Home > Brentwood Bank > Performance and Condition Ratios
Brentwood Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 3,192 |
| Cost of funding earning assets | 1.8431% | 1,176 |
| Net interest margin | 2.6052% | 3,954 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.8237% | 1,449 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | -0.0565% | 4,413 |
| Return on assets (ROA) | -0.0542% | 4,396 |
| Pretax return on assets | -0.1449% | 4,418 |
| Return on Equity (ROE) | -0.5400% | 4,369 |
| Retained earnings to average equity (ytd only) | -0.7198% | 4,165 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 105.8670% | 135 |
| Assets per employee ($millions) | 7.1264% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 3,962 |
| Loan loss allowance to noncurrent loans | 440.8271% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 2,584 |
| Noncurrent loans to loans | 0.1814% | 2,606 |
| Net loans and leases to total assets | 76.7200% | 1,013 |
| Net loans and leases to deposits | 104.1506% | 352 |
| Net loans and leases to core deposits | 116.7912% | 724 |
| Total domestic deposits to total assets | 73.6700% | 4,124 |
| Equity capital to assets | 9.9673% | 2,029 |
| Core capital (leverage) ratio | 10.8808% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $933,000,200 | 1,050 |
| Average earning assets | $895,250,000 | 1,007 |
| Average equity | $94,193,200 | 991 |
| Average total loans | $715,184,200 | 938 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 3,121 |
| Cost of funding earning assets | 1.7111% | 1,169 |
| Net interest margin | 2.6773% | 3,907 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.7937% | 1,446 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | -0.0009% | 4,439 |
| Return on assets (ROA) | -0.0244% | 4,426 |
| Pretax return on assets | -0.1234% | 4,452 |
| Return on Equity (ROE) | -0.2400% | 4,394 |
| Retained earnings to average equity (ytd only) | -0.4845% | 4,208 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 101.8197% | 154 |
| Assets per employee ($millions) | 7.4269% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 3,847 |
| Loan loss allowance to noncurrent loans | 396.0484% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,473 |
| Noncurrent loans to loans | 0.2170% | 2,483 |
| Net loans and leases to total assets | 75.9900% | 1,122 |
| Net loans and leases to deposits | 100.0095% | 517 |
| Net loans and leases to core deposits | 111.1042% | 833 |
| Total domestic deposits to total assets | 75.9900% | 4,012 |
| Equity capital to assets | 9.7250% | 1,980 |
| Core capital (leverage) ratio | 11.0047% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $929,297,500 | 1,058 |
| Average earning assets | $892,517,500 | 1,012 |
| Average equity | $94,123,750 | 985 |
| Average total loans | $710,717,000 | 942 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 3,096 |
| Cost of funding earning assets | 1.5579% | 1,153 |
| Net interest margin | 2.7465% | 3,912 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.7660% | 1,487 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.1025% | 4,357 |
| Return on assets (ROA) | 0.0982% | 4,397 |
| Pretax return on assets | 0.0288% | 4,429 |
| Return on Equity (ROE) | 0.9600% | 4,375 |
| Retained earnings to average equity (ytd only) | 0.5942% | 3,971 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 98.3012% | 193 |
| Assets per employee ($millions) | 7.0967% | 1,854 |
| Cash dividends to net income (ytd only)* | 37.8855% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 3,912 |
| Loan loss allowance to noncurrent loans | 436.9455% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 2,513 |
| Noncurrent loans to loans | 0.1935% | 2,500 |
| Net loans and leases to total assets | 75.7700% | 1,080 |
| Net loans and leases to deposits | 99.4626% | 544 |
| Net loans and leases to core deposits | 111.5474% | 762 |
| Total domestic deposits to total assets | 76.1800% | 4,028 |
| Equity capital to assets | 10.1871% | 1,753 |
| Core capital (leverage) ratio | 11.1362% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $924,657,333 | 1,050 |
| Average earning assets | $889,270,000 | 1,006 |
| Average equity | $94,922,333 | 977 |
| Average total loans | $706,624,667 | 931 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2004% | 3,043 |
| Cost of funding earning assets | 1.3806% | 1,065 |
| Net interest margin | 2.8198% | 3,923 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.5315% | 2,163 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.3201% | 4,219 |
| Return on assets (ROA) | 0.3388% | 4,146 |
| Pretax return on assets | 0.3357% | 4,228 |
| Return on Equity (ROE) | 3.2900% | 4,142 |
| Retained earnings to average equity (ytd only) | 2.9422% | 3,517 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.7990% | 428 |
| Assets per employee ($millions) | 8.4456% | 1,147 |
| Cash dividends to net income (ytd only)* | 10.4994% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 3,835 |
| Loan loss allowance to noncurrent loans | 542.3629% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 2,627 |
| Noncurrent loans to loans | 0.1672% | 2,659 |
| Net loans and leases to total assets | 74.9300% | 1,085 |
| Net loans and leases to deposits | 97.1800% | 584 |
| Net loans and leases to core deposits | 108.9289% | 739 |
| Total domestic deposits to total assets | 77.1000% | 4,076 |
| Equity capital to assets | 10.3124% | 1,665 |
| Core capital (leverage) ratio | 11.3666% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $922,152,000 | 1,071 |
| Average earning assets | $887,727,500 | 1,027 |
| Average equity | $95,030,500 | 986 |
| Average total loans | $704,721,000 | 951 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6820% | 2,579 |
| Cost of funding earning assets | 0.5584% | 1,074 |
| Net interest margin | 3.1236% | 3,102 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.2205% | 2,972 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7568% | 3,465 |
| Return on assets (ROA) | 0.6996% | 3,570 |
| Pretax return on assets | 0.8588% | 3,462 |
| Return on Equity (ROE) | 6.4600% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.1446% | 2,589 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3555% | 1,778 |
| Assets per employee ($millions) | 7.8855% | 1,383 |
| Cash dividends to net income (ytd only)* | 4.8112% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 3,744 |
| Loan loss allowance to noncurrent loans | 478.6576% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 2,514 |
| Noncurrent loans to loans | 0.1893% | 2,539 |
| Net loans and leases to total assets | 76.5600% | 953 |
| Net loans and leases to deposits | 95.4953% | 680 |
| Net loans and leases to core deposits | 105.2401% | 780 |
| Total domestic deposits to total assets | 80.1700% | 3,855 |
| Equity capital to assets | 10.2980% | 1,555 |
| Core capital (leverage) ratio | 11.5475% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $870,442,600 | 1,113 |
| Average earning assets | $838,801,000 | 1,067 |
| Average equity | $94,342,400 | 980 |
| Average total loans | $676,948,600 | 934 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5654% | 2,434 |
| Cost of funding earning assets | 0.4223% | 1,142 |
| Net interest margin | 3.1432% | 2,795 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.2061% | 2,915 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7931% | 3,293 |
| Return on assets (ROA) | 0.7102% | 3,493 |
| Pretax return on assets | 0.8760% | 3,393 |
| Return on Equity (ROE) | 6.4700% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.1829% | 2,686 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.3943% | 1,966 |
| Assets per employee ($millions) | 8.8274% | 960 |
| Cash dividends to net income (ytd only)* | 4.4028% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 3,854 |
| Loan loss allowance to noncurrent loans | 568.4502% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 2,751 |
| Noncurrent loans to loans | 0.1583% | 2,816 |
| Net loans and leases to total assets | 76.0900% | 903 |
| Net loans and leases to deposits | 91.0673% | 819 |
| Net loans and leases to core deposits | 98.6093% | 874 |
| Total domestic deposits to total assets | 83.5600% | 3,593 |
| Equity capital to assets | 10.0195% | 1,614 |
| Core capital (leverage) ratio | 11.4257% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $861,344,000 | 1,131 |
| Average earning assets | $830,438,250 | 1,081 |
| Average equity | $94,581,500 | 997 |
| Average total loans | $671,035,250 | 938 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 2,331 |
| Cost of funding earning assets | 0.3566% | 1,212 |
| Net interest margin | 3.0823% | 2,590 |
| Noninterest income to average assets | 0.1995% | 4,000 |
| Noninterest expense to average assets | 2.2000% | 2,858 |
| Loan and lease loss provision to assets | 0.0418% | 1,821 |
| Net operating income to assets | 0.7705% | 3,061 |
| Return on assets (ROA) | 0.6884% | 3,302 |
| Pretax return on assets | 0.8340% | 3,244 |
| Return on Equity (ROE) | 6.0832% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.8714% | 2,376 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2962% | 2,065 |
| Assets per employee ($millions) | 8.8972% | 922 |
| Cash dividends to net income (ytd only)* | 3.4812% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 3,958 |
| Loan loss allowance to noncurrent loans | 482.4464% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 2,714 |
| Noncurrent loans to loans | 0.1859% | 2,775 |
| Net loans and leases to total assets | 76.9693% | 641 |
| Net loans and leases to deposits | 91.3533% | 642 |
| Net loans and leases to core deposits | 98.9065% | 716 |
| Total domestic deposits to total assets | 84.2545% | 3,637 |
| Equity capital to assets | 10.6862% | 1,361 |
| Core capital (leverage) ratio | 11.4511% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $851,269,667 | 1,136 |
| Average earning assets | $821,724,667 | 1,090 |
| Average equity | $96,331,667 | 986 |
| Average total loans | $666,515,000 | 934 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3526% | 2,231 |
| Cost of funding earning assets | 0.3293% | 1,386 |
| Net interest margin | 3.0232% | 2,432 |
| Noninterest income to average assets | 0.2060% | 3,926 |
| Noninterest expense to average assets | 2.2499% | 2,685 |
| Loan and lease loss provision to assets | 0.0362% | 1,707 |
| Net operating income to assets | 0.7324% | 2,916 |
| Return on assets (ROA) | 0.6331% | 3,265 |
| Pretax return on assets | 0.7268% | 3,315 |
| Return on Equity (ROE) | 5.4377% | 3,501 |
| Retained earnings to average equity (ytd only) | 5.2743% | 2,489 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9501% | 1,980 |
| Assets per employee ($millions) | 9.2637% | 839 |
| Cash dividends to net income (ytd only)* | 3.0053% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,046 |
| Loan loss allowance to noncurrent loans | 427.7937% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 2,655 |
| Noncurrent loans to loans | 0.2102% | 2,771 |
| Net loans and leases to total assets | 77.2268% | 436 |
| Net loans and leases to deposits | 94.8459% | 321 |
| Net loans and leases to core deposits | 99.5985% | 529 |
| Total domestic deposits to total assets | 81.4235% | 4,155 |
| Equity capital to assets | 11.2113% | 1,232 |
| Core capital (leverage) ratio | 11.9690% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $840,940,500 | 1,147 |
| Average earning assets | $812,510,500 | 1,111 |
| Average equity | $97,909,500 | 1,003 |
| Average total loans | $661,177,000 | 928 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 2,516 |
| Cost of funding earning assets | 0.3880% | 1,625 |
| Net interest margin | 3.1624% | 2,699 |
| Noninterest income to average assets | 0.2147% | 4,084 |
| Noninterest expense to average assets | 2.1062% | 3,375 |
| Loan and lease loss provision to assets | -0.0316% | 4,279 |
| Net operating income to assets | 0.9259% | 2,956 |
| Return on assets (ROA) | 0.9243% | 3,024 |
| Pretax return on assets | 1.1977% | 2,669 |
| Return on Equity (ROE) | 7.6209% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.3654% | 1,774 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3226% | 2,509 |
| Assets per employee ($millions) | 8.7329% | 1,002 |
| Cash dividends to net income (ytd only)* | 3.3531% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,071 |
| Loan loss allowance to noncurrent loans | 472.8148% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 2,893 |
| Noncurrent loans to loans | 0.1895% | 3,001 |
| Net loans and leases to total assets | 78.6278% | 346 |
| Net loans and leases to deposits | 95.8934% | 320 |
