Home > Cattle Bank and Trust > Performance and Condition Ratios
Cattle Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 2,303 |
| Cost of funding earning assets | 1.6226% | 1,630 |
| Net interest margin | 3.2658% | 2,719 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.0691% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3547% | 1,315 |
| Return on assets (ROA) | 1.3701% | 1,247 |
| Pretax return on assets | 1.4022% | 1,628 |
| Return on Equity (ROE) | 14.1500% | 1,454 |
| Retained earnings to average equity (ytd only) | 1.1577% | 3,800 |
| Net charge-offs to loans | -0.0208% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.8781% | 3,092 |
| Assets per employee ($millions) | 8.8945% | 1,024 |
| Cash dividends to net income (ytd only)* | 91.8171% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,037 |
| Loan loss allowance to noncurrent loans | 1,204.8780% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,067 |
| Noncurrent loans to loans | 0.1035% | 3,019 |
| Net loans and leases to total assets | 69.9900% | 1,808 |
| Net loans and leases to deposits | 83.8658% | 1,789 |
| Net loans and leases to core deposits | 92.3745% | 1,879 |
| Total domestic deposits to total assets | 83.4500% | 2,763 |
| Equity capital to assets | 10.0307% | 1,987 |
| Core capital (leverage) ratio | 11.5921% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $379,965,200 | 2,081 |
| Average earning assets | $354,181,000 | 2,074 |
| Average equity | $36,796,800 | 1,990 |
| Average total loans | $269,051,800 | 1,917 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 2,300 |
| Cost of funding earning assets | 1.5171% | 1,559 |
| Net interest margin | 3.2682% | 2,755 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.0015% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4350% | 1,242 |
| Return on assets (ROA) | 1.4460% | 1,209 |
| Pretax return on assets | 1.4863% | 1,586 |
| Return on Equity (ROE) | 15.0700% | 1,432 |
| Retained earnings to average equity (ytd only) | 0.0368% | 4,104 |
| Net charge-offs to loans | -0.0220% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.5714% | 3,260 |
| Assets per employee ($millions) | 8.4425% | 1,141 |
| Cash dividends to net income (ytd only)* | 99.7555% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,013 |
| Loan loss allowance to noncurrent loans | 1,200.6969% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,095 |
| Noncurrent loans to loans | 0.1058% | 3,044 |
| Net loans and leases to total assets | 70.5300% | 1,766 |
| Net loans and leases to deposits | 82.6441% | 1,858 |
| Net loans and leases to core deposits | 90.7957% | 1,871 |
| Total domestic deposits to total assets | 85.3400% | 2,401 |
| Equity capital to assets | 9.2272% | 2,276 |
| Core capital (leverage) ratio | 11.6616% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $377,117,000 | 2,093 |
| Average earning assets | $352,069,000 | 2,086 |
| Average equity | $36,182,000 | 2,000 |
| Average total loans | $266,976,750 | 1,926 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 2,360 |
| Cost of funding earning assets | 1.3945% | 1,461 |
| Net interest margin | 3.2315% | 2,905 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.0070% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3816% | 1,380 |
| Return on assets (ROA) | 1.3945% | 1,325 |
| Pretax return on assets | 1.4349% | 1,737 |
| Return on Equity (ROE) | 14.3500% | 1,612 |
| Retained earnings to average equity (ytd only) | -4.1414% | 4,394 |
| Net charge-offs to loans | -0.0188% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.5362% | 3,127 |
| Assets per employee ($millions) | 8.2058% | 1,229 |
| Cash dividends to net income (ytd only)* | 128.8601% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,046 |
| Loan loss allowance to noncurrent loans | 463.1081% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 2,211 |
| Noncurrent loans to loans | 0.2749% | 2,169 |
| Net loans and leases to total assets | 70.4000% | 1,697 |
| Net loans and leases to deposits | 82.7164% | 1,783 |
| Net loans and leases to core deposits | 90.4286% | 1,771 |
| Total domestic deposits to total assets | 85.1100% | 2,514 |
| Equity capital to assets | 9.6491% | 2,062 |
| Core capital (leverage) ratio | 11.4875% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $376,185,667 | 2,098 |
| Average earning assets | $351,665,000 | 2,086 |
| Average equity | $36,557,667 | 1,998 |
| Average total loans | $265,504,333 | 1,928 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 2,292 |
| Cost of funding earning assets | 1.2076% | 1,432 |
| Net interest margin | 3.3029% | 2,868 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.0237% | 3,576 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.2765% | 1,733 |
| Return on assets (ROA) | 1.2920% | 1,669 |
| Pretax return on assets | 1.3325% | 2,082 |
| Return on Equity (ROE) | 13.2800% | 1,935 |
| Retained earnings to average equity (ytd only) | -16.0655% | 4,561 |
| Net charge-offs to loans | -0.0228% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.8211% | 3,211 |
| Assets per employee ($millions) | 7.8740% | 1,416 |
| Cash dividends to net income (ytd only)* | 220.9398% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,112 |
| Loan loss allowance to noncurrent loans | 461.7568% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 2,164 |
| Noncurrent loans to loans | 0.2781% | 2,148 |
| Net loans and leases to total assets | 69.4900% | 1,673 |
| Net loans and leases to deposits | 80.3660% | 1,790 |
| Net loans and leases to core deposits | 86.7692% | 1,818 |
| Total domestic deposits to total assets | 86.4600% | 2,457 |
| Equity capital to assets | 9.7068% | 1,991 |
| Core capital (leverage) ratio | 11.2918% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $375,546,000 | 2,125 |
| Average earning assets | $350,116,500 | 2,124 |
| Average equity | $36,525,500 | 2,020 |
| Average total loans | $263,678,500 | 1,959 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 1,912 |
| Cost of funding earning assets | 0.5281% | 1,223 |
| Net interest margin | 3.4016% | 2,253 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.9824% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5744% | 731 |
| Return on assets (ROA) | 1.5866% | 681 |
| Pretax return on assets | 1.6266% | 1,093 |
| Return on Equity (ROE) | 15.2500% | 1,197 |
| Retained earnings to average equity (ytd only) | 7.9574% | 1,855 |
| Net charge-offs to loans | -0.0230% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.1193% | 3,670 |
| Assets per employee ($millions) | 7.6151% | 1,534 |
| Cash dividends to net income (ytd only)* | 47.8095% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 1,881 |
| Loan loss allowance to noncurrent loans | 459.7297% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 2,184 |
| Noncurrent loans to loans | 0.2832% | 2,135 |
| Net loans and leases to total assets | 69.1200% | 1,719 |
| Net loans and leases to deposits | 82.7385% | 1,561 |
| Net loans and leases to core deposits | 88.5334% | 1,579 |
| Total domestic deposits to total assets | 83.5400% | 3,306 |
| Equity capital to assets | 9.7454% | 1,859 |
| Core capital (leverage) ratio | 12.0504% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $362,543,800 | 2,169 |
| Average earning assets | $338,374,600 | 2,162 |
| Average equity | $37,726,000 | 2,009 |
| Average total loans | $252,145,600 | 1,928 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 1,760 |
| Cost of funding earning assets | 0.4396% | 1,033 |
| Net interest margin | 3.3621% | 2,095 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.8872% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6571% | 584 |
| Return on assets (ROA) | 1.6549% | 573 |
| Pretax return on assets | 1.6934% | 914 |
| Return on Equity (ROE) | 15.6500% | 1,051 |
| Retained earnings to average equity (ytd only) | 8.7284% | 1,746 |
| Net charge-offs to loans | -0.0229% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.6729% | 3,956 |
| Assets per employee ($millions) | 7.8591% | 1,396 |
| Cash dividends to net income (ytd only)* | 44.2131% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 1,968 |
| Loan loss allowance to noncurrent loans | 457.7027% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 2,267 |
| Noncurrent loans to loans | 0.2872% | 2,214 |
| Net loans and leases to total assets | 68.8400% | 1,578 |
| Net loans and leases to deposits | 79.1317% | 1,623 |
| Net loans and leases to core deposits | 83.9124% | 1,658 |
| Total domestic deposits to total assets | 86.9900% | 2,764 |
| Equity capital to assets | 9.4811% | 1,896 |
| Core capital (leverage) ratio | 11.9629% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $359,895,000 | 2,196 |
| Average earning assets | $336,683,250 | 2,179 |
| Average equity | $38,066,500 | 2,021 |
| Average total loans | $249,855,250 | 1,940 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6645% | 1,637 |
| Cost of funding earning assets | 0.4035% | 894 |
| Net interest margin | 3.2610% | 2,029 |
| Noninterest income to average assets | 0.4429% | 2,492 |
| Noninterest expense to average assets | 1.9079% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5495% | 620 |
| Return on assets (ROA) | 1.5463% | 609 |
| Pretax return on assets | 1.5855% | 977 |
| Return on Equity (ROE) | 14.1140% | 1,085 |
| Retained earnings to average equity (ytd only) | 7.2054% | 1,915 |
| Net charge-offs to loans | -0.0194% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5615% | 3,914 |
| Assets per employee ($millions) | 7.5177% | 1,598 |
| Cash dividends to net income (ytd only)* | 48.9485% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 2,029 |
| Loan loss allowance to noncurrent loans | 455.1351% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 2,269 |
| Noncurrent loans to loans | 0.2932% | 2,297 |
| Net loans and leases to total assets | 70.4733% | 1,255 |
| Net loans and leases to deposits | 81.7638% | 1,262 |
| Net loans and leases to core deposits | 86.9334% | 1,270 |
| Total domestic deposits to total assets | 86.1913% | 3,200 |
| Equity capital to assets | 10.2555% | 1,561 |
| Core capital (leverage) ratio | 11.8431% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,734,000 | 2,217 |
| Average earning assets | $334,074,000 | 2,208 |
| Average equity | $39,081,667 | 2,041 |
| Average total loans | $247,253,333 | 1,954 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 1,674 |
| Cost of funding earning assets | 0.3977% | 885 |
| Net interest margin | 3.1421% | 2,053 |
| Noninterest income to average assets | 0.4174% | 2,575 |
| Noninterest expense to average assets | 1.9139% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4004% | 797 |
| Return on assets (ROA) | 1.3972% | 800 |
| Pretax return on assets | 1.4362% | 1,160 |
| Return on Equity (ROE) | 12.3641% | 1,206 |
| Retained earnings to average equity (ytd only) | 5.2044% | 2,510 |
| Net charge-offs to loans | -0.0245% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0715% | 3,775 |
| Assets per employee ($millions) | 7.9852% | 1,384 |
| Cash dividends to net income (ytd only)* | 57.9073% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,935 |
| Loan loss allowance to noncurrent loans | 452.6954% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 2,421 |
| Noncurrent loans to loans | 0.3075% | 2,357 |
| Net loans and leases to total assets | 64.7697% | 1,526 |
| Net loans and leases to deposits | 74.4111% | 1,566 |
| Net loans and leases to core deposits | 79.0538% | 1,549 |
| Total domestic deposits to total assets | 87.0431% | 2,909 |
| Equity capital to assets | 10.5781% | 1,559 |
| Core capital (leverage) ratio | 11.6974% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,434,000 | 2,214 |
| Average earning assets | $334,933,500 | 2,211 |
| Average equity | $40,504,500 | 2,032 |
| Average total loans | $244,693,000 | 1,962 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 1,437 |
| Cost of funding earning assets | 0.5031% | 918 |
| Net interest margin | 3.4649% | 1,840 |
| Noninterest income to average assets | 0.6371% | 2,001 |
| Noninterest expense to average assets | 2.0685% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7731% | 539 |
| Return on assets (ROA) | 1.7811% | 552 |
| Pretax return on assets | 1.8214% | 874 |
| Return on Equity (ROE) | 14.6616% | 1,030 |
| Retained earnings to average equity (ytd only) | 8.3722% | 1,396 |
