Home > Community National Bank & Trust of Texas > Performance and Condition Ratios
Community National Bank & Trust of Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 1,073 |
| Cost of funding earning assets | 1.4628% | 2,040 |
| Net interest margin | 4.1087% | 1,061 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.6752% | 1,808 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3734% | 1,265 |
| Return on assets (ROA) | 1.3742% | 1,238 |
| Pretax return on assets | 1.7217% | 1,016 |
| Return on Equity (ROE) | 12.7200% | 1,796 |
| Retained earnings to average equity (ytd only) | 9.5039% | 1,132 |
| Net charge-offs to loans | 0.0026% | 2,702 |
| Credit loss provision to net charge-offs | 3,750.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 983.5000% | 158 |
| Efficiency ratio | 59.1362% | 3,172 |
| Assets per employee ($millions) | 6.4124% | 2,471 |
| Cash dividends to net income (ytd only)* | 25.2692% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,340 |
| Loan loss allowance to noncurrent loans | 3,095.6140% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,490 |
| Noncurrent loans to loans | 0.0385% | 3,448 |
| Net loans and leases to total assets | 71.2200% | 1,671 |
| Net loans and leases to deposits | 85.0992% | 1,683 |
| Net loans and leases to core deposits | 90.5238% | 2,014 |
| Total domestic deposits to total assets | 83.6900% | 2,709 |
| Equity capital to assets | 11.3990% | 1,329 |
| Core capital (leverage) ratio | 11.8710% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8282% | 1,311 |
| Memoranda: | ||
| Average total assets | $1,209,510,000 | 848 |
| Average earning assets | $1,085,397,800 | 853 |
| Average equity | $130,694,200 | 759 |
| Average total loans | $855,010,000 | 824 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4143% | 1,114 |
| Cost of funding earning assets | 1.3243% | 2,078 |
| Net interest margin | 4.0900% | 1,084 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.6447% | 1,814 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.4104% | 1,295 |
| Return on assets (ROA) | 1.4104% | 1,280 |
| Pretax return on assets | 1.7637% | 1,055 |
| Return on Equity (ROE) | 13.2400% | 1,855 |
| Retained earnings to average equity (ytd only) | 8.8729% | 1,721 |
| Net charge-offs to loans | 0.0031% | 2,410 |
| Credit loss provision to net charge-offs | 3,000.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 826.4000% | 192 |
| Efficiency ratio | 58.1362% | 3,191 |
| Assets per employee ($millions) | 6.4142% | 2,385 |
| Cash dividends to net income (ytd only)* | 32.9748% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,382 |
| Loan loss allowance to noncurrent loans | 6,601.2739% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,718 |
| Noncurrent loans to loans | 0.0181% | 3,645 |
| Net loans and leases to total assets | 69.8100% | 1,850 |
| Net loans and leases to deposits | 82.6950% | 1,852 |
| Net loans and leases to core deposits | 87.3253% | 2,106 |
| Total domestic deposits to total assets | 84.4200% | 2,661 |
| Equity capital to assets | 10.6450% | 1,488 |
| Core capital (leverage) ratio | 11.7134% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3363% | 1,236 |
| Memoranda: | ||
| Average total assets | $1,204,094,000 | 859 |
| Average earning assets | $1,078,579,000 | 865 |
| Average equity | $128,282,250 | 771 |
| Average total loans | $846,894,500 | 826 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 1,143 |
| Cost of funding earning assets | 1.1629% | 2,099 |
| Net interest margin | 4.0902% | 1,096 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.6309% | 1,846 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4619% | 1,185 |
| Return on assets (ROA) | 1.4619% | 1,172 |
| Pretax return on assets | 1.8321% | 956 |
| Return on Equity (ROE) | 13.7200% | 1,740 |
| Retained earnings to average equity (ytd only) | 7.4468% | 2,150 |
| Net charge-offs to loans | 0.0050% | 2,093 |
| Credit loss provision to net charge-offs | 2,142.8571% | 245 |
| Earnings coverage of net charge-offs (x) | 543.6190% | 270 |
| Efficiency ratio | 57.0151% | 3,304 |
| Assets per employee ($millions) | 6.4273% | 2,357 |
| Cash dividends to net income (ytd only)* | 45.7143% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,458 |
| Loan loss allowance to noncurrent loans | 6,464.5570% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,714 |
| Noncurrent loans to loans | 0.0185% | 3,629 |
| Net loans and leases to total assets | 69.7500% | 1,776 |
| Net loans and leases to deposits | 82.8108% | 1,775 |
| Net loans and leases to core deposits | 85.3269% | 2,122 |
| Total domestic deposits to total assets | 84.2300% | 2,771 |
| Equity capital to assets | 10.7561% | 1,485 |
| Core capital (leverage) ratio | 11.5692% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4464% | 1,441 |
| Memoranda: | ||
| Average total assets | $1,197,085,667 | 854 |
| Average earning assets | $1,071,979,000 | 859 |
| Average equity | $127,571,667 | 766 |
| Average total loans | $840,653,333 | 820 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 1,167 |
| Cost of funding earning assets | 0.9434% | 2,239 |
| Net interest margin | 4.0905% | 1,111 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 2.6811% | 1,721 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.6138% | 956 |
| Return on assets (ROA) | 1.6138% | 958 |
| Pretax return on assets | 2.0207% | 746 |
| Return on Equity (ROE) | 15.2200% | 1,516 |
| Retained earnings to average equity (ytd only) | 2.5543% | 3,592 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.2073% | 3,487 |
| Assets per employee ($millions) | 6.3776% | 2,428 |
| Cash dividends to net income (ytd only)* | 83.2120% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 2,647 |
| Loan loss allowance to noncurrent loans | 5,994.0120% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,713 |
| Noncurrent loans to loans | 0.0197% | 3,639 |
| Net loans and leases to total assets | 70.1100% | 1,620 |
| Net loans and leases to deposits | 83.2033% | 1,553 |
| Net loans and leases to core deposits | 85.7794% | 1,878 |
| Total domestic deposits to total assets | 84.2600% | 3,041 |
| Equity capital to assets | 10.7022% | 1,454 |
| Core capital (leverage) ratio | 11.3751% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2244% | 1,564 |
| Memoranda: | ||
| Average total assets | $1,191,466,000 | 870 |
| Average earning assets | $1,068,046,500 | 881 |
| Average equity | $126,373,000 | 782 |
| Average total loans | $834,451,500 | 839 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 690 |
| Cost of funding earning assets | 0.2778% | 3,063 |
| Net interest margin | 4.2471% | 471 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.6295% | 1,736 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.3754% | 1,195 |
| Return on assets (ROA) | 1.3758% | 1,149 |
| Pretax return on assets | 1.7258% | 869 |
| Return on Equity (ROE) | 12.7800% | 1,884 |
| Retained earnings to average equity (ytd only) | 9.9901% | 1,152 |
| Net charge-offs to loans | -0.0037% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.1395% | 3,452 |
| Assets per employee ($millions) | 6.3996% | 2,419 |
| Cash dividends to net income (ytd only)* | 21.8014% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,153 |
| Loan loss allowance to noncurrent loans | 6,948.6486% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,757 |
| Noncurrent loans to loans | 0.0180% | 3,702 |
| Net loans and leases to total assets | 68.2600% | 1,803 |
| Net loans and leases to deposits | 77.6689% | 1,979 |
| Net loans and leases to core deposits | 79.2396% | 2,182 |
| Total domestic deposits to total assets | 87.8800% | 2,112 |
| Equity capital to assets | 10.5106% | 1,446 |
| Core capital (leverage) ratio | 11.4716% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4042% | 1,511 |
| Memoranda: | ||
| Average total assets | $1,116,872,200 | 889 |
| Average earning assets | $990,238,800 | 916 |
| Average equity | $120,279,600 | 815 |
| Average total loans | $730,723,600 | 872 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 687 |
| Cost of funding earning assets | 0.2059% | 3,204 |
| Net interest margin | 4.1202% | 495 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.6025% | 1,708 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.3625% | 1,188 |
| Return on assets (ROA) | 1.3625% | 1,158 |
| Pretax return on assets | 1.7105% | 882 |
| Return on Equity (ROE) | 12.5700% | 1,847 |
| Retained earnings to average equity (ytd only) | 8.8191% | 1,720 |
| Net charge-offs to loans | -0.0053% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.5034% | 3,443 |
| Assets per employee ($millions) | 6.2151% | 2,562 |
| Cash dividends to net income (ytd only)* | 29.8414% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,266 |
| Loan loss allowance to noncurrent loans | 5,870.3704% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,830 |
| Noncurrent loans to loans | 0.0213% | 3,756 |
| Net loans and leases to total assets | 64.7000% | 2,014 |
| Net loans and leases to deposits | 73.8849% | 2,064 |
| Net loans and leases to core deposits | 79.0819% | 1,965 |
| Total domestic deposits to total assets | 87.5700% | 2,569 |
| Equity capital to assets | 10.6972% | 1,291 |
| Core capital (leverage) ratio | 11.7396% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4479% | 1,300 |
| Memoranda: | ||
| Average total assets | $1,098,510,000 | 906 |
| Average earning assets | $972,556,000 | 935 |
| Average equity | $119,072,000 | 838 |
| Average total loans | $707,710,500 | 891 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 576 |
| Cost of funding earning assets | 0.1395% | 3,715 |
| Net interest margin | 4.1017% | 399 |
| Noninterest income to average assets | 0.7885% | 1,076 |
| Noninterest expense to average assets | 2.5882% | 1,672 |
| Loan and lease loss provision to assets | 0.0325% | 2,004 |
| Net operating income to assets | 1.4371% | 818 |
| Return on assets (ROA) | 1.4371% | 803 |
| Pretax return on assets | 1.7971% | 603 |
| Return on Equity (ROE) | 13.1963% | 1,327 |
| Retained earnings to average equity (ytd only) | 7.4854% | 1,818 |
| Net charge-offs to loans | -0.0012% | 3,056 |
| Credit loss provision to net charge-offs | -4,375.0000% | 3,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4929% | 3,626 |
| Assets per employee ($millions) | 6.0823% | 2,671 |
| Cash dividends to net income (ytd only)* | 43.2761% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,770 |
| Loan loss allowance to noncurrent loans | 4,229.5567% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,830 |
| Noncurrent loans to loans | 0.0280% | 3,748 |
| Net loans and leases to total assets | 64.6911% | 1,835 |
| Net loans and leases to deposits | 74.2107% | 1,847 |
| Net loans and leases to core deposits | 75.6846% | 2,045 |
| Total domestic deposits to total assets | 87.1723% | 2,878 |
| Equity capital to assets | 10.1708% | 1,613 |
| Core capital (leverage) ratio | 10.2665% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6773% | 1,810 |
| Memoranda: | ||
| Average total assets | $1,077,273,333 | 917 |
| Average earning assets | $953,225,000 | 954 |
| Average equity | $117,321,000 | 856 |
| Average total loans | $689,787,333 | 903 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 553 |
| Cost of funding earning assets | 0.1133% | 3,969 |
| Net interest margin | 4.0561% | 372 |
| Noninterest income to average assets | 0.8019% | 1,041 |
| Noninterest expense to average assets | 2.5850% | 1,651 |
| Loan and lease loss provision to assets | 0.0282% | 1,857 |
| Net operating income to assets | 1.4066% | 785 |
| Return on assets (ROA) | 1.4066% | 780 |
| Pretax return on assets | 1.7598% | 607 |
| Return on Equity (ROE) | 12.4858% | 1,167 |
| Retained earnings to average equity (ytd only) | 1.2900% | 3,752 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9940% | 3,684 |
| Assets per employee ($millions) | 6.0364% | 2,773 |
| Cash dividends to net income (ytd only)* | 89.6681% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,590 |
| Loan loss allowance to noncurrent loans | 3,982.1596% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,859 |
| Noncurrent loans to loans | 0.0314% | 3,762 |
| Net loans and leases to total assets | 61.2187% | 1,942 |
| Net loans and leases to deposits | 70.5345% | 1,911 |
| Net loans and leases to core deposits | 71.9736% | 2,116 |
| Total domestic deposits to total assets | 86.7926% | 3,001 |
| Equity capital to assets | 10.5563% | 1,571 |
| Core capital (leverage) ratio | 10.6164% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4232% | 1,665 |
| Memoranda: | ||
| Average total assets | $1,062,421,500 | 930 |
| Average earning assets | $935,373,000 | 977 |
| Average equity | $119,687,500 | 862 |
| Average total loans | $672,330,000 | 913 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 896 |
| Cost of funding earning assets | 0.1680% | 3,793 |
| Net interest margin | 4.0976% | 600 |
| Noninterest income to average assets | 0.9390% | 1,117 |
| Noninterest expense to average assets | 2.7665% | 1,438 |
| Loan and lease loss provision to assets | 0.0309% | 2,437 |
| Net operating income to assets | 1.3972% | 1,287 |
