurrent loans | 56.8658% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 1,824 |
| Noncurrent loans to loans | 1.0994% | 1,372 |
| Net loans and leases to total assets | 43.7334% | 4,615 |
| Net loans and leases to deposits | 48.2677% | 4,736 |
| Net loans and leases to core deposits | 55.4366% | 4,608 |
| Total domestic deposits to total assets | 90.6059% | 178 |
| Equity capital to assets | 9.3095% | 4,484 |
| Core capital (leverage) ratio | 9.3962% | 4,173 |
| Tier 1 risk-based capital ratio | 18.1530% | 1,727 |
| Total risk-based capital ratio | 18.7211% | 1,856 |
| Memoranda: | ||
| Average total assets | $513,133,000 | 1,393 |
| Average earning assets | $486,846,400 | 1,361 |
| Average equity | $44,916,400 | 1,759 |
| Average total loans | $224,294,600 | 1,998 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 4,523 |
| Cost of funding earning assets | 0.5430% | 3,971 |
| Net interest margin | 3.3678% | 3,944 |
| Noninterest income to average assets | 0.4914% | 2,786 |
| Noninterest expense to average assets | 2.0975% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5815% | 975 |
| Return on assets (ROA) | 1.5983% | 979 |
| Pretax return on assets | 1.5983% | 1,641 |
| Return on Equity (ROE) | 18.5680% | 346 |
| Retained earnings to average equity (ytd only) | 3.6331% | 3,587 |
| Net charge-offs to loans | -0.0072% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0135% | 4,062 |
| Assets per employee ($millions) | 5.0661% | 2,478 |
| Cash dividends to net income (ytd only)* | 80.4334% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6787% | 4,689 |
| Loan loss allowance to noncurrent loans | 222.9532% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 3,353 |
| Noncurrent loans to loans | 0.3044% | 3,443 |
| Net loans and leases to total assets | 44.9504% | 4,658 |
| Net loans and leases to deposits | 49.9070% | 4,775 |
| Net loans and leases to core deposits | 57.6924% | 4,629 |
| Total domestic deposits to total assets | 90.0684% | 271 |
| Equity capital to assets | 9.7463% | 4,251 |
| Core capital (leverage) ratio | 9.0539% | 4,594 |
| Tier 1 risk-based capital ratio | 19.2726% | 1,514 |
| Total risk-based capital ratio | 19.9202% | 1,614 |
| Memoranda: | ||
| Average total assets | $508,208,000 | 1,410 |
| Average earning assets | $481,012,000 | 1,381 |
| Average equity | $43,744,500 | 1,809 |
| Average total loans | $221,745,250 | 2,029 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 4,544 |
| Cost of funding earning assets | 0.5453% | 3,906 |
| Net interest margin | 3.3605% | 4,009 |
| Noninterest income to average assets | 0.4761% | 2,804 |
| Noninterest expense to average assets | 2.0167% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6313% | 848 |
| Return on assets (ROA) | 1.6313% | 885 |
| Pretax return on assets | 1.6313% | 1,454 |
| Return on Equity (ROE) | 19.7978% | 270 |
| Retained earnings to average equity (ytd only) | 3.4458% | 3,514 |
| Net charge-offs to loans | 0.0018% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2,088.5000% | 28 |
| Efficiency ratio | 55.2832% | 4,341 |
| Assets per employee ($millions) | 5.3842% | 2,065 |
| Cash dividends to net income (ytd only)* | 82.5952% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6690% | 4,759 |
| Loan loss allowance to noncurrent loans | 164.3090% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 3,685 |
| Noncurrent loans to loans | 0.4072% | 3,075 |
| Net loans and leases to total assets | 44.7727% | 4,688 |
| Net loans and leases to deposits | 50.0520% | 4,804 |
| Net loans and leases to core deposits | 57.8212% | 4,653 |
| Total domestic deposits to total assets | 89.4523% | 492 |
| Equity capital to assets | 9.4263% | 4,477 |
| Core capital (leverage) ratio | 8.9643% | 4,654 |
| Tier 1 risk-based capital ratio | 18.4740% | 1,675 |
| Total risk-based capital ratio | 19.0951% | 1,798 |
| Memoranda: | ||
| Average total assets | $512,119,330 | 1,397 |
| Average earning assets | $483,384,670 | 1,377 |
| Average equity | $42,196,670 | 1,854 |
| Average total loans | $220,763,000 | 2,042 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 4,629 |
| Cost of funding earning assets | 0.5128% | 4,006 |
| Net interest margin | 3.3367% | 4,070 |
| Noninterest income to average assets | 0.4666% | 2,756 |
| Noninterest expense to average assets | 2.0223% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5759% | 944 |
| Return on assets (ROA) | 1.5759% | 971 |
| Pretax return on assets | 1.5759% | 1,529 |
| Return on Equity (ROE) | 20.5567% | 236 |
| Retained earnings to average equity (ytd only) | 4.9376% | 2,931 |
| Net charge-offs to loans | -0.0147% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2044% | 4,305 |
| Assets per employee ($millions) | 5.2715% | 2,200 |
| Cash dividends to net income (ytd only)* | 75.9804% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 4,806 |
| Loan loss allowance to noncurrent loans | 213.6236% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 3,881 |
| Noncurrent loans to loans | 0.3189% | 3,425 |
| Net loans and leases to total assets | 44.2759% | 4,737 |
| Net loans and leases to deposits | 48.3531% | 4,872 |
| Net loans and leases to core deposits | 55.6505% | 4,731 |
| Total domestic deposits to total assets | 91.5678% | 92 |
| Equity capital to assets | 8.3338% | 5,070 |
| Core capital (leverage) ratio | 8.8801% | 4,735 |
| Tier 1 risk-based capital ratio | 18.4114% | 1,683 |
| Total risk-based capital ratio | 19.0381% | 1,814 |
| Memoranda: | ||
| Average total assets | $517,815,500 | 1,392 |
| Average earning assets | $485,984,000 | 1,377 |
| Average equity | $39,695,000 | 1,933 |
| Average total loans | $218,295,000 | 2,074 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 4,751 |
| Cost of funding earning assets | 0.4084% | 3,935 |
| Net interest margin | 3.2359% | 4,415 |
| Noninterest income to average assets | 0.5034% | 2,822 |
| Noninterest expense to average assets | 2.0476% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5231% | 1,062 |
| Return on assets (ROA) | 1.5231% | 1,043 |
| Pretax return on assets | 1.5231% | 1,701 |
| Return on Equity (ROE) | 21.7515% | 163 |
| Retained earnings to average equity (ytd only) | 11.5966% | 365 |
| Net charge-offs to loans | 0.0481% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 77.2857% | 875 |
| Efficiency ratio | 57.3440% | 4,235 |
| Assets per employee ($millions) | 5.5712% | 1,895 |
| Cash dividends to net income (ytd only)* | 46.6860% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 4,789 |
| Loan loss allowance to noncurrent loans | 6,052.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,537 |
| Noncurrent loans to loans | 0.0117% | 4,750 |
| Net loans and leases to total assets | 39.6056% | 4,962 |
| Net loans and leases to deposits | 42.6363% | 5,061 |
| Net loans and leases to core deposits | 47.6506% | 4,993 |
| Total domestic deposits to total assets | 92.8917% | 38 |
| Equity capital to assets | 7.0404% | 5,330 |
| Core capital (leverage) ratio | 9.1282% | 4,533 |
| Tier 1 risk-based capital ratio | 17.7621% | 1,826 |
| Total risk-based capital ratio | 18.3702% | 1,970 |
| Memoranda: | ||
| Average total assets | $497,266,000 | 1,414 |
| Average earning assets | $471,374,200 | 1,384 |
| Average equity | $34,820,600 | 2,083 |
| Average total loans | $203,849,800 | 2,146 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 4,798 |
| Cost of funding earning assets | 0.4007% | 3,853 |
| Net interest margin | 3.2032% | 4,506 |
| Noninterest income to average assets | 0.5171% | 2,759 |
| Noninterest expense to average assets | 2.0781% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4979% | 1,199 |
| Return on assets (ROA) | 1.4979% | 1,195 |
| Pretax return on assets | 1.4979% | 1,904 |
| Return on Equity (ROE) | 21.4230% | 191 |
| Retained earnings to average equity (ytd only) | 8.1885% | 1,565 |
| Net charge-offs to loans | 0.0218% | 2,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 166.0868% | 499 |
| Efficiency ratio | 58.1123% | 4,105 |
| Assets per employee ($millions) | 4.9676% | 2,508 |
| Cash dividends to net income (ytd only)* | 61.7770% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 4,728 |
| Loan loss allowance to noncurrent loans | 306.2136% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 3,784 |
| Noncurrent loans to loans | 0.2488% | 3,798 |
| Net loans and leases to total assets | 42.6348% | 4,927 |
| Net loans and leases to deposits | 45.9572% | 5,054 |
| Net loans and leases to core deposits | 54.7376% | 4,885 |
| Total domestic deposits to total assets | 92.7706% | 47 |
| Equity capital to assets | 6.8303% | 5,408 |
| Core capital (leverage) ratio | 8.6863% | 4,965 |
| Tier 1 risk-based capital ratio | 17.0336% | 2,099 |
| Total risk-based capital ratio | 17.6694% | 2,236 |
| Memoranda: | ||
| Average total assets | $487,872,750 | 1,447 |
| Average earning assets | $465,893,750 | 1,403 |
| Average equity | $34,112,000 | 2,111 |
| Average total loans | $201,477,500 | 2,172 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5228% | 4,893 |
| Cost of funding earning assets | 0.3861% | 3,830 |
| Net interest margin | 3.1367% | 4,647 |
| Noninterest income to average assets | 0.5034% | 2,839 |
| Noninterest expense to average assets | 2.0928% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4057% | 1,419 |
| Return on assets (ROA) | 1.4057% | 1,419 |
| Pretax return on assets | 1.4057% | 2,122 |
| Return on Equity (ROE) | 19.9525% | 271 |
| Retained earnings to average equity (ytd only) | 4.3000% | 3,453 |
| Net charge-offs to loans | 0.0170% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 202.5294% | 418 |
