Home > Crockett National Bank > Performance and Condition Ratios
Crockett National Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 1,957 |
| Cost of funding earning assets | 0.1869% | 3,433 |
| Net interest margin | 3.5422% | 1,540 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.8331% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7325% | 491 |
| Return on assets (ROA) | 1.7325% | 479 |
| Pretax return on assets | 1.7325% | 845 |
| Return on Equity (ROE) | 11.1100% | 2,331 |
| Retained earnings to average equity (ytd only) | 1.0059% | 4,212 |
| Net charge-offs to loans | 0.0397% | 1,097 |
| Credit loss provision to net charge-offs | -2.3810% | 4,608 |
| Earnings coverage of net charge-offs (x) | 63.0238% | 1,145 |
| Efficiency ratio | 51.4193% | 4,050 |
| Assets per employee ($millions) | 9.3123% | 803 |
| Cash dividends to net income (ytd only)* | 90.9491% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 2,649 |
| Loan loss allowance to noncurrent loans | 817.0732% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 2,882 |
| Noncurrent loans to loans | 0.1441% | 2,896 |
| Net loans and leases to total assets | 74.2400% | 1,073 |
| Net loans and leases to deposits | 89.9111% | 893 |
| Net loans and leases to core deposits | 102.5245% | 718 |
| Total domestic deposits to total assets | 82.5700% | 3,744 |
| Equity capital to assets | 16.6660% | 341 |
| Core capital (leverage) ratio | 15.9429% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7142% | 449 |
| Memoranda: | ||
| Average total assets | $611,342,000 | 1,462 |
| Average earning assets | $593,371,750 | 1,407 |
| Average equity | $95,301,000 | 989 |
| Average total loans | $423,566,000 | 1,323 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4558% | 2,276 |
| Cost of funding earning assets | 0.1468% | 3,618 |
| Net interest margin | 3.3090% | 1,882 |
| Noninterest income to average assets | 0.1243% | 4,375 |
| Noninterest expense to average assets | 1.6910% | 4,156 |
| Loan and lease loss provision to assets | -0.0010% | 4,359 |
| Net operating income to assets | 1.6472% | 489 |
| Return on assets (ROA) | 1.6472% | 478 |
| Pretax return on assets | 1.6472% | 854 |
| Return on Equity (ROE) | 10.7925% | 2,055 |
| Retained earnings to average equity (ytd only) | 6.4223% | 2,198 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6704% | 4,209 |
| Assets per employee ($millions) | 10.0611% | 644 |
| Cash dividends to net income (ytd only)* | 40.4928% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,516 |
| Loan loss allowance to noncurrent loans | 512.1272% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 2,557 |
| Noncurrent loans to loans | 0.2407% | 2,520 |
| Net loans and leases to total assets | 67.2727% | 1,553 |
| Net loans and leases to deposits | 81.3433% | 1,290 |
| Net loans and leases to core deposits | 92.1024% | 1,012 |
| Total domestic deposits to total assets | 82.7022% | 3,916 |
| Equity capital to assets | 15.8116% | 348 |
| Core capital (leverage) ratio | 15.5910% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7587% | 377 |
| Memoranda: | ||
| Average total assets | $625,773,000 | 1,444 |
| Average earning assets | $607,616,333 | 1,388 |
| Average equity | $95,511,000 | 993 |
| Average total loans | $422,510,333 | 1,322 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3484% | 2,245 |
| Cost of funding earning assets | 0.1208% | 3,889 |
| Net interest margin | 3.2277% | 1,795 |
| Noninterest income to average assets | 0.1235% | 4,390 |
| Noninterest expense to average assets | 1.6543% | 4,202 |
| Loan and lease loss provision to assets | 0.0006% | 2,280 |
| Net operating income to assets | 1.5986% | 511 |
| Return on assets (ROA) | 1.5986% | 510 |
| Pretax return on assets | 1.5986% | 830 |
| Return on Equity (ROE) | 10.6600% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.3496% | 2,128 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8465% | 4,268 |
| Assets per employee ($millions) | 10.3588% | 623 |
| Cash dividends to net income (ytd only)* | 40.4356% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,653 |
| Loan loss allowance to noncurrent loans | 859.3333% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 3,140 |
| Noncurrent loans to loans | 0.1443% | 3,086 |
| Net loans and leases to total assets | 64.9945% | 1,505 |
| Net loans and leases to deposits | 78.6439% | 1,238 |
| Net loans and leases to core deposits | 89.2103% | 956 |
| Total domestic deposits to total assets | 82.6440% | 3,988 |
| Equity capital to assets | 15.1114% | 383 |
| Core capital (leverage) ratio | 15.0253% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9534% | 385 |
| Memoranda: | ||
| Average total assets | $631,796,500 | 1,430 |
| Average earning assets | $612,702,000 | 1,386 |
| Average equity | $94,746,500 | 1,025 |
| Average total loans | $424,754,500 | 1,310 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1555% | 3,571 |
| Cost of funding earning assets | 0.1373% | 4,089 |
| Net interest margin | 3.0182% | 3,150 |
| Noninterest income to average assets | 0.2355% | 3,969 |
| Noninterest expense to average assets | 1.5254% | 4,512 |
| Loan and lease loss provision to assets | -0.1982% | 4,698 |
| Net operating income to assets | 1.7599% | 558 |
| Return on assets (ROA) | 4.5999% | 52 |
| Pretax return on assets | 4.5999% | 63 |
| Return on Equity (ROE) | 35.0545% | 42 |
| Retained earnings to average equity (ytd only) | -7.6127% | 4,740 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4116% | 4,331 |
| Assets per employee ($millions) | 9.7186% | 723 |
| Cash dividends to net income (ytd only)* | 121.7168% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 2,936 |
| Loan loss allowance to noncurrent loans | 1,729.8658% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,659 |
| Noncurrent loans to loans | 0.0687% | 3,599 |
| Net loans and leases to total assets | 67.8331% | 1,287 |
| Net loans and leases to deposits | 83.1640% | 976 |
| Net loans and leases to core deposits | 94.7469% | 746 |
| Total domestic deposits to total assets | 81.5655% | 4,033 |
| Equity capital to assets | 14.8813% | 509 |
| Core capital (leverage) ratio | 15.3936% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1438% | 432 |
| Memoranda: | ||
| Average total assets | $756,992,400 | 1,211 |
| Average earning assets | $715,204,800 | 1,195 |
| Average equity | $99,333,800 | 1,017 |
| Average total loans | $544,120,600 | 1,093 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 2,769 |
| Cost of funding earning assets | 0.5950% | 654 |
| Net interest margin | 2.9241% | 3,496 |
| Noninterest income to average assets | 15.2928% | 48 |
| Noninterest expense to average assets | 11.3926% | 63 |
| Loan and lease loss provision to assets | 0.0062% | 2,851 |
| Net operating income to assets | 6.6444% | 33 |
| Return on assets (ROA) | 3.9778% | 68 |
| Pretax return on assets | 3.9778% | 88 |
| Return on Equity (ROE) | 31.1505% | 81 |
| Retained earnings to average equity (ytd only) | -18.9838% | 4,880 |
| Net charge-offs to loans | -0.0035% | 3,338 |
| Credit loss provision to net charge-offs | -246.6667% | 3,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1406% | 2,516 |
| Assets per employee ($millions) | 1.8514% | 4,848 |
| Cash dividends to net income (ytd only)* | 160.9422% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,440 |
| Loan loss allowance to noncurrent loans | 1,003.0347% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,485 |
| Noncurrent loans to loans | 0.1306% | 3,455 |
| Net loans and leases to total assets | 69.3964% | 1,148 |
| Net loans and leases to deposits | 101.5724% | 194 |
| Net loans and leases to core deposits | 115.9902% | 227 |
| Total domestic deposits to total assets | 68.3221% | 4,772 |
| Equity capital to assets | 11.5774% | 1,622 |
| Core capital (leverage) ratio | 11.1186% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0107% | 812 |
| Memoranda: | ||
| Average total assets | $788,314,000 | 1,185 |
| Average earning assets | $741,498,750 | 1,173 |
| Average equity | $100,665,750 | 1,023 |
| Average total loans | $571,735,500 | 1,076 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 2,820 |
| Cost of funding earning assets | 0.6145% | 693 |
| Net interest margin | 2.9127% | 3,549 |
| Noninterest income to average assets | 14.4712% | 49 |
| Noninterest expense to average assets | 10.9910% | 62 |
| Loan and lease loss provision to assets | 0.0088% | 2,747 |
| Net operating income to assets | 6.2090% | 40 |
| Return on assets (ROA) | 3.9215% | 71 |
| Pretax return on assets | 3.9215% | 92 |
| Return on Equity (ROE) | 29.8342% | 96 |
| Retained earnings to average equity (ytd only) | 11.3657% | 1,043 |
| Net charge-offs to loans | -0.0055% | 3,460 |
| Credit loss provision to net charge-offs | -218.7500% | 3,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8688% | 2,449 |
| Assets per employee ($millions) | 1.9760% | 4,883 |
| Cash dividends to net income (ytd only)* | 61.9039% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 3,028 |
| Loan loss allowance to noncurrent loans | 517.9851% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 3,149 |
| Noncurrent loans to loans | 0.2286% | 3,145 |
| Net loans and leases to total assets | 72.2015% | 941 |
| Net loans and leases to deposits | 106.2910% | 156 |
| Net loans and leases to core deposits | 120.6160% | 211 |
| Total domestic deposits to total assets | 67.9282% | 4,791 |
| Equity capital to assets | 13.4057% | 842 |
| Core capital (leverage) ratio | 12.7126% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9178% | 548 |
| Memoranda: | ||
| Average total assets | $799,906,000 | 1,157 |
| Average earning assets | $751,809,000 | 1,151 |
| Average equity | $105,141,000 | 980 |
| Average total loans | $585,691,000 | 1,052 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5589% | 2,767 |
| Cost of funding earning assets | 0.5590% | 1,055 |
| Net interest margin | 2.9999% | 3,254 |
| Noninterest income to average assets | 13.7447% | 53 |
| Noninterest expense to average assets | 10.3539% | 66 |
| Loan and lease loss provision to assets | 0.0331% | 2,336 |
| Net operating income to assets | 6.1743% | 45 |
| Return on assets (ROA) | 3.9558% | 86 |
| Pretax return on assets | 3.9558% | 106 |
| Return on Equity (ROE) | 30.3989% | 133 |
| Retained earnings to average equity (ytd only) | 18.1993% | 359 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5189% | 2,670 |
| Assets per employee ($millions) | 2.2468% | 4,892 |
| Cash dividends to net income (ytd only)* | 40.1317% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 3,002 |
| Loan loss allowance to noncurrent loans | 959.4483% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 3,761 |
| Noncurrent loans to loans | 0.1235% | 3,696 |
| Net loans and leases to total assets | 69.0089% | 1,409 |
| Net loans and leases to deposits | 106.5085% | 165 |
| Net loans and leases to core deposits | 120.9434% | 230 |
| Total domestic deposits to total assets | 64.7919% | 4,852 |
| Equity capital to assets | 12.6504% | 1,012 |
| Core capital (leverage) ratio | 13.7627% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4700% | 557 |
| Memoranda: | ||
| Average total assets | $798,736,000 | 1,146 |
| Average earning assets | $749,895,000 | 1,141 |
| Average equity | $103,938,000 | 976 |
| Average total loans | $585,449,000 | 1,057 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,347 |
| Cost of funding earning assets | 0.8398% | 1,058 |
| Net interest margin | 3.6466% | 1,990 |
| Noninterest income to average assets | 15.5511% | 50 |
| Noninterest expense to average assets | 11.1344% | 67 |
| Loan and lease loss provision to assets | -0.0973% | 4,954 |
| Net operating income to assets | 7.9007% | 27 |
| Return on assets (ROA) | 4.8939% | 44 |
| Pretax return on assets | 4.8939% | 60 |
| Return on Equity (ROE) | 37.0653% | 43 |
| Retained earnings to average equity (ytd only) | 17.6950% | 94 |
| Net charge-offs to loans | 0.0009% | 3,400 |
| Credit loss provision to net charge-offs | -13,620.0000% | 4,433 |
| Earnings coverage of net charge-offs (x) | 10,921.8000% | 6 |
| Efficiency ratio | 58.7947% | 3,617 |
