Home > American State Bank & Trust Company of Williston > Performance and Condition Ratios
American State Bank & Trust Company of Williston, Performance and Condition Ratios
| 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 | 3.6684% | 4,247 |
| Cost of funding earning assets | 0.9277% | 3,208 |
| Net interest margin | 2.7407% | 3,822 |
| Noninterest income to average assets | 1.4100% | 420 |
| Noninterest expense to average assets | 2.0063% | 3,579 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.9893% | 505 |
| Return on assets (ROA) | 1.9870% | 500 |
| Pretax return on assets | 1.9870% | 761 |
| Return on Equity (ROE) | 31.5700% | 197 |
| Retained earnings to average equity (ytd only) | -4.7403% | 4,421 |
| Net charge-offs to loans | -0.0549% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.7628% | 3,932 |
| Assets per employee ($millions) | 7.1456% | 1,850 |
| Cash dividends to net income (ytd only)* | 115.0144% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9756% | 408 |
| Loan loss allowance to noncurrent loans | 91.9077% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 450 |
| Noncurrent loans to loans | 2.1495% | 261 |
| Net loans and leases to total assets | 47.5100% | 3,764 |
| Net loans and leases to deposits | 52.3036% | 3,866 |
| Net loans and leases to core deposits | 53.9488% | 3,931 |
| Total domestic deposits to total assets | 90.8300% | 712 |
| Equity capital to assets | 5.7219% | 4,075 |
| Core capital (leverage) ratio | 12.0338% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5858% | 509 |
| Memoranda: | ||
| Average total assets | $627,466,250 | 1,419 |
| Average earning assets | $601,196,250 | 1,373 |
| Average equity | $39,490,250 | 1,891 |
| Average total loans | $281,927,250 | 1,865 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 4,313 |
| Cost of funding earning assets | 0.7371% | 3,384 |
| Net interest margin | 2.7959% | 3,828 |
| Noninterest income to average assets | 1.3600% | 367 |
| Noninterest expense to average assets | 1.9973% | 3,610 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.9869% | 477 |
| Return on assets (ROA) | 1.9834% | 477 |
| Pretax return on assets | 1.9834% | 766 |
| Return on Equity (ROE) | 30.6300% | 204 |
| Retained earnings to average equity (ytd only) | -9.9003% | 4,509 |
| Net charge-offs to loans | 0.0576% | 959 |
| Credit loss provision to net charge-offs | 212.5000% | 1,024 |
| Earnings coverage of net charge-offs (x) | 80.8750% | 1,047 |
| Efficiency ratio | 49.4650% | 3,970 |
| Assets per employee ($millions) | 8.0747% | 1,281 |
| Cash dividends to net income (ytd only)* | 132.3263% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 488 |
| Loan loss allowance to noncurrent loans | 85.3022% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1819% | 349 |
| Noncurrent loans to loans | 2.2404% | 224 |
| Net loans and leases to total assets | 45.7800% | 3,802 |
| Net loans and leases to deposits | 50.4352% | 3,905 |
| Net loans and leases to core deposits | 51.6623% | 3,968 |
| Total domestic deposits to total assets | 90.7800% | 709 |
| Equity capital to assets | 6.0552% | 4,129 |
| Core capital (leverage) ratio | 11.9130% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1594% | 545 |
| Memoranda: | ||
| Average total assets | $634,164,333 | 1,402 |
| Average earning assets | $607,814,000 | 1,365 |
| Average equity | $41,069,333 | 1,841 |
| Average total loans | $277,787,000 | 1,874 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4662% | 4,300 |
| Cost of funding earning assets | 0.5133% | 3,642 |
| Net interest margin | 2.9528% | 3,690 |
| Noninterest income to average assets | 1.3100% | 387 |
| Noninterest expense to average assets | 1.9901% | 3,651 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.0951% | 430 |
| Return on assets (ROA) | 2.0951% | 424 |
| Pretax return on assets | 2.0951% | 661 |
| Return on Equity (ROE) | 31.3400% | 211 |
| Retained earnings to average equity (ytd only) | 3.6957% | 3,350 |
| Net charge-offs to loans | -0.0089% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.0498% | 4,078 |
| Assets per employee ($millions) | 8.2695% | 1,219 |
| Cash dividends to net income (ytd only)* | 88.2088% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 374 |
| Loan loss allowance to noncurrent loans | 102.7397% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 535 |
| Noncurrent loans to loans | 2.0581% | 266 |
| Net loans and leases to total assets | 40.9000% | 4,007 |
| Net loans and leases to deposits | 45.0426% | 4,068 |
| Net loans and leases to core deposits | 45.6417% | 4,120 |
| Total domestic deposits to total assets | 90.7900% | 868 |
| Equity capital to assets | 6.8005% | 3,912 |
| Core capital (leverage) ratio | 12.1430% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6276% | 460 |
| Memoranda: | ||
| Average total assets | $636,335,000 | 1,418 |
| Average earning assets | $610,126,000 | 1,378 |
| Average equity | $42,535,500 | 1,817 |
| Average total loans | $269,696,000 | 1,928 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0616% | 4,060 |
| Cost of funding earning assets | 0.1578% | 4,073 |
| Net interest margin | 2.9038% | 3,669 |
| Noninterest income to average assets | 1.2900% | 413 |
| Noninterest expense to average assets | 1.8397% | 3,949 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 2.2149% | 210 |
| Return on assets (ROA) | 2.2159% | 199 |
| Pretax return on assets | 2.2159% | 311 |
| Return on Equity (ROE) | 28.5400% | 134 |
| Retained earnings to average equity (ytd only) | 8.4208% | 1,668 |
| Net charge-offs to loans | 0.1093% | 686 |
| Credit loss provision to net charge-offs | 63.4058% | 1,759 |
| Earnings coverage of net charge-offs (x) | 52.2210% | 1,326 |
| Efficiency ratio | 45.0703% | 4,390 |
| Assets per employee ($millions) | 7.8509% | 1,405 |
| Cash dividends to net income (ytd only)* | 70.4928% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 274 |
| Loan loss allowance to noncurrent loans | 108.1236% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 492 |
| Noncurrent loans to loans | 2.1074% | 255 |
| Net loans and leases to total assets | 42.0100% | 3,980 |
| Net loans and leases to deposits | 46.1809% | 4,049 |
| Net loans and leases to core deposits | 46.7362% | 4,090 |
| Total domestic deposits to total assets | 90.9600% | 977 |
| Equity capital to assets | 6.5683% | 3,876 |
| Core capital (leverage) ratio | 12.0806% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2536% | 464 |
| Memoranda: | ||
| Average total assets | $642,815,600 | 1,398 |
| Average earning assets | $618,664,800 | 1,359 |
| Average equity | $49,912,400 | 1,624 |
| Average total loans | $252,566,800 | 1,922 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9610% | 3,962 |
| Cost of funding earning assets | 0.1068% | 4,232 |
| Net interest margin | 2.8542% | 3,610 |
| Noninterest income to average assets | 1.2800% | 447 |
| Noninterest expense to average assets | 1.8578% | 3,849 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 2.1458% | 230 |
| Return on assets (ROA) | 2.1470% | 228 |
| Pretax return on assets | 2.1470% | 352 |
| Return on Equity (ROE) | 26.6400% | 142 |
| Retained earnings to average equity (ytd only) | 0.8675% | 4,235 |
| Net charge-offs to loans | 0.1277% | 502 |
| Credit loss provision to net charge-offs | 63.2911% | 1,481 |
| Earnings coverage of net charge-offs (x) | 44.4008% | 1,339 |
| Efficiency ratio | 46.0470% | 4,376 |
| Assets per employee ($millions) | 7.5023% | 1,609 |
| Cash dividends to net income (ytd only)* | 96.7434% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4081% | 253 |
| Loan loss allowance to noncurrent loans | 103.3609% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 465 |
| Noncurrent loans to loans | 2.3298% | 241 |
| Net loans and leases to total assets | 40.6300% | 4,047 |
| Net loans and leases to deposits | 44.0271% | 4,109 |
| Net loans and leases to core deposits | 44.5577% | 4,163 |
| Total domestic deposits to total assets | 92.2900% | 783 |
| Equity capital to assets | 5.1899% | 4,240 |
| Core capital (leverage) ratio | 11.5614% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3033% | 474 |
| Memoranda: | ||
| Average total assets | $644,539,750 | 1,389 |
| Average earning assets | $621,526,750 | 1,352 |
| Average equity | $51,948,250 | 1,594 |
| Average total loans | $247,367,000 | 1,955 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8372% | 3,925 |
| Cost of funding earning assets | 0.0817% | 4,361 |
| Net interest margin | 2.7555% | 3,561 |
| Noninterest income to average assets | 1.3234% | 404 |
| Noninterest expense to average assets | 1.8833% | 3,745 |
| Loan and lease loss provision to assets | 0.0307% | 2,041 |
| Net operating income to assets | 2.0690% | 199 |
| Return on assets (ROA) | 2.0690% | 201 |
| Pretax return on assets | 2.0690% | 324 |
| Return on Equity (ROE) | 23.0561% | 162 |
| Retained earnings to average equity (ytd only) | -2.1781% | 4,396 |
| Net charge-offs to loans | 0.1865% | 347 |
| Credit loss provision to net charge-offs | 44.0529% | 1,519 |
| Earnings coverage of net charge-offs (x) | 30.1454% | 1,388 |
| Efficiency ratio | 47.2845% | 4,385 |
| Assets per employee ($millions) | 7.3416% | 1,704 |
| Cash dividends to net income (ytd only)* | 109.4468% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5428% | 245 |
| Loan loss allowance to noncurrent loans | 79.1300% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.2562% | 329 |
| Noncurrent loans to loans | 3.2134% | 152 |
| Net loans and leases to total assets | 38.0980% | 4,163 |
| Net loans and leases to deposits | 41.3729% | 4,212 |
| Net loans and leases to core deposits | 42.0306% | 4,263 |
| Total domestic deposits to total assets | 92.0844% | 805 |
| Equity capital to assets | 5.9556% | 4,213 |
| Core capital (leverage) ratio | 11.3718% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6028% | 441 |
| Memoranda: | ||
| Average total assets | $651,821,333 | 1,383 |
| Average earning assets | $629,138,333 | 1,353 |
| Average equity | $58,492,000 | 1,464 |
| Average total loans | $243,405,000 | 1,976 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7283% | 3,887 |
| Cost of funding earning assets | 0.0740% | 4,412 |
| Net interest margin | 2.6543% | 3,513 |
| Noninterest income to average assets | 1.5550% | 339 |
| Noninterest expense to average assets | 1.8500% | 3,810 |
| Loan and lease loss provision to assets | 0.0150% | 2,082 |
| Net operating income to assets | 2.2538% | 155 |
| Return on assets (ROA) | 2.2538% | 152 |
| Pretax return on assets | 2.2538% | 241 |
| Return on Equity (ROE) | 21.6960% | 173 |
| Retained earnings to average equity (ytd only) | 6.7731% | 1,969 |
| Net charge-offs to loans | 0.0921% | 555 |
| Credit loss provision to net charge-offs | 44.6429% | 1,215 |
| Earnings coverage of net charge-offs (x) | 67.4286% | 810 |
| Efficiency ratio | 44.9161% | 4,531 |
| Assets per employee ($millions) | 7.5932% | 1,630 |
| Cash dividends to net income (ytd only)* | 68.7817% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6479% | 248 |
| Loan loss allowance to noncurrent loans | 86.7511% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 421 |
| Noncurrent loans to loans | 3.0523% | 171 |
| Net loans and leases to total assets | 35.4639% | 4,242 |
| Net loans and leases to deposits | 39.7097% | 4,258 |
| Net loans and leases to core deposits | 40.3696% | 4,302 |
| Total domestic deposits to total assets | 89.3078% | 1,920 |
| Equity capital to assets | 9.1106% | 2,616 |
| Core capital (leverage) ratio | 11.5584% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3746% | 409 |
| Memoranda: | ||
| Average total assets | $665,715,500 | 1,374 |
| Average earning assets | $643,040,500 | 1,342 |
| Average equity | $69,155,500 | 1,344 |
| Average total loans | $243,134,000 | 1,975 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0846% | 3,713 |
| Cost of funding earning assets | 0.0854% | 4,494 |
| Net interest margin | 2.9992% | 3,195 |
| Noninterest income to average assets | 0.8331% | 1,365 |
| Noninterest expense to average assets | 1.7522% | 4,224 |
| Loan and lease loss provision to assets | 0.0445% | 2,168 |
| Net operating income to assets | 1.9293% | 387 |
| Return on assets (ROA) | 1.9299% | 409 |
| Pretax return on assets | 1.9299% | 685 |
| Return on Equity (ROE) | 15.4004% | 860 |
| Retained earnings to average equity (ytd only) | -0.4510% | 4,540 |
| Net charge-offs to loans | 0.0904% | 915 |
| Credit loss provision to net charge-offs | 122.4576% | 1,633 |
| Earnings coverage of net charge-offs (x) | 54.3136% | 1,251 |
| Efficiency ratio | 47.0265% | 4,454 |
| Assets per employee ($millions) | 7.7978% | 1,438 |
| Cash dividends to net income (ytd only)* | 102.9283% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5485% | 258 |
| Loan loss allowance to noncurrent loans | 84.2540% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1074% | 471 |
| Noncurrent loans to loans | 3.0248% | 192 |
| Net loans and leases to total assets | 35.6794% | 4,302 |
| Net loans and leases to deposits | 41.1325% | 4,303 |