| Efficiency ratio | 59.8203% | 3,963 |
| Assets per employee ($millions) | 5.0340% | 2,376 |
| Cash dividends to net income (ytd only)* | 78.4490% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 4,756 |
| Loan loss allowance to noncurrent loans | 282.9485% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,642 |
| Noncurrent loans to loans | 0.2752% | 3,724 |
| Net loans and leases to total assets | 41.5706% | 5,000 |
| Net loans and leases to deposits | 44.6806% | 5,129 |
| Net loans and leases to core deposits | 52.8196% | 4,965 |
| Total domestic deposits to total assets | 93.0396% | 31 |
| Equity capital to assets | 6.8232% | 5,463 |
| Core capital (leverage) ratio | 8.3590% | 5,188 |
| Tier 1 risk-based capital ratio | 17.0654% | 2,079 |
| Total risk-based capital ratio | 17.7302% | 2,209 |
| Memoranda: | ||
| Average total assets | $489,878,670 | 1,442 |
| Average earning assets | $467,759,000 | 1,398 |
| Average equity | $34,512,000 | 2,105 |
| Average total loans | $199,631,670 | 2,192 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3989% | 5,026 |
| Cost of funding earning assets | 0.3665% | 3,864 |
| Net interest margin | 3.0324% | 4,827 |
| Noninterest income to average assets | 0.4867% | 2,887 |
| Noninterest expense to average assets | 2.0307% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3500% | 1,481 |
| Return on assets (ROA) | 1.3500% | 1,493 |
| Pretax return on assets | 1.3500% | 2,186 |
| Return on Equity (ROE) | 18.8670% | 328 |
| Retained earnings to average equity (ytd only) | 1.7773% | 4,423 |
| Net charge-offs to loans | 0.0041% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 828.0000% | 80 |
| Efficiency ratio | 60.0675% | 4,058 |
| Assets per employee ($millions) | 5.0743% | 2,398 |
| Cash dividends to net income (ytd only)* | 90.5797% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 4,780 |
| Loan loss allowance to noncurrent loans | 172.1627% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 2,956 |
| Noncurrent loans to loans | 0.4679% | 3,127 |
| Net loans and leases to total assets | 40.6474% | 5,042 |
| Net loans and leases to deposits | 43.6690% | 5,167 |
| Net loans and leases to core deposits | 51.6651% | 4,992 |
| Total domestic deposits to total assets | 93.0807% | 40 |
| Equity capital to assets | 6.8361% | 5,525 |
| Core capital (leverage) ratio | 8.3841% | 5,215 |
| Tier 1 risk-based capital ratio | 16.9196% | 2,138 |
| Total risk-based capital ratio | 17.5945% | 2,284 |
| Memoranda: | ||
| Average total assets | $490,667,000 | 1,445 |
| Average earning assets | $468,274,500 | 1,410 |
| Average equity | $35,109,000 | 2,094 |
| Average total loans | $197,156,000 | 2,215 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3924% | 4,954 |
| Cost of funding earning assets | 0.3231% | 3,925 |
| Net interest margin | 3.0693% | 4,745 |
| Noninterest income to average assets | 0.3798% | 3,763 |
| Noninterest expense to average assets | 2.1129% | 4,734 |
| Loan and lease loss provision to assets | 0.0179% | 3,942 |
| Net operating income to assets | 1.1569% | 1,658 |
| Return on assets (ROA) | 1.1765% | 1,613 |
| Pretax return on assets | 1.1765% | 2,865 |
| Return on Equity (ROE) | 15.3921% | 561 |
| Retained earnings to average equity (ytd only) | 5.5404% | 1,798 |
| Net charge-offs to loans | -0.0984% | 5,371 |
| Credit loss provision to net charge-offs | -43.9791% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2672% | 3,567 |
| Assets per employee ($millions) | 4.9919% | 2,485 |
| Cash dividends to net income (ytd only)* | 64.0051% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 4,749 |
| Loan loss allowance to noncurrent loans | 186.5585% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 3,143 |
| Noncurrent loans to loans | 0.4433% | 3,191 |
| Net loans and leases to total assets | 39.0706% | 5,172 |
| Net loans and leases to deposits | 42.2732% | 5,287 |
| Net loans and leases to core deposits | 49.3921% | 5,154 |
| Total domestic deposits to total assets | 92.4240% | 53 |
| Equity capital to assets | 7.4700% | 5,541 |
| Core capital (leverage) ratio | 8.8137% | 4,848 |
| Tier 1 risk-based capital ratio | 17.7459% | 1,874 |
| Total risk-based capital ratio | 18.4574% | 1,980 |
| Memoranda: | ||
| Average total assets | $469,443,200 | 1,478 |
| Average earning assets | $444,761,600 | 1,452 |
| Average equity | $35,882,000 | 2,030 |
| Average total loans | $194,044,000 | 2,209 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 4,942 |
| Cost of funding earning assets | 0.3161% | 3,971 |
| Net interest margin | 3.0990% | 4,716 |
| Noninterest income to average assets | 0.3094% | 4,311 |
| Noninterest expense to average assets | 2.0976% | 4,738 |
| Loan and lease loss provision to assets | 0.0242% | 3,660 |
| Net operating income to assets | 1.1219% | 1,985 |
| Return on assets (ROA) | 1.1484% | 1,937 |
| Pretax return on assets | 1.1484% | 3,123 |
| Return on Equity (ROE) | 14.9337% | 658 |
| Retained earnings to average equity (ytd only) | 1.8340% | 4,698 |
| Net charge-offs to loans | -0.1258% | 5,442 |
| Credit loss provision to net charge-offs | -45.9016% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6673% | 3,425 |
| Assets per employee ($millions) | 4.5899% | 2,990 |
| Cash dividends to net income (ytd only)* | 87.7192% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 4,886 |
| Loan loss allowance to noncurrent loans | 222.8095% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 3,145 |
| Noncurrent loans to loans | 0.3598% | 3,663 |
| Net loans and leases to total assets | 43.1844% | 5,066 |
| Net loans and leases to deposits | 47.7916% | 5,191 |
| Net loans and leases to core deposits | 56.6752% | 4,962 |
| Total domestic deposits to total assets | 90.3597% | 365 |
| Equity capital to assets | 8.1564% | 5,456 |
| Core capital (leverage) ratio | 8.5279% | 5,227 |
| Tier 1 risk-based capital ratio | 17.1876% | 2,103 |
| Total risk-based capital ratio | 17.8999% | 2,221 |
| Memoranda: | ||
| Average total assets | $463,253,250 | 1,510 |
| Average earning assets | $438,624,500 | 1,484 |
| Average equity | $35,623,250 | 2,049 |
| Average total loans | $193,880,500 | 2,221 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 4,975 |
| Cost of funding earning assets | 0.3052% | 4,032 |
| Net interest margin | 3.0932% | 4,705 |
| Noninterest income to average assets | 0.3159% | 4,282 |
| Noninterest expense to average assets | 2.0539% | 4,870 |
| Loan and lease loss provision to assets | 0.0362% | 3,283 |
| Net operating income to assets | 1.1483% | 1,783 |
| Return on assets (ROA) | 1.1879% | 1,668 |
| Pretax return on assets | 1.1879% | 2,811 |
| Return on Equity (ROE) | 15.7630% | 561 |
| Retained earnings to average equity (ytd only) | -1.0851% | 5,245 |
| Net charge-offs to loans | 0.0094% | 3,130 |
| Credit loss provision to net charge-offs | 933.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 305.7778% | 276 |
| Efficiency ratio | 63.4237% | 3,774 |
| Assets per employee ($millions) | 4.4752% | 3,149 |
| Cash dividends to net income (ytd only)* | 106.8841% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 5,165 |
| Loan loss allowance to noncurrent loans | 184.0731% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 2,978 |
| Noncurrent loans to loans | 0.3903% | 3,623 |
| Net loans and leases to total assets | 43.1058% | 5,096 |
| Net loans and leases to deposits | 47.0076% | 5,249 |
| Net loans and leases to core deposits | 55.8322% | 4,998 |
| Total domestic deposits to total assets | 91.6997% | 103 |
| Equity capital to assets | 8.1804% | 5,456 |
| Core capital (leverage) ratio | 8.2909% | 5,364 |
| Tier 1 risk-based capital ratio | 16.8989% | 2,178 |
| Total risk-based capital ratio | 17.5263% | 2,345 |
| Memoranda: | ||
| Average total assets | $464,674,330 | 1,507 |
| Average earning assets | $439,021,000 | 1,487 |
| Average equity | $35,018,670 | 2,074 |
| Average total loans | $191,902,670 | 2,243 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1928% | 5,257 |
| Cost of funding earning assets | 0.2717% | 4,339 |
| Net interest margin | 2.9211% | 5,047 |
| Noninterest income to average assets | 0.3745% | 3,844 |
| Noninterest expense to average assets | 1.9999% | 5,052 |
| Loan and lease loss provision to assets | 0.0679% | 2,454 |
| Net operating income to assets | 1.0547% | 2,053 |
| Return on assets (ROA) | 1.1252% | 1,807 |
| Pretax return on assets | 1.1252% | 2,886 |
| Return on Equity (ROE) | 15.5697% | 581 |
| Retained earnings to average equity (ytd only) | -7.9317% | 5,521 |
| Net charge-offs to loans | 0.2424% | 739 |
| Credit loss provision to net charge-offs | 69.5652% | 1,840 |
| Earnings coverage of net charge-offs (x) | 11.4957% | 1,887 |
| Efficiency ratio | 64.0468% | 3,826 |
| Assets per employee ($millions) | 4.7926% | 2,709 |
| Cash dividends to net income (ytd only)* | 150.9434% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 5,331 |
| Loan loss allowance to noncurrent loans | 80.2965% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 3,094 |
| Noncurrent loans to loans | 0.8563% | 2,318 |
| Net loans and leases to total assets | 41.2431% | 5,195 |
| Net loans and leases to deposits | 44.6052% | 5,351 |
| Net loans and leases to core deposits | 51.9706% | 5,144 |
| Total domestic deposits to total assets | 92.4625% | 63 |
| Equity capital to assets | 7.4301% | 5,694 |
| Core capital (leverage) ratio | 8.1512% | 5,478 |
| Tier 1 risk-based capital ratio | 18.1193% | 1,828 |
| Total risk-based capital ratio | 18.7475% | 1,986 |
| Memoranda: | ||