| Assets per employee ($millions) | 2.0519% | 4,921 |
| Cash dividends to net income (ytd only)* | 52.2600% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 3,059 |
| Loan loss allowance to noncurrent loans | 929.6896% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 3,822 |
| Noncurrent loans to loans | 0.1269% | 3,775 |
| Net loans and leases to total assets | 76.2273% | 759 |
| Net loans and leases to deposits | 118.3876% | 85 |
| Net loans and leases to core deposits | 136.7355% | 144 |
| Total domestic deposits to total assets | 64.3879% | 4,877 |
| Equity capital to assets | 13.4150% | 959 |
| Core capital (leverage) ratio | 13.8767% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5687% | 622 |
| Memoranda: | ||
| Average total assets | $699,813,400 | 1,181 |
| Average earning assets | $649,925,000 | 1,181 |
| Average equity | $92,399,000 | 1,034 |
| Average total loans | $582,458,000 | 1,005 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6693% | 1,137 |
| Cost of funding earning assets | 0.9045% | 1,060 |
| Net interest margin | 3.7648% | 1,724 |
| Noninterest income to average assets | 14.0218% | 54 |
| Noninterest expense to average assets | 10.7560% | 69 |
| Loan and lease loss provision to assets | 0.2417% | 1,681 |
| Net operating income to assets | 6.5142% | 32 |
| Return on assets (ROA) | 4.0648% | 51 |
| Pretax return on assets | 4.0648% | 64 |
| Return on Equity (ROE) | 30.9230% | 59 |
| Retained earnings to average equity (ytd only) | 18.3011% | 108 |
| Net charge-offs to loans | 0.0005% | 3,233 |
| Credit loss provision to net charge-offs | 62,150.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 17,367.0000% | 3 |
| Efficiency ratio | 61.4208% | 3,155 |
| Assets per employee ($millions) | 1.9316% | 4,961 |
| Cash dividends to net income (ytd only)* | 40.8173% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,429 |
| Loan loss allowance to noncurrent loans | 1,155.5701% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 3,881 |
| Noncurrent loans to loans | 0.1286% | 3,871 |
| Net loans and leases to total assets | 84.5442% | 237 |
| Net loans and leases to deposits | 128.7318% | 59 |
| Net loans and leases to core deposits | 150.7598% | 111 |
| Total domestic deposits to total assets | 65.6746% | 4,858 |
| Equity capital to assets | 14.1126% | 823 |
| Core capital (leverage) ratio | 13.6810% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1676% | 768 |
| Memoranda: | ||
| Average total assets | $685,477,000 | 1,179 |
| Average earning assets | $635,478,250 | 1,185 |
| Average equity | $90,105,500 | 1,047 |
| Average total loans | $582,059,750 | 998 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,528 |
| Cost of funding earning assets | 0.9797% | 1,046 |
| Net interest margin | 3.6732% | 2,259 |
| Noninterest income to average assets | 10.5729% | 63 |
| Noninterest expense to average assets | 9.7898% | 77 |
| Loan and lease loss provision to assets | 0.5338% | 644 |
| Net operating income to assets | 3.6613% | 57 |
| Return on assets (ROA) | 2.4911% | 153 |
| Pretax return on assets | 2.4911% | 216 |
| Return on Equity (ROE) | 19.4337% | 273 |
| Retained earnings to average equity (ytd only) | 11.3525% | 556 |
| Net charge-offs to loans | 0.0007% | 3,016 |
| Credit loss provision to net charge-offs | 91,200.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 7,168.0000% | 4 |
| Efficiency ratio | 70.0027% | 1,958 |
| Assets per employee ($millions) | 2.1850% | 4,980 |
| Cash dividends to net income (ytd only)* | 41.5835% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 1,114 |
| Loan loss allowance to noncurrent loans | 266.5816% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 2,369 |
| Noncurrent loans to loans | 0.5830% | 2,408 |
| Net loans and leases to total assets | 83.0550% | 324 |
| Net loans and leases to deposits | 124.1884% | 71 |
| Net loans and leases to core deposits | 144.2487% | 138 |
| Total domestic deposits to total assets | 66.8782% | 4,867 |
| Equity capital to assets | 12.5853% | 1,344 |
| Core capital (leverage) ratio | 12.6475% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4940% | 1,135 |
| Memoranda: | ||
| Average total assets | $683,465,333 | 1,169 |
| Average earning assets | $634,866,333 | 1,163 |
| Average equity | $87,610,667 | 1,056 |
| Average total loans | $578,263,000 | 989 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 1,080 |
| Cost of funding earning assets | 0.7929% | 2,437 |
| Net interest margin | 4.1514% | 1,023 |
| Noninterest income to average assets | 9.4630% | 59 |
| Noninterest expense to average assets | 9.2602% | 84 |
| Loan and lease loss provision to assets | 0.6424% | 420 |
| Net operating income to assets | 3.4077% | 47 |
| Return on assets (ROA) | 2.2362% | 188 |
| Pretax return on assets | 2.2362% | 273 |
| Return on Equity (ROE) | 17.2759% | 311 |
| Retained earnings to average equity (ytd only) | 10.1486% | 719 |
| Net charge-offs to loans | -0.0007% | 3,593 |
| Credit loss provision to net charge-offs | -107,100.0000% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5719% | 2,414 |
| Assets per employee ($millions) | 2.0498% | 5,019 |
| Cash dividends to net income (ytd only)* | 41.2554% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,199 |
| Loan loss allowance to noncurrent loans | 983.7315% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 3,984 |
| Noncurrent loans to loans | 0.1573% | 3,895 |
| Net loans and leases to total assets | 81.8154% | 453 |
| Net loans and leases to deposits | 119.4086% | 87 |
| Net loans and leases to core deposits | 140.2360% | 167 |
| Total domestic deposits to total assets | 68.5172% | 4,911 |
| Equity capital to assets | 13.0016% | 1,426 |
| Core capital (leverage) ratio | 12.8259% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6988% | 1,193 |
| Memoranda: | ||
| Average total assets | $666,850,500 | 1,160 |
| Average earning assets | $618,004,000 | 1,155 |
| Average equity | $86,317,000 | 1,068 |
| Average total loans | $565,070,500 | 987 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 1,097 |
| Cost of funding earning assets | 1.0049% | 1,705 |
| Net interest margin | 4.1506% | 1,421 |
| Noninterest income to average assets | 9.3753% | 61 |
| Noninterest expense to average assets | 9.6434% | 75 |
| Loan and lease loss provision to assets | 0.1030% | 2,008 |
| Net operating income to assets | 3.5010% | 60 |
| Return on assets (ROA) | 2.5224% | 138 |
| Pretax return on assets | 2.5224% | 202 |
| Return on Equity (ROE) | 20.5846% | 183 |
| Retained earnings to average equity (ytd only) | 7.4012% | 1,206 |
| Net charge-offs to loans | 0.0045% | 3,513 |
| Credit loss provision to net charge-offs | 2,607.6923% | 150 |
| Earnings coverage of net charge-offs (x) | 912.4615% | 112 |
| Efficiency ratio | 72.7945% | 1,759 |
| Assets per employee ($millions) | 1.9902% | 5,083 |
| Cash dividends to net income (ytd only)* | 64.0448% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,420 |
| Loan loss allowance to noncurrent loans | 1,919.0141% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 4,303 |
| Noncurrent loans to loans | 0.0746% | 4,227 |
| Net loans and leases to total assets | 85.2413% | 223 |
| Net loans and leases to deposits | 126.9083% | 53 |
| Net loans and leases to core deposits | 149.7466% | 116 |
| Total domestic deposits to total assets | 67.1676% | 5,003 |
| Equity capital to assets | 12.8063% | 1,637 |
| Core capital (leverage) ratio | 12.1687% | 1,672 |
| Tier 1 risk-based capital ratio | 15.3026% | 2,654 |
| Total risk-based capital ratio | 16.6497% | 2,550 |
| Memoranda: | ||
| Average total assets | $658,262,600 | 1,137 |
| Average earning assets | $614,104,600 | 1,124 |
| Average equity | $80,662,200 | 1,084 |
| Average total loans | $575,625,200 | 945 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1499% | 1,157 |
| Cost of funding earning assets | 1.0590% | 1,505 |
| Net interest margin | 4.0909% | 1,639 |
| Noninterest income to average assets | 9.3109% | 63 |
| Noninterest expense to average assets | 9.5379% | 78 |
| Loan and lease loss provision to assets | 0.1036% | 1,856 |
| Net operating income to assets | 3.4991% | 59 |
| Return on assets (ROA) | 2.5132% | 167 |
| Pretax return on assets | 2.5132% | 242 |
| Return on Equity (ROE) | 20.7443% | 211 |
| Retained earnings to average equity (ytd only) | 5.8002% | 2,458 |
| Net charge-offs to loans | 0.0053% | 3,201 |
| Credit loss provision to net charge-offs | 2,221.7391% | 188 |
| Earnings coverage of net charge-offs (x) | 772.5054% | 123 |
| Efficiency ratio | 72.5835% | 1,749 |
| Assets per employee ($millions) | 1.9687% | 5,167 |
| Cash dividends to net income (ytd only)* | 72.0394% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,641 |
| Loan loss allowance to noncurrent loans | 3,337.9167% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 4,540 |
| Noncurrent loans to loans | 0.0415% | 4,468 |
| Net loans and leases to total assets | 87.6260% | 111 |
| Net loans and leases to deposits | 126.3636% | 60 |
| Net loans and leases to core deposits | 151.3016% | 120 |
| Total domestic deposits to total assets | 69.3444% | 5,018 |
| Equity capital to assets | 12.6025% | 1,839 |
| Core capital (leverage) ratio | 11.8641% | 1,949 |
| Tier 1 risk-based capital ratio | 14.6322% | 3,013 |
| Total risk-based capital ratio | 15.9792% | 2,905 |
| Memoranda: | ||
| Average total assets | $657,637,750 | 1,138 |
| Average earning assets | $615,661,000 | 1,118 |
| Average equity | $79,673,000 | 1,090 |
| Average total loans | $576,677,250 | 938 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 1,306 |
| Cost of funding earning assets | 1.2925% | 758 |
| Net interest margin | 3.7751% | 2,670 |
| Noninterest income to average assets | 8.2948% | 67 |
| Noninterest expense to average assets | 9.0464% | 78 |
| Loan and lease loss provision to assets | 0.1058% | 1,769 |
| Net operating income to assets | 2.6821% | 123 |
| Return on assets (ROA) | 2.0308% | 387 |
| Pretax return on assets | 2.0308% | 642 |
| Return on Equity (ROE) | 16.9877% | 464 |
| Retained earnings to average equity (ytd only) | 0.2080% | 4,637 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4424% | 1,340 |
| Assets per employee ($millions) | 1.9821% | 5,211 |
| Cash dividends to net income (ytd only)* | 98.7758% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 1,953 |
| Loan loss allowance to noncurrent loans | 3,878.8177% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,624 |
| Noncurrent loans to loans | 0.0339% | 4,545 |
| Net loans and leases to total assets | 88.0337% | 113 |
| Net loans and leases to deposits | 131.9437% | 40 |
| Net loans and leases to core deposits | 158.2769% | 100 |
| Total domestic deposits to total assets | 66.7206% | 5,137 |
| Equity capital to assets | 11.7166% | 2,424 |
| Core capital (leverage) ratio | 11.5064% | 2,159 |
| Tier 1 risk-based capital ratio | 13.6263% | 3,518 |
| Total risk-based capital ratio | 14.9772% | 3,362 |
| Memoranda: | ||
| Average total assets | $659,641,670 | 1,130 |
| Average earning assets | $618,472,670 | 1,113 |
| Average equity | $78,857,000 | 1,095 |
| Average total loans | $575,901,330 | 942 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 1,166 |
| Cost of funding earning assets | 1.2817% | 699 |
| Net interest margin | 3.7884% | 2,572 |
| Noninterest income to average assets | 6.8260% | 73 |
| Noninterest expense to average assets | 8.6794% | 79 |
| Loan and lease loss provision to assets | 0.1059% | 1,681 |
| Net operating income to assets | 1.5994% | 899 |
| Return on assets (ROA) | 1.4433% | 1,285 |
| Pretax return on assets | 1.4433% | 1,947 |
| Return on Equity (ROE) | 11.9510% | 1,549 |
| Retained earnings to average equity (ytd only) | 2.9751% | 3,741 |
| Net charge-offs to loans | -0.0021% | 3,864 |
| Credit loss provision to net charge-offs | -5,766.6667% | 4,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5789% | 744 |
| Assets per employee ($millions) | 1.8594% | 5,281 |
| Cash dividends to net income (ytd only)* | 75.1060% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 1,839 |
| Loan loss allowance to noncurrent loans | 913.4045% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 4,162 |
