Home > Drummond Community Bank > Performance and Condition Ratios
Drummond Community 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 | 4.3096% | 718 |
| Cost of funding earning assets | 0.0791% | 4,426 |
| Net interest margin | 4.2305% | 390 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 3.2057% | 688 |
| Loan and lease loss provision to assets | 0.4000% | 141 |
| Net operating income to assets | 1.0639% | 2,236 |
| Return on assets (ROA) | 1.0642% | 2,195 |
| Pretax return on assets | 1.3090% | 2,017 |
| Return on Equity (ROE) | 13.4000% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.7416% | 854 |
| Net charge-offs to loans | 0.4784% | 135 |
| Credit loss provision to net charge-offs | 153.1504% | 1,119 |
| Earnings coverage of net charge-offs (x) | 6.5757% | 2,103 |
| Efficiency ratio | 64.7477% | 2,444 |
| Assets per employee ($millions) | 5.0757% | 3,616 |
| Cash dividends to net income (ytd only)* | 12.3870% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 765 |
| Loan loss allowance to noncurrent loans | 1,069.3333% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 2,553 |
| Noncurrent loans to loans | 0.1657% | 2,767 |
| Net loans and leases to total assets | 56.6500% | 2,838 |
| Net loans and leases to deposits | 65.7201% | 2,743 |
| Net loans and leases to core deposits | 67.0526% | 2,874 |
| Total domestic deposits to total assets | 86.2000% | 3,020 |
| Equity capital to assets | 5.9916% | 3,971 |
| Core capital (leverage) ratio | 9.7948% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,011,455,750 | 974 |
| Average earning assets | $938,907,500 | 969 |
| Average equity | $80,316,500 | 1,137 |
| Average total loans | $548,508,000 | 1,101 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 617 |
| Cost of funding earning assets | 0.0595% | 4,533 |
| Net interest margin | 4.1533% | 366 |
| Noninterest income to average assets | 1.0088% | 650 |
| Noninterest expense to average assets | 3.1015% | 730 |
| Loan and lease loss provision to assets | 0.3401% | 182 |
| Net operating income to assets | 1.0952% | 1,788 |
| Return on assets (ROA) | 1.0952% | 1,770 |
| Pretax return on assets | 1.4399% | 1,330 |
| Return on Equity (ROE) | 12.7386% | 1,453 |
| Retained earnings to average equity (ytd only) | 10.4321% | 918 |
| Net charge-offs to loans | 0.3606% | 192 |
| Credit loss provision to net charge-offs | 177.7202% | 1,025 |
| Earnings coverage of net charge-offs (x) | 9.3016% | 1,793 |
| Efficiency ratio | 63.0403% | 2,915 |
| Assets per employee ($millions) | 4.9769% | 3,691 |
| Cash dividends to net income (ytd only)* | 18.1061% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 844 |
| Loan loss allowance to noncurrent loans | 1,319.0104% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 2,793 |
| Noncurrent loans to loans | 0.1345% | 3,036 |
| Net loans and leases to total assets | 55.2348% | 2,829 |
| Net loans and leases to deposits | 60.6834% | 3,007 |
| Net loans and leases to core deposits | 64.0850% | 2,963 |
| Total domestic deposits to total assets | 91.0213% | 1,233 |
| Equity capital to assets | 6.9954% | 3,774 |
| Core capital (leverage) ratio | 9.6328% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,008,539,000 | 972 |
| Average earning assets | $940,409,667 | 967 |
| Average equity | $86,713,000 | 1,091 |
| Average total loans | $535,207,667 | 1,111 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 792 |
| Cost of funding earning assets | 0.0586% | 4,534 |
| Net interest margin | 3.9298% | 468 |
| Noninterest income to average assets | 1.0343% | 638 |
| Noninterest expense to average assets | 3.0463% | 764 |
| Loan and lease loss provision to assets | 0.2953% | 211 |
| Net operating income to assets | 1.0661% | 1,633 |
| Return on assets (ROA) | 1.0661% | 1,625 |
| Pretax return on assets | 1.3745% | 1,315 |
| Return on Equity (ROE) | 11.3327% | 1,509 |
| Retained earnings to average equity (ytd only) | 11.3327% | 718 |
| Net charge-offs to loans | 0.3758% | 178 |
| Credit loss provision to net charge-offs | 152.6749% | 857 |
| Earnings coverage of net charge-offs (x) | 8.6337% | 1,508 |