| Average total assets | $471,014,000 | 1,499 |
| Average earning assets | $443,116,000 | 1,474 |
| Average equity | $34,040,500 | 2,148 |
| Average total loans | $189,731,000 | 2,276 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2394% | 5,249 |
| Cost of funding earning assets | 0.2494% | 4,572 |
| Net interest margin | 2.9900% | 4,976 |
| Noninterest income to average assets | 0.4784% | 3,357 |
| Noninterest expense to average assets | 2.1215% | 4,965 |
| Loan and lease loss provision to assets | 0.1386% | 1,797 |
| Net operating income to assets | 1.0396% | 2,190 |
| Return on assets (ROA) | 1.0567% | 2,210 |
| Pretax return on assets | 1.0567% | 3,274 |
| Return on Equity (ROE) | 12.5942% | 1,094 |
| Retained earnings to average equity (ytd only) | 5.3382% | 2,108 |
| Net charge-offs to loans | 0.1227% | 2,034 |
| Credit loss provision to net charge-offs | 273.0942% | 1,058 |
| Earnings coverage of net charge-offs (x) | 23.2152% | 1,697 |
| Efficiency ratio | 64.2941% | 3,885 |
| Assets per employee ($millions) | 5.2905% | 2,071 |
| Cash dividends to net income (ytd only)* | 57.6136% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 5,355 |
| Loan loss allowance to noncurrent loans | 49.2802% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 2,562 |
| Noncurrent loans to loans | 1.4229% | 1,429 |
| Net loans and leases to total assets | 38.8404% | 5,367 |
| Net loans and leases to deposits | 41.8019% | 5,499 |
| Net loans and leases to core deposits | 46.0094% | 5,432 |
| Total domestic deposits to total assets | 92.9154% | 43 |
| Equity capital to assets | 7.0372% | 5,792 |
| Core capital (leverage) ratio | 8.7351% | 5,036 |
| Tier 1 risk-based capital ratio | 19.4776% | 1,484 |
| Total risk-based capital ratio | 20.1589% | 1,588 |
| Memoranda: | ||
| Average total assets | $439,404,400 | 1,543 |
| Average earning assets | $414,618,400 | 1,514 |
| Average equity | $36,866,200 | 1,985 |
| Average total loans | $181,758,600 | 2,295 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2863% | 5,233 |
| Cost of funding earning assets | 0.2518% | 4,587 |
| Net interest margin | 3.0346% | 4,940 |
| Noninterest income to average assets | 0.4849% | 3,354 |
| Noninterest expense to average assets | 2.1551% | 4,881 |
| Loan and lease loss provision to assets | 0.1768% | 1,268 |
| Net operating income to assets | 1.0281% | 2,304 |
| Return on assets (ROA) | 1.0509% | 2,323 |
| Pretax return on assets | 1.0509% | 3,426 |
| Return on Equity (ROE) | 11.9756% | 1,333 |
| Retained earnings to average equity (ytd only) | 2.4697% | 4,442 |
| Net charge-offs to loans | 0.1366% | 1,615 |
| Credit loss provision to net charge-offs | 308.1522% | 1,010 |
| Earnings coverage of net charge-offs (x) | 20.9998% | 1,837 |
| Efficiency ratio | 64.1392% | 3,910 |
| Assets per employee ($millions) | 4.6247% | 2,882 |
| Cash dividends to net income (ytd only)* | 79.3769% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 5,417 |
| Loan loss allowance to noncurrent loans | 132.9341% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 3,804 |
| Noncurrent loans to loans | 0.5311% | 3,403 |
| Net loans and leases to total assets | 43.0947% | 5,249 |
| Net loans and leases to deposits | 47.3768% | 5,396 |
| Net loans and leases to core deposits | 52.9025% | 5,270 |
| Total domestic deposits to total assets | 90.9617% | 201 |
| Equity capital to assets | 8.8804% | 5,259 |
| Core capital (leverage) ratio | 8.6879% | 5,163 |
| Tier 1 risk-based capital ratio | 17.0471% | 2,210 |
| Total risk-based capital ratio | 17.6626% | 2,403 |
| Memoranda: | ||
| Average total assets | $427,573,000 | 1,589 |
| Average earning assets | $405,101,000 | 1,545 |
| Average equity | $37,519,750 | 1,963 |
| Average total loans | $179,602,500 | 2,316 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2989% | 5,287 |
| Cost of funding earning assets | 0.2502% | 4,654 |
| Net interest margin | 3.0486% | 4,980 |
| Noninterest income to average assets | 0.4850% | 3,302 |
| Noninterest expense to average assets | 2.1896% | 4,865 |
| Loan and lease loss provision to assets | 0.2291% | 887 |
| Net operating income to assets | 0.9544% | 2,608 |
| Return on assets (ROA) | 0.9746% | 2,645 |
| Pretax return on assets | 0.9746% | 3,679 |
| Return on Equity (ROE) | 11.1524% | 1,591 |
| Retained earnings to average equity (ytd only) | 0.9258% | 5,023 |
| Net charge-offs to loans | 0.1914% | 1,197 |
| Credit loss provision to net charge-offs | 288.1657% | 993 |
| Earnings coverage of net charge-offs (x) | 14.8876% | 2,030 |
| Efficiency ratio | 64.9142% | 3,860 |
| Assets per employee ($millions) | 4.3722% | 3,268 |
| Cash dividends to net income (ytd only)* | 91.6988% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6928% | 5,537 |
| Loan loss allowance to noncurrent loans | 1,005.5556% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 4,701 |
| Noncurrent loans to loans | 0.0689% | 5,174 |
| Net loans and leases to total assets | 44.1894% | 5,217 |
| Net loans and leases to deposits | 48.8175% | 5,389 |
| Net loans and leases to core deposits | 54.8440% | 5,233 |
| Total domestic deposits to total assets | 90.5194% | 312 |
| Equity capital to assets | 9.3640% | 4,901 |
| Core capital (leverage) ratio | 8.6891% | 5,180 |
| Tier 1 risk-based capital ratio | 17.4062% | 2,095 |
| Total risk-based capital ratio | 18.0125% | 2,275 |
| Memoranda: | ||
| Average total assets | $425,191,000 | 1,596 |
| Average earning assets | $402,806,330 | 1,562 |
| Average equity | $37,158,000 | 1,987 |
| Average total loans | $176,579,000 | 2,347 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2459% | 5,418 |
| Cost of funding earning assets | 0.2520% | 4,684 |
| Net interest margin | 2.9939% | 5,133 |
| Noninterest income to average assets | 0.4571% | 3,434 |
| Noninterest expense to average assets | 2.1856% | 4,934 |
| Loan and lease loss provision to assets | 0.0416% | 3,092 |
| Net operating income to assets | 1.0659% | 2,027 |
| Return on assets (ROA) | 1.0845% | 2,069 |
| Pretax return on assets | 1.0845% | 3,152 |
| Return on Equity (ROE) | 12.8458% | 1,068 |
| Retained earnings to average equity (ytd only) | -6.3352% | 5,684 |
| Net charge-offs to loans | -0.0600% | 5,413 |
| Credit loss provision to net charge-offs | -173.0769% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3670% | 3,742 |
| Assets per employee ($millions) | 4.4719% | 3,123 |
| Cash dividends to net income (ytd only)* | 149.3174% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5822% | 5,769 |
| Loan loss allowance to noncurrent loans | 95.1447% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 3,928 |
| Noncurrent loans to loans | 0.6119% | 3,340 |
| Net loans and leases to total assets | 41.3967% | 5,380 |
| Net loans and leases to deposits | 45.3997% | 5,543 |
| Net loans and leases to core deposits | 50.8429% | 5,411 |
| Total domestic deposits to total assets | 91.1827% | 222 |
| Equity capital to assets | 8.7162% | 5,408 |
| Core capital (leverage) ratio | 8.2395% | 5,619 |
| Tier 1 risk-based capital ratio | 17.2130% | 2,207 |
| Total risk-based capital ratio | 17.7054% | 2,449 |
| Memoranda: | ||
| Average total assets | $432,292,500 | 1,574 |
| Average earning assets | $409,503,500 | 1,535 |
| Average equity | $36,494,500 | 2,013 |
| Average total loans | $173,428,500 | 2,374 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2220% | 5,487 |
| Cost of funding earning assets | 0.2221% | 5,075 |
| Net interest margin | 2.9999% | 5,137 |
| Noninterest income to average assets | 0.4852% | 3,432 |
| Noninterest expense to average assets | 2.2239% | 4,993 |
| Loan and lease loss provision to assets | 0.1922% | 1,150 |
| Net operating income to assets | 0.9241% | 2,733 |
| Return on assets (ROA) | 1.0889% | 2,037 |
| Pretax return on assets | 1.0889% | 3,114 |
| Return on Equity (ROE) | 12.9226% | 1,075 |
| Retained earnings to average equity (ytd only) | 4.5468% | 2,746 |
| Net charge-offs to loans | 0.6301% | 378 |
| Credit loss provision to net charge-offs | 78.4884% | 2,977 |
| Earnings coverage of net charge-offs (x) | 4.5591% | 3,527 |
| Efficiency ratio | 66.5814% | 3,813 |
| Assets per employee ($millions) | 4.6761% | 2,764 |
| Cash dividends to net income (ytd only)* | 64.8148% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5284% | 5,899 |
| Loan loss allowance to noncurrent loans | 543.7126% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 4,647 |
| Noncurrent loans to loans | 0.0972% | 5,108 |
| Net loans and leases to total assets | 38.4748% | 5,601 |
| Net loans and leases to deposits | 41.9265% | 5,711 |
| Net loans and leases to core deposits | 46.5766% | 5,621 |
| Total domestic deposits to total assets | 91.7673% | 133 |
| Equity capital to assets | 8.1827% | 5,770 |
| Core capital (leverage) ratio | 8.1496% | 5,736 |
| Tier 1 risk-based capital ratio | 17.6719% | 2,065 |
| Total risk-based capital ratio | 18.1152% | 2,285 |
| Memoranda: | ||
| Average total assets | $421,509,400 | 1,574 |
| Average earning assets | $401,153,200 | 1,525 |
| Average equity | $35,519,200 | 2,008 |
| Average total loans | $163,775,400 | 2,417 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 5,519 |
| Cost of funding earning assets | 0.2260% | 5,123 |
| Net interest margin | 3.0171% | 5,156 |
| Noninterest income to average assets | 0.4976% | 3,383 |
| Noninterest expense to average assets | 2.1944% | 5,067 |
| Loan and lease loss provision to assets | 0.1812% | 1,147 |
| Net operating income to assets | 0.9991% | 2,473 |
| Return on assets (ROA) | 1.0603% | 2,262 |
| Pretax return on assets | 1.0603% | 3,377 |