| Noncurrent loans to loans | 0.1486% | 4,066 |
| Net loans and leases to total assets | 84.3054% | 345 |
| Net loans and leases to deposits | 109.2047% | 236 |
| Net loans and leases to core deposits | 131.8299% | 287 |
| Total domestic deposits to total assets | 77.1995% | 4,633 |
| Equity capital to assets | 11.9346% | 2,063 |
| Core capital (leverage) ratio | 11.4019% | 2,210 |
| Tier 1 risk-based capital ratio | 13.8357% | 3,434 |
| Total risk-based capital ratio | 15.1536% | 3,311 |
| Memoranda: | ||
| Average total assets | $653,503,500 | 1,151 |
| Average earning assets | $613,877,500 | 1,123 |
| Average equity | $78,922,500 | 1,088 |
| Average total loans | $564,158,000 | 958 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 1,274 |
| Cost of funding earning assets | 1.0520% | 602 |
| Net interest margin | 3.8520% | 2,494 |
| Noninterest income to average assets | 8.9583% | 59 |
| Noninterest expense to average assets | 9.9586% | 64 |
| Loan and lease loss provision to assets | 0.1122% | 1,967 |
| Net operating income to assets | 2.5198% | 146 |
| Return on assets (ROA) | 2.1021% | 293 |
| Pretax return on assets | 2.1021% | 438 |
| Return on Equity (ROE) | 18.1334% | 378 |
| Retained earnings to average equity (ytd only) | 8.1025% | 1,185 |
| Net charge-offs to loans | -0.0019% | 4,228 |
| Credit loss provision to net charge-offs | -6,672.7273% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0950% | 1,032 |
| Assets per employee ($millions) | 1.6882% | 5,336 |
| Cash dividends to net income (ytd only)* | 55.3171% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 1,868 |
| Loan loss allowance to noncurrent loans | 850.1695% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 4,133 |
| Noncurrent loans to loans | 0.1578% | 4,033 |
| Net loans and leases to total assets | 86.0489% | 232 |
| Net loans and leases to deposits | 112.8298% | 186 |
| Net loans and leases to core deposits | 137.8881% | 219 |
| Total domestic deposits to total assets | 76.2644% | 4,725 |
| Equity capital to assets | 12.2236% | 1,747 |
| Core capital (leverage) ratio | 11.4309% | 2,155 |
| Tier 1 risk-based capital ratio | 13.8940% | 3,333 |
| Total risk-based capital ratio | 15.2118% | 3,231 |
| Memoranda: | ||
| Average total assets | $654,007,800 | 1,111 |
| Average earning assets | $616,722,800 | 1,090 |
| Average equity | $75,816,000 | 1,079 |
| Average total loans | $574,179,200 | 932 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 1,400 |
| Cost of funding earning assets | 0.9945% | 611 |
| Net interest margin | 3.8157% | 2,589 |
| Noninterest income to average assets | 9.5193% | 58 |
| Noninterest expense to average assets | 10.1800% | 62 |
| Loan and lease loss provision to assets | 0.1115% | 1,816 |
| Net operating income to assets | 2.8290% | 100 |
| Return on assets (ROA) | 2.2926% | 230 |
| Pretax return on assets | 2.2926% | 344 |
| Return on Equity (ROE) | 20.0436% | 272 |
| Retained earnings to average equity (ytd only) | 8.4296% | 1,457 |
| Net charge-offs to loans | -0.0485% | 4,918 |
| Credit loss provision to net charge-offs | -261.4286% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5888% | 1,159 |
| Assets per employee ($millions) | 1.5903% | 5,407 |
| Cash dividends to net income (ytd only)* | 57.9437% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,067 |
| Loan loss allowance to noncurrent loans | 1,807.6739% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,661 |
| Noncurrent loans to loans | 0.0723% | 4,552 |
| Net loans and leases to total assets | 87.7293% | 154 |
| Net loans and leases to deposits | 120.3317% | 99 |
| Net loans and leases to core deposits | 147.9448% | 146 |
| Total domestic deposits to total assets | 72.9062% | 5,063 |
| Equity capital to assets | 11.9059% | 1,963 |
| Core capital (leverage) ratio | 11.3140% | 2,322 |
| Tier 1 risk-based capital ratio | 13.3742% | 3,695 |
| Total risk-based capital ratio | 14.7050% | 3,564 |
| Memoranda: | ||
| Average total assets | $656,710,250 | 1,110 |
| Average earning assets | $619,769,500 | 1,088 |
| Average equity | $75,114,500 | 1,089 |
| Average total loans | $577,476,750 | 932 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 1,618 |
| Cost of funding earning assets | 0.8919% | 758 |
| Net interest margin | 3.7681% | 2,682 |
| Noninterest income to average assets | 9.1550% | 59 |
| Noninterest expense to average assets | 10.0523% | 64 |
| Loan and lease loss provision to assets | 0.1095% | 1,794 |
| Net operating income to assets | 2.5468% | 139 |
| Return on assets (ROA) | 2.1379% | 279 |
| Pretax return on assets | 2.1379% | 446 |
| Return on Equity (ROE) | 18.9456% | 336 |
| Retained earnings to average equity (ytd only) | 11.2523% | 625 |
| Net charge-offs to loans | 0.0007% | 3,196 |
| Credit loss provision to net charge-offs | 18,050.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 4,378.5000% | 13 |
| Efficiency ratio | 79.0982% | 1,107 |
| Assets per employee ($millions) | 1.6407% | 5,468 |
| Cash dividends to net income (ytd only)* | 40.6073% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 2,607 |
| Loan loss allowance to noncurrent loans | 20,394.2857% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,025 |
| Noncurrent loans to loans | 0.0060% | 4,936 |
| Net loans and leases to total assets | 86.2120% | 248 |
| Net loans and leases to deposits | 124.3257% | 74 |
| Net loans and leases to core deposits | 153.7872% | 101 |
| Total domestic deposits to total assets | 69.3437% | 5,292 |
| Equity capital to assets | 11.4270% | 2,246 |
| Core capital (leverage) ratio | 10.9907% | 2,534 |
| Tier 1 risk-based capital ratio | 13.6255% | 3,549 |
| Total risk-based capital ratio | 14.9632% | 3,408 |
| Memoranda: | ||
| Average total assets | $659,331,670 | 1,107 |
| Average earning assets | $621,797,000 | 1,089 |
| Average equity | $74,402,330 | 1,098 |
| Average total loans | $577,713,670 | 930 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 1,688 |
| Cost of funding earning assets | 0.8452% | 782 |
| Net interest margin | 3.7155% | 2,744 |
| Noninterest income to average assets | 8.1483% | 64 |
| Noninterest expense to average assets | 10.0195% | 68 |
| Loan and lease loss provision to assets | 0.1108% | 1,695 |
| Net operating income to assets | 1.5241% | 1,023 |
| Return on assets (ROA) | 1.5786% | 910 |
| Pretax return on assets | 1.5786% | 1,454 |
| Return on Equity (ROE) | 14.0805% | 996 |
| Retained earnings to average equity (ytd only) | 8.3424% | 1,714 |
| Net charge-offs to loans | 0.0021% | 2,661 |
| Credit loss provision to net charge-offs | 6,033.3333% | 50 |
| Earnings coverage of net charge-offs (x) | 890.3333% | 70 |
| Efficiency ratio | 85.9716% | 653 |
| Assets per employee ($millions) | 1.5679% | 5,537 |
| Cash dividends to net income (ytd only)* | 40.7522% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,550 |
| Loan loss allowance to noncurrent loans | 315.2243% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 3,471 |
| Noncurrent loans to loans | 0.3947% | 3,373 |
| Net loans and leases to total assets | 85.6940% | 285 |
| Net loans and leases to deposits | 113.9441% | 180 |
| Net loans and leases to core deposits | 139.5636% | 218 |
| Total domestic deposits to total assets | 75.2071% | 5,047 |
| Equity capital to assets | 11.4894% | 2,141 |
| Core capital (leverage) ratio | 10.9213% | 2,520 |
| Tier 1 risk-based capital ratio | 13.6233% | 3,588 |
| Total risk-based capital ratio | 14.9604% | 3,446 |
| Memoranda: | ||
| Average total assets | $653,484,000 | 1,128 |
| Average earning assets | $616,663,500 | 1,107 |
| Average equity | $73,264,500 | 1,121 |
| Average total loans | $573,748,500 | 934 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 1,846 |
| Cost of funding earning assets | 0.7127% | 961 |
| Net interest margin | 3.7472% | 2,614 |
| Noninterest income to average assets | 10.0523% | 57 |
| Noninterest expense to average assets | 10.5750% | 66 |
| Loan and lease loss provision to assets | 0.1204% | 1,905 |
| Net operating income to assets | 2.8929% | 76 |
| Return on assets (ROA) | 2.2864% | 164 |
| Pretax return on assets | 2.2864% | 273 |
| Return on Equity (ROE) | 21.2975% | 151 |
| Retained earnings to average equity (ytd only) | 12.6859% | 146 |
| Net charge-offs to loans | 0.0673% | 2,498 |
| Credit loss provision to net charge-offs | 205.1075% | 1,331 |
| Earnings coverage of net charge-offs (x) | 51.3360% | 1,067 |
| Efficiency ratio | 77.8241% | 1,378 |
| Assets per employee ($millions) | 1.5851% | 5,598 |
| Cash dividends to net income (ytd only)* | 40.4348% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,042 |
| Loan loss allowance to noncurrent loans | 16,534.1463% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 5,158 |
| Noncurrent loans to loans | 0.0070% | 5,027 |
| Net loans and leases to total assets | 87.7719% | 149 |
| Net loans and leases to deposits | 128.6415% | 51 |
| Net loans and leases to core deposits | 159.9775% | 89 |
| Total domestic deposits to total assets | 68.2299% | 5,467 |
| Equity capital to assets | 10.9409% | 2,687 |
| Core capital (leverage) ratio | 10.7107% | 2,636 |
| Tier 1 risk-based capital ratio | 12.9472% | 3,936 |
| Total risk-based capital ratio | 14.2004% | 3,838 |
| Memoranda: | ||
| Average total assets | $633,747,600 | 1,142 |
| Average earning assets | $598,045,400 | 1,117 |
| Average equity | $68,036,000 | 1,176 |
| Average total loans | $552,499,400 | 933 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 1,822 |
| Cost of funding earning assets | 0.7099% | 920 |
| Net interest margin | 3.7302% | 2,656 |
| Noninterest income to average assets | 10.4214% | 57 |
| Noninterest expense to average assets | 10.6987% | 65 |
| Loan and lease loss provision to assets | 0.1230% | 1,761 |
| Net operating income to assets | 3.1197% | 74 |
| Return on assets (ROA) | 2.4181% | 152 |
| Pretax return on assets | 2.4181% | 244 |
| Return on Equity (ROE) | 22.6386% | 114 |
| Retained earnings to average equity (ytd only) | 13.4899% | 182 |
| Net charge-offs to loans | 0.0913% | 1,879 |
| Credit loss provision to net charge-offs | 155.3763% | 1,646 |
| Earnings coverage of net charge-offs (x) | 40.9622% | 1,277 |
| Efficiency ratio | 76.7405% | 1,495 |
| Assets per employee ($millions) | 1.5077% | 5,669 |
| Cash dividends to net income (ytd only)* | 40.4118% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,955 |
| Loan loss allowance to noncurrent loans | 6,728.5714% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 5,180 |
| Noncurrent loans to loans | 0.0178% | 5,061 |
| Net loans and leases to total assets | 85.0156% | 338 |
| Net loans and leases to deposits | 116.7941% | 142 |
| Net loans and leases to core deposits | 141.7968% | 185 |
| Total domestic deposits to total assets | 72.7910% | 5,332 |
| Equity capital to assets | 11.0257% | 2,841 |
| Core capital (leverage) ratio | 10.6021% | 2,879 |
| Tier 1 risk-based capital ratio | 13.4143% | 3,752 |
| Total risk-based capital ratio | 14.6681% | 3,671 |
| Memoranda: | ||
| Average total assets | $626,543,000 | 1,157 |
| Average earning assets | $591,228,500 | 1,135 |
| Average equity | $66,922,250 | 1,198 |
| Average total loans | $543,542,750 | 948 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 1,985 |
| Cost of funding earning assets | 0.6955% | 912 |
| Net interest margin | 3.6510% | 2,836 |
| Noninterest income to average assets | 9.7816% | 62 |
| Noninterest expense to average assets | 10.4014% | 66 |
| Loan and lease loss provision to assets | 0.1274% | 1,629 |
| Net operating income to assets | 2.7005% | 104 |
| Return on assets (ROA) | 2.1837% | 224 |
| Pretax return on assets | 2.1837% | 365 |
| Return on Equity (ROE) | 20.6730% | 191 |
| Retained earnings to average equity (ytd only) | 12.3143% | 292 |
| Net charge-offs to loans | 0.1361% | 1,344 |
| Credit loss provision to net charge-offs | 107.6087% | 1,915 |
| Earnings coverage of net charge-offs (x) | 23.8913% | 1,659 |
| Efficiency ratio | 78.6239% | 1,378 |
| Assets per employee ($millions) | 1.5758% | 5,712 |
| Cash dividends to net income (ytd only)* | 40.4331% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,341 |