| Net loans and leases to core deposits | 41.8283% | 4,342 |
| Total domestic deposits to total assets | 86.7426% | 2,600 |
| Equity capital to assets | 11.6179% | 1,443 |
| Core capital (leverage) ratio | 11.6457% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0809% | 440 |
| Memoranda: | ||
| Average total assets | $649,403,600 | 1,364 |
| Average earning assets | $626,403,800 | 1,331 |
| Average equity | $81,381,000 | 1,189 |
| Average total loans | $261,170,400 | 1,875 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2143% | 3,579 |
| Cost of funding earning assets | 0.0883% | 4,587 |
| Net interest margin | 3.1260% | 2,981 |
| Noninterest income to average assets | 0.8332% | 1,431 |
| Noninterest expense to average assets | 1.7717% | 4,218 |
| Loan and lease loss provision to assets | 0.0779% | 1,511 |
| Net operating income to assets | 1.9959% | 468 |
| Return on assets (ROA) | 1.9968% | 494 |
| Pretax return on assets | 1.9968% | 802 |
| Return on Equity (ROE) | 15.6328% | 1,016 |
| Retained earnings to average equity (ytd only) | -5.3366% | 4,788 |
| Net charge-offs to loans | 0.0111% | 1,917 |
| Credit loss provision to net charge-offs | 1,704.5455% | 366 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 322 |
| Efficiency ratio | 46.0720% | 4,501 |
| Assets per employee ($millions) | 7.5109% | 1,563 |
| Cash dividends to net income (ytd only)* | 134.1375% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5828% | 252 |
| Loan loss allowance to noncurrent loans | 84.1264% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 480 |
| Noncurrent loans to loans | 3.0701% | 212 |
| Net loans and leases to total assets | 38.7141% | 4,268 |
| Net loans and leases to deposits | 44.9972% | 4,277 |
| Net loans and leases to core deposits | 45.7806% | 4,332 |
| Total domestic deposits to total assets | 86.0367% | 2,735 |
| Equity capital to assets | 12.3113% | 1,255 |
| Core capital (leverage) ratio | 11.4823% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6183% | 502 |
| Memoranda: | ||
| Average total assets | $642,151,500 | 1,392 |
| Average earning assets | $618,798,250 | 1,353 |
| Average equity | $82,022,000 | 1,197 |
| Average total loans | $264,367,250 | 1,889 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4089% | 3,159 |
| Cost of funding earning assets | 0.0904% | 4,637 |
| Net interest margin | 3.3185% | 2,390 |
| Noninterest income to average assets | 0.7880% | 1,570 |
| Noninterest expense to average assets | 1.7863% | 4,212 |
| Loan and lease loss provision to assets | 0.0702% | 1,648 |
| Net operating income to assets | 2.1277% | 381 |
| Return on assets (ROA) | 2.1277% | 403 |
| Pretax return on assets | 2.1277% | 654 |
| Return on Equity (ROE) | 16.4577% | 869 |
| Retained earnings to average equity (ytd only) | -6.8964% | 4,828 |
| Net charge-offs to loans | -0.0247% | 4,073 |
| Credit loss provision to net charge-offs | -681.8182% | 3,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8343% | 4,577 |
| Assets per employee ($millions) | 7.3018% | 1,592 |
| Cash dividends to net income (ytd only)* | 141.9038% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4839% | 283 |
| Loan loss allowance to noncurrent loans | 69.0293% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.5168% | 368 |
| Noncurrent loans to loans | 3.5983% | 173 |
| Net loans and leases to total assets | 39.4792% | 4,310 |
| Net loans and leases to deposits | 45.8556% | 4,316 |
| Net loans and leases to core deposits | 46.6201% | 4,377 |
| Total domestic deposits to total assets | 86.0945% | 2,709 |
| Equity capital to assets | 12.2776% | 1,232 |
| Core capital (leverage) ratio | 11.5168% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6658% | 393 |
| Memoranda: | ||
| Average total assets | $640,888,333 | 1,388 |
| Average earning assets | $617,266,000 | 1,350 |
| Average equity | $82,854,667 | 1,187 |
| Average total loans | $266,923,000 | 1,889 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 2,125 |
| Cost of funding earning assets | 0.0902% | 4,704 |
| Net interest margin | 3.7026% | 1,324 |
| Noninterest income to average assets | 0.7498% | 1,711 |
| Noninterest expense to average assets | 1.7982% | 4,219 |
| Loan and lease loss provision to assets | 0.0786% | 1,630 |
| Net operating income to assets | 2.4343% | 292 |
| Return on assets (ROA) | 2.4343% | 316 |
| Pretax return on assets | 2.4343% | 494 |
| Return on Equity (ROE) | 18.3580% | 681 |
| Retained earnings to average equity (ytd only) | 3.0715% | 3,758 |
| Net charge-offs to loans | -0.0015% | 3,082 |
| Credit loss provision to net charge-offs | -12,500.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7116% | 4,682 |
| Assets per employee ($millions) | 7.2526% | 1,612 |
| Cash dividends to net income (ytd only)* | 83.2688% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3871% | 312 |
| Loan loss allowance to noncurrent loans | 72.1221% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.3601% | 505 |
| Noncurrent loans to loans | 3.3098% | 221 |
| Net loans and leases to total assets | 40.1134% | 4,333 |
| Net loans and leases to deposits | 46.7521% | 4,314 |
| Net loans and leases to core deposits | 47.4372% | 4,391 |
| Total domestic deposits to total assets | 85.8002% | 2,812 |
| Equity capital to assets | 12.6460% | 1,015 |
| Core capital (leverage) ratio | 12.4176% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9184% | 410 |
| Memoranda: | ||
| Average total assets | $636,403,000 | 1,382 |
| Average earning assets | $612,118,500 | 1,349 |
| Average equity | $84,388,500 | 1,156 |
| Average total loans | $268,837,500 | 1,881 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4733% | 4,074 |
| Cost of funding earning assets | 0.1384% | 4,761 |
| Net interest margin | 3.3349% | 2,972 |
| Noninterest income to average assets | 0.9183% | 1,222 |
| Noninterest expense to average assets | 1.8554% | 4,384 |
| Loan and lease loss provision to assets | 0.1550% | 2,430 |
| Net operating income to assets | 2.1040% | 217 |
| Return on assets (ROA) | 2.1363% | 218 |
| Pretax return on assets | 2.1363% | 341 |
| Return on Equity (ROE) | 16.6472% | 443 |
| Retained earnings to average equity (ytd only) | 4.5255% | 2,518 |
| Net charge-offs to loans | 0.0942% | 1,519 |
| Credit loss provision to net charge-offs | 362.9213% | 1,553 |
| Earnings coverage of net charge-offs (x) | 52.8839% | 1,146 |
| Efficiency ratio | 45.0947% | 4,753 |
| Assets per employee ($millions) | 6.8897% | 1,653 |
| Cash dividends to net income (ytd only)* | 72.8151% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3297% | 336 |
| Loan loss allowance to noncurrent loans | 76.4742% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 603 |
| Noncurrent loans to loans | 3.0463% | 279 |
| Net loans and leases to total assets | 42.4404% | 4,326 |
| Net loans and leases to deposits | 50.2782% | 4,304 |
| Net loans and leases to core deposits | 51.1050% | 4,384 |
| Total domestic deposits to total assets | 84.4112% | 2,978 |
| Equity capital to assets | 13.9068% | 817 |
| Core capital (leverage) ratio | 12.6235% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8737% | 398 |
| Memoranda: | ||
| Average total assets | $625,051,800 | 1,291 |
| Average earning assets | $599,028,600 | 1,265 |
| Average equity | $80,211,600 | 1,158 |
| Average total loans | $283,358,800 | 1,753 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 3,991 |
| Cost of funding earning assets | 0.1502% | 4,804 |
| Net interest margin | 3.4577% | 2,732 |
| Noninterest income to average assets | 0.9782% | 1,064 |
| Noninterest expense to average assets | 1.8870% | 4,346 |
| Loan and lease loss provision to assets | 0.1744% | 2,240 |
| Net operating income to assets | 2.2308% | 195 |
| Return on assets (ROA) | 2.2738% | 195 |
| Pretax return on assets | 2.2738% | 297 |
| Return on Equity (ROE) | 18.0938% | 356 |
| Retained earnings to average equity (ytd only) | 1.6229% | 4,048 |
| Net charge-offs to loans | 0.1455% | 1,004 |
| Credit loss provision to net charge-offs | 261.6613% | 1,887 |
| Earnings coverage of net charge-offs (x) | 36.0958% | 1,436 |
| Efficiency ratio | 43.9639% | 4,789 |
| Assets per employee ($millions) | 6.6759% | 1,690 |
| Cash dividends to net income (ytd only)* | 91.0308% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0920% | 425 |
| Loan loss allowance to noncurrent loans | 74.1405% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 702 |
| Noncurrent loans to loans | 2.8217% | 349 |
| Net loans and leases to total assets | 45.8391% | 4,322 |
| Net loans and leases to deposits | 54.0722% | 4,334 |
| Net loans and leases to core deposits | 54.9458% | 4,415 |
| Total domestic deposits to total assets | 84.7739% | 2,520 |
| Equity capital to assets | 13.4837% | 1,007 |
| Core capital (leverage) ratio | 12.1000% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2811% | 497 |
| Memoranda: | ||
| Average total assets | $626,296,750 | 1,278 |
| Average earning assets | $600,273,000 | 1,242 |
| Average equity | $78,706,500 | 1,167 |
| Average total loans | $286,839,000 | 1,738 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8086% | 3,844 |
| Cost of funding earning assets | 0.1667% | 4,844 |
| Net interest margin | 3.6419% | 2,342 |
| Noninterest income to average assets | 1.1310% | 780 |
| Noninterest expense to average assets | 1.9150% | 4,390 |
| Loan and lease loss provision to assets | 0.2238% | 1,867 |
| Net operating income to assets | 2.4782% | 147 |
| Return on assets (ROA) | 2.5426% | 142 |
| Pretax return on assets | 2.5426% | 200 |
| Return on Equity (ROE) | 20.7303% | 213 |
| Retained earnings to average equity (ytd only) | 3.8683% | 2,976 |
| Net charge-offs to loans | 0.0091% | 2,619 |
| Credit loss provision to net charge-offs | 5,407.6923% | 220 |
| Earnings coverage of net charge-offs (x) | 652.7692% | 153 |
| Efficiency ratio | 41.4759% | 4,872 |
| Assets per employee ($millions) | 7.2471% | 1,298 |
| Cash dividends to net income (ytd only)* | 81.3400% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1099% | 369 |
| Loan loss allowance to noncurrent loans | 62.7693% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5651% | 581 |
| Noncurrent loans to loans | 3.3613% | 250 |
| Net loans and leases to total assets | 45.5785% | 4,384 |
| Net loans and leases to deposits | 53.5052% | 4,398 |
| Net loans and leases to core deposits | 54.4214% | 4,483 |
| Total domestic deposits to total assets | 85.1852% | 2,318 |
| Equity capital to assets | 13.0882% | 1,132 |
| Core capital (leverage) ratio | 11.8163% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0533% | 497 |
| Memoranda: | ||
| Average total assets | $628,108,000 | 1,255 |
| Average earning assets | $601,219,333 | 1,223 |
| Average equity | $77,037,000 | 1,176 |
| Average total loans | $285,559,000 | 1,722 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 4,539 |
| Cost of funding earning assets | 0.2055% | 4,878 |
| Net interest margin | 3.3853% | 3,344 |
| Noninterest income to average assets | 1.3689% | 474 |
| Noninterest expense to average assets | 2.0003% | 4,391 |
| Loan and lease loss provision to assets | 0.0898% | 2,561 |
| Net operating income to assets | 2.5131% | 108 |
| Return on assets (ROA) | 2.5176% | 112 |
| Pretax return on assets | 2.5176% | 156 |
| Return on Equity (ROE) | 21.2568% | 129 |
| Retained earnings to average equity (ytd only) | -0.6556% | 4,099 |
| Net charge-offs to loans | 0.0129% | 2,128 |
| Credit loss provision to net charge-offs | 1,555.5556% | 413 |
| Earnings coverage of net charge-offs (x) | 450.6667% | 144 |
| Efficiency ratio | 43.4546% | 4,898 |
| Assets per employee ($millions) | 6.9637% | 1,109 |
| Cash dividends to net income (ytd only)* | 103.0844% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 459 |
| Loan loss allowance to noncurrent loans | 61.7399% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 736 |
| Noncurrent loans to loans | 3.3466% | 293 |
| Net loans and leases to total assets | 43.1541% | 4,540 |
| Net loans and leases to deposits | 49.7990% | 4,596 |
| Net loans and leases to core deposits | 50.6504% | 4,659 |
| Total domestic deposits to total assets | 86.6564% | 1,711 |
| Equity capital to assets | 11.3496% | 2,552 |
| Core capital (leverage) ratio | 11.8623% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7908% | 664 |
| Memoranda: | ||
| Average total assets | $623,291,500 | 1,224 |
| Average earning assets | $595,521,500 | 1,196 |
| Average equity | $73,821,000 | 1,218 |
| Average total loans | $279,869,500 | 1,716 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 4,768 |
| Cost of funding earning assets | 0.2483% | 4,857 |
| Net interest margin | 3.3623% | 3,844 |
| Noninterest income to average assets | 1.1237% | 749 |
| Noninterest expense to average assets | 1.9095% | 4,652 |
| Loan and lease loss provision to assets | 0.0960% | 2,121 |
| Net operating income to assets | 2.3283% | 177 |
| Return on assets (ROA) | 2.3320% | 187 |
| Pretax return on assets | 2.3320% | 284 |
| Return on Equity (ROE) | 19.8012% | 225 |
| Retained earnings to average equity (ytd only) | 1.2448% | 4,295 |