| Net loans and leases to core deposits | 100.6900% | 510 |
| Total domestic deposits to total assets | 81.9950% | 3,968 |
| Equity capital to assets | 12.0862% | 1,218 |
| Core capital (leverage) ratio | 12.0239% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $803,455,600 | 1,156 |
| Average earning assets | $777,353,000 | 1,117 |
| Average equity | $97,442,600 | 1,031 |
| Average total loans | $633,050,000 | 958 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5722% | 2,629 |
| Cost of funding earning assets | 0.4075% | 1,643 |
| Net interest margin | 3.1647% | 2,844 |
| Noninterest income to average assets | 0.2111% | 4,139 |
| Noninterest expense to average assets | 2.1340% | 3,265 |
| Loan and lease loss provision to assets | -0.0606% | 4,495 |
| Net operating income to assets | 0.9218% | 3,174 |
| Return on assets (ROA) | 0.9249% | 3,239 |
| Pretax return on assets | 1.2026% | 2,919 |
| Return on Equity (ROE) | 7.6192% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.3904% | 2,273 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2163% | 2,215 |
| Assets per employee ($millions) | 8.7426% | 976 |
| Cash dividends to net income (ytd only)* | 3.0029% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 4,161 |
| Loan loss allowance to noncurrent loans | 656.2358% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 3,391 |
| Noncurrent loans to loans | 0.1366% | 3,427 |
| Net loans and leases to total assets | 77.8726% | 413 |
| Net loans and leases to deposits | 95.2049% | 372 |
| Net loans and leases to core deposits | 98.7098% | 637 |
| Total domestic deposits to total assets | 81.7947% | 3,964 |
| Equity capital to assets | 12.0415% | 1,380 |
| Core capital (leverage) ratio | 11.9593% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $796,913,750 | 1,176 |
| Average earning assets | $770,813,250 | 1,131 |
| Average equity | $96,735,750 | 1,056 |
| Average total loans | $626,760,000 | 985 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 2,622 |
| Cost of funding earning assets | 0.4344% | 1,620 |
| Net interest margin | 3.1650% | 2,861 |
| Noninterest income to average assets | 0.2062% | 4,170 |
| Noninterest expense to average assets | 2.1509% | 3,238 |
| Loan and lease loss provision to assets | -0.1258% | 4,674 |
| Net operating income to assets | 0.9637% | 3,024 |
| Return on assets (ROA) | 0.9561% | 3,127 |
| Pretax return on assets | 1.2313% | 2,824 |
| Return on Equity (ROE) | 7.8546% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.6358% | 2,214 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8565% | 2,184 |
| Assets per employee ($millions) | 8.6366% | 970 |
| Cash dividends to net income (ytd only)* | 2.7851% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 4,174 |
| Loan loss allowance to noncurrent loans | 617.9235% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,473 |
| Noncurrent loans to loans | 0.1445% | 3,481 |
| Net loans and leases to total assets | 78.1431% | 437 |
| Net loans and leases to deposits | 97.3474% | 340 |
| Net loans and leases to core deposits | 102.7212% | 575 |
| Total domestic deposits to total assets | 80.2724% | 4,199 |
| Equity capital to assets | 12.1646% | 1,291 |
| Core capital (leverage) ratio | 12.0104% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $788,616,667 | 1,173 |
| Average earning assets | $762,398,667 | 1,134 |
| Average equity | $95,995,000 | 1,055 |
| Average total loans | $620,430,333 | 992 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 2,749 |
| Cost of funding earning assets | 0.4679% | 1,602 |
| Net interest margin | 3.0959% | 3,000 |
| Noninterest income to average assets | 0.1940% | 4,223 |
| Noninterest expense to average assets | 2.3007% | 2,790 |
| Loan and lease loss provision to assets | 0.0507% | 2,085 |
| Net operating income to assets | 0.6856% | 3,743 |
| Return on assets (ROA) | 0.6650% | 3,864 |
| Pretax return on assets | 0.8120% | 3,789 |
| Return on Equity (ROE) | 5.4615% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.2891% | 3,128 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1580% | 1,478 |
| Assets per employee ($millions) | 8.8493% | 880 |
| Cash dividends to net income (ytd only)* | 3.1563% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 3,782 |
| Loan loss allowance to noncurrent loans | 331.8640% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,943 |
| Noncurrent loans to loans | 0.3063% | 2,999 |
| Net loans and leases to total assets | 77.2680% | 518 |
| Net loans and leases to deposits | 96.6944% | 386 |
| Net loans and leases to core deposits | 101.2749% | 659 |
| Total domestic deposits to total assets | 79.9095% | 4,216 |
| Equity capital to assets | 12.1077% | 1,240 |
| Core capital (leverage) ratio | 11.9585% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $781,322,000 | 1,168 |
| Average earning assets | $755,708,000 | 1,132 |
| Average equity | $95,139,000 | 1,053 |
| Average total loans | $613,993,500 | 1,004 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 3,311 |
| Cost of funding earning assets | 0.7422% | 1,497 |
| Net interest margin | 3.0547% | 3,740 |
| Noninterest income to average assets | 0.2308% | 4,119 |
| Noninterest expense to average assets | 2.1062% | 3,925 |
| Loan and lease loss provision to assets | 0.1771% | 2,180 |
| Net operating income to assets | 0.6976% | 3,443 |
| Return on assets (ROA) | 0.7438% | 3,408 |
| Pretax return on assets | 0.9529% | 3,211 |
| Return on Equity (ROE) | 6.0770% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.8006% | 1,900 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2711% | 2,488 |
| Assets per employee ($millions) | 8.9087% | 763 |
| Cash dividends to net income (ytd only)* | 4.5487% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,855 |
| Loan loss allowance to noncurrent loans | 336.0656% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 3,111 |
| Noncurrent loans to loans | 0.2984% | 3,125 |
| Net loans and leases to total assets | 78.3214% | 572 |
| Net loans and leases to deposits | 99.5448% | 392 |
| Net loans and leases to core deposits | 102.8387% | 776 |
| Total domestic deposits to total assets | 78.6795% | 4,236 |
| Equity capital to assets | 12.2468% | 1,452 |
| Core capital (leverage) ratio | 11.9435% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $747,809,800 | 1,109 |
| Average earning assets | $721,402,400 | 1,076 |
| Average equity | $91,525,800 | 1,042 |
| Average total loans | $587,572,000 | 999 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 3,464 |
| Cost of funding earning assets | 0.8127% | 1,431 |
| Net interest margin | 3.0194% | 3,928 |
| Noninterest income to average assets | 0.2345% | 4,094 |
| Noninterest expense to average assets | 2.0926% | 3,968 |
| Loan and lease loss provision to assets | 0.2236% | 1,811 |
| Net operating income to assets | 0.6506% | 3,628 |
| Return on assets (ROA) | 0.7048% | 3,544 |
| Pretax return on assets | 0.8975% | 3,389 |
| Return on Equity (ROE) | 5.7595% | 3,634 |
| Retained earnings to average equity (ytd only) | 5.5080% | 2,322 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5275% | 2,400 |
| Assets per employee ($millions) | 8.6745% | 785 |
| Cash dividends to net income (ytd only)* | 4.3656% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,644 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 3,505 |
| Noncurrent loans to loans | 0.2384% | 3,453 |
| Net loans and leases to total assets | 76.8020% | 986 |
| Net loans and leases to deposits | 96.1854% | 747 |
| Net loans and leases to core deposits | 99.6114% | 1,182 |
| Total domestic deposits to total assets | 79.8479% | 3,892 |
| Equity capital to assets | 12.1045% | 1,620 |
| Core capital (leverage) ratio | 11.7571% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $740,999,000 | 1,106 |
| Average earning assets | $714,346,250 | 1,068 |
| Average equity | $90,677,500 | 1,039 |
| Average total loans | $581,169,500 | 1,000 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 3,567 |
| Cost of funding earning assets | 0.9094% | 1,330 |
| Net interest margin | 3.0093% | 4,108 |
| Noninterest income to average assets | 0.2447% | 4,009 |
| Noninterest expense to average assets | 2.1553% | 3,916 |
| Loan and lease loss provision to assets | 0.2981% | 1,443 |
| Net operating income to assets | 0.5498% | 3,885 |
| Return on assets (ROA) | 0.6348% | 3,711 |
| Pretax return on assets | 0.7968% | 3,595 |
| Return on Equity (ROE) | 5.1675% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.9291% | 2,510 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5443% | 2,161 |
| Assets per employee ($millions) | 8.7378% | 740 |
| Cash dividends to net income (ytd only)* | 4.6141% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,462 |
| Loan loss allowance to noncurrent loans | 386.8542% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 3,520 |
| Noncurrent loans to loans | 0.2640% | 3,439 |
| Net loans and leases to total assets | 76.2831% | 1,088 |
| Net loans and leases to deposits | 96.9685% | 726 |
| Net loans and leases to core deposits | 100.6200% | 1,214 |
| Total domestic deposits to total assets | 78.6679% | 4,082 |
| Equity capital to assets | 12.1544% | 1,567 |
| Core capital (leverage) ratio | 11.8575% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $730,654,333 | 1,103 |
| Average earning assets | $703,960,333 | 1,068 |
| Average equity | $89,753,000 | 1,039 |
| Average total loans | $575,224,000 | 995 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 3,717 |
| Cost of funding earning assets | 1.0555% | 1,202 |
| Net interest margin | 2.9706% | 4,333 |
| Noninterest income to average assets | 0.2948% | 3,761 |
| Noninterest expense to average assets | 2.2767% | 3,824 |
| Loan and lease loss provision to assets | 0.5313% | 551 |
| Net operating income to assets | 0.2935% | 4,360 |
| Return on assets (ROA) | 0.4686% | 4,030 |
| Pretax return on assets | 0.5535% | 4,024 |
| Return on Equity (ROE) | 3.7949% | 4,006 |
| Retained earnings to average equity (ytd only) | 3.5925% | 2,853 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1499% | 2,057 |
| Assets per employee ($millions) | 8.6474% | 598 |
| Cash dividends to net income (ytd only)* | 5.3318% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,704 |
| Loan loss allowance to noncurrent loans | 365.3190% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 3,565 |
| Noncurrent loans to loans | 0.2740% | 3,514 |
| Net loans and leases to total assets | 77.8159% | 1,007 |
| Net loans and leases to deposits | 100.8250% | 500 |
| Net loans and leases to core deposits | 106.2055% | 1,049 |
| Total domestic deposits to total assets | 77.1792% | 4,330 |
| Equity capital to assets | 12.1883% | 1,929 |
| Core capital (leverage) ratio | 12.0498% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $720,502,000 | 1,085 |
| Average earning assets | $693,859,500 | 1,041 |
| Average equity | $88,962,000 | 1,043 |
| Average total loans | $573,262,000 | 975 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 3,845 |
| Cost of funding earning assets | 1.1829% | 1,065 |
| Net interest margin | 3.0024% | 4,510 |
| Noninterest income to average assets | 0.2576% | 4,132 |
| Noninterest expense to average assets | 2.2159% | 4,133 |
| Loan and lease loss provision to assets | 0.0574% | 2,882 |
| Net operating income to assets | 0.6904% | 3,898 |
| Return on assets (ROA) | 0.7396% | 3,805 |
| Pretax return on assets | 0.9368% | 3,638 |
| Return on Equity (ROE) | 6.1250% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.7615% | 1,997 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3898% | 2,114 |
| Assets per employee ($millions) | 8.4044% | 619 |
| Cash dividends to net income (ytd only)* | 5.9351% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 4,158 |
| Loan loss allowance to noncurrent loans | 349.4569% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 3,677 |
| Noncurrent loans to loans | 0.2428% | 3,578 |
| Net loans and leases to total assets | 79.8818% | 805 |
| Net loans and leases to deposits | 102.2427% | 459 |
| Net loans and leases to core deposits | 107.5812% | 1,002 |
| Total domestic deposits to total assets | 78.1296% | 4,339 |
| Equity capital to assets | 12.5127% | 1,809 |
| Core capital (leverage) ratio | 12.3326% | 1,577 |
| Tier 1 risk-based capital ratio | 16.0485% | 2,388 |
| Total risk-based capital ratio | 16.9522% | 2,436 |
| Memoranda: | ||
| Average total assets | $678,901,200 | 1,104 |
| Average earning assets | $653,551,000 | 1,057 |
| Average equity | $81,975,200 | 1,072 |
| Average total loans | $529,546,800 | 1,023 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 3,954 |