| Return on assets (ROA) | 1.3972% | 1,342 |
| Pretax return on assets | 1.7419% | 1,040 |
| Return on Equity (ROE) | 13.1904% | 1,401 |
| Retained earnings to average equity (ytd only) | 10.0318% | 912 |
| Net charge-offs to loans | 0.0027% | 2,527 |
| Credit loss provision to net charge-offs | 1,875.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 1,076.3125% | 133 |
| Efficiency ratio | 59.7655% | 3,188 |
| Assets per employee ($millions) | 5.7030% | 3,051 |
| Cash dividends to net income (ytd only)* | 23.9464% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,569 |
| Loan loss allowance to noncurrent loans | 3,838.8128% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,920 |
| Noncurrent loans to loans | 0.0328% | 3,839 |
| Net loans and leases to total assets | 63.8314% | 1,724 |
| Net loans and leases to deposits | 74.9669% | 1,645 |
| Net loans and leases to core deposits | 76.5598% | 1,872 |
| Total domestic deposits to total assets | 85.1461% | 3,222 |
| Equity capital to assets | 12.0163% | 1,246 |
| Core capital (leverage) ratio | 10.7666% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6165% | 1,646 |
| Memoranda: | ||
| Average total assets | $971,386,600 | 980 |
| Average earning assets | $853,492,000 | 1,030 |
| Average equity | $102,892,800 | 991 |
| Average total loans | $594,855,000 | 1,022 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 902 |
| Cost of funding earning assets | 0.1876% | 3,736 |
| Net interest margin | 4.1504% | 597 |
| Noninterest income to average assets | 0.9065% | 1,241 |
| Noninterest expense to average assets | 2.7612% | 1,431 |
| Loan and lease loss provision to assets | 0.0314% | 2,368 |
| Net operating income to assets | 1.4056% | 1,520 |
| Return on assets (ROA) | 1.4056% | 1,579 |
| Pretax return on assets | 1.7543% | 1,269 |
| Return on Equity (ROE) | 13.7692% | 1,458 |
| Retained earnings to average equity (ytd only) | 9.3297% | 1,565 |
| Net charge-offs to loans | 0.0039% | 2,203 |
| Credit loss provision to net charge-offs | 1,323.5294% | 439 |
| Earnings coverage of net charge-offs (x) | 753.2941% | 212 |
| Efficiency ratio | 59.5314% | 3,063 |
| Assets per employee ($millions) | 5.3678% | 3,329 |
| Cash dividends to net income (ytd only)* | 32.2421% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 1,887 |
| Loan loss allowance to noncurrent loans | 3,545.1064% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 3,985 |
| Noncurrent loans to loans | 0.0404% | 3,924 |
| Net loans and leases to total assets | 58.0985% | 2,479 |
| Net loans and leases to deposits | 67.1316% | 2,527 |
| Net loans and leases to core deposits | 68.7384% | 2,712 |
| Total domestic deposits to total assets | 86.5442% | 2,536 |
| Equity capital to assets | 10.2643% | 2,645 |
| Core capital (leverage) ratio | 8.9266% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0279% | 2,352 |
| Memoranda: | ||
| Average total assets | $956,170,250 | 1,005 |
| Average earning assets | $838,675,250 | 1,056 |
| Average equity | $97,606,500 | 1,048 |
| Average total loans | $576,741,750 | 1,067 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 1,007 |
| Cost of funding earning assets | 0.2003% | 3,741 |
| Net interest margin | 4.1012% | 691 |
| Noninterest income to average assets | 0.9119% | 1,239 |
| Noninterest expense to average assets | 2.7018% | 1,590 |
| Loan and lease loss provision to assets | 0.0317% | 2,346 |
| Net operating income to assets | 1.4238% | 1,505 |
| Return on assets (ROA) | 1.4238% | 1,572 |
| Pretax return on assets | 1.7687% | 1,307 |
| Return on Equity (ROE) | 13.9741% | 1,419 |
| Retained earnings to average equity (ytd only) | 7.2279% | 2,350 |
| Net charge-offs to loans | -0.0010% | 3,094 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7890% | 3,177 |
| Assets per employee ($millions) | 5.3180% | 3,335 |
| Cash dividends to net income (ytd only)* | 48.2769% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,856 |
| Loan loss allowance to noncurrent loans | 2,687.0130% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,038 |
| Noncurrent loans to loans | 0.0532% | 3,910 |
| Net loans and leases to total assets | 58.9932% | 2,543 |
| Net loans and leases to deposits | 68.1670% | 2,599 |
| Net loans and leases to core deposits | 69.8747% | 2,797 |
| Total domestic deposits to total assets | 86.5421% | 2,532 |
| Equity capital to assets | 10.1662% | 2,709 |
| Core capital (leverage) ratio | 8.7068% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8839% | 2,007 |
| Memoranda: | ||
| Average total assets | $945,668,333 | 1,010 |
| Average earning assets | $827,852,000 | 1,060 |
| Average equity | $96,349,333 | 1,051 |
| Average total loans | $574,937,000 | 1,075 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 1,262 |
| Cost of funding earning assets | 0.2100% | 3,829 |
| Net interest margin | 3.9553% | 904 |
| Noninterest income to average assets | 0.8770% | 1,389 |
| Noninterest expense to average assets | 2.6755% | 1,679 |
| Loan and lease loss provision to assets | 0.0321% | 2,347 |
| Net operating income to assets | 1.3037% | 1,812 |
| Return on assets (ROA) | 1.3037% | 1,895 |
| Pretax return on assets | 1.6440% | 1,616 |
| Return on Equity (ROE) | 12.7815% | 1,737 |
| Retained earnings to average equity (ytd only) | -0.8560% | 4,447 |
| Net charge-offs to loans | -0.0007% | 3,025 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2046% | 3,008 |
| Assets per employee ($millions) | 5.4873% | 3,131 |
| Cash dividends to net income (ytd only)* | 106.6973% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 1,881 |
| Loan loss allowance to noncurrent loans | 2,671.0098% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,131 |
| Noncurrent loans to loans | 0.0531% | 4,023 |
| Net loans and leases to total assets | 60.4161% | 2,485 |
| Net loans and leases to deposits | 69.8016% | 2,525 |
| Net loans and leases to core deposits | 71.6599% | 2,730 |
| Total domestic deposits to total assets | 86.5540% | 2,501 |
| Equity capital to assets | 9.9771% | 2,728 |
| Core capital (leverage) ratio | 8.7887% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2633% | 2,573 |
| Memoranda: | ||
| Average total assets | $934,562,000 | 1,007 |
| Average earning assets | $820,984,000 | 1,054 |
| Average equity | $95,325,500 | 1,050 |
| Average total loans | $572,775,500 | 1,080 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 853 |
| Cost of funding earning assets | 0.3309% | 3,971 |
| Net interest margin | 4.3916% | 413 |
| Noninterest income to average assets | 0.8652% | 1,364 |
| Noninterest expense to average assets | 2.9167% | 1,640 |
| Loan and lease loss provision to assets | 0.1861% | 2,092 |
| Net operating income to assets | 1.2975% | 1,257 |
| Return on assets (ROA) | 1.3239% | 1,289 |
| Pretax return on assets | 1.6570% | 936 |
| Return on Equity (ROE) | 11.9726% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.1856% | 3,235 |
| Net charge-offs to loans | 0.0044% | 3,201 |
| Credit loss provision to net charge-offs | 6,360.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 618.5600% | 193 |
| Efficiency ratio | 60.4160% | 3,395 |
| Assets per employee ($millions) | 4.6733% | 3,739 |
| Cash dividends to net income (ytd only)* | 73.3929% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,843 |
| Loan loss allowance to noncurrent loans | 3,262.2490% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 4,239 |
| Noncurrent loans to loans | 0.0439% | 4,123 |
| Net loans and leases to total assets | 60.4136% | 2,806 |
| Net loans and leases to deposits | 70.3596% | 2,842 |
| Net loans and leases to core deposits | 71.9748% | 3,074 |
| Total domestic deposits to total assets | 85.8640% | 2,423 |
| Equity capital to assets | 10.4273% | 2,732 |
| Core capital (leverage) ratio | 8.7572% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8424% | 2,303 |
| Memoranda: | ||
| Average total assets | $854,248,800 | 1,004 |
| Average earning assets | $751,190,200 | 1,048 |
| Average equity | $94,457,400 | 1,012 |
| Average total loans | $566,006,200 | 1,035 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 856 |
| Cost of funding earning assets | 0.3587% | 4,007 |
| Net interest margin | 4.4610% | 418 |
| Noninterest income to average assets | 0.8646% | 1,318 |
| Noninterest expense to average assets | 2.8874% | 1,733 |
| Loan and lease loss provision to assets | 0.1937% | 2,040 |
| Net operating income to assets | 1.3665% | 1,183 |
| Return on assets (ROA) | 1.4023% | 1,192 |
| Pretax return on assets | 1.7495% | 871 |
| Return on Equity (ROE) | 12.4857% | 1,251 |
| Retained earnings to average equity (ytd only) | 0.7067% | 4,337 |
| Net charge-offs to loans | 0.0061% | 2,918 |
| Credit loss provision to net charge-offs | 4,673.0769% | 240 |
| Earnings coverage of net charge-offs (x) | 458.0769% | 249 |
| Efficiency ratio | 59.0341% | 3,515 |
| Assets per employee ($millions) | 5.0062% | 3,246 |
| Cash dividends to net income (ytd only)* | 94.3396% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 2,142 |
| Loan loss allowance to noncurrent loans | 728.1955% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 3,839 |
| Noncurrent loans to loans | 0.1789% | 3,667 |
| Net loans and leases to total assets | 65.1312% | 2,628 |
| Net loans and leases to deposits | 76.0664% | 2,748 |
| Net loans and leases to core deposits | 77.9713% | 3,011 |
| Total domestic deposits to total assets | 85.6241% | 2,213 |
| Equity capital to assets | 10.4240% | 2,855 |
| Core capital (leverage) ratio | 8.6895% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7555% | 2,703 |
| Memoranda: | ||
| Average total assets | $836,481,750 | 1,009 |
| Average earning assets | $735,271,750 | 1,047 |
| Average equity | $93,950,250 | 1,007 |
| Average total loans | $565,722,750 | 1,031 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 997 |
| Cost of funding earning assets | 0.3937% | 4,060 |
| Net interest margin | 4.4942% | 512 |
| Noninterest income to average assets | 0.8352% | 1,329 |
| Noninterest expense to average assets | 2.9251% | 1,772 |
| Loan and lease loss provision to assets | 0.1632% | 2,369 |
| Net operating income to assets | 1.3605% | 1,206 |
| Return on assets (ROA) | 1.3623% | 1,289 |
| Pretax return on assets | 1.6990% | 1,004 |
| Return on Equity (ROE) | 11.8161% | 1,378 |
| Retained earnings to average equity (ytd only) | 5.0045% | 2,470 |
| Net charge-offs to loans | 0.0133% | 2,490 |
| Credit loss provision to net charge-offs | 1,797.2973% | 530 |
| Earnings coverage of net charge-offs (x) | 204.8378% | 436 |
| Efficiency ratio | 59.7959% | 3,436 |
| Assets per employee ($millions) | 4.9992% | 3,175 |
| Cash dividends to net income (ytd only)* | 57.6473% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,510 |
| Loan loss allowance to noncurrent loans | 277.2377% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 3,136 |
| Noncurrent loans to loans | 0.4332% | 2,865 |
| Net loans and leases to total assets | 64.6127% | 2,805 |
| Net loans and leases to deposits | 75.5435% | 2,919 |
| Net loans and leases to core deposits | 77.3548% | 3,166 |
| Total domestic deposits to total assets | 85.5304% | 2,187 |
| Equity capital to assets | 10.5203% | 2,732 |
| Core capital (leverage) ratio | 9.1225% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6083% | 2,769 |
| Memoranda: | ||
| Average total assets | $814,937,667 | 1,015 |
| Average earning assets | $716,263,667 | 1,050 |
| Average equity | $93,956,333 | 997 |
| Average total loans | $556,079,000 | 1,029 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 720 |
| Cost of funding earning assets | 0.4528% | 4,143 |
| Net interest margin | 4.6976% | 330 |
| Noninterest income to average assets | 0.8968% | 1,074 |
| Noninterest expense to average assets | 3.1065% | 1,623 |
| Loan and lease loss provision to assets | 0.1124% | 2,277 |
| Net operating income to assets | 1.4243% | 936 |
| Return on assets (ROA) | 1.4280% | 998 |
| Pretax return on assets | 1.7778% | 735 |
| Return on Equity (ROE) | 11.7701% | 1,170 |
| Retained earnings to average equity (ytd only) | -2.0213% | 4,256 |
| Net charge-offs to loans | 0.0067% | 2,335 |
| Credit loss provision to net charge-offs | 2,388.8889% | 306 |
| Earnings coverage of net charge-offs (x) | 400.6667% | 171 |
| Efficiency ratio | 60.8673% | 3,633 |
| Assets per employee ($millions) | 4.4162% | 3,387 |
| Cash dividends to net income (ytd only)* | 117.1732% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,341 |
| Loan loss allowance to noncurrent loans | 219.1772% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 2,820 |
| Noncurrent loans to loans | 0.5748% | 2,560 |
| Net loans and leases to total assets | 67.4634% | 2,621 |
| Net loans and leases to deposits | 81.9979% | 2,456 |
| Net loans and leases to core deposits | 84.6962% | 2,786 |
| Total domestic deposits to total assets | 82.2745% | 3,337 |
| Equity capital to assets | 11.8377% | 2,188 |
| Core capital (leverage) ratio | 10.2736% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7898% | 2,365 |
| Memoranda: | ||
| Average total assets | $764,977,500 | 1,037 |
| Average earning assets | $666,893,500 | 1,081 |
| Average equity | $92,811,500 | 1,001 |