| Return on Equity (ROE) | 12.4866% | 1,242 |
| Retained earnings to average equity (ytd only) | 1.3480% | 5,182 |
| Net charge-offs to loans | 0.7261% | 291 |
| Credit loss provision to net charge-offs | 64.1317% | 2,854 |
| Earnings coverage of net charge-offs (x) | 4.1782% | 3,388 |
| Efficiency ratio | 65.0261% | 4,060 |
| Assets per employee ($millions) | 4.2640% | 3,393 |
| Cash dividends to net income (ytd only)* | 89.2049% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4739% | 6,038 |
| Loan loss allowance to noncurrent loans | 108.5333% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 4,247 |
| Noncurrent loans to loans | 0.4367% | 4,043 |
| Net loans and leases to total assets | 42.1989% | 5,476 |
| Net loans and leases to deposits | 47.0713% | 5,611 |
| Net loans and leases to core deposits | 52.1572% | 5,495 |
| Total domestic deposits to total assets | 89.6488% | 714 |
| Equity capital to assets | 8.8957% | 5,399 |
| Core capital (leverage) ratio | 8.5332% | 5,526 |
| Tier 1 risk-based capital ratio | 17.2205% | 2,287 |
| Total risk-based capital ratio | 17.6217% | 2,588 |
| Memoranda: | ||
| Average total assets | $415,829,750 | 1,602 |
| Average earning assets | $396,534,750 | 1,555 |
| Average equity | $35,311,500 | 2,030 |
| Average total loans | $161,763,250 | 2,457 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2215% | 5,586 |
| Cost of funding earning assets | 0.2234% | 5,217 |
| Net interest margin | 2.9981% | 5,226 |
| Noninterest income to average assets | 0.4726% | 3,547 |
| Noninterest expense to average assets | 2.1525% | 5,217 |
| Loan and lease loss provision to assets | 0.2694% | 611 |
| Net operating income to assets | 0.9118% | 2,810 |
| Return on assets (ROA) | 1.0028% | 2,481 |
| Pretax return on assets | 1.0028% | 3,579 |
| Return on Equity (ROE) | 11.9930% | 1,373 |
| Retained earnings to average equity (ytd only) | -1.4086% | 5,758 |
| Net charge-offs to loans | 1.0919% | 179 |
| Credit loss provision to net charge-offs | 65.3179% | 2,532 |
| Earnings coverage of net charge-offs (x) | 2.8636% | 3,280 |
| Efficiency ratio | 64.5687% | 4,264 |
| Assets per employee ($millions) | 4.4544% | 3,057 |
| Cash dividends to net income (ytd only)* | 111.7451% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5012% | 6,087 |
| Loan loss allowance to noncurrent loans | 52.3990% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 3,790 |
| Noncurrent loans to loans | 0.9565% | 2,735 |
| Net loans and leases to total assets | 38.5324% | 5,712 |
| Net loans and leases to deposits | 44.1976% | 5,758 |
| Net loans and leases to core deposits | 48.7751% | 5,661 |
| Total domestic deposits to total assets | 87.1820% | 2,064 |
| Equity capital to assets | 8.1115% | 5,929 |
| Core capital (leverage) ratio | 8.1687% | 5,815 |
| Tier 1 risk-based capital ratio | 17.1795% | 2,339 |
| Total risk-based capital ratio | 17.5948% | 2,648 |
| Memoranda: | ||
| Average total assets | $419,411,670 | 1,606 |
| Average earning assets | $400,253,330 | 1,549 |
| Average equity | $35,070,330 | 2,047 |
| Average total loans | $158,432,670 | 2,497 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1624% | 5,706 |
| Cost of funding earning assets | 0.2037% | 5,481 |
| Net interest margin | 2.9587% | 5,324 |
| Noninterest income to average assets | 0.5461% | 2,978 |
| Noninterest expense to average assets | 2.0920% | 5,405 |
| Loan and lease loss provision to assets | 0.3660% | 339 |
| Net operating income to assets | 0.9140% | 2,682 |
| Return on assets (ROA) | 1.0546% | 2,149 |
| Pretax return on assets | 1.0546% | 3,285 |
| Return on Equity (ROE) | 12.4213% | 1,239 |
| Retained earnings to average equity (ytd only) | -1.7583% | 5,659 |
| Net charge-offs to loans | 2.1621% | 81 |
| Credit loss provision to net charge-offs | 45.4002% | 2,144 |
| Earnings coverage of net charge-offs (x) | 1.5878% | 2,898 |
| Efficiency ratio | 62.0394% | 4,793 |
| Assets per employee ($millions) | 4.4436% | 3,147 |
| Cash dividends to net income (ytd only)* | 114.1553% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4310% | 6,217 |
| Loan loss allowance to noncurrent loans | 49.2319% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 3,892 |
| Noncurrent loans to loans | 0.8755% | 3,057 |
| Net loans and leases to total assets | 36.8257% | 5,785 |
| Net loans and leases to deposits | 40.4639% | 5,899 |
| Net loans and leases to core deposits | 44.8057% | 5,807 |
| Total domestic deposits to total assets | 91.0088% | 360 |
| Equity capital to assets | 8.5715% | 5,690 |
| Core capital (leverage) ratio | 8.1569% | 5,843 |
| Tier 1 risk-based capital ratio | 17.8158% | 2,190 |
| Total risk-based capital ratio | 18.1641% | 2,464 |
| Memoranda: | ||
| Average total assets | $415,305,000 | 1,626 |
| Average earning assets | $396,655,500 | 1,573 |
| Average equity | $35,262,000 | 2,052 |
| Average total loans | $154,847,000 | 2,554 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3423% | 5,632 |
| Cost of funding earning assets | 0.2000% | 5,745 |
| Net interest margin | 3.1423% | 5,088 |
| Noninterest income to average assets | 0.6461% | 2,574 |
| Noninterest expense to average assets | 2.2965% | 5,122 |
| Loan and lease loss provision to assets | 0.1361% | 1,927 |
| Net operating income to assets | 1.2200% | 1,524 |
| Return on assets (ROA) | 1.3760% | 1,172 |
| Pretax return on assets | 1.3760% | 1,974 |
| Return on Equity (ROE) | 15.7897% | 648 |
| Retained earnings to average equity (ytd only) | 3.2929% | 3,886 |
| Net charge-offs to loans | 0.2700% | 1,596 |
| Credit loss provision to net charge-offs | 128.8660% | 1,854 |
| Earnings coverage of net charge-offs (x) | 12.8376% | 2,336 |
| Efficiency ratio | 62.8727% | 4,772 |
| Assets per employee ($millions) | 4.4886% | 3,061 |
| Cash dividends to net income (ytd only)* | 79.1452% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 5,912 |
| Loan loss allowance to noncurrent loans | 25.8700% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 1.3463% | 2,082 |
| Noncurrent loans to loans | 2.8444% | 814 |
| Net loans and leases to total assets | 37.3185% | 5,887 |
| Net loans and leases to deposits | 40.7687% | 6,010 |
| Net loans and leases to core deposits | 44.9354% | 5,931 |
| Total domestic deposits to total assets | 91.5371% | 217 |
| Equity capital to assets | 8.4071% | 5,821 |
| Core capital (leverage) ratio | 8.7348% | 5,316 |
| Tier 1 risk-based capital ratio | 18.3117% | 2,050 |
| Total risk-based capital ratio | 18.9577% | 2,205 |
| Memoranda: | ||
| Average total assets | $367,293,800 | 1,767 |
| Average earning assets | $351,435,200 | 1,702 |
| Average equity | $32,008,200 | 2,163 |
| Average total loans | $143,680,400 | 2,655 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4222% | 5,552 |
| Cost of funding earning assets | 0.1978% | 5,851 |
| Net interest margin | 3.2244% | 4,880 |
| Noninterest income to average assets | 0.6629% | 2,510 |
| Noninterest expense to average assets | 2.3603% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3889% | 1,157 |
| Return on assets (ROA) | 1.4270% | 1,114 |
| Pretax return on assets | 1.4270% | 1,896 |
| Return on Equity (ROE) | 16.2116% | 656 |
| Retained earnings to average equity (ytd only) | -0.7595% | 5,923 |
| Net charge-offs to loans | 0.1407% | 2,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 24.9599% | 1,520 |
| Efficiency ratio | 62.9545% | 4,735 |
| Assets per employee ($millions) | 3.8844% | 4,116 |
| Cash dividends to net income (ytd only)* | 104.6846% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5822% | 6,247 |
| Loan loss allowance to noncurrent loans | 16.3839% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 1.5463% | 1,985 |
| Noncurrent loans to loans | 3.5536% | 664 |
| Net loans and leases to total assets | 41.5226% | 5,714 |
| Net loans and leases to deposits | 45.7955% | 5,876 |
| Net loans and leases to core deposits | 50.5979% | 5,760 |
| Total domestic deposits to total assets | 90.6697% | 462 |
| Equity capital to assets | 9.1649% | 5,193 |
| Core capital (leverage) ratio | 8.6319% | 5,523 |
| Tier 1 risk-based capital ratio | 18.6642% | 1,999 |
| Total risk-based capital ratio | 19.1908% | 2,192 |
| Memoranda: | ||
| Average total assets | $357,001,000 | 1,841 |
| Average earning assets | $341,723,750 | 1,753 |
| Average equity | $31,425,250 | 2,202 |
| Average total loans | $141,209,750 | 2,709 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3961% | 5,624 |
| Cost of funding earning assets | 0.1963% | 5,943 |
| Net interest margin | 3.1998% | 4,950 |
| Noninterest income to average assets | 0.6372% | 2,625 |
| Noninterest expense to average assets | 2.3498% | 5,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3472% | 1,191 |
| Return on assets (ROA) | 1.3472% | 1,235 |
| Pretax return on assets | 1.3472% | 2,093 |
| Return on Equity (ROE) | 15.5182% | 709 |
| Retained earnings to average equity (ytd only) | -6.4293% | 6,321 |
| Net charge-offs to loans | 0.0303% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 114.4762% | 503 |
| Efficiency ratio | 63.5592% | 4,760 |
| Assets per employee ($millions) | 3.9976% | 3,842 |
| Cash dividends to net income (ytd only)* | 141.4309% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7146% | 6,148 |
| Loan loss allowance to noncurrent loans | 23.6592% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2614% | 2,591 |
| Noncurrent loans to loans | 3.0206% | 955 |
| Net loans and leases to total assets | 38.9313% | 5,896 |
| Net loans and leases to deposits | 42.8607% | 6,039 |
| Net loans and leases to core deposits | 46.8034% | 5,959 |