| Net charge-offs to loans | 0.1628% | 1,232 |
| Credit loss provision to net charge-offs | 130.5310% | 1,957 |
| Earnings coverage of net charge-offs (x) | 32.9624% | 1,481 |
| Efficiency ratio | 44.0602% | 4,973 |
| Assets per employee ($millions) | 7.2924% | 937 |
| Cash dividends to net income (ytd only)* | 93.7134% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9660% | 478 |
| Loan loss allowance to noncurrent loans | 47.6577% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.9243% | 424 |
| Noncurrent loans to loans | 4.1252% | 157 |
| Net loans and leases to total assets | 44.8491% | 4,563 |
| Net loans and leases to deposits | 52.3510% | 4,597 |
| Net loans and leases to core deposits | 53.3312% | 4,667 |
| Total domestic deposits to total assets | 85.6700% | 2,209 |
| Equity capital to assets | 12.3434% | 1,924 |
| Core capital (leverage) ratio | 12.0011% | 1,781 |
| Tier 1 risk-based capital ratio | 20.3251% | 1,274 |
| Total risk-based capital ratio | 21.5785% | 1,248 |
| Memoranda: | ||
| Average total assets | $614,572,400 | 1,203 |
| Average earning assets | $586,748,000 | 1,183 |
| Average equity | $72,379,600 | 1,191 |
| Average total loans | $277,566,200 | 1,700 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,882 |
| Cost of funding earning assets | 0.2555% | 4,912 |
| Net interest margin | 3.3451% | 4,000 |
| Noninterest income to average assets | 1.0851% | 780 |
| Noninterest expense to average assets | 1.9006% | 4,700 |
| Loan and lease loss provision to assets | 0.0848% | 2,212 |
| Net operating income to assets | 2.2933% | 222 |
| Return on assets (ROA) | 2.2985% | 231 |
| Pretax return on assets | 2.2985% | 370 |
| Return on Equity (ROE) | 19.7565% | 267 |
| Retained earnings to average equity (ytd only) | -5.3428% | 5,068 |
| Net charge-offs to loans | 0.1067% | 1,397 |
| Credit loss provision to net charge-offs | 176.4706% | 1,450 |
| Earnings coverage of net charge-offs (x) | 49.4931% | 1,206 |
| Efficiency ratio | 44.4207% | 4,996 |
| Assets per employee ($millions) | 7.0861% | 994 |
| Cash dividends to net income (ytd only)* | 127.0431% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 464 |
| Loan loss allowance to noncurrent loans | 57.6630% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.5591% | 692 |
| Noncurrent loans to loans | 3.4860% | 234 |
| Net loans and leases to total assets | 43.8248% | 4,699 |
| Net loans and leases to deposits | 50.8950% | 4,750 |
| Net loans and leases to core deposits | 51.8738% | 4,798 |
| Total domestic deposits to total assets | 86.1083% | 1,944 |
| Equity capital to assets | 11.6616% | 2,547 |
| Core capital (leverage) ratio | 11.7579% | 2,039 |
| Tier 1 risk-based capital ratio | 19.2619% | 1,516 |
| Total risk-based capital ratio | 20.5155% | 1,481 |
| Memoranda: | ||
| Average total assets | $613,252,000 | 1,204 |
| Average earning assets | $585,476,000 | 1,181 |
| Average equity | $71,346,750 | 1,199 |
| Average total loans | $276,064,250 | 1,720 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 4,934 |
| Cost of funding earning assets | 0.2606% | 4,923 |
| Net interest margin | 3.3348% | 4,068 |
| Noninterest income to average assets | 1.0872% | 718 |
| Noninterest expense to average assets | 1.9071% | 4,737 |
| Loan and lease loss provision to assets | 0.0558% | 2,709 |
| Net operating income to assets | 2.3096% | 211 |
| Return on assets (ROA) | 2.3161% | 219 |
| Pretax return on assets | 2.3161% | 348 |
| Return on Equity (ROE) | 19.9240% | 263 |
| Retained earnings to average equity (ytd only) | -5.2138% | 5,064 |
| Net charge-offs to loans | 0.0422% | 2,053 |
| Credit loss provision to net charge-offs | 293.1034% | 920 |
| Earnings coverage of net charge-offs (x) | 124.3448% | 592 |
| Efficiency ratio | 44.6381% | 5,044 |
| Assets per employee ($millions) | 6.9306% | 1,035 |
| Cash dividends to net income (ytd only)* | 126.1682% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9649% | 505 |
| Loan loss allowance to noncurrent loans | 54.3168% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 632 |
| Noncurrent loans to loans | 3.6174% | 223 |
| Net loans and leases to total assets | 45.3946% | 4,664 |
| Net loans and leases to deposits | 52.8205% | 4,717 |
| Net loans and leases to core deposits | 53.7235% | 4,788 |
| Total domestic deposits to total assets | 85.9414% | 2,063 |
| Equity capital to assets | 11.9738% | 2,203 |
| Core capital (leverage) ratio | 11.7951% | 1,950 |
| Tier 1 risk-based capital ratio | 19.6402% | 1,414 |
| Total risk-based capital ratio | 20.8939% | 1,387 |
| Memoranda: | ||
| Average total assets | $609,811,330 | 1,210 |
| Average earning assets | $582,469,000 | 1,179 |
| Average equity | $70,889,330 | 1,200 |
| Average total loans | $275,123,670 | 1,733 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 4,991 |
| Cost of funding earning assets | 0.2592% | 4,957 |
| Net interest margin | 3.3037% | 4,150 |
| Noninterest income to average assets | 0.9951% | 820 |
| Noninterest expense to average assets | 1.8702% | 4,836 |
| Loan and lease loss provision to assets | 0.0394% | 2,839 |
| Net operating income to assets | 2.2382% | 254 |
| Return on assets (ROA) | 2.2382% | 267 |
| Pretax return on assets | 2.2382% | 410 |
| Return on Equity (ROE) | 19.5474% | 290 |
| Retained earnings to average equity (ytd only) | 2.5322% | 3,913 |
| Net charge-offs to loans | 0.0943% | 1,194 |
| Credit loss provision to net charge-offs | 93.7500% | 1,682 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 977 |
| Efficiency ratio | 45.0894% | 5,064 |
| Assets per employee ($millions) | 6.7290% | 1,125 |
| Cash dividends to net income (ytd only)* | 87.0457% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 500 |
| Loan loss allowance to noncurrent loans | 59.2153% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.5832% | 730 |
| Noncurrent loans to loans | 3.3791% | 278 |
| Net loans and leases to total assets | 43.9381% | 4,752 |
| Net loans and leases to deposits | 50.9625% | 4,786 |
| Net loans and leases to core deposits | 51.8193% | 4,844 |
| Total domestic deposits to total assets | 86.2166% | 2,176 |
| Equity capital to assets | 11.8252% | 2,136 |
| Core capital (leverage) ratio | 12.2391% | 1,637 |
| Tier 1 risk-based capital ratio | 21.2399% | 1,135 |
| Total risk-based capital ratio | 22.4939% | 1,118 |
| Memoranda: | ||
| Average total assets | $609,769,000 | 1,210 |
| Average earning assets | $581,893,000 | 1,183 |
| Average equity | $69,820,000 | 1,208 |
| Average total loans | $271,481,000 | 1,755 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5321% | 4,883 |
| Cost of funding earning assets | 0.2237% | 4,908 |
| Net interest margin | 3.3083% | 4,233 |
| Noninterest income to average assets | 1.1027% | 760 |
| Noninterest expense to average assets | 1.8711% | 4,930 |
| Loan and lease loss provision to assets | 0.0406% | 3,380 |
| Net operating income to assets | 2.3609% | 189 |
| Return on assets (ROA) | 2.3621% | 185 |
| Pretax return on assets | 2.3621% | 265 |
| Return on Equity (ROE) | 22.2263% | 147 |
| Retained earnings to average equity (ytd only) | 8.7494% | 954 |
| Net charge-offs to loans | 0.0657% | 2,181 |
| Credit loss provision to net charge-offs | 139.2045% | 1,938 |
| Earnings coverage of net charge-offs (x) | 82.4261% | 851 |
| Efficiency ratio | 43.7931% | 5,187 |
| Assets per employee ($millions) | 6.8215% | 1,060 |
| Cash dividends to net income (ytd only)* | 60.6349% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 468 |
| Loan loss allowance to noncurrent loans | 135.0807% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 1,922 |
| Noncurrent loans to loans | 1.4828% | 1,029 |
| Net loans and leases to total assets | 43.3273% | 4,837 |
| Net loans and leases to deposits | 49.8582% | 4,888 |
| Net loans and leases to core deposits | 50.7125% | 4,924 |
| Total domestic deposits to total assets | 86.9010% | 1,826 |
| Equity capital to assets | 11.0804% | 2,607 |
| Core capital (leverage) ratio | 12.0299% | 1,716 |
| Tier 1 risk-based capital ratio | 21.3622% | 1,115 |
| Total risk-based capital ratio | 22.6164% | 1,095 |
| Memoranda: | ||
| Average total assets | $604,089,400 | 1,195 |
| Average earning assets | $578,810,600 | 1,161 |
| Average equity | $64,198,800 | 1,247 |
| Average total loans | $267,866,800 | 1,740 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 4,920 |
| Cost of funding earning assets | 0.2184% | 4,950 |
| Net interest margin | 3.2905% | 4,304 |
| Noninterest income to average assets | 1.1347% | 731 |
| Noninterest expense to average assets | 1.8414% | 4,993 |
| Loan and lease loss provision to assets | 0.0499% | 2,992 |
| Net operating income to assets | 2.3992% | 185 |
| Return on assets (ROA) | 2.4008% | 186 |
| Pretax return on assets | 2.4008% | 279 |
| Return on Equity (ROE) | 22.8387% | 142 |
| Retained earnings to average equity (ytd only) | 4.5981% | 3,448 |
| Net charge-offs to loans | 0.0130% | 2,962 |
| Credit loss provision to net charge-offs | 865.3846% | 460 |
| Earnings coverage of net charge-offs (x) | 424.9870% | 221 |
| Efficiency ratio | 42.9184% | 5,253 |
| Assets per employee ($millions) | 6.6362% | 1,122 |
| Cash dividends to net income (ytd only)* | 79.8671% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0141% | 474 |
| Loan loss allowance to noncurrent loans | 122.1101% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 1,760 |
| Noncurrent loans to loans | 1.6494% | 954 |
| Net loans and leases to total assets | 45.8554% | 4,812 |
| Net loans and leases to deposits | 52.5001% | 4,872 |
| Net loans and leases to core deposits | 53.4036% | 4,926 |
| Total domestic deposits to total assets | 87.3436% | 1,578 |
| Equity capital to assets | 10.5667% | 3,079 |
| Core capital (leverage) ratio | 11.4334% | 2,224 |
| Tier 1 risk-based capital ratio | 20.2948% | 1,279 |
| Total risk-based capital ratio | 21.5494% | 1,256 |
| Memoranda: | ||
| Average total assets | $601,628,750 | 1,196 |
| Average earning assets | $576,999,250 | 1,169 |
| Average equity | $63,242,000 | 1,262 |
| Average total loans | $266,974,250 | 1,751 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4571% | 4,970 |
| Cost of funding earning assets | 0.2063% | 4,999 |
| Net interest margin | 3.2508% | 4,382 |
| Noninterest income to average assets | 0.9853% | 987 |
| Noninterest expense to average assets | 1.8639% | 5,011 |
| Loan and lease loss provision to assets | 0.0248% | 3,421 |
| Net operating income to assets | 2.2151% | 247 |
| Return on assets (ROA) | 2.2168% | 237 |
| Pretax return on assets | 2.2168% | 376 |
| Return on Equity (ROE) | 21.1242% | 198 |
| Retained earnings to average equity (ytd only) | 0.5888% | 4,841 |
| Net charge-offs to loans | 0.0243% | 2,377 |
| Credit loss provision to net charge-offs | 234.3750% | 1,186 |
| Earnings coverage of net charge-offs (x) | 211.8438% | 406 |
| Efficiency ratio | 45.4187% | 5,234 |
| Assets per employee ($millions) | 6.9469% | 949 |
| Cash dividends to net income (ytd only)* | 97.2127% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9775% | 536 |
| Loan loss allowance to noncurrent loans | 96.8325% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 1,351 |
| Noncurrent loans to loans | 2.0422% | 726 |
| Net loans and leases to total assets | 44.8951% | 4,871 |
| Net loans and leases to deposits | 51.2844% | 4,934 |
| Net loans and leases to core deposits | 52.0152% | 4,995 |
| Total domestic deposits to total assets | 87.5414% | 1,623 |
| Equity capital to assets | 10.3083% | 3,330 |
| Core capital (leverage) ratio | 11.1266% | 2,413 |
| Tier 1 risk-based capital ratio | 19.8951% | 1,338 |
| Total risk-based capital ratio | 21.1492% | 1,314 |
| Memoranda: | ||
| Average total assets | $605,298,670 | 1,199 |
| Average earning assets | $580,659,670 | 1,157 |
| Average equity | $63,519,670 | 1,261 |
| Average total loans | $263,833,000 | 1,771 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 5,038 |
| Cost of funding earning assets | 0.1944% | 5,044 |
| Net interest margin | 3.1946% | 4,479 |
| Noninterest income to average assets | 0.9448% | 1,035 |
| Noninterest expense to average assets | 1.8745% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1351% | 272 |
| Return on assets (ROA) | 2.1351% | 274 |
| Pretax return on assets | 2.1351% | 432 |
| Return on Equity (ROE) | 20.1715% | 237 |
| Retained earnings to average equity (ytd only) | 6.0663% | 2,682 |
| Net charge-offs to loans | -0.0154% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7496% | 5,242 |
| Assets per employee ($millions) | 6.8809% | 1,011 |
| Cash dividends to net income (ytd only)* | 69.9262% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0414% | 496 |
| Loan loss allowance to noncurrent loans | 90.7679% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 1,380 |
| Noncurrent loans to loans | 2.2490% | 658 |
| Net loans and leases to total assets | 42.1409% | 4,977 |
| Net loans and leases to deposits | 48.1146% | 5,037 |
| Net loans and leases to core deposits | 48.7963% | 5,077 |
| Total domestic deposits to total assets | 87.5843% | 1,856 |
| Equity capital to assets | 10.3060% | 3,274 |