| Cost of funding earning assets | 1.2035% | 1,030 |
| Net interest margin | 2.9801% | 4,648 |
| Noninterest income to average assets | 0.2575% | 4,199 |
| Noninterest expense to average assets | 2.2533% | 4,063 |
| Loan and lease loss provision to assets | 0.0300% | 3,302 |
| Net operating income to assets | 0.6563% | 4,146 |
| Return on assets (ROA) | 0.7240% | 4,000 |
| Pretax return on assets | 0.9276% | 3,800 |
| Return on Equity (ROE) | 6.0541% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.7157% | 2,500 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0960% | 1,824 |
| Assets per employee ($millions) | 8.5800% | 559 |
| Cash dividends to net income (ytd only)* | 5.5890% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 4,276 |
| Loan loss allowance to noncurrent loans | 319.8745% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 3,745 |
| Noncurrent loans to loans | 0.2626% | 3,603 |
| Net loans and leases to total assets | 77.9136% | 1,155 |
| Net loans and leases to deposits | 97.8682% | 832 |
| Net loans and leases to core deposits | 102.8501% | 1,428 |
| Total domestic deposits to total assets | 79.6108% | 4,068 |
| Equity capital to assets | 12.5415% | 1,884 |
| Core capital (leverage) ratio | 12.1433% | 1,763 |
| Tier 1 risk-based capital ratio | 16.3944% | 2,302 |
| Total risk-based capital ratio | 17.2851% | 2,356 |
| Memoranda: | ||
| Average total assets | $672,133,500 | 1,110 |
| Average earning assets | $646,761,000 | 1,066 |
| Average equity | $80,385,000 | 1,079 |
| Average total loans | $519,741,250 | 1,040 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 4,015 |
| Cost of funding earning assets | 1.2078% | 966 |
| Net interest margin | 2.9551% | 4,751 |
| Noninterest income to average assets | 0.2643% | 4,172 |
| Noninterest expense to average assets | 2.3455% | 3,878 |
| Loan and lease loss provision to assets | 0.0144% | 3,489 |
| Net operating income to assets | 0.5890% | 4,338 |
| Return on assets (ROA) | 0.6254% | 4,281 |
| Pretax return on assets | 0.7943% | 4,107 |
| Return on Equity (ROE) | 5.3196% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.9919% | 2,777 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4624% | 1,463 |
| Assets per employee ($millions) | 8.4791% | 559 |
| Cash dividends to net income (ytd only)* | 6.1598% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 4,300 |
| Loan loss allowance to noncurrent loans | 301.5467% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 3,718 |
| Noncurrent loans to loans | 0.2795% | 3,533 |
| Net loans and leases to total assets | 75.8764% | 1,566 |
| Net loans and leases to deposits | 95.1579% | 1,134 |
| Net loans and leases to core deposits | 102.0163% | 1,552 |
| Total domestic deposits to total assets | 79.7373% | 4,088 |
| Equity capital to assets | 12.3096% | 1,979 |
| Core capital (leverage) ratio | 11.8933% | 1,893 |
| Tier 1 risk-based capital ratio | 16.0068% | 2,407 |
| Total risk-based capital ratio | 16.8723% | 2,507 |
| Memoranda: | ||
| Average total assets | $664,518,330 | 1,122 |
| Average earning assets | $639,508,670 | 1,076 |
| Average equity | $78,126,330 | 1,107 |
| Average total loans | $510,965,000 | 1,056 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 4,209 |
| Cost of funding earning assets | 1.1754% | 973 |
| Net interest margin | 2.8953% | 4,882 |
| Noninterest income to average assets | 0.2600% | 4,153 |
| Noninterest expense to average assets | 2.1838% | 4,301 |
| Loan and lease loss provision to assets | -0.0129% | 5,216 |
| Net operating income to assets | 0.6760% | 4,014 |
| Return on assets (ROA) | 0.7247% | 3,906 |
| Pretax return on assets | 0.9360% | 3,656 |
| Return on Equity (ROE) | 6.3229% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.0541% | 2,436 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7119% | 2,078 |
| Assets per employee ($millions) | 8.6827% | 531 |
| Cash dividends to net income (ytd only)* | 4.2517% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,237 |
| Loan loss allowance to noncurrent loans | 505.7274% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9099% | 1,547 |
| Noncurrent loans to loans | 0.1744% | 3,968 |
| Net loans and leases to total assets | 75.1867% | 1,612 |
| Net loans and leases to deposits | 94.7205% | 1,087 |
| Net loans and leases to core deposits | 103.2884% | 1,367 |
| Total domestic deposits to total assets | 79.3774% | 4,281 |
| Equity capital to assets | 11.4459% | 2,449 |
| Core capital (leverage) ratio | 11.3920% | 2,220 |
| Tier 1 risk-based capital ratio | 14.8874% | 2,925 |
| Total risk-based capital ratio | 15.7773% | 3,019 |
| Memoranda: | ||
| Average total assets | $649,133,000 | 1,156 |
| Average earning assets | $624,450,000 | 1,111 |
| Average equity | $74,396,000 | 1,145 |
| Average total loans | $500,425,500 | 1,080 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 4,110 |
| Cost of funding earning assets | 0.9898% | 792 |
| Net interest margin | 2.9809% | 4,821 |
| Noninterest income to average assets | 0.2841% | 4,200 |
| Noninterest expense to average assets | 2.0945% | 4,579 |
| Loan and lease loss provision to assets | 0.0510% | 3,167 |
| Net operating income to assets | 0.7288% | 4,041 |
| Return on assets (ROA) | 1.1834% | 2,245 |
| Pretax return on assets | 1.5794% | 1,528 |
| Return on Equity (ROE) | 10.6829% | 2,217 |
| Retained earnings to average equity (ytd only) | 10.2634% | 579 |
| Net charge-offs to loans | 0.0004% | 3,775 |
| Credit loss provision to net charge-offs | 15,900.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 3,291.5000% | 24 |
| Efficiency ratio | 66.5055% | 2,787 |
| Assets per employee ($millions) | 8.3997% | 583 |
| Cash dividends to net income (ytd only)* | 3.9269% | 3,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 4,220 |
| Loan loss allowance to noncurrent loans | 496.7525% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 1,417 |
| Noncurrent loans to loans | 0.1785% | 3,956 |
| Net loans and leases to total assets | 77.6737% | 1,325 |
| Net loans and leases to deposits | 98.7051% | 835 |
| Net loans and leases to core deposits | 104.6421% | 1,365 |
| Total domestic deposits to total assets | 78.6927% | 4,371 |
| Equity capital to assets | 11.4763% | 2,268 |
| Core capital (leverage) ratio | 11.5112% | 2,095 |
| Tier 1 risk-based capital ratio | 14.6230% | 3,006 |
| Total risk-based capital ratio | 15.5153% | 3,099 |
| Memoranda: | ||
| Average total assets | $624,051,000 | 1,163 |
| Average earning assets | $599,847,600 | 1,113 |
| Average equity | $69,129,400 | 1,172 |
| Average total loans | $485,758,000 | 1,077 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 4,134 |
| Cost of funding earning assets | 0.9545% | 734 |
| Net interest margin | 2.9772% | 4,877 |
| Noninterest income to average assets | 0.2817% | 4,263 |
| Noninterest expense to average assets | 2.1061% | 4,536 |
| Loan and lease loss provision to assets | 0.0503% | 2,981 |
| Net operating income to assets | 0.7150% | 4,176 |
| Return on assets (ROA) | 1.1640% | 2,400 |
| Pretax return on assets | 1.5564% | 1,713 |
| Return on Equity (ROE) | 10.6063% | 2,348 |
| Retained earnings to average equity (ytd only) | 10.1873% | 864 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9787% | 2,714 |
| Assets per employee ($millions) | 8.4545% | 540 |
| Cash dividends to net income (ytd only)* | 3.9506% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 4,289 |
| Loan loss allowance to noncurrent loans | 468.6760% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5234% | 837 |
| Noncurrent loans to loans | 0.1905% | 4,028 |
| Net loans and leases to total assets | 77.2521% | 1,456 |
| Net loans and leases to deposits | 97.5543% | 990 |
| Net loans and leases to core deposits | 103.7544% | 1,469 |
| Total domestic deposits to total assets | 79.1889% | 4,282 |
| Equity capital to assets | 11.3296% | 2,375 |
| Core capital (leverage) ratio | 10.7825% | 2,814 |
| Tier 1 risk-based capital ratio | 14.4756% | 3,138 |
| Total risk-based capital ratio | 15.3962% | 3,211 |
| Memoranda: | ||
| Average total assets | $620,469,250 | 1,169 |
| Average earning assets | $596,601,750 | 1,120 |
| Average equity | $68,096,250 | 1,183 |
| Average total loans | $482,125,500 | 1,082 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 4,170 |
| Cost of funding earning assets | 0.9199% | 676 |
| Net interest margin | 2.9460% | 4,952 |
| Noninterest income to average assets | 0.2799% | 4,313 |
| Noninterest expense to average assets | 2.1039% | 4,598 |
| Loan and lease loss provision to assets | 0.0747% | 2,393 |
| Net operating income to assets | 0.6591% | 4,324 |
| Return on assets (ROA) | 1.3233% | 1,690 |
| Pretax return on assets | 1.7752% | 1,022 |
| Return on Equity (ROE) | 12.1904% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.7735% | 555 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5838% | 2,711 |
| Assets per employee ($millions) | 8.3723% | 542 |
| Cash dividends to net income (ytd only)* | 3.4196% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 4,391 |
| Loan loss allowance to noncurrent loans | 470.3784% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 1.4553% | 924 |
| Noncurrent loans to loans | 0.1889% | 4,057 |
| Net loans and leases to total assets | 77.2885% | 1,426 |
| Net loans and leases to deposits | 100.3721% | 783 |
| Net loans and leases to core deposits | 108.3152% | 1,099 |
| Total domestic deposits to total assets | 77.0020% | 4,736 |
| Equity capital to assets | 11.0717% | 2,568 |
| Core capital (leverage) ratio | 10.7660% | 2,738 |
| Tier 1 risk-based capital ratio | 14.2112% | 3,257 |
| Total risk-based capital ratio | 15.1374% | 3,327 |
| Memoranda: | ||
| Average total assets | $618,747,000 | 1,177 |
| Average earning assets | $595,048,670 | 1,127 |
| Average equity | $67,167,670 | 1,200 |
| Average total loans | $480,277,000 | 1,089 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 4,087 |
| Cost of funding earning assets | 0.8913% | 625 |
| Net interest margin | 2.9575% | 4,940 |
| Noninterest income to average assets | 0.2690% | 4,373 |
| Noninterest expense to average assets | 2.1254% | 4,599 |
| Loan and lease loss provision to assets | 0.0554% | 2,660 |
| Net operating income to assets | 0.6925% | 4,126 |
| Return on assets (ROA) | 0.7393% | 3,949 |
| Pretax return on assets | 0.9875% | 3,580 |
| Return on Equity (ROE) | 6.8798% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.4676% | 2,520 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3637% | 2,771 |
| Assets per employee ($millions) | 8.1455% | 595 |
| Cash dividends to net income (ytd only)* | 5.9912% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 4,513 |
| Loan loss allowance to noncurrent loans | 561.4152% | 987 |
| Noncurrent assets plus other real estate owned to assets | 1.9182% | 612 |
| Noncurrent loans to loans | 0.1576% | 4,273 |
| Net loans and leases to total assets | 76.1092% | 1,524 |
| Net loans and leases to deposits | 97.5051% | 908 |
| Net loans and leases to core deposits | 109.8157% | 1,018 |
| Total domestic deposits to total assets | 78.0567% | 4,725 |
| Equity capital to assets | 10.7615% | 2,811 |
| Core capital (leverage) ratio | 9.7553% | 3,801 |
| Tier 1 risk-based capital ratio | 13.3329% | 3,754 |
| Total risk-based capital ratio | 14.2726% | 3,849 |
| Memoranda: | ||
| Average total assets | $614,088,000 | 1,194 |
| Average earning assets | $589,692,500 | 1,148 |
| Average equity | $65,990,500 | 1,222 |
| Average total loans | $475,583,000 | 1,108 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8158% | 3,994 |
| Cost of funding earning assets | 0.8345% | 520 |
| Net interest margin | 2.9813% | 4,925 |
| Noninterest income to average assets | 0.3124% | 4,225 |
| Noninterest expense to average assets | 2.0812% | 4,806 |
| Loan and lease loss provision to assets | 0.0815% | 2,569 |
| Net operating income to assets | 0.6248% | 3,912 |
| Return on assets (ROA) | 0.6399% | 3,889 |
| Pretax return on assets | 1.0304% | 3,456 |
| Return on Equity (ROE) | 6.0424% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.6369% | 1,748 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6625% | 3,321 |
| Assets per employee ($millions) | 8.2313% | 588 |
| Cash dividends to net income (ytd only)* | 6.7105% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8659% | 4,608 |
| Loan loss allowance to noncurrent loans | 600.5831% | 941 |
| Noncurrent assets plus other real estate owned to assets | 1.7589% | 718 |
| Noncurrent loans to loans | 0.1442% | 4,347 |
| Net loans and leases to total assets | 77.4367% | 1,355 |
| Net loans and leases to deposits | 99.6278% | 758 |