| Loan loss allowance to noncurrent loans | 2,110.5263% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 5,040 |
| Noncurrent loans to loans | 0.0543% | 4,917 |
| Net loans and leases to total assets | 86.3387% | 248 |
| Net loans and leases to deposits | 115.6750% | 164 |
| Net loans and leases to core deposits | 140.3457% | 184 |
| Total domestic deposits to total assets | 74.6390% | 5,238 |
| Equity capital to assets | 10.5890% | 3,242 |
| Core capital (leverage) ratio | 10.2902% | 3,156 |
| Tier 1 risk-based capital ratio | 13.0803% | 3,954 |
| Total risk-based capital ratio | 14.3340% | 3,862 |
| Memoranda: | ||
| Average total assets | $621,801,670 | 1,171 |
| Average earning assets | $587,186,330 | 1,145 |
| Average equity | $65,680,000 | 1,219 |
| Average total loans | $540,941,670 | 954 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 1,808 |
| Cost of funding earning assets | 0.7658% | 595 |
| Net interest margin | 3.5868% | 2,933 |
| Noninterest income to average assets | 8.1224% | 76 |
| Noninterest expense to average assets | 9.6746% | 74 |
| Loan and lease loss provision to assets | 0.2961% | 466 |
| Net operating income to assets | 1.5372% | 762 |
| Return on assets (ROA) | 1.5189% | 811 |
| Pretax return on assets | 1.5189% | 1,477 |
| Return on Equity (ROE) | 14.3980% | 738 |
| Retained earnings to average equity (ytd only) | 8.5620% | 1,251 |
| Net charge-offs to loans | 0.2138% | 830 |
| Credit loss provision to net charge-offs | 159.5070% | 1,169 |
| Earnings coverage of net charge-offs (x) | 9.8768% | 1,969 |
| Efficiency ratio | 84.0697% | 967 |
| Assets per employee ($millions) | 1.5255% | 5,783 |
| Cash dividends to net income (ytd only)* | 40.5336% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,723 |
| Loan loss allowance to noncurrent loans | 2,185.6667% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 5,103 |
| Noncurrent loans to loans | 0.0579% | 4,966 |
| Net loans and leases to total assets | 84.9532% | 291 |
| Net loans and leases to deposits | 100.8312% | 559 |
| Net loans and leases to core deposits | 130.6847% | 258 |
| Total domestic deposits to total assets | 84.2529% | 3,376 |
| Equity capital to assets | 10.8288% | 2,824 |
| Core capital (leverage) ratio | 9.7577% | 3,804 |
| Tier 1 risk-based capital ratio | 13.4823% | 3,789 |
| Total risk-based capital ratio | 14.7369% | 3,697 |
| Memoranda: | ||
| Average total assets | $612,035,000 | 1,187 |
| Average earning assets | $577,669,000 | 1,166 |
| Average equity | $64,564,500 | 1,235 |
| Average total loans | $531,344,500 | 968 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 2,241 |
| Cost of funding earning assets | 0.5499% | 1,691 |
| Net interest margin | 3.7228% | 2,600 |
| Noninterest income to average assets | 9.9117% | 65 |
| Noninterest expense to average assets | 10.0436% | 75 |
| Loan and lease loss provision to assets | 0.1801% | 1,325 |
| Net operating income to assets | 3.2112% | 73 |
| Return on assets (ROA) | 2.4827% | 152 |
| Pretax return on assets | 2.4827% | 209 |
| Return on Equity (ROE) | 25.3343% | 71 |
| Retained earnings to average equity (ytd only) | 11.6342% | 246 |
| Net charge-offs to loans | 0.0166% | 3,739 |
| Credit loss provision to net charge-offs | 1,247.1910% | 318 |
| Earnings coverage of net charge-offs (x) | 234.8876% | 302 |
| Efficiency ratio | 74.7576% | 2,171 |
| Assets per employee ($millions) | 1.5122% | 5,843 |
| Cash dividends to net income (ytd only)* | 54.0774% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 3,283 |
| Loan loss allowance to noncurrent loans | 1,344.8421% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 5,030 |
| Noncurrent loans to loans | 0.0873% | 4,888 |
| Net loans and leases to total assets | 86.5392% | 204 |
| Net loans and leases to deposits | 106.9279% | 304 |
| Net loans and leases to core deposits | 140.9885% | 161 |
| Total domestic deposits to total assets | 80.9323% | 4,352 |
| Equity capital to assets | 10.2780% | 3,413 |
| Core capital (leverage) ratio | 10.0318% | 3,444 |
| Tier 1 risk-based capital ratio | 13.3009% | 3,895 |
| Total risk-based capital ratio | 14.5548% | 3,805 |
| Memoranda: | ||
| Average total assets | $616,431,200 | 1,136 |
| Average earning assets | $583,379,000 | 1,114 |
| Average equity | $60,408,200 | 1,284 |
| Average total loans | $535,141,200 | 925 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 2,282 |
| Cost of funding earning assets | 0.5377% | 1,808 |
| Net interest margin | 3.7263% | 2,611 |
| Noninterest income to average assets | 9.8207% | 64 |
| Noninterest expense to average assets | 9.8902% | 75 |
| Loan and lease loss provision to assets | 0.1712% | 1,327 |
| Net operating income to assets | 3.2918% | 70 |
| Return on assets (ROA) | 2.5361% | 155 |
| Pretax return on assets | 2.5361% | 209 |
| Return on Equity (ROE) | 26.2021% | 70 |
| Retained earnings to average equity (ytd only) | 13.3709% | 202 |
| Net charge-offs to loans | 0.0260% | 3,146 |
| Credit loss provision to net charge-offs | 759.6154% | 522 |
| Earnings coverage of net charge-offs (x) | 153.6382% | 456 |
| Efficiency ratio | 74.0659% | 2,272 |
| Assets per employee ($millions) | 1.5648% | 5,906 |
| Cash dividends to net income (ytd only)* | 48.9702% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,745 |
| Loan loss allowance to noncurrent loans | 907.4963% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 4,998 |
| Noncurrent loans to loans | 0.1232% | 4,849 |
| Net loans and leases to total assets | 86.4273% | 223 |
| Net loans and leases to deposits | 114.7030% | 175 |
| Net loans and leases to core deposits | 138.5089% | 208 |
| Total domestic deposits to total assets | 75.3488% | 5,306 |
| Equity capital to assets | 10.1382% | 3,995 |
| Core capital (leverage) ratio | 10.0639% | 3,487 |
| Tier 1 risk-based capital ratio | 13.2132% | 4,030 |
| Total risk-based capital ratio | 14.4658% | 3,933 |
| Memoranda: | ||
| Average total assets | $615,163,500 | 1,142 |
| Average earning assets | $583,198,000 | 1,115 |
| Average equity | $59,540,750 | 1,308 |
| Average total loans | $532,868,750 | 925 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 2,313 |
| Cost of funding earning assets | 0.5114% | 2,015 |
| Net interest margin | 3.7438% | 2,537 |
| Noninterest income to average assets | 8.9675% | 68 |
| Noninterest expense to average assets | 9.6300% | 78 |
| Loan and lease loss provision to assets | 0.1701% | 1,306 |
| Net operating income to assets | 2.7197% | 108 |
| Return on assets (ROA) | 2.2331% | 227 |
| Pretax return on assets | 2.2331% | 350 |
| Return on Equity (ROE) | 23.4470% | 119 |
| Retained earnings to average equity (ytd only) | 10.3890% | 529 |
| Net charge-offs to loans | -0.0030% | 4,430 |
| Credit loss provision to net charge-offs | -6,525.0000% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9179% | 1,938 |
| Assets per employee ($millions) | 1.6316% | 5,976 |
| Cash dividends to net income (ytd only)* | 55.6918% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 4,044 |
| Loan loss allowance to noncurrent loans | 1,264.3326% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 5,241 |
| Noncurrent loans to loans | 0.0855% | 5,109 |
| Net loans and leases to total assets | 86.2099% | 238 |
| Net loans and leases to deposits | 114.9262% | 165 |
| Net loans and leases to core deposits | 138.8673% | 198 |
| Total domestic deposits to total assets | 75.0133% | 5,410 |
| Equity capital to assets | 9.7614% | 4,500 |
| Core capital (leverage) ratio | 9.5940% | 4,077 |
| Tier 1 risk-based capital ratio | 12.8850% | 4,268 |
| Total risk-based capital ratio | 14.1375% | 4,179 |
| Memoranda: | ||
| Average total assets | $613,663,000 | 1,151 |
| Average earning assets | $582,300,000 | 1,122 |
| Average equity | $58,446,670 | 1,334 |
| Average total loans | $529,954,000 | 925 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,209 |
| Cost of funding earning assets | 0.4676% | 2,398 |
| Net interest margin | 3.8099% | 2,257 |
| Noninterest income to average assets | 7.7770% | 77 |
| Noninterest expense to average assets | 9.2030% | 81 |
| Loan and lease loss provision to assets | 0.1551% | 1,354 |
| Net operating income to assets | 2.0353% | 308 |
| Return on assets (ROA) | 1.9291% | 404 |
| Pretax return on assets | 1.9291% | 656 |
| Return on Equity (ROE) | 20.5100% | 212 |
| Retained earnings to average equity (ytd only) | 12.2228% | 479 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7745% | 1,516 |
| Assets per employee ($millions) | 1.6746% | 6,029 |
| Cash dividends to net income (ytd only)* | 40.4054% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 4,325 |
| Loan loss allowance to noncurrent loans | 981.3953% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 5,226 |
| Noncurrent loans to loans | 0.1072% | 5,048 |
| Net loans and leases to total assets | 83.2940% | 432 |
| Net loans and leases to deposits | 108.2661% | 275 |
| Net loans and leases to core deposits | 130.0497% | 270 |
| Total domestic deposits to total assets | 76.9345% | 5,293 |
| Equity capital to assets | 9.4586% | 4,707 |
| Core capital (leverage) ratio | 9.0071% | 4,846 |
| Tier 1 risk-based capital ratio | 12.0845% | 4,866 |
| Total risk-based capital ratio | 13.3355% | 4,771 |
| Memoranda: | ||
| Average total assets | $613,755,500 | 1,147 |
| Average earning assets | $582,582,000 | 1,120 |
| Average equity | $57,728,000 | 1,343 |
| Average total loans | $527,602,500 | 931 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 2,198 |
| Cost of funding earning assets | 0.4076% | 3,076 |
| Net interest margin | 3.9019% | 2,024 |
| Noninterest income to average assets | 8.9267% | 73 |
| Noninterest expense to average assets | 9.1741% | 85 |
| Loan and lease loss provision to assets | 0.1185% | 2,011 |
| Net operating income to assets | 3.3246% | 74 |
| Return on assets (ROA) | 2.5340% | 147 |
| Pretax return on assets | 2.5340% | 189 |
| Return on Equity (ROE) | 27.0142% | 78 |
| Retained earnings to average equity (ytd only) | 16.4653% | 105 |
| Net charge-offs to loans | 0.0037% | 4,322 |
| Credit loss provision to net charge-offs | 3,677.7778% | 105 |
| Earnings coverage of net charge-offs (x) | 1,068.8333% | 49 |
| Efficiency ratio | 72.7110% | 2,785 |
| Assets per employee ($millions) | 1.7469% | 6,084 |
| Cash dividends to net income (ytd only)* | 39.0494% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,845 |
| Loan loss allowance to noncurrent loans | 2,282.5112% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 5,490 |
| Noncurrent loans to loans | 0.0418% | 5,347 |
| Net loans and leases to total assets | 86.9435% | 170 |
| Net loans and leases to deposits | 118.6251% | 113 |
| Net loans and leases to core deposits | 144.4230% | 139 |
| Total domestic deposits to total assets | 73.2926% | 5,702 |
| Equity capital to assets | 9.3518% | 4,729 |
| Core capital (leverage) ratio | 10.1317% | 3,350 |
| Tier 1 risk-based capital ratio | 12.0344% | 4,924 |
| Total risk-based capital ratio | 13.2845% | 4,829 |
| Memoranda: | ||
| Average total assets | $558,770,800 | 1,220 |
| Average earning assets | $528,486,600 | 1,193 |
| Average equity | $52,413,200 | 1,420 |
| Average total loans | $485,304,800 | 960 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,344 |
| Cost of funding earning assets | 0.4058% | 3,169 |
| Net interest margin | 3.8608% | 2,155 |
| Noninterest income to average assets | 9.3431% | 72 |
| Noninterest expense to average assets | 9.3256% | 85 |
| Loan and lease loss provision to assets | 0.1171% | 1,937 |
| Net operating income to assets | 3.5474% | 61 |
| Return on assets (ROA) | 2.6423% | 139 |
| Pretax return on assets | 2.6423% | 196 |
| Return on Equity (ROE) | 28.1454% | 72 |
| Retained earnings to average equity (ytd only) | 17.2563% | 99 |
| Net charge-offs to loans | 0.0042% | 4,035 |
| Credit loss provision to net charge-offs | 3,200.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 1,001.3085% | 74 |
| Efficiency ratio | 71.7897% | 2,917 |
| Assets per employee ($millions) | 1.6303% | 6,186 |
| Cash dividends to net income (ytd only)* | 38.6888% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 4,678 |