| Net charge-offs to loans | -0.0879% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2894% | 4,001 |
| Assets per employee ($millions) | 7.4452% | 1,652 |
| Cash dividends to net income (ytd only)* | 42.8972% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 1,949 |
| Loan loss allowance to noncurrent loans | 459.7074% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 2,485 |
| Noncurrent loans to loans | 0.3025% | 2,508 |
| Net loans and leases to total assets | 70.0570% | 1,038 |
| Net loans and leases to deposits | 81.8895% | 1,075 |
| Net loans and leases to core deposits | 87.7383% | 1,090 |
| Total domestic deposits to total assets | 85.5506% | 3,069 |
| Equity capital to assets | 12.1535% | 1,190 |
| Core capital (leverage) ratio | 12.2050% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,290,200 | 2,243 |
| Average earning assets | $318,656,000 | 2,240 |
| Average equity | $41,339,200 | 2,036 |
| Average total loans | $237,836,400 | 1,999 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 1,596 |
| Cost of funding earning assets | 0.5273% | 921 |
| Net interest margin | 3.4482% | 2,014 |
| Noninterest income to average assets | 0.6093% | 2,179 |
| Noninterest expense to average assets | 1.9328% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8655% | 591 |
| Return on assets (ROA) | 1.8748% | 606 |
| Pretax return on assets | 1.9138% | 922 |
| Return on Equity (ROE) | 15.4342% | 1,056 |
| Retained earnings to average equity (ytd only) | 10.2364% | 1,251 |
| Net charge-offs to loans | -0.1225% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3702% | 4,192 |
| Assets per employee ($millions) | 7.4157% | 1,612 |
| Cash dividends to net income (ytd only)* | 33.6771% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 1,952 |
| Loan loss allowance to noncurrent loans | 2,112.1951% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,839 |
| Noncurrent loans to loans | 0.0671% | 3,760 |
| Net loans and leases to total assets | 69.0978% | 1,179 |
| Net loans and leases to deposits | 81.3572% | 1,162 |
| Net loans and leases to core deposits | 86.7801% | 1,233 |
| Total domestic deposits to total assets | 84.9313% | 3,138 |
| Equity capital to assets | 12.2598% | 1,280 |
| Core capital (leverage) ratio | 12.1584% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,881,500 | 2,275 |
| Average earning assets | $316,294,500 | 2,267 |
| Average equity | $41,042,000 | 2,076 |
| Average total loans | $235,144,500 | 2,061 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 2,075 |
| Cost of funding earning assets | 0.5501% | 939 |
| Net interest margin | 3.2480% | 2,612 |
| Noninterest income to average assets | 0.7448% | 1,683 |
| Noninterest expense to average assets | 1.9358% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8111% | 698 |
| Return on assets (ROA) | 1.8240% | 707 |
| Pretax return on assets | 1.8634% | 1,089 |
| Return on Equity (ROE) | 15.0645% | 1,139 |
| Retained earnings to average equity (ytd only) | 9.6296% | 1,515 |
| Net charge-offs to loans | -0.1861% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1297% | 4,133 |
| Assets per employee ($millions) | 7.2956% | 1,595 |
| Cash dividends to net income (ytd only)* | 36.0774% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 1,787 |
| Loan loss allowance to noncurrent loans | 1,990.8046% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,913 |
| Noncurrent loans to loans | 0.0726% | 3,822 |
| Net loans and leases to total assets | 68.8512% | 1,347 |
| Net loans and leases to deposits | 81.1652% | 1,310 |
| Net loans and leases to core deposits | 86.5767% | 1,376 |
| Total domestic deposits to total assets | 84.8285% | 3,170 |
| Equity capital to assets | 12.1006% | 1,317 |
| Core capital (leverage) ratio | 11.9871% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,329,333 | 2,283 |
| Average earning assets | $313,056,667 | 2,272 |
| Average equity | $40,479,333 | 2,085 |
| Average total loans | $232,094,000 | 2,084 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 2,018 |
| Cost of funding earning assets | 0.5929% | 899 |
| Net interest margin | 3.2353% | 2,586 |
| Noninterest income to average assets | 0.5357% | 2,452 |
| Noninterest expense to average assets | 1.9803% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5442% | 1,227 |
| Return on assets (ROA) | 1.5501% | 1,283 |
| Pretax return on assets | 1.5901% | 1,754 |
| Return on Equity (ROE) | 12.7986% | 1,727 |
| Retained earnings to average equity (ytd only) | 6.7946% | 2,639 |
| Net charge-offs to loans | -0.0508% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5593% | 3,595 |
| Assets per employee ($millions) | 7.1341% | 1,704 |
| Cash dividends to net income (ytd only)* | 46.9116% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,818 |
| Loan loss allowance to noncurrent loans | 1,162.0567% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 3,778 |
| Noncurrent loans to loans | 0.1237% | 3,693 |
| Net loans and leases to total assets | 67.0124% | 1,659 |
| Net loans and leases to deposits | 78.6757% | 1,648 |
| Net loans and leases to core deposits | 84.7547% | 1,612 |
| Total domestic deposits to total assets | 85.1755% | 3,034 |
| Equity capital to assets | 11.9805% | 1,293 |
| Core capital (leverage) ratio | 11.6808% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,047,500 | 2,289 |
| Average earning assets | $308,968,500 | 2,274 |
| Average equity | $39,973,000 | 2,093 |
| Average total loans | $228,366,000 | 2,104 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 2,443 |
| Cost of funding earning assets | 0.8142% | 1,151 |
| Net interest margin | 3.2785% | 3,128 |
| Noninterest income to average assets | 0.4341% | 2,937 |
| Noninterest expense to average assets | 2.2055% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2561% | 1,370 |
| Return on assets (ROA) | 1.2555% | 1,476 |
| Pretax return on assets | 1.2948% | 1,993 |
| Return on Equity (ROE) | 10.0410% | 1,991 |
| Retained earnings to average equity (ytd only) | 4.0642% | 2,787 |
| Net charge-offs to loans | -0.0754% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9977% | 2,976 |
| Assets per employee ($millions) | 6.9105% | 1,635 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,890 |
| Loan loss allowance to noncurrent loans | 1,112.3288% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 3,872 |
| Noncurrent loans to loans | 0.1276% | 3,770 |
| Net loans and leases to total assets | 69.4328% | 1,627 |
| Net loans and leases to deposits | 82.2047% | 1,645 |
| Net loans and leases to core deposits | 88.5799% | 1,638 |
| Total domestic deposits to total assets | 84.4633% | 2,956 |
| Equity capital to assets | 12.2463% | 1,453 |
| Core capital (leverage) ratio | 11.9978% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,776,600 | 2,258 |
| Average earning assets | $287,902,400 | 2,240 |
| Average equity | $38,482,400 | 2,078 |
| Average total loans | $220,028,800 | 2,103 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 2,574 |
| Cost of funding earning assets | 0.8604% | 1,211 |
| Net interest margin | 3.2739% | 3,266 |
| Noninterest income to average assets | 0.4485% | 2,856 |
| Noninterest expense to average assets | 2.2157% | 3,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2572% | 1,457 |
| Return on assets (ROA) | 1.2554% | 1,584 |
| Pretax return on assets | 1.2950% | 2,073 |
| Return on Equity (ROE) | 9.9860% | 2,023 |
| Retained earnings to average equity (ytd only) | 3.6967% | 3,195 |
| Net charge-offs to loans | -0.0936% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0815% | 2,903 |
| Assets per employee ($millions) | 7.0833% | 1,443 |
| Cash dividends to net income (ytd only)* | 62.9811% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,552 |
| Loan loss allowance to noncurrent loans | 369.7143% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 3,071 |
| Noncurrent loans to loans | 0.3911% | 2,892 |
| Net loans and leases to total assets | 69.1655% | 2,086 |
| Net loans and leases to deposits | 84.7649% | 1,831 |
| Net loans and leases to core deposits | 91.5347% | 1,838 |
| Total domestic deposits to total assets | 81.5969% | 3,519 |
| Equity capital to assets | 12.3140% | 1,508 |
| Core capital (leverage) ratio | 12.0167% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,522,500 | 2,260 |
| Average earning assets | $284,062,000 | 2,248 |
| Average equity | $38,159,250 | 2,083 |
| Average total loans | $217,845,750 | 2,116 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 2,624 |
| Cost of funding earning assets | 0.9198% | 1,279 |
| Net interest margin | 3.3232% | 3,327 |
| Noninterest income to average assets | 0.4289% | 2,917 |
| Noninterest expense to average assets | 2.1344% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3643% | 1,189 |
| Return on assets (ROA) | 1.3617% | 1,290 |
| Pretax return on assets | 1.4006% | 1,725 |
| Return on Equity (ROE) | 10.7527% | 1,718 |
| Retained earnings to average equity (ytd only) | 3.8735% | 2,971 |
| Net charge-offs to loans | -0.0658% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3334% | 3,372 |
| Assets per employee ($millions) | 6.7080% | 1,627 |
| Cash dividends to net income (ytd only)* | 63.9764% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 1,458 |
| Loan loss allowance to noncurrent loans | 216.7010% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 2,478 |
| Noncurrent loans to loans | 0.6631% | 2,204 |
| Net loans and leases to total assets | 68.5988% | 2,246 |
| Net loans and leases to deposits | 84.3886% | 1,957 |
| Net loans and leases to core deposits | 91.8459% | 1,919 |
| Total domestic deposits to total assets | 81.2892% | 3,543 |
| Equity capital to assets | 12.2955% | 1,483 |
| Core capital (leverage) ratio | 12.2748% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,446,667 | 2,265 |
| Average earning assets | $279,191,333 | 2,256 |
| Average equity | $37,795,333 | 2,091 |
| Average total loans | $215,894,333 | 2,119 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 2,503 |
| Cost of funding earning assets | 1.0016% | 1,416 |
| Net interest margin | 3.4302% | 3,211 |
| Noninterest income to average assets | 0.4124% | 3,014 |
| Noninterest expense to average assets | 2.2149% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3597% | 1,082 |
| Return on assets (ROA) | 1.3543% | 1,177 |
| Pretax return on assets | 1.3943% | 1,579 |
| Return on Equity (ROE) | 10.5279% | 1,559 |
| Retained earnings to average equity (ytd only) | 1.9512% | 3,461 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2743% | 3,578 |
| Assets per employee ($millions) | 6.1896% | 1,527 |
| Cash dividends to net income (ytd only)* | 81.4664% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,461 |
| Loan loss allowance to noncurrent loans | 168.5996% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 2,119 |
| Noncurrent loans to loans | 0.8700% | 1,871 |
| Net loans and leases to total assets | 71.1665% | 2,057 |
| Net loans and leases to deposits | 84.4443% | 2,174 |
| Net loans and leases to core deposits | 92.1420% | 2,139 |
| Total domestic deposits to total assets | 84.2763% | 2,680 |
| Equity capital to assets | 12.7554% | 1,585 |
| Core capital (leverage) ratio | 12.8408% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,031,000 | 2,265 |
| Average earning assets | $270,771,500 | 2,262 |
| Average equity | $37,310,500 | 2,104 |
| Average total loans | $214,126,500 | 2,088 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 2,509 |
| Cost of funding earning assets | 1.0296% | 1,600 |
| Net interest margin | 3.6051% | 3,122 |
| Noninterest income to average assets | 0.4440% | 3,035 |
| Noninterest expense to average assets | 2.3404% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4264% | 1,252 |
| Return on assets (ROA) | 1.4275% | 1,314 |
| Pretax return on assets | 1.4670% | 1,912 |
| Return on Equity (ROE) | 11.0745% | 1,850 |
| Retained earnings to average equity (ytd only) | 4.7210% | 2,573 |
| Net charge-offs to loans | -0.0661% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4874% | 3,456 |
| Assets per employee ($millions) | 6.0240% | 1,616 |
| Cash dividends to net income (ytd only)* | 57.3709% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,480 |
| Loan loss allowance to noncurrent loans | 187.5837% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 2,184 |
| Noncurrent loans to loans | 0.7532% | 2,005 |
| Net loans and leases to total assets | 74.3756% | 1,686 |