| Core capital (leverage) ratio | 11.3398% | 2,131 |
| Tier 1 risk-based capital ratio | 20.1312% | 1,320 |
| Total risk-based capital ratio | 21.3853% | 1,290 |
| Memoranda: | ||
| Average total assets | $609,231,500 | 1,202 |
| Average earning assets | $584,489,000 | 1,160 |
| Average equity | $64,487,000 | 1,250 |
| Average total loans | $258,935,000 | 1,800 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3207% | 5,063 |
| Cost of funding earning assets | 0.1790% | 5,101 |
| Net interest margin | 3.1417% | 4,598 |
| Noninterest income to average assets | 1.0072% | 1,006 |
| Noninterest expense to average assets | 1.8692% | 5,161 |
| Loan and lease loss provision to assets | 0.1001% | 2,221 |
| Net operating income to assets | 2.0441% | 255 |
| Return on assets (ROA) | 2.0463% | 262 |
| Pretax return on assets | 2.0463% | 441 |
| Return on Equity (ROE) | 19.2335% | 227 |
| Retained earnings to average equity (ytd only) | 7.3699% | 964 |
| Net charge-offs to loans | 0.2239% | 1,158 |
| Credit loss provision to net charge-offs | 102.7397% | 2,489 |
| Earnings coverage of net charge-offs (x) | 22.0171% | 1,870 |
| Efficiency ratio | 46.5741% | 5,378 |
| Assets per employee ($millions) | 7.1301% | 920 |
| Cash dividends to net income (ytd only)* | 61.6820% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1099% | 440 |
| Loan loss allowance to noncurrent loans | 101.2639% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 1,525 |
| Noncurrent loans to loans | 2.0836% | 721 |
| Net loans and leases to total assets | 41.0937% | 5,094 |
| Net loans and leases to deposits | 47.2209% | 5,153 |
| Net loans and leases to core deposits | 47.9536% | 5,191 |
| Total domestic deposits to total assets | 87.0243% | 1,987 |
| Equity capital to assets | 10.8669% | 2,767 |
| Core capital (leverage) ratio | 11.0610% | 2,278 |
| Tier 1 risk-based capital ratio | 20.9933% | 1,146 |
| Total risk-based capital ratio | 22.2485% | 1,126 |
| Memoranda: | ||
| Average total assets | $599,664,200 | 1,192 |
| Average earning assets | $573,796,600 | 1,155 |
| Average equity | $63,800,200 | 1,242 |
| Average total loans | $260,777,600 | 1,758 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3166% | 5,090 |
| Cost of funding earning assets | 0.1748% | 5,167 |
| Net interest margin | 3.1418% | 4,598 |
| Noninterest income to average assets | 0.7945% | 1,613 |
| Noninterest expense to average assets | 1.7837% | 5,290 |
| Loan and lease loss provision to assets | 0.0892% | 2,291 |
| Net operating income to assets | 1.9262% | 362 |
| Return on assets (ROA) | 1.9291% | 367 |
| Pretax return on assets | 1.9291% | 638 |
| Return on Equity (ROE) | 18.2302% | 315 |
| Retained earnings to average equity (ytd only) | 2.2838% | 4,500 |
| Net charge-offs to loans | 0.0290% | 2,850 |
| Credit loss provision to net charge-offs | 701.7544% | 481 |
| Earnings coverage of net charge-offs (x) | 158.5925% | 518 |
| Efficiency ratio | 46.9515% | 5,387 |
| Assets per employee ($millions) | 7.0147% | 947 |
| Cash dividends to net income (ytd only)* | 87.4726% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1509% | 439 |
| Loan loss allowance to noncurrent loans | 60.5787% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.5767% | 947 |
| Noncurrent loans to loans | 3.5506% | 307 |
| Net loans and leases to total assets | 43.4516% | 5,056 |
| Net loans and leases to deposits | 49.9818% | 5,127 |
| Net loans and leases to core deposits | 50.6881% | 5,176 |
| Total domestic deposits to total assets | 86.9350% | 1,889 |
| Equity capital to assets | 10.9513% | 2,910 |
| Core capital (leverage) ratio | 10.7264% | 2,728 |
| Tier 1 risk-based capital ratio | 19.5261% | 1,472 |
| Total risk-based capital ratio | 20.7822% | 1,436 |
| Memoranda: | ||
| Average total assets | $598,064,750 | 1,202 |
| Average earning assets | $571,935,500 | 1,168 |
| Average equity | $63,285,250 | 1,259 |
| Average total loans | $262,366,750 | 1,759 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2973% | 5,113 |
| Cost of funding earning assets | 0.1665% | 5,230 |
| Net interest margin | 3.1308% | 4,600 |
| Noninterest income to average assets | 0.7777% | 1,654 |
| Noninterest expense to average assets | 1.8013% | 5,309 |
| Loan and lease loss provision to assets | 0.1002% | 2,009 |
| Net operating income to assets | 1.8725% | 393 |
| Return on assets (ROA) | 1.8745% | 404 |
| Pretax return on assets | 1.8745% | 698 |
| Return on Equity (ROE) | 17.9223% | 340 |
| Retained earnings to average equity (ytd only) | 0.0032% | 5,070 |
| Net charge-offs to loans | 0.0336% | 2,517 |
| Credit loss provision to net charge-offs | 681.8182% | 514 |
| Earnings coverage of net charge-offs (x) | 134.2045% | 537 |
| Efficiency ratio | 47.7295% | 5,403 |
| Assets per employee ($millions) | 6.8557% | 983 |
| Cash dividends to net income (ytd only)* | 99.9822% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1233% | 489 |
| Loan loss allowance to noncurrent loans | 84.5980% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 1,564 |
| Noncurrent loans to loans | 2.5099% | 594 |
| Net loans and leases to total assets | 43.3410% | 5,076 |
| Net loans and leases to deposits | 49.7671% | 5,149 |
| Net loans and leases to core deposits | 50.4926% | 5,207 |
| Total domestic deposits to total assets | 87.0876% | 1,905 |
| Equity capital to assets | 10.8311% | 3,000 |
| Core capital (leverage) ratio | 10.4171% | 3,007 |
| Tier 1 risk-based capital ratio | 19.1189% | 1,575 |
| Total risk-based capital ratio | 20.3746% | 1,515 |
| Memoranda: | ||
| Average total assets | $598,670,000 | 1,204 |
| Average earning assets | $572,956,000 | 1,176 |
| Average equity | $62,614,670 | 1,271 |
| Average total loans | $261,564,000 | 1,759 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2506% | 5,173 |
| Cost of funding earning assets | 0.1591% | 5,310 |
| Net interest margin | 3.0915% | 4,674 |
| Noninterest income to average assets | 0.7296% | 1,834 |
| Noninterest expense to average assets | 1.8247% | 5,341 |
| Loan and lease loss provision to assets | 0.1200% | 1,592 |
| Net operating income to assets | 1.7400% | 512 |
| Return on assets (ROA) | 1.7400% | 517 |
| Pretax return on assets | 1.7400% | 921 |
| Return on Equity (ROE) | 16.9358% | 423 |
| Retained earnings to average equity (ytd only) | 5.0892% | 2,838 |
| Net charge-offs to loans | 0.0338% | 2,103 |
| Credit loss provision to net charge-offs | 818.1818% | 381 |
| Earnings coverage of net charge-offs (x) | 126.7727% | 432 |
| Efficiency ratio | 49.5204% | 5,400 |
| Assets per employee ($millions) | 6.9318% | 981 |
| Cash dividends to net income (ytd only)* | 69.9502% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1405% | 513 |
| Loan loss allowance to noncurrent loans | 120.2794% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 2,400 |
| Noncurrent loans to loans | 1.7796% | 1,061 |
| Net loans and leases to total assets | 41.7712% | 5,175 |
| Net loans and leases to deposits | 47.5378% | 5,241 |
| Net loans and leases to core deposits | 48.2427% | 5,289 |
| Total domestic deposits to total assets | 87.8695% | 1,788 |
| Equity capital to assets | 10.3847% | 3,313 |
| Core capital (leverage) ratio | 10.5497% | 2,844 |
| Tier 1 risk-based capital ratio | 19.6305% | 1,473 |
| Total risk-based capital ratio | 20.8862% | 1,439 |
| Memoranda: | ||
| Average total assets | $599,780,500 | 1,208 |
| Average earning assets | $573,316,000 | 1,174 |
| Average equity | $61,621,000 | 1,288 |
| Average total loans | $260,288,500 | 1,770 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2442% | 5,245 |
| Cost of funding earning assets | 0.1501% | 5,425 |
| Net interest margin | 3.0941% | 4,741 |
| Noninterest income to average assets | 0.7917% | 1,774 |
| Noninterest expense to average assets | 1.8664% | 5,406 |
| Loan and lease loss provision to assets | 0.1707% | 1,427 |
| Net operating income to assets | 1.7186% | 518 |
| Return on assets (ROA) | 1.7451% | 518 |
| Pretax return on assets | 1.7451% | 904 |
| Return on Equity (ROE) | 16.9479% | 413 |
| Retained earnings to average equity (ytd only) | 5.4451% | 2,051 |
| Net charge-offs to loans | 0.0430% | 3,175 |
| Credit loss provision to net charge-offs | 937.5000% | 404 |
| Earnings coverage of net charge-offs (x) | 103.7411% | 584 |
| Efficiency ratio | 49.6948% | 5,501 |
| Assets per employee ($millions) | 6.8562% | 979 |
| Cash dividends to net income (ytd only)* | 67.8718% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0338% | 616 |
| Loan loss allowance to noncurrent loans | 108.0121% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 2,267 |
| Noncurrent loans to loans | 1.8829% | 988 |
| Net loans and leases to total assets | 43.2203% | 5,162 |
| Net loans and leases to deposits | 49.0810% | 5,247 |
| Net loans and leases to core deposits | 49.8717% | 5,305 |
| Total domestic deposits to total assets | 88.0590% | 1,602 |
| Equity capital to assets | 10.1619% | 3,535 |
| Core capital (leverage) ratio | 10.4566% | 2,926 |
| Tier 1 risk-based capital ratio | 19.4166% | 1,502 |
| Total risk-based capital ratio | 20.6717% | 1,457 |
| Memoranda: | ||
| Average total assets | $614,992,400 | 1,139 |
| Average earning assets | $589,116,200 | 1,104 |
| Average equity | $63,323,400 | 1,238 |
| Average total loans | $260,356,000 | 1,731 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 5,274 |
| Cost of funding earning assets | 0.1474% | 5,499 |
| Net interest margin | 3.1042% | 4,766 |
| Noninterest income to average assets | 0.7691% | 1,890 |
| Noninterest expense to average assets | 1.8682% | 5,432 |
| Loan and lease loss provision to assets | 0.1657% | 1,376 |
| Net operating income to assets | 1.7120% | 577 |
| Return on assets (ROA) | 1.7471% | 576 |
| Pretax return on assets | 1.7471% | 1,010 |
| Return on Equity (ROE) | 16.9140% | 454 |
| Retained earnings to average equity (ytd only) | 1.7395% | 4,811 |
| Net charge-offs to loans | 0.1099% | 1,846 |
| Credit loss provision to net charge-offs | 359.8131% | 915 |
| Earnings coverage of net charge-offs (x) | 40.7752% | 1,222 |
| Efficiency ratio | 49.8736% | 5,511 |
| Assets per employee ($millions) | 6.8909% | 930 |
| Cash dividends to net income (ytd only)* | 89.7155% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 848 |
| Loan loss allowance to noncurrent loans | 108.3733% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7739% | 2,614 |
| Noncurrent loans to loans | 1.7548% | 1,186 |
| Net loans and leases to total assets | 43.2603% | 5,238 |
| Net loans and leases to deposits | 49.6201% | 5,315 |
| Net loans and leases to core deposits | 50.4316% | 5,367 |
| Total domestic deposits to total assets | 87.1831% | 1,811 |
| Equity capital to assets | 10.9226% | 3,095 |
| Core capital (leverage) ratio | 9.9411% | 3,644 |
| Tier 1 risk-based capital ratio | 18.7249% | 1,728 |
| Total risk-based capital ratio | 19.9787% | 1,694 |
| Memoranda: | ||
| Average total assets | $619,617,250 | 1,134 |
| Average earning assets | $594,193,500 | 1,102 |
| Average equity | $64,000,500 | 1,234 |
| Average total loans | $259,655,500 | 1,739 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2413% | 5,376 |
| Cost of funding earning assets | 0.1456% | 5,577 |
| Net interest margin | 3.0957% | 4,844 |
| Noninterest income to average assets | 0.7852% | 1,784 |
| Noninterest expense to average assets | 1.9061% | 5,442 |
| Loan and lease loss provision to assets | 0.1225% | 1,859 |
| Net operating income to assets | 1.7266% | 551 |
| Return on assets (ROA) | 1.7725% | 530 |
| Pretax return on assets | 1.7725% | 933 |
| Return on Equity (ROE) | 17.4755% | 397 |
| Retained earnings to average equity (ytd only) | 0.3388% | 5,202 |
| Net charge-offs to loans | 0.1768% | 1,282 |
| Credit loss provision to net charge-offs | 168.1223% | 1,470 |
| Earnings coverage of net charge-offs (x) | 25.3799% | 1,510 |
| Efficiency ratio | 50.7583% | 5,522 |
| Assets per employee ($millions) | 7.0176% | 870 |
| Cash dividends to net income (ytd only)* | 98.0614% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7609% | 1,154 |
| Loan loss allowance to noncurrent loans | 138.6529% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 3,386 |
| Noncurrent loans to loans | 1.2700% | 1,791 |
| Net loans and leases to total assets | 42.2447% | 5,328 |
| Net loans and leases to deposits | 48.4799% | 5,406 |
| Net loans and leases to core deposits | 49.3278% | 5,459 |
| Total domestic deposits to total assets | 87.1386% | 1,842 |
| Equity capital to assets | 10.7285% | 3,365 |
| Core capital (leverage) ratio | 9.5167% | 4,187 |
| Tier 1 risk-based capital ratio | 18.2102% | 1,874 |
| Total risk-based capital ratio | 19.4621% | 1,843 |
| Memoranda: | ||
| Average total assets | $628,617,330 | 1,131 |
| Average earning assets | $603,093,670 | 1,085 |
| Average equity | $63,757,670 | 1,237 |
| Average total loans | $259,094,670 | 1,745 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1790% | 5,515 |
| Cost of funding earning assets | 0.1451% | 5,642 |
| Net interest margin | 3.0340% | 5,035 |
| Noninterest income to average assets | 0.8210% | 1,553 |