| Average total loans | $534,968,500 | 1,037 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 820 |
| Cost of funding earning assets | 0.4714% | 4,201 |
| Net interest margin | 4.8258% | 378 |
| Noninterest income to average assets | 0.9265% | 1,127 |
| Noninterest expense to average assets | 3.1695% | 1,593 |
| Loan and lease loss provision to assets | 0.1219% | 1,736 |
| Net operating income to assets | 1.4749% | 1,114 |
| Return on assets (ROA) | 1.4895% | 1,140 |
| Pretax return on assets | 1.8496% | 840 |
| Return on Equity (ROE) | 12.6194% | 1,293 |
| Retained earnings to average equity (ytd only) | 9.1765% | 669 |
| Net charge-offs to loans | 0.0014% | 3,671 |
| Credit loss provision to net charge-offs | 12,857.1429% | 33 |
| Earnings coverage of net charge-offs (x) | 2,060.1429% | 31 |
| Efficiency ratio | 60.4934% | 3,622 |
| Assets per employee ($millions) | 4.0872% | 3,794 |
| Cash dividends to net income (ytd only)* | 27.2826% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 2,284 |
| Loan loss allowance to noncurrent loans | 523.4637% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 3,722 |
| Noncurrent loans to loans | 0.2352% | 3,605 |
| Net loans and leases to total assets | 70.7506% | 2,283 |
| Net loans and leases to deposits | 83.0329% | 2,436 |
| Net loans and leases to core deposits | 86.0820% | 2,787 |
| Total domestic deposits to total assets | 85.2080% | 2,417 |
| Equity capital to assets | 12.4442% | 1,850 |
| Core capital (leverage) ratio | 10.2726% | 3,217 |
| Tier 1 risk-based capital ratio | 12.9014% | 3,841 |
| Total risk-based capital ratio | 14.0233% | 3,802 |
| Memoranda: | ||
| Average total assets | $738,228,400 | 1,032 |
| Average earning assets | $641,940,000 | 1,077 |
| Average equity | $87,136,000 | 1,012 |
| Average total loans | $509,006,600 | 1,064 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2514% | 946 |
| Cost of funding earning assets | 0.4705% | 4,260 |
| Net interest margin | 4.7809% | 431 |
| Noninterest income to average assets | 0.9118% | 1,119 |
| Noninterest expense to average assets | 3.0948% | 1,725 |
| Loan and lease loss provision to assets | 0.1221% | 1,601 |
| Net operating income to assets | 1.4966% | 1,194 |
| Return on assets (ROA) | 1.5168% | 1,200 |
| Pretax return on assets | 1.8843% | 898 |
| Return on Equity (ROE) | 13.0287% | 1,269 |
| Retained earnings to average equity (ytd only) | 8.3656% | 1,261 |
| Net charge-offs to loans | 0.0016% | 3,393 |
| Credit loss provision to net charge-offs | 11,250.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,824.7875% | 39 |
| Efficiency ratio | 59.5786% | 3,713 |
| Assets per employee ($millions) | 4.0573% | 3,827 |
| Cash dividends to net income (ytd only)* | 35.7910% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 2,533 |
| Loan loss allowance to noncurrent loans | 4,590.5797% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 3,738 |
| Noncurrent loans to loans | 0.0261% | 4,559 |
| Net loans and leases to total assets | 70.0819% | 2,456 |
| Net loans and leases to deposits | 82.1388% | 2,669 |
| Net loans and leases to core deposits | 84.7501% | 3,017 |
| Total domestic deposits to total assets | 85.3214% | 2,288 |
| Equity capital to assets | 12.0469% | 2,224 |
| Core capital (leverage) ratio | 10.0767% | 3,556 |
| Tier 1 risk-based capital ratio | 12.6106% | 4,077 |
| Total risk-based capital ratio | 13.7098% | 4,050 |
| Memoranda: | ||
| Average total assets | $736,819,000 | 1,036 |
| Average earning assets | $641,791,250 | 1,077 |
| Average equity | $85,778,000 | 1,019 |
| Average total loans | $503,046,000 | 1,072 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1961% | 987 |
| Cost of funding earning assets | 0.4626% | 4,272 |
| Net interest margin | 4.7336% | 460 |
| Noninterest income to average assets | 0.9161% | 1,049 |
| Noninterest expense to average assets | 3.0320% | 1,909 |
| Loan and lease loss provision to assets | 0.1227% | 1,525 |
| Net operating income to assets | 1.5045% | 1,139 |
| Return on assets (ROA) | 1.5189% | 1,143 |
| Pretax return on assets | 1.9000% | 836 |
| Return on Equity (ROE) | 13.2026% | 1,180 |
| Retained earnings to average equity (ytd only) | 6.0930% | 2,240 |
| Net charge-offs to loans | 0.0012% | 3,139 |
| Credit loss provision to net charge-offs | 15,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,451.0000% | 20 |
| Efficiency ratio | 58.7907% | 3,895 |
| Assets per employee ($millions) | 3.9813% | 3,888 |
| Cash dividends to net income (ytd only)* | 53.8503% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,438 |
| Loan loss allowance to noncurrent loans | 2,883.9623% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 3,680 |
| Noncurrent loans to loans | 0.0422% | 4,496 |
| Net loans and leases to total assets | 68.5567% | 2,746 |
| Net loans and leases to deposits | 80.4195% | 2,903 |
| Net loans and leases to core deposits | 83.6751% | 3,138 |
| Total domestic deposits to total assets | 85.2489% | 2,361 |
| Equity capital to assets | 12.0033% | 2,183 |
| Core capital (leverage) ratio | 9.7869% | 3,839 |
| Tier 1 risk-based capital ratio | 12.5853% | 4,084 |
| Total risk-based capital ratio | 13.6890% | 4,043 |
| Memoranda: | ||
| Average total assets | $733,578,000 | 1,041 |
| Average earning assets | $638,589,670 | 1,080 |
| Average equity | $84,392,330 | 1,030 |
| Average total loans | $494,219,330 | 1,093 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 1,155 |
| Cost of funding earning assets | 0.4340% | 4,352 |
| Net interest margin | 4.6400% | 561 |
| Noninterest income to average assets | 0.9110% | 1,022 |
| Noninterest expense to average assets | 3.0008% | 1,995 |
| Loan and lease loss provision to assets | 0.1219% | 1,437 |
| Net operating income to assets | 1.4734% | 1,169 |
| Return on assets (ROA) | 1.4752% | 1,190 |
| Pretax return on assets | 1.8237% | 934 |
| Return on Equity (ROE) | 13.1021% | 1,178 |
| Retained earnings to average equity (ytd only) | -1.3381% | 4,689 |
| Net charge-offs to loans | 0.0016% | 2,704 |
| Credit loss provision to net charge-offs | 11,250.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 1,793.0000% | 19 |
| Efficiency ratio | 59.2678% | 3,915 |
| Assets per employee ($millions) | 4.0481% | 3,852 |
| Cash dividends to net income (ytd only)* | 110.2131% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,613 |
| Loan loss allowance to noncurrent loans | 1,790.2736% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 3,663 |
| Noncurrent loans to loans | 0.0667% | 4,461 |
| Net loans and leases to total assets | 67.3075% | 2,859 |
| Net loans and leases to deposits | 78.5104% | 3,007 |
| Net loans and leases to core deposits | 82.0378% | 3,182 |
| Total domestic deposits to total assets | 85.7306% | 2,394 |
| Equity capital to assets | 11.5319% | 2,371 |
| Core capital (leverage) ratio | 9.3605% | 4,306 |
| Tier 1 risk-based capital ratio | 11.9123% | 4,510 |
| Total risk-based capital ratio | 12.9639% | 4,509 |
| Memoranda: | ||
| Average total assets | $738,072,000 | 1,040 |
| Average earning assets | $641,545,000 | 1,078 |
| Average equity | $83,101,000 | 1,038 |
| Average total loans | $489,894,500 | 1,101 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 1,228 |
| Cost of funding earning assets | 0.3743% | 4,133 |
| Net interest margin | 4.5468% | 697 |
| Noninterest income to average assets | 0.8335% | 1,358 |
| Noninterest expense to average assets | 3.0421% | 1,962 |
| Loan and lease loss provision to assets | 0.1228% | 1,798 |
| Net operating income to assets | 1.3486% | 1,621 |
| Return on assets (ROA) | 1.3478% | 1,610 |
| Pretax return on assets | 1.6510% | 1,312 |
| Return on Equity (ROE) | 12.6376% | 1,491 |
| Retained earnings to average equity (ytd only) | 9.6973% | 680 |
| Net charge-offs to loans | 0.0454% | 2,524 |
| Credit loss provision to net charge-offs | 407.2398% | 816 |
| Earnings coverage of net charge-offs (x) | 58.8507% | 1,034 |
| Efficiency ratio | 61.6816% | 3,591 |
| Assets per employee ($millions) | 4.3191% | 3,431 |
| Cash dividends to net income (ytd only)* | 23.2662% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,741 |
| Loan loss allowance to noncurrent loans | 1,732.7217% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 3,671 |
| Noncurrent loans to loans | 0.0673% | 4,452 |
| Net loans and leases to total assets | 63.9380% | 3,366 |
| Net loans and leases to deposits | 74.1982% | 3,485 |
| Net loans and leases to core deposits | 77.6966% | 3,606 |
| Total domestic deposits to total assets | 86.1719% | 2,144 |
| Equity capital to assets | 10.9963% | 2,692 |
| Core capital (leverage) ratio | 9.1720% | 4,483 |
| Tier 1 risk-based capital ratio | 11.8444% | 4,539 |
| Total risk-based capital ratio | 12.8481% | 4,566 |
| Memoranda: | ||
| Average total assets | $732,827,600 | 1,014 |
| Average earning assets | $642,014,800 | 1,060 |
| Average equity | $78,155,600 | 1,052 |
| Average total loans | $486,577,800 | 1,074 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 1,253 |
| Cost of funding earning assets | 0.3659% | 4,081 |
| Net interest margin | 4.4992% | 743 |
| Noninterest income to average assets | 0.8602% | 1,307 |
| Noninterest expense to average assets | 2.9955% | 2,031 |
| Loan and lease loss provision to assets | 0.1236% | 1,629 |
| Net operating income to assets | 1.3587% | 1,626 |
| Return on assets (ROA) | 1.3587% | 1,633 |
| Pretax return on assets | 1.6839% | 1,315 |
| Return on Equity (ROE) | 12.8424% | 1,489 |
| Retained earnings to average equity (ytd only) | 8.8651% | 1,276 |
| Net charge-offs to loans | 0.0367% | 2,341 |
| Credit loss provision to net charge-offs | 503.7313% | 693 |
| Earnings coverage of net charge-offs (x) | 73.6651% | 924 |
| Efficiency ratio | 60.8807% | 3,675 |
| Assets per employee ($millions) | 4.1177% | 3,703 |
| Cash dividends to net income (ytd only)* | 30.9703% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,068 |
| Loan loss allowance to noncurrent loans | 290.6414% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 3,676 |
| Noncurrent loans to loans | 0.3858% | 3,273 |
| Net loans and leases to total assets | 65.4089% | 3,257 |
| Net loans and leases to deposits | 75.8024% | 3,434 |
| Net loans and leases to core deposits | 79.3335% | 3,547 |
| Total domestic deposits to total assets | 86.2887% | 2,060 |
| Equity capital to assets | 10.6399% | 3,001 |
| Core capital (leverage) ratio | 8.9619% | 4,738 |
| Tier 1 risk-based capital ratio | 11.5316% | 4,776 |
| Total risk-based capital ratio | 12.5236% | 4,810 |
| Memoranda: | ||
| Average total assets | $728,152,500 | 1,022 |
| Average earning assets | $638,075,750 | 1,067 |
| Average equity | $77,034,500 | 1,063 |
| Average total loans | $486,677,750 | 1,074 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 1,232 |
| Cost of funding earning assets | 0.3653% | 3,974 |
| Net interest margin | 4.4399% | 784 |
| Noninterest income to average assets | 0.8911% | 1,205 |
| Noninterest expense to average assets | 2.9650% | 2,151 |
| Loan and lease loss provision to assets | 0.1246% | 1,587 |
| Net operating income to assets | 1.3756% | 1,520 |
| Return on assets (ROA) | 1.3756% | 1,522 |
| Pretax return on assets | 1.6945% | 1,223 |
| Return on Equity (ROE) | 13.0284% | 1,363 |
| Retained earnings to average equity (ytd only) | 7.0032% | 2,068 |
| Net charge-offs to loans | 0.0541% | 1,831 |
| Credit loss provision to net charge-offs | 343.5115% | 917 |
| Earnings coverage of net charge-offs (x) | 50.1603% | 1,124 |
| Efficiency ratio | 60.4710% | 3,870 |
| Assets per employee ($millions) | 4.1498% | 3,654 |
| Cash dividends to net income (ytd only)* | 46.2467% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,289 |
| Loan loss allowance to noncurrent loans | 1,216.7431% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,722 |
| Noncurrent loans to loans | 0.0901% | 4,510 |
| Net loans and leases to total assets | 65.5629% | 3,210 |
| Net loans and leases to deposits | 76.0377% | 3,325 |
| Net loans and leases to core deposits | 79.8433% | 3,433 |
| Total domestic deposits to total assets | 86.2243% | 2,180 |
| Equity capital to assets | 10.5994% | 3,030 |
| Core capital (leverage) ratio | 8.7648% | 4,918 |
| Tier 1 risk-based capital ratio | 11.3223% | 4,882 |
| Total risk-based capital ratio | 12.2965% | 4,924 |
| Memoranda: | ||
| Average total assets | $722,438,000 | 1,034 |
| Average earning assets | $633,435,000 | 1,074 |
| Average equity | $76,279,670 | 1,074 |
| Average total loans | $484,564,330 | 1,081 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 1,181 |
| Cost of funding earning assets | 0.3637% | 3,889 |
| Net interest margin | 4.3900% | 783 |
| Noninterest income to average assets | 0.9364% | 1,057 |
| Noninterest expense to average assets | 2.9730% | 2,133 |
| Loan and lease loss provision to assets | 0.1253% | 1,503 |
| Net operating income to assets | 1.3930% | 1,364 |
| Return on assets (ROA) | 1.3930% | 1,370 |
| Pretax return on assets | 1.6886% | 1,143 |
| Return on Equity (ROE) | 13.2185% | 1,203 |
| Retained earnings to average equity (ytd only) | 1.0778% | 4,610 |
| Net charge-offs to loans | 0.1114% | 1,112 |