| Total domestic deposits to total assets | 90.8321% | 463 |
| Equity capital to assets | 9.0254% | 5,269 |
| Core capital (leverage) ratio | 8.4514% | 5,684 |
| Tier 1 risk-based capital ratio | 19.1464% | 1,891 |
| Total risk-based capital ratio | 19.7830% | 2,011 |
| Memoranda: | ||
| Average total assets | $356,880,000 | 1,839 |
| Average earning assets | $341,274,670 | 1,758 |
| Average equity | $30,983,000 | 2,217 |
| Average total loans | $138,527,670 | 2,756 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3848% | 5,681 |
| Cost of funding earning assets | 0.1976% | 6,022 |
| Net interest margin | 3.1872% | 4,961 |
| Noninterest income to average assets | 0.6524% | 2,447 |
| Noninterest expense to average assets | 2.2763% | 5,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4269% | 941 |
| Return on assets (ROA) | 1.4269% | 982 |
| Pretax return on assets | 1.4269% | 1,653 |
| Return on Equity (ROE) | 16.7658% | 559 |
| Retained earnings to average equity (ytd only) | -12.8209% | 6,436 |
| Net charge-offs to loans | 0.0232% | 3,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 159.3750% | 306 |
| Efficiency ratio | 61.4687% | 5,205 |
| Assets per employee ($millions) | 4.0119% | 3,926 |
| Cash dividends to net income (ytd only)* | 176.4706% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7371% | 6,213 |
| Loan loss allowance to noncurrent loans | 123.0207% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 5,193 |
| Noncurrent loans to loans | 0.5991% | 4,361 |
| Net loans and leases to total assets | 38.5279% | 5,908 |
| Net loans and leases to deposits | 42.1934% | 6,069 |
| Net loans and leases to core deposits | 45.9446% | 5,996 |
| Total domestic deposits to total assets | 91.3127% | 445 |
| Equity capital to assets | 8.6043% | 5,542 |
| Core capital (leverage) ratio | 8.3530% | 5,799 |
| Tier 1 risk-based capital ratio | 19.5718% | 1,820 |
| Total risk-based capital ratio | 20.2307% | 1,938 |
| Memoranda: | ||
| Average total assets | $357,427,000 | 1,844 |
| Average earning assets | $342,120,000 | 1,761 |
| Average equity | $30,419,000 | 2,248 |
| Average total loans | $138,037,000 | 2,763 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4330% | 5,772 |
| Cost of funding earning assets | 0.2002% | 6,296 |
| Net interest margin | 3.2327% | 4,887 |
| Noninterest income to average assets | 0.7176% | 2,448 |
| Noninterest expense to average assets | 2.2479% | 5,508 |
| Loan and lease loss provision to assets | 0.1747% | 2,111 |
| Net operating income to assets | 1.3839% | 1,060 |
| Return on assets (ROA) | 1.5909% | 724 |
| Pretax return on assets | 1.5909% | 1,192 |
| Return on Equity (ROE) | 17.5213% | 454 |
| Retained earnings to average equity (ytd only) | 11.7482% | 336 |
| Net charge-offs to loans | 0.4224% | 1,583 |
| Credit loss provision to net charge-offs | 105.2632% | 2,291 |
| Earnings coverage of net charge-offs (x) | 9.3895% | 2,513 |
| Efficiency ratio | 59.0544% | 5,600 |
| Assets per employee ($millions) | 4.2071% | 3,432 |
| Cash dividends to net income (ytd only)* | 32.9489% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 6,307 |
| Loan loss allowance to noncurrent loans | 163.6656% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 5,463 |
| Noncurrent loans to loans | 0.4473% | 4,882 |
| Net loans and leases to total assets | 38.1486% | 6,081 |
| Net loans and leases to deposits | 41.7086% | 6,244 |
| Net loans and leases to core deposits | 45.3854% | 6,165 |
| Total domestic deposits to total assets | 91.4646% | 414 |
| Equity capital to assets | 8.4190% | 5,667 |
| Core capital (leverage) ratio | 9.4886% | 4,289 |
| Tier 1 risk-based capital ratio | 20.7064% | 1,488 |
| Total risk-based capital ratio | 21.3868% | 1,590 |
| Memoranda: | ||
| Average total assets | $343,388,000 | 1,880 |
| Average earning assets | $328,111,200 | 1,812 |
| Average equity | $31,179,200 | 2,181 |
| Average total loans | $134,939,400 | 2,778 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4681% | 5,756 |
| Cost of funding earning assets | 0.2030% | 6,387 |
| Net interest margin | 3.2651% | 4,771 |
| Noninterest income to average assets | 0.7198% | 2,510 |
| Noninterest expense to average assets | 2.3173% | 5,286 |
| Loan and lease loss provision to assets | 0.0590% | 3,866 |
| Net operating income to assets | 1.4644% | 959 |
| Return on assets (ROA) | 1.6895% | 664 |
| Pretax return on assets | 1.6895% | 1,121 |
| Return on Equity (ROE) | 18.2528% | 418 |
| Retained earnings to average equity (ytd only) | 10.5997% | 666 |
| Net charge-offs to loans | 0.2658% | 2,225 |
| Credit loss provision to net charge-offs | 56.1798% | 3,374 |
| Earnings coverage of net charge-offs (x) | 14.4982% | 1,941 |
| Efficiency ratio | 60.3341% | 5,385 |
| Assets per employee ($millions) | 3.7553% | 4,338 |
| Cash dividends to net income (ytd only)* | 41.9287% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6401% | 6,514 |
| Loan loss allowance to noncurrent loans | 16.2465% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 1.7842% | 2,295 |
| Noncurrent loans to loans | 3.9399% | 896 |
| Net loans and leases to total assets | 42.3081% | 5,879 |
| Net loans and leases to deposits | 46.6566% | 6,055 |
| Net loans and leases to core deposits | 51.5547% | 5,913 |
| Total domestic deposits to total assets | 90.6798% | 667 |
| Equity capital to assets | 9.1404% | 5,006 |
| Core capital (leverage) ratio | 9.2897% | 4,706 |
| Tier 1 risk-based capital ratio | 20.4125% | 1,620 |
| Total risk-based capital ratio | 21.0083% | 1,760 |
| Memoranda: | ||
| Average total assets | $338,782,250 | 1,911 |
| Average earning assets | $323,818,500 | 1,848 |
| Average equity | $31,358,750 | 2,186 |
| Average total loans | $133,913,250 | 2,808 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 5,766 |
| Cost of funding earning assets | 0.1995% | 6,472 |
| Net interest margin | 3.2622% | 4,720 |
| Noninterest income to average assets | 0.7083% | 2,597 |
| Noninterest expense to average assets | 2.2716% | 5,441 |
| Loan and lease loss provision to assets | 0.0869% | 3,342 |
| Net operating income to assets | 1.4653% | 957 |
| Return on assets (ROA) | 1.7665% | 592 |
| Pretax return on assets | 1.7665% | 986 |
| Return on Equity (ROE) | 19.0112% | 381 |
| Retained earnings to average equity (ytd only) | 11.5314% | 562 |
| Net charge-offs to loans | 0.3362% | 1,841 |
| Credit loss provision to net charge-offs | 66.9643% | 2,894 |
| Earnings coverage of net charge-offs (x) | 11.9643% | 2,017 |
| Efficiency ratio | 59.4062% | 5,557 |
| Assets per employee ($millions) | 3.4965% | 4,863 |
| Cash dividends to net income (ytd only)* | 39.3443% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6732% | 6,531 |
| Loan loss allowance to noncurrent loans | 188.2474% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 5,736 |
| Noncurrent loans to loans | 0.3576% | 5,385 |
| Net loans and leases to total assets | 41.4238% | 5,940 |
| Net loans and leases to deposits | 45.6949% | 6,124 |
| Net loans and leases to core deposits | 50.2190% | 6,016 |
| Total domestic deposits to total assets | 90.6530% | 678 |
| Equity capital to assets | 9.1935% | 4,999 |
| Core capital (leverage) ratio | 9.0035% | 4,981 |
| Tier 1 risk-based capital ratio | 19.9600% | 1,731 |
| Total risk-based capital ratio | 20.5849% | 1,872 |
| Memoranda: | ||
| Average total assets | $345,310,000 | 1,888 |
| Average earning assets | $329,776,670 | 1,812 |
| Average equity | $32,086,330 | 2,151 |
| Average total loans | $133,245,330 | 2,818 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4731% | 5,777 |
| Cost of funding earning assets | 0.1955% | 6,592 |
| Net interest margin | 3.2776% | 4,601 |
| Noninterest income to average assets | 0.7215% | 2,475 |
| Noninterest expense to average assets | 2.3592% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4947% | 865 |
| Return on assets (ROA) | 2.0800% | 329 |
| Pretax return on assets | 2.0800% | 512 |
| Return on Equity (ROE) | 22.2771% | 187 |
| Retained earnings to average equity (ytd only) | 22.2771% | 94 |
| Net charge-offs to loans | 0.0424% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 94.8571% | 403 |
| Efficiency ratio | 61.2150% | 5,420 |
| Assets per employee ($millions) | 3.7794% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7282% | 6,550 |
| Loan loss allowance to noncurrent loans | 337.8472% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 6,220 |
| Noncurrent loans to loans | 0.2155% | 5,872 |
| Net loans and leases to total assets | 40.8089% | 5,932 |
| Net loans and leases to deposits | 45.4932% | 6,088 |
| Net loans and leases to core deposits | 49.5574% | 6,001 |
| Total domestic deposits to total assets | 89.7033% | 1,229 |
| Equity capital to assets | 10.2029% | 3,902 |
| Core capital (leverage) ratio | 8.4184% | 5,683 |
| Tier 1 risk-based capital ratio | 20.6045% | 1,637 |
| Total risk-based capital ratio | 21.2919% | 1,733 |
| Memoranda: | ||
| Average total assets | $355,377,500 | 1,863 |
| Average earning assets | $339,639,000 | 1,780 |
| Average equity | $33,182,000 | 2,117 |
| Average total loans | $132,061,500 | 2,863 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 5,875 |
| Cost of funding earning assets | 0.2321% | 6,745 |
| Net interest margin | 3.5501% | 4,302 |
| Noninterest income to average assets | 0.7114% | 2,668 |
| Noninterest expense to average assets | 2.2267% | 5,864 |
| Loan and lease loss provision to assets | 0.0356% | 5,444 |
| Net operating income to assets | 1.8531% | 469 |
| Return on assets (ROA) | 2.0819% | 343 |
| Pretax return on assets | 2.0819% | 508 |