| Efficiency ratio | 64.0452% | 3,022 |
| Assets per employee ($millions) | 5.1251% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 918 |
| Loan loss allowance to noncurrent loans | 1,110.1382% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 2,851 |
| Noncurrent loans to loans | 0.1599% | 3,004 |
| Net loans and leases to total assets | 52.0072% | 2,989 |
| Net loans and leases to deposits | 57.2114% | 3,156 |
| Net loans and leases to core deposits | 59.9255% | 3,153 |
| Total domestic deposits to total assets | 90.9036% | 1,082 |
| Equity capital to assets | 8.3441% | 3,289 |
| Core capital (leverage) ratio | 9.9324% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,005,169,000 | 976 |
| Average earning assets | $941,719,500 | 968 |
| Average equity | $94,558,000 | 1,031 |
| Average total loans | $517,353,000 | 1,132 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 1,381 |
| Cost of funding earning assets | 0.0801% | 4,530 |
| Net interest margin | 3.9091% | 840 |
| Noninterest income to average assets | 1.1031% | 854 |
| Noninterest expense to average assets | 3.1182% | 822 |
| Loan and lease loss provision to assets | 0.1542% | 773 |
| Net operating income to assets | 1.2091% | 1,895 |
| Return on assets (ROA) | 1.3696% | 1,429 |
| Pretax return on assets | 1.6938% | 1,164 |
| Return on Equity (ROE) | 12.5592% | 1,623 |
| Retained earnings to average equity (ytd only) | 11.5534% | 605 |
| Net charge-offs to loans | 0.1672% | 575 |
| Credit loss provision to net charge-offs | 178.8804% | 1,370 |
| Earnings coverage of net charge-offs (x) | 19.1387% | 1,886 |
| Efficiency ratio | 64.8011% | 2,432 |
| Assets per employee ($millions) | 4.6698% | 3,987 |
| Cash dividends to net income (ytd only)* | 8.0083% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 718 |
| Loan loss allowance to noncurrent loans | 921.4145% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 2,848 |
| Noncurrent loans to loans | 0.2069% | 2,920 |
| Net loans and leases to total assets | 48.9797% | 3,410 |
| Net loans and leases to deposits | 55.2003% | 3,496 |
| Net loans and leases to core deposits | 58.1524% | 3,460 |
| Total domestic deposits to total assets | 88.7309% | 1,649 |
| Equity capital to assets | 10.5131% | 2,164 |
| Core capital (leverage) ratio | 9.9144% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $911,735,200 | 1,037 |
| Average earning assets | $854,828,600 | 1,027 |
| Average equity | $99,425,400 | 1,015 |
| Average total loans | $470,093,800 | 1,218 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 1,648 |
| Cost of funding earning assets | 0.0860% | 4,606 |
| Net interest margin | 3.8603% | 1,007 |
| Noninterest income to average assets | 1.0958% | 925 |
| Noninterest expense to average assets | 3.1009% | 821 |
| Loan and lease loss provision to assets | 0.1603% | 691 |
| Net operating income to assets | 1.1579% | 2,334 |
| Return on assets (ROA) | 1.3734% | 1,671 |
| Pretax return on assets | 1.7196% | 1,362 |
| Return on Equity (ROE) | 12.4705% | 1,876 |
| Retained earnings to average equity (ytd only) | 12.1317% | 811 |
| Net charge-offs to loans | 0.1429% | 575 |
| Credit loss provision to net charge-offs | 215.6627% | 1,165 |
| Earnings coverage of net charge-offs (x) | 21.6687% | 1,706 |
| Efficiency ratio | 65.2021% | 2,219 |
| Assets per employee ($millions) | 4.4338% | 4,169 |
| Cash dividends to net income (ytd only)* | 2.7168% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 609 |
| Loan loss allowance to noncurrent loans | 891.6905% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,036 |
| Noncurrent loans to loans | 0.2267% | 3,036 |
| Net loans and leases to total assets | 47.2469% | 3,688 |
| Net loans and leases to deposits | 53.3431% | 3,788 |
| Net loans and leases to core deposits | 56.5247% | 3,732 |
| Total domestic deposits to total assets | 88.5718% | 1,530 |
| Equity capital to assets | 10.6777% | 2,281 |
| Core capital (leverage) ratio | 10.1622% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $893,338,500 | 1,064 |
| Average earning assets | $836,746,750 | 1,058 |
| Average equity | $98,384,750 | 1,042 |