| Loan loss allowance to noncurrent loans | 1,158.2547% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 5,459 |
| Noncurrent loans to loans | 0.0874% | 5,280 |
| Net loans and leases to total assets | 85.1244% | 293 |
| Net loans and leases to deposits | 107.5549% | 315 |
| Net loans and leases to core deposits | 131.8980% | 256 |
| Total domestic deposits to total assets | 79.1451% | 4,941 |
| Equity capital to assets | 9.7258% | 4,483 |
| Core capital (leverage) ratio | 9.3776% | 4,472 |
| Tier 1 risk-based capital ratio | 12.4829% | 4,767 |
| Total risk-based capital ratio | 13.7332% | 4,664 |
| Memoranda: | ||
| Average total assets | $546,484,000 | 1,249 |
| Average earning assets | $516,222,000 | 1,223 |
| Average equity | $51,303,750 | 1,449 |
| Average total loans | $473,222,250 | 979 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1281% | 2,792 |
| Cost of funding earning assets | 0.3368% | 3,961 |
| Net interest margin | 3.7913% | 2,352 |
| Noninterest income to average assets | 8.5291% | 87 |
| Noninterest expense to average assets | 8.8240% | 95 |
| Loan and lease loss provision to assets | 0.1084% | 2,022 |
| Net operating income to assets | 3.1826% | 84 |
| Return on assets (ROA) | 2.3984% | 204 |
| Pretax return on assets | 2.3984% | 287 |
| Return on Equity (ROE) | 25.8709% | 104 |
| Retained earnings to average equity (ytd only) | 15.9224% | 155 |
| Net charge-offs to loans | 0.0021% | 3,828 |
| Credit loss provision to net charge-offs | 5,860.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 1,779.2000% | 29 |
| Efficiency ratio | 72.8350% | 2,872 |
| Assets per employee ($millions) | 1.7731% | 6,242 |
| Cash dividends to net income (ytd only)* | 38.4544% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 5,227 |
| Loan loss allowance to noncurrent loans | 444.5070% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 5,138 |
| Noncurrent loans to loans | 0.2068% | 4,943 |
| Net loans and leases to total assets | 87.1942% | 184 |
| Net loans and leases to deposits | 115.3314% | 156 |
| Net loans and leases to core deposits | 141.6494% | 157 |
| Total domestic deposits to total assets | 75.6032% | 5,644 |
| Equity capital to assets | 8.9229% | 5,314 |
| Core capital (leverage) ratio | 9.2248% | 4,655 |
| Tier 1 risk-based capital ratio | 11.5927% | 5,407 |
| Total risk-based capital ratio | 12.7923% | 5,357 |
| Memoranda: | ||
| Average total assets | $540,619,330 | 1,268 |
| Average earning assets | $511,325,000 | 1,237 |
| Average equity | $50,118,000 | 1,493 |
| Average total loans | $469,270,000 | 990 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 2,272 |
| Cost of funding earning assets | 0.3473% | 3,894 |
| Net interest margin | 3.9044% | 1,885 |
| Noninterest income to average assets | 7.3424% | 97 |
| Noninterest expense to average assets | 8.2630% | 114 |
| Loan and lease loss provision to assets | 0.0810% | 2,349 |
| Net operating income to assets | 2.6854% | 114 |
| Return on assets (ROA) | 2.1174% | 290 |
| Pretax return on assets | 2.1174% | 467 |
| Return on Equity (ROE) | 22.3674% | 174 |
| Retained earnings to average equity (ytd only) | 13.8736% | 371 |
| Net charge-offs to loans | 0.0009% | 3,278 |
| Credit loss provision to net charge-offs | 10,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 3,585.0000% | 4 |
| Efficiency ratio | 74.9178% | 2,662 |
| Assets per employee ($millions) | 1.8736% | 6,300 |
| Cash dividends to net income (ytd only)* | 37.9738% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 4,989 |
| Loan loss allowance to noncurrent loans | 1,175.7106% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 4,939 |
| Noncurrent loans to loans | 0.0855% | 5,440 |
| Net loans and leases to total assets | 81.9463% | 466 |
| Net loans and leases to deposits | 111.2295% | 197 |
| Net loans and leases to core deposits | 126.5424% | 291 |
| Total domestic deposits to total assets | 73.6732% | 5,928 |
| Equity capital to assets | 9.1253% | 5,166 |
| Core capital (leverage) ratio | 9.7585% | 3,940 |
| Tier 1 risk-based capital ratio | 12.3190% | 5,032 |
| Total risk-based capital ratio | 13.5694% | 4,944 |
| Memoranda: | ||
| Average total assets | $518,361,500 | 1,322 |
| Average earning assets | $489,498,500 | 1,294 |
| Average equity | $49,071,500 | 1,534 |
| Average total loans | $446,436,000 | 1,040 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 2,127 |
| Cost of funding earning assets | 0.4483% | 3,185 |
| Net interest margin | 3.9817% | 1,952 |
| Noninterest income to average assets | 7.7537% | 85 |
| Noninterest expense to average assets | 8.8520% | 89 |
| Loan and lease loss provision to assets | 0.0911% | 2,645 |
| Net operating income to assets | 2.5561% | 133 |
| Return on assets (ROA) | 2.0698% | 296 |
| Pretax return on assets | 2.0698% | 444 |
| Return on Equity (ROE) | 21.4981% | 188 |
| Retained earnings to average equity (ytd only) | 11.2506% | 355 |
| Net charge-offs to loans | 0.0510% | 3,809 |
| Credit loss provision to net charge-offs | 209.7087% | 1,182 |
| Earnings coverage of net charge-offs (x) | 60.9417% | 783 |
| Efficiency ratio | 76.9795% | 2,354 |
| Assets per employee ($millions) | 1.7302% | 6,406 |
| Cash dividends to net income (ytd only)* | 47.6671% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 4,987 |
| Loan loss allowance to noncurrent loans | 1,015.0685% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 5,669 |
| Noncurrent loans to loans | 0.0995% | 5,496 |
| Net loans and leases to total assets | 88.9555% | 88 |
| Net loans and leases to deposits | 111.7781% | 199 |
| Net loans and leases to core deposits | 128.8552% | 262 |
| Total domestic deposits to total assets | 79.5822% | 5,126 |
| Equity capital to assets | 9.8481% | 4,291 |
| Core capital (leverage) ratio | 11.1159% | 2,295 |
| Tier 1 risk-based capital ratio | 14.5522% | 3,745 |
| Total risk-based capital ratio | 15.8028% | 3,679 |
| Memoranda: | ||
| Average total assets | $474,240,800 | 1,408 |
| Average earning assets | $446,120,000 | 1,371 |
| Average equity | $45,659,800 | 1,573 |
| Average total loans | $403,767,200 | 1,093 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 2,145 |
| Cost of funding earning assets | 0.4676% | 3,075 |
| Net interest margin | 3.9567% | 2,008 |
| Noninterest income to average assets | 7.7939% | 83 |
| Noninterest expense to average assets | 8.9481% | 85 |
| Loan and lease loss provision to assets | 0.0910% | 2,532 |
| Net operating income to assets | 2.4728% | 153 |
| Return on assets (ROA) | 1.9969% | 361 |
| Pretax return on assets | 1.9969% | 577 |
| Return on Equity (ROE) | 20.8644% | 236 |
| Retained earnings to average equity (ytd only) | 12.9806% | 330 |
| Net charge-offs to loans | 0.0679% | 3,229 |
| Credit loss provision to net charge-offs | 159.7015% | 1,513 |
| Earnings coverage of net charge-offs (x) | 45.0006% | 1,044 |
| Efficiency ratio | 77.7294% | 2,226 |
| Assets per employee ($millions) | 1.6496% | 6,494 |
| Cash dividends to net income (ytd only)* | 37.7856% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 4,938 |
| Loan loss allowance to noncurrent loans | 828.4351% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 5,720 |
| Noncurrent loans to loans | 0.1281% | 5,536 |
| Net loans and leases to total assets | 85.2097% | 249 |
| Net loans and leases to deposits | 107.5928% | 276 |
| Net loans and leases to core deposits | 125.1212% | 296 |
| Total domestic deposits to total assets | 79.1965% | 5,281 |
| Equity capital to assets | 9.9914% | 4,176 |
| Core capital (leverage) ratio | 10.6514% | 2,860 |
| Tier 1 risk-based capital ratio | 15.3579% | 3,394 |
| Total risk-based capital ratio | 16.6063% | 3,327 |
| Memoranda: | ||
| Average total assets | $470,391,750 | 1,431 |
| Average earning assets | $442,002,250 | 1,398 |
| Average equity | $45,019,750 | 1,605 |
| Average total loans | $394,707,750 | 1,114 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2096% | 2,917 |
| Cost of funding earning assets | 0.4372% | 3,470 |
| Net interest margin | 3.7724% | 2,657 |
| Noninterest income to average assets | 7.2850% | 87 |
| Noninterest expense to average assets | 8.6697% | 92 |
| Loan and lease loss provision to assets | 0.0909% | 2,508 |
| Net operating income to assets | 2.0724% | 288 |
| Return on assets (ROA) | 1.7375% | 570 |
| Pretax return on assets | 1.7375% | 947 |
| Return on Equity (ROE) | 18.4283% | 419 |
| Retained earnings to average equity (ytd only) | 11.3294% | 495 |
| Net charge-offs to loans | 0.1041% | 2,642 |
| Credit loss provision to net charge-offs | 104.9261% | 1,906 |
| Earnings coverage of net charge-offs (x) | 24.9803% | 1,408 |
| Efficiency ratio | 80.0307% | 2,024 |
| Assets per employee ($millions) | 1.7519% | 6,551 |
| Cash dividends to net income (ytd only)* | 38.5220% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 5,410 |
| Loan loss allowance to noncurrent loans | 164.1832% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 4,487 |
| Noncurrent loans to loans | 0.6000% | 4,229 |
| Net loans and leases to total assets | 83.7111% | 321 |
| Net loans and leases to deposits | 115.8240% | 123 |
| Net loans and leases to core deposits | 138.4480% | 147 |
| Total domestic deposits to total assets | 72.2744% | 6,232 |
| Equity capital to assets | 8.9733% | 5,323 |
| Core capital (leverage) ratio | 10.5089% | 2,940 |
| Tier 1 risk-based capital ratio | 14.3353% | 4,041 |
| Total risk-based capital ratio | 15.5548% | 3,995 |
| Memoranda: | ||
| Average total assets | $468,826,330 | 1,431 |
| Average earning assets | $440,941,330 | 1,396 |
| Average equity | $44,203,670 | 1,614 |
| Average total loans | $389,889,670 | 1,127 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,713 |
| Cost of funding earning assets | 0.5009% | 2,901 |
| Net interest margin | 3.7419% | 2,706 |
| Noninterest income to average assets | 6.1378% | 94 |
| Noninterest expense to average assets | 8.3407% | 104 |
| Loan and lease loss provision to assets | 0.0926% | 2,373 |
| Net operating income to assets | 1.2235% | 1,412 |
| Return on assets (ROA) | 1.2252% | 1,465 |
| Pretax return on assets | 1.2252% | 2,371 |
| Return on Equity (ROE) | 12.6495% | 1,245 |
| Retained earnings to average equity (ytd only) | 7.8876% | 1,638 |
| Net charge-offs to loans | -0.0022% | 4,711 |
| Credit loss provision to net charge-offs | -5,200.0000% | 5,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3716% | 1,407 |
| Assets per employee ($millions) | 1.6911% | 6,626 |
| Cash dividends to net income (ytd only)* | 37.6453% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 4,881 |
| Loan loss allowance to noncurrent loans | 247.9656% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 4,943 |
| Noncurrent loans to loans | 0.4634% | 4,763 |
| Net loans and leases to total assets | 81.2213% | 431 |
| Net loans and leases to deposits | 97.5612% | 571 |
| Net loans and leases to core deposits | 116.0673% | 406 |
| Total domestic deposits to total assets | 83.2517% | 4,519 |
| Equity capital to assets | 9.5876% | 4,375 |
| Core capital (leverage) ratio | 10.8378% | 2,552 |
| Tier 1 risk-based capital ratio | 14.9635% | 3,730 |
| Total risk-based capital ratio | 16.1327% | 3,728 |
| Memoranda: | ||
| Average total assets | $449,219,500 | 1,488 |
| Average earning assets | $422,462,000 | 1,466 |
| Average equity | $43,511,500 | 1,637 |
| Average total loans | $370,076,000 | 1,195 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 2,635 |
| Cost of funding earning assets | 0.5040% | 3,568 |
| Net interest margin | 3.8816% | 2,362 |
| Noninterest income to average assets | 9.3833% | 71 |
| Noninterest expense to average assets | 9.4307% | 88 |
| Loan and lease loss provision to assets | 0.1007% | 3,122 |
| Net operating income to assets | 3.5034% | 80 |
| Return on assets (ROA) | 2.6215% | 156 |
| Pretax return on assets | 2.6215% | 178 |
| Return on Equity (ROE) | 26.4736% | 108 |
| Retained earnings to average equity (ytd only) | 1.7835% | 4,964 |
| Net charge-offs to loans | 0.0084% | 5,285 |
| Credit loss provision to net charge-offs | 1,496.5517% | 168 |
| Earnings coverage of net charge-offs (x) | 535.5172% | 70 |