| Credit loss provision to net charge-offs | 166.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | 24.1333% | 1,367 |
| Efficiency ratio | 60.5955% | 3,992 |
| Assets per employee ($millions) | 3.9793% | 4,014 |
| Cash dividends to net income (ytd only)* | 91.8465% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 3,534 |
| Loan loss allowance to noncurrent loans | 1,493.2353% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,868 |
| Noncurrent loans to loans | 0.0719% | 4,659 |
| Net loans and leases to total assets | 65.3437% | 3,133 |
| Net loans and leases to deposits | 75.8102% | 3,237 |
| Net loans and leases to core deposits | 79.6542% | 3,349 |
| Total domestic deposits to total assets | 86.1938% | 2,453 |
| Equity capital to assets | 10.5105% | 3,067 |
| Core capital (leverage) ratio | 8.5186% | 5,131 |
| Tier 1 risk-based capital ratio | 11.1798% | 5,039 |
| Total risk-based capital ratio | 12.1410% | 5,098 |
| Memoranda: | ||
| Average total assets | $718,470,500 | 1,047 |
| Average earning assets | $630,154,000 | 1,092 |
| Average equity | $75,712,000 | 1,085 |
| Average total loans | $484,767,000 | 1,086 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 872 |
| Cost of funding earning assets | 0.2240% | 4,759 |
| Net interest margin | 4.6363% | 461 |
| Noninterest income to average assets | 0.8273% | 1,475 |
| Noninterest expense to average assets | 3.1669% | 1,687 |
| Loan and lease loss provision to assets | 0.0997% | 2,229 |
| Net operating income to assets | 1.1355% | 1,732 |
| Return on assets (ROA) | 1.1470% | 1,723 |
| Pretax return on assets | 1.6346% | 1,204 |
| Return on Equity (ROE) | 10.6549% | 1,612 |
| Retained earnings to average equity (ytd only) | 3.7932% | 2,952 |
| Net charge-offs to loans | 0.0316% | 3,160 |
| Credit loss provision to net charge-offs | 450.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 77.5133% | 789 |
| Efficiency ratio | 63.2610% | 3,723 |
| Assets per employee ($millions) | 4.1184% | 3,784 |
| Cash dividends to net income (ytd only)* | 64.3998% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,908 |
| Loan loss allowance to noncurrent loans | 948.0989% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 4,752 |
| Noncurrent loans to loans | 0.1060% | 4,510 |
| Net loans and leases to total assets | 68.1867% | 2,796 |
| Net loans and leases to deposits | 79.2637% | 2,998 |
| Net loans and leases to core deposits | 82.6970% | 3,179 |
| Total domestic deposits to total assets | 86.0251% | 2,422 |
| Equity capital to assets | 10.5197% | 3,150 |
| Core capital (leverage) ratio | 9.1636% | 4,444 |
| Tier 1 risk-based capital ratio | 11.2844% | 4,994 |
| Total risk-based capital ratio | 12.1903% | 5,062 |
| Memoranda: | ||
| Average total assets | $676,871,000 | 1,076 |
| Average earning assets | $592,353,600 | 1,127 |
| Average equity | $72,867,800 | 1,089 |
| Average total loans | $474,271,200 | 1,080 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 793 |
| Cost of funding earning assets | 0.2002% | 4,974 |
| Net interest margin | 4.6796% | 421 |
| Noninterest income to average assets | 0.8552% | 1,411 |
| Noninterest expense to average assets | 3.1793% | 1,606 |
| Loan and lease loss provision to assets | 0.1352% | 1,601 |
| Net operating income to assets | 1.2134% | 1,637 |
| Return on assets (ROA) | 1.2300% | 1,605 |
| Pretax return on assets | 1.6588% | 1,218 |
| Return on Equity (ROE) | 11.3551% | 1,547 |
| Retained earnings to average equity (ytd only) | 2.1128% | 4,597 |
| Net charge-offs to loans | 0.0210% | 3,061 |
| Credit loss provision to net charge-offs | 912.1622% | 381 |
| Earnings coverage of net charge-offs (x) | 119.5727% | 627 |
| Efficiency ratio | 62.6400% | 3,784 |
| Assets per employee ($millions) | 3.8322% | 4,260 |
| Cash dividends to net income (ytd only)* | 81.3935% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,904 |
| Loan loss allowance to noncurrent loans | 1,670.9571% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 5,006 |
| Noncurrent loans to loans | 0.0616% | 4,837 |
| Net loans and leases to total assets | 72.9905% | 2,103 |
| Net loans and leases to deposits | 86.0183% | 2,289 |
| Net loans and leases to core deposits | 88.5347% | 2,721 |
| Total domestic deposits to total assets | 84.8546% | 2,777 |
| Equity capital to assets | 11.1999% | 2,671 |
| Core capital (leverage) ratio | 9.2487% | 4,465 |
| Tier 1 risk-based capital ratio | 10.9776% | 5,256 |
| Total risk-based capital ratio | 11.8978% | 5,327 |
| Memoranda: | ||
| Average total assets | $665,908,500 | 1,100 |
| Average earning assets | $582,821,750 | 1,146 |
| Average equity | $72,130,250 | 1,109 |
| Average total loans | $468,733,250 | 1,091 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 802 |
| Cost of funding earning assets | 0.1926% | 5,048 |
| Net interest margin | 4.6379% | 443 |
| Noninterest income to average assets | 0.8786% | 1,336 |
| Noninterest expense to average assets | 3.1598% | 1,681 |
| Loan and lease loss provision to assets | 0.1352% | 1,535 |
| Net operating income to assets | 1.2234% | 1,524 |
| Return on assets (ROA) | 1.2338% | 1,519 |
| Pretax return on assets | 1.6556% | 1,178 |
| Return on Equity (ROE) | 11.5208% | 1,460 |
| Retained earnings to average equity (ytd only) | -2.5084% | 5,383 |
| Net charge-offs to loans | 0.0321% | 2,557 |
| Credit loss provision to net charge-offs | 608.1081% | 560 |
| Earnings coverage of net charge-offs (x) | 79.9189% | 771 |
| Efficiency ratio | 62.4224% | 3,918 |
| Assets per employee ($millions) | 3.7968% | 4,282 |
| Cash dividends to net income (ytd only)* | 121.7730% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 4,084 |
| Loan loss allowance to noncurrent loans | 1,645.5782% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 5,058 |
| Noncurrent loans to loans | 0.0614% | 4,880 |
| Net loans and leases to total assets | 71.3776% | 2,306 |
| Net loans and leases to deposits | 84.6970% | 2,381 |
| Net loans and leases to core deposits | 87.4429% | 2,752 |
| Total domestic deposits to total assets | 84.2740% | 3,099 |
| Equity capital to assets | 10.8521% | 2,961 |
| Core capital (leverage) ratio | 8.8785% | 4,865 |
| Tier 1 risk-based capital ratio | 10.9593% | 5,271 |
| Total risk-based capital ratio | 11.8808% | 5,336 |
| Memoranda: | ||
| Average total assets | $665,608,000 | 1,103 |
| Average earning assets | $582,419,330 | 1,154 |
| Average equity | $71,279,670 | 1,122 |
| Average total loans | $461,054,000 | 1,111 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 746 |
| Cost of funding earning assets | 0.1786% | 5,168 |
| Net interest margin | 4.6211% | 429 |
| Noninterest income to average assets | 0.9397% | 1,138 |
| Noninterest expense to average assets | 3.1931% | 1,630 |
| Loan and lease loss provision to assets | 0.1351% | 1,420 |
| Net operating income to assets | 1.2348% | 1,417 |
| Return on assets (ROA) | 1.2375% | 1,449 |
| Pretax return on assets | 1.6536% | 1,112 |
| Return on Equity (ROE) | 11.6331% | 1,355 |
| Retained earnings to average equity (ytd only) | -16.5888% | 5,686 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5739% | 4,063 |
| Assets per employee ($millions) | 3.8095% | 4,332 |
| Cash dividends to net income (ytd only)* | 242.6007% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 4,182 |
| Loan loss allowance to noncurrent loans | 641.1765% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 4,835 |
| Noncurrent loans to loans | 0.1586% | 4,551 |
| Net loans and leases to total assets | 67.6614% | 2,732 |
| Net loans and leases to deposits | 79.6278% | 2,798 |
| Net loans and leases to core deposits | 82.2339% | 3,074 |
| Total domestic deposits to total assets | 84.9721% | 3,102 |
| Equity capital to assets | 10.3278% | 3,379 |
| Core capital (leverage) ratio | 8.5601% | 5,183 |
| Tier 1 risk-based capital ratio | 10.6578% | 5,480 |
| Total risk-based capital ratio | 11.5596% | 5,555 |
| Memoranda: | ||
| Average total assets | $666,195,500 | 1,104 |
| Average earning assets | $582,199,000 | 1,156 |
| Average equity | $70,867,000 | 1,122 |
| Average total loans | $452,034,000 | 1,123 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 1,125 |
| Cost of funding earning assets | 0.1388% | 5,493 |
| Net interest margin | 4.5279% | 587 |
| Noninterest income to average assets | 0.8446% | 1,597 |
| Noninterest expense to average assets | 3.1311% | 1,948 |
| Loan and lease loss provision to assets | 0.1441% | 1,737 |
| Net operating income to assets | 1.1761% | 1,588 |
| Return on assets (ROA) | 1.1898% | 1,633 |
| Pretax return on assets | 1.5969% | 1,297 |
| Return on Equity (ROE) | 11.0639% | 1,557 |
| Retained earnings to average equity (ytd only) | -20.2437% | 5,859 |
| Net charge-offs to loans | 0.0500% | 3,044 |
| Credit loss provision to net charge-offs | 444.1315% | 721 |
| Earnings coverage of net charge-offs (x) | 53.0892% | 974 |
| Efficiency ratio | 63.3157% | 4,058 |
| Assets per employee ($millions) | 3.6983% | 4,479 |
| Cash dividends to net income (ytd only)* | 282.9706% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 4,279 |
| Loan loss allowance to noncurrent loans | 613.7552% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 4,868 |
| Noncurrent loans to loans | 0.1641% | 4,576 |
| Net loans and leases to total assets | 66.6392% | 2,985 |
| Net loans and leases to deposits | 75.8775% | 3,328 |
| Net loans and leases to core deposits | 78.0017% | 3,571 |
| Total domestic deposits to total assets | 87.8247% | 1,726 |
| Equity capital to assets | 10.9503% | 2,668 |
| Core capital (leverage) ratio | 9.5721% | 4,003 |
| Tier 1 risk-based capital ratio | 12.2282% | 4,553 |
| Total risk-based capital ratio | 13.1121% | 4,712 |
| Memoranda: | ||
| Average total assets | $656,406,000 | 1,085 |
| Average earning assets | $581,221,000 | 1,118 |
| Average equity | $70,590,000 | 1,119 |
| Average total loans | $426,200,600 | 1,150 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 1,166 |
| Cost of funding earning assets | 0.1428% | 5,522 |
| Net interest margin | 4.5158% | 604 |
| Noninterest income to average assets | 0.8493% | 1,578 |
| Noninterest expense to average assets | 3.0586% | 2,130 |
| Loan and lease loss provision to assets | 0.1561% | 1,488 |
| Net operating income to assets | 1.2035% | 1,639 |
| Return on assets (ROA) | 1.2225% | 1,649 |
| Pretax return on assets | 1.6705% | 1,197 |
| Return on Equity (ROE) | 11.4197% | 1,515 |
| Retained earnings to average equity (ytd only) | -30.5450% | 5,945 |
| Net charge-offs to loans | 0.0215% | 3,259 |
| Credit loss provision to net charge-offs | 1,129.4118% | 362 |
| Earnings coverage of net charge-offs (x) | 130.2710% | 525 |
| Efficiency ratio | 62.0665% | 4,218 |
| Assets per employee ($millions) | 3.6900% | 4,495 |
| Cash dividends to net income (ytd only)* | 367.4757% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 4,375 |
| Loan loss allowance to noncurrent loans | 211.1058% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 4,065 |
| Noncurrent loans to loans | 0.4764% | 3,587 |
| Net loans and leases to total assets | 67.1348% | 2,932 |
| Net loans and leases to deposits | 76.7774% | 3,311 |
| Net loans and leases to core deposits | 79.2277% | 3,529 |
| Total domestic deposits to total assets | 87.4408% | 1,697 |
| Equity capital to assets | 11.2386% | 2,753 |
| Core capital (leverage) ratio | 9.4425% | 4,266 |
| Tier 1 risk-based capital ratio | 12.0763% | 4,742 |
| Total risk-based capital ratio | 12.9702% | 4,871 |
| Memoranda: | ||
| Average total assets | $655,932,500 | 1,084 |
| Average earning assets | $582,446,250 | 1,118 |
| Average equity | $70,216,000 | 1,126 |
| Average total loans | $421,963,750 | 1,155 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 1,273 |
| Cost of funding earning assets | 0.1463% | 5,570 |
| Net interest margin | 4.4510% | 688 |
| Noninterest income to average assets | 0.8312% | 1,607 |
| Noninterest expense to average assets | 3.0084% | 2,318 |
| Loan and lease loss provision to assets | 0.1498% | 1,533 |
| Net operating income to assets | 1.1997% | 1,601 |
| Return on assets (ROA) | 1.2126% | 1,650 |
| Pretax return on assets | 1.6560% | 1,206 |
| Return on Equity (ROE) | 11.5165% | 1,476 |
| Retained earnings to average equity (ytd only) | -51.9829% | 6,039 |
| Net charge-offs to loans | 0.0428% | 2,608 |
| Credit loss provision to net charge-offs | 553.9326% | 610 |
| Earnings coverage of net charge-offs (x) | 66.1124% | 820 |
| Efficiency ratio | 61.8324% | 4,371 |
| Assets per employee ($millions) | 3.6848% | 4,468 |
| Cash dividends to net income (ytd only)* | 551.3784% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 4,645 |
| Loan loss allowance to noncurrent loans | 531.2339% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 4,765 |
| Noncurrent loans to loans | 0.1835% | 4,699 |
| Net loans and leases to total assets | 65.1092% | 3,215 |
| Net loans and leases to deposits | 74.0785% | 3,582 |
| Net loans and leases to core deposits | 76.8476% | 3,751 |
| Total domestic deposits to total assets | 87.8922% | 1,486 |
| Equity capital to assets | 10.8675% | 3,209 |
| Core capital (leverage) ratio | 9.0150% | 4,812 |
| Tier 1 risk-based capital ratio | 11.9219% | 4,879 |