| Return on Equity (ROE) | 22.1106% | 215 |
| Retained earnings to average equity (ytd only) | 1.7861% | 4,961 |
| Net charge-offs to loans | 0.0334% | 5,448 |
| Credit loss provision to net charge-offs | 284.0909% | 858 |
| Earnings coverage of net charge-offs (x) | 150.8409% | 280 |
| Efficiency ratio | 54.1073% | 6,259 |
| Assets per employee ($millions) | 4.2859% | 3,384 |
| Cash dividends to net income (ytd only)* | 91.9218% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 6,560 |
| Loan loss allowance to noncurrent loans | 161.8033% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 6,110 |
| Noncurrent loans to loans | 0.4674% | 5,355 |
| Net loans and leases to total assets | 33.5789% | 6,565 |
| Net loans and leases to deposits | 36.7590% | 6,666 |
| Net loans and leases to core deposits | 39.3429% | 6,636 |
| Total domestic deposits to total assets | 91.3489% | 384 |
| Equity capital to assets | 8.6076% | 5,961 |
| Core capital (leverage) ratio | 8.2174% | 5,981 |
| Tier 1 risk-based capital ratio | 19.0549% | 1,941 |
| Total risk-based capital ratio | 19.7434% | 2,071 |
| Memoranda: | ||
| Average total assets | $351,413,200 | 1,842 |
| Average earning assets | $336,947,000 | 1,761 |
| Average equity | $33,088,200 | 2,084 |
| Average total loans | $131,860,200 | 2,848 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 5,733 |
| Cost of funding earning assets | 0.2491% | 6,813 |
| Net interest margin | 3.6727% | 3,910 |
| Noninterest income to average assets | 0.7105% | 2,654 |
| Noninterest expense to average assets | 2.2518% | 5,813 |
| Loan and lease loss provision to assets | 0.0486% | 5,162 |
| Net operating income to assets | 1.9364% | 419 |
| Return on assets (ROA) | 2.2331% | 296 |
| Pretax return on assets | 2.2331% | 454 |
| Return on Equity (ROE) | 23.1575% | 188 |
| Retained earnings to average equity (ytd only) | 6.2189% | 2,552 |
| Net charge-offs to loans | 0.0353% | 5,151 |
| Credit loss provision to net charge-offs | 357.1429% | 751 |
| Earnings coverage of net charge-offs (x) | 145.8144% | 306 |
| Efficiency ratio | 53.1485% | 6,336 |
| Assets per employee ($millions) | 3.6855% | 4,578 |
| Cash dividends to net income (ytd only)* | 73.1452% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 6,675 |
| Loan loss allowance to noncurrent loans | 69.2147% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 5,495 |
| Noncurrent loans to loans | 1.0955% | 4,237 |
| Net loans and leases to total assets | 40.1942% | 6,265 |
| Net loans and leases to deposits | 45.1208% | 6,451 |
| Net loans and leases to core deposits | 49.0460% | 6,346 |
| Total domestic deposits to total assets | 89.0813% | 1,382 |
| Equity capital to assets | 10.7809% | 3,528 |
| Core capital (leverage) ratio | 8.7053% | 5,465 |
| Tier 1 risk-based capital ratio | 19.3130% | 1,920 |
| Total risk-based capital ratio | 19.9934% | 2,058 |
| Memoranda: | ||
| Average total assets | $342,834,000 | 1,906 |
| Average earning assets | $329,160,750 | 1,824 |
| Average equity | $33,059,750 | 2,100 |
| Average total loans | $132,197,500 | 2,870 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 5,947 |
| Cost of funding earning assets | 0.2632% | 6,868 |
| Net interest margin | 3.6209% | 4,179 |
| Noninterest income to average assets | 0.7009% | 2,667 |
| Noninterest expense to average assets | 2.1822% | 6,055 |
| Loan and lease loss provision to assets | 0.0716% | 4,734 |
| Net operating income to assets | 1.9232% | 444 |
| Return on assets (ROA) | 2.3472% | 256 |
| Pretax return on assets | 2.3472% | 382 |
| Return on Equity (ROE) | 25.2647% | 141 |
| Retained earnings to average equity (ytd only) | 3.0594% | 4,606 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2431% | 6,480 |
| Assets per employee ($millions) | 3.5350% | 4,902 |
| Cash dividends to net income (ytd only)* | 87.8906% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 6,693 |
| Loan loss allowance to noncurrent loans | 5,426.3158% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 6,741 |
| Noncurrent loans to loans | 0.0145% | 6,657 |
| Net loans and leases to total assets | 39.8485% | 6,354 |
| Net loans and leases to deposits | 44.5484% | 6,522 |
| Net loans and leases to core deposits | 48.1438% | 6,452 |
| Total domestic deposits to total assets | 89.4498% | 1,242 |
| Equity capital to assets | 10.1437% | 4,131 |
| Core capital (leverage) ratio | 8.1077% | 6,155 |
| Tier 1 risk-based capital ratio | 18.4718% | 2,140 |
| Total risk-based capital ratio | 19.1714% | 2,288 |
| Memoranda: | ||
| Average total assets | $349,004,330 | 1,877 |
| Average earning assets | $335,057,330 | 1,794 |
| Average equity | $32,424,670 | 2,125 |
| Average total loans | $132,478,330 | 2,881 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7858% | 6,276 |
| Cost of funding earning assets | 0.2798% | 6,907 |
| Net interest margin | 3.5060% | 4,665 |
| Noninterest income to average assets | 0.7105% | 2,612 |
| Noninterest expense to average assets | 2.0704% | 6,336 |
| Loan and lease loss provision to assets | 0.1385% | 3,624 |
| Net operating income to assets | 1.8764% | 515 |
| Return on assets (ROA) | 2.4661% | 230 |
| Pretax return on assets | 2.4661% | 348 |
| Return on Equity (ROE) | 27.6892% | 131 |
| Retained earnings to average equity (ytd only) | -2.1778% | 6,303 |
| Net charge-offs to loans | 0.0420% | 4,111 |
| Credit loss provision to net charge-offs | 892.8571% | 395 |
| Earnings coverage of net charge-offs (x) | 129.8571% | 275 |
| Efficiency ratio | 50.6782% | 6,628 |
| Assets per employee ($millions) | 4.2323% | 3,518 |
| Cash dividends to net income (ytd only)* | 107.8652% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7576% | 6,805 |
| Loan loss allowance to noncurrent loans | 309.1185% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 6,580 |
| Noncurrent loans to loans | 0.2451% | 6,199 |
| Net loans and leases to total assets | 38.3860% | 6,467 |
| Net loans and leases to deposits | 42.3045% | 6,641 |
| Net loans and leases to core deposits | 45.6979% | 6,587 |
| Total domestic deposits to total assets | 90.7376% | 668 |
| Equity capital to assets | 9.1892% | 5,249 |
| Core capital (leverage) ratio | 7.5248% | 6,617 |
| Tier 1 risk-based capital ratio | 17.4369% | 2,501 |
| Total risk-based capital ratio | 18.1049% | 2,691 |
| Memoranda: | ||
| Average total assets | $360,898,000 | 1,836 |
| Average earning assets | $347,408,000 | 1,740 |
| Average equity | $32,142,500 | 2,142 |
| Average total loans | $133,405,000 | 2,878 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 6,014 |
| Cost of funding earning assets | 0.3558% | 6,994 |
| Net interest margin | 3.8586% | 3,519 |
| Noninterest income to average assets | 0.8128% | 1,991 |
| Noninterest expense to average assets | 2.3568% | 5,892 |
| Loan and lease loss provision to assets | 0.0306% | 6,186 |
| Net operating income to assets | 2.0748% | 270 |
| Return on assets (ROA) | 2.1951% | 240 |
| Pretax return on assets | 2.1951% | 376 |
| Return on Equity (ROE) | 26.6320% | 80 |
| Retained earnings to average equity (ytd only) | 13.2565% | 209 |
| Net charge-offs to loans | 0.1344% | 5,071 |
| Credit loss provision to net charge-offs | 59.8802% | 5,174 |
| Earnings coverage of net charge-offs (x) | 41.1677% | 657 |
| Efficiency ratio | 52.8172% | 6,632 |
| Assets per employee ($millions) | 4.6265% | 2,717 |
| Cash dividends to net income (ytd only)* | 50.2232% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6834% | 6,928 |
| Loan loss allowance to noncurrent loans | 943.7500% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 6,886 |
| Noncurrent loans to loans | 0.0724% | 6,637 |
| Net loans and leases to total assets | 35.1353% | 6,809 |
| Net loans and leases to deposits | 38.4780% | 6,937 |
| Net loans and leases to core deposits | 41.1466% | 6,912 |
| Total domestic deposits to total assets | 91.3128% | 397 |
| Equity capital to assets | 8.6442% | 5,965 |
| Core capital (leverage) ratio | 8.0177% | 6,246 |
| Tier 1 risk-based capital ratio | 17.5848% | 2,354 |
| Total risk-based capital ratio | 18.1809% | 2,595 |
| Memoranda: | ||
| Average total assets | $326,541,000 | 1,973 |
| Average earning assets | $308,839,800 | 1,902 |
| Average equity | $26,915,000 | 2,404 |
| Average total loans | $124,244,200 | 3,093 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 5,826 |
| Cost of funding earning assets | 0.3741% | 7,075 |
| Net interest margin | 3.9629% | 3,086 |
| Noninterest income to average assets | 0.8310% | 1,924 |
| Noninterest expense to average assets | 2.4322% | 5,683 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.1266% | 282 |
| Return on assets (ROA) | 2.2809% | 237 |
| Pretax return on assets | 2.2809% | 370 |
| Return on Equity (ROE) | 28.0802% | 75 |
| Retained earnings to average equity (ytd only) | 9.8124% | 893 |
| Net charge-offs to loans | 0.0524% | 5,451 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 104.4973% | 346 |
| Efficiency ratio | 53.3526% | 6,561 |
| Assets per employee ($millions) | 3.9579% | 3,939 |
| Cash dividends to net income (ytd only)* | 65.0558% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 6,885 |
| Loan loss allowance to noncurrent loans | 460.1990% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 6,890 |
| Noncurrent loans to loans | 0.1641% | 6,537 |
| Net loans and leases to total assets | 37.9278% | 6,772 |
| Net loans and leases to deposits | 42.8163% | 6,882 |
| Net loans and leases to core deposits | 46.3781% | 6,829 |
| Total domestic deposits to total assets | 88.5827% | 1,708 |
| Equity capital to assets | 9.3695% | 5,275 |