| Net loans and leases to core deposits | 111.6706% | 918 |
| Total domestic deposits to total assets | 77.7260% | 4,758 |
| Equity capital to assets | 10.7305% | 2,913 |
| Core capital (leverage) ratio | 10.1175% | 3,287 |
| Tier 1 risk-based capital ratio | 13.2129% | 3,783 |
| Total risk-based capital ratio | 14.1159% | 3,888 |
| Memoranda: | ||
| Average total assets | $593,826,600 | 1,206 |
| Average earning assets | $569,105,000 | 1,160 |
| Average equity | $62,889,400 | 1,258 |
| Average total loans | $455,055,000 | 1,115 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 3,989 |
| Cost of funding earning assets | 0.8308% | 491 |
| Net interest margin | 2.9757% | 4,970 |
| Noninterest income to average assets | 0.3123% | 4,291 |
| Noninterest expense to average assets | 2.1215% | 4,687 |
| Loan and lease loss provision to assets | 0.0866% | 2,356 |
| Net operating income to assets | 0.6428% | 4,220 |
| Return on assets (ROA) | 0.6601% | 4,210 |
| Pretax return on assets | 0.9814% | 3,760 |
| Return on Equity (ROE) | 6.2542% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.8495% | 2,338 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0571% | 3,039 |
| Assets per employee ($millions) | 8.4170% | 536 |
| Cash dividends to net income (ytd only)* | 6.4703% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 4,667 |
| Loan loss allowance to noncurrent loans | 752.6217% | 749 |
| Noncurrent assets plus other real estate owned to assets | 1.7465% | 810 |
| Noncurrent loans to loans | 0.1164% | 4,592 |
| Net loans and leases to total assets | 76.0903% | 1,581 |
| Net loans and leases to deposits | 94.2011% | 1,277 |
| Net loans and leases to core deposits | 104.1302% | 1,382 |
| Total domestic deposits to total assets | 80.7744% | 4,112 |
| Equity capital to assets | 10.8660% | 2,998 |
| Core capital (leverage) ratio | 9.6560% | 3,982 |
| Tier 1 risk-based capital ratio | 13.3104% | 3,818 |
| Total risk-based capital ratio | 14.2298% | 3,932 |
| Memoranda: | ||
| Average total assets | $590,004,000 | 1,224 |
| Average earning assets | $565,363,000 | 1,175 |
| Average equity | $62,271,500 | 1,277 |
| Average total loans | $449,868,750 | 1,134 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 3,982 |
| Cost of funding earning assets | 0.8085% | 506 |
| Net interest margin | 2.9656% | 4,980 |
| Noninterest income to average assets | 0.3221% | 4,250 |
| Noninterest expense to average assets | 2.1496% | 4,669 |
| Loan and lease loss provision to assets | 0.1249% | 1,658 |
| Net operating income to assets | 0.6017% | 4,300 |
| Return on assets (ROA) | 0.6172% | 4,270 |
| Pretax return on assets | 0.9100% | 3,898 |
| Return on Equity (ROE) | 5.9071% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.5031% | 2,403 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9875% | 3,019 |
| Assets per employee ($millions) | 8.0398% | 608 |
| Cash dividends to net income (ytd only)* | 6.8395% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 4,734 |
| Loan loss allowance to noncurrent loans | 705.9965% | 774 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 946 |
| Noncurrent loans to loans | 0.1240% | 4,624 |
| Net loans and leases to total assets | 75.1763% | 1,664 |
| Net loans and leases to deposits | 96.0722% | 1,075 |
| Net loans and leases to core deposits | 105.3142% | 1,281 |
| Total domestic deposits to total assets | 78.2498% | 4,780 |
| Equity capital to assets | 10.4833% | 3,370 |
| Core capital (leverage) ratio | 9.7431% | 3,844 |
| Tier 1 risk-based capital ratio | 13.0816% | 3,951 |
| Total risk-based capital ratio | 14.0009% | 4,060 |
| Memoranda: | ||
| Average total assets | $587,469,330 | 1,227 |
| Average earning assets | $562,510,330 | 1,186 |
| Average equity | $61,383,330 | 1,296 |
| Average total loans | $446,911,330 | 1,141 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 3,847 |
| Cost of funding earning assets | 0.7888% | 526 |
| Net interest margin | 2.9868% | 4,915 |
| Noninterest income to average assets | 0.3388% | 4,135 |
| Noninterest expense to average assets | 2.1735% | 4,714 |
| Loan and lease loss provision to assets | 0.1352% | 1,417 |
| Net operating income to assets | 0.6119% | 4,106 |
| Return on assets (ROA) | 0.6320% | 4,053 |
| Pretax return on assets | 0.9260% | 3,673 |
| Return on Equity (ROE) | 6.0594% | 3,881 |
| Retained earnings to average equity (ytd only) | 5.6558% | 2,518 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8149% | 3,229 |
| Assets per employee ($millions) | 8.2716% | 550 |
| Cash dividends to net income (ytd only)* | 6.6594% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 4,871 |
| Loan loss allowance to noncurrent loans | 551.3669% | 983 |
| Noncurrent assets plus other real estate owned to assets | 1.6269% | 956 |
| Noncurrent loans to loans | 0.1575% | 4,556 |
| Net loans and leases to total assets | 75.5609% | 1,488 |
| Net loans and leases to deposits | 96.8017% | 862 |
| Net loans and leases to core deposits | 105.8911% | 1,110 |
| Total domestic deposits to total assets | 78.0574% | 4,957 |
| Equity capital to assets | 10.6050% | 3,062 |
| Core capital (leverage) ratio | 9.4019% | 4,231 |
| Tier 1 risk-based capital ratio | 13.1210% | 4,014 |
| Total risk-based capital ratio | 14.0460% | 4,094 |
| Memoranda: | ||
| Average total assets | $579,710,000 | 1,245 |
| Average earning assets | $556,321,000 | 1,195 |
| Average equity | $60,468,500 | 1,311 |
| Average total loans | $441,713,500 | 1,157 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 3,994 |
| Cost of funding earning assets | 0.7821% | 548 |
| Net interest margin | 2.9883% | 4,981 |
| Noninterest income to average assets | 0.3224% | 4,434 |
| Noninterest expense to average assets | 2.1590% | 4,867 |
| Loan and lease loss provision to assets | 0.1198% | 2,066 |
| Net operating income to assets | 0.6111% | 4,162 |
| Return on assets (ROA) | 0.6408% | 4,149 |
| Pretax return on assets | 0.9520% | 3,649 |
| Return on Equity (ROE) | 5.9286% | 4,013 |
| Retained earnings to average equity (ytd only) | 5.5073% | 2,010 |
| Net charge-offs to loans | 0.0197% | 3,660 |
| Credit loss provision to net charge-offs | 818.7500% | 450 |
| Earnings coverage of net charge-offs (x) | 70.2375% | 788 |
| Efficiency ratio | 67.7532% | 3,288 |
| Assets per employee ($millions) | 7.7388% | 672 |
| Cash dividends to net income (ytd only)* | 7.1062% | 4,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 5,044 |
| Loan loss allowance to noncurrent loans | 506.4067% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4884% | 1,126 |
| Noncurrent loans to loans | 0.1624% | 4,583 |
| Net loans and leases to total assets | 75.5421% | 1,595 |
| Net loans and leases to deposits | 98.5941% | 772 |
| Net loans and leases to core deposits | 102.4725% | 1,415 |
| Total domestic deposits to total assets | 76.6193% | 5,165 |
| Equity capital to assets | 10.2571% | 3,438 |
| Core capital (leverage) ratio | 9.8682% | 3,668 |
| Tier 1 risk-based capital ratio | 13.0225% | 4,061 |
| Total risk-based capital ratio | 13.8753% | 4,199 |
| Memoranda: | ||
| Average total assets | $546,838,600 | 1,266 |
| Average earning assets | $524,105,200 | 1,224 |
| Average equity | $59,103,400 | 1,306 |
| Average total loans | $405,740,400 | 1,187 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 4,025 |
| Cost of funding earning assets | 0.7910% | 530 |
| Net interest margin | 2.9776% | 5,057 |
| Noninterest income to average assets | 0.3231% | 4,465 |
| Noninterest expense to average assets | 2.1900% | 4,796 |
| Loan and lease loss provision to assets | 0.1347% | 1,742 |
| Net operating income to assets | 0.5738% | 4,399 |
| Return on assets (ROA) | 0.6091% | 4,371 |
| Pretax return on assets | 0.9043% | 3,964 |
| Return on Equity (ROE) | 5.5596% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.1369% | 2,730 |
| Net charge-offs to loans | 0.0158% | 3,413 |
| Credit loss provision to net charge-offs | 1,157.4468% | 356 |
| Earnings coverage of net charge-offs (x) | 84.7380% | 743 |
| Efficiency ratio | 68.9483% | 3,050 |
| Assets per employee ($millions) | 7.4062% | 753 |
| Cash dividends to net income (ytd only)* | 7.6017% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 5,098 |
| Loan loss allowance to noncurrent loans | 476.9437% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 1,076 |
| Noncurrent loans to loans | 0.1742% | 4,652 |
| Net loans and leases to total assets | 75.4383% | 1,628 |
| Net loans and leases to deposits | 92.5180% | 1,430 |
| Net loans and leases to core deposits | 96.1858% | 1,973 |
| Total domestic deposits to total assets | 81.5390% | 4,097 |
| Equity capital to assets | 10.6608% | 3,393 |
| Core capital (leverage) ratio | 10.1157% | 3,420 |
| Tier 1 risk-based capital ratio | 13.6192% | 3,787 |
| Total risk-based capital ratio | 14.5098% | 3,911 |
| Memoranda: | ||
| Average total assets | $538,445,750 | 1,291 |
| Average earning assets | $515,928,500 | 1,244 |
| Average equity | $58,996,000 | 1,318 |
| Average total loans | $396,653,000 | 1,206 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 3,945 |
| Cost of funding earning assets | 0.8014% | 488 |
| Net interest margin | 3.0020% | 5,078 |
| Noninterest income to average assets | 0.3130% | 4,534 |
| Noninterest expense to average assets | 2.2323% | 4,773 |
| Loan and lease loss provision to assets | 0.0875% | 2,395 |
| Net operating income to assets | 0.5836% | 4,339 |
| Return on assets (ROA) | 0.6113% | 4,346 |
| Pretax return on assets | 0.9097% | 3,921 |
| Return on Equity (ROE) | 5.5268% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.1722% | 2,618 |
| Net charge-offs to loans | 0.0243% | 2,996 |
| Credit loss provision to net charge-offs | 493.6170% | 666 |
| Earnings coverage of net charge-offs (x) | 53.9149% | 947 |
| Efficiency ratio | 70.0225% | 2,984 |
| Assets per employee ($millions) | 6.7157% | 993 |
| Cash dividends to net income (ytd only)* | 6.4158% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 5,174 |
| Loan loss allowance to noncurrent loans | 597.7901% | 922 |
| Noncurrent assets plus other real estate owned to assets | 1.7997% | 959 |
| Noncurrent loans to loans | 0.1398% | 4,873 |
| Net loans and leases to total assets | 73.5199% | 1,927 |
| Net loans and leases to deposits | 90.3493% | 1,715 |
| Net loans and leases to core deposits | 94.3752% | 2,130 |
| Total domestic deposits to total assets | 81.3729% | 4,169 |
| Equity capital to assets | 11.3439% | 2,702 |
| Core capital (leverage) ratio | 10.2144% | 3,318 |
| Tier 1 risk-based capital ratio | 14.5891% | 3,265 |
| Total risk-based capital ratio | 15.4738% | 3,403 |
| Memoranda: | ||
| Average total assets | $530,305,000 | 1,312 |
| Average earning assets | $507,856,000 | 1,267 |
| Average equity | $58,659,330 | 1,325 |
| Average total loans | $386,145,330 | 1,235 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 4,054 |
| Cost of funding earning assets | 0.8014% | 490 |
| Net interest margin | 2.9709% | 5,179 |
| Noninterest income to average assets | 0.3179% | 4,454 |
| Noninterest expense to average assets | 2.1906% | 4,921 |
| Loan and lease loss provision to assets | 0.1552% | 1,351 |
| Net operating income to assets | 0.5530% | 4,406 |
| Return on assets (ROA) | 0.5660% | 4,446 |
| Pretax return on assets | 0.8404% | 4,064 |
| Return on Equity (ROE) | 5.1821% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.9006% | 3,001 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1761% | 3,268 |
| Assets per employee ($millions) | 7.3025% | 774 |
| Cash dividends to net income (ytd only)* | 5.4305% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 5,240 |
| Loan loss allowance to noncurrent loans | 495.9029% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 1.9003% | 943 |
| Noncurrent loans to loans | 0.1708% | 4,801 |
| Net loans and leases to total assets | 71.7764% | 2,077 |
| Net loans and leases to deposits | 88.4381% | 1,779 |
| Net loans and leases to core deposits | 92.7741% | 2,116 |
| Total domestic deposits to total assets | 81.1601% | 4,440 |
| Equity capital to assets | 11.0628% | 2,872 |
| Core capital (leverage) ratio | 9.9656% | 3,581 |
| Tier 1 risk-based capital ratio | 14.2618% | 3,525 |
| Total risk-based capital ratio | 15.1487% | 3,689 |
| Memoranda: | ||
| Average total assets | $533,545,500 | 1,302 |
| Average earning assets | $511,635,500 | 1,262 |
| Average equity | $58,278,000 | 1,327 |
| Average total loans | $385,037,500 | 1,236 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 4,063 |
| Cost of funding earning assets | 0.8046% | 479 |
| Net interest margin | 2.9895% | 5,164 |