| Net loans and leases to deposits | 88.0695% | 1,834 |
| Net loans and leases to core deposits | 96.0119% | 1,900 |
| Total domestic deposits to total assets | 84.4510% | 2,705 |
| Equity capital to assets | 12.9739% | 1,541 |
| Core capital (leverage) ratio | 13.1384% | 1,181 |
| Tier 1 risk-based capital ratio | 16.2689% | 2,306 |
| Total risk-based capital ratio | 17.5202% | 2,251 |
| Memoranda: | ||
| Average total assets | $280,844,400 | 2,271 |
| Average earning assets | $261,936,600 | 2,262 |
| Average equity | $36,200,200 | 2,085 |
| Average total loans | $214,921,000 | 2,059 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 2,522 |
| Cost of funding earning assets | 1.0268% | 1,646 |
| Net interest margin | 3.6350% | 3,156 |
| Noninterest income to average assets | 0.4357% | 3,096 |
| Noninterest expense to average assets | 2.2982% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4894% | 1,215 |
| Return on assets (ROA) | 1.4918% | 1,264 |
| Pretax return on assets | 1.5315% | 1,866 |
| Return on Equity (ROE) | 11.5929% | 1,764 |
| Retained earnings to average equity (ytd only) | 4.7167% | 3,048 |
| Net charge-offs to loans | -0.0841% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0475% | 3,639 |
| Assets per employee ($millions) | 6.1229% | 1,515 |
| Cash dividends to net income (ytd only)* | 59.3140% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,549 |
| Loan loss allowance to noncurrent loans | 152.0020% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 1,673 |
| Noncurrent loans to loans | 0.9262% | 1,732 |
| Net loans and leases to total assets | 76.4588% | 1,407 |
| Net loans and leases to deposits | 92.4967% | 1,372 |
| Net loans and leases to core deposits | 102.1187% | 1,492 |
| Total domestic deposits to total assets | 82.6611% | 3,264 |
| Equity capital to assets | 13.1597% | 1,536 |
| Core capital (leverage) ratio | 13.1267% | 1,289 |
| Tier 1 risk-based capital ratio | 16.6541% | 2,205 |
| Total risk-based capital ratio | 17.9064% | 2,135 |
| Memoranda: | ||
| Average total assets | $278,768,000 | 2,296 |
| Average earning assets | $260,096,500 | 2,287 |
| Average equity | $35,871,750 | 2,109 |
| Average total loans | $214,116,500 | 2,081 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 2,552 |
| Cost of funding earning assets | 0.9927% | 1,731 |
| Net interest margin | 3.6449% | 3,116 |
| Noninterest income to average assets | 0.3715% | 3,455 |
| Noninterest expense to average assets | 2.3318% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3996% | 1,441 |
| Return on assets (ROA) | 1.4003% | 1,493 |
| Pretax return on assets | 1.4399% | 2,068 |
| Return on Equity (ROE) | 10.9658% | 1,990 |
| Retained earnings to average equity (ytd only) | 3.0727% | 3,684 |
| Net charge-offs to loans | -0.0414% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8366% | 3,458 |
| Assets per employee ($millions) | 5.8604% | 1,651 |
| Cash dividends to net income (ytd only)* | 71.9794% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 1,598 |
| Loan loss allowance to noncurrent loans | 186.3835% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 1,995 |
| Noncurrent loans to loans | 0.7529% | 2,100 |
| Net loans and leases to total assets | 76.1180% | 1,525 |
| Net loans and leases to deposits | 89.8778% | 1,754 |
| Net loans and leases to core deposits | 99.1633% | 1,795 |
| Total domestic deposits to total assets | 84.6906% | 2,602 |
| Equity capital to assets | 13.1670% | 1,507 |
| Core capital (leverage) ratio | 12.9331% | 1,330 |
| Tier 1 risk-based capital ratio | 16.6121% | 2,200 |
| Total risk-based capital ratio | 17.8638% | 2,149 |
| Memoranda: | ||
| Average total assets | $277,805,670 | 2,308 |
| Average earning assets | $259,103,330 | 2,302 |
| Average equity | $35,474,000 | 2,118 |
| Average total loans | $212,680,330 | 2,095 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 2,506 |
| Cost of funding earning assets | 0.9363% | 1,858 |
| Net interest margin | 3.6710% | 3,003 |
| Noninterest income to average assets | 0.4129% | 3,091 |
| Noninterest expense to average assets | 2.3470% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4324% | 1,287 |
| Return on assets (ROA) | 1.4352% | 1,308 |
| Pretax return on assets | 1.4753% | 1,849 |
| Return on Equity (ROE) | 11.4147% | 1,774 |
| Retained earnings to average equity (ytd only) | 0.5816% | 4,414 |
| Net charge-offs to loans | -0.0056% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4489% | 3,617 |
| Assets per employee ($millions) | 5.8979% | 1,627 |
| Cash dividends to net income (ytd only)* | 94.9051% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,708 |
| Loan loss allowance to noncurrent loans | 181.3309% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 1,930 |
| Noncurrent loans to loans | 0.7673% | 2,111 |
| Net loans and leases to total assets | 75.2409% | 1,605 |
| Net loans and leases to deposits | 88.7096% | 1,778 |
| Net loans and leases to core deposits | 97.6314% | 1,805 |
| Total domestic deposits to total assets | 84.8170% | 2,741 |
| Equity capital to assets | 12.7266% | 1,610 |
| Core capital (leverage) ratio | 12.7560% | 1,377 |
| Tier 1 risk-based capital ratio | 16.1764% | 2,368 |
| Total risk-based capital ratio | 17.4279% | 2,322 |
| Memoranda: | ||
| Average total assets | $278,989,500 | 2,322 |
| Average earning assets | $258,895,500 | 2,322 |
| Average equity | $35,077,500 | 2,138 |
| Average total loans | $212,699,500 | 2,114 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 2,731 |
| Cost of funding earning assets | 0.7164% | 1,988 |
| Net interest margin | 3.6927% | 3,059 |
| Noninterest income to average assets | 0.5106% | 2,772 |
| Noninterest expense to average assets | 2.3771% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5409% | 1,017 |
| Return on assets (ROA) | 1.5409% | 1,008 |
| Pretax return on assets | 1.5792% | 1,529 |
| Return on Equity (ROE) | 12.5926% | 1,512 |
| Retained earnings to average equity (ytd only) | 6.9297% | 1,704 |
| Net charge-offs to loans | -0.1316% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0848% | 3,848 |
| Assets per employee ($millions) | 5.9740% | 1,538 |
| Cash dividends to net income (ytd only)* | 44.9704% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 1,737 |
| Loan loss allowance to noncurrent loans | 246.2312% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 2,345 |
| Noncurrent loans to loans | 0.5582% | 2,602 |
| Net loans and leases to total assets | 75.1296% | 1,750 |
| Net loans and leases to deposits | 89.9332% | 1,810 |
| Net loans and leases to core deposits | 98.1382% | 1,855 |
| Total domestic deposits to total assets | 83.5394% | 3,148 |
| Equity capital to assets | 12.4215% | 1,621 |
| Core capital (leverage) ratio | 12.8319% | 1,312 |
| Tier 1 risk-based capital ratio | 15.8857% | 2,453 |
| Total risk-based capital ratio | 17.1367% | 2,386 |
| Memoranda: | ||
| Average total assets | $274,195,400 | 2,301 |
| Average earning assets | $255,853,200 | 2,295 |
| Average equity | $33,551,400 | 2,133 |
| Average total loans | $206,738,600 | 2,124 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,744 |
| Cost of funding earning assets | 0.6664% | 2,056 |
| Net interest margin | 3.6990% | 3,023 |
| Noninterest income to average assets | 0.5141% | 2,777 |
| Noninterest expense to average assets | 2.2997% | 4,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6354% | 880 |
| Return on assets (ROA) | 1.6354% | 886 |
| Pretax return on assets | 1.6735% | 1,335 |
| Return on Equity (ROE) | 13.4173% | 1,291 |
| Retained earnings to average equity (ytd only) | 7.3970% | 1,931 |
| Net charge-offs to loans | -0.0566% | 4,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8798% | 4,144 |
| Assets per employee ($millions) | 5.8493% | 1,610 |
| Cash dividends to net income (ytd only)* | 44.8699% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 2,075 |
| Loan loss allowance to noncurrent loans | 235.4701% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 2,483 |
| Noncurrent loans to loans | 0.5543% | 2,722 |
| Net loans and leases to total assets | 75.7803% | 1,688 |
| Net loans and leases to deposits | 93.5433% | 1,423 |
| Net loans and leases to core deposits | 103.0846% | 1,524 |
| Total domestic deposits to total assets | 81.0110% | 3,865 |
| Equity capital to assets | 12.3543% | 1,673 |
| Core capital (leverage) ratio | 12.4964% | 1,503 |
| Tier 1 risk-based capital ratio | 16.0841% | 2,413 |
| Total risk-based capital ratio | 17.3345% | 2,359 |
| Memoranda: | ||
| Average total assets | $272,549,250 | 2,322 |
| Average earning assets | $254,876,250 | 2,314 |
| Average equity | $33,220,000 | 2,151 |
| Average total loans | $204,951,000 | 2,149 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 2,946 |
| Cost of funding earning assets | 0.5938% | 2,267 |
| Net interest margin | 3.6560% | 3,091 |
| Noninterest income to average assets | 0.4901% | 2,913 |
| Noninterest expense to average assets | 2.3440% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5241% | 1,092 |
| Return on assets (ROA) | 1.5241% | 1,095 |
| Pretax return on assets | 1.5624% | 1,630 |
| Return on Equity (ROE) | 12.5622% | 1,517 |
| Retained earnings to average equity (ytd only) | 5.8898% | 2,612 |
| Net charge-offs to loans | -0.1745% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0038% | 3,934 |
| Assets per employee ($millions) | 5.8618% | 1,584 |
| Cash dividends to net income (ytd only)* | 53.1144% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,931 |
| Loan loss allowance to noncurrent loans | 198.5345% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 2,248 |
| Noncurrent loans to loans | 0.6812% | 2,408 |
| Net loans and leases to total assets | 75.3263% | 1,749 |
| Net loans and leases to deposits | 94.9098% | 1,256 |
| Net loans and leases to core deposits | 102.3793% | 1,535 |
| Total domestic deposits to total assets | 79.3662% | 4,367 |
| Equity capital to assets | 12.0779% | 1,804 |
| Core capital (leverage) ratio | 12.5264% | 1,425 |
| Tier 1 risk-based capital ratio | 15.6334% | 2,575 |
| Total risk-based capital ratio | 16.8844% | 2,524 |
| Memoranda: | ||
| Average total assets | $271,760,000 | 2,339 |
| Average earning assets | $253,939,670 | 2,330 |
| Average equity | $32,972,000 | 2,172 |
| Average total loans | $202,905,330 | 2,160 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,822 |
| Cost of funding earning assets | 0.5492% | 2,410 |
| Net interest margin | 3.6707% | 2,917 |
| Noninterest income to average assets | 0.4491% | 3,118 |
| Noninterest expense to average assets | 2.3951% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4332% | 1,245 |
| Return on assets (ROA) | 1.4332% | 1,254 |
| Pretax return on assets | 1.4717% | 1,758 |
| Return on Equity (ROE) | 11.7853% | 1,653 |
| Retained earnings to average equity (ytd only) | 3.2541% | 3,907 |
| Net charge-offs to loans | -0.1707% | 5,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9394% | 3,799 |
| Assets per employee ($millions) | 5.5410% | 1,903 |
| Cash dividends to net income (ytd only)* | 72.3888% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 1,934 |
| Loan loss allowance to noncurrent loans | 176.4744% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 2,106 |
| Noncurrent loans to loans | 0.7801% | 2,252 |
| Net loans and leases to total assets | 74.1564% | 1,833 |
| Net loans and leases to deposits | 89.1529% | 1,794 |
| Net loans and leases to core deposits | 95.0704% | 2,047 |
| Total domestic deposits to total assets | 83.1789% | 3,607 |
| Equity capital to assets | 12.2691% | 1,624 |
| Core capital (leverage) ratio | 12.4319% | 1,422 |
| Tier 1 risk-based capital ratio | 15.7873% | 2,559 |
| Total risk-based capital ratio | 17.0385% | 2,509 |
| Memoranda: | ||
| Average total assets | $269,888,000 | 2,370 |
| Average earning assets | $251,290,000 | 2,368 |
| Average equity | $32,820,500 | 2,193 |
| Average total loans | $199,172,000 | 2,203 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 2,818 |
| Cost of funding earning assets | 0.4927% | 2,402 |
| Net interest margin | 3.6730% | 2,902 |
| Noninterest income to average assets | 0.6495% | 2,200 |
| Noninterest expense to average assets | 2.4385% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5896% | 665 |
| Return on assets (ROA) | 1.5900% | 682 |
| Pretax return on assets | 1.6289% | 1,221 |
| Return on Equity (ROE) | 13.1186% | 928 |