| Core capital (leverage) ratio | 7.8581% | 6,522 |
| Tier 1 risk-based capital ratio | 17.5660% | 2,411 |
| Total risk-based capital ratio | 18.2150% | 2,622 |
| Memoranda: | ||
| Average total assets | $314,489,250 | 2,046 |
| Average earning assets | $295,834,000 | 1,982 |
| Average equity | $25,545,250 | 2,522 |
| Average total loans | $122,161,500 | 3,161 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 5,755 |
| Cost of funding earning assets | 0.3880% | 7,154 |
| Net interest margin | 3.9948% | 2,861 |
| Noninterest income to average assets | 0.8244% | 1,912 |
| Noninterest expense to average assets | 2.4445% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1104% | 297 |
| Return on assets (ROA) | 2.1846% | 276 |
| Pretax return on assets | 2.1846% | 420 |
| Return on Equity (ROE) | 28.3853% | 83 |
| Retained earnings to average equity (ytd only) | 4.2665% | 3,478 |
| Net charge-offs to loans | 0.0639% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 84.5385% | 411 |
| Efficiency ratio | 53.6678% | 6,649 |
| Assets per employee ($millions) | 3.6920% | 4,468 |
| Cash dividends to net income (ytd only)* | 84.9692% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 6,889 |
| Loan loss allowance to noncurrent loans | 1,228.9474% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 7,045 |
| Noncurrent loans to loans | 0.0643% | 6,822 |
| Net loans and leases to total assets | 36.9380% | 6,913 |
| Net loans and leases to deposits | 40.3875% | 7,051 |
| Net loans and leases to core deposits | 43.9163% | 7,006 |
| Total domestic deposits to total assets | 91.4589% | 352 |
| Equity capital to assets | 8.3288% | 6,388 |
| Core capital (leverage) ratio | 7.8890% | 6,425 |
| Tier 1 risk-based capital ratio | 17.6836% | 2,274 |
| Total risk-based capital ratio | 18.3814% | 2,445 |
| Memoranda: | ||
| Average total assets | $312,454,670 | 2,060 |
| Average earning assets | $291,779,330 | 2,025 |
| Average equity | $24,047,670 | 2,658 |
| Average total loans | $122,042,330 | 3,189 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 5,857 |
| Cost of funding earning assets | 0.4088% | 7,205 |
| Net interest margin | 3.9404% | 2,954 |
| Noninterest income to average assets | 0.8583% | 1,822 |
| Noninterest expense to average assets | 2.4574% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0831% | 310 |
| Return on assets (ROA) | 2.1941% | 277 |
| Pretax return on assets | 2.1941% | 405 |
| Return on Equity (ROE) | 29.7606% | 82 |
| Retained earnings to average equity (ytd only) | 3.5012% | 4,081 |
| Net charge-offs to loans | 0.0129% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 403.5000% | 67 |
| Efficiency ratio | 54.1217% | 6,685 |
| Assets per employee ($millions) | 3.4756% | 5,049 |
| Cash dividends to net income (ytd only)* | 88.2353% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7752% | 6,965 |
| Loan loss allowance to noncurrent loans | 1,490.7692% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 7,126 |
| Noncurrent loans to loans | 0.0520% | 6,920 |
| Net loans and leases to total assets | 41.4967% | 6,671 |
| Net loans and leases to deposits | 45.2166% | 6,900 |
| Net loans and leases to core deposits | 48.5515% | 6,855 |
| Total domestic deposits to total assets | 91.7732% | 345 |
| Equity capital to assets | 8.0689% | 6,426 |
| Core capital (leverage) ratio | 7.7186% | 6,542 |
| Tier 1 risk-based capital ratio | 16.5027% | 2,661 |
| Total risk-based capital ratio | 17.1874% | 2,904 |
| Memoranda: | ||
| Average total assets | $309,925,500 | 2,095 |
| Average earning assets | $289,616,000 | 2,057 |
| Average equity | $22,849,000 | 2,763 |
| Average total loans | $123,955,000 | 3,183 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 6,183 |
| Cost of funding earning assets | 0.5606% | 7,206 |
| Net interest margin | 4.0139% | 2,959 |
| Noninterest income to average assets | 0.8933% | 1,871 |
| Noninterest expense to average assets | 2.6062% | 5,391 |
| Loan and lease loss provision to assets | 0.0987% | 6,156 |
| Net operating income to assets | 1.9637% | 299 |
| Return on assets (ROA) | 2.2011% | 209 |
| Pretax return on assets | 2.2011% | 323 |
| Return on Equity (ROE) | 26.7565% | 70 |
| Retained earnings to average equity (ytd only) | 13.0949% | 205 |
| Net charge-offs to loans | 0.1442% | 5,494 |
| Credit loss provision to net charge-offs | 172.7848% | 1,951 |
| Earnings coverage of net charge-offs (x) | 36.1203% | 631 |
| Efficiency ratio | 55.8248% | 6,617 |
| Assets per employee ($millions) | 3.8669% | 4,090 |
| Cash dividends to net income (ytd only)* | 51.0589% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 6,985 |
| Loan loss allowance to noncurrent loans | 368.5606% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 7,017 |
| Noncurrent loans to loans | 0.2148% | 6,643 |
| Net loans and leases to total assets | 37.9916% | 7,071 |
| Net loans and leases to deposits | 40.7937% | 7,226 |
| Net loans and leases to core deposits | 43.3575% | 7,225 |
| Total domestic deposits to total assets | 93.1310% | 134 |
| Equity capital to assets | 6.7238% | 7,200 |
| Core capital (leverage) ratio | 8.0396% | 6,135 |
| Tier 1 risk-based capital ratio | 16.4125% | 2,562 |
| Total risk-based capital ratio | 17.1021% | 2,776 |
| Memoranda: | ||
| Average total assets | $276,729,000 | 2,311 |
| Average earning assets | $260,272,800 | 2,254 |
| Average equity | $22,764,600 | 2,796 |
| Average total loans | $109,557,600 | 3,556 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 6,181 |
| Cost of funding earning assets | 0.6005% | 7,289 |
| Net interest margin | 4.0527% | 2,842 |
| Noninterest income to average assets | 0.8898% | 1,832 |
| Noninterest expense to average assets | 2.6347% | 5,177 |
| Loan and lease loss provision to assets | 0.0943% | 6,077 |
| Net operating income to assets | 1.9979% | 340 |
| Return on assets (ROA) | 2.3040% | 203 |
| Pretax return on assets | 2.3040% | 338 |
| Return on Equity (ROE) | 26.5437% | 84 |
| Retained earnings to average equity (ytd only) | 8.6205% | 1,194 |
| Net charge-offs to loans | 0.1343% | 5,224 |
| Credit loss provision to net charge-offs | 175.7009% | 2,099 |
| Earnings coverage of net charge-offs (x) | 38.9635% | 697 |
| Efficiency ratio | 55.7384% | 6,595 |
| Assets per employee ($millions) | 3.3994% | 5,208 |
| Cash dividends to net income (ytd only)* | 67.5234% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 6,939 |
| Loan loss allowance to noncurrent loans | 579.6296% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 7,201 |
| Noncurrent loans to loans | 0.1431% | 6,888 |
| Net loans and leases to total assets | 39.7928% | 7,086 |
| Net loans and leases to deposits | 43.8570% | 7,247 |
| Net loans and leases to core deposits | 47.2324% | 7,226 |
| Total domestic deposits to total assets | 90.7331% | 536 |
| Equity capital to assets | 9.0872% | 5,464 |
| Core capital (leverage) ratio | 7.9018% | 6,466 |
| Tier 1 risk-based capital ratio | 16.8822% | 2,385 |
| Total risk-based capital ratio | 17.6139% | 2,561 |
| Memoranda: | ||
| Average total assets | $265,673,750 | 2,434 |
| Average earning assets | $251,548,750 | 2,359 |
| Average equity | $23,060,750 | 2,795 |
| Average total loans | $106,220,250 | 3,679 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 6,443 |
| Cost of funding earning assets | 0.6176% | 7,373 |
| Net interest margin | 3.9877% | 3,076 |
| Noninterest income to average assets | 0.8533% | 1,870 |
| Noninterest expense to average assets | 2.7612% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8641% | 435 |
| Return on assets (ROA) | 2.0763% | 316 |
| Pretax return on assets | 2.0763% | 511 |
| Return on Equity (ROE) | 24.3322% | 141 |
| Retained earnings to average equity (ytd only) | 0.9099% | 5,402 |
| Net charge-offs to loans | 0.0558% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 83.6207% | 380 |
| Efficiency ratio | 59.6975% | 6,098 |
| Assets per employee ($millions) | 3.2171% | 5,642 |
| Cash dividends to net income (ytd only)* | 96.2606% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7734% | 7,092 |
| Loan loss allowance to noncurrent loans | 891.3978% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 7,288 |
| Noncurrent loans to loans | 0.0868% | 7,093 |
| Net loans and leases to total assets | 39.3564% | 7,203 |
| Net loans and leases to deposits | 43.1050% | 7,350 |
| Net loans and leases to core deposits | 46.1108% | 7,351 |
| Total domestic deposits to total assets | 91.3036% | 385 |
| Equity capital to assets | 8.4999% | 6,165 |
| Core capital (leverage) ratio | 7.5498% | 6,782 |
| Tier 1 risk-based capital ratio | 16.6337% | 2,428 |
| Total risk-based capital ratio | 17.3138% | 2,603 |
| Memoranda: | ||
| Average total assets | $260,180,330 | 2,503 |
| Average earning assets | $246,105,670 | 2,431 |
| Average equity | $22,201,000 | 2,899 |
| Average total loans | $103,888,330 | 3,772 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 6,697 |
| Cost of funding earning assets | 0.5986% | 7,543 |
| Net interest margin | 3.9444% | 3,130 |
| Noninterest income to average assets | 0.7901% | 2,072 |
| Noninterest expense to average assets | 2.7670% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7417% | 559 |
| Return on assets (ROA) | 1.8436% | 501 |
| Pretax return on assets | 1.8436% | 821 |
| Return on Equity (ROE) | 21.5617% | 296 |
| Retained earnings to average equity (ytd only) | -7.7739% | 6,809 |
| Net charge-offs to loans | 0.0861% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 573 |
| Efficiency ratio | 61.3700% | 5,933 |
| Assets per employee ($millions) | 3.1395% | 5,903 |