| Noninterest expense to average assets | 1.9546% | 5,421 |
| Loan and lease loss provision to assets | 0.0905% | 2,172 |
| Net operating income to assets | 1.6857% | 592 |
| Return on assets (ROA) | 1.7655% | 532 |
| Pretax return on assets | 1.7655% | 909 |
| Return on Equity (ROE) | 17.8937% | 362 |
| Retained earnings to average equity (ytd only) | 6.3798% | 2,193 |
| Net charge-offs to loans | 0.0170% | 2,596 |
| Credit loss provision to net charge-offs | 1,318.1818% | 309 |
| Earnings coverage of net charge-offs (x) | 258.8182% | 232 |
| Efficiency ratio | 52.3913% | 5,488 |
| Assets per employee ($millions) | 7.0430% | 878 |
| Cash dividends to net income (ytd only)* | 64.3463% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 1,220 |
| Loan loss allowance to noncurrent loans | 131.3312% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 3,406 |
| Noncurrent loans to loans | 1.3439% | 1,772 |
| Net loans and leases to total assets | 40.3845% | 5,437 |
| Net loans and leases to deposits | 46.0910% | 5,499 |
| Net loans and leases to core deposits | 46.8535% | 5,554 |
| Total domestic deposits to total assets | 87.6191% | 1,852 |
| Equity capital to assets | 10.2845% | 3,763 |
| Core capital (leverage) ratio | 9.4896% | 4,211 |
| Tier 1 risk-based capital ratio | 18.4564% | 1,865 |
| Total risk-based capital ratio | 19.7083% | 1,821 |
| Memoranda: | ||
| Average total assets | $641,170,000 | 1,105 |
| Average earning assets | $614,907,000 | 1,062 |
| Average equity | $63,262,500 | 1,240 |
| Average total loans | $258,881,000 | 1,737 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2297% | 5,474 |
| Cost of funding earning assets | 0.1377% | 5,772 |
| Net interest margin | 3.0920% | 4,921 |
| Noninterest income to average assets | 0.7434% | 2,010 |
| Noninterest expense to average assets | 1.7879% | 5,754 |
| Loan and lease loss provision to assets | -0.0618% | 5,775 |
| Net operating income to assets | 1.9658% | 366 |
| Return on assets (ROA) | 2.0108% | 347 |
| Pretax return on assets | 2.0108% | 527 |
| Return on Equity (ROE) | 22.6674% | 146 |
| Retained earnings to average equity (ytd only) | 11.2776% | 316 |
| Net charge-offs to loans | -0.1577% | 5,907 |
| Credit loss provision to net charge-offs | 98.3213% | 2,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4278% | 5,824 |
| Assets per employee ($millions) | 7.3653% | 759 |
| Cash dividends to net income (ytd only)* | 50.2474% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 1,356 |
| Loan loss allowance to noncurrent loans | 236.9297% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 4,446 |
| Noncurrent loans to loans | 0.7163% | 3,034 |
| Net loans and leases to total assets | 39.0014% | 5,573 |
| Net loans and leases to deposits | 46.3390% | 5,548 |
| Net loans and leases to core deposits | 47.1176% | 5,602 |
| Total domestic deposits to total assets | 84.1654% | 3,416 |
| Equity capital to assets | 9.4672% | 4,591 |
| Core capital (leverage) ratio | 8.8637% | 5,044 |
| Tier 1 risk-based capital ratio | 17.3153% | 2,175 |
| Total risk-based capital ratio | 18.5658% | 2,134 |
| Memoranda: | ||
| Average total assets | $663,306,800 | 1,033 |
| Average earning assets | $632,504,200 | 1,004 |
| Average equity | $58,842,200 | 1,281 |
| Average total loans | $264,369,000 | 1,649 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2382% | 5,526 |
| Cost of funding earning assets | 0.1374% | 5,869 |
| Net interest margin | 3.1008% | 4,966 |
| Noninterest income to average assets | 0.7007% | 2,223 |
| Noninterest expense to average assets | 1.8068% | 5,768 |
| Loan and lease loss provision to assets | -0.0992% | 5,997 |
| Net operating income to assets | 1.9465% | 392 |
| Return on assets (ROA) | 2.0064% | 378 |
| Pretax return on assets | 2.0064% | 597 |
| Return on Equity (ROE) | 22.9982% | 161 |
| Retained earnings to average equity (ytd only) | 7.6017% | 1,416 |
| Net charge-offs to loans | -0.2471% | 6,050 |
| Credit loss provision to net charge-offs | 100.6098% | 2,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4460% | 5,807 |
| Assets per employee ($millions) | 7.2206% | 787 |
| Cash dividends to net income (ytd only)* | 66.9464% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 1,574 |
| Loan loss allowance to noncurrent loans | 252.0321% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 4,703 |
| Noncurrent loans to loans | 0.6596% | 3,350 |
| Net loans and leases to total assets | 39.6375% | 5,611 |
| Net loans and leases to deposits | 44.8117% | 5,693 |
| Net loans and leases to core deposits | 45.4185% | 5,752 |
| Total domestic deposits to total assets | 88.4537% | 1,313 |
| Equity capital to assets | 8.9460% | 5,358 |
| Core capital (leverage) ratio | 8.4098% | 5,621 |
| Tier 1 risk-based capital ratio | 16.1103% | 2,749 |
| Total risk-based capital ratio | 17.3606% | 2,704 |
| Memoranda: | ||
| Average total assets | $665,255,250 | 1,037 |
| Average earning assets | $633,633,500 | 1,009 |
| Average equity | $58,038,000 | 1,304 |
| Average total loans | $265,443,000 | 1,653 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2605% | 5,510 |
| Cost of funding earning assets | 0.1380% | 5,935 |
| Net interest margin | 3.1225% | 4,907 |
| Noninterest income to average assets | 0.7054% | 2,189 |
| Noninterest expense to average assets | 1.7857% | 5,873 |
| Loan and lease loss provision to assets | -0.1557% | 6,141 |
| Net operating income to assets | 2.0423% | 342 |
| Return on assets (ROA) | 2.0578% | 347 |
| Pretax return on assets | 2.0578% | 533 |
| Return on Equity (ROE) | 23.7861% | 141 |
| Retained earnings to average equity (ytd only) | 7.5895% | 1,431 |
| Net charge-offs to loans | -0.3892% | 6,167 |
| Credit loss provision to net charge-offs | 100.5803% | 2,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6262% | 5,926 |
| Assets per employee ($millions) | 6.9867% | 836 |
| Cash dividends to net income (ytd only)* | 68.0925% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 1,702 |
| Loan loss allowance to noncurrent loans | 234.8800% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 4,760 |
| Noncurrent loans to loans | 0.7088% | 3,363 |
| Net loans and leases to total assets | 38.7856% | 5,702 |
| Net loans and leases to deposits | 44.2538% | 5,756 |
| Net loans and leases to core deposits | 44.8199% | 5,813 |
| Total domestic deposits to total assets | 87.6436% | 1,822 |
| Equity capital to assets | 8.5064% | 5,680 |
| Core capital (leverage) ratio | 8.1648% | 5,820 |
| Tier 1 risk-based capital ratio | 16.1634% | 2,779 |
| Total risk-based capital ratio | 17.4141% | 2,727 |
| Memoranda: | ||
| Average total assets | $667,982,330 | 1,042 |
| Average earning assets | $634,680,330 | 1,008 |
| Average equity | $57,790,000 | 1,314 |
| Average total loans | $265,640,330 | 1,655 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3055% | 5,442 |
| Cost of funding earning assets | 0.1392% | 6,002 |
| Net interest margin | 3.1662% | 4,728 |
| Noninterest income to average assets | 0.7327% | 2,009 |
| Noninterest expense to average assets | 1.7899% | 5,917 |
| Loan and lease loss provision to assets | -0.3120% | 6,311 |
| Net operating income to assets | 2.2706% | 205 |
| Return on assets (ROA) | 2.2790% | 218 |
| Pretax return on assets | 2.2790% | 336 |
| Return on Equity (ROE) | 26.1219% | 93 |
| Retained earnings to average equity (ytd only) | 15.3926% | 253 |
| Net charge-offs to loans | -0.7754% | 6,299 |
| Credit loss provision to net charge-offs | 100.7752% | 1,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7509% | 6,033 |
| Assets per employee ($millions) | 7.0508% | 836 |
| Cash dividends to net income (ytd only)* | 41.0742% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 1,789 |
| Loan loss allowance to noncurrent loans | 328.5821% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 5,156 |
| Noncurrent loans to loans | 0.5113% | 4,047 |
| Net loans and leases to total assets | 38.4723% | 5,698 |
| Net loans and leases to deposits | 43.4780% | 5,777 |
| Net loans and leases to core deposits | 44.1167% | 5,839 |
| Total domestic deposits to total assets | 88.4868% | 1,550 |
| Equity capital to assets | 8.9140% | 5,378 |
| Core capital (leverage) ratio | 8.1561% | 5,844 |
| Tier 1 risk-based capital ratio | 16.2918% | 2,781 |
| Total risk-based capital ratio | 17.5425% | 2,723 |
| Memoranda: | ||
| Average total assets | $666,613,500 | 1,044 |
| Average earning assets | $634,950,000 | 1,009 |
| Average equity | $58,158,000 | 1,316 |
| Average total loans | $266,187,000 | 1,648 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 5,299 |
| Cost of funding earning assets | 0.1602% | 6,042 |
| Net interest margin | 3.3467% | 4,413 |
| Noninterest income to average assets | 0.8679% | 1,616 |
| Noninterest expense to average assets | 1.8187% | 6,047 |
| Loan and lease loss provision to assets | 0.0608% | 3,307 |
| Net operating income to assets | 2.1564% | 243 |
| Return on assets (ROA) | 2.1566% | 246 |
| Pretax return on assets | 2.1566% | 353 |
| Return on Equity (ROE) | 26.4674% | 86 |
| Retained earnings to average equity (ytd only) | 17.3479% | 98 |
| Net charge-offs to loans | -0.0077% | 5,518 |
| Credit loss provision to net charge-offs | -1,947.3684% | 5,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0635% | 6,298 |
| Assets per employee ($millions) | 6.9832% | 851 |
| Cash dividends to net income (ytd only)* | 34.4554% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 1,993 |
| Loan loss allowance to noncurrent loans | 244.6974% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 4,948 |
| Noncurrent loans to loans | 0.6664% | 3,681 |
| Net loans and leases to total assets | 40.0763% | 5,737 |
| Net loans and leases to deposits | 45.1166% | 5,837 |
| Net loans and leases to core deposits | 45.8471% | 5,899 |
| Total domestic deposits to total assets | 88.8284% | 1,340 |
| Equity capital to assets | 8.5330% | 5,720 |
| Core capital (leverage) ratio | 8.1475% | 5,892 |
| Tier 1 risk-based capital ratio | 15.1620% | 3,407 |
| Total risk-based capital ratio | 16.4124% | 3,353 |
| Memoranda: | ||
| Average total assets | $608,841,400 | 1,093 |
| Average earning assets | $576,327,200 | 1,054 |
| Average equity | $49,608,200 | 1,456 |
| Average total loans | $248,170,000 | 1,699 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5351% | 5,307 |
| Cost of funding earning assets | 0.1658% | 6,087 |
| Net interest margin | 3.3693% | 4,366 |
| Noninterest income to average assets | 0.8844% | 1,574 |
| Noninterest expense to average assets | 1.8517% | 6,025 |
| Loan and lease loss provision to assets | 0.0739% | 2,862 |
| Net operating income to assets | 2.1462% | 262 |
| Return on assets (ROA) | 2.1464% | 273 |
| Pretax return on assets | 2.1464% | 409 |
| Return on Equity (ROE) | 26.6948% | 80 |
| Retained earnings to average equity (ytd only) | 14.0913% | 246 |
| Net charge-offs to loans | 0.0434% | 3,634 |
| Credit loss provision to net charge-offs | 417.7215% | 670 |
| Earnings coverage of net charge-offs (x) | 125.4566% | 476 |
| Efficiency ratio | 45.4751% | 6,312 |
| Assets per employee ($millions) | 6.3670% | 1,104 |
| Cash dividends to net income (ytd only)* | 47.2135% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 2,133 |
| Loan loss allowance to noncurrent loans | 170.9652% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 4,680 |
| Noncurrent loans to loans | 0.9655% | 3,151 |
| Net loans and leases to total assets | 42.0518% | 5,666 |
| Net loans and leases to deposits | 47.0709% | 5,816 |
| Net loans and leases to core deposits | 47.9560% | 5,883 |
| Total domestic deposits to total assets | 89.3371% | 1,053 |
| Equity capital to assets | 8.6335% | 5,693 |
| Core capital (leverage) ratio | 7.9742% | 6,086 |
| Tier 1 risk-based capital ratio | 14.8557% | 3,676 |
| Total risk-based capital ratio | 16.1062% | 3,612 |
| Memoranda: | ||
| Average total assets | $595,200,750 | 1,121 |
| Average earning assets | $563,065,000 | 1,088 |
| Average equity | $47,858,250 | 1,510 |
| Average total loans | $242,643,750 | 1,750 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 5,421 |
| Cost of funding earning assets | 0.1679% | 6,147 |
| Net interest margin | 3.3268% | 4,478 |
| Noninterest income to average assets | 0.8950% | 1,509 |
| Noninterest expense to average assets | 1.8703% | 6,046 |
| Loan and lease loss provision to assets | 0.0439% | 3,440 |
| Net operating income to assets | 2.1200% | 268 |
| Return on assets (ROA) | 2.1200% | 282 |
| Pretax return on assets | 2.1200% | 429 |
| Return on Equity (ROE) | 27.0451% | 79 |
| Retained earnings to average equity (ytd only) | 12.8480% | 350 |
| Net charge-offs to loans | 0.0413% | 3,407 |
| Credit loss provision to net charge-offs | 265.3061% | 952 |
| Earnings coverage of net charge-offs (x) | 130.7143% | 462 |
| Efficiency ratio | 46.3613% | 6,346 |
| Assets per employee ($millions) | 6.3369% | 1,097 |
| Cash dividends to net income (ytd only)* | 52.4940% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 2,426 |
| Loan loss allowance to noncurrent loans | 199.7563% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 5,034 |