| Noninterest income to average assets | 0.3304% | 4,538 |
| Noninterest expense to average assets | 2.1042% | 5,248 |
| Loan and lease loss provision to assets | 0.0622% | 3,057 |
| Net operating income to assets | 0.6740% | 3,933 |
| Return on assets (ROA) | 0.7576% | 3,635 |
| Pretax return on assets | 1.1218% | 2,952 |
| Return on Equity (ROE) | 7.1667% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.6798% | 1,451 |
| Net charge-offs to loans | 0.0078% | 4,168 |
| Credit loss provision to net charge-offs | 1,124.1379% | 304 |
| Earnings coverage of net charge-offs (x) | 196.5172% | 339 |
| Efficiency ratio | 65.6907% | 3,953 |
| Assets per employee ($millions) | 7.4167% | 734 |
| Cash dividends to net income (ytd only)* | 6.7942% | 4,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 5,414 |
| Loan loss allowance to noncurrent loans | 461.6893% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 1.8719% | 982 |
| Noncurrent loans to loans | 0.1726% | 4,797 |
| Net loans and leases to total assets | 71.3694% | 2,153 |
| Net loans and leases to deposits | 87.3873% | 1,946 |
| Net loans and leases to core deposits | 91.4946% | 2,269 |
| Total domestic deposits to total assets | 81.6702% | 4,276 |
| Equity capital to assets | 10.7830% | 3,047 |
| Core capital (leverage) ratio | 10.1796% | 3,287 |
| Tier 1 risk-based capital ratio | 14.0453% | 3,693 |
| Total risk-based capital ratio | 14.8449% | 3,885 |
| Memoranda: | ||
| Average total assets | $524,522,400 | 1,288 |
| Average earning assets | $501,854,000 | 1,246 |
| Average equity | $55,451,000 | 1,350 |
| Average total loans | $373,569,400 | 1,222 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,087 |
| Cost of funding earning assets | 0.8099% | 471 |
| Net interest margin | 2.9898% | 5,219 |
| Noninterest income to average assets | 0.3138% | 4,700 |
| Noninterest expense to average assets | 2.0979% | 5,276 |
| Loan and lease loss provision to assets | 0.0666% | 2,852 |
| Net operating income to assets | 0.6614% | 4,073 |
| Return on assets (ROA) | 0.7694% | 3,673 |
| Pretax return on assets | 1.1327% | 3,087 |
| Return on Equity (ROE) | 7.3149% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.8609% | 1,753 |
| Net charge-offs to loans | 0.0101% | 3,820 |
| Credit loss provision to net charge-offs | 932.1429% | 390 |
| Earnings coverage of net charge-offs (x) | 150.3667% | 470 |
| Efficiency ratio | 65.7734% | 3,934 |
| Assets per employee ($millions) | 7.4577% | 702 |
| Cash dividends to net income (ytd only)* | 6.2065% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 5,540 |
| Loan loss allowance to noncurrent loans | 641.7559% | 823 |
| Noncurrent assets plus other real estate owned to assets | 1.8096% | 1,179 |
| Noncurrent loans to loans | 0.1232% | 5,136 |
| Net loans and leases to total assets | 70.0402% | 2,378 |
| Net loans and leases to deposits | 85.0313% | 2,278 |
| Net loans and leases to core deposits | 89.0121% | 2,561 |
| Total domestic deposits to total assets | 82.3699% | 4,040 |
| Equity capital to assets | 10.5757% | 3,512 |
| Core capital (leverage) ratio | 10.0618% | 3,545 |
| Tier 1 risk-based capital ratio | 14.0189% | 3,833 |
| Total risk-based capital ratio | 14.8159% | 4,029 |
| Memoranda: | ||
| Average total assets | $522,151,750 | 1,300 |
| Average earning assets | $499,322,000 | 1,257 |
| Average equity | $54,918,250 | 1,368 |
| Average total loans | $370,917,500 | 1,236 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 4,024 |
| Cost of funding earning assets | 0.8265% | 439 |
| Net interest margin | 2.9843% | 5,261 |
| Noninterest income to average assets | 0.2997% | 4,812 |
| Noninterest expense to average assets | 2.1647% | 5,193 |
| Loan and lease loss provision to assets | 0.0789% | 2,537 |
| Net operating income to assets | 0.5969% | 4,358 |
| Return on assets (ROA) | 0.7533% | 3,727 |
| Pretax return on assets | 1.0847% | 3,239 |
| Return on Equity (ROE) | 7.1756% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.7188% | 1,833 |
| Net charge-offs to loans | 0.0152% | 3,406 |
| Credit loss provision to net charge-offs | 728.5714% | 468 |
| Earnings coverage of net charge-offs (x) | 91.0714% | 641 |
| Efficiency ratio | 68.3481% | 3,624 |
| Assets per employee ($millions) | 7.3721% | 711 |
| Cash dividends to net income (ytd only)* | 6.3655% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 5,641 |
| Loan loss allowance to noncurrent loans | 748.0916% | 719 |
| Noncurrent assets plus other real estate owned to assets | 1.8922% | 1,197 |
| Noncurrent loans to loans | 0.1046% | 5,326 |
| Net loans and leases to total assets | 71.2369% | 2,120 |
| Net loans and leases to deposits | 92.0780% | 1,365 |
| Net loans and leases to core deposits | 96.4428% | 1,761 |
| Total domestic deposits to total assets | 77.3658% | 5,396 |
| Equity capital to assets | 10.6049% | 3,315 |
| Core capital (leverage) ratio | 10.0770% | 3,497 |
| Tier 1 risk-based capital ratio | 13.6969% | 4,099 |
| Total risk-based capital ratio | 14.4760% | 4,315 |
| Memoranda: | ||
| Average total assets | $517,217,000 | 1,319 |
| Average earning assets | $494,124,000 | 1,281 |
| Average equity | $54,295,330 | 1,390 |
| Average total loans | $368,196,000 | 1,248 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8192% | 3,934 |
| Cost of funding earning assets | 0.8269% | 433 |
| Net interest margin | 2.9923% | 5,237 |
| Noninterest income to average assets | 0.2824% | 4,920 |
| Noninterest expense to average assets | 2.1855% | 5,187 |
| Loan and lease loss provision to assets | 0.0311% | 3,270 |
| Net operating income to assets | 0.6167% | 4,210 |
| Return on assets (ROA) | 0.6870% | 3,990 |
| Pretax return on assets | 1.0356% | 3,358 |
| Return on Equity (ROE) | 6.5786% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.1242% | 2,417 |
| Net charge-offs to loans | 0.0307% | 2,574 |
| Credit loss provision to net charge-offs | 142.8571% | 1,288 |
| Earnings coverage of net charge-offs (x) | 44.0714% | 912 |
| Efficiency ratio | 69.0824% | 3,643 |
| Assets per employee ($millions) | 7.2678% | 749 |
| Cash dividends to net income (ytd only)* | 6.9083% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 5,775 |
| Loan loss allowance to noncurrent loans | 692.2693% | 748 |
| Noncurrent assets plus other real estate owned to assets | 1.8356% | 1,331 |
| Noncurrent loans to loans | 0.1103% | 5,368 |
| Net loans and leases to total assets | 69.9005% | 2,158 |
| Net loans and leases to deposits | 87.5431% | 1,667 |
| Net loans and leases to core deposits | 91.7871% | 1,963 |
| Total domestic deposits to total assets | 79.8470% | 5,085 |
| Equity capital to assets | 10.5794% | 3,453 |
| Core capital (leverage) ratio | 9.8795% | 3,783 |
| Tier 1 risk-based capital ratio | 13.6969% | 4,223 |
| Total risk-based capital ratio | 14.4499% | 4,416 |
| Memoranda: | ||
| Average total assets | $514,115,500 | 1,334 |
| Average earning assets | $491,932,000 | 1,289 |
| Average equity | $53,689,000 | 1,418 |
| Average total loans | $364,390,000 | 1,259 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 4,018 |
| Cost of funding earning assets | 0.8374% | 546 |
| Net interest margin | 3.0929% | 5,226 |
| Noninterest income to average assets | 0.3490% | 4,611 |
| Noninterest expense to average assets | 2.1440% | 5,471 |
| Loan and lease loss provision to assets | 0.0349% | 3,894 |
| Net operating income to assets | 0.7335% | 3,717 |
| Return on assets (ROA) | 0.8003% | 3,471 |
| Pretax return on assets | 1.2308% | 2,525 |
| Return on Equity (ROE) | 7.9515% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.4530% | 1,214 |
| Net charge-offs to loans | 0.0183% | 4,487 |
| Credit loss provision to net charge-offs | 266.1538% | 964 |
| Earnings coverage of net charge-offs (x) | 88.8000% | 578 |
| Efficiency ratio | 64.4428% | 4,522 |
| Assets per employee ($millions) | 7.2144% | 752 |
| Cash dividends to net income (ytd only)* | 6.2689% | 4,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 5,872 |
| Loan loss allowance to noncurrent loans | 302.4070% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 1.8830% | 1,370 |
| Noncurrent loans to loans | 0.2502% | 4,937 |
| Net loans and leases to total assets | 70.7793% | 2,111 |
| Net loans and leases to deposits | 89.8047% | 1,537 |
| Net loans and leases to core deposits | 94.1927% | 1,903 |
| Total domestic deposits to total assets | 78.8147% | 5,289 |
| Equity capital to assets | 10.3056% | 3,713 |
| Core capital (leverage) ratio | 10.6621% | 2,765 |
| Tier 1 risk-based capital ratio | 13.4566% | 4,442 |
| Total risk-based capital ratio | 14.1343% | 4,719 |
| Memoranda: | ||
| Average total assets | $496,325,800 | 1,341 |
| Average earning assets | $474,668,400 | 1,288 |
| Average equity | $49,952,800 | 1,443 |
| Average total loans | $355,064,600 | 1,245 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 4,036 |
| Cost of funding earning assets | 0.8349% | 578 |
| Net interest margin | 3.0994% | 5,260 |
| Noninterest income to average assets | 0.3594% | 4,559 |
| Noninterest expense to average assets | 2.1661% | 5,416 |
| Loan and lease loss provision to assets | 0.0412% | 3,580 |
| Net operating income to assets | 0.7263% | 3,806 |
| Return on assets (ROA) | 0.8102% | 3,480 |
| Pretax return on assets | 1.2457% | 2,590 |
| Return on Equity (ROE) | 8.1009% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.5919% | 1,540 |
| Net charge-offs to loans | 0.0174% | 4,184 |
| Credit loss provision to net charge-offs | 330.4348% | 846 |
| Earnings coverage of net charge-offs (x) | 92.9376% | 623 |
| Efficiency ratio | 64.7792% | 4,418 |
| Assets per employee ($millions) | 7.3006% | 702 |
| Cash dividends to net income (ytd only)* | 6.2834% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 5,956 |
| Loan loss allowance to noncurrent loans | 323.0409% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 1.8762% | 1,568 |
| Noncurrent loans to loans | 0.2369% | 5,188 |
| Net loans and leases to total assets | 70.0777% | 2,182 |
| Net loans and leases to deposits | 85.4972% | 1,968 |
| Net loans and leases to core deposits | 89.5461% | 2,269 |
| Total domestic deposits to total assets | 81.9650% | 4,488 |
| Equity capital to assets | 10.0461% | 4,107 |
| Core capital (leverage) ratio | 10.7111% | 2,807 |
| Tier 1 risk-based capital ratio | 13.1714% | 4,750 |
| Total risk-based capital ratio | 13.8461% | 5,035 |
| Memoranda: | ||
| Average total assets | $492,352,500 | 1,361 |
| Average earning assets | $470,921,250 | 1,307 |
| Average equity | $49,244,250 | 1,463 |
| Average total loans | $352,503,500 | 1,260 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,808 |
| Cost of funding earning assets | 0.8322% | 606 |
| Net interest margin | 3.1491% | 5,096 |
| Noninterest income to average assets | 0.3695% | 4,484 |
| Noninterest expense to average assets | 2.2315% | 5,341 |
| Loan and lease loss provision to assets | 0.0428% | 3,461 |
| Net operating income to assets | 0.7132% | 3,770 |
| Return on assets (ROA) | 0.8183% | 3,338 |
| Pretax return on assets | 1.2676% | 2,381 |
| Return on Equity (ROE) | 8.1943% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.6794% | 1,445 |
| Net charge-offs to loans | 0.0263% | 3,667 |
| Credit loss provision to net charge-offs | 226.0870% | 1,059 |
| Earnings coverage of net charge-offs (x) | 60.6957% | 799 |
| Efficiency ratio | 65.6280% | 4,415 |
| Assets per employee ($millions) | 6.9190% | 829 |
| Cash dividends to net income (ytd only)* | 6.2846% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 6,052 |
| Loan loss allowance to noncurrent loans | 1,008.9219% | 518 |
| Noncurrent assets plus other real estate owned to assets | 1.7992% | 1,800 |
| Noncurrent loans to loans | 0.0763% | 5,793 |
| Net loans and leases to total assets | 72.2503% | 1,694 |
| Net loans and leases to deposits | 89.1154% | 1,465 |
| Net loans and leases to core deposits | 94.1168% | 1,764 |
| Total domestic deposits to total assets | 81.0750% | 4,957 |
| Equity capital to assets | 10.3732% | 3,593 |
| Core capital (leverage) ratio | 10.8452% | 2,584 |
| Tier 1 risk-based capital ratio | 13.2797% | 4,733 |
| Total risk-based capital ratio | 13.9600% | 5,025 |
| Memoranda: | ||
| Average total assets | $486,122,000 | 1,380 |
| Average earning assets | $464,771,000 | 1,325 |
| Average equity | $48,545,670 | 1,473 |
| Average total loans | $349,708,000 | 1,260 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,826 |
| Cost of funding earning assets | 0.8366% | 626 |
| Net interest margin | 3.1301% | 5,145 |
| Noninterest income to average assets | 0.2834% | 5,106 |
| Noninterest expense to average assets | 2.4147% | 4,884 |