| Total risk-based capital ratio | 12.7822% | 5,017 |
| Memoranda: | ||
| Average total assets | $658,097,330 | 1,082 |
| Average earning assets | $586,297,000 | 1,117 |
| Average equity | $69,292,000 | 1,141 |
| Average total loans | $415,809,000 | 1,168 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5441% | 1,387 |
| Cost of funding earning assets | 0.1185% | 5,822 |
| Net interest margin | 4.4255% | 699 |
| Noninterest income to average assets | 0.9442% | 1,195 |
| Noninterest expense to average assets | 2.9379% | 2,577 |
| Loan and lease loss provision to assets | 0.2046% | 958 |
| Net operating income to assets | 1.2648% | 1,355 |
| Return on assets (ROA) | 1.2930% | 1,359 |
| Pretax return on assets | 1.7441% | 957 |
| Return on Equity (ROE) | 12.0400% | 1,306 |
| Retained earnings to average equity (ytd only) | -144.3238% | 6,113 |
| Net charge-offs to loans | 0.0208% | 2,522 |
| Credit loss provision to net charge-offs | 1,576.4706% | 262 |
| Earnings coverage of net charge-offs (x) | 147.2353% | 408 |
| Efficiency ratio | 59.4931% | 4,812 |
| Assets per employee ($millions) | 3.5333% | 4,767 |
| Cash dividends to net income (ytd only)* | 1,298.7013% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 3,451 |
| Loan loss allowance to noncurrent loans | 314.3760% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 4,426 |
| Noncurrent loans to loans | 0.3830% | 4,069 |
| Net loans and leases to total assets | 64.1913% | 3,216 |
| Net loans and leases to deposits | 71.6403% | 3,686 |
| Net loans and leases to core deposits | 74.6163% | 3,829 |
| Total domestic deposits to total assets | 89.6022% | 786 |
| Equity capital to assets | 9.0786% | 5,101 |
| Core capital (leverage) ratio | 7.2927% | 5,960 |
| Tier 1 risk-based capital ratio | 9.7111% | 5,968 |
| Total risk-based capital ratio | 10.7530% | 5,987 |
| Memoranda: | ||
| Average total assets | $524,052,000 | 1,328 |
| Average earning assets | $462,316,000 | 1,379 |
| Average equity | $56,279,000 | 1,371 |
| Average total loans | $327,377,000 | 1,412 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,553 |
| Cost of funding earning assets | 0.1369% | 5,776 |
| Net interest margin | 4.3754% | 837 |
| Noninterest income to average assets | 0.9486% | 1,323 |
| Noninterest expense to average assets | 2.9497% | 2,702 |
| Loan and lease loss provision to assets | 0.2081% | 1,013 |
| Net operating income to assets | 1.2150% | 1,499 |
| Return on assets (ROA) | 1.2373% | 1,482 |
| Pretax return on assets | 1.6666% | 1,070 |
| Return on Equity (ROE) | 10.3301% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.2117% | 439 |
| Net charge-offs to loans | 0.5673% | 432 |
| Credit loss provision to net charge-offs | 60.9756% | 3,256 |
| Earnings coverage of net charge-offs (x) | 5.4047% | 3,394 |
| Efficiency ratio | 60.1318% | 4,892 |
| Assets per employee ($millions) | 3.8522% | 4,207 |
| Cash dividends to net income (ytd only)* | 1.1468% | 4,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,751 |
| Loan loss allowance to noncurrent loans | 328.8360% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 4,624 |
| Noncurrent loans to loans | 0.3498% | 4,214 |
| Net loans and leases to total assets | 59.4172% | 3,912 |
| Net loans and leases to deposits | 68.6868% | 4,062 |
| Net loans and leases to core deposits | 72.2308% | 4,111 |
| Total domestic deposits to total assets | 86.5046% | 2,371 |
| Equity capital to assets | 12.3059% | 1,737 |
| Core capital (leverage) ratio | 10.9807% | 2,426 |
| Tier 1 risk-based capital ratio | 15.5932% | 2,887 |
| Total risk-based capital ratio | 16.5994% | 2,954 |
| Memoranda: | ||
| Average total assets | $528,566,600 | 1,280 |
| Average earning assets | $464,574,200 | 1,331 |
| Average equity | $63,310,000 | 1,194 |
| Average total loans | $318,011,600 | 1,393 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 1,429 |
| Cost of funding earning assets | 0.1421% | 5,833 |
| Net interest margin | 4.4207% | 759 |
| Noninterest income to average assets | 0.9508% | 1,316 |
| Noninterest expense to average assets | 2.9453% | 2,686 |
| Loan and lease loss provision to assets | 0.1204% | 1,890 |
| Net operating income to assets | 1.3009% | 1,341 |
| Return on assets (ROA) | 1.3103% | 1,363 |
| Pretax return on assets | 1.7773% | 937 |
| Return on Equity (ROE) | 11.0167% | 1,701 |
| Retained earnings to average equity (ytd only) | 10.8568% | 496 |
| Net charge-offs to loans | 0.4866% | 498 |
| Credit loss provision to net charge-offs | 41.1255% | 3,155 |
| Earnings coverage of net charge-offs (x) | 6.4372% | 3,050 |
| Efficiency ratio | 59.4898% | 4,947 |
| Assets per employee ($millions) | 3.6107% | 4,587 |
| Cash dividends to net income (ytd only)* | 1.4513% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,753 |
| Loan loss allowance to noncurrent loans | 127.3498% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 3,538 |
| Noncurrent loans to loans | 0.9286% | 2,651 |
| Net loans and leases to total assets | 59.9017% | 3,892 |
| Net loans and leases to deposits | 69.4819% | 4,043 |
| Net loans and leases to core deposits | 72.9594% | 4,106 |
| Total domestic deposits to total assets | 86.2120% | 2,433 |
| Equity capital to assets | 12.4319% | 1,784 |
| Core capital (leverage) ratio | 10.8814% | 2,608 |
| Tier 1 risk-based capital ratio | 15.2409% | 3,168 |
| Total risk-based capital ratio | 16.2552% | 3,227 |
| Memoranda: | ||
| Average total assets | $525,882,500 | 1,291 |
| Average earning assets | $461,517,000 | 1,345 |
| Average equity | $62,546,000 | 1,213 |
| Average total loans | $316,472,500 | 1,405 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 1,452 |
| Cost of funding earning assets | 0.1489% | 5,854 |
| Net interest margin | 4.3814% | 785 |
| Noninterest income to average assets | 0.9399% | 1,332 |
| Noninterest expense to average assets | 2.9169% | 2,830 |
| Loan and lease loss provision to assets | 0.1139% | 1,935 |
| Net operating income to assets | 1.2969% | 1,329 |
| Return on assets (ROA) | 1.3109% | 1,345 |
| Pretax return on assets | 1.7822% | 924 |
| Return on Equity (ROE) | 11.1899% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.1088% | 492 |
| Net charge-offs to loans | 0.0177% | 3,344 |
| Credit loss provision to net charge-offs | 1,071.4286% | 326 |
| Earnings coverage of net charge-offs (x) | 176.5357% | 377 |
| Efficiency ratio | 59.3077% | 5,075 |
| Assets per employee ($millions) | 3.6759% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.7242% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 2,348 |
| Loan loss allowance to noncurrent loans | 120.1788% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 2,975 |
| Noncurrent loans to loans | 1.2375% | 2,179 |
| Net loans and leases to total assets | 59.2878% | 3,934 |
| Net loans and leases to deposits | 68.3384% | 4,105 |
| Net loans and leases to core deposits | 71.7995% | 4,160 |
| Total domestic deposits to total assets | 86.7561% | 2,293 |
| Equity capital to assets | 11.9389% | 2,076 |
| Core capital (leverage) ratio | 10.4102% | 3,075 |
| Tier 1 risk-based capital ratio | 14.9585% | 3,378 |
| Total risk-based capital ratio | 16.2087% | 3,317 |
| Memoranda: | ||
| Average total assets | $526,658,000 | 1,298 |
| Average earning assets | $463,277,670 | 1,350 |
| Average equity | $61,698,670 | 1,236 |
| Average total loans | $316,172,670 | 1,413 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,318 |
| Cost of funding earning assets | 0.1502% | 5,920 |
| Net interest margin | 4.4063% | 722 |
| Noninterest income to average assets | 0.9705% | 1,188 |
| Noninterest expense to average assets | 2.9304% | 2,806 |
| Loan and lease loss provision to assets | 0.1138% | 1,815 |
| Net operating income to assets | 1.3197% | 1,211 |
| Return on assets (ROA) | 1.3324% | 1,254 |
| Pretax return on assets | 1.8158% | 845 |
| Return on Equity (ROE) | 11.4829% | 1,486 |
| Retained earnings to average equity (ytd only) | 11.4829% | 646 |
| Net charge-offs to loans | 0.0278% | 2,623 |
| Credit loss provision to net charge-offs | 681.8182% | 437 |
| Earnings coverage of net charge-offs (x) | 114.5455% | 442 |
| Efficiency ratio | 58.9940% | 5,228 |
| Assets per employee ($millions) | 3.6979% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 2,662 |
| Loan loss allowance to noncurrent loans | 467.7949% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 5,055 |
| Noncurrent loans to loans | 0.3105% | 4,679 |
| Net loans and leases to total assets | 58.1056% | 3,930 |
| Net loans and leases to deposits | 66.7397% | 4,076 |
| Net loans and leases to core deposits | 70.6910% | 4,088 |
| Total domestic deposits to total assets | 87.0629% | 2,341 |
| Equity capital to assets | 11.6779% | 2,314 |
| Core capital (leverage) ratio | 10.1231% | 3,435 |
| Tier 1 risk-based capital ratio | 14.8767% | 3,497 |
| Total risk-based capital ratio | 16.1269% | 3,435 |
| Memoranda: | ||
| Average total assets | $527,157,000 | 1,295 |
| Average earning assets | $463,243,000 | 1,353 |
| Average equity | $61,169,000 | 1,246 |
| Average total loans | $316,080,500 | 1,416 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 1,400 |
| Cost of funding earning assets | 0.1809% | 5,904 |
| Net interest margin | 4.4764% | 780 |
| Noninterest income to average assets | 1.0544% | 1,095 |
| Noninterest expense to average assets | 2.9853% | 2,886 |
| Loan and lease loss provision to assets | 0.1239% | 2,116 |
| Net operating income to assets | 1.3693% | 1,143 |
| Return on assets (ROA) | 1.3939% | 1,125 |
| Pretax return on assets | 1.8826% | 667 |
| Return on Equity (ROE) | 12.1162% | 1,382 |
| Retained earnings to average equity (ytd only) | 8.1309% | 974 |
| Net charge-offs to loans | -0.0144% | 5,637 |
| Credit loss provision to net charge-offs | -1,453.4884% | 5,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6512% | 5,385 |
| Assets per employee ($millions) | 3.9532% | 4,060 |
| Cash dividends to net income (ytd only)* | 32.8925% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 2,980 |
| Loan loss allowance to noncurrent loans | 226.1735% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 4,438 |
| Noncurrent loans to loans | 0.6160% | 3,837 |
| Net loans and leases to total assets | 60.1277% | 3,772 |
| Net loans and leases to deposits | 69.2299% | 4,002 |
| Net loans and leases to core deposits | 72.6089% | 4,069 |
| Total domestic deposits to total assets | 86.8522% | 2,356 |
| Equity capital to assets | 11.5277% | 2,407 |
| Core capital (leverage) ratio | 9.9960% | 3,580 |
| Tier 1 risk-based capital ratio | 13.8573% | 4,205 |
| Total risk-based capital ratio | 15.0129% | 4,195 |
| Memoranda: | ||
| Average total assets | $504,469,600 | 1,323 |
| Average earning assets | $439,972,800 | 1,395 |
| Average equity | $58,037,800 | 1,256 |
| Average total loans | $299,084,800 | 1,432 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,414 |
| Cost of funding earning assets | 0.1875% | 5,942 |
| Net interest margin | 4.4704% | 793 |
| Noninterest income to average assets | 1.0890% | 1,028 |
| Noninterest expense to average assets | 2.9679% | 2,912 |
| Loan and lease loss provision to assets | 0.1000% | 2,372 |
| Net operating income to assets | 1.4077% | 1,114 |
| Return on assets (ROA) | 1.4404% | 1,090 |
| Pretax return on assets | 1.9616% | 623 |
| Return on Equity (ROE) | 12.5265% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.4105% | 383 |
| Net charge-offs to loans | -0.0304% | 5,744 |
| Credit loss provision to net charge-offs | -559.7015% | 5,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9795% | 5,449 |
| Assets per employee ($millions) | 3.4300% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.9255% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 3,418 |
| Loan loss allowance to noncurrent loans | 330.2198% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 5,076 |
| Noncurrent loans to loans | 0.4074% | 4,683 |
| Net loans and leases to total assets | 62.0253% | 3,481 |
| Net loans and leases to deposits | 71.8030% | 3,703 |
| Net loans and leases to core deposits | 75.1833% | 3,838 |
| Total domestic deposits to total assets | 86.3826% | 2,655 |
| Equity capital to assets | 12.2108% | 1,902 |
| Core capital (leverage) ratio | 10.4109% | 3,144 |
| Tier 1 risk-based capital ratio | 14.4072% | 3,938 |
| Total risk-based capital ratio | 15.5820% | 3,928 |
| Memoranda: | ||
| Average total assets | $500,131,750 | 1,347 |
| Average earning assets | $435,830,750 | 1,419 |
| Average equity | $57,508,750 | 1,276 |
| Average total loans | $294,308,000 | 1,456 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,452 |
| Cost of funding earning assets | 0.1914% | 5,989 |
| Net interest margin | 4.4373% | 798 |
| Noninterest income to average assets | 1.0083% | 1,178 |
| Noninterest expense to average assets | 2.9366% | 3,044 |
| Loan and lease loss provision to assets | 0.0599% | 3,074 |
| Net operating income to assets | 1.3795% | 1,114 |
| Return on assets (ROA) | 1.4262% | 1,047 |
| Pretax return on assets | 1.9331% | 640 |
| Return on Equity (ROE) | 12.6624% | 1,274 |
| Retained earnings to average equity (ytd only) | 12.4852% | 377 |
| Net charge-offs to loans | 0.0139% | 3,959 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 241.7500% | 280 |