| Noncurrent loans to loans | 0.8060% | 3,690 |
| Net loans and leases to total assets | 41.1775% | 5,733 |
| Net loans and leases to deposits | 47.6252% | 5,788 |
| Net loans and leases to core deposits | 48.4051% | 5,885 |
| Total domestic deposits to total assets | 86.4616% | 2,781 |
| Equity capital to assets | 8.2248% | 6,009 |
| Core capital (leverage) ratio | 7.8370% | 6,189 |
| Tier 1 risk-based capital ratio | 14.2026% | 4,127 |
| Total risk-based capital ratio | 15.4460% | 4,062 |
| Memoranda: | ||
| Average total assets | $591,979,000 | 1,124 |
| Average earning assets | $558,608,000 | 1,093 |
| Average equity | $46,404,000 | 1,543 |
| Average total loans | $237,316,330 | 1,775 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 5,478 |
| Cost of funding earning assets | 0.1663% | 6,252 |
| Net interest margin | 3.3153% | 4,474 |
| Noninterest income to average assets | 0.8373% | 1,611 |
| Noninterest expense to average assets | 1.8678% | 6,116 |
| Loan and lease loss provision to assets | 0.0274% | 3,471 |
| Net operating income to assets | 2.0699% | 297 |
| Return on assets (ROA) | 2.0699% | 307 |
| Pretax return on assets | 2.0699% | 453 |
| Return on Equity (ROE) | 27.1012% | 94 |
| Retained earnings to average equity (ytd only) | 17.2511% | 209 |
| Net charge-offs to loans | 0.0210% | 3,160 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 255.0833% | 188 |
| Efficiency ratio | 47.1056% | 6,394 |
| Assets per employee ($millions) | 6.3722% | 1,073 |
| Cash dividends to net income (ytd only)* | 36.3456% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 2,128 |
| Loan loss allowance to noncurrent loans | 348.7931% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 5,627 |
| Noncurrent loans to loans | 0.5075% | 4,645 |
| Net loans and leases to total assets | 38.3022% | 5,923 |
| Net loans and leases to deposits | 41.9182% | 6,079 |
| Net loans and leases to core deposits | 42.6200% | 6,137 |
| Total domestic deposits to total assets | 91.3736% | 424 |
| Equity capital to assets | 7.8900% | 6,129 |
| Core capital (leverage) ratio | 7.8205% | 6,211 |
| Tier 1 risk-based capital ratio | 15.6048% | 3,376 |
| Total risk-based capital ratio | 16.8542% | 3,342 |
| Memoranda: | ||
| Average total assets | $583,796,500 | 1,146 |
| Average earning assets | $550,779,000 | 1,117 |
| Average equity | $44,588,500 | 1,597 |
| Average total loans | $228,674,500 | 1,831 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 5,529 |
| Cost of funding earning assets | 0.1885% | 6,347 |
| Net interest margin | 3.3642% | 4,423 |
| Noninterest income to average assets | 0.9239% | 1,600 |
| Noninterest expense to average assets | 1.9274% | 6,146 |
| Loan and lease loss provision to assets | -0.0302% | 6,327 |
| Net operating income to assets | 2.2313% | 233 |
| Return on assets (ROA) | 2.2605% | 228 |
| Pretax return on assets | 2.2374% | 295 |
| Return on Equity (ROE) | 28.2181% | 86 |
| Retained earnings to average equity (ytd only) | 14.7938% | 176 |
| Net charge-offs to loans | -0.1490% | 6,563 |
| Credit loss provision to net charge-offs | 48.6239% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9487% | 6,523 |
| Assets per employee ($millions) | 6.5320% | 974 |
| Cash dividends to net income (ytd only)* | 47.5735% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 2,212 |
| Loan loss allowance to noncurrent loans | 246.8059% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 5,417 |
| Noncurrent loans to loans | 0.7117% | 4,184 |
| Net loans and leases to total assets | 38.6585% | 6,047 |
| Net loans and leases to deposits | 42.0924% | 6,219 |
| Net loans and leases to core deposits | 42.8748% | 6,273 |
| Total domestic deposits to total assets | 91.8420% | 315 |
| Equity capital to assets | 7.3832% | 6,335 |
| Core capital (leverage) ratio | 7.8108% | 6,239 |
| Tier 1 risk-based capital ratio | 15.0171% | 3,654 |
| Total risk-based capital ratio | 16.2688% | 3,599 |
| Memoranda: | ||
| Average total assets | $526,868,600 | 1,262 |
| Average earning assets | $498,244,600 | 1,221 |
| Average equity | $42,207,000 | 1,661 |
| Average total loans | $219,418,800 | 1,865 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5587% | 5,556 |
| Cost of funding earning assets | 0.1938% | 6,427 |
| Net interest margin | 3.3649% | 4,415 |
| Noninterest income to average assets | 0.9253% | 1,675 |
| Noninterest expense to average assets | 1.8665% | 6,231 |
| Loan and lease loss provision to assets | -0.0335% | 6,519 |
| Net operating income to assets | 2.3086% | 212 |
| Return on assets (ROA) | 2.3486% | 215 |
| Pretax return on assets | 2.3169% | 309 |
| Return on Equity (ROE) | 28.6816% | 82 |
| Retained earnings to average equity (ytd only) | 10.7068% | 639 |
| Net charge-offs to loans | -0.1241% | 6,547 |
| Credit loss provision to net charge-offs | 63.8614% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4143% | 6,614 |
| Assets per employee ($millions) | 6.0129% | 1,235 |
| Cash dividends to net income (ytd only)* | 62.6701% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 2,523 |
| Loan loss allowance to noncurrent loans | 240.3799% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 5,515 |
| Noncurrent loans to loans | 0.7188% | 4,415 |
| Net loans and leases to total assets | 41.2274% | 5,955 |
| Net loans and leases to deposits | 44.8467% | 6,165 |
| Net loans and leases to core deposits | 45.7846% | 6,222 |
| Total domestic deposits to total assets | 91.9296% | 254 |
| Equity capital to assets | 7.3663% | 6,438 |
| Core capital (leverage) ratio | 7.8710% | 6,292 |
| Tier 1 risk-based capital ratio | 14.5772% | 4,030 |
| Total risk-based capital ratio | 15.8289% | 3,980 |
| Memoranda: | ||
| Average total assets | $513,249,000 | 1,303 |
| Average earning assets | $485,748,250 | 1,272 |
| Average equity | $42,028,250 | 1,680 |
| Average total loans | $217,084,000 | 1,885 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 5,483 |
| Cost of funding earning assets | 0.1989% | 6,476 |
| Net interest margin | 3.3867% | 4,241 |
| Noninterest income to average assets | 0.9124% | 1,775 |
| Noninterest expense to average assets | 1.8526% | 6,289 |
| Loan and lease loss provision to assets | -0.0651% | 6,663 |
| Net operating income to assets | 2.3836% | 194 |
| Return on assets (ROA) | 2.4447% | 196 |
| Pretax return on assets | 2.3963% | 307 |
| Return on Equity (ROE) | 28.8189% | 82 |
| Retained earnings to average equity (ytd only) | 14.6995% | 259 |
| Net charge-offs to loans | -0.1534% | 6,598 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9365% | 6,679 |
| Assets per employee ($millions) | 5.6253% | 1,480 |
| Cash dividends to net income (ytd only)* | 48.9935% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7620% | 2,557 |
| Loan loss allowance to noncurrent loans | 222.5434% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 5,458 |
| Noncurrent loans to loans | 0.7918% | 4,329 |
| Net loans and leases to total assets | 42.3976% | 5,872 |
| Net loans and leases to deposits | 46.8784% | 6,053 |
| Net loans and leases to core deposits | 48.0311% | 6,127 |
| Total domestic deposits to total assets | 90.4416% | 787 |
| Equity capital to assets | 8.0191% | 6,184 |
| Core capital (leverage) ratio | 7.9313% | 6,230 |
| Tier 1 risk-based capital ratio | 15.2166% | 3,639 |
| Total risk-based capital ratio | 16.4690% | 3,603 |
| Memoranda: | ||
| Average total assets | $503,944,000 | 1,328 |
| Average earning assets | $477,695,000 | 1,287 |
| Average equity | $42,749,670 | 1,653 |
| Average total loans | $213,768,330 | 1,909 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 5,492 |
| Cost of funding earning assets | 0.2002% | 6,572 |
| Net interest margin | 3.3835% | 4,182 |
| Noninterest income to average assets | 0.8839% | 1,819 |
| Noninterest expense to average assets | 1.8847% | 6,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0592% | 313 |
| Return on assets (ROA) | 2.1743% | 278 |
| Pretax return on assets | 2.3223% | 343 |
| Return on Equity (ROE) | 24.9447% | 126 |
| Retained earnings to average equity (ytd only) | 16.1825% | 264 |
| Net charge-offs to loans | 0.0076% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 691.2500% | 43 |
| Efficiency ratio | 46.1434% | 6,687 |
| Assets per employee ($millions) | 5.7818% | 1,418 |
| Cash dividends to net income (ytd only)* | 35.1262% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8251% | 2,533 |
| Loan loss allowance to noncurrent loans | 216.0674% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 5,545 |
| Noncurrent loans to loans | 0.8447% | 4,428 |
| Net loans and leases to total assets | 40.6596% | 5,943 |
| Net loans and leases to deposits | 45.0304% | 6,121 |
| Net loans and leases to core deposits | 45.8851% | 6,214 |
| Total domestic deposits to total assets | 90.2937% | 882 |
| Equity capital to assets | 8.7260% | 5,787 |
| Core capital (leverage) ratio | 7.7212% | 6,341 |
| Tier 1 risk-based capital ratio | 15.2009% | 3,708 |
| Total risk-based capital ratio | 16.4538% | 3,655 |
| Memoranda: | ||
| Average total assets | $502,776,500 | 1,342 |
| Average earning assets | $475,605,000 | 1,301 |
| Average equity | $43,825,000 | 1,631 |
| Average total loans | $211,402,500 | 1,933 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 5,522 |
| Cost of funding earning assets | 0.2515% | 6,664 |
| Net interest margin | 3.6680% | 3,791 |
| Noninterest income to average assets | 0.8250% | 2,158 |
| Noninterest expense to average assets | 1.8545% | 6,548 |
| Loan and lease loss provision to assets | -0.0481% | 6,866 |
| Net operating income to assets | 2.3817% | 183 |
| Return on assets (ROA) | 2.4126% | 190 |
| Pretax return on assets | 2.5120% | 251 |
| Return on Equity (ROE) | 28.8049% | 80 |
| Retained earnings to average equity (ytd only) | 15.8917% | 128 |
| Net charge-offs to loans | -0.0111% | 6,477 |
| Credit loss provision to net charge-offs | 1,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2666% | 6,870 |
| Assets per employee ($millions) | 5.9137% | 1,350 |
| Cash dividends to net income (ytd only)* | 44.8300% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 2,540 |
| Loan loss allowance to noncurrent loans | 253.6232% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 5,758 |
| Noncurrent loans to loans | 0.7158% | 4,752 |
| Net loans and leases to total assets | 41.9188% | 6,017 |
| Net loans and leases to deposits | 47.3172% | 6,154 |
| Net loans and leases to core deposits | 48.4289% | 6,240 |
| Total domestic deposits to total assets | 88.5911% | 1,844 |
| Equity capital to assets | 8.7070% | 5,846 |
| Core capital (leverage) ratio | 7.6681% | 6,423 |
| Tier 1 risk-based capital ratio | 14.6633% | 3,921 |
| Total risk-based capital ratio | 15.9165% | 3,883 |
| Memoranda: | ||
| Average total assets | $477,820,800 | 1,388 |
| Average earning assets | $450,868,600 | 1,348 |
| Average equity | $40,021,000 | 1,737 |
| Average total loans | $206,418,200 | 1,953 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 5,584 |
| Cost of funding earning assets | 0.2635% | 6,754 |
| Net interest margin | 3.7114% | 3,743 |
| Noninterest income to average assets | 0.8074% | 2,208 |
| Noninterest expense to average assets | 1.8592% | 6,602 |
| Loan and lease loss provision to assets | -0.0338% | 6,979 |
| Net operating income to assets | 2.3914% | 213 |
| Return on assets (ROA) | 2.4330% | 214 |
| Pretax return on assets | 2.5342% | 274 |
| Return on Equity (ROE) | 29.3533% | 83 |
| Retained earnings to average equity (ytd only) | 11.7848% | 567 |
| Net charge-offs to loans | -0.0267% | 6,556 |
| Credit loss provision to net charge-offs | 292.6829% | 926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0754% | 6,926 |
| Assets per employee ($millions) | 5.9911% | 1,258 |
| Cash dividends to net income (ytd only)* | 59.8517% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 2,550 |
| Loan loss allowance to noncurrent loans | 220.0221% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 5,748 |
| Noncurrent loans to loans | 0.8537% | 4,710 |
| Net loans and leases to total assets | 43.9054% | 5,977 |
| Net loans and leases to deposits | 48.9402% | 6,195 |
| Net loans and leases to core deposits | 50.3921% | 6,262 |
| Total domestic deposits to total assets | 89.7123% | 997 |
| Equity capital to assets | 8.7555% | 6,064 |
| Core capital (leverage) ratio | 7.2862% | 6,720 |
| Tier 1 risk-based capital ratio | 13.6653% | 4,771 |
| Total risk-based capital ratio | 14.9191% | 4,726 |
| Memoranda: | ||
| Average total assets | $473,088,250 | 1,412 |
| Average earning assets | $447,265,250 | 1,374 |
| Average equity | $39,213,250 | 1,785 |
| Average total loans | $205,002,250 | 1,981 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 5,724 |
| Cost of funding earning assets | 0.2769% | 6,809 |
| Net interest margin | 3.6964% | 3,839 |
| Noninterest income to average assets | 0.8143% | 2,118 |
| Noninterest expense to average assets | 1.8481% | 6,686 |
| Loan and lease loss provision to assets | -0.0507% | 7,075 |
| Net operating income to assets | 2.4072% | 201 |
| Return on assets (ROA) | 2.4697% | 213 |