| Retained earnings to average equity (ytd only) | 7.6905% | 861 |
| Net charge-offs to loans | -0.0067% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9587% | 4,273 |
| Assets per employee ($millions) | 5.9523% | 1,547 |
| Cash dividends to net income (ytd only)* | 41.3768% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,997 |
| Loan loss allowance to noncurrent loans | 518.0583% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 3,538 |
| Noncurrent loans to loans | 0.2596% | 3,858 |
| Net loans and leases to total assets | 71.4701% | 2,300 |
| Net loans and leases to deposits | 85.7962% | 2,286 |
| Net loans and leases to core deposits | 91.3142% | 2,428 |
| Total domestic deposits to total assets | 83.3021% | 3,465 |
| Equity capital to assets | 12.0556% | 1,794 |
| Core capital (leverage) ratio | 12.4675% | 1,374 |
| Tier 1 risk-based capital ratio | 15.9540% | 2,444 |
| Total risk-based capital ratio | 17.2045% | 2,392 |
| Memoranda: | ||
| Average total assets | $262,206,400 | 2,396 |
| Average earning assets | $243,971,600 | 2,388 |
| Average equity | $31,779,400 | 2,233 |
| Average total loans | $193,182,000 | 2,218 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 2,842 |
| Cost of funding earning assets | 0.4806% | 2,429 |
| Net interest margin | 3.6576% | 2,923 |
| Noninterest income to average assets | 0.7204% | 1,908 |
| Noninterest expense to average assets | 2.4187% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6706% | 618 |
| Return on assets (ROA) | 1.6711% | 633 |
| Pretax return on assets | 1.7107% | 1,094 |
| Return on Equity (ROE) | 13.7685% | 881 |
| Retained earnings to average equity (ytd only) | 7.9434% | 1,247 |
| Net charge-offs to loans | -0.0042% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5803% | 4,420 |
| Assets per employee ($millions) | 5.8235% | 1,636 |
| Cash dividends to net income (ytd only)* | 42.3077% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 2,097 |
| Loan loss allowance to noncurrent loans | 428.5024% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 3,473 |
| Noncurrent loans to loans | 0.3164% | 3,815 |
| Net loans and leases to total assets | 73.8851% | 1,933 |
| Net loans and leases to deposits | 92.6310% | 1,475 |
| Net loans and leases to core deposits | 99.4749% | 1,751 |
| Total domestic deposits to total assets | 79.7628% | 4,370 |
| Equity capital to assets | 12.4843% | 1,665 |
| Core capital (leverage) ratio | 12.5354% | 1,406 |
| Tier 1 risk-based capital ratio | 15.8838% | 2,554 |
| Total risk-based capital ratio | 17.1345% | 2,485 |
| Memoranda: | ||
| Average total assets | $259,306,250 | 2,434 |
| Average earning assets | $241,646,750 | 2,430 |
| Average equity | $31,472,000 | 2,267 |
| Average total loans | $191,888,000 | 2,240 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 2,860 |
| Cost of funding earning assets | 0.4711% | 2,404 |
| Net interest margin | 3.6183% | 2,962 |
| Noninterest income to average assets | 0.7957% | 1,584 |
| Noninterest expense to average assets | 2.4962% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6247% | 659 |
| Return on assets (ROA) | 1.6255% | 682 |
| Pretax return on assets | 1.6649% | 1,140 |
| Return on Equity (ROE) | 13.5234% | 918 |
| Retained earnings to average equity (ytd only) | 6.9227% | 1,633 |
| Net charge-offs to loans | 0.0021% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,075.0000% | 64 |
| Efficiency ratio | 60.0000% | 4,317 |
| Assets per employee ($millions) | 6.0404% | 1,434 |
| Cash dividends to net income (ytd only)* | 48.8095% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,839 |
| Loan loss allowance to noncurrent loans | 320.7981% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 3,276 |
| Noncurrent loans to loans | 0.4444% | 3,421 |
| Net loans and leases to total assets | 69.0239% | 2,667 |
| Net loans and leases to deposits | 83.1747% | 2,581 |
| Net loans and leases to core deposits | 88.4374% | 2,666 |
| Total domestic deposits to total assets | 82.9866% | 3,573 |
| Equity capital to assets | 12.0273% | 1,906 |
| Core capital (leverage) ratio | 12.2868% | 1,486 |
| Tier 1 risk-based capital ratio | 16.0867% | 2,466 |
| Total risk-based capital ratio | 17.3382% | 2,412 |
| Memoranda: | ||
| Average total assets | $258,389,330 | 2,450 |
| Average earning assets | $240,281,330 | 2,446 |
| Average equity | $31,057,330 | 2,296 |
| Average total loans | $190,423,330 | 2,254 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 2,543 |
| Cost of funding earning assets | 0.4657% | 2,378 |
| Net interest margin | 3.6664% | 2,623 |
| Noninterest income to average assets | 0.4303% | 3,442 |
| Noninterest expense to average assets | 2.3165% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4731% | 859 |
| Return on assets (ROA) | 1.4731% | 884 |
| Pretax return on assets | 1.5140% | 1,493 |
| Return on Equity (ROE) | 12.2602% | 1,169 |
| Retained earnings to average equity (ytd only) | 3.4376% | 3,721 |
| Net charge-offs to loans | 0.0042% | 2,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 482.0000% | 117 |
| Efficiency ratio | 60.4756% | 4,402 |
| Assets per employee ($millions) | 5.6724% | 1,748 |
| Cash dividends to net income (ytd only)* | 71.9616% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 2,090 |
| Loan loss allowance to noncurrent loans | 295.4343% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 3,095 |
| Noncurrent loans to loans | 0.4729% | 3,395 |
| Net loans and leases to total assets | 73.3550% | 1,846 |
| Net loans and leases to deposits | 88.7018% | 1,710 |
| Net loans and leases to core deposits | 94.4809% | 1,940 |
| Total domestic deposits to total assets | 82.6984% | 3,948 |
| Equity capital to assets | 12.0630% | 1,787 |
| Core capital (leverage) ratio | 12.1537% | 1,533 |
| Tier 1 risk-based capital ratio | 16.1995% | 2,476 |
| Total risk-based capital ratio | 17.4515% | 2,415 |
| Memoranda: | ||
| Average total assets | $254,694,500 | 2,506 |
| Average earning assets | $236,200,000 | 2,499 |
| Average equity | $30,603,000 | 2,328 |
| Average total loans | $192,583,000 | 2,246 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2596% | 2,277 |
| Cost of funding earning assets | 0.4553% | 2,493 |
| Net interest margin | 3.8044% | 2,306 |
| Noninterest income to average assets | 0.4888% | 3,308 |
| Noninterest expense to average assets | 2.4488% | 4,169 |
| Loan and lease loss provision to assets | 0.0404% | 3,571 |
| Net operating income to assets | 1.5016% | 825 |
| Return on assets (ROA) | 1.5250% | 817 |
| Pretax return on assets | 1.5638% | 1,384 |
| Return on Equity (ROE) | 12.6369% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.9467% | 873 |
| Net charge-offs to loans | 0.0011% | 4,248 |
| Credit loss provision to net charge-offs | 5,000.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,954.5000% | 24 |
| Efficiency ratio | 60.7766% | 4,458 |
| Assets per employee ($millions) | 5.7757% | 1,639 |
| Cash dividends to net income (ytd only)* | 37.1156% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,263 |
| Loan loss allowance to noncurrent loans | 228.0928% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 2,804 |
| Noncurrent loans to loans | 0.5961% | 3,067 |
| Net loans and leases to total assets | 75.7930% | 1,542 |
| Net loans and leases to deposits | 91.4509% | 1,517 |
| Net loans and leases to core deposits | 98.7982% | 1,721 |
| Total domestic deposits to total assets | 82.8784% | 3,810 |
| Equity capital to assets | 11.9679% | 1,830 |
| Core capital (leverage) ratio | 12.1786% | 1,489 |
| Tier 1 risk-based capital ratio | 15.6231% | 2,697 |
| Total risk-based capital ratio | 16.8745% | 2,626 |
| Memoranda: | ||
| Average total assets | $247,346,200 | 2,531 |
| Average earning assets | $230,183,600 | 2,514 |
| Average equity | $29,849,000 | 2,362 |
| Average total loans | $188,223,000 | 2,226 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 2,366 |
| Cost of funding earning assets | 0.4515% | 2,548 |
| Net interest margin | 3.7918% | 2,359 |
| Noninterest income to average assets | 0.4993% | 3,253 |
| Noninterest expense to average assets | 2.2671% | 4,607 |
| Loan and lease loss provision to assets | 0.0543% | 3,176 |
| Net operating income to assets | 1.6767% | 623 |
| Return on assets (ROA) | 1.7081% | 619 |
| Pretax return on assets | 1.7472% | 1,009 |
| Return on Equity (ROE) | 14.1239% | 798 |
| Retained earnings to average equity (ytd only) | 9.1871% | 759 |
| Net charge-offs to loans | -0.0014% | 4,458 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1651% | 5,050 |
| Assets per employee ($millions) | 5.5760% | 1,776 |
| Cash dividends to net income (ytd only)* | 34.9539% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 2,338 |
| Loan loss allowance to noncurrent loans | 289.0217% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 3,251 |
| Noncurrent loans to loans | 0.4743% | 3,593 |
| Net loans and leases to total assets | 76.2395% | 1,488 |
| Net loans and leases to deposits | 91.3572% | 1,586 |
| Net loans and leases to core deposits | 99.5162% | 1,683 |
| Total domestic deposits to total assets | 83.4522% | 3,422 |
| Equity capital to assets | 12.2943% | 1,897 |
| Core capital (leverage) ratio | 12.2123% | 1,538 |
| Tier 1 risk-based capital ratio | 15.7501% | 2,723 |
| Total risk-based capital ratio | 17.0018% | 2,657 |
| Memoranda: | ||
| Average total assets | $245,650,500 | 2,550 |
| Average earning assets | $229,152,750 | 2,529 |
| Average equity | $29,707,750 | 2,385 |
| Average total loans | $186,462,000 | 2,250 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 2,444 |
| Cost of funding earning assets | 0.4478% | 2,591 |
| Net interest margin | 3.7719% | 2,435 |
| Noninterest income to average assets | 0.5051% | 3,161 |
| Noninterest expense to average assets | 2.3149% | 4,569 |
| Loan and lease loss provision to assets | 0.0820% | 2,499 |
| Net operating income to assets | 1.5853% | 749 |
| Return on assets (ROA) | 1.6327% | 713 |
| Pretax return on assets | 1.6720% | 1,165 |
| Return on Equity (ROE) | 13.5778% | 910 |
| Retained earnings to average equity (ytd only) | 8.1221% | 1,138 |
| Net charge-offs to loans | -0.0022% | 4,381 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5770% | 4,963 |
| Assets per employee ($millions) | 5.4819% | 1,812 |
| Cash dividends to net income (ytd only)* | 40.1808% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 2,270 |
| Loan loss allowance to noncurrent loans | 221.9533% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 2,980 |
| Noncurrent loans to loans | 0.6335% | 3,179 |
| Net loans and leases to total assets | 75.5816% | 1,557 |
| Net loans and leases to deposits | 90.9743% | 1,635 |
| Net loans and leases to core deposits | 99.2864% | 1,688 |
| Total domestic deposits to total assets | 83.0802% | 3,614 |
| Equity capital to assets | 12.2130% | 1,963 |
| Core capital (leverage) ratio | 12.0133% | 1,620 |
| Tier 1 risk-based capital ratio | 15.7575% | 2,758 |
| Total risk-based capital ratio | 17.0097% | 2,691 |
| Memoranda: | ||
| Average total assets | $243,893,670 | 2,579 |
| Average earning assets | $227,314,000 | 2,560 |
| Average equity | $29,327,330 | 2,417 |
| Average total loans | $183,962,670 | 2,275 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,439 |
| Cost of funding earning assets | 0.4404% | 2,681 |
| Net interest margin | 3.7681% | 2,407 |
| Noninterest income to average assets | 0.4701% | 3,340 |
| Noninterest expense to average assets | 2.3258% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6069% | 693 |
| Return on assets (ROA) | 1.7023% | 611 |
| Pretax return on assets | 1.7419% | 963 |
| Return on Equity (ROE) | 14.2704% | 791 |
| Retained earnings to average equity (ytd only) | 7.3564% | 1,727 |
| Net charge-offs to loans | -0.0022% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5791% | 4,933 |
| Assets per employee ($millions) | 5.2710% | 2,057 |
| Cash dividends to net income (ytd only)* | 48.4496% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,432 |
| Loan loss allowance to noncurrent loans | 206.4568% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 2,667 |
| Noncurrent loans to loans | 0.6772% | 3,144 |
| Net loans and leases to total assets | 74.4011% | 1,661 |
| Net loans and leases to deposits | 89.0831% | 1,692 |
| Net loans and leases to core deposits | 94.4457% | 1,945 |
| Total domestic deposits to total assets | 83.5188% | 3,703 |