| Efficiency ratio | 58.7434% | 5,465 |
| Assets per employee ($millions) | 3.5085% | 4,830 |
| Cash dividends to net income (ytd only)* | 1.3994% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 3,809 |
| Loan loss allowance to noncurrent loans | 365.3846% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 5,322 |
| Noncurrent loans to loans | 0.3583% | 4,920 |
| Net loans and leases to total assets | 59.3498% | 3,811 |
| Net loans and leases to deposits | 68.4843% | 3,997 |
| Net loans and leases to core deposits | 72.5968% | 3,987 |
| Total domestic deposits to total assets | 86.6619% | 2,663 |
| Equity capital to assets | 11.8924% | 2,071 |
| Core capital (leverage) ratio | 9.8021% | 3,885 |
| Tier 1 risk-based capital ratio | 14.1783% | 4,138 |
| Total risk-based capital ratio | 15.3219% | 4,142 |
| Memoranda: | ||
| Average total assets | $501,057,330 | 1,341 |
| Average earning assets | $435,674,670 | 1,413 |
| Average equity | $56,434,670 | 1,288 |
| Average total loans | $288,179,670 | 1,489 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 1,540 |
| Cost of funding earning assets | 0.1944% | 6,048 |
| Net interest margin | 4.3908% | 821 |
| Noninterest income to average assets | 1.0090% | 1,112 |
| Noninterest expense to average assets | 2.9407% | 3,078 |
| Loan and lease loss provision to assets | 0.0595% | 2,917 |
| Net operating income to assets | 1.3546% | 1,088 |
| Return on assets (ROA) | 1.3628% | 1,118 |
| Pretax return on assets | 1.8364% | 756 |
| Return on Equity (ROE) | 12.4410% | 1,300 |
| Retained earnings to average equity (ytd only) | 12.4410% | 550 |
| Net charge-offs to loans | 0.0324% | 2,941 |
| Credit loss provision to net charge-offs | 326.0870% | 757 |
| Earnings coverage of net charge-offs (x) | 103.3043% | 442 |
| Efficiency ratio | 59.3457% | 5,495 |
| Assets per employee ($millions) | 3.8145% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 3,990 |
| Loan loss allowance to noncurrent loans | 331.6247% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 5,210 |
| Noncurrent loans to loans | 0.3992% | 4,938 |
| Net loans and leases to total assets | 56.0824% | 4,137 |
| Net loans and leases to deposits | 64.1562% | 4,300 |
| Net loans and leases to core deposits | 68.4616% | 4,260 |
| Total domestic deposits to total assets | 87.4154% | 2,555 |
| Equity capital to assets | 11.1256% | 2,597 |
| Core capital (leverage) ratio | 9.3610% | 4,491 |
| Tier 1 risk-based capital ratio | 13.7375% | 4,512 |
| Total risk-based capital ratio | 14.8678% | 4,548 |
| Memoranda: | ||
| Average total assets | $504,238,000 | 1,337 |
| Average earning assets | $438,285,000 | 1,407 |
| Average equity | $55,236,500 | 1,306 |
| Average total loans | $283,521,500 | 1,512 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 1,629 |
| Cost of funding earning assets | 0.2279% | 6,120 |
| Net interest margin | 4.4490% | 825 |
| Noninterest income to average assets | 1.0868% | 1,195 |
| Noninterest expense to average assets | 3.0095% | 3,024 |
| Loan and lease loss provision to assets | 0.0237% | 4,653 |
| Net operating income to assets | 1.4732% | 870 |
| Return on assets (ROA) | 1.4739% | 920 |
| Pretax return on assets | 1.9729% | 517 |
| Return on Equity (ROE) | 11.6991% | 1,522 |
| Retained earnings to average equity (ytd only) | 8.2378% | 975 |
| Net charge-offs to loans | 0.0611% | 4,357 |
| Credit loss provision to net charge-offs | 68.9655% | 3,332 |
| Earnings coverage of net charge-offs (x) | 58.1379% | 704 |
| Efficiency ratio | 59.1732% | 5,579 |
| Assets per employee ($millions) | 3.7680% | 4,331 |
| Cash dividends to net income (ytd only)* | 29.5856% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 3,889 |
| Loan loss allowance to noncurrent loans | 241.8112% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 5,187 |
| Noncurrent loans to loans | 0.5587% | 4,593 |
| Net loans and leases to total assets | 54.8619% | 4,484 |
| Net loans and leases to deposits | 62.4229% | 4,682 |
| Net loans and leases to core deposits | 65.4900% | 4,738 |
| Total domestic deposits to total assets | 87.8874% | 2,248 |
| Equity capital to assets | 10.7812% | 2,841 |
| Core capital (leverage) ratio | 8.9545% | 5,072 |
| Tier 1 risk-based capital ratio | 13.3809% | 4,732 |
| Total risk-based capital ratio | 14.5111% | 4,755 |
| Memoranda: | ||
| Average total assets | $422,427,200 | 1,568 |
| Average earning assets | $372,042,000 | 1,627 |
| Average equity | $53,217,800 | 1,333 |
| Average total loans | $237,485,000 | 1,748 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 1,771 |
| Cost of funding earning assets | 0.2308% | 6,220 |
| Net interest margin | 4.4093% | 874 |
| Noninterest income to average assets | 1.0312% | 1,370 |
| Noninterest expense to average assets | 3.0129% | 2,950 |
| Loan and lease loss provision to assets | 0.0083% | 4,816 |
| Net operating income to assets | 1.4325% | 1,021 |
| Return on assets (ROA) | 1.4335% | 1,076 |
| Pretax return on assets | 1.9194% | 685 |
| Return on Equity (ROE) | 10.8898% | 1,857 |
| Retained earnings to average equity (ytd only) | 10.8143% | 616 |
| Net charge-offs to loans | 0.0816% | 3,787 |
| Credit loss provision to net charge-offs | 17.9856% | 4,101 |
| Earnings coverage of net charge-offs (x) | 41.8630% | 974 |
| Efficiency ratio | 60.2949% | 5,392 |
| Assets per employee ($millions) | 3.6428% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.6929% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 4,203 |
| Loan loss allowance to noncurrent loans | 347.3684% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 5,659 |
| Noncurrent loans to loans | 0.3852% | 5,239 |
| Net loans and leases to total assets | 55.0062% | 4,456 |
| Net loans and leases to deposits | 62.7703% | 4,654 |
| Net loans and leases to core deposits | 65.4312% | 4,763 |
| Total domestic deposits to total assets | 87.6309% | 2,343 |
| Equity capital to assets | 10.9487% | 2,810 |
| Core capital (leverage) ratio | 8.5648% | 5,705 |
| Tier 1 risk-based capital ratio | 12.7753% | 5,274 |
| Total risk-based capital ratio | 13.9150% | 5,292 |
| Memoranda: | ||
| Average total assets | $402,746,750 | 1,648 |
| Average earning assets | $356,961,750 | 1,692 |
| Average equity | $53,014,750 | 1,350 |
| Average total loans | $227,180,000 | 1,809 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,917 |
| Cost of funding earning assets | 0.2354% | 6,268 |
| Net interest margin | 4.3426% | 949 |
| Noninterest income to average assets | 1.0703% | 1,338 |
| Noninterest expense to average assets | 2.9716% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4839% | 924 |
| Return on assets (ROA) | 1.4855% | 995 |
| Pretax return on assets | 1.9906% | 618 |
| Return on Equity (ROE) | 10.5008% | 2,013 |
| Retained earnings to average equity (ytd only) | 10.3867% | 765 |
| Net charge-offs to loans | 0.1319% | 3,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 26.5971% | 1,238 |
| Efficiency ratio | 59.3255% | 5,563 |
| Assets per employee ($millions) | 3.4030% | 5,053 |
| Cash dividends to net income (ytd only)* | 1.0862% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 2,698 |
| Loan loss allowance to noncurrent loans | 489.4667% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 5,670 |
| Noncurrent loans to loans | 0.3518% | 5,406 |
| Net loans and leases to total assets | 57.0098% | 4,131 |
| Net loans and leases to deposits | 67.9343% | 4,025 |
| Net loans and leases to core deposits | 72.0257% | 4,034 |
| Total domestic deposits to total assets | 83.9190% | 4,355 |
| Equity capital to assets | 14.3578% | 859 |
| Core capital (leverage) ratio | 13.8969% | 847 |
| Tier 1 risk-based capital ratio | 19.9585% | 1,732 |
| Total risk-based capital ratio | 21.0967% | 1,729 |
| Memoranda: | ||
| Average total assets | $371,856,000 | 1,763 |
| Average earning assets | $333,072,670 | 1,799 |
| Average equity | $52,605,670 | 1,363 |
| Average total loans | $210,837,670 | 1,928 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,040 |
| Cost of funding earning assets | 0.2398% | 6,351 |
| Net interest margin | 4.2955% | 980 |
| Noninterest income to average assets | 1.0716% | 1,297 |
| Noninterest expense to average assets | 2.8875% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4973% | 862 |
| Return on assets (ROA) | 1.5005% | 934 |
| Pretax return on assets | 2.0384% | 555 |
| Return on Equity (ROE) | 10.6846% | 1,801 |
| Retained earnings to average equity (ytd only) | 10.5704% | 972 |
| Net charge-offs to loans | 0.2480% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.6308% | 1,445 |
| Efficiency ratio | 58.0834% | 5,838 |
| Assets per employee ($millions) | 3.3960% | 5,213 |
| Cash dividends to net income (ytd only)* | 1.0691% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 2,908 |
| Loan loss allowance to noncurrent loans | 1,153.6050% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 6,161 |
| Noncurrent loans to loans | 0.1494% | 6,022 |
| Net loans and leases to total assets | 56.6909% | 3,978 |
| Net loans and leases to deposits | 67.4199% | 3,848 |
| Net loans and leases to core deposits | 71.7902% | 3,848 |
| Total domestic deposits to total assets | 84.0863% | 4,437 |
| Equity capital to assets | 14.3395% | 925 |
| Core capital (leverage) ratio | 13.5151% | 943 |
| Tier 1 risk-based capital ratio | 20.1065% | 1,741 |
| Total risk-based capital ratio | 21.2781% | 1,736 |
| Memoranda: | ||
| Average total assets | $374,020,000 | 1,766 |
| Average earning assets | $335,231,000 | 1,808 |
| Average equity | $52,524,000 | 1,385 |
| Average total loans | $209,657,500 | 1,945 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 1,506 |
| Cost of funding earning assets | 0.3055% | 6,426 |
| Net interest margin | 4.7141% | 635 |
| Noninterest income to average assets | 1.0823% | 1,325 |
| Noninterest expense to average assets | 3.0577% | 3,061 |
| Loan and lease loss provision to assets | 0.0163% | 5,698 |
| Net operating income to assets | 1.6206% | 728 |
| Return on assets (ROA) | 1.6343% | 786 |
| Pretax return on assets | 2.2273% | 386 |
| Return on Equity (ROE) | 11.4015% | 1,682 |
| Retained earnings to average equity (ytd only) | -1.9028% | 6,147 |
| Net charge-offs to loans | 0.0042% | 5,920 |
| Credit loss provision to net charge-offs | 666.6667% | 368 |
| Earnings coverage of net charge-offs (x) | 910.0000% | 38 |
| Efficiency ratio | 57.3228% | 5,917 |
| Assets per employee ($millions) | 3.4668% | 5,078 |
| Cash dividends to net income (ytd only)* | 116.6888% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8514% | 2,435 |
| Loan loss allowance to noncurrent loans | 577.2727% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 6,129 |
| Noncurrent loans to loans | 0.3207% | 5,686 |
| Net loans and leases to total assets | 53.4503% | 4,697 |
| Net loans and leases to deposits | 63.0665% | 4,656 |
| Net loans and leases to core deposits | 66.7636% | 4,661 |
| Total domestic deposits to total assets | 84.7523% | 3,964 |
| Equity capital to assets | 13.7528% | 1,130 |
| Core capital (leverage) ratio | 13.1758% | 1,054 |
| Tier 1 risk-based capital ratio | 20.0179% | 1,675 |
| Total risk-based capital ratio | 21.2054% | 1,662 |
| Memoranda: | ||
| Average total assets | $368,116,400 | 1,768 |
| Average earning assets | $327,994,200 | 1,806 |
| Average equity | $52,765,000 | 1,350 |
| Average total loans | $215,784,800 | 1,877 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 1,340 |
| Cost of funding earning assets | 0.3196% | 6,515 |
| Net interest margin | 4.8157% | 547 |
| Noninterest income to average assets | 1.0982% | 1,243 |
| Noninterest expense to average assets | 3.0646% | 2,999 |
| Loan and lease loss provision to assets | 0.0219% | 5,523 |
| Net operating income to assets | 1.6906% | 692 |
| Return on assets (ROA) | 1.7089% | 746 |
| Pretax return on assets | 2.3281% | 386 |
| Return on Equity (ROE) | 11.7989% | 1,704 |
| Retained earnings to average equity (ytd only) | 3.2499% | 4,580 |
| Net charge-offs to loans | 0.0067% | 5,647 |
| Credit loss provision to net charge-offs | 545.4545% | 489 |
| Earnings coverage of net charge-offs (x) | 579.4901% | 74 |
| Efficiency ratio | 56.3088% | 6,019 |
| Assets per employee ($millions) | 3.3924% | 5,225 |
| Cash dividends to net income (ytd only)* | 72.4557% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 2,945 |
| Loan loss allowance to noncurrent loans | 1,110.2041% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 6,490 |
| Noncurrent loans to loans | 0.1582% | 6,213 |
| Net loans and leases to total assets | 58.1412% | 4,112 |
| Net loans and leases to deposits | 69.6922% | 3,937 |
| Net loans and leases to core deposits | 74.1654% | 3,960 |
| Total domestic deposits to total assets | 83.4257% | 4,470 |
| Equity capital to assets | 14.9129% | 843 |
| Core capital (leverage) ratio | 14.1049% | 796 |
| Tier 1 risk-based capital ratio | 20.3449% | 1,672 |
| Total risk-based capital ratio | 21.5245% | 1,660 |
| Memoranda: | ||
| Average total assets | $365,675,500 | 1,802 |
| Average earning assets | $325,842,250 | 1,844 |
| Average equity | $52,964,000 | 1,352 |