| Loan and lease loss provision to assets | 0.0033% | 3,780 |
| Net operating income to assets | 0.5544% | 4,439 |
| Return on assets (ROA) | 0.7236% | 3,652 |
| Pretax return on assets | 1.1186% | 2,819 |
| Return on Equity (ROE) | 7.3882% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.8682% | 2,107 |
| Net charge-offs to loans | 0.0528% | 2,642 |
| Credit loss provision to net charge-offs | 8.6957% | 2,618 |
| Earnings coverage of net charge-offs (x) | 22.8043% | 1,239 |
| Efficiency ratio | 73.3016% | 3,263 |
| Assets per employee ($millions) | 6.9232% | 828 |
| Cash dividends to net income (ytd only)* | 7.0375% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7507% | 6,197 |
| Loan loss allowance to noncurrent loans | 1,697.4026% | 334 |
| Noncurrent assets plus other real estate owned to assets | 1.6811% | 2,103 |
| Noncurrent loans to loans | 0.0442% | 6,017 |
| Net loans and leases to total assets | 71.3121% | 1,679 |
| Net loans and leases to deposits | 87.7365% | 1,385 |
| Net loans and leases to core deposits | 92.2997% | 1,701 |
| Total domestic deposits to total assets | 81.2799% | 5,156 |
| Equity capital to assets | 10.0057% | 3,836 |
| Core capital (leverage) ratio | 10.5758% | 2,841 |
| Tier 1 risk-based capital ratio | 13.2462% | 4,865 |
| Total risk-based capital ratio | 13.9137% | 5,146 |
| Memoranda: | ||
| Average total assets | $487,016,500 | 1,387 |
| Average earning assets | $465,669,000 | 1,325 |
| Average equity | $47,698,000 | 1,495 |
| Average total loans | $348,239,000 | 1,261 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 3,801 |
| Cost of funding earning assets | 0.9125% | 690 |
| Net interest margin | 3.1713% | 5,089 |
| Noninterest income to average assets | 0.2425% | 5,610 |
| Noninterest expense to average assets | 2.1328% | 5,764 |
| Loan and lease loss provision to assets | 0.0336% | 4,447 |
| Net operating income to assets | 0.7380% | 3,618 |
| Return on assets (ROA) | 0.7899% | 3,448 |
| Pretax return on assets | 1.1802% | 2,656 |
| Return on Equity (ROE) | 8.1974% | 2,926 |
| Retained earnings to average equity (ytd only) | 7.6579% | 1,168 |
| Net charge-offs to loans | 0.0066% | 5,322 |
| Credit loss provision to net charge-offs | 731.8182% | 337 |
| Earnings coverage of net charge-offs (x) | 247.4545% | 184 |
| Efficiency ratio | 64.8321% | 4,761 |
| Assets per employee ($millions) | 6.9916% | 774 |
| Cash dividends to net income (ytd only)* | 6.5803% | 4,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 6,246 |
| Loan loss allowance to noncurrent loans | 2,141.9355% | 281 |
| Noncurrent assets plus other real estate owned to assets | 1.5686% | 2,374 |
| Noncurrent loans to loans | 0.0356% | 6,145 |
| Net loans and leases to total assets | 70.6183% | 1,917 |
| Net loans and leases to deposits | 84.7739% | 1,828 |
| Net loans and leases to core deposits | 89.1265% | 2,124 |
| Total domestic deposits to total assets | 83.3019% | 4,427 |
| Equity capital to assets | 9.5842% | 4,310 |
| Core capital (leverage) ratio | 10.3475% | 3,095 |
| Tier 1 risk-based capital ratio | 13.0037% | 4,967 |
| Total risk-based capital ratio | 13.6803% | 5,277 |
| Memoranda: | ||
| Average total assets | $479,078,000 | 1,388 |
| Average earning assets | $457,220,000 | 1,325 |
| Average equity | $46,161,200 | 1,518 |
| Average total loans | $331,773,600 | 1,284 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 3,759 |
| Cost of funding earning assets | 0.9263% | 719 |
| Net interest margin | 3.1740% | 5,075 |
| Noninterest income to average assets | 0.2177% | 5,874 |
| Noninterest expense to average assets | 2.1532% | 5,715 |
| Loan and lease loss provision to assets | 0.0333% | 4,355 |
| Net operating income to assets | 0.7159% | 3,780 |
| Return on assets (ROA) | 0.7723% | 3,625 |
| Pretax return on assets | 1.1453% | 2,920 |
| Return on Equity (ROE) | 8.0042% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.4618% | 1,659 |
| Net charge-offs to loans | 0.0090% | 4,972 |
| Credit loss provision to net charge-offs | 540.9091% | 519 |
| Earnings coverage of net charge-offs (x) | 177.7886% | 320 |
| Efficiency ratio | 65.8883% | 4,506 |
| Assets per employee ($millions) | 7.0049% | 748 |
| Cash dividends to net income (ytd only)* | 6.7754% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 6,355 |
| Loan loss allowance to noncurrent loans | 2,074.6032% | 258 |
| Noncurrent assets plus other real estate owned to assets | 1.5868% | 2,560 |
| Noncurrent loans to loans | 0.0365% | 6,234 |
| Net loans and leases to total assets | 68.8088% | 2,174 |
| Net loans and leases to deposits | 82.2714% | 2,108 |
| Net loans and leases to core deposits | 86.1602% | 2,390 |
| Total domestic deposits to total assets | 83.6363% | 4,329 |
| Equity capital to assets | 9.3657% | 4,723 |
| Core capital (leverage) ratio | 10.4677% | 3,040 |
| Tier 1 risk-based capital ratio | 12.8003% | 5,256 |
| Total risk-based capital ratio | 13.4682% | 5,562 |
| Memoranda: | ||
| Average total assets | $476,495,000 | 1,400 |
| Average earning assets | $454,849,500 | 1,340 |
| Average equity | $45,975,000 | 1,536 |
| Average total loans | $327,649,750 | 1,301 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 3,444 |
| Cost of funding earning assets | 0.9500% | 712 |
| Net interest margin | 3.2311% | 4,834 |
| Noninterest income to average assets | 0.1614% | 6,246 |
| Noninterest expense to average assets | 2.2268% | 5,563 |
| Loan and lease loss provision to assets | 0.0413% | 4,129 |
| Net operating income to assets | 0.6732% | 3,938 |
| Return on assets (ROA) | 0.6785% | 4,076 |
| Pretax return on assets | 0.9822% | 3,593 |
| Return on Equity (ROE) | 6.9604% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.5103% | 2,137 |
| Net charge-offs to loans | 0.0149% | 4,546 |
| Credit loss provision to net charge-offs | 404.1667% | 650 |
| Earnings coverage of net charge-offs (x) | 99.3750% | 464 |
| Efficiency ratio | 68.2517% | 4,138 |
| Assets per employee ($millions) | 6.7230% | 818 |
| Cash dividends to net income (ytd only)* | 6.4658% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 6,371 |
| Loan loss allowance to noncurrent loans | 293.9841% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 1.8066% | 2,400 |
| Noncurrent loans to loans | 0.2693% | 5,635 |
| Net loans and leases to total assets | 68.9630% | 2,067 |
| Net loans and leases to deposits | 83.5448% | 1,863 |
| Net loans and leases to core deposits | 87.4854% | 2,174 |
| Total domestic deposits to total assets | 82.5461% | 4,869 |
| Equity capital to assets | 9.7203% | 4,272 |
| Core capital (leverage) ratio | 10.4090% | 2,976 |
| Tier 1 risk-based capital ratio | 12.9928% | 5,149 |
| Total risk-based capital ratio | 13.6794% | 5,493 |
| Memoranda: | ||
| Average total assets | $469,545,000 | 1,412 |
| Average earning assets | $447,779,000 | 1,368 |
| Average equity | $45,773,330 | 1,548 |
| Average total loans | $321,922,670 | 1,319 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 3,454 |
| Cost of funding earning assets | 0.9579% | 757 |
| Net interest margin | 3.2051% | 4,920 |
| Noninterest income to average assets | -0.0247% | 6,886 |
| Noninterest expense to average assets | 2.2925% | 5,449 |
| Loan and lease loss provision to assets | -0.0043% | 6,725 |
| Net operating income to assets | 0.5354% | 4,517 |
| Return on assets (ROA) | 0.5569% | 4,582 |
| Pretax return on assets | 0.7701% | 4,295 |
| Return on Equity (ROE) | 5.7046% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.1717% | 3,128 |
| Net charge-offs to loans | 0.0263% | 3,665 |
| Credit loss provision to net charge-offs | -23.8095% | 4,992 |
| Earnings coverage of net charge-offs (x) | 41.0952% | 774 |
| Efficiency ratio | 75.2464% | 3,049 |
| Assets per employee ($millions) | 6.8220% | 837 |
| Cash dividends to net income (ytd only)* | 9.3415% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7778% | 6,492 |
| Loan loss allowance to noncurrent loans | 624.3108% | 702 |
| Noncurrent assets plus other real estate owned to assets | 1.6356% | 2,816 |
| Noncurrent loans to loans | 0.1246% | 6,096 |
| Net loans and leases to total assets | 67.5060% | 2,106 |
| Net loans and leases to deposits | 82.1243% | 1,810 |
| Net loans and leases to core deposits | 85.6762% | 2,138 |
| Total domestic deposits to total assets | 82.1998% | 5,125 |
| Equity capital to assets | 9.7471% | 4,505 |
| Core capital (leverage) ratio | 10.3579% | 2,954 |
| Tier 1 risk-based capital ratio | 12.8141% | 5,361 |
| Total risk-based capital ratio | 13.4768% | 5,733 |
| Memoranda: | ||
| Average total assets | $469,011,500 | 1,428 |
| Average earning assets | $446,794,000 | 1,381 |
| Average equity | $45,787,500 | 1,567 |
| Average total loans | $319,315,000 | 1,330 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 4,084 |
| Cost of funding earning assets | 1.1632% | 684 |
| Net interest margin | 3.1686% | 5,646 |
| Noninterest income to average assets | 0.3386% | 5,036 |
| Noninterest expense to average assets | 2.0370% | 6,263 |
| Loan and lease loss provision to assets | 0.0698% | 4,871 |
| Net operating income to assets | 0.8846% | 2,892 |
| Return on assets (ROA) | 0.9092% | 3,012 |
| Pretax return on assets | 1.2766% | 2,497 |
| Return on Equity (ROE) | 9.5696% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.0012% | 820 |
| Net charge-offs to loans | -0.0013% | 6,312 |
| Credit loss provision to net charge-offs | -8,050.0000% | 6,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4145% | 5,485 |
| Assets per employee ($millions) | 6.7726% | 864 |
| Cash dividends to net income (ytd only)* | 5.9399% | 4,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 6,504 |
| Loan loss allowance to noncurrent loans | 466.9759% | 872 |
| Noncurrent assets plus other real estate owned to assets | 1.7032% | 2,845 |
| Noncurrent loans to loans | 0.1693% | 6,057 |
| Net loans and leases to total assets | 67.5916% | 2,261 |
| Net loans and leases to deposits | 81.4482% | 2,080 |
| Net loans and leases to core deposits | 84.7560% | 2,459 |
| Total domestic deposits to total assets | 82.9872% | 4,731 |
| Equity capital to assets | 9.7781% | 4,487 |
| Core capital (leverage) ratio | 10.3720% | 2,926 |
| Tier 1 risk-based capital ratio | 12.5791% | 5,419 |
| Total risk-based capital ratio | 13.2449% | 5,745 |
| Memoranda: | ||
| Average total assets | $461,066,200 | 1,429 |
| Average earning assets | $438,011,800 | 1,376 |
| Average equity | $43,805,400 | 1,592 |
| Average total loans | $301,857,400 | 1,391 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 4,208 |
| Cost of funding earning assets | 1.2080% | 671 |
| Net interest margin | 3.1519% | 5,818 |
| Noninterest income to average assets | 0.3151% | 5,258 |
| Noninterest expense to average assets | 2.0279% | 6,310 |
| Loan and lease loss provision to assets | 0.0615% | 4,945 |
| Net operating income to assets | 0.8736% | 3,115 |
| Return on assets (ROA) | 0.9038% | 3,196 |
| Pretax return on assets | 1.2613% | 2,747 |
| Return on Equity (ROE) | 9.5844% | 2,551 |
| Retained earnings to average equity (ytd only) | 9.0059% | 1,228 |
| Net charge-offs to loans | -0.0018% | 6,200 |
| Credit loss provision to net charge-offs | -5,300.0000% | 6,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8699% | 5,340 |
| Assets per employee ($millions) | 6.8279% | 801 |
| Cash dividends to net income (ytd only)* | 6.0353% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 6,651 |
| Loan loss allowance to noncurrent loans | 733.8415% | 560 |
| Noncurrent assets plus other real estate owned to assets | 1.6332% | 3,140 |
| Noncurrent loans to loans | 0.1056% | 6,353 |
| Net loans and leases to total assets | 66.3929% | 2,575 |
| Net loans and leases to deposits | 79.9917% | 2,391 |
| Net loans and leases to core deposits | 83.1174% | 2,806 |
| Total domestic deposits to total assets | 82.9997% | 4,638 |
| Equity capital to assets | 9.6994% | 4,919 |
| Core capital (leverage) ratio | 10.2078% | 3,273 |
| Tier 1 risk-based capital ratio | 12.4001% | 5,702 |
| Total risk-based capital ratio | 13.0423% | 6,039 |
| Memoranda: | ||
| Average total assets | $459,505,750 | 1,449 |
| Average earning assets | $436,418,500 | 1,401 |
| Average equity | $43,333,250 | 1,622 |
| Average total loans | $297,727,250 | 1,424 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 4,348 |
| Cost of funding earning assets | 1.2562% | 629 |
| Net interest margin | 3.1031% | 6,000 |
| Noninterest income to average assets | 0.3197% | 5,266 |
| Noninterest expense to average assets | 2.0467% | 6,342 |
| Loan and lease loss provision to assets | 0.1166% | 4,064 |
| Net operating income to assets | 0.8025% | 3,391 |