| Efficiency ratio | 72.3498% | 3,408 |
| Assets per employee ($millions) | 1.5390% | 6,715 |
| Cash dividends to net income (ytd only)* | 93.2631% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 4,858 |
| Loan loss allowance to noncurrent loans | 254.4304% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 5,118 |
| Noncurrent loans to loans | 0.4563% | 4,856 |
| Net loans and leases to total assets | 81.6485% | 442 |
| Net loans and leases to deposits | 98.8453% | 547 |
| Net loans and leases to core deposits | 118.2941% | 366 |
| Total domestic deposits to total assets | 82.6023% | 4,679 |
| Equity capital to assets | 9.7885% | 4,055 |
| Core capital (leverage) ratio | 11.1548% | 2,232 |
| Tier 1 risk-based capital ratio | 15.1120% | 3,603 |
| Total risk-based capital ratio | 16.3653% | 3,548 |
| Memoranda: | ||
| Average total assets | $430,891,000 | 1,536 |
| Average earning assets | $405,350,000 | 1,497 |
| Average equity | $42,669,000 | 1,646 |
| Average total loans | $346,038,600 | 1,236 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 3,130 |
| Cost of funding earning assets | 0.5034% | 3,736 |
| Net interest margin | 3.7632% | 2,790 |
| Noninterest income to average assets | 10.2470% | 69 |
| Noninterest expense to average assets | 9.6232% | 86 |
| Loan and lease loss provision to assets | 0.1011% | 3,078 |
| Net operating income to assets | 4.0645% | 59 |
| Return on assets (ROA) | 2.8914% | 124 |
| Pretax return on assets | 2.8914% | 153 |
| Return on Equity (ROE) | 29.1122% | 74 |
| Retained earnings to average equity (ytd only) | 2.8849% | 4,601 |
| Net charge-offs to loans | 0.0105% | 4,936 |
| Credit loss provision to net charge-offs | 1,203.7037% | 263 |
| Earnings coverage of net charge-offs (x) | 495.9136% | 118 |
| Efficiency ratio | 69.7900% | 3,794 |
| Assets per employee ($millions) | 1.5428% | 6,786 |
| Cash dividends to net income (ytd only)* | 90.0904% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 4,858 |
| Loan loss allowance to noncurrent loans | 203.9663% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 5,000 |
| Noncurrent loans to loans | 0.5887% | 4,731 |
| Net loans and leases to total assets | 80.0737% | 540 |
| Net loans and leases to deposits | 98.8578% | 522 |
| Net loans and leases to core deposits | 116.2906% | 386 |
| Total domestic deposits to total assets | 80.9988% | 5,213 |
| Equity capital to assets | 10.2300% | 3,601 |
| Core capital (leverage) ratio | 10.9633% | 2,517 |
| Tier 1 risk-based capital ratio | 16.4806% | 2,941 |
| Total risk-based capital ratio | 17.7351% | 2,909 |
| Memoranda: | ||
| Average total assets | $428,576,500 | 1,553 |
| Average earning assets | $403,369,000 | 1,513 |
| Average equity | $42,565,250 | 1,656 |
| Average total loans | $341,649,250 | 1,253 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 3,719 |
| Cost of funding earning assets | 0.4794% | 4,108 |
| Net interest margin | 3.6253% | 3,260 |
| Noninterest income to average assets | 9.5005% | 72 |
| Noninterest expense to average assets | 9.5618% | 89 |
| Loan and lease loss provision to assets | 0.0999% | 3,128 |
| Net operating income to assets | 3.2607% | 97 |
| Return on assets (ROA) | 2.4584% | 194 |
| Pretax return on assets | 2.4584% | 288 |
| Return on Equity (ROE) | 24.9984% | 124 |
| Retained earnings to average equity (ytd only) | -7.0290% | 6,571 |
| Net charge-offs to loans | 0.0129% | 4,604 |
| Credit loss provision to net charge-offs | 977.2727% | 319 |
| Earnings coverage of net charge-offs (x) | 328.8182% | 157 |
| Efficiency ratio | 73.9943% | 3,133 |
| Assets per employee ($millions) | 1.6822% | 6,818 |
| Cash dividends to net income (ytd only)* | 128.1179% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 5,448 |
| Loan loss allowance to noncurrent loans | 204.0204% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 5,120 |
| Noncurrent loans to loans | 0.5384% | 4,913 |
| Net loans and leases to total assets | 81.5923% | 385 |
| Net loans and leases to deposits | 109.1506% | 160 |
| Net loans and leases to core deposits | 126.5220% | 218 |
| Total domestic deposits to total assets | 74.7520% | 6,379 |
| Equity capital to assets | 9.2304% | 4,952 |
| Core capital (leverage) ratio | 11.0748% | 2,287 |
| Tier 1 risk-based capital ratio | 15.0667% | 3,740 |
| Total risk-based capital ratio | 16.3200% | 3,701 |
| Memoranda: | ||
| Average total assets | $430,526,330 | 1,547 |
| Average earning assets | $406,364,330 | 1,499 |
| Average equity | $42,338,670 | 1,667 |
| Average total loans | $341,330,000 | 1,243 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 3,809 |
| Cost of funding earning assets | 0.5404% | 3,673 |
| Net interest margin | 3.5392% | 3,529 |
| Noninterest income to average assets | 8.5797% | 81 |
| Noninterest expense to average assets | 8.6428% | 106 |
| Loan and lease loss provision to assets | 0.0980% | 3,054 |
| Net operating income to assets | 3.1956% | 91 |
| Return on assets (ROA) | 2.3948% | 194 |
| Pretax return on assets | 2.3948% | 311 |
| Return on Equity (ROE) | 23.5971% | 151 |
| Retained earnings to average equity (ytd only) | 14.2492% | 427 |
| Net charge-offs to loans | 0.0231% | 3,712 |
| Credit loss provision to net charge-offs | 547.3684% | 491 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 221 |
| Efficiency ratio | 72.4073% | 3,537 |
| Assets per employee ($millions) | 1.7143% | 6,898 |
| Cash dividends to net income (ytd only)* | 39.6145% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 5,328 |
| Loan loss allowance to noncurrent loans | 207.0594% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 5,247 |
| Noncurrent loans to loans | 0.5648% | 5,025 |
| Net loans and leases to total assets | 76.0141% | 838 |
| Net loans and leases to deposits | 92.2665% | 780 |
| Net loans and leases to core deposits | 127.8908% | 192 |
| Total domestic deposits to total assets | 82.3854% | 5,063 |
| Equity capital to assets | 10.1114% | 4,002 |
| Core capital (leverage) ratio | 11.3305% | 1,996 |
| Tier 1 risk-based capital ratio | 16.4298% | 3,049 |
| Total risk-based capital ratio | 17.6830% | 2,996 |
| Memoranda: | ||
| Average total assets | $424,585,500 | 1,583 |
| Average earning assets | $402,690,000 | 1,517 |
| Average equity | $43,090,000 | 1,653 |
| Average total loans | $329,505,000 | 1,289 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 3,472 |
| Cost of funding earning assets | 0.7380% | 3,181 |
| Net interest margin | 3.7453% | 3,463 |
| Noninterest income to average assets | 7.0991% | 99 |
| Noninterest expense to average assets | 6.9348% | 151 |
| Loan and lease loss provision to assets | 0.1826% | 3,351 |
| Net operating income to assets | 3.5436% | 75 |
| Return on assets (ROA) | 2.5718% | 157 |
| Pretax return on assets | 2.5718% | 236 |
| Return on Equity (ROE) | 24.7472% | 134 |
| Retained earnings to average equity (ytd only) | 15.0470% | 156 |
| Net charge-offs to loans | 0.0440% | 5,300 |
| Credit loss provision to net charge-offs | 546.0317% | 447 |
| Earnings coverage of net charge-offs (x) | 111.4444% | 345 |
| Efficiency ratio | 65.0488% | 4,693 |
| Assets per employee ($millions) | 1.8798% | 6,930 |
| Cash dividends to net income (ytd only)* | 39.1973% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,249 |
| Loan loss allowance to noncurrent loans | 181.8875% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 5,172 |
| Noncurrent loans to loans | 0.6447% | 4,904 |
| Net loans and leases to total assets | 77.4110% | 740 |
| Net loans and leases to deposits | 94.6508% | 708 |
| Net loans and leases to core deposits | 133.2553% | 161 |
| Total domestic deposits to total assets | 81.7859% | 5,167 |
| Equity capital to assets | 10.1877% | 3,906 |
| Core capital (leverage) ratio | 11.7422% | 1,710 |
| Tier 1 risk-based capital ratio | 16.4693% | 2,909 |
| Total risk-based capital ratio | 17.7211% | 2,877 |
| Memoranda: | ||
| Average total assets | $376,850,400 | 1,729 |
| Average earning assets | $358,397,200 | 1,664 |
| Average equity | $39,164,000 | 1,776 |
| Average total loans | $286,278,800 | 1,460 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 3,807 |
| Cost of funding earning assets | 0.6959% | 3,805 |
| Net interest margin | 3.7588% | 3,509 |
| Noninterest income to average assets | 5.7199% | 130 |
| Noninterest expense to average assets | 6.2093% | 197 |
| Loan and lease loss provision to assets | 0.1543% | 3,593 |
| Net operating income to assets | 2.9335% | 109 |
| Return on assets (ROA) | 2.2134% | 310 |
| Pretax return on assets | 2.2134% | 469 |
| Return on Equity (ROE) | 21.1805% | 274 |
| Retained earnings to average equity (ytd only) | 12.4838% | 447 |
| Net charge-offs to loans | 0.0555% | 4,880 |
| Credit loss provision to net charge-offs | 369.5652% | 730 |
| Earnings coverage of net charge-offs (x) | 73.9476% | 559 |
| Efficiency ratio | 66.7877% | 4,290 |
| Assets per employee ($millions) | 2.9498% | 6,131 |
| Cash dividends to net income (ytd only)* | 41.0597% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,236 |
| Loan loss allowance to noncurrent loans | 210.5634% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 5,531 |
| Noncurrent loans to loans | 0.5747% | 5,285 |
| Net loans and leases to total assets | 74.7001% | 1,145 |
| Net loans and leases to deposits | 104.2371% | 275 |
| Net loans and leases to core deposits | 150.3072% | 110 |
| Total domestic deposits to total assets | 71.6637% | 6,759 |
| Equity capital to assets | 9.4228% | 5,301 |
| Core capital (leverage) ratio | 10.3329% | 3,123 |
| Tier 1 risk-based capital ratio | 16.1359% | 3,201 |
| Total risk-based capital ratio | 17.3888% | 3,171 |
| Memoranda: | ||
| Average total assets | $367,202,750 | 1,794 |
| Average earning assets | $349,464,500 | 1,721 |
| Average equity | $38,374,000 | 1,828 |
| Average total loans | $276,495,250 | 1,518 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 3,155 |
| Cost of funding earning assets | 0.6341% | 4,589 |
| Net interest margin | 4.0115% | 2,455 |
| Noninterest income to average assets | 4.2866% | 165 |
| Noninterest expense to average assets | 5.4596% | 282 |
| Loan and lease loss provision to assets | 0.1241% | 3,971 |
| Net operating income to assets | 2.5384% | 164 |
| Return on assets (ROA) | 2.0769% | 386 |
| Pretax return on assets | 2.0769% | 598 |
| Return on Equity (ROE) | 19.1097% | 407 |
| Retained earnings to average equity (ytd only) | 15.7679% | 237 |
| Net charge-offs to loans | 0.0489% | 4,714 |
| Credit loss provision to net charge-offs | 337.5000% | 866 |
| Earnings coverage of net charge-offs (x) | 72.3906% | 555 |
| Efficiency ratio | 67.2186% | 4,287 |
| Assets per employee ($millions) | 2.0151% | 7,051 |
| Cash dividends to net income (ytd only)* | 17.4875% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 5,311 |
| Loan loss allowance to noncurrent loans | 180.8016% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 5,530 |
| Noncurrent loans to loans | 0.6690% | 5,166 |
| Net loans and leases to total assets | 71.5437% | 1,639 |
| Net loans and leases to deposits | 98.0494% | 527 |
| Net loans and leases to core deposits | 143.2946% | 130 |
| Total domestic deposits to total assets | 72.9670% | 6,748 |
| Equity capital to assets | 9.4485% | 5,134 |
| Core capital (leverage) ratio | 11.6195% | 1,825 |
| Tier 1 risk-based capital ratio | 15.8737% | 3,223 |
| Total risk-based capital ratio | 17.1159% | 3,204 |
| Memoranda: | ||
| Average total assets | $348,014,000 | 1,882 |
| Average earning assets | $332,743,330 | 1,807 |
| Average equity | $37,823,670 | 1,847 |
| Average total loans | $261,597,000 | 1,598 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 2,117 |
| Cost of funding earning assets | 0.5632% | 5,406 |
| Net interest margin | 4.3710% | 1,289 |
| Noninterest income to average assets | 0.4339% | 4,424 |
| Noninterest expense to average assets | 2.5930% | 4,844 |
| Loan and lease loss provision to assets | 0.1340% | 3,679 |
| Net operating income to assets | 1.9652% | 451 |
| Return on assets (ROA) | 1.9652% | 517 |
| Pretax return on assets | 1.9652% | 787 |
| Return on Equity (ROE) | 16.6356% | 725 |