| Average total loans | $218,284,000 | 1,865 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 1,343 |
| Cost of funding earning assets | 0.3355% | 6,573 |
| Net interest margin | 4.8293% | 532 |
| Noninterest income to average assets | 1.0798% | 1,227 |
| Noninterest expense to average assets | 3.0391% | 3,127 |
| Loan and lease loss provision to assets | 0.0328% | 5,260 |
| Net operating income to assets | 1.7042% | 663 |
| Return on assets (ROA) | 1.7042% | 744 |
| Pretax return on assets | 2.3325% | 391 |
| Return on Equity (ROE) | 11.8841% | 1,705 |
| Retained earnings to average equity (ytd only) | -1.0762% | 6,223 |
| Net charge-offs to loans | 0.0055% | 5,419 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 720.3333% | 47 |
| Efficiency ratio | 55.6861% | 6,153 |
| Assets per employee ($millions) | 3.2879% | 5,477 |
| Cash dividends to net income (ytd only)* | 109.0559% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 3,135 |
| Loan loss allowance to noncurrent loans | 1,124.7788% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 6,546 |
| Noncurrent loans to loans | 0.1532% | 6,281 |
| Net loans and leases to total assets | 60.6988% | 3,682 |
| Net loans and leases to deposits | 72.5599% | 3,525 |
| Net loans and leases to core deposits | 77.5591% | 3,579 |
| Total domestic deposits to total assets | 83.6534% | 4,466 |
| Equity capital to assets | 14.7539% | 846 |
| Core capital (leverage) ratio | 13.6789% | 907 |
| Tier 1 risk-based capital ratio | 19.6267% | 1,808 |
| Total risk-based capital ratio | 20.8215% | 1,801 |
| Memoranda: | ||
| Average total assets | $365,442,330 | 1,804 |
| Average earning assets | $327,254,670 | 1,832 |
| Average equity | $52,406,330 | 1,361 |
| Average total loans | $218,771,000 | 1,864 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 1,391 |
| Cost of funding earning assets | 0.3495% | 6,639 |
| Net interest margin | 4.8169% | 545 |
| Noninterest income to average assets | 1.0418% | 1,331 |
| Noninterest expense to average assets | 3.0387% | 3,121 |
| Loan and lease loss provision to assets | 0.0650% | 4,609 |
| Net operating income to assets | 1.6619% | 774 |
| Return on assets (ROA) | 1.6619% | 862 |
| Pretax return on assets | 2.2560% | 488 |
| Return on Equity (ROE) | 11.7534% | 1,748 |
| Retained earnings to average equity (ytd only) | -14.2835% | 6,957 |
| Net charge-offs to loans | 0.0055% | 4,677 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 713.6667% | 31 |
| Efficiency ratio | 56.1489% | 6,107 |
| Assets per employee ($millions) | 3.3448% | 5,464 |
| Cash dividends to net income (ytd only)* | 221.5264% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 3,213 |
| Loan loss allowance to noncurrent loans | 1,006.8602% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 6,616 |
| Noncurrent loans to loans | 0.1722% | 6,334 |
| Net loans and leases to total assets | 59.8586% | 3,698 |
| Net loans and leases to deposits | 70.9889% | 3,593 |
| Net loans and leases to core deposits | 76.0398% | 3,613 |
| Total domestic deposits to total assets | 84.3211% | 4,361 |
| Equity capital to assets | 14.1633% | 963 |
| Core capital (leverage) ratio | 13.1755% | 1,062 |
| Tier 1 risk-based capital ratio | 19.1349% | 1,952 |
| Total risk-based capital ratio | 20.3481% | 1,929 |
| Memoranda: | ||
| Average total assets | $368,973,000 | 1,796 |
| Average earning assets | $330,750,500 | 1,828 |
| Average equity | $52,172,000 | 1,358 |
| Average total loans | $217,483,500 | 1,878 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2884% | 1,737 |
| Cost of funding earning assets | 0.4250% | 6,818 |
| Net interest margin | 4.8634% | 551 |
| Noninterest income to average assets | 1.1282% | 1,031 |
| Noninterest expense to average assets | 3.1545% | 3,012 |
| Loan and lease loss provision to assets | 0.1647% | 4,571 |
| Net operating income to assets | 1.6322% | 628 |
| Return on assets (ROA) | 1.6338% | 675 |
| Pretax return on assets | 2.2101% | 361 |
| Return on Equity (ROE) | 11.8309% | 1,454 |
| Retained earnings to average equity (ytd only) | 5.4174% | 2,357 |
| Net charge-offs to loans | 0.2467% | 4,235 |
| Credit loss provision to net charge-offs | 112.0527% | 2,950 |
| Earnings coverage of net charge-offs (x) | 16.1431% | 1,350 |
| Efficiency ratio | 56.5276% | 6,248 |
| Assets per employee ($millions) | 3.3337% | 5,423 |
| Cash dividends to net income (ytd only)* | 54.2097% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 3,034 |
| Loan loss allowance to noncurrent loans | 732.7485% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 6,451 |
| Noncurrent loans to loans | 0.2387% | 6,258 |
| Net loans and leases to total assets | 56.0540% | 4,688 |
| Net loans and leases to deposits | 66.3586% | 4,690 |
| Net loans and leases to core deposits | 70.6395% | 4,699 |
| Total domestic deposits to total assets | 84.4713% | 4,107 |
| Equity capital to assets | 14.1172% | 1,023 |
| Core capital (leverage) ratio | 13.6157% | 919 |
| Tier 1 risk-based capital ratio | 20.1640% | 1,601 |
| Total risk-based capital ratio | 21.3751% | 1,577 |
| Memoranda: | ||
| Average total assets | $361,295,600 | 1,798 |
| Average earning assets | $326,788,600 | 1,812 |
| Average equity | $49,894,600 | 1,365 |
| Average total loans | $215,228,800 | 1,910 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 1,713 |
| Cost of funding earning assets | 0.4490% | 6,883 |
| Net interest margin | 4.8913% | 520 |
| Noninterest income to average assets | 1.0739% | 1,167 |
| Noninterest expense to average assets | 3.1792% | 2,883 |
| Loan and lease loss provision to assets | 0.1231% | 4,900 |
| Net operating income to assets | 1.6278% | 741 |
| Return on assets (ROA) | 1.6301% | 807 |
| Pretax return on assets | 2.2037% | 422 |
| Return on Equity (ROE) | 11.8731% | 1,582 |
| Retained earnings to average equity (ytd only) | 3.1788% | 4,438 |
| Net charge-offs to loans | 0.1115% | 4,893 |
| Credit loss provision to net charge-offs | 183.3333% | 1,615 |
| Earnings coverage of net charge-offs (x) | 34.6117% | 843 |
| Efficiency ratio | 57.2155% | 6,113 |
| Assets per employee ($millions) | 3.0909% | 5,920 |
| Cash dividends to net income (ytd only)* | 73.2266% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 3,105 |
| Loan loss allowance to noncurrent loans | 245.5300% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 5,806 |
| Noncurrent loans to loans | 0.7125% | 5,451 |
| Net loans and leases to total assets | 60.7505% | 3,993 |
| Net loans and leases to deposits | 72.4573% | 3,904 |
| Net loans and leases to core deposits | 77.8648% | 3,927 |
| Total domestic deposits to total assets | 83.8432% | 4,305 |
| Equity capital to assets | 14.5352% | 979 |
| Core capital (leverage) ratio | 13.4184% | 1,072 |
| Tier 1 risk-based capital ratio | 19.0927% | 1,900 |
| Total risk-based capital ratio | 20.2849% | 1,899 |
| Memoranda: | ||
| Average total assets | $357,443,750 | 1,818 |
| Average earning assets | $323,671,000 | 1,836 |
| Average equity | $49,073,250 | 1,393 |
| Average total loans | $215,307,000 | 1,926 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 1,717 |
| Cost of funding earning assets | 0.4712% | 6,945 |
| Net interest margin | 4.8791% | 512 |
| Noninterest income to average assets | 1.0796% | 1,116 |
| Noninterest expense to average assets | 3.1711% | 3,000 |
| Loan and lease loss provision to assets | 0.1564% | 4,355 |
| Net operating income to assets | 1.6025% | 731 |
| Return on assets (ROA) | 1.6045% | 768 |
| Pretax return on assets | 2.1675% | 435 |
| Return on Equity (ROE) | 11.9189% | 1,518 |
| Retained earnings to average equity (ytd only) | -1.2529% | 6,104 |
| Net charge-offs to loans | 0.1684% | 4,169 |
| Credit loss provision to net charge-offs | 155.5556% | 1,955 |
| Earnings coverage of net charge-offs (x) | 23.0889% | 1,100 |
| Efficiency ratio | 57.1893% | 6,271 |
| Assets per employee ($millions) | 3.1249% | 5,821 |
| Cash dividends to net income (ytd only)* | 110.5117% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 3,005 |
| Loan loss allowance to noncurrent loans | 290.8046% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 6,050 |
| Noncurrent loans to loans | 0.6181% | 5,689 |
| Net loans and leases to total assets | 58.2061% | 4,589 |
| Net loans and leases to deposits | 68.7511% | 4,595 |
| Net loans and leases to core deposits | 74.1776% | 4,559 |
| Total domestic deposits to total assets | 84.6620% | 4,046 |
| Equity capital to assets | 13.8213% | 1,160 |
| Core capital (leverage) ratio | 12.8956% | 1,201 |
| Tier 1 risk-based capital ratio | 18.8744% | 1,880 |
| Total risk-based capital ratio | 20.0787% | 1,867 |
| Memoranda: | ||
| Average total assets | $358,107,000 | 1,830 |
| Average earning assets | $323,868,670 | 1,839 |
| Average equity | $48,209,000 | 1,402 |
| Average total loans | $213,814,330 | 1,960 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3655% | 1,687 |
| Cost of funding earning assets | 0.4848% | 7,026 |
| Net interest margin | 4.8808% | 484 |
| Noninterest income to average assets | 0.9793% | 1,390 |
| Noninterest expense to average assets | 3.1673% | 3,001 |
| Loan and lease loss provision to assets | 0.1671% | 3,955 |
| Net operating income to assets | 1.5366% | 808 |
| Return on assets (ROA) | 1.5408% | 836 |
| Pretax return on assets | 2.0699% | 494 |
| Return on Equity (ROE) | 11.5986% | 1,574 |
| Retained earnings to average equity (ytd only) | -15.0287% | 7,047 |
| Net charge-offs to loans | 0.1636% | 3,501 |
| Credit loss provision to net charge-offs | 170.4545% | 1,692 |
| Earnings coverage of net charge-offs (x) | 22.7614% | 1,041 |
| Efficiency ratio | 58.1098% | 6,255 |
| Assets per employee ($millions) | 3.2291% | 5,648 |
| Cash dividends to net income (ytd only)* | 229.5734% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 3,398 |
| Loan loss allowance to noncurrent loans | 222.8589% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 6,016 |
| Noncurrent loans to loans | 0.7557% | 5,515 |
| Net loans and leases to total assets | 58.9099% | 4,479 |
| Net loans and leases to deposits | 68.9899% | 4,530 |
| Net loans and leases to core deposits | 74.5172% | 4,484 |
| Total domestic deposits to total assets | 85.3892% | 3,840 |
| Equity capital to assets | 13.1145% | 1,332 |
| Core capital (leverage) ratio | 12.2785% | 1,415 |
| Tier 1 risk-based capital ratio | 18.3105% | 2,015 |
| Total risk-based capital ratio | 19.4750% | 2,004 |
| Memoranda: | ||
| Average total assets | $359,043,500 | 1,830 |
| Average earning assets | $325,113,000 | 1,847 |
| Average equity | $47,695,500 | 1,404 |
| Average total loans | $215,149,000 | 1,970 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 2,183 |
| Cost of funding earning assets | 0.5864% | 7,152 |
| Net interest margin | 4.9387% | 499 |
| Noninterest income to average assets | 1.0408% | 1,385 |
| Noninterest expense to average assets | 3.2051% | 3,073 |
| Loan and lease loss provision to assets | 0.1762% | 5,467 |
| Net operating income to assets | 1.5610% | 671 |
| Return on assets (ROA) | 1.5651% | 725 |
| Pretax return on assets | 2.1299% | 371 |
| Return on Equity (ROE) | 11.2973% | 1,503 |
| Retained earnings to average equity (ytd only) | 3.3093% | 3,553 |
| Net charge-offs to loans | 0.0547% | 6,242 |
| Credit loss provision to net charge-offs | 550.4587% | 406 |
| Earnings coverage of net charge-offs (x) | 71.8624% | 335 |
| Efficiency ratio | 58.0230% | 6,332 |
| Assets per employee ($millions) | 3.1275% | 5,826 |
| Cash dividends to net income (ytd only)* | 70.7074% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 3,400 |
| Loan loss allowance to noncurrent loans | 1,615.9091% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 6,978 |
| Noncurrent loans to loans | 0.1021% | 6,883 |
| Net loans and leases to total assets | 58.9382% | 4,859 |
| Net loans and leases to deposits | 69.2731% | 4,915 |
| Net loans and leases to core deposits | 73.9080% | 4,990 |
| Total domestic deposits to total assets | 85.0809% | 3,811 |
| Equity capital to assets | 13.4530% | 1,192 |
| Core capital (leverage) ratio | 12.9790% | 1,135 |
| Tier 1 risk-based capital ratio | 19.5553% | 1,585 |
| Total risk-based capital ratio | 20.7662% | 1,563 |
| Memoranda: | ||
| Average total assets | $340,492,800 | 1,919 |
| Average earning assets | $307,815,200 | 1,938 |
| Average equity | $47,170,400 | 1,419 |
| Average total loans | $199,289,800 | 2,159 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5573% | 2,226 |
| Cost of funding earning assets | 0.6080% | 7,270 |
| Net interest margin | 4.9493% | 487 |
| Noninterest income to average assets | 1.0473% | 1,314 |
| Noninterest expense to average assets | 3.1829% | 2,990 |
| Loan and lease loss provision to assets | 0.1827% | 5,220 |
| Net operating income to assets | 1.5763% | 775 |
| Return on assets (ROA) | 1.5815% | 844 |
| Pretax return on assets | 2.1570% | 448 |
| Return on Equity (ROE) | 11.3283% | 1,689 |
| Retained earnings to average equity (ytd only) | 0.8648% | 5,452 |
| Net charge-offs to loans | 0.0703% | 5,809 |
| Credit loss provision to net charge-offs | 446.6019% | 674 |
| Earnings coverage of net charge-offs (x) | 57.0194% | 506 |
| Efficiency ratio | 57.6438% | 6,318 |