| Equity capital to assets | 12.0719% | 1,977 |
| Core capital (leverage) ratio | 11.9725% | 1,628 |
| Tier 1 risk-based capital ratio | 15.5856% | 2,867 |
| Total risk-based capital ratio | 16.8376% | 2,799 |
| Memoranda: | ||
| Average total assets | $242,497,000 | 2,602 |
| Average earning assets | $225,256,500 | 2,583 |
| Average equity | $28,927,000 | 2,439 |
| Average total loans | $181,389,500 | 2,296 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 2,739 |
| Cost of funding earning assets | 0.4176% | 2,967 |
| Net interest margin | 3.7316% | 2,636 |
| Noninterest income to average assets | 0.5324% | 3,127 |
| Noninterest expense to average assets | 2.5494% | 4,075 |
| Loan and lease loss provision to assets | 0.0846% | 2,603 |
| Net operating income to assets | 1.3352% | 1,190 |
| Return on assets (ROA) | 1.3352% | 1,227 |
| Pretax return on assets | 1.3737% | 2,006 |
| Return on Equity (ROE) | 11.3283% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.8401% | 1,353 |
| Net charge-offs to loans | -0.0006% | 4,821 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6114% | 4,351 |
| Assets per employee ($millions) | 5.0527% | 2,301 |
| Cash dividends to net income (ytd only)* | 39.6197% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 2,321 |
| Loan loss allowance to noncurrent loans | 177.4462% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 2,445 |
| Noncurrent loans to loans | 0.8013% | 2,786 |
| Net loans and leases to total assets | 73.0912% | 1,874 |
| Net loans and leases to deposits | 90.1453% | 1,594 |
| Net loans and leases to core deposits | 97.3032% | 1,733 |
| Total domestic deposits to total assets | 81.0815% | 4,457 |
| Equity capital to assets | 11.7858% | 2,121 |
| Core capital (leverage) ratio | 11.8174% | 1,744 |
| Tier 1 risk-based capital ratio | 15.3865% | 2,994 |
| Total risk-based capital ratio | 16.6386% | 2,930 |
| Memoranda: | ||
| Average total assets | $236,292,000 | 2,613 |
| Average earning assets | $220,067,000 | 2,586 |
| Average equity | $27,850,600 | 2,473 |
| Average total loans | $170,728,800 | 2,348 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 2,895 |
| Cost of funding earning assets | 0.4118% | 3,102 |
| Net interest margin | 3.6988% | 2,778 |
| Noninterest income to average assets | 0.5601% | 2,983 |
| Noninterest expense to average assets | 2.3584% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6126% | 750 |
| Return on assets (ROA) | 1.6126% | 779 |
| Pretax return on assets | 1.6506% | 1,240 |
| Return on Equity (ROE) | 13.6813% | 965 |
| Retained earnings to average equity (ytd only) | 8.9827% | 917 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8269% | 5,026 |
| Assets per employee ($millions) | 5.0424% | 2,254 |
| Cash dividends to net income (ytd only)* | 34.3431% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 2,796 |
| Loan loss allowance to noncurrent loans | 157.4866% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.9346% | 2,522 |
| Noncurrent loans to loans | 0.8624% | 2,824 |
| Net loans and leases to total assets | 72.2039% | 2,031 |
| Net loans and leases to deposits | 88.4876% | 1,837 |
| Net loans and leases to core deposits | 95.0270% | 1,976 |
| Total domestic deposits to total assets | 81.5978% | 4,291 |
| Equity capital to assets | 12.0682% | 2,054 |
| Core capital (leverage) ratio | 12.0759% | 1,637 |
| Tier 1 risk-based capital ratio | 16.0182% | 2,786 |
| Total risk-based capital ratio | 17.2697% | 2,732 |
| Memoranda: | ||
| Average total assets | $234,732,500 | 2,640 |
| Average earning assets | $218,876,250 | 2,613 |
| Average equity | $27,667,250 | 2,499 |
| Average total loans | $168,454,750 | 2,385 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 2,916 |
| Cost of funding earning assets | 0.4071% | 3,196 |
| Net interest margin | 3.6869% | 2,768 |
| Noninterest income to average assets | 0.5351% | 3,135 |
| Noninterest expense to average assets | 2.3447% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5890% | 763 |
| Return on assets (ROA) | 1.5890% | 790 |
| Pretax return on assets | 1.6275% | 1,258 |
| Return on Equity (ROE) | 13.5912% | 987 |
| Retained earnings to average equity (ytd only) | 8.4735% | 1,087 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0273% | 5,108 |
| Assets per employee ($millions) | 5.0742% | 2,176 |
| Cash dividends to net income (ytd only)* | 37.6547% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,752 |
| Loan loss allowance to noncurrent loans | 155.3065% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 2,613 |
| Noncurrent loans to loans | 0.9022% | 2,869 |
| Net loans and leases to total assets | 71.0315% | 2,159 |
| Net loans and leases to deposits | 88.0115% | 1,836 |
| Net loans and leases to core deposits | 93.5147% | 2,006 |
| Total domestic deposits to total assets | 80.7071% | 4,690 |
| Equity capital to assets | 11.8627% | 2,131 |
| Core capital (leverage) ratio | 11.6937% | 1,845 |
| Tier 1 risk-based capital ratio | 16.0169% | 2,849 |
| Total risk-based capital ratio | 17.2689% | 2,805 |
| Memoranda: | ||
| Average total assets | $233,978,670 | 2,669 |
| Average earning assets | $218,124,000 | 2,639 |
| Average equity | $27,356,000 | 2,534 |
| Average total loans | $166,781,330 | 2,404 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0510% | 3,043 |
| Cost of funding earning assets | 0.4064% | 3,236 |
| Net interest margin | 3.6446% | 2,834 |
| Noninterest income to average assets | 0.4798% | 3,427 |
| Noninterest expense to average assets | 2.3376% | 4,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5026% | 843 |
| Return on assets (ROA) | 1.5026% | 894 |
| Pretax return on assets | 1.5419% | 1,418 |
| Return on Equity (ROE) | 12.9462% | 1,106 |
| Retained earnings to average equity (ytd only) | 6.6938% | 2,150 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2553% | 5,061 |
| Assets per employee ($millions) | 5.1698% | 2,151 |
| Cash dividends to net income (ytd only)* | 48.2955% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 2,805 |
| Loan loss allowance to noncurrent loans | 139.7390% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0113% | 2,601 |
| Noncurrent loans to loans | 1.0206% | 2,721 |
| Net loans and leases to total assets | 68.4786% | 2,371 |
| Net loans and leases to deposits | 82.9673% | 2,209 |
| Net loans and leases to core deposits | 87.9134% | 2,341 |
| Total domestic deposits to total assets | 82.5369% | 4,336 |
| Equity capital to assets | 11.5483% | 2,423 |
| Core capital (leverage) ratio | 11.4032% | 2,078 |
| Tier 1 risk-based capital ratio | 15.9685% | 2,938 |
| Total risk-based capital ratio | 17.2204% | 2,871 |
| Memoranda: | ||
| Average total assets | $234,262,000 | 2,683 |
| Average earning assets | $218,515,000 | 2,657 |
| Average equity | $27,189,500 | 2,561 |
| Average total loans | $166,096,000 | 2,423 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 2,873 |
| Cost of funding earning assets | 0.4604% | 3,068 |
| Net interest margin | 3.7629% | 2,761 |
| Noninterest income to average assets | 0.3796% | 4,345 |
| Noninterest expense to average assets | 2.5132% | 4,500 |
| Loan and lease loss provision to assets | 0.0905% | 2,656 |
| Net operating income to assets | 1.2274% | 1,506 |
| Return on assets (ROA) | 1.2274% | 1,558 |
| Pretax return on assets | 1.2663% | 2,364 |
| Return on Equity (ROE) | 10.5433% | 1,881 |
| Retained earnings to average equity (ytd only) | 6.6571% | 1,566 |
| Net charge-offs to loans | 0.0068% | 4,789 |
| Credit loss provision to net charge-offs | 1,818.1818% | 170 |
| Earnings coverage of net charge-offs (x) | 272.6364% | 198 |
| Efficiency ratio | 64.9404% | 4,412 |
| Assets per employee ($millions) | 5.1270% | 2,158 |
| Cash dividends to net income (ytd only)* | 36.8596% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 2,901 |
| Loan loss allowance to noncurrent loans | 177.2761% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 2,972 |
| Noncurrent loans to loans | 0.7959% | 3,317 |
| Net loans and leases to total assets | 71.3572% | 2,024 |
| Net loans and leases to deposits | 86.9407% | 1,856 |
| Net loans and leases to core deposits | 92.8435% | 2,008 |
| Total domestic deposits to total assets | 82.0756% | 4,391 |
| Equity capital to assets | 11.6664% | 2,288 |
| Core capital (leverage) ratio | 11.6342% | 1,881 |
| Tier 1 risk-based capital ratio | 16.0293% | 2,948 |
| Total risk-based capital ratio | 17.2821% | 2,890 |
| Memoranda: | ||
| Average total assets | $221,032,800 | 2,770 |
| Average earning assets | $205,030,400 | 2,753 |
| Average equity | $25,732,000 | 2,591 |
| Average total loans | $160,730,400 | 2,414 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,875 |
| Cost of funding earning assets | 0.4718% | 3,039 |
| Net interest margin | 3.7612% | 2,768 |
| Noninterest income to average assets | 0.3245% | 4,835 |
| Noninterest expense to average assets | 2.4133% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3570% | 1,235 |
| Return on assets (ROA) | 1.3570% | 1,280 |
| Pretax return on assets | 1.3973% | 2,017 |
| Return on Equity (ROE) | 11.6630% | 1,571 |
| Retained earnings to average equity (ytd only) | 7.7316% | 1,475 |
| Net charge-offs to loans | -0.0008% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3323% | 4,655 |
| Assets per employee ($millions) | 4.7781% | 2,551 |
| Cash dividends to net income (ytd only)* | 33.7081% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 3,493 |
| Loan loss allowance to noncurrent loans | 156.8741% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 3,086 |
| Noncurrent loans to loans | 0.8488% | 3,446 |
| Net loans and leases to total assets | 71.5382% | 1,927 |
| Net loans and leases to deposits | 88.0547% | 1,664 |
| Net loans and leases to core deposits | 93.5923% | 1,908 |
| Total domestic deposits to total assets | 81.2429% | 4,753 |
| Equity capital to assets | 11.8252% | 2,208 |
| Core capital (leverage) ratio | 11.8545% | 1,787 |
| Tier 1 risk-based capital ratio | 16.2257% | 2,943 |
| Total risk-based capital ratio | 17.4786% | 2,898 |
| Memoranda: | ||
| Average total assets | $218,612,500 | 2,817 |
| Average earning assets | $202,626,250 | 2,797 |
| Average equity | $25,436,000 | 2,628 |
| Average total loans | $159,166,250 | 2,452 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 2,873 |
| Cost of funding earning assets | 0.4869% | 2,956 |
| Net interest margin | 3.7358% | 2,819 |
| Noninterest income to average assets | 0.2096% | 5,700 |
| Noninterest expense to average assets | 2.3875% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2455% | 1,457 |
| Return on assets (ROA) | 1.2455% | 1,519 |
| Pretax return on assets | 1.2861% | 2,310 |
| Return on Equity (ROE) | 10.7650% | 1,822 |
| Retained earnings to average equity (ytd only) | 6.7750% | 1,887 |
| Net charge-offs to loans | -0.0013% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9912% | 4,537 |
| Assets per employee ($millions) | 4.6202% | 2,742 |
| Cash dividends to net income (ytd only)* | 37.0645% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 3,480 |
| Loan loss allowance to noncurrent loans | 126.7836% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 2,834 |
| Noncurrent loans to loans | 1.0831% | 3,061 |
| Net loans and leases to total assets | 71.7095% | 1,794 |
| Net loans and leases to deposits | 86.8550% | 1,730 |
| Net loans and leases to core deposits | 90.6222% | 2,065 |
| Total domestic deposits to total assets | 82.5624% | 4,462 |
| Equity capital to assets | 11.9074% | 2,057 |
| Core capital (leverage) ratio | 11.8235% | 1,773 |
| Tier 1 risk-based capital ratio | 16.3186% | 2,926 |
| Total risk-based capital ratio | 17.5719% | 2,869 |
| Memoranda: | ||
| Average total assets | $216,626,330 | 2,851 |
| Average earning assets | $200,865,330 | 2,828 |
| Average equity | $25,062,670 | 2,655 |
| Average total loans | $157,947,670 | 2,476 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 2,891 |
| Cost of funding earning assets | 0.4986% | 2,921 |
| Net interest margin | 3.6975% | 2,873 |
| Noninterest income to average assets | -0.2366% | 6,692 |
| Noninterest expense to average assets | 2.3368% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8134% | 3,093 |
| Return on assets (ROA) | 0.8134% | 3,160 |
| Pretax return on assets | 0.8541% | 3,885 |
| Return on Equity (ROE) | 7.1355% | 3,393 |
| Retained earnings to average equity (ytd only) | 3.0812% | 4,270 |