| Return on assets (ROA) | 0.8548% | 3,384 |
| Pretax return on assets | 1.1736% | 3,040 |
| Return on Equity (ROE) | 9.1521% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.5722% | 1,422 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2525% | 5,207 |
| Assets per employee ($millions) | 6.8009% | 815 |
| Cash dividends to net income (ytd only)* | 6.3362% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 6,660 |
| Loan loss allowance to noncurrent loans | 566.3594% | 648 |
| Noncurrent assets plus other real estate owned to assets | 1.6760% | 3,204 |
| Noncurrent loans to loans | 0.1420% | 6,305 |
| Net loans and leases to total assets | 66.5415% | 2,561 |
| Net loans and leases to deposits | 82.7343% | 2,017 |
| Net loans and leases to core deposits | 86.5152% | 2,360 |
| Total domestic deposits to total assets | 80.4280% | 5,636 |
| Equity capital to assets | 9.5753% | 4,940 |
| Core capital (leverage) ratio | 10.0706% | 3,325 |
| Tier 1 risk-based capital ratio | 12.1236% | 5,853 |
| Total risk-based capital ratio | 12.7788% | 6,177 |
| Memoranda: | ||
| Average total assets | $457,908,330 | 1,452 |
| Average earning assets | $434,655,330 | 1,406 |
| Average equity | $42,766,330 | 1,631 |
| Average total loans | $293,413,670 | 1,447 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 4,505 |
| Cost of funding earning assets | 1.3411% | 534 |
| Net interest margin | 3.0127% | 6,268 |
| Noninterest income to average assets | 0.3137% | 5,370 |
| Noninterest expense to average assets | 2.1367% | 6,185 |
| Loan and lease loss provision to assets | 0.0828% | 4,350 |
| Net operating income to assets | 0.7248% | 3,763 |
| Return on assets (ROA) | 0.8095% | 3,571 |
| Pretax return on assets | 1.0657% | 3,453 |
| Return on Equity (ROE) | 8.7778% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.9936% | 1,982 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8863% | 4,381 |
| Assets per employee ($millions) | 6.9576% | 771 |
| Cash dividends to net income (ytd only)* | 8.9343% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 6,765 |
| Loan loss allowance to noncurrent loans | 777.5510% | 482 |
| Noncurrent assets plus other real estate owned to assets | 1.7126% | 3,291 |
| Noncurrent loans to loans | 0.1011% | 6,505 |
| Net loans and leases to total assets | 63.7656% | 2,898 |
| Net loans and leases to deposits | 78.6695% | 2,386 |
| Net loans and leases to core deposits | 82.3492% | 2,776 |
| Total domestic deposits to total assets | 81.0550% | 5,590 |
| Equity capital to assets | 9.5264% | 4,761 |
| Core capital (leverage) ratio | 9.7485% | 3,710 |
| Tier 1 risk-based capital ratio | 12.1397% | 5,868 |
| Total risk-based capital ratio | 12.7637% | 6,253 |
| Memoranda: | ||
| Average total assets | $459,032,500 | 1,452 |
| Average earning assets | $435,750,000 | 1,406 |
| Average equity | $42,334,000 | 1,641 |
| Average total loans | $287,290,000 | 1,477 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 4,896 |
| Cost of funding earning assets | 1.6132% | 450 |
| Net interest margin | 2.9319% | 6,638 |
| Noninterest income to average assets | 0.2930% | 5,436 |
| Noninterest expense to average assets | 2.0415% | 6,604 |
| Loan and lease loss provision to assets | 0.0822% | 5,583 |
| Net operating income to assets | 0.6779% | 3,589 |
| Return on assets (ROA) | 0.6799% | 3,773 |
| Pretax return on assets | 0.9400% | 3,467 |
| Return on Equity (ROE) | 7.6649% | 3,069 |
| Retained earnings to average equity (ytd only) | 7.4538% | 1,286 |
| Net charge-offs to loans | 0.0239% | 6,104 |
| Credit loss provision to net charge-offs | 580.6452% | 395 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 415 |
| Efficiency ratio | 66.2165% | 4,728 |
| Assets per employee ($millions) | 7.5132% | 572 |
| Cash dividends to net income (ytd only)* | 2.7545% | 4,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 6,800 |
| Loan loss allowance to noncurrent loans | 1,023.8318% | 389 |
| Noncurrent assets plus other real estate owned to assets | 1.5783% | 3,575 |
| Noncurrent loans to loans | 0.0754% | 6,627 |
| Net loans and leases to total assets | 60.4796% | 3,898 |
| Net loans and leases to deposits | 72.7355% | 3,702 |
| Net loans and leases to core deposits | 76.3011% | 3,943 |
| Total domestic deposits to total assets | 83.1501% | 4,688 |
| Equity capital to assets | 8.9273% | 5,641 |
| Core capital (leverage) ratio | 9.7661% | 3,651 |
| Tier 1 risk-based capital ratio | 11.9740% | 5,854 |
| Total risk-based capital ratio | 12.5813% | 6,258 |
| Memoranda: | ||
| Average total assets | $437,867,800 | 1,492 |
| Average earning assets | $413,390,600 | 1,446 |
| Average equity | $38,839,200 | 1,735 |
| Average total loans | $259,566,600 | 1,624 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 4,888 |
| Cost of funding earning assets | 1.6386% | 502 |
| Net interest margin | 2.9555% | 6,659 |
| Noninterest income to average assets | 0.2828% | 5,581 |
| Noninterest expense to average assets | 2.0943% | 6,507 |
| Loan and lease loss provision to assets | 0.0662% | 5,630 |
| Net operating income to assets | 0.6644% | 3,800 |
| Return on assets (ROA) | 0.6671% | 3,960 |
| Pretax return on assets | 0.9128% | 3,713 |
| Return on Equity (ROE) | 7.5344% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.2479% | 1,838 |
| Net charge-offs to loans | 0.0326% | 5,691 |
| Credit loss provision to net charge-offs | 345.1613% | 821 |
| Earnings coverage of net charge-offs (x) | 50.8415% | 637 |
| Efficiency ratio | 67.7419% | 4,366 |
| Assets per employee ($millions) | 6.9720% | 746 |
| Cash dividends to net income (ytd only)* | 3.8033% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7603% | 6,877 |
| Loan loss allowance to noncurrent loans | 942.3963% | 387 |
| Noncurrent assets plus other real estate owned to assets | 1.7138% | 3,525 |
| Noncurrent loans to loans | 0.0807% | 6,732 |
| Net loans and leases to total assets | 61.7545% | 3,789 |
| Net loans and leases to deposits | 78.5762% | 2,874 |
| Net loans and leases to core deposits | 83.2659% | 3,151 |
| Total domestic deposits to total assets | 78.5918% | 6,074 |
| Equity capital to assets | 9.5636% | 4,986 |
| Core capital (leverage) ratio | 9.8894% | 3,587 |
| Tier 1 risk-based capital ratio | 12.1362% | 5,790 |
| Total risk-based capital ratio | 12.7228% | 6,249 |
| Memoranda: | ||
| Average total assets | $430,880,250 | 1,525 |
| Average earning assets | $406,277,750 | 1,485 |
| Average equity | $38,152,750 | 1,768 |
| Average total loans | $253,479,250 | 1,665 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 5,084 |
| Cost of funding earning assets | 1.6716% | 527 |
| Net interest margin | 2.9026% | 6,785 |
| Noninterest income to average assets | 0.2588% | 5,798 |
| Noninterest expense to average assets | 2.1361% | 6,528 |
| Loan and lease loss provision to assets | 0.0339% | 5,888 |
| Net operating income to assets | 0.6196% | 3,959 |
| Return on assets (ROA) | 0.6161% | 4,111 |
| Pretax return on assets | 0.8211% | 3,942 |
| Return on Equity (ROE) | 7.1501% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.0584% | 1,856 |
| Net charge-offs to loans | 0.0008% | 5,874 |
| Credit loss provision to net charge-offs | 7,300.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,850.0000% | 4 |
| Efficiency ratio | 70.8081% | 3,962 |
| Assets per employee ($millions) | 6.9902% | 726 |
| Cash dividends to net income (ytd only)* | 1.2821% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 6,906 |
| Loan loss allowance to noncurrent loans | 274.4413% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 1.8491% | 3,438 |
| Noncurrent loans to loans | 0.2848% | 6,349 |
| Net loans and leases to total assets | 57.5623% | 4,713 |
| Net loans and leases to deposits | 71.6328% | 4,176 |
| Net loans and leases to core deposits | 76.3960% | 4,259 |
| Total domestic deposits to total assets | 80.3574% | 5,725 |
| Equity capital to assets | 9.2188% | 5,251 |
| Core capital (leverage) ratio | 9.5929% | 3,812 |
| Tier 1 risk-based capital ratio | 12.1796% | 5,630 |
| Total risk-based capital ratio | 12.7610% | 6,145 |
| Memoranda: | ||
| Average total assets | $430,418,670 | 1,534 |
| Average earning assets | $405,843,330 | 1,499 |
| Average equity | $37,090,330 | 1,803 |
| Average total loans | $248,309,670 | 1,718 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 5,143 |
| Cost of funding earning assets | 1.6966% | 556 |
| Net interest margin | 2.8607% | 6,817 |
| Noninterest income to average assets | 0.1902% | 6,362 |
| Noninterest expense to average assets | 2.3622% | 6,014 |
| Loan and lease loss provision to assets | 0.0345% | 5,545 |
| Net operating income to assets | 0.4290% | 4,810 |
| Return on assets (ROA) | 0.4290% | 4,899 |
| Pretax return on assets | 0.4840% | 5,073 |
| Return on Equity (ROE) | 5.1601% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.1601% | 3,085 |
| Net charge-offs to loans | 0.0065% | 5,034 |
| Credit loss provision to net charge-offs | 925.0000% | 408 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 226 |
| Efficiency ratio | 81.4827% | 2,306 |
| Assets per employee ($millions) | 6.8819% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 6,958 |
| Loan loss allowance to noncurrent loans | 380.6324% | 822 |
| Noncurrent assets plus other real estate owned to assets | 2.0380% | 3,273 |
| Noncurrent loans to loans | 0.2046% | 6,564 |
| Net loans and leases to total assets | 56.6096% | 4,889 |
| Net loans and leases to deposits | 71.2798% | 4,163 |
| Net loans and leases to core deposits | 76.2625% | 4,270 |
| Total domestic deposits to total assets | 79.4189% | 6,079 |
| Equity capital to assets | 8.3565% | 6,097 |
| Core capital (leverage) ratio | 9.1214% | 4,414 |
| Tier 1 risk-based capital ratio | 11.4229% | 6,158 |
| Total risk-based capital ratio | 11.9932% | 6,654 |
| Memoranda: | ||
| Average total assets | $428,930,500 | 1,551 |
| Average earning assets | $403,397,000 | 1,513 |
| Average equity | $35,658,500 | 1,859 |
| Average total loans | $246,746,000 | 1,744 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 6,277 |
| Cost of funding earning assets | 2.0291% | 543 |
| Net interest margin | 2.5141% | 7,262 |
| Noninterest income to average assets | 0.3451% | 5,331 |
| Noninterest expense to average assets | 1.8878% | 7,174 |
| Loan and lease loss provision to assets | 0.0379% | 6,783 |
| Net operating income to assets | 0.5721% | 3,793 |
| Return on assets (ROA) | 0.5717% | 3,955 |
| Pretax return on assets | 0.7645% | 3,743 |
| Return on Equity (ROE) | 7.7644% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.6055% | 1,115 |
| Net charge-offs to loans | 0.0179% | 6,640 |
| Credit loss provision to net charge-offs | 383.7209% | 649 |
| Earnings coverage of net charge-offs (x) | 81.3721% | 298 |
| Efficiency ratio | 69.6171% | 4,260 |
| Assets per employee ($millions) | 6.7350% | 846 |
| Cash dividends to net income (ytd only)* | 2.0465% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 7,029 |
| Loan loss allowance to noncurrent loans | 371.9057% | 835 |
| Noncurrent assets plus other real estate owned to assets | 1.7370% | 3,698 |
| Noncurrent loans to loans | 0.2068% | 6,652 |
| Net loans and leases to total assets | 57.5620% | 5,096 |
| Net loans and leases to deposits | 71.9053% | 4,537 |
| Net loans and leases to core deposits | 76.6932% | 4,620 |
| Total domestic deposits to total assets | 80.0525% | 5,822 |
| Equity capital to assets | 8.2693% | 6,180 |
| Core capital (leverage) ratio | 9.0655% | 4,422 |
| Tier 1 risk-based capital ratio | 11.4533% | 5,948 |
| Total risk-based capital ratio | 12.0322% | 6,472 |
| Memoranda: | ||
| Average total assets | $435,861,200 | 1,532 |
| Average earning assets | $406,633,400 | 1,494 |
| Average equity | $32,095,400 | 2,045 |
| Average total loans | $240,442,800 | 1,816 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 6,629 |
| Cost of funding earning assets | 2.0812% | 576 |
| Net interest margin | 2.4089% | 7,432 |
| Noninterest income to average assets | 0.3580% | 5,306 |
| Noninterest expense to average assets | 1.8534% | 7,263 |
| Loan and lease loss provision to assets | 0.0456% | 6,636 |
| Net operating income to assets | 0.5371% | 4,151 |
| Return on assets (ROA) | 0.5354% | 4,328 |
| Pretax return on assets | 0.7023% | 4,221 |
| Return on Equity (ROE) | 7.4943% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.2774% | 1,711 |
| Net charge-offs to loans | 0.0162% | 6,452 |
| Credit loss provision to net charge-offs | 517.2414% | 565 |
| Earnings coverage of net charge-offs (x) | 85.0939% | 364 |
| Efficiency ratio | 70.6315% | 3,951 |
| Assets per employee ($millions) | 6.7766% | 844 |