| Assets per employee ($millions) | 3.1039% | 5,913 |
| Cash dividends to net income (ytd only)* | 92.3657% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 3,234 |
| Loan loss allowance to noncurrent loans | 1,569.2661% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 7,098 |
| Noncurrent loans to loans | 0.1068% | 6,973 |
| Net loans and leases to total assets | 57.2288% | 5,371 |
| Net loans and leases to deposits | 67.7520% | 5,456 |
| Net loans and leases to core deposits | 72.1549% | 5,493 |
| Total domestic deposits to total assets | 84.4681% | 3,889 |
| Equity capital to assets | 13.8754% | 1,206 |
| Core capital (leverage) ratio | 13.3699% | 1,097 |
| Tier 1 risk-based capital ratio | 20.1440% | 1,520 |
| Total risk-based capital ratio | 21.3525% | 1,492 |
| Memoranda: | ||
| Average total assets | $335,701,000 | 1,971 |
| Average earning assets | $303,064,750 | 1,987 |
| Average equity | $46,866,750 | 1,440 |
| Average total loans | $195,229,250 | 2,234 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 2,152 |
| Cost of funding earning assets | 0.6335% | 7,330 |
| Net interest margin | 4.9618% | 458 |
| Noninterest income to average assets | 1.0596% | 1,196 |
| Noninterest expense to average assets | 3.1456% | 3,117 |
| Loan and lease loss provision to assets | 0.1693% | 5,182 |
| Net operating income to assets | 1.6159% | 698 |
| Return on assets (ROA) | 1.6239% | 740 |
| Pretax return on assets | 2.2275% | 390 |
| Return on Equity (ROE) | 11.6065% | 1,560 |
| Retained earnings to average equity (ytd only) | -4.1844% | 6,462 |
| Net charge-offs to loans | 0.0863% | 5,278 |
| Credit loss provision to net charge-offs | 337.3494% | 1,077 |
| Earnings coverage of net charge-offs (x) | 47.5301% | 625 |
| Efficiency ratio | 56.8664% | 6,523 |
| Assets per employee ($millions) | 3.2133% | 5,653 |
| Cash dividends to net income (ytd only)* | 136.0521% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 3,124 |
| Loan loss allowance to noncurrent loans | 997.2477% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 7,120 |
| Noncurrent loans to loans | 0.1692% | 6,918 |
| Net loans and leases to total assets | 57.3973% | 5,507 |
| Net loans and leases to deposits | 68.1994% | 5,539 |
| Net loans and leases to core deposits | 72.8086% | 5,585 |
| Total domestic deposits to total assets | 84.1610% | 4,035 |
| Equity capital to assets | 14.0911% | 1,134 |
| Core capital (leverage) ratio | 13.4262% | 1,084 |
| Tier 1 risk-based capital ratio | 20.5386% | 1,424 |
| Total risk-based capital ratio | 21.7560% | 1,399 |
| Memoranda: | ||
| Average total assets | $330,689,330 | 2,009 |
| Average earning assets | $298,038,330 | 2,038 |
| Average equity | $46,267,000 | 1,454 |
| Average total loans | $192,258,000 | 2,294 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5391% | 2,413 |
| Cost of funding earning assets | 0.6623% | 7,411 |
| Net interest margin | 4.8768% | 551 |
| Noninterest income to average assets | 1.0225% | 1,227 |
| Noninterest expense to average assets | 3.1536% | 3,039 |
| Loan and lease loss provision to assets | 0.1210% | 5,371 |
| Net operating income to assets | 1.5707% | 792 |
| Return on assets (ROA) | 1.5707% | 847 |
| Pretax return on assets | 2.1407% | 462 |
| Return on Equity (ROE) | 11.2670% | 1,700 |
| Retained earnings to average equity (ytd only) | -20.2250% | 7,380 |
| Net charge-offs to loans | 0.1752% | 3,871 |
| Credit loss provision to net charge-offs | 119.0476% | 2,927 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,096 |
| Efficiency ratio | 58.2346% | 6,454 |
| Assets per employee ($millions) | 3.1059% | 5,986 |
| Cash dividends to net income (ytd only)* | 279.5069% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 3,359 |
| Loan loss allowance to noncurrent loans | 1,006.5359% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 7,225 |
| Noncurrent loans to loans | 0.1611% | 7,017 |
| Net loans and leases to total assets | 56.7526% | 5,645 |
| Net loans and leases to deposits | 67.1187% | 5,696 |
| Net loans and leases to core deposits | 72.2648% | 5,683 |
| Total domestic deposits to total assets | 84.5556% | 3,870 |
| Equity capital to assets | 13.7063% | 1,239 |
| Core capital (leverage) ratio | 12.9072% | 1,241 |
| Tier 1 risk-based capital ratio | 21.0476% | 1,334 |
| Total risk-based capital ratio | 22.2705% | 1,310 |
| Memoranda: | ||
| Average total assets | $330,547,000 | 2,062 |
| Average earning assets | $297,736,000 | 2,092 |
| Average equity | $46,081,500 | 1,459 |
| Average total loans | $191,771,500 | 2,353 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9855% | 1,926 |
| Cost of funding earning assets | 0.9364% | 7,333 |
| Net interest margin | 5.0492% | 408 |
| Noninterest income to average assets | 1.1637% | 1,136 |
| Noninterest expense to average assets | 3.2409% | 3,227 |
| Loan and lease loss provision to assets | 0.1098% | 6,549 |
| Net operating income to assets | 1.7059% | 431 |
| Return on assets (ROA) | 1.7164% | 454 |
| Pretax return on assets | 2.3588% | 198 |
| Return on Equity (ROE) | 12.2747% | 1,094 |
| Retained earnings to average equity (ytd only) | 6.0589% | 1,326 |
| Net charge-offs to loans | 0.0953% | 6,181 |
| Credit loss provision to net charge-offs | 191.2568% | 2,087 |
| Earnings coverage of net charge-offs (x) | 42.7541% | 586 |
| Efficiency ratio | 56.9068% | 6,901 |
| Assets per employee ($millions) | 3.1606% | 5,824 |
| Cash dividends to net income (ytd only)* | 50.6396% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 3,352 |
| Loan loss allowance to noncurrent loans | 646.4135% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 6,889 |
| Noncurrent loans to loans | 0.2448% | 6,813 |
| Net loans and leases to total assets | 57.4188% | 5,756 |
| Net loans and leases to deposits | 68.6926% | 5,755 |
| Net loans and leases to core deposits | 84.3223% | 5,685 |
| Total domestic deposits to total assets | 83.5880% | 4,238 |
| Equity capital to assets | 14.1738% | 1,115 |
| Core capital (leverage) ratio | 13.9887% | 984 |
| Tier 1 risk-based capital ratio | 20.9798% | 1,297 |
| Total risk-based capital ratio | 22.2056% | 1,273 |
| Memoranda: | ||
| Average total assets | $318,804,800 | 2,116 |
| Average earning assets | $286,106,200 | 2,151 |
| Average equity | $44,579,400 | 1,502 |
| Average total loans | $191,955,800 | 2,381 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0568% | 1,807 |
| Cost of funding earning assets | 0.9977% | 7,390 |
| Net interest margin | 5.0591% | 401 |
| Noninterest income to average assets | 1.1747% | 1,131 |
| Noninterest expense to average assets | 3.2595% | 3,082 |
| Loan and lease loss provision to assets | 0.0845% | 6,518 |
| Net operating income to assets | 1.7250% | 532 |
| Return on assets (ROA) | 1.7346% | 556 |
| Pretax return on assets | 2.3819% | 242 |
| Return on Equity (ROE) | 12.4491% | 1,253 |
| Retained earnings to average equity (ytd only) | 4.0456% | 3,016 |
| Net charge-offs to loans | 0.0411% | 6,326 |
| Credit loss provision to net charge-offs | 338.9831% | 1,209 |
| Earnings coverage of net charge-offs (x) | 98.4127% | 364 |
| Efficiency ratio | 57.0562% | 6,866 |
| Assets per employee ($millions) | 2.7711% | 6,700 |
| Cash dividends to net income (ytd only)* | 67.5029% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,377 |
| Loan loss allowance to noncurrent loans | 452.4316% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 6,733 |
| Noncurrent loans to loans | 0.3340% | 6,692 |
| Net loans and leases to total assets | 61.9618% | 5,250 |
| Net loans and leases to deposits | 74.9347% | 5,220 |
| Net loans and leases to core deposits | 93.5867% | 5,061 |
| Total domestic deposits to total assets | 82.6877% | 4,369 |
| Equity capital to assets | 14.6895% | 1,095 |
| Core capital (leverage) ratio | 13.9995% | 1,093 |
| Tier 1 risk-based capital ratio | 20.6326% | 1,434 |
| Total risk-based capital ratio | 21.8432% | 1,394 |
| Memoranda: | ||
| Average total assets | $315,539,250 | 2,144 |
| Average earning assets | $283,047,000 | 2,181 |
| Average equity | $43,964,750 | 1,544 |
| Average total loans | $191,540,250 | 2,413 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 2,002 |
| Cost of funding earning assets | 1.0460% | 7,472 |
| Net interest margin | 4.9976% | 428 |
| Noninterest income to average assets | 1.0944% | 1,326 |
| Noninterest expense to average assets | 3.2231% | 3,258 |
| Loan and lease loss provision to assets | 0.0632% | 6,579 |
| Net operating income to assets | 1.6400% | 632 |
| Return on assets (ROA) | 1.6400% | 696 |
| Pretax return on assets | 2.2817% | 306 |
| Return on Equity (ROE) | 11.9851% | 1,415 |
| Retained earnings to average equity (ytd only) | -0.5868% | 5,371 |
| Net charge-offs to loans | -0.0063% | 7,555 |
| Credit loss provision to net charge-offs | -1,666.6667% | 7,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8858% | 6,880 |
| Assets per employee ($millions) | 2.8478% | 6,518 |
| Cash dividends to net income (ytd only)* | 104.8959% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 2,946 |
| Loan loss allowance to noncurrent loans | 492.2951% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 7,040 |
| Noncurrent loans to loans | 0.3152% | 6,720 |
| Net loans and leases to total assets | 60.8273% | 5,547 |
| Net loans and leases to deposits | 72.8006% | 5,632 |
| Net loans and leases to core deposits | 90.8642% | 5,465 |
| Total domestic deposits to total assets | 83.5533% | 3,988 |
| Equity capital to assets | 13.8469% | 1,370 |
| Core capital (leverage) ratio | 13.4609% | 1,284 |
| Tier 1 risk-based capital ratio | 20.1856% | 1,539 |
| Total risk-based capital ratio | 21.4079% | 1,510 |
| Memoranda: | ||
| Average total assets | $316,340,670 | 2,165 |
| Average earning assets | $283,176,000 | 2,208 |
| Average equity | $43,287,000 | 1,573 |
| Average total loans | $189,720,000 | 2,460 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0216% | 2,273 |
| Cost of funding earning assets | 1.0997% | 7,525 |
| Net interest margin | 4.9219% | 480 |
| Noninterest income to average assets | 1.0633% | 1,313 |
| Noninterest expense to average assets | 3.1219% | 3,298 |
| Loan and lease loss provision to assets | 0.0503% | 6,342 |
| Net operating income to assets | 1.6371% | 742 |
| Return on assets (ROA) | 1.6371% | 812 |
| Pretax return on assets | 2.2952% | 368 |
| Return on Equity (ROE) | 12.0345% | 1,648 |
| Retained earnings to average equity (ytd only) | -13.1352% | 7,334 |
| Net charge-offs to loans | -0.0085% | 7,257 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1001% | 6,810 |
| Assets per employee ($millions) | 2.9109% | 6,387 |
| Cash dividends to net income (ytd only)* | 209.1468% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 2,641 |
| Loan loss allowance to noncurrent loans | 499.3209% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 6,980 |
| Noncurrent loans to loans | 0.3147% | 6,654 |
| Net loans and leases to total assets | 58.0614% | 5,929 |
| Net loans and leases to deposits | 69.0498% | 6,070 |
| Net loans and leases to core deposits | 85.4877% | 5,950 |
| Total domestic deposits to total assets | 84.0862% | 3,666 |
| Equity capital to assets | 13.4078% | 1,567 |
| Core capital (leverage) ratio | 13.1565% | 1,432 |
| Tier 1 risk-based capital ratio | 20.1954% | 1,584 |
| Total risk-based capital ratio | 21.3920% | 1,553 |
| Memoranda: | ||
| Average total assets | $317,884,000 | 2,171 |
| Average earning assets | $284,441,500 | 2,216 |
| Average equity | $43,242,500 | 1,579 |
| Average total loans | $187,806,500 | 2,498 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5906% | 2,534 |
| Cost of funding earning assets | 1.6442% | 7,364 |
| Net interest margin | 4.9464% | 573 |
| Noninterest income to average assets | 1.2049% | 1,025 |
| Noninterest expense to average assets | 3.2538% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6508% | 747 |
| Return on assets (ROA) | 1.6542% | 708 |
| Pretax return on assets | 2.3412% | 276 |
| Return on Equity (ROE) | 12.3321% | 1,504 |
| Retained earnings to average equity (ytd only) | 4.6803% | 2,215 |
| Net charge-offs to loans | 0.0727% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 52.7518% | 738 |
| Efficiency ratio | 58.2061% | 6,660 |
| Assets per employee ($millions) | 3.0046% | 6,051 |
| Cash dividends to net income (ytd only)* | 62.0481% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 2,512 |
| Loan loss allowance to noncurrent loans | 564.7173% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 6,925 |
| Noncurrent loans to loans | 0.2722% | 6,561 |
| Net loans and leases to total assets | 58.2621% | 6,166 |
| Net loans and leases to deposits | 69.4983% | 6,325 |
| Net loans and leases to core deposits | 86.1336% | 6,124 |
| Total domestic deposits to total assets | 83.8324% | 3,409 |
| Equity capital to assets | 13.7979% | 1,496 |
| Core capital (leverage) ratio | 13.6958% | 1,334 |
| Tier 1 risk-based capital ratio | 20.7300% | 1,499 |
| Total risk-based capital ratio | 21.9181% | 1,481 |
| Memoranda: | ||
| Average total assets | $309,332,800 | 2,157 |
| Average earning assets | $274,238,200 | 2,203 |
| Average equity | $41,493,400 | 1,612 |
| Average total loans | $188,539,400 | 2,417 |