| Cash dividends to net income (ytd only)* | 136.0544% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 7,127 |
| Loan loss allowance to noncurrent loans | 1,161.1111% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 7,384 |
| Noncurrent loans to loans | 0.0690% | 7,219 |
| Net loans and leases to total assets | 40.1941% | 7,242 |
| Net loans and leases to deposits | 43.9976% | 7,404 |
| Net loans and leases to core deposits | 48.4223% | 7,343 |
| Total domestic deposits to total assets | 91.3551% | 419 |
| Equity capital to assets | 8.4425% | 6,081 |
| Core capital (leverage) ratio | 7.9391% | 6,327 |
| Tier 1 risk-based capital ratio | 17.2891% | 2,157 |
| Total risk-based capital ratio | 18.0209% | 2,306 |
| Memoranda: | ||
| Average total assets | $255,151,500 | 2,600 |
| Average earning assets | $240,546,500 | 2,532 |
| Average equity | $21,816,500 | 2,969 |
| Average total loans | $102,240,000 | 3,879 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 6,295 |
| Cost of funding earning assets | 0.6403% | 7,745 |
| Net interest margin | 4.4037% | 1,422 |
| Noninterest income to average assets | 1.1382% | 1,192 |
| Noninterest expense to average assets | 3.0908% | 3,785 |
| Loan and lease loss provision to assets | 0.2178% | 5,618 |
| Net operating income to assets | 1.9914% | 236 |
| Return on assets (ROA) | 2.1000% | 198 |
| Pretax return on assets | 2.1000% | 338 |
| Return on Equity (ROE) | 23.6208% | 115 |
| Retained earnings to average equity (ytd only) | 9.0670% | 488 |
| Net charge-offs to loans | 0.2514% | 5,047 |
| Credit loss provision to net charge-offs | 215.8120% | 1,769 |
| Earnings coverage of net charge-offs (x) | 21.8889% | 984 |
| Efficiency ratio | 58.3171% | 6,720 |
| Assets per employee ($millions) | 3.0837% | 6,026 |
| Cash dividends to net income (ytd only)* | 61.6143% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 6,964 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 7,457 |
| Noncurrent loans to loans | 0.0260% | 7,371 |
| Net loans and leases to total assets | 39.2744% | 7,385 |
| Net loans and leases to deposits | 43.1103% | 7,541 |
| Net loans and leases to core deposits | 53.1188% | 7,500 |
| Total domestic deposits to total assets | 91.1020% | 498 |
| Equity capital to assets | 8.6603% | 5,645 |
| Core capital (leverage) ratio | 8.9363% | 4,530 |
| Tier 1 risk-based capital ratio | 18.3138% | 1,808 |
| Total risk-based capital ratio | 19.0926% | 1,887 |
| Memoranda: | ||
| Average total assets | $231,852,000 | 2,801 |
| Average earning assets | $219,112,200 | 2,715 |
| Average equity | $20,613,200 | 3,121 |
| Average total loans | $93,069,000 | 4,131 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2240% | 5,784 |
| Cost of funding earning assets | 0.6569% | 7,853 |
| Net interest margin | 4.5671% | 1,043 |
| Noninterest income to average assets | 1.1656% | 1,160 |
| Noninterest expense to average assets | 3.0926% | 3,672 |
| Loan and lease loss provision to assets | 0.2618% | 4,864 |
| Net operating income to assets | 2.1312% | 219 |
| Return on assets (ROA) | 2.2765% | 173 |
| Pretax return on assets | 2.2765% | 300 |
| Return on Equity (ROE) | 25.4219% | 103 |
| Retained earnings to average equity (ytd only) | 5.7099% | 2,099 |
| Net charge-offs to loans | 0.3213% | 4,029 |
| Credit loss provision to net charge-offs | 202.2727% | 2,207 |
| Earnings coverage of net charge-offs (x) | 18.4861% | 1,348 |
| Efficiency ratio | 56.3767% | 6,948 |
| Assets per employee ($millions) | 2.8617% | 6,505 |
| Cash dividends to net income (ytd only)* | 77.5394% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 6,986 |
| Loan loss allowance to noncurrent loans | 1,804.4444% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 7,482 |
| Noncurrent loans to loans | 0.0466% | 7,391 |
| Net loans and leases to total assets | 44.0244% | 7,246 |
| Net loans and leases to deposits | 49.5462% | 7,430 |
| Net loans and leases to core deposits | 63.2186% | 7,277 |
| Total domestic deposits to total assets | 88.8552% | 1,266 |
| Equity capital to assets | 9.9554% | 4,145 |
| Core capital (leverage) ratio | 8.8233% | 4,940 |
| Tier 1 risk-based capital ratio | 18.4914% | 1,862 |
| Total risk-based capital ratio | 19.2745% | 1,927 |
| Memoranda: | ||
| Average total assets | $226,598,250 | 2,876 |
| Average earning assets | $214,338,250 | 2,794 |
| Average equity | $20,291,750 | 3,192 |
| Average total loans | $91,293,750 | 4,214 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2513% | 5,861 |
| Cost of funding earning assets | 0.6572% | 7,952 |
| Net interest margin | 4.5941% | 965 |
| Noninterest income to average assets | 1.1253% | 1,247 |
| Noninterest expense to average assets | 2.9534% | 4,279 |
| Loan and lease loss provision to assets | 0.3092% | 4,099 |
| Net operating income to assets | 2.2157% | 189 |
| Return on assets (ROA) | 2.4082% | 139 |
| Pretax return on assets | 2.4082% | 248 |
| Return on Equity (ROE) | 27.8753% | 94 |
| Retained earnings to average equity (ytd only) | 2.6716% | 3,840 |
| Net charge-offs to loans | 0.2993% | 3,691 |
| Credit loss provision to net charge-offs | 264.9254% | 1,760 |
| Earnings coverage of net charge-offs (x) | 21.6343% | 1,254 |
| Efficiency ratio | 53.9110% | 7,344 |
| Assets per employee ($millions) | 3.4805% | 4,859 |
| Cash dividends to net income (ytd only)* | 90.4159% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 6,989 |
| Loan loss allowance to noncurrent loans | 446.4088% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 6,883 |
| Noncurrent loans to loans | 0.1898% | 7,039 |
| Net loans and leases to total assets | 42.4537% | 7,420 |
| Net loans and leases to deposits | 49.9852% | 7,485 |
| Net loans and leases to core deposits | 63.3984% | 7,322 |
| Total domestic deposits to total assets | 84.9326% | 3,292 |
| Equity capital to assets | 8.4210% | 6,167 |
| Core capital (leverage) ratio | 8.0784% | 6,201 |
| Tier 1 risk-based capital ratio | 16.9320% | 2,325 |
| Total risk-based capital ratio | 17.6687% | 2,422 |
| Memoranda: | ||
| Average total assets | $229,634,000 | 2,867 |
| Average earning assets | $217,584,330 | 2,776 |
| Average equity | $19,838,330 | 3,269 |
| Average total loans | $89,538,000 | 4,290 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 6,147 |
| Cost of funding earning assets | 0.6687% | 8,010 |
| Net interest margin | 4.5738% | 985 |
| Noninterest income to average assets | 1.0795% | 1,284 |
| Noninterest expense to average assets | 2.9313% | 4,052 |
| Loan and lease loss provision to assets | 0.1974% | 4,470 |
| Net operating income to assets | 2.2705% | 211 |
| Return on assets (ROA) | 2.3066% | 222 |
| Pretax return on assets | 2.3066% | 359 |
| Return on Equity (ROE) | 26.3807% | 160 |
| Retained earnings to average equity (ytd only) | -3.0621% | 6,294 |
| Net charge-offs to loans | 0.5080% | 2,194 |
| Credit loss provision to net charge-offs | 104.5455% | 3,617 |
| Earnings coverage of net charge-offs (x) | 13.0727% | 1,757 |
| Efficiency ratio | 54.2912% | 7,193 |
| Assets per employee ($millions) | 3.6420% | 4,474 |
| Cash dividends to net income (ytd only)* | 111.6071% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 7,468 |
| Loan loss allowance to noncurrent loans | 124.1090% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 6,874 |
| Noncurrent loans to loans | 0.5545% | 6,028 |
| Net loans and leases to total assets | 37.2326% | 7,687 |
| Net loans and leases to deposits | 40.8895% | 7,816 |
| Net loans and leases to core deposits | 50.4036% | 7,779 |
| Total domestic deposits to total assets | 91.0566% | 398 |
| Equity capital to assets | 8.7159% | 5,742 |
| Core capital (leverage) ratio | 7.7408% | 6,835 |
| Tier 1 risk-based capital ratio | 17.4274% | 2,207 |
| Total risk-based capital ratio | 17.9958% | 2,355 |
| Memoranda: | ||
| Average total assets | $233,074,500 | 2,841 |
| Average earning assets | $220,123,500 | 2,761 |
| Average equity | $20,378,500 | 3,206 |
| Average total loans | $86,619,500 | 4,405 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8847% | 6,116 |
| Cost of funding earning assets | 1.2919% | 7,855 |
| Net interest margin | 4.5928% | 1,202 |
| Noninterest income to average assets | 1.2550% | 936 |
| Noninterest expense to average assets | 3.5624% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.9856% | 366 |
| Return on assets (ROA) | 2.0542% | 297 |
| Pretax return on assets | 2.0542% | 532 |
| Return on Equity (ROE) | 28.8197% | 76 |
| Retained earnings to average equity (ytd only) | 28.8197% | 11 |
| Net charge-offs to loans | 0.0808% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 67.5833% | 601 |
| Efficiency ratio | 64.2101% | 5,516 |
| Assets per employee ($millions) | 2.8866% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 7,493 |
| Loan loss allowance to noncurrent loans | 564.4231% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 7,410 |
| Noncurrent loans to loans | 0.1192% | 7,055 |
| Net loans and leases to total assets | 36.5991% | 7,810 |
| Net loans and leases to deposits | 41.0102% | 7,923 |
| Net loans and leases to core deposits | 49.1554% | 7,904 |
| Total domestic deposits to total assets | 89.2440% | 944 |
| Equity capital to assets | 8.7700% | 5,705 |
| Core capital (leverage) ratio | 7.9675% | 6,544 |
| Tier 1 risk-based capital ratio | 17.6505% | 2,135 |
| Total risk-based capital ratio | 18.2164% | 2,268 |
| Memoranda: | ||
| Average total assets | $204,218,400 | 3,082 |
| Average earning assets | $190,885,200 | 3,026 |
| Average equity | $14,556,000 | 4,230 |
| Average total loans | $74,290,400 | 4,727 |