| Cash dividends to net income (ytd only)* | 2.8945% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 7,073 |
| Loan loss allowance to noncurrent loans | 297.0173% | 987 |
| Noncurrent assets plus other real estate owned to assets | 1.5153% | 4,179 |
| Noncurrent loans to loans | 0.2571% | 6,669 |
| Net loans and leases to total assets | 57.5921% | 5,321 |
| Net loans and leases to deposits | 73.4889% | 4,593 |
| Net loans and leases to core deposits | 79.4875% | 4,590 |
| Total domestic deposits to total assets | 78.3685% | 6,177 |
| Equity capital to assets | 8.0544% | 6,754 |
| Core capital (leverage) ratio | 8.6759% | 5,227 |
| Tier 1 risk-based capital ratio | 11.1942% | 6,196 |
| Total risk-based capital ratio | 11.7724% | 6,749 |
| Memoranda: | ||
| Average total assets | $438,750,500 | 1,544 |
| Average earning assets | $408,979,750 | 1,512 |
| Average equity | $31,347,500 | 2,107 |
| Average total loans | $239,020,750 | 1,852 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 6,934 |
| Cost of funding earning assets | 2.1477% | 556 |
| Net interest margin | 2.2355% | 7,562 |
| Noninterest income to average assets | 0.3610% | 5,264 |
| Noninterest expense to average assets | 1.8740% | 7,300 |
| Loan and lease loss provision to assets | 0.0565% | 6,392 |
| Net operating income to assets | 0.4300% | 4,623 |
| Return on assets (ROA) | 0.3894% | 4,963 |
| Pretax return on assets | 0.4635% | 5,022 |
| Return on Equity (ROE) | 5.6833% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.4855% | 2,621 |
| Net charge-offs to loans | 0.0246% | 5,997 |
| Credit loss provision to net charge-offs | 431.0345% | 840 |
| Earnings coverage of net charge-offs (x) | 43.3793% | 679 |
| Efficiency ratio | 76.1376% | 3,052 |
| Assets per employee ($millions) | 6.9447% | 791 |
| Cash dividends to net income (ytd only)* | 3.4803% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 7,062 |
| Loan loss allowance to noncurrent loans | 215.3403% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 1.1364% | 4,859 |
| Noncurrent loans to loans | 0.3647% | 6,504 |
| Net loans and leases to total assets | 53.9090% | 5,997 |
| Net loans and leases to deposits | 68.4267% | 5,503 |
| Net loans and leases to core deposits | 72.8843% | 5,570 |
| Total domestic deposits to total assets | 78.7836% | 6,089 |
| Equity capital to assets | 7.2448% | 7,253 |
| Core capital (leverage) ratio | 8.2990% | 5,774 |
| Tier 1 risk-based capital ratio | 11.1041% | 6,136 |
| Total risk-based capital ratio | 12.4514% | 6,022 |
| Memoranda: | ||
| Average total assets | $442,693,000 | 1,543 |
| Average earning assets | $412,164,670 | 1,502 |
| Average equity | $30,334,670 | 2,172 |
| Average total loans | $236,105,670 | 1,898 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 6,801 |
| Cost of funding earning assets | 2.2553% | 491 |
| Net interest margin | 2.2389% | 7,629 |
| Noninterest income to average assets | 0.3728% | 5,159 |
| Noninterest expense to average assets | 2.0949% | 6,955 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3392% | 5,129 |
| Return on assets (ROA) | 0.3342% | 5,272 |
| Pretax return on assets | 0.3575% | 5,426 |
| Return on Equity (ROE) | 5.0180% | 4,348 |
| Retained earnings to average equity (ytd only) | 4.8561% | 3,235 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6491% | 1,956 |
| Assets per employee ($millions) | 7.1017% | 779 |
| Cash dividends to net income (ytd only)* | 3.2258% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 7,231 |
| Loan loss allowance to noncurrent loans | 426.7470% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.9391% | 5,266 |
| Noncurrent loans to loans | 0.1770% | 6,983 |
| Net loans and leases to total assets | 52.8563% | 6,168 |
| Net loans and leases to deposits | 67.5042% | 5,649 |
| Net loans and leases to core deposits | 71.9381% | 5,719 |
| Total domestic deposits to total assets | 78.3007% | 6,243 |
| Equity capital to assets | 6.7621% | 7,462 |
| Core capital (leverage) ratio | 7.9772% | 6,268 |
| Tier 1 risk-based capital ratio | 10.9912% | 6,165 |
| Total risk-based capital ratio | 12.3074% | 6,074 |
| Memoranda: | ||
| Average total assets | $445,282,000 | 1,570 |
| Average earning assets | $414,673,000 | 1,534 |
| Average equity | $29,653,500 | 2,237 |
| Average total loans | $235,295,000 | 1,958 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2729% | 5,310 |
| Cost of funding earning assets | 2.6323% | 704 |
| Net interest margin | 2.6406% | 7,291 |
| Noninterest income to average assets | 0.4504% | 4,807 |
| Noninterest expense to average assets | 1.6256% | 7,754 |
| Loan and lease loss provision to assets | -0.0446% | 7,972 |
| Net operating income to assets | 0.8652% | 2,296 |
| Return on assets (ROA) | -0.1011% | 5,684 |
| Pretax return on assets | -0.2171% | 5,725 |
| Return on Equity (ROE) | -1.6377% | 5,801 |
| Retained earnings to average equity (ytd only) | -1.6377% | 5,424 |
| Net charge-offs to loans | 0.0016% | 7,234 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,497 |
| Earnings coverage of net charge-offs (x) | 1,398.0000% | 14 |
| Efficiency ratio | 55.9025% | 7,029 |
| Assets per employee ($millions) | 7.0353% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 7,265 |
| Loan loss allowance to noncurrent loans | 414.7541% | 807 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 4,831 |
| Noncurrent loans to loans | 0.1809% | 6,970 |
| Net loans and leases to total assets | 52.0409% | 6,415 |
| Net loans and leases to deposits | 68.1108% | 5,809 |
| Net loans and leases to core deposits | 79.4916% | 6,145 |
| Total domestic deposits to total assets | 76.4062% | 6,604 |
| Equity capital to assets | 6.5591% | 7,549 |
| Core capital (leverage) ratio | 7.8941% | 6,330 |
| Tier 1 risk-based capital ratio | 10.5530% | 6,340 |
| Total risk-based capital ratio | 11.8445% | 6,283 |
| Memoranda: | ||
| Average total assets | $448,077,600 | 1,545 |
| Average earning assets | $411,193,400 | 1,543 |
| Average equity | $27,660,000 | 2,405 |
| Average total loans | $255,247,200 | 1,861 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4894% | 4,472 |
| Cost of funding earning assets | 2.7168% | 759 |
| Net interest margin | 2.7726% | 7,096 |
| Noninterest income to average assets | 0.4910% | 4,566 |
| Noninterest expense to average assets | 1.8012% | 7,660 |
| Loan and lease loss provision to assets | -0.0596% | 8,059 |
| Net operating income to assets | 0.8524% | 2,601 |
| Return on assets (ROA) | -0.0903% | 5,911 |
| Pretax return on assets | -0.1883% | 5,961 |
| Return on Equity (ROE) | -1.4857% | 6,019 |
| Retained earnings to average equity (ytd only) | -1.4857% | 5,608 |
| Net charge-offs to loans | 0.0020% | 6,965 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,411 |
| Earnings coverage of net charge-offs (x) | 1,028.6173% | 23 |
| Efficiency ratio | 58.8305% | 6,586 |
| Assets per employee ($millions) | 6.4155% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 7,284 |
| Loan loss allowance to noncurrent loans | 1,023.6994% | 352 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 5,038 |
| Noncurrent loans to loans | 0.0724% | 7,315 |
| Net loans and leases to total assets | 54.3816% | 6,339 |
| Net loans and leases to deposits | 71.8152% | 5,679 |
| Net loans and leases to core deposits | 84.2776% | 6,022 |
| Total domestic deposits to total assets | 75.7243% | 6,636 |
| Equity capital to assets | 6.5620% | 7,749 |
| Core capital (leverage) ratio | 7.7259% | 6,695 |
| Tier 1 risk-based capital ratio | 9.9838% | 7,000 |
| Total risk-based capital ratio | 11.2302% | 6,957 |
| Memoranda: | ||
| Average total assets | $447,532,250 | 1,560 |
| Average earning assets | $409,239,250 | 1,563 |
| Average equity | $27,191,750 | 2,458 |
| Average total loans | $260,036,500 | 1,856 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6588% | 3,775 |
| Cost of funding earning assets | 2.8064% | 777 |
| Net interest margin | 2.8523% | 6,907 |
| Noninterest income to average assets | 0.5681% | 3,910 |
| Noninterest expense to average assets | 1.7980% | 7,746 |
| Loan and lease loss provision to assets | -0.0111% | 8,144 |
| Net operating income to assets | 0.8896% | 2,494 |
| Return on assets (ROA) | 1.1780% | 1,621 |
| Pretax return on assets | 1.8152% | 824 |
| Return on Equity (ROE) | 19.9002% | 345 |
| Retained earnings to average equity (ytd only) | 19.9002% | 76 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2789% | 7,088 |
| Assets per employee ($millions) | 6.7122% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 7,205 |
| Loan loss allowance to noncurrent loans | 1,147.0588% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 7,514 |
| Noncurrent loans to loans | 0.0683% | 7,354 |
| Net loans and leases to total assets | 54.8982% | 6,348 |
| Net loans and leases to deposits | 71.8660% | 5,752 |
| Net loans and leases to core deposits | 85.0856% | 6,004 |
| Total domestic deposits to total assets | 76.3896% | 6,468 |
| Equity capital to assets | 6.3409% | 7,853 |
| Core capital (leverage) ratio | 8.3312% | 5,738 |
| Tier 1 risk-based capital ratio | 9.1776% | 7,603 |
| Total risk-based capital ratio | 10.2743% | 7,699 |
| Memoranda: | ||
| Average total assets | $451,291,000 | 1,567 |
| Average earning assets | $409,842,670 | 1,588 |
| Average equity | $26,713,330 | 2,502 |
| Average total loans | $267,044,000 | 1,846 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7118% | 3,744 |
| Cost of funding earning assets | 2.8521% | 864 |
| Net interest margin | 2.8597% | 6,852 |
| Noninterest income to average assets | 0.4619% | 4,664 |
| Noninterest expense to average assets | 1.7094% | 7,814 |
| Loan and lease loss provision to assets | -0.0221% | 8,183 |
| Net operating income to assets | 0.9087% | 2,665 |
| Return on assets (ROA) | 0.9007% | 2,855 |
| Pretax return on assets | 1.4121% | 1,932 |
| Return on Equity (ROE) | 15.7756% | 856 |
| Retained earnings to average equity (ytd only) | 15.7756% | 358 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2792% | 7,194 |
| Assets per employee ($millions) | 6.7425% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7164% | 7,393 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 7,515 |
| Noncurrent loans to loans | 0.0551% | 7,379 |
| Net loans and leases to total assets | 59.8219% | 5,689 |
| Net loans and leases to deposits | 79.1885% | 4,741 |
| Net loans and leases to core deposits | 94.7862% | 5,081 |
| Total domestic deposits to total assets | 75.5437% | 6,593 |
| Equity capital to assets | 6.1063% | 7,979 |
| Core capital (leverage) ratio | 7.9213% | 6,583 |
| Tier 1 risk-based capital ratio | 8.9961% | 7,793 |
| Total risk-based capital ratio | 9.4899% | 8,017 |
| Memoranda: | ||
| Average total assets | $452,077,500 | 1,567 |
| Average earning assets | $418,919,500 | 1,554 |
| Average equity | $25,812,000 | 2,582 |
| Average total loans | $276,147,500 | 1,794 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8941% | 6,063 |
| Cost of funding earning assets | 3.4529% | 596 |
| Net interest margin | 2.4411% | 7,814 |
| Noninterest income to average assets | 0.3438% | 5,986 |
| Noninterest expense to average assets | 1.6886% | 7,880 |
| Loan and lease loss provision to assets | 0.0389% | 6,928 |
| Net operating income to assets | 0.6843% | 3,962 |
| Return on assets (ROA) | 0.0293% | 6,137 |
| Pretax return on assets | -0.1270% | 6,297 |
| Return on Equity (ROE) | 0.4632% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.4632% | 4,964 |
| Net charge-offs to loans | 0.0011% | 7,024 |
| Credit loss provision to net charge-offs | 5,833.3333% | 92 |
| Earnings coverage of net charge-offs (x) | 1,403.6667% | 29 |
| Efficiency ratio | 63.5771% | 5,654 |
| Assets per employee ($millions) | 6.6530% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7051% | 7,409 |
| Loan loss allowance to noncurrent loans | 3,872.5490% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,579 |
| Noncurrent loans to loans | 0.0182% | 7,453 |
| Net loans and leases to total assets | 61.4769% | 5,702 |
| Net loans and leases to deposits | 84.2418% | 4,387 |
| Net loans and leases to core deposits | 99.5433% | 4,867 |
| Total domestic deposits to total assets | 72.9767% | 6,832 |
| Equity capital to assets | 5.3136% | 8,152 |
| Core capital (leverage) ratio | 7.6378% | 7,023 |
| Tier 1 risk-based capital ratio | 11.7171% | 5,046 |
| Total risk-based capital ratio | 12.3923% | 5,485 |
| Memoranda: | ||
| Average total assets | $450,249,600 | 1,522 |
| Average earning assets | $420,539,600 | 1,480 |
| Average equity | $28,500,200 | 2,371 |
| Average total loans | $265,244,000 | 1,800 |