| Net charge-offs to loans | -0.0025% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2329% | 3,272 |
| Assets per employee ($millions) | 4.8145% | 2,494 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 3,601 |
| Loan loss allowance to noncurrent loans | 98.1440% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.3579% | 2,599 |
| Noncurrent loans to loans | 1.4265% | 2,644 |
| Net loans and leases to total assets | 70.4769% | 1,803 |
| Net loans and leases to deposits | 83.0705% | 1,939 |
| Net loans and leases to core deposits | 86.7425% | 2,234 |
| Total domestic deposits to total assets | 84.8399% | 3,939 |
| Equity capital to assets | 11.4837% | 2,265 |
| Core capital (leverage) ratio | 11.4194% | 2,029 |
| Tier 1 risk-based capital ratio | 16.1012% | 3,123 |
| Total risk-based capital ratio | 17.3544% | 3,080 |
| Memoranda: | ||
| Average total assets | $216,364,000 | 2,869 |
| Average earning assets | $200,565,500 | 2,845 |
| Average equity | $24,665,500 | 2,674 |
| Average total loans | $157,978,500 | 2,487 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 3,101 |
| Cost of funding earning assets | 0.5802% | 2,836 |
| Net interest margin | 3.6810% | 3,130 |
| Noninterest income to average assets | 0.6308% | 2,912 |
| Noninterest expense to average assets | 2.5979% | 4,469 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4211% | 983 |
| Return on assets (ROA) | 1.4211% | 1,019 |
| Pretax return on assets | 1.4611% | 1,578 |
| Return on Equity (ROE) | 12.5295% | 1,270 |
| Retained earnings to average equity (ytd only) | 8.5868% | 879 |
| Net charge-offs to loans | 0.0019% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1,034.6667% | 35 |
| Efficiency ratio | 64.0032% | 4,895 |
| Assets per employee ($millions) | 4.9108% | 2,297 |
| Cash dividends to net income (ytd only)* | 31.4674% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 3,915 |
| Loan loss allowance to noncurrent loans | 95.4205% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.5772% | 2,364 |
| Noncurrent loans to loans | 1.4097% | 2,783 |
| Net loans and leases to total assets | 73.5540% | 1,427 |
| Net loans and leases to deposits | 86.3380% | 1,641 |
| Net loans and leases to core deposits | 91.0545% | 1,897 |
| Total domestic deposits to total assets | 85.1930% | 3,647 |
| Equity capital to assets | 11.3160% | 2,322 |
| Core capital (leverage) ratio | 11.4911% | 1,968 |
| Tier 1 risk-based capital ratio | 15.1198% | 3,598 |
| Total risk-based capital ratio | 16.3720% | 3,540 |
| Memoranda: | ||
| Average total assets | $212,438,400 | 2,887 |
| Average earning assets | $197,852,400 | 2,854 |
| Average equity | $24,095,200 | 2,721 |
| Average total loans | $155,920,400 | 2,479 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 3,159 |
| Cost of funding earning assets | 0.5945% | 2,855 |
| Net interest margin | 3.6645% | 3,178 |
| Noninterest income to average assets | 0.6587% | 2,834 |
| Noninterest expense to average assets | 2.4065% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6275% | 712 |
| Return on assets (ROA) | 1.6275% | 754 |
| Pretax return on assets | 1.6672% | 1,167 |
| Return on Equity (ROE) | 14.3403% | 918 |
| Retained earnings to average equity (ytd only) | 10.4526% | 698 |
| Net charge-offs to loans | 0.0017% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,320.8165% | 24 |
| Efficiency ratio | 59.0747% | 5,546 |
| Assets per employee ($millions) | 4.7042% | 2,567 |
| Cash dividends to net income (ytd only)* | 27.1108% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 3,985 |
| Loan loss allowance to noncurrent loans | 85.8274% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.9415% | 2,090 |
| Noncurrent loans to loans | 1.6083% | 2,761 |
| Net loans and leases to total assets | 73.1690% | 1,418 |
| Net loans and leases to deposits | 85.2942% | 1,706 |
| Net loans and leases to core deposits | 90.0178% | 1,961 |
| Total domestic deposits to total assets | 85.7843% | 3,362 |
| Equity capital to assets | 11.5179% | 2,290 |
| Core capital (leverage) ratio | 11.5914% | 1,963 |
| Tier 1 risk-based capital ratio | 15.4639% | 3,487 |
| Total risk-based capital ratio | 16.7171% | 3,441 |
| Memoranda: | ||
| Average total assets | $211,529,500 | 2,925 |
| Average earning assets | $197,132,000 | 2,883 |
| Average equity | $24,006,250 | 2,755 |
| Average total loans | $154,626,000 | 2,506 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 3,134 |
| Cost of funding earning assets | 0.6034% | 2,905 |
| Net interest margin | 3.6521% | 3,168 |
| Noninterest income to average assets | 0.5674% | 3,398 |
| Noninterest expense to average assets | 2.4343% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4990% | 900 |
| Return on assets (ROA) | 1.4990% | 971 |
| Pretax return on assets | 1.5387% | 1,512 |
| Return on Equity (ROE) | 13.2742% | 1,174 |
| Retained earnings to average equity (ytd only) | 9.5055% | 966 |
| Net charge-offs to loans | 0.0039% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 542.3333% | 78 |
| Efficiency ratio | 61.2711% | 5,283 |
| Assets per employee ($millions) | 4.6768% | 2,546 |
| Cash dividends to net income (ytd only)* | 28.3912% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 4,019 |
| Loan loss allowance to noncurrent loans | 68.7718% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 1,921 |
| Noncurrent loans to loans | 2.0399% | 2,355 |
| Net loans and leases to total assets | 72.3674% | 1,514 |
| Net loans and leases to deposits | 85.3403% | 1,641 |
| Net loans and leases to core deposits | 89.7207% | 1,933 |
| Total domestic deposits to total assets | 84.7986% | 3,992 |
| Equity capital to assets | 11.3379% | 2,430 |
| Core capital (leverage) ratio | 11.1576% | 2,208 |
| Tier 1 risk-based capital ratio | 15.2477% | 3,630 |
| Total risk-based capital ratio | 16.5011% | 3,584 |
| Memoranda: | ||
| Average total assets | $211,476,670 | 2,944 |
| Average earning assets | $197,204,000 | 2,898 |
| Average equity | $23,881,000 | 2,785 |
| Average total loans | $153,815,330 | 2,522 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 3,017 |
| Cost of funding earning assets | 0.6050% | 3,067 |
| Net interest margin | 3.6667% | 3,005 |
| Noninterest income to average assets | 0.5642% | 3,349 |
| Noninterest expense to average assets | 2.2605% | 5,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6831% | 607 |
| Return on assets (ROA) | 1.6831% | 668 |
| Pretax return on assets | 1.7227% | 1,025 |
| Return on Equity (ROE) | 14.9345% | 782 |
| Retained earnings to average equity (ytd only) | 10.7488% | 928 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7504% | 5,992 |
| Assets per employee ($millions) | 4.9564% | 2,271 |
| Cash dividends to net income (ytd only)* | 28.0269% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 4,099 |
| Loan loss allowance to noncurrent loans | 67.3704% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.2583% | 2,066 |
| Noncurrent loans to loans | 2.1192% | 2,474 |
| Net loans and leases to total assets | 70.2983% | 1,613 |
| Net loans and leases to deposits | 81.3916% | 1,910 |
| Net loans and leases to core deposits | 85.4326% | 2,164 |
| Total domestic deposits to total assets | 86.3705% | 3,316 |
| Equity capital to assets | 11.3233% | 2,609 |
| Core capital (leverage) ratio | 11.0312% | 2,236 |
| Tier 1 risk-based capital ratio | 14.9203% | 3,901 |
| Total risk-based capital ratio | 16.1735% | 3,858 |
| Memoranda: | ||
| Average total assets | $211,988,000 | 2,960 |
| Average earning assets | $197,672,000 | 2,924 |
| Average equity | $23,891,000 | 2,812 |
| Average total loans | $153,489,500 | 2,528 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 3,591 |
| Cost of funding earning assets | 0.7762% | 2,863 |
| Net interest margin | 3.6791% | 3,744 |
| Noninterest income to average assets | 0.4522% | 4,234 |
| Noninterest expense to average assets | 2.4916% | 5,125 |
| Loan and lease loss provision to assets | 0.1953% | 3,190 |
| Net operating income to assets | 1.1486% | 1,772 |
| Return on assets (ROA) | 1.1486% | 1,943 |
| Pretax return on assets | 1.1886% | 2,839 |
| Return on Equity (ROE) | 10.1551% | 2,106 |
| Retained earnings to average equity (ytd only) | 6.4851% | 1,831 |
| Net charge-offs to loans | 0.2277% | 3,571 |
| Credit loss provision to net charge-offs | 120.8459% | 2,369 |
| Earnings coverage of net charge-offs (x) | 8.5619% | 2,388 |
| Efficiency ratio | 64.2893% | 4,834 |
| Assets per employee ($millions) | 4.9035% | 2,352 |
| Cash dividends to net income (ytd only)* | 36.1395% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 4,173 |
| Loan loss allowance to noncurrent loans | 62.0354% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.4140% | 2,029 |
| Noncurrent loans to loans | 2.2570% | 2,397 |
| Net loans and leases to total assets | 72.4757% | 1,423 |
| Net loans and leases to deposits | 85.6193% | 1,558 |
| Net loans and leases to core deposits | 90.0071% | 1,830 |
| Total domestic deposits to total assets | 84.6488% | 4,016 |
| Equity capital to assets | 11.2160% | 2,713 |
| Core capital (leverage) ratio | 10.9848% | 2,269 |
| Tier 1 risk-based capital ratio | 14.3639% | 4,116 |
| Total risk-based capital ratio | 15.6168% | 4,074 |
| Memoranda: | ||
| Average total assets | $204,771,400 | 2,986 |
| Average earning assets | $190,535,800 | 2,949 |
| Average equity | $23,160,800 | 2,833 |
| Average total loans | $145,364,800 | 2,645 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 3,710 |
| Cost of funding earning assets | 0.8148% | 2,821 |
| Net interest margin | 3.6678% | 3,931 |
| Noninterest income to average assets | 0.3903% | 4,706 |
| Noninterest expense to average assets | 2.3215% | 5,628 |
| Loan and lease loss provision to assets | 0.1640% | 3,467 |
| Net operating income to assets | 1.2811% | 1,491 |
| Return on assets (ROA) | 1.2811% | 1,636 |
| Pretax return on assets | 1.3211% | 2,523 |
| Return on Equity (ROE) | 11.3024% | 1,852 |
| Retained earnings to average equity (ytd only) | 7.5407% | 1,833 |
| Net charge-offs to loans | 0.2807% | 3,044 |
| Credit loss provision to net charge-offs | 83.0565% | 3,531 |
| Earnings coverage of net charge-offs (x) | 7.5217% | 2,594 |
| Efficiency ratio | 60.9857% | 5,314 |
| Assets per employee ($millions) | 4.7919% | 2,460 |
| Cash dividends to net income (ytd only)* | 33.2824% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 4,375 |
| Loan loss allowance to noncurrent loans | 57.0872% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 2.5154% | 2,105 |
| Noncurrent loans to loans | 2.4527% | 2,347 |
| Net loans and leases to total assets | 70.0608% | 1,897 |
| Net loans and leases to deposits | 82.0210% | 2,116 |
| Net loans and leases to core deposits | 86.4132% | 2,412 |
| Total domestic deposits to total assets | 85.4182% | 3,559 |
| Equity capital to assets | 11.4709% | 2,781 |
| Core capital (leverage) ratio | 11.1061% | 2,292 |
| Tier 1 risk-based capital ratio | 14.8896% | 3,926 |
| Total risk-based capital ratio | 16.1426% | 3,883 |
| Memoranda: | ||
| Average total assets | $203,251,750 | 3,038 |
| Average earning assets | $189,318,000 | 2,999 |
| Average equity | $23,038,750 | 2,873 |
| Average total loans | $142,959,750 | 2,712 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 3,777 |
| Cost of funding earning assets | 0.8431% | 2,855 |
| Net interest margin | 3.6543% | 4,014 |
| Noninterest income to average assets | 0.6722% | 2,817 |
| Noninterest expense to average assets | 2.3320% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7102% | 661 |
| Return on assets (ROA) | 1.7102% | 739 |
| Pretax return on assets | 1.7507% | 1,136 |
| Return on Equity (ROE) | 15.1491% | 910 |
| Retained earnings to average equity (ytd only) | 11.2086% | 708 |
| Net charge-offs to loans | 0.0183% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 136.2308% | 327 |
| Efficiency ratio | 57.1186% | 5,980 |
| Assets per employee ($millions) | 4.5605% | 2,788 |
| Cash dividends to net income (ytd only)* | 26.0116% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,139 |
| Loan loss allowance to noncurrent loans | 58.4383% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.8272% | 1,948 |
| Noncurrent loans to loans | 2.5237% | 2,392 |
| Net loans and leases to total assets | 69.5166% | 2,005 |
| Net loans and leases to deposits | 82.0300% | 2,109 |
| Net loans and leases to core deposits | 86.4472% | 2,369 |