| Pretax return on assets | 2.5707% | 276 |
| Return on Equity (ROE) | 30.3655% | 76 |
| Retained earnings to average equity (ytd only) | 17.2648% | 173 |
| Net charge-offs to loans | -0.0247% | 6,475 |
| Credit loss provision to net charge-offs | 480.0000% | 626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9498% | 6,986 |
| Assets per employee ($millions) | 4.8833% | 2,311 |
| Cash dividends to net income (ytd only)* | 43.1433% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 2,640 |
| Loan loss allowance to noncurrent loans | 267.8837% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 5,976 |
| Noncurrent loans to loans | 0.6986% | 5,106 |
| Net loans and leases to total assets | 44.3133% | 5,989 |
| Net loans and leases to deposits | 49.1822% | 6,228 |
| Net loans and leases to core deposits | 50.5185% | 6,315 |
| Total domestic deposits to total assets | 90.1004% | 869 |
| Equity capital to assets | 8.5299% | 6,178 |
| Core capital (leverage) ratio | 7.1318% | 6,775 |
| Tier 1 risk-based capital ratio | 13.5974% | 4,742 |
| Total risk-based capital ratio | 14.8514% | 4,709 |
| Memoranda: | ||
| Average total assets | $473,020,000 | 1,419 |
| Average earning assets | $446,440,330 | 1,384 |
| Average equity | $38,471,330 | 1,814 |
| Average total loans | $202,743,330 | 2,000 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8977% | 6,025 |
| Cost of funding earning assets | 0.2808% | 6,901 |
| Net interest margin | 3.6170% | 4,193 |
| Noninterest income to average assets | 0.7501% | 2,399 |
| Noninterest expense to average assets | 1.7966% | 6,797 |
| Loan and lease loss provision to assets | 0.0253% | 5,033 |
| Net operating income to assets | 2.2426% | 264 |
| Return on assets (ROA) | 2.2992% | 292 |
| Pretax return on assets | 2.3926% | 395 |
| Return on Equity (ROE) | 28.9661% | 112 |
| Retained earnings to average equity (ytd only) | 21.4250% | 147 |
| Net charge-offs to loans | -0.0444% | 6,490 |
| Credit loss provision to net charge-offs | -136.3636% | 5,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2334% | 7,017 |
| Assets per employee ($millions) | 6.0391% | 1,262 |
| Cash dividends to net income (ytd only)* | 26.0344% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0671% | 2,175 |
| Loan loss allowance to noncurrent loans | 268.0365% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 6,097 |
| Noncurrent loans to loans | 0.7712% | 5,119 |
| Net loans and leases to total assets | 40.2945% | 6,327 |
| Net loans and leases to deposits | 44.2999% | 6,541 |
| Net loans and leases to core deposits | 45.5312% | 6,596 |
| Total domestic deposits to total assets | 90.9585% | 578 |
| Equity capital to assets | 7.9057% | 6,580 |
| Core capital (leverage) ratio | 7.0566% | 6,819 |
| Tier 1 risk-based capital ratio | 13.3622% | 4,925 |
| Total risk-based capital ratio | 14.6173% | 4,916 |
| Memoranda: | ||
| Average total assets | $475,131,000 | 1,410 |
| Average earning assets | $447,337,500 | 1,379 |
| Average equity | $37,713,000 | 1,847 |
| Average total loans | $198,264,000 | 2,051 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 5,986 |
| Cost of funding earning assets | 0.4198% | 6,833 |
| Net interest margin | 3.8057% | 3,787 |
| Noninterest income to average assets | 0.6838% | 2,697 |
| Noninterest expense to average assets | 1.9550% | 6,756 |
| Loan and lease loss provision to assets | 0.2747% | 3,471 |
| Net operating income to assets | 2.0110% | 305 |
| Return on assets (ROA) | 2.0723% | 291 |
| Pretax return on assets | 2.1036% | 436 |
| Return on Equity (ROE) | 26.8562% | 79 |
| Retained earnings to average equity (ytd only) | 14.3072% | 157 |
| Net charge-offs to loans | 0.1877% | 4,646 |
| Credit loss provision to net charge-offs | 336.2573% | 691 |
| Earnings coverage of net charge-offs (x) | 28.3567% | 877 |
| Efficiency ratio | 45.7697% | 7,059 |
| Assets per employee ($millions) | 6.0666% | 1,182 |
| Cash dividends to net income (ytd only)* | 46.7266% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0516% | 2,123 |
| Loan loss allowance to noncurrent loans | 243.6637% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 6,087 |
| Noncurrent loans to loans | 0.8420% | 5,006 |
| Net loans and leases to total assets | 41.4630% | 6,422 |
| Net loans and leases to deposits | 46.4040% | 6,603 |
| Net loans and leases to core deposits | 47.6863% | 6,657 |
| Total domestic deposits to total assets | 89.3523% | 1,331 |
| Equity capital to assets | 7.9701% | 6,592 |
| Core capital (leverage) ratio | 6.9734% | 6,874 |
| Tier 1 risk-based capital ratio | 12.9306% | 5,128 |
| Total risk-based capital ratio | 14.1857% | 5,103 |
| Memoranda: | ||
| Average total assets | $418,672,600 | 1,554 |
| Average earning assets | $394,675,200 | 1,509 |
| Average equity | $32,305,400 | 2,064 |
| Average total loans | $182,248,000 | 2,210 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 6,026 |
| Cost of funding earning assets | 0.4519% | 6,871 |
| Net interest margin | 3.8193% | 3,772 |
| Noninterest income to average assets | 0.7061% | 2,569 |
| Noninterest expense to average assets | 1.9874% | 6,717 |
| Loan and lease loss provision to assets | 0.2788% | 3,290 |
| Net operating income to assets | 2.0154% | 330 |
| Return on assets (ROA) | 2.0854% | 322 |
| Pretax return on assets | 2.1172% | 497 |
| Return on Equity (ROE) | 27.2847% | 91 |
| Retained earnings to average equity (ytd only) | 9.8944% | 873 |
| Net charge-offs to loans | 0.2377% | 3,937 |
| Credit loss provision to net charge-offs | 267.2956% | 1,068 |
| Earnings coverage of net charge-offs (x) | 22.2893% | 1,159 |
| Efficiency ratio | 46.0907% | 7,055 |
| Assets per employee ($millions) | 5.5122% | 1,587 |
| Cash dividends to net income (ytd only)* | 63.7364% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0192% | 2,282 |
| Loan loss allowance to noncurrent loans | 188.8611% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 5,899 |
| Noncurrent loans to loans | 1.0692% | 4,777 |
| Net loans and leases to total assets | 43.2256% | 6,406 |
| Net loans and leases to deposits | 47.6943% | 6,638 |
| Net loans and leases to core deposits | 49.1776% | 6,704 |
| Total domestic deposits to total assets | 90.6305% | 576 |
| Equity capital to assets | 8.1627% | 6,590 |
| Core capital (leverage) ratio | 6.9872% | 6,964 |
| Tier 1 risk-based capital ratio | 12.6835% | 5,344 |
| Total risk-based capital ratio | 13.9387% | 5,314 |
| Memoranda: | ||
| Average total assets | $406,557,750 | 1,601 |
| Average earning assets | $383,830,000 | 1,553 |
| Average equity | $31,074,000 | 2,131 |
| Average total loans | $178,374,000 | 2,281 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 6,086 |
| Cost of funding earning assets | 0.4668% | 6,963 |
| Net interest margin | 3.8105% | 3,733 |
| Noninterest income to average assets | 0.7035% | 2,533 |
| Noninterest expense to average assets | 1.9845% | 6,823 |
| Loan and lease loss provision to assets | 0.2496% | 3,411 |
| Net operating income to assets | 2.0407% | 325 |
| Return on assets (ROA) | 2.1158% | 303 |
| Pretax return on assets | 2.1478% | 450 |
| Return on Equity (ROE) | 28.3636% | 84 |
| Retained earnings to average equity (ytd only) | 14.1283% | 302 |
| Net charge-offs to loans | 0.3614% | 3,109 |
| Credit loss provision to net charge-offs | 157.7287% | 1,934 |
| Earnings coverage of net charge-offs (x) | 14.6688% | 1,465 |
| Efficiency ratio | 46.0870% | 7,151 |
| Assets per employee ($millions) | 5.0445% | 2,066 |
| Cash dividends to net income (ytd only)* | 50.1888% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 2,687 |
| Loan loss allowance to noncurrent loans | 212.6394% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 5,972 |
| Noncurrent loans to loans | 0.8909% | 5,189 |
| Net loans and leases to total assets | 44.0395% | 6,435 |
| Net loans and leases to deposits | 48.5277% | 6,697 |
| Net loans and leases to core deposits | 49.9491% | 6,760 |
| Total domestic deposits to total assets | 90.7513% | 608 |
| Equity capital to assets | 8.0380% | 6,655 |
| Core capital (leverage) ratio | 7.2555% | 6,887 |
| Tier 1 risk-based capital ratio | 12.7643% | 5,119 |
| Total risk-based capital ratio | 14.0177% | 5,084 |
| Memoranda: | ||
| Average total assets | $400,596,670 | 1,639 |
| Average earning assets | $378,738,330 | 1,585 |
| Average equity | $29,883,330 | 2,191 |
| Average total loans | $175,416,000 | 2,344 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 6,094 |
| Cost of funding earning assets | 0.4920% | 6,997 |
| Net interest margin | 3.7799% | 3,706 |
| Noninterest income to average assets | 0.6174% | 3,052 |
| Noninterest expense to average assets | 1.9754% | 6,868 |
| Loan and lease loss provision to assets | 0.2004% | 3,631 |
| Net operating income to assets | 1.9835% | 356 |
| Return on assets (ROA) | 1.9874% | 369 |
| Pretax return on assets | 2.0185% | 544 |
| Return on Equity (ROE) | 27.7284% | 108 |
| Retained earnings to average equity (ytd only) | 23.7013% | 117 |
| Net charge-offs to loans | 0.5401% | 2,144 |
| Credit loss provision to net charge-offs | 85.8369% | 3,023 |
| Earnings coverage of net charge-offs (x) | 9.4850% | 1,716 |
| Efficiency ratio | 47.1418% | 7,151 |
| Assets per employee ($millions) | 5.4792% | 1,594 |
| Cash dividends to net income (ytd only)* | 14.5234% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 2,819 |
| Loan loss allowance to noncurrent loans | 258.9372% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 6,252 |
| Noncurrent loans to loans | 0.7188% | 5,573 |
| Net loans and leases to total assets | 41.8198% | 6,636 |
| Net loans and leases to deposits | 46.6716% | 6,809 |
| Net loans and leases to core deposits | 48.1164% | 6,871 |
| Total domestic deposits to total assets | 89.6045% | 1,426 |
| Equity capital to assets | 7.4818% | 6,876 |
| Core capital (leverage) ratio | 7.0270% | 6,996 |
| Tier 1 risk-based capital ratio | 12.9945% | 4,829 |
| Total risk-based capital ratio | 14.2471% | 4,815 |
| Memoranda: | ||
| Average total assets | $399,116,000 | 1,657 |
| Average earning assets | $377,254,000 | 1,605 |
| Average equity | $28,606,000 | 2,261 |
| Average total loans | $172,545,500 | 2,399 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 6,248 |
| Cost of funding earning assets | 0.7190% | 6,829 |
| Net interest margin | 3.8320% | 3,809 |
| Noninterest income to average assets | 0.7625% | 2,474 |
| Noninterest expense to average assets | 2.2089% | 6,591 |
| Loan and lease loss provision to assets | 0.3223% | 4,235 |
| Net operating income to assets | 1.8101% | 407 |
| Return on assets (ROA) | 1.9787% | 307 |
| Pretax return on assets | 2.0086% | 470 |
| Return on Equity (ROE) | 27.1512% | 66 |
| Retained earnings to average equity (ytd only) | 14.9858% | 127 |
| Net charge-offs to loans | 0.4852% | 3,678 |
| Credit loss provision to net charge-offs | 151.6469% | 2,371 |
| Earnings coverage of net charge-offs (x) | 10.1660% | 1,745 |
| Efficiency ratio | 50.5511% | 7,084 |
| Assets per employee ($millions) | 5.1680% | 1,913 |
| Cash dividends to net income (ytd only)* | 44.8061% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8855% | 2,603 |
| Loan loss allowance to noncurrent loans | 165.0076% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5774% | 5,867 |
| Noncurrent loans to loans | 1.1427% | 4,825 |
| Net loans and leases to total assets | 43.0436% | 6,785 |
| Net loans and leases to deposits | 48.4856% | 6,928 |
| Net loans and leases to core deposits | 50.0428% | 6,972 |
| Total domestic deposits to total assets | 88.7761% | 1,781 |
| Equity capital to assets | 6.8427% | 7,161 |
| Core capital (leverage) ratio | 6.7826% | 7,115 |
| Tier 1 risk-based capital ratio | 12.4102% | 5,102 |
| Total risk-based capital ratio | 13.6636% | 5,078 |
| Memoranda: | ||
| Average total assets | $357,106,000 | 1,829 |
| Average earning assets | $336,141,800 | 1,774 |
| Average equity | $26,024,600 | 2,453 |
| Average total loans | $156,436,600 | 2,662 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 6,366 |
| Cost of funding earning assets | 0.7584% | 6,892 |
| Net interest margin | 3.8310% | 3,838 |
| Noninterest income to average assets | 0.7946% | 2,263 |
| Noninterest expense to average assets | 2.2367% | 6,506 |
| Loan and lease loss provision to assets | 0.3481% | 3,824 |
| Net operating income to assets | 1.7839% | 530 |
| Return on assets (ROA) | 1.9173% | 431 |
| Pretax return on assets | 1.9464% | 710 |
| Return on Equity (ROE) | 25.8635% | 101 |
| Retained earnings to average equity (ytd only) | 9.5097% | 909 |
| Net charge-offs to loans | 0.6576% | 2,789 |
| Credit loss provision to net charge-offs | 120.8777% | 3,406 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,320 |
| Efficiency ratio | 50.8754% | 7,081 |
| Assets per employee ($millions) | 4.7726% | 2,488 |
| Cash dividends to net income (ytd only)* | 63.2315% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8567% | 2,606 |
| Loan loss allowance to noncurrent loans | 166.3355% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 6,018 |
| Noncurrent loans to loans | 1.1163% | 5,013 |