| Retained earnings to average equity (ytd only) | 12.9412% | 691 |
| Net charge-offs to loans | -0.0116% | 5,993 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2624% | 6,195 |
| Assets per employee ($millions) | 5.1124% | 2,110 |
| Cash dividends to net income (ytd only)* | 22.2078% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 4,505 |
| Loan loss allowance to noncurrent loans | 167.2374% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 5,208 |
| Noncurrent loans to loans | 0.8507% | 4,975 |
| Net loans and leases to total assets | 76.5335% | 743 |
| Net loans and leases to deposits | 91.3573% | 848 |
| Net loans and leases to core deposits | 124.9385% | 243 |
| Total domestic deposits to total assets | 83.7738% | 4,608 |
| Equity capital to assets | 11.5002% | 2,445 |
| Core capital (leverage) ratio | 11.8235% | 1,696 |
| Tier 1 risk-based capital ratio | 17.1440% | 2,626 |
| Total risk-based capital ratio | 18.3987% | 2,589 |
| Memoranda: | ||
| Average total assets | $313,453,500 | 2,072 |
| Average earning assets | $305,373,000 | 1,950 |
| Average equity | $37,029,000 | 1,881 |
| Average total loans | $241,351,500 | 1,712 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 2,072 |
| Cost of funding earning assets | 0.7545% | 5,177 |
| Net interest margin | 4.4421% | 1,283 |
| Noninterest income to average assets | 0.8106% | 1,999 |
| Noninterest expense to average assets | 2.4923% | 5,492 |
| Loan and lease loss provision to assets | 0.1474% | 4,772 |
| Net operating income to assets | 2.4744% | 136 |
| Return on assets (ROA) | 2.4744% | 144 |
| Pretax return on assets | 2.4744% | 213 |
| Return on Equity (ROE) | 22.2112% | 176 |
| Retained earnings to average equity (ytd only) | 17.2083% | 78 |
| Net charge-offs to loans | 0.1895% | 4,629 |
| Credit loss provision to net charge-offs | 101.4252% | 3,423 |
| Earnings coverage of net charge-offs (x) | 18.0451% | 1,236 |
| Efficiency ratio | 48.7347% | 6,904 |
| Assets per employee ($millions) | 4.7573% | 2,504 |
| Cash dividends to net income (ytd only)* | 22.5244% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 3,877 |
| Loan loss allowance to noncurrent loans | 148.7681% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 5,045 |
| Noncurrent loans to loans | 1.0294% | 4,650 |
| Net loans and leases to total assets | 75.1299% | 1,075 |
| Net loans and leases to deposits | 91.0843% | 1,040 |
| Net loans and leases to core deposits | 128.6003% | 250 |
| Total domestic deposits to total assets | 82.4839% | 4,970 |
| Equity capital to assets | 12.1550% | 2,008 |
| Core capital (leverage) ratio | 12.2673% | 1,458 |
| Tier 1 risk-based capital ratio | 18.7524% | 1,974 |
| Total risk-based capital ratio | 20.0094% | 1,931 |
| Memoranda: | ||
| Average total assets | $289,769,200 | 2,194 |
| Average earning assets | $280,724,600 | 2,091 |
| Average equity | $32,281,000 | 2,065 |
| Average total loans | $222,163,200 | 1,860 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2631% | 1,983 |
| Cost of funding earning assets | 0.7986% | 5,159 |
| Net interest margin | 4.4645% | 1,232 |
| Noninterest income to average assets | 0.9282% | 1,552 |
| Noninterest expense to average assets | 2.4746% | 5,547 |
| Loan and lease loss provision to assets | 0.1490% | 4,585 |
| Net operating income to assets | 2.6245% | 126 |
| Return on assets (ROA) | 2.6245% | 133 |
| Pretax return on assets | 2.6245% | 197 |
| Return on Equity (ROE) | 24.1322% | 158 |
| Retained earnings to average equity (ytd only) | 18.7382% | 100 |
| Net charge-offs to loans | 0.2412% | 3,914 |
| Credit loss provision to net charge-offs | 80.4511% | 4,129 |
| Earnings coverage of net charge-offs (x) | 14.9773% | 1,500 |
| Efficiency ratio | 47.1525% | 7,011 |
| Assets per employee ($millions) | 6.1083% | 1,146 |
| Cash dividends to net income (ytd only)* | 22.3519% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 3,681 |
| Loan loss allowance to noncurrent loans | 142.5354% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 5,085 |
| Noncurrent loans to loans | 1.1209% | 4,671 |
| Net loans and leases to total assets | 71.8004% | 1,756 |
| Net loans and leases to deposits | 86.4135% | 1,632 |
| Net loans and leases to core deposits | 122.4063% | 330 |
| Total domestic deposits to total assets | 83.0893% | 4,642 |
| Equity capital to assets | 11.3462% | 2,817 |
| Core capital (leverage) ratio | 11.3935% | 2,105 |
| Tier 1 risk-based capital ratio | 18.2414% | 2,177 |
| Total risk-based capital ratio | 19.4993% | 2,140 |
| Memoranda: | ||
| Average total assets | $287,283,250 | 2,223 |
| Average earning assets | $277,976,500 | 2,118 |
| Average equity | $31,243,750 | 2,123 |
| Average total loans | $220,535,000 | 1,883 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4253% | 1,488 |
| Cost of funding earning assets | 0.8385% | 5,133 |
| Net interest margin | 4.5868% | 932 |
| Noninterest income to average assets | 1.1566% | 959 |
| Noninterest expense to average assets | 2.5102% | 5,493 |
| Loan and lease loss provision to assets | 0.1458% | 4,486 |
| Net operating income to assets | 2.9294% | 107 |
| Return on assets (ROA) | 2.9294% | 110 |
| Pretax return on assets | 2.9294% | 148 |
| Return on Equity (ROE) | 27.3411% | 97 |
| Retained earnings to average equity (ytd only) | 21.2108% | 74 |
| Net charge-offs to loans | 0.2559% | 3,606 |
| Credit loss provision to net charge-offs | 72.9825% | 3,984 |
| Earnings coverage of net charge-offs (x) | 15.3930% | 1,410 |
| Efficiency ratio | 44.9423% | 7,203 |
| Assets per employee ($millions) | 5.7404% | 1,350 |
| Cash dividends to net income (ytd only)* | 22.4216% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,959 |
| Loan loss allowance to noncurrent loans | 104.1743% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 4,586 |
| Noncurrent loans to loans | 1.4744% | 4,213 |
| Net loans and leases to total assets | 76.3662% | 1,025 |
| Net loans and leases to deposits | 91.9424% | 1,069 |
| Net loans and leases to core deposits | 134.4590% | 228 |
| Total domestic deposits to total assets | 83.0587% | 4,730 |
| Equity capital to assets | 11.1901% | 2,773 |
| Core capital (leverage) ratio | 10.9240% | 2,320 |
| Tier 1 risk-based capital ratio | 16.7328% | 2,637 |
| Total risk-based capital ratio | 17.9894% | 2,589 |
| Memoranda: | ||
| Average total assets | $285,311,330 | 2,247 |
| Average earning assets | $275,487,000 | 2,138 |
| Average equity | $30,569,330 | 2,153 |
| Average total loans | $222,734,670 | 1,890 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 2,583 |
| Cost of funding earning assets | 0.8666% | 5,160 |
| Net interest margin | 4.2480% | 1,753 |
| Noninterest income to average assets | 1.9124% | 386 |
| Noninterest expense to average assets | 2.5536% | 5,375 |
| Loan and lease loss provision to assets | 0.1336% | 4,335 |
| Net operating income to assets | 3.3130% | 98 |
| Return on assets (ROA) | 3.3130% | 100 |
| Pretax return on assets | 3.3130% | 132 |
| Return on Equity (ROE) | 31.6295% | 68 |
| Retained earnings to average equity (ytd only) | 24.6484% | 104 |
| Net charge-offs to loans | 0.0646% | 4,282 |
| Credit loss provision to net charge-offs | 263.8889% | 1,192 |
| Earnings coverage of net charge-offs (x) | 68.0833% | 446 |
| Efficiency ratio | 42.5592% | 7,332 |
| Assets per employee ($millions) | 5.4252% | 1,640 |
| Cash dividends to net income (ytd only)* | 22.0713% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 3,647 |
| Loan loss allowance to noncurrent loans | 90.8975% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 4,313 |
| Noncurrent loans to loans | 1.7846% | 3,842 |
| Net loans and leases to total assets | 72.2546% | 1,670 |
| Net loans and leases to deposits | 86.1495% | 1,707 |
| Net loans and leases to core deposits | 123.1990% | 362 |
| Total domestic deposits to total assets | 83.8712% | 4,539 |
| Equity capital to assets | 10.2931% | 3,422 |
| Core capital (leverage) ratio | 10.9863% | 2,199 |
| Tier 1 risk-based capital ratio | 15.9230% | 2,940 |
| Total risk-based capital ratio | 17.1802% | 2,908 |
| Memoranda: | ||
| Average total assets | $284,456,500 | 2,270 |
| Average earning assets | $273,727,500 | 2,171 |
| Average equity | $29,795,000 | 2,192 |
| Average total loans | $222,799,000 | 1,910 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8102% | 1,255 |
| Cost of funding earning assets | 1.1439% | 4,884 |
| Net interest margin | 4.6663% | 877 |
| Noninterest income to average assets | 0.6209% | 3,337 |
| Noninterest expense to average assets | 2.9861% | 3,903 |
| Loan and lease loss provision to assets | 0.2842% | 4,529 |
| Net operating income to assets | 1.7940% | 422 |
| Return on assets (ROA) | 1.7940% | 455 |
| Pretax return on assets | 1.7940% | 768 |
| Return on Equity (ROE) | 16.8518% | 493 |
| Retained earnings to average equity (ytd only) | -11.4529% | 6,736 |
| Net charge-offs to loans | 0.2102% | 5,030 |
| Credit loss provision to net charge-offs | 167.0807% | 2,038 |
| Earnings coverage of net charge-offs (x) | 12.2174% | 1,529 |
| Efficiency ratio | 58.9638% | 6,203 |
| Assets per employee ($millions) | 3.5134% | 4,908 |
| Cash dividends to net income (ytd only)* | 167.9623% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 3,804 |
| Loan loss allowance to noncurrent loans | 90.3826% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.4372% | 4,180 |
| Noncurrent loans to loans | 1.7081% | 3,941 |
| Net loans and leases to total assets | 82.4129% | 414 |
| Net loans and leases to deposits | 99.3565% | 617 |
| Net loans and leases to core deposits | 128.2811% | 353 |
| Total domestic deposits to total assets | 82.9467% | 4,816 |
| Equity capital to assets | 10.6743% | 2,987 |
| Core capital (leverage) ratio | 10.5769% | 2,487 |
| Tier 1 risk-based capital ratio | 14.4055% | 3,611 |
| Total risk-based capital ratio | 15.6616% | 3,564 |
| Memoranda: | ||
| Average total assets | $283,950,800 | 2,255 |
| Average earning assets | $270,386,600 | 2,179 |
| Average equity | $30,228,200 | 2,155 |
| Average total loans | $229,808,200 | 1,900 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 1,452 |
| Cost of funding earning assets | 1.1762% | 5,002 |
| Net interest margin | 4.6047% | 1,031 |
| Noninterest income to average assets | 0.6251% | 3,281 |
| Noninterest expense to average assets | 3.0731% | 3,455 |
| Loan and lease loss provision to assets | 0.3235% | 4,001 |
| Net operating income to assets | 1.6126% | 730 |
| Return on assets (ROA) | 1.6126% | 800 |
| Pretax return on assets | 1.6126% | 1,318 |
| Return on Equity (ROE) | 15.1581% | 834 |
| Retained earnings to average equity (ytd only) | -6.0283% | 6,633 |
| Net charge-offs to loans | 0.1000% | 5,529 |
| Credit loss provision to net charge-offs | 402.8902% | 747 |
| Earnings coverage of net charge-offs (x) | 24.1157% | 1,038 |
| Efficiency ratio | 61.3489% | 5,730 |
| Assets per employee ($millions) | 3.3952% | 5,218 |
| Cash dividends to net income (ytd only)* | 139.7697% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 3,514 |
| Loan loss allowance to noncurrent loans | 52.2772% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.7291% | 2,656 |
| Noncurrent loans to loans | 3.0679% | 2,604 |
| Net loans and leases to total assets | 84.5406% | 299 |
| Net loans and leases to deposits | 103.3637% | 463 |
| Net loans and leases to core deposits | 135.4145% | 307 |
| Total domestic deposits to total assets | 81.7894% | 5,079 |
| Equity capital to assets | 11.5414% | 2,498 |
| Core capital (leverage) ratio | 11.2989% | 2,066 |
| Tier 1 risk-based capital ratio | 15.2639% | 3,120 |
| Total risk-based capital ratio | 16.5207% | 3,081 |
| Memoranda: | ||
| Average total assets | $287,306,500 | 2,265 |
| Average earning assets | $273,540,250 | 2,189 |
| Average equity | $30,566,000 | 2,160 |
| Average total loans | $230,648,750 | 1,916 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6433% | 1,967 |
| Cost of funding earning assets | 1.2101% | 5,069 |
| Net interest margin | 4.4331% | 1,364 |
| Noninterest income to average assets | 0.6211% | 3,186 |
| Noninterest expense to average assets | 2.9652% | 3,835 |
| Loan and lease loss provision to assets | 0.3637% | 3,528 |