| Total domestic deposits to total assets | 84.7453% | 3,980 |
| Equity capital to assets | 11.7089% | 2,402 |
| Core capital (leverage) ratio | 10.9713% | 2,328 |
| Tier 1 risk-based capital ratio | 15.3704% | 3,527 |
| Total risk-based capital ratio | 16.6246% | 3,482 |
| Memoranda: | ||
| Average total assets | $202,318,670 | 3,058 |
| Average earning assets | $188,819,330 | 3,010 |
| Average equity | $22,839,670 | 2,872 |
| Average total loans | $141,809,330 | 2,746 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 3,843 |
| Cost of funding earning assets | 0.8500% | 3,066 |
| Net interest margin | 3.6678% | 3,972 |
| Noninterest income to average assets | 0.6675% | 2,824 |
| Noninterest expense to average assets | 2.3471% | 5,638 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7032% | 714 |
| Return on assets (ROA) | 1.7032% | 796 |
| Pretax return on assets | 1.7445% | 1,211 |
| Return on Equity (ROE) | 15.3696% | 912 |
| Retained earnings to average equity (ytd only) | 10.9275% | 1,046 |
| Net charge-offs to loans | 0.0366% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 68.1538% | 497 |
| Efficiency ratio | 57.3628% | 5,997 |
| Assets per employee ($millions) | 4.8185% | 2,484 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 4,149 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.9002% | 1,999 |
| Noncurrent loans to loans | 3.0005% | 2,151 |
| Net loans and leases to total assets | 66.1636% | 2,442 |
| Net loans and leases to deposits | 78.0136% | 2,504 |
| Net loans and leases to core deposits | 82.1924% | 2,802 |
| Total domestic deposits to total assets | 84.8104% | 4,119 |
| Equity capital to assets | 10.9955% | 2,913 |
| Core capital (leverage) ratio | 10.7277% | 2,520 |
| Tier 1 risk-based capital ratio | 15.0109% | 3,754 |
| Total risk-based capital ratio | 16.2650% | 3,710 |
| Memoranda: | ||
| Average total assets | $203,148,000 | 3,071 |
| Average earning assets | $189,651,000 | 3,019 |
| Average equity | $22,512,000 | 2,911 |
| Average total loans | $141,924,000 | 2,756 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 3,442 |
| Cost of funding earning assets | 1.0073% | 3,322 |
| Net interest margin | 3.8754% | 3,446 |
| Noninterest income to average assets | 0.4793% | 3,996 |
| Noninterest expense to average assets | 2.3902% | 5,797 |
| Loan and lease loss provision to assets | 0.4038% | 2,580 |
| Net operating income to assets | 1.2811% | 1,292 |
| Return on assets (ROA) | 1.2816% | 1,394 |
| Pretax return on assets | 1.3217% | 2,045 |
| Return on Equity (ROE) | 11.5845% | 1,534 |
| Retained earnings to average equity (ytd only) | 7.5818% | 1,235 |
| Net charge-offs to loans | 0.5116% | 2,943 |
| Credit loss provision to net charge-offs | 110.0852% | 3,043 |
| Earnings coverage of net charge-offs (x) | 4.7031% | 3,012 |
| Efficiency ratio | 58.0833% | 6,045 |
| Assets per employee ($millions) | 4.6303% | 2,715 |
| Cash dividends to net income (ytd only)* | 34.5528% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 4,222 |
| Loan loss allowance to noncurrent loans | 57.5932% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.8458% | 3,192 |
| Noncurrent loans to loans | 2.5215% | 2,612 |
| Net loans and leases to total assets | 71.6075% | 1,711 |
| Net loans and leases to deposits | 85.4001% | 1,746 |
| Net loans and leases to core deposits | 90.9150% | 1,999 |
| Total domestic deposits to total assets | 83.8495% | 4,382 |
| Equity capital to assets | 11.1712% | 2,822 |
| Core capital (leverage) ratio | 10.7701% | 2,457 |
| Tier 1 risk-based capital ratio | 14.1165% | 4,241 |
| Total risk-based capital ratio | 15.3700% | 4,191 |
| Memoranda: | ||
| Average total assets | $191,947,400 | 3,160 |
| Average earning assets | $180,084,800 | 3,087 |
| Average equity | $21,235,200 | 2,985 |
| Average total loans | $137,620,200 | 2,842 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 3,574 |
| Cost of funding earning assets | 1.0357% | 3,423 |
| Net interest margin | 3.8615% | 3,567 |
| Noninterest income to average assets | 0.4705% | 4,125 |
| Noninterest expense to average assets | 2.2114% | 6,252 |
| Loan and lease loss provision to assets | 0.4032% | 2,433 |
| Net operating income to assets | 1.4437% | 1,068 |
| Return on assets (ROA) | 1.4437% | 1,144 |
| Pretax return on assets | 1.4843% | 1,691 |
| Return on Equity (ROE) | 13.0829% | 1,257 |
| Retained earnings to average equity (ytd only) | 8.9528% | 1,160 |
| Net charge-offs to loans | 0.6801% | 2,213 |
| Credit loss provision to net charge-offs | 82.9726% | 4,036 |
| Earnings coverage of net charge-offs (x) | 3.8845% | 3,259 |
| Efficiency ratio | 53.9514% | 6,495 |
| Assets per employee ($millions) | 4.5257% | 2,873 |
| Cash dividends to net income (ytd only)* | 31.5690% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 4,598 |
| Loan loss allowance to noncurrent loans | 154.1935% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 5,511 |
| Noncurrent loans to loans | 0.9022% | 5,059 |
| Net loans and leases to total assets | 69.6461% | 2,150 |
| Net loans and leases to deposits | 81.4948% | 2,449 |
| Net loans and leases to core deposits | 86.6181% | 2,697 |
| Total domestic deposits to total assets | 85.4607% | 3,522 |
| Equity capital to assets | 11.3430% | 2,821 |
| Core capital (leverage) ratio | 10.9164% | 2,460 |
| Tier 1 risk-based capital ratio | 14.8808% | 3,732 |
| Total risk-based capital ratio | 16.1342% | 3,702 |
| Memoranda: | ||
| Average total assets | $190,158,750 | 3,201 |
| Average earning assets | $178,683,250 | 3,132 |
| Average equity | $20,983,500 | 3,010 |
| Average total loans | $135,857,000 | 2,908 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 3,562 |
| Cost of funding earning assets | 1.0670% | 3,495 |
| Net interest margin | 3.8451% | 3,555 |
| Noninterest income to average assets | 0.4558% | 4,240 |
| Noninterest expense to average assets | 2.2377% | 6,283 |
| Loan and lease loss provision to assets | 0.1325% | 4,642 |
| Net operating income to assets | 1.6579% | 654 |
| Return on assets (ROA) | 1.6579% | 698 |
| Pretax return on assets | 1.6992% | 1,060 |
| Return on Equity (ROE) | 15.1697% | 771 |
| Retained earnings to average equity (ytd only) | 10.8050% | 702 |
| Net charge-offs to loans | 0.3015% | 3,363 |
| Credit loss provision to net charge-offs | 61.2745% | 4,309 |
| Earnings coverage of net charge-offs (x) | 8.4706% | 2,051 |
| Efficiency ratio | 54.9883% | 6,508 |
| Assets per employee ($millions) | 4.6553% | 2,608 |
| Cash dividends to net income (ytd only)* | 28.7724% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 4,299 |
| Loan loss allowance to noncurrent loans | 135.2044% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7749% | 5,344 |
| Noncurrent loans to loans | 1.0788% | 4,865 |
| Net loans and leases to total assets | 69.0601% | 2,399 |
| Net loans and leases to deposits | 81.0249% | 2,612 |
| Net loans and leases to core deposits | 85.9467% | 2,915 |
| Total domestic deposits to total assets | 85.2332% | 3,770 |
| Equity capital to assets | 11.2702% | 2,704 |
| Core capital (leverage) ratio | 10.7352% | 2,487 |
| Tier 1 risk-based capital ratio | 14.9296% | 3,528 |
| Total risk-based capital ratio | 16.1834% | 3,500 |
| Memoranda: | ||
| Average total assets | $188,677,000 | 3,244 |
| Average earning assets | $177,315,330 | 3,172 |
| Average equity | $20,620,000 | 3,049 |
| Average total loans | $135,327,330 | 2,938 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 3,580 |
| Cost of funding earning assets | 1.1001% | 3,518 |
| Net interest margin | 3.8026% | 3,601 |
| Noninterest income to average assets | 0.4371% | 4,390 |
| Noninterest expense to average assets | 2.3670% | 5,995 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5972% | 697 |
| Return on assets (ROA) | 1.5972% | 743 |
| Pretax return on assets | 1.6377% | 1,110 |
| Return on Equity (ROE) | 14.8504% | 843 |
| Retained earnings to average equity (ytd only) | 9.8937% | 1,143 |
| Net charge-offs to loans | 0.0411% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 54.8571% | 537 |
| Efficiency ratio | 59.1054% | 6,118 |
| Assets per employee ($millions) | 4.6386% | 2,676 |
| Cash dividends to net income (ytd only)* | 33.3778% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 4,121 |
| Loan loss allowance to noncurrent loans | 168.8442% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 5,698 |
| Noncurrent loans to loans | 0.8989% | 5,251 |
| Net loans and leases to total assets | 68.7857% | 2,377 |
| Net loans and leases to deposits | 79.8099% | 2,751 |
| Net loans and leases to core deposits | 84.4461% | 3,108 |
| Total domestic deposits to total assets | 86.1869% | 3,411 |
| Equity capital to assets | 10.7555% | 2,924 |
| Core capital (leverage) ratio | 10.5174% | 2,594 |
| Tier 1 risk-based capital ratio | 14.4502% | 3,773 |
| Total risk-based capital ratio | 15.7048% | 3,729 |
| Memoranda: | ||
| Average total assets | $187,582,000 | 3,273 |
| Average earning assets | $175,984,000 | 3,210 |
| Average equity | $20,174,500 | 3,081 |
| Average total loans | $136,109,000 | 2,967 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3478% | 2,906 |
| Cost of funding earning assets | 1.3276% | 3,699 |
| Net interest margin | 4.0201% | 2,924 |
| Noninterest income to average assets | 0.5246% | 3,991 |
| Noninterest expense to average assets | 2.6350% | 5,274 |
| Loan and lease loss provision to assets | 0.1802% | 5,415 |
| Net operating income to assets | 1.4407% | 873 |
| Return on assets (ROA) | 1.4090% | 1,006 |
| Pretax return on assets | 1.4494% | 1,510 |
| Return on Equity (ROE) | 13.0986% | 1,065 |
| Retained earnings to average equity (ytd only) | 8.7169% | 781 |
| Net charge-offs to loans | 0.2536% | 4,765 |
| Credit loss provision to net charge-offs | 95.3079% | 4,875 |
| Earnings coverage of net charge-offs (x) | 8.7918% | 1,922 |
| Efficiency ratio | 61.3161% | 5,845 |
| Assets per employee ($millions) | 4.5118% | 2,848 |
| Cash dividends to net income (ytd only)* | 33.4514% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 4,246 |
| Loan loss allowance to noncurrent loans | 120.5463% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 5,196 |
| Noncurrent loans to loans | 1.2082% | 4,711 |
| Net loans and leases to total assets | 74.2526% | 1,609 |
| Net loans and leases to deposits | 87.3853% | 1,883 |
| Net loans and leases to core deposits | 92.9349% | 2,394 |
| Total domestic deposits to total assets | 84.9715% | 3,861 |
| Equity capital to assets | 10.7546% | 2,901 |
| Core capital (leverage) ratio | 10.6468% | 2,420 |
| Tier 1 risk-based capital ratio | 13.8689% | 3,951 |
| Total risk-based capital ratio | 15.1217% | 3,934 |
| Memoranda: | ||
| Average total assets | $180,344,400 | 3,368 |
| Average earning assets | $169,248,000 | 3,297 |
| Average equity | $19,399,000 | 3,225 |
| Average total loans | $134,483,600 | 3,041 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3759% | 2,991 |
| Cost of funding earning assets | 1.3757% | 3,735 |
| Net interest margin | 4.0002% | 3,105 |
| Noninterest income to average assets | 0.5484% | 3,804 |
| Noninterest expense to average assets | 2.3647% | 6,136 |
| Loan and lease loss provision to assets | 0.0930% | 6,097 |
| Net operating income to assets | 1.8044% | 497 |
| Return on assets (ROA) | 1.8044% | 542 |
| Pretax return on assets | 1.8446% | 854 |
| Return on Equity (ROE) | 16.7741% | 616 |
| Retained earnings to average equity (ytd only) | 12.2780% | 431 |
| Net charge-offs to loans | 0.0650% | 5,867 |
| Credit loss provision to net charge-offs | 192.3077% | 1,859 |
| Earnings coverage of net charge-offs (x) | 40.0636% | 685 |
| Efficiency ratio | 54.9637% | 6,689 |
| Assets per employee ($millions) | 4.5654% | 2,803 |
| Cash dividends to net income (ytd only)* | 26.8043% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 3,772 |
| Loan loss allowance to noncurrent loans | 136.4874% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 5,402 |
| Noncurrent loans to loans | 1.1283% | 4,980 |
| Net loans and leases to total assets | 73.7336% | 1,851 |
| Net loans and leases to deposits | 85.4953% | 2,438 |
| Net loans and leases to core deposits | 91.3160% | 2,903 |
| Total domestic deposits to total assets | 86.2428% | 2,953 |
| Equity capital to assets | 11.2120% | 2,765 |
| Core capital (leverage) ratio | 10.8294% | 2,389 |
| Tier 1 risk-based capital ratio | 14.2290% | 3,680 |