| Average total loans | $464,620,250 | 1,253 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 2,023 |
| Cost of funding earning assets | 0.0905% | 4,635 |
| Net interest margin | 3.7266% | 1,278 |
| Noninterest income to average assets | 1.1107% | 917 |
| Noninterest expense to average assets | 3.0681% | 886 |
| Loan and lease loss provision to assets | 0.1769% | 651 |
| Net operating income to assets | 1.0734% | 2,636 |
| Return on assets (ROA) | 1.2291% | 2,151 |
| Pretax return on assets | 1.5440% | 1,890 |
| Return on Equity (ROE) | 11.0368% | 2,411 |
| Retained earnings to average equity (ytd only) | 11.0368% | 1,113 |
| Net charge-offs to loans | 0.0421% | 1,216 |
| Credit loss provision to net charge-offs | 786.7347% | 546 |
| Earnings coverage of net charge-offs (x) | 67.8980% | 914 |
| Efficiency ratio | 66.1341% | 2,132 |
| Assets per employee ($millions) | 4.3909% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 645 |
| Loan loss allowance to noncurrent loans | 775.1027% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 3,099 |
| Noncurrent loans to loans | 0.2544% | 3,027 |
| Net loans and leases to total assets | 51.0924% | 3,440 |
| Net loans and leases to deposits | 57.8808% | 3,557 |
| Net loans and leases to core deposits | 61.0821% | 3,536 |
| Total domestic deposits to total assets | 88.2716% | 1,687 |
| Equity capital to assets | 10.8281% | 2,124 |
| Core capital (leverage) ratio | 10.1137% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $871,884,667 | 1,079 |
| Average earning assets | $815,060,000 | 1,073 |
| Average equity | $97,093,000 | 1,046 |
| Average total loans | $465,553,667 | 1,254 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 2,301 |
| Cost of funding earning assets | 0.0973% | 4,665 |
| Net interest margin | 3.6263% | 1,511 |
| Noninterest income to average assets | 1.0926% | 992 |
| Noninterest expense to average assets | 3.0088% | 977 |
| Loan and lease loss provision to assets | 0.2002% | 610 |
| Net operating income to assets | 1.0001% | 2,806 |
| Return on assets (ROA) | 0.9993% | 2,904 |
| Pretax return on assets | 1.2721% | 2,650 |
| Return on Equity (ROE) | 8.8416% | 3,088 |
| Retained earnings to average equity (ytd only) | 8.8416% | 2,004 |
| Net charge-offs to loans | 0.0244% | 1,263 |
| Credit loss provision to net charge-offs | 1,517.8571% | 301 |
| Earnings coverage of net charge-offs (x) | 111.6786% | 572 |
| Efficiency ratio | 66.4459% | 2,165 |
| Assets per employee ($millions) | 4.0731% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0312% | 559 |
| Loan loss allowance to noncurrent loans | 640.3497% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 3,213 |
| Noncurrent loans to loans | 0.3172% | 2,962 |
| Net loans and leases to total assets | 51.3899% | 3,504 |
| Net loans and leases to deposits | 58.2043% | 3,631 |
| Net loans and leases to core deposits | 60.3350% | 3,676 |
| Total domestic deposits to total assets | 88.2923% | 1,704 |
| Equity capital to assets | 11.0345% | 1,831 |
| Core capital (leverage) ratio | 10.6642% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $848,977,500 | 1,092 |
| Average earning assets | $793,546,500 | 1,089 |
| Average equity | $95,955,000 | 1,043 |
| Average total loans | $459,177,000 | 1,268 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 937 |
| Cost of funding earning assets | 0.1655% | 4,687 |
| Net interest margin | 4.5103% | 326 |
| Noninterest income to average assets | 1.0395% | 976 |
| Noninterest expense to average assets | 3.2466% | 976 |
| Loan and lease loss provision to assets | 0.1227% | 2,836 |
| Net operating income to assets | 1.5041% | 799 |
| Return on assets (ROA) | 1.5043% | 872 |
| Pretax return on assets | 1.8835% | 574 |
| Return on Equity (ROE) | 12.6096% | 1,149 |
| Retained earnings to average equity (ytd only) | 12.0519% | 308 |
| Net charge-offs to loans | 0.1072% | 1,402 |
| Credit loss provision to net charge-offs | 197.8541% | 2,172 |
| Earnings coverage of net charge-offs (x) | 32.3498% | 1,542 |
| Efficiency ratio | 61.0731% | 3,297 |
| Assets per employee ($millions) | 4.3673% | 4,051 |