| Net loans and leases to total assets | 42.7958% | 6,919 |
| Net loans and leases to deposits | 46.7669% | 7,140 |
| Net loans and leases to core deposits | 48.2417% | 7,191 |
| Total domestic deposits to total assets | 91.5087% | 303 |
| Equity capital to assets | 7.2905% | 7,231 |
| Core capital (leverage) ratio | 6.4358% | 7,350 |
| Tier 1 risk-based capital ratio | 11.4712% | 5,962 |
| Total risk-based capital ratio | 12.7244% | 5,942 |
| Memoranda: | ||
| Average total assets | $348,190,250 | 1,905 |
| Average earning assets | $327,353,750 | 1,846 |
| Average equity | $25,811,750 | 2,512 |
| Average total loans | $152,468,000 | 2,773 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 6,399 |
| Cost of funding earning assets | 0.7895% | 6,948 |
| Net interest margin | 3.8312% | 3,757 |
| Noninterest income to average assets | 0.8096% | 2,071 |
| Noninterest expense to average assets | 2.2477% | 6,514 |
| Loan and lease loss provision to assets | 0.3875% | 3,396 |
| Net operating income to assets | 1.7451% | 533 |
| Return on assets (ROA) | 1.8650% | 474 |
| Pretax return on assets | 1.8932% | 743 |
| Return on Equity (ROE) | 25.0069% | 122 |
| Retained earnings to average equity (ytd only) | 12.6611% | 418 |
| Net charge-offs to loans | 0.3419% | 3,635 |
| Credit loss provision to net charge-offs | 258.4314% | 1,473 |
| Earnings coverage of net charge-offs (x) | 14.4039% | 1,524 |
| Efficiency ratio | 51.0005% | 7,151 |
| Assets per employee ($millions) | 4.4212% | 3,017 |
| Cash dividends to net income (ytd only)* | 49.3695% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0859% | 1,991 |
| Loan loss allowance to noncurrent loans | 86.7749% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.1039% | 4,927 |
| Noncurrent loans to loans | 2.4039% | 3,252 |
| Net loans and leases to total assets | 44.9641% | 6,855 |
| Net loans and leases to deposits | 49.3615% | 7,098 |
| Net loans and leases to core deposits | 50.8738% | 7,175 |
| Total domestic deposits to total assets | 91.0915% | 448 |
| Equity capital to assets | 7.7185% | 6,987 |
| Core capital (leverage) ratio | 6.6621% | 7,328 |
| Tier 1 risk-based capital ratio | 11.9863% | 5,326 |
| Total risk-based capital ratio | 13.2419% | 5,283 |
| Memoranda: | ||
| Average total assets | $340,166,000 | 1,963 |
| Average earning assets | $319,426,670 | 1,905 |
| Average equity | $25,369,000 | 2,554 |
| Average total loans | $149,181,670 | 2,852 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 6,592 |
| Cost of funding earning assets | 0.8231% | 7,020 |
| Net interest margin | 3.7646% | 3,940 |
| Noninterest income to average assets | 0.8058% | 1,991 |
| Noninterest expense to average assets | 2.2609% | 6,512 |
| Loan and lease loss provision to assets | 0.3941% | 3,006 |
| Net operating income to assets | 1.6603% | 671 |
| Return on assets (ROA) | 1.6857% | 684 |
| Pretax return on assets | 1.7116% | 1,042 |
| Return on Equity (ROE) | 23.0058% | 230 |
| Retained earnings to average equity (ytd only) | 13.9993% | 508 |
| Net charge-offs to loans | 0.5137% | 2,525 |
| Credit loss provision to net charge-offs | 179.1444% | 2,040 |
| Earnings coverage of net charge-offs (x) | 9.4545% | 1,852 |
| Efficiency ratio | 52.0867% | 7,144 |
| Assets per employee ($millions) | 4.6099% | 2,775 |
| Cash dividends to net income (ytd only)* | 39.1486% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 2,024 |
| Loan loss allowance to noncurrent loans | 96.2832% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 5,356 |
| Noncurrent loans to loans | 2.1488% | 3,588 |
| Net loans and leases to total assets | 41.1409% | 7,169 |
| Net loans and leases to deposits | 45.0195% | 7,366 |
| Net loans and leases to core deposits | 46.9651% | 7,397 |
| Total domestic deposits to total assets | 91.3845% | 411 |
| Equity capital to assets | 7.3813% | 7,157 |
| Core capital (leverage) ratio | 6.4612% | 7,477 |
| Tier 1 risk-based capital ratio | 12.1970% | 4,996 |
| Total risk-based capital ratio | 13.4519% | 4,967 |
| Memoranda: | ||
| Average total assets | $340,034,500 | 2,018 |
| Average earning assets | $319,292,000 | 1,954 |
| Average equity | $24,915,500 | 2,615 |
| Average total loans | $145,606,500 | 2,970 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 6,086 |
| Cost of funding earning assets | 1.0474% | 7,110 |
| Net interest margin | 4.0526% | 2,642 |
| Noninterest income to average assets | 0.8005% | 2,403 |
| Noninterest expense to average assets | 2.3746% | 6,535 |
| Loan and lease loss provision to assets | 0.7580% | 2,839 |
| Net operating income to assets | 1.4126% | 829 |
| Return on assets (ROA) | 1.5518% | 645 |
| Pretax return on assets | 1.5831% | 995 |
| Return on Equity (ROE) | 21.0506% | 196 |
| Retained earnings to average equity (ytd only) | 9.9714% | 376 |
| Net charge-offs to loans | 1.1422% | 2,140 |
| Credit loss provision to net charge-offs | 139.4624% | 3,510 |
| Earnings coverage of net charge-offs (x) | 4.0458% | 3,089 |
| Efficiency ratio | 51.9201% | 7,392 |
| Assets per employee ($millions) | 4.2863% | 3,293 |
| Cash dividends to net income (ytd only)* | 52.6316% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 2,121 |
| Loan loss allowance to noncurrent loans | 87.4235% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 5,157 |
| Noncurrent loans to loans | 2.2388% | 3,353 |
| Net loans and leases to total assets | 42.8053% | 7,202 |
| Net loans and leases to deposits | 47.4152% | 7,376 |
| Net loans and leases to core deposits | 54.4221% | 7,460 |
| Total domestic deposits to total assets | 90.2776% | 850 |
| Equity capital to assets | 7.2716% | 7,219 |
| Core capital (leverage) ratio | 6.6546% | 7,429 |
| Tier 1 risk-based capital ratio | 11.7358% | 5,164 |
| Total risk-based capital ratio | 12.9897% | 5,127 |
| Memoranda: | ||
| Average total assets | $301,190,600 | 2,210 |
| Average earning assets | $280,410,000 | 2,185 |
| Average equity | $22,203,600 | 2,924 |
| Average total loans | $143,320,200 | 3,027 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2255% | 5,776 |
| Cost of funding earning assets | 1.0858% | 7,201 |
| Net interest margin | 4.1397% | 2,251 |
| Noninterest income to average assets | 0.7993% | 2,432 |
| Noninterest expense to average assets | 2.4289% | 6,314 |
| Loan and lease loss provision to assets | 0.6555% | 2,787 |
| Net operating income to assets | 1.5352% | 751 |
| Return on assets (ROA) | 1.7261% | 563 |
| Pretax return on assets | 1.7607% | 870 |
| Return on Equity (ROE) | 23.3239% | 158 |
| Retained earnings to average equity (ytd only) | 8.1929% | 1,084 |
| Net charge-offs to loans | 0.8888% | 2,185 |
| Credit loss provision to net charge-offs | 151.4196% | 3,168 |
| Earnings coverage of net charge-offs (x) | 5.1314% | 2,915 |
| Efficiency ratio | 52.2318% | 7,393 |
| Assets per employee ($millions) | 4.2627% | 3,265 |
| Cash dividends to net income (ytd only)* | 64.8735% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 2,214 |
| Loan loss allowance to noncurrent loans | 71.2401% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2523% | 4,559 |
| Noncurrent loans to loans | 2.5581% | 2,951 |
| Net loans and leases to total assets | 48.0595% | 6,946 |
| Net loans and leases to deposits | 54.3341% | 7,188 |
| Net loans and leases to core deposits | 62.4733% | 7,307 |
| Total domestic deposits to total assets | 88.4518% | 1,452 |
| Equity capital to assets | 7.7732% | 7,062 |
| Core capital (leverage) ratio | 6.8552% | 7,515 |
| Tier 1 risk-based capital ratio | 11.5441% | 5,390 |
| Total risk-based capital ratio | 12.7975% | 5,331 |
| Memoranda: | ||
| Average total assets | $292,905,750 | 2,282 |
| Average earning assets | $272,480,000 | 2,241 |
| Average equity | $21,676,750 | 3,015 |
| Average total loans | $142,658,250 | 3,072 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2802% | 5,748 |
| Cost of funding earning assets | 1.1130% | 7,344 |
| Net interest margin | 4.1672% | 2,106 |
| Noninterest income to average assets | 0.7644% | 2,626 |
| Noninterest expense to average assets | 2.4622% | 6,253 |
| Loan and lease loss provision to assets | 0.7181% | 2,281 |
| Net operating income to assets | 1.4185% | 982 |
| Return on assets (ROA) | 1.5335% | 834 |
| Pretax return on assets | 1.5639% | 1,292 |
| Return on Equity (ROE) | 21.0918% | 277 |
| Retained earnings to average equity (ytd only) | 5.9923% | 2,026 |
| Net charge-offs to loans | 1.3293% | 1,393 |
| Credit loss provision to net charge-offs | 111.1111% | 4,162 |
| Earnings coverage of net charge-offs (x) | 3.3494% | 3,470 |
| Efficiency ratio | 53.2159% | 7,408 |
| Assets per employee ($millions) | 3.8816% | 3,911 |
| Cash dividends to net income (ytd only)* | 71.5894% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 2,657 |
| Loan loss allowance to noncurrent loans | 101.9824% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7798% | 5,445 |
| Noncurrent loans to loans | 1.5892% | 4,112 |
| Net loans and leases to total assets | 48.2699% | 7,014 |
| Net loans and leases to deposits | 53.5212% | 7,309 |
| Net loans and leases to core deposits | 60.3050% | 7,441 |
| Total domestic deposits to total assets | 90.1885% | 752 |
| Equity capital to assets | 7.2703% | 7,431 |
| Core capital (leverage) ratio | 6.6002% | 7,747 |
| Tier 1 risk-based capital ratio | 11.5316% | 5,347 |
| Total risk-based capital ratio | 12.7831% | 5,278 |
| Memoranda: | ||
| Average total assets | $289,656,330 | 2,322 |
| Average earning assets | $268,475,000 | 2,286 |
| Average equity | $21,060,330 | 3,093 |
| Average total loans | $140,826,330 | 3,131 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2907% | 5,932 |
| Cost of funding earning assets | 1.1506% | 7,412 |
| Net interest margin | 4.1402% | 2,127 |
| Noninterest income to average assets | 0.7614% | 2,531 |
| Noninterest expense to average assets | 2.4214% | 6,124 |
| Loan and lease loss provision to assets | 0.7891% | 1,631 |
| Net operating income to assets | 1.3457% | 1,274 |
| Return on assets (ROA) | 1.4149% | 1,194 |
| Pretax return on assets | 1.4426% | 1,839 |
| Return on Equity (ROE) | 19.4593% | 467 |
| Retained earnings to average equity (ytd only) | 9.7487% | 1,265 |
| Net charge-offs to loans | 0.5092% | 2,189 |
| Credit loss provision to net charge-offs | 320.2247% | 1,537 |
| Earnings coverage of net charge-offs (x) | 8.7697% | 2,148 |
| Efficiency ratio | 52.8399% | 7,335 |
| Assets per employee ($millions) | 3.9801% | 3,704 |
| Cash dividends to net income (ytd only)* | 49.9022% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 1,634 |
| Loan loss allowance to noncurrent loans | 76.5363% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1706% | 4,328 |
| Noncurrent loans to loans | 2.4713% | 2,664 |
| Net loans and leases to total assets | 46.4706% | 7,158 |
| Net loans and leases to deposits | 51.2533% | 7,448 |
| Net loans and leases to core deposits | 57.1672% | 7,561 |
| Total domestic deposits to total assets | 90.6686% | 531 |
| Equity capital to assets | 7.4574% | 7,386 |
| Core capital (leverage) ratio | 6.7713% | 7,776 |
| Tier 1 risk-based capital ratio | 11.6122% | 5,288 |
| Total risk-based capital ratio | 12.8659% | 5,197 |
| Memoranda: | ||
| Average total assets | $288,926,000 | 2,341 |
| Average earning assets | $266,655,000 | 2,315 |
| Average equity | $21,008,000 | 3,119 |
| Average total loans | $139,821,000 | 3,168 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 6,345 |
| Cost of funding earning assets | 1.7286% | 7,192 |
| Net interest margin | 4.0987% | 2,716 |
| Noninterest income to average assets | 0.8008% | 2,509 |
| Noninterest expense to average assets | 2.3971% | 6,404 |
| Loan and lease loss provision to assets | 0.4265% | 3,147 |
| Net operating income to assets | 1.7024% | 673 |
| Return on assets (ROA) | 1.7297% | 610 |
| Pretax return on assets | 1.7650% | 1,011 |
| Return on Equity (ROE) | 25.6183% | 123 |
| Retained earnings to average equity (ytd only) | 14.6820% | 100 |
| Net charge-offs to loans | 0.1634% | 4,563 |
| Credit loss provision to net charge-offs | 518.2648% | 844 |
| Earnings coverage of net charge-offs (x) | 26.2922% | 1,295 |
| Efficiency ratio | 52.5583% | 7,427 |
| Assets per employee ($millions) | 3.9357% | 3,641 |
| Cash dividends to net income (ytd only)* | 42.6896% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 2,420 |
| Loan loss allowance to noncurrent loans | 104.0960% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 5,007 |
| Noncurrent loans to loans | 1.4956% | 3,555 |
| Net loans and leases to total assets | 48.6622% | 7,135 |
| Net loans and leases to deposits | 53.3942% | 7,469 |
| Net loans and leases to core deposits | 58.9080% | 7,633 |
| Total domestic deposits to total assets | 91.1377% | 289 |
| Equity capital to assets | 7.0827% | 7,692 |
| Core capital (leverage) ratio | 6.9652% | 7,717 |
| Tier 1 risk-based capital ratio | 11.4246% | 5,312 |
| Total risk-based capital ratio | 12.6757% | 5,214 |
| Memoranda: | ||
| Average total assets | $266,115,800 | 2,413 |
| Average earning assets | $244,128,000 | 2,415 |
| Average equity | $17,967,600 | 3,563 |
| Average total loans | $134,000,400 | 3,197 |