| Total risk-based capital ratio | 15.4840% | 3,640 |
| Memoranda: | ||
| Average total assets | $179,185,000 | 3,432 |
| Average earning assets | $168,152,250 | 3,356 |
| Average equity | $19,275,250 | 3,280 |
| Average total loans | $133,258,500 | 3,117 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 2,949 |
| Cost of funding earning assets | 1.4272% | 3,701 |
| Net interest margin | 3.9784% | 3,125 |
| Noninterest income to average assets | 0.5145% | 3,998 |
| Noninterest expense to average assets | 2.3107% | 6,326 |
| Loan and lease loss provision to assets | 0.1404% | 5,491 |
| Net operating income to assets | 1.7524% | 524 |
| Return on assets (ROA) | 1.7524% | 575 |
| Pretax return on assets | 1.7928% | 898 |
| Return on Equity (ROE) | 16.5295% | 627 |
| Retained earnings to average equity (ytd only) | 11.7614% | 523 |
| Net charge-offs to loans | 0.0742% | 5,404 |
| Credit loss provision to net charge-offs | 255.1020% | 1,498 |
| Earnings coverage of net charge-offs (x) | 35.1224% | 809 |
| Efficiency ratio | 54.4468% | 6,825 |
| Assets per employee ($millions) | 4.4736% | 2,919 |
| Cash dividends to net income (ytd only)* | 28.8462% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 3,457 |
| Loan loss allowance to noncurrent loans | 180.9037% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 5,859 |
| Noncurrent loans to loans | 0.8826% | 5,505 |
| Net loans and leases to total assets | 73.0866% | 2,149 |
| Net loans and leases to deposits | 84.7612% | 2,744 |
| Net loans and leases to core deposits | 89.5505% | 3,334 |
| Total domestic deposits to total assets | 86.2264% | 2,955 |
| Equity capital to assets | 10.9844% | 2,879 |
| Core capital (leverage) ratio | 10.4121% | 2,701 |
| Tier 1 risk-based capital ratio | 14.1379% | 3,642 |
| Total risk-based capital ratio | 15.3936% | 3,596 |
| Memoranda: | ||
| Average total assets | $178,041,000 | 3,469 |
| Average earning assets | $166,900,330 | 3,391 |
| Average equity | $18,875,330 | 3,317 |
| Average total loans | $132,092,670 | 3,164 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3854% | 3,106 |
| Cost of funding earning assets | 1.4473% | 3,895 |
| Net interest margin | 3.9381% | 3,159 |
| Noninterest income to average assets | 0.5045% | 4,018 |
| Noninterest expense to average assets | 2.3290% | 6,308 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8244% | 471 |
| Return on assets (ROA) | 1.8244% | 520 |
| Pretax return on assets | 1.8650% | 785 |
| Return on Equity (ROE) | 17.5277% | 556 |
| Retained earnings to average equity (ytd only) | 12.1179% | 727 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5317% | 6,833 |
| Assets per employee ($millions) | 4.4965% | 2,961 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,634 |
| Loan loss allowance to noncurrent loans | 184.8238% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 5,981 |
| Noncurrent loans to loans | 0.8418% | 5,631 |
| Net loans and leases to total assets | 71.9749% | 2,452 |
| Net loans and leases to deposits | 82.3845% | 3,216 |
| Net loans and leases to core deposits | 86.7451% | 3,797 |
| Total domestic deposits to total assets | 87.3646% | 2,427 |
| Equity capital to assets | 10.4798% | 3,265 |
| Core capital (leverage) ratio | 10.3673% | 2,747 |
| Tier 1 risk-based capital ratio | 13.7608% | 3,826 |
| Total risk-based capital ratio | 15.0160% | 3,776 |
| Memoranda: | ||
| Average total assets | $177,589,500 | 3,531 |
| Average earning assets | $166,376,000 | 3,457 |
| Average equity | $18,485,000 | 3,400 |
| Average total loans | $131,686,000 | 3,229 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7847% | 2,723 |
| Cost of funding earning assets | 1.7615% | 4,197 |
| Net interest margin | 4.0232% | 2,770 |
| Noninterest income to average assets | 0.4302% | 4,956 |
| Noninterest expense to average assets | 2.7639% | 5,111 |
| Loan and lease loss provision to assets | 0.2232% | 5,579 |
| Net operating income to assets | 1.1711% | 1,325 |
| Return on assets (ROA) | 1.1677% | 1,373 |
| Pretax return on assets | 1.2071% | 1,932 |
| Return on Equity (ROE) | 11.5192% | 1,283 |
| Retained earnings to average equity (ytd only) | 6.9436% | 977 |
| Net charge-offs to loans | 0.0054% | 7,173 |
| Credit loss provision to net charge-offs | 5,500.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 353.2857% | 82 |
| Efficiency ratio | 65.8425% | 5,423 |
| Assets per employee ($millions) | 4.3830% | 3,145 |
| Cash dividends to net income (ytd only)* | 39.7219% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 3,469 |
| Loan loss allowance to noncurrent loans | 272.8000% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 6,395 |
| Noncurrent loans to loans | 0.5687% | 6,103 |
| Net loans and leases to total assets | 74.0513% | 2,262 |
| Net loans and leases to deposits | 85.8013% | 2,948 |
| Net loans and leases to core deposits | 103.5989% | 3,610 |
| Total domestic deposits to total assets | 86.3055% | 2,868 |
| Equity capital to assets | 10.3360% | 3,360 |
| Core capital (leverage) ratio | 10.2516% | 2,825 |
| Tier 1 risk-based capital ratio | 13.5235% | 3,806 |
| Total risk-based capital ratio | 14.7785% | 3,748 |
| Memoranda: | ||
| Average total assets | $172,475,000 | 3,566 |
| Average earning assets | $161,513,400 | 3,489 |
| Average equity | $17,483,800 | 3,586 |
| Average total loans | $129,570,200 | 3,279 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8454% | 2,679 |
| Cost of funding earning assets | 1.8257% | 4,252 |
| Net interest margin | 4.0197% | 2,725 |
| Noninterest income to average assets | 0.4370% | 4,981 |
| Noninterest expense to average assets | 2.5336% | 5,959 |
| Loan and lease loss provision to assets | 0.2212% | 5,203 |
| Net operating income to assets | 1.4128% | 994 |
| Return on assets (ROA) | 1.4128% | 1,064 |
| Pretax return on assets | 1.4523% | 1,550 |
| Return on Equity (ROE) | 14.0068% | 929 |
| Retained earnings to average equity (ytd only) | 10.1588% | 609 |
| Net charge-offs to loans | 0.0093% | 6,820 |
| Credit loss provision to net charge-offs | 3,166.6667% | 128 |
| Earnings coverage of net charge-offs (x) | 239.5492% | 161 |
| Efficiency ratio | 60.2214% | 6,384 |
| Assets per employee ($millions) | 4.3526% | 3,118 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 3,494 |
| Loan loss allowance to noncurrent loans | 48,600.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 7,318 |
| Noncurrent loans to loans | 0.0031% | 7,531 |
| Net loans and leases to total assets | 73.8141% | 2,584 |
| Net loans and leases to deposits | 85.7841% | 3,360 |
| Net loans and leases to core deposits | 104.3633% | 3,889 |
| Total domestic deposits to total assets | 86.0464% | 2,687 |
| Equity capital to assets | 10.5971% | 3,405 |
| Core capital (leverage) ratio | 10.2498% | 3,016 |
| Tier 1 risk-based capital ratio | 13.7534% | 3,682 |
| Total risk-based capital ratio | 15.0076% | 3,634 |
| Memoranda: | ||
| Average total assets | $171,764,000 | 3,598 |
| Average earning assets | $161,102,000 | 3,529 |
| Average equity | $17,324,500 | 3,643 |
| Average total loans | $128,994,750 | 3,322 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8496% | 2,805 |
| Cost of funding earning assets | 1.8996% | 4,267 |
| Net interest margin | 3.9500% | 2,888 |
| Noninterest income to average assets | 0.3883% | 5,391 |
| Noninterest expense to average assets | 2.5710% | 5,854 |
| Loan and lease loss provision to assets | 0.3334% | 3,939 |
| Net operating income to assets | 1.1510% | 1,611 |
| Return on assets (ROA) | 1.1510% | 1,694 |
| Pretax return on assets | 1.1908% | 2,327 |
| Return on Equity (ROE) | 11.6111% | 1,532 |
| Retained earnings to average equity (ytd only) | 8.0711% | 1,187 |
| Net charge-offs to loans | 0.0171% | 6,285 |
| Credit loss provision to net charge-offs | 2,590.9091% | 199 |
| Earnings coverage of net charge-offs (x) | 118.4545% | 324 |
| Efficiency ratio | 62.7821% | 6,124 |
| Assets per employee ($millions) | 4.3088% | 3,100 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 3,129 |
| Loan loss allowance to noncurrent loans | 194,200.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 7,350 |
| Noncurrent loans to loans | 0.0008% | 7,579 |
| Net loans and leases to total assets | 73.4781% | 2,849 |
| Net loans and leases to deposits | 85.2532% | 3,690 |
| Net loans and leases to core deposits | 104.6507% | 3,994 |
| Total domestic deposits to total assets | 86.1881% | 2,685 |
| Equity capital to assets | 10.0248% | 3,907 |
| Core capital (leverage) ratio | 9.8217% | 3,488 |
| Tier 1 risk-based capital ratio | 13.4576% | 3,835 |
| Total risk-based capital ratio | 14.7117% | 3,776 |
| Memoranda: | ||
| Average total assets | $170,983,670 | 3,618 |
| Average earning assets | $160,455,670 | 3,555 |
| Average equity | $16,949,330 | 3,722 |
| Average total loans | $128,507,000 | 3,365 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9006% | 2,793 |
| Cost of funding earning assets | 1.9627% | 4,320 |
| Net interest margin | 3.9379% | 2,894 |
| Noninterest income to average assets | 0.5050% | 4,286 |
| Noninterest expense to average assets | 2.5461% | 5,663 |
| Loan and lease loss provision to assets | 0.3171% | 3,435 |
| Net operating income to assets | 1.2942% | 1,396 |
| Return on assets (ROA) | 1.2942% | 1,490 |
| Pretax return on assets | 1.3318% | 2,170 |
| Return on Equity (ROE) | 13.1308% | 1,357 |
| Retained earnings to average equity (ytd only) | 10.7477% | 1,021 |
| Net charge-offs to loans | 0.0342% | 5,036 |
| Credit loss provision to net charge-offs | 1,227.2727% | 516 |
| Earnings coverage of net charge-offs (x) | 63.8182% | 621 |
| Efficiency ratio | 60.6943% | 6,292 |
| Assets per employee ($millions) | 4.3292% | 3,013 |
| Cash dividends to net income (ytd only)* | 18.1488% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 3,511 |
| Loan loss allowance to noncurrent loans | 29,866.6667% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 6,274 |
| Noncurrent loans to loans | 0.0047% | 7,567 |
| Net loans and leases to total assets | 72.9592% | 3,012 |
| Net loans and leases to deposits | 83.8590% | 4,009 |
| Net loans and leases to core deposits | 104.5047% | 4,081 |
| Total domestic deposits to total assets | 87.0022% | 2,216 |
| Equity capital to assets | 9.8609% | 4,169 |
| Core capital (leverage) ratio | 9.8878% | 3,531 |
| Tier 1 risk-based capital ratio | 13.0994% | 4,122 |
| Total risk-based capital ratio | 14.3524% | 4,030 |
| Memoranda: | ||
| Average total assets | $170,299,500 | 3,644 |
| Average earning assets | $159,577,500 | 3,579 |
| Average equity | $16,785,000 | 3,774 |
| Average total loans | $128,469,000 | 3,401 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2834% | 4,055 |
| Cost of funding earning assets | 2.5410% | 3,998 |
| Net interest margin | 3.7425% | 4,259 |
| Noninterest income to average assets | 0.5671% | 4,100 |
| Noninterest expense to average assets | 2.6967% | 5,279 |
| Loan and lease loss provision to assets | 0.2750% | 4,195 |
| Net operating income to assets | 1.0349% | 2,417 |
| Return on assets (ROA) | 0.9857% | 2,488 |
| Pretax return on assets | 1.0254% | 3,286 |
| Return on Equity (ROE) | 10.0467% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.1124% | 586 |
| Net charge-offs to loans | 0.0547% | 6,004 |
| Credit loss provision to net charge-offs | 671.6418% | 637 |
| Earnings coverage of net charge-offs (x) | 33.0149% | 1,093 |
| Efficiency ratio | 66.6113% | 4,998 |
| Assets per employee ($millions) | 4.1858% | 3,147 |
| Cash dividends to net income (ytd only)* | 9.2994% | 4,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 3,819 |
| Loan loss allowance to noncurrent loans | 998.8024% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 5,947 |
| Noncurrent loans to loans | 0.1297% | 7,027 |
| Net loans and leases to total assets | 75.9334% | 2,642 |
| Net loans and leases to deposits | 89.2640% | 3,585 |
| Net loans and leases to core deposits | 113.6208% | 3,380 |
| Total domestic deposits to total assets | 85.0661% | 2,810 |
| Equity capital to assets | 9.8512% | 4,221 |
| Core capital (leverage) ratio | 9.9486% | 3,495 |
| Tier 1 risk-based capital ratio | 12.8070% | 4,214 |
| Total risk-based capital ratio | 14.0585% | 4,144 |
| Memoranda: | ||
| Average total assets | $163,645,200 | 3,651 |
| Average earning assets | $152,226,000 | 3,610 |
| Average equity | $16,055,000 | 3,919 |
| Average total loans | $122,424,400 | 3,414 |