| Net operating income to assets | 1.5160% | 888 |
| Return on assets (ROA) | 1.5160% | 949 |
| Pretax return on assets | 1.5160% | 1,515 |
| Return on Equity (ROE) | 14.6274% | 920 |
| Retained earnings to average equity (ytd only) | -15.2911% | 7,113 |
| Net charge-offs to loans | 0.0962% | 5,185 |
| Credit loss provision to net charge-offs | 481.0811% | 773 |
| Earnings coverage of net charge-offs (x) | 24.8649% | 1,054 |
| Efficiency ratio | 61.2033% | 5,821 |
| Assets per employee ($millions) | 3.4860% | 4,958 |
| Cash dividends to net income (ytd only)* | 204.5373% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 3,619 |
| Loan loss allowance to noncurrent loans | 57.1633% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.2001% | 3,259 |
| Noncurrent loans to loans | 2.7324% | 2,916 |
| Net loans and leases to total assets | 79.2611% | 909 |
| Net loans and leases to deposits | 95.3337% | 1,111 |
| Net loans and leases to core deposits | 128.3448% | 453 |
| Total domestic deposits to total assets | 83.1407% | 4,508 |
| Equity capital to assets | 10.4987% | 3,411 |
| Core capital (leverage) ratio | 10.2656% | 2,877 |
| Tier 1 risk-based capital ratio | 14.7649% | 3,280 |
| Total risk-based capital ratio | 16.0214% | 3,250 |
| Memoranda: | ||
| Average total assets | $293,669,330 | 2,243 |
| Average earning assets | $279,802,000 | 2,162 |
| Average equity | $30,436,000 | 2,163 |
| Average total loans | $230,715,330 | 1,938 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 2,289 |
| Cost of funding earning assets | 1.2470% | 5,128 |
| Net interest margin | 4.3213% | 1,625 |
| Noninterest income to average assets | 0.6062% | 3,240 |
| Noninterest expense to average assets | 3.1078% | 3,229 |
| Loan and lease loss provision to assets | 0.4772% | 2,591 |
| Net operating income to assets | 1.1345% | 1,730 |
| Return on assets (ROA) | 1.1345% | 1,802 |
| Pretax return on assets | 1.1345% | 2,609 |
| Return on Equity (ROE) | 11.0152% | 1,784 |
| Retained earnings to average equity (ytd only) | -44.1000% | 7,667 |
| Net charge-offs to loans | 0.1905% | 3,781 |
| Credit loss provision to net charge-offs | 322.7273% | 1,227 |
| Earnings coverage of net charge-offs (x) | 10.9000% | 1,698 |
| Efficiency ratio | 65.8502% | 5,152 |
| Assets per employee ($millions) | 3.7318% | 4,495 |
| Cash dividends to net income (ytd only)* | 500.3555% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,836 |
| Loan loss allowance to noncurrent loans | 54.2553% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.4259% | 2,999 |
| Noncurrent loans to loans | 2.7911% | 2,866 |
| Net loans and leases to total assets | 73.5165% | 2,076 |
| Net loans and leases to deposits | 87.4261% | 2,328 |
| Net loans and leases to core deposits | 114.8764% | 1,002 |
| Total domestic deposits to total assets | 84.0899% | 4,104 |
| Equity capital to assets | 9.5799% | 4,407 |
| Core capital (leverage) ratio | 9.5642% | 3,683 |
| Tier 1 risk-based capital ratio | 14.0782% | 3,608 |
| Total risk-based capital ratio | 15.3333% | 3,565 |
| Memoranda: | ||
| Average total assets | $297,577,000 | 2,261 |
| Average earning assets | $283,251,000 | 2,188 |
| Average equity | $30,648,500 | 2,174 |
| Average total loans | $230,990,000 | 1,992 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3875% | 854 |
| Cost of funding earning assets | 1.4802% | 5,595 |
| Net interest margin | 4.9073% | 546 |
| Noninterest income to average assets | 0.5564% | 3,972 |
| Noninterest expense to average assets | 3.0229% | 4,061 |
| Loan and lease loss provision to assets | 0.3908% | 4,449 |
| Net operating income to assets | 1.8096% | 353 |
| Return on assets (ROA) | 1.8096% | 363 |
| Pretax return on assets | 1.8096% | 622 |
| Return on Equity (ROE) | 16.6992% | 484 |
| Retained earnings to average equity (ytd only) | 12.6498% | 173 |
| Net charge-offs to loans | 0.0908% | 6,220 |
| Credit loss provision to net charge-offs | 518.8679% | 589 |
| Earnings coverage of net charge-offs (x) | 29.2123% | 784 |
| Efficiency ratio | 57.8736% | 6,784 |
| Assets per employee ($millions) | 3.4866% | 5,034 |
| Cash dividends to net income (ytd only)* | 24.2490% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 4,523 |
| Loan loss allowance to noncurrent loans | 28.1405% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 4.2243% | 1,551 |
| Noncurrent loans to loans | 4.7694% | 1,453 |
| Net loans and leases to total assets | 79.6128% | 1,064 |
| Net loans and leases to deposits | 96.6832% | 1,241 |
| Net loans and leases to core deposits | 164.9262% | 285 |
| Total domestic deposits to total assets | 82.3440% | 4,799 |
| Equity capital to assets | 11.0419% | 2,682 |
| Core capital (leverage) ratio | 11.5325% | 1,900 |
| Tier 1 risk-based capital ratio | 15.2707% | 2,815 |
| Total risk-based capital ratio | 16.5239% | 2,772 |
| Memoranda: | ||
| Average total assets | $281,448,600 | 2,336 |
| Average earning assets | $267,664,200 | 2,260 |
| Average equity | $30,498,400 | 2,197 |
| Average total loans | $233,359,000 | 2,007 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4463% | 843 |
| Cost of funding earning assets | 1.5450% | 5,659 |
| Net interest margin | 4.9013% | 554 |
| Noninterest income to average assets | 0.5145% | 4,372 |
| Noninterest expense to average assets | 3.0668% | 3,780 |
| Loan and lease loss provision to assets | 0.1560% | 5,789 |
| Net operating income to assets | 1.9526% | 323 |
| Return on assets (ROA) | 1.9526% | 345 |
| Pretax return on assets | 1.9526% | 586 |
| Return on Equity (ROE) | 18.1098% | 447 |
| Retained earnings to average equity (ytd only) | 13.7688% | 206 |
| Net charge-offs to loans | 0.0298% | 6,468 |
| Credit loss provision to net charge-offs | 626.9231% | 601 |
| Earnings coverage of net charge-offs (x) | 84.7327% | 407 |
| Efficiency ratio | 59.2565% | 6,521 |
| Assets per employee ($millions) | 3.1106% | 5,880 |
| Cash dividends to net income (ytd only)* | 23.9707% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 5,939 |
| Loan loss allowance to noncurrent loans | 76.7247% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 3,853 |
| Noncurrent loans to loans | 1.3868% | 4,594 |
| Net loans and leases to total assets | 87.8887% | 212 |
| Net loans and leases to deposits | 108.5539% | 520 |
| Net loans and leases to core deposits | 194.9422% | 117 |
| Total domestic deposits to total assets | 80.9632% | 5,090 |
| Equity capital to assets | 11.6701% | 2,454 |
| Core capital (leverage) ratio | 11.4769% | 2,086 |
| Tier 1 risk-based capital ratio | 14.8749% | 3,105 |
| Total risk-based capital ratio | 16.0797% | 3,064 |
| Memoranda: | ||
| Average total assets | $278,592,000 | 2,372 |
| Average earning assets | $264,930,250 | 2,297 |
| Average equity | $30,038,250 | 2,251 |
| Average total loans | $232,614,250 | 2,038 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3598% | 1,080 |
| Cost of funding earning assets | 1.5901% | 5,778 |
| Net interest margin | 4.7696% | 702 |
| Noninterest income to average assets | 0.4772% | 4,652 |
| Noninterest expense to average assets | 3.0116% | 4,040 |
| Loan and lease loss provision to assets | 0.1493% | 5,578 |
| Net operating income to assets | 1.8553% | 405 |
| Return on assets (ROA) | 1.8553% | 440 |
| Pretax return on assets | 1.8553% | 763 |
| Return on Equity (ROE) | 17.6740% | 520 |
| Retained earnings to average equity (ytd only) | 13.4062% | 288 |
| Net charge-offs to loans | 0.0426% | 5,869 |
| Credit loss provision to net charge-offs | 428.5714% | 1,077 |
| Earnings coverage of net charge-offs (x) | 57.5306% | 619 |
| Efficiency ratio | 60.0369% | 6,545 |
| Assets per employee ($millions) | 2.9890% | 6,164 |
| Cash dividends to net income (ytd only)* | 24.1472% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 5,802 |
| Loan loss allowance to noncurrent loans | 70.7875% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.7532% | 3,547 |
| Noncurrent loans to loans | 1.5078% | 4,234 |
| Net loans and leases to total assets | 82.4158% | 881 |
| Net loans and leases to deposits | 102.3534% | 1,050 |
| Net loans and leases to core deposits | 182.0571% | 204 |
| Total domestic deposits to total assets | 80.5208% | 5,270 |
| Equity capital to assets | 11.0769% | 2,849 |
| Core capital (leverage) ratio | 10.9632% | 2,432 |
| Tier 1 risk-based capital ratio | 14.9281% | 3,052 |
| Total risk-based capital ratio | 16.1263% | 3,008 |
| Memoranda: | ||
| Average total assets | $281,248,330 | 2,371 |
| Average earning assets | $267,651,330 | 2,290 |
| Average equity | $29,523,670 | 2,302 |
| Average total loans | $230,017,330 | 2,084 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4247% | 1,007 |
| Cost of funding earning assets | 1.6741% | 5,725 |
| Net interest margin | 4.7506% | 685 |
| Noninterest income to average assets | 0.4543% | 4,725 |
| Noninterest expense to average assets | 2.7330% | 4,859 |
| Loan and lease loss provision to assets | 0.1477% | 5,052 |
| Net operating income to assets | 2.1000% | 285 |
| Return on assets (ROA) | 2.1000% | 331 |
| Pretax return on assets | 2.1000% | 540 |
| Return on Equity (ROE) | 20.5538% | 386 |
| Retained earnings to average equity (ytd only) | 15.6941% | 364 |
| Net charge-offs to loans | 0.0590% | 4,646 |
| Credit loss provision to net charge-offs | 308.8235% | 1,578 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 761 |
| Efficiency ratio | 54.8715% | 7,120 |
| Assets per employee ($millions) | 3.3786% | 5,131 |
| Cash dividends to net income (ytd only)* | 23.6437% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 5,919 |
| Loan loss allowance to noncurrent loans | 167.8546% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 4,722 |
| Noncurrent loans to loans | 0.6148% | 5,863 |
| Net loans and leases to total assets | 80.5350% | 1,286 |
| Net loans and leases to deposits | 99.4938% | 1,476 |
| Net loans and leases to core deposits | 173.0975% | 301 |
| Total domestic deposits to total assets | 80.9448% | 4,995 |
| Equity capital to assets | 10.5628% | 3,396 |
| Core capital (leverage) ratio | 9.9504% | 3,457 |
| Tier 1 risk-based capital ratio | 14.1293% | 3,508 |
| Total risk-based capital ratio | 15.2527% | 3,508 |
| Memoranda: | ||
| Average total assets | $284,379,500 | 2,367 |
| Average earning assets | $270,956,000 | 2,283 |
| Average equity | $29,055,500 | 2,341 |
| Average total loans | $230,487,500 | 2,095 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3315% | 558 |
| Cost of funding earning assets | 2.2592% | 5,338 |
| Net interest margin | 5.0724% | 434 |
| Noninterest income to average assets | 0.5355% | 4,355 |
| Noninterest expense to average assets | 2.8453% | 4,622 |
| Loan and lease loss provision to assets | 0.1163% | 5,889 |
| Net operating income to assets | 2.3216% | 184 |
| Return on assets (ROA) | 2.3216% | 178 |
| Pretax return on assets | 2.3216% | 296 |
| Return on Equity (ROE) | 23.8844% | 175 |
| Retained earnings to average equity (ytd only) | 15.4432% | 77 |
| Net charge-offs to loans | 0.0041% | 6,936 |
| Credit loss provision to net charge-offs | 3,500.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 733.8889% | 74 |
| Efficiency ratio | 53.8564% | 7,281 |
| Assets per employee ($millions) | 3.4739% | 4,739 |
| Cash dividends to net income (ytd only)* | 35.3418% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 6,204 |
| Loan loss allowance to noncurrent loans | 92.9589% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8521% | 4,714 |
| Noncurrent loans to loans | 1.0555% | 4,464 |
| Net loans and leases to total assets | 79.9405% | 1,679 |
| Net loans and leases to deposits | 97.8070% | 2,155 |
| Net loans and leases to core deposits | 176.1554% | 329 |
| Total domestic deposits to total assets | 81.7329% | 4,305 |
| Equity capital to assets | 9.8810% | 4,182 |
| Core capital (leverage) ratio | 9.7858% | 3,670 |
| Tier 1 risk-based capital ratio | 13.4165% | 3,865 |
| Total risk-based capital ratio | 14.4924% | 3,883 |
| Memoranda: | ||
| Average total assets | $270,937,600 | 2,375 |
| Average earning assets | $253,589,800 | 2,336 |
| Average equity | $26,335,200 | 2,526 |
| Average total loans | $222,207,200 | 2,109 |