| Cash dividends to net income (ytd only)* | 4.4228% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 760 |
| Loan loss allowance to noncurrent loans | 1,003.4364% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 3,606 |
| Noncurrent loans to loans | 0.1867% | 3,544 |
| Net loans and leases to total assets | 54.7123% | 3,420 |
| Net loans and leases to deposits | 62.3048% | 3,582 |
| Net loans and leases to core deposits | 64.4943% | 3,659 |
| Total domestic deposits to total assets | 87.8139% | 1,569 |
| Equity capital to assets | 11.5770% | 1,830 |
| Core capital (leverage) ratio | 10.5674% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $751,529,000 | 1,105 |
| Average earning assets | $701,990,600 | 1,098 |
| Average equity | $89,654,200 | 1,060 |
| Average total loans | $434,634,200 | 1,263 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 671 |
| Cost of funding earning assets | 0.1823% | 4,725 |
| Net interest margin | 4.7630% | 218 |
| Noninterest income to average assets | 1.0112% | 1,004 |
| Noninterest expense to average assets | 3.2676% | 955 |
| Loan and lease loss provision to assets | 0.1103% | 2,939 |
| Net operating income to assets | 1.6443% | 655 |
| Return on assets (ROA) | 1.6445% | 728 |
| Pretax return on assets | 2.0787% | 439 |
| Return on Equity (ROE) | 13.6688% | 944 |
| Retained earnings to average equity (ytd only) | 13.2892% | 305 |
| Net charge-offs to loans | 0.1304% | 1,101 |
| Credit loss provision to net charge-offs | 144.8441% | 2,358 |
| Earnings coverage of net charge-offs (x) | 28.7314% | 1,627 |
| Efficiency ratio | 59.1241% | 3,506 |
| Assets per employee ($millions) | 4.0121% | 4,303 |
| Cash dividends to net income (ytd only)* | 2.7775% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 700 |
| Loan loss allowance to noncurrent loans | 406.0736% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 2,967 |
| Noncurrent loans to loans | 0.4461% | 2,714 |
| Net loans and leases to total assets | 57.6470% | 3,453 |
| Net loans and leases to deposits | 67.1205% | 3,539 |
| Net loans and leases to core deposits | 69.6772% | 3,645 |
| Total domestic deposits to total assets | 85.8859% | 2,123 |
| Equity capital to assets | 11.9011% | 1,738 |
| Core capital (leverage) ratio | 10.6531% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $729,780,250 | 1,118 |
| Average earning assets | $681,098,000 | 1,112 |
| Average equity | $87,798,750 | 1,069 |
| Average total loans | $426,408,750 | 1,271 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 375 |
| Cost of funding earning assets | 0.2126% | 4,731 |
| Net interest margin | 5.2274% | 134 |
| Noninterest income to average assets | 1.0030% | 978 |
| Noninterest expense to average assets | 3.3060% | 989 |
| Loan and lease loss provision to assets | 0.0985% | 3,043 |
| Net operating income to assets | 1.9401% | 377 |
| Return on assets (ROA) | 1.9403% | 420 |
| Pretax return on assets | 2.4818% | 223 |
| Return on Equity (ROE) | 16.0624% | 556 |
| Retained earnings to average equity (ytd only) | 15.4769% | 199 |
| Net charge-offs to loans | 0.0951% | 1,311 |
| Credit loss provision to net charge-offs | 177.5510% | 2,002 |
| Earnings coverage of net charge-offs (x) | 46.5255% | 1,156 |
| Efficiency ratio | 55.3884% | 4,018 |
| Assets per employee ($millions) | 4.0143% | 4,295 |
| Cash dividends to net income (ytd only)* | 3.6454% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 639 |
| Loan loss allowance to noncurrent loans | 366.5366% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 2,903 |
| Noncurrent loans to loans | 0.4942% | 2,672 |
| Net loans and leases to total assets | 58.8572% | 3,437 |
| Net loans and leases to deposits | 67.2052% | 3,628 |
| Net loans and leases to core deposits | 69.8848% | 3,715 |
| Total domestic deposits to total assets | 87.5784% | 1,391 |
| Equity capital to assets | 11.7691% | 1,796 |
| Core capital (leverage) ratio | 10.9730% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $706,904,667 | 1,133 |
| Average earning assets | $660,323,333 | 1,125 |
| Average equity | $85,392,000 | 1,085 |
| Average total loans | $412,295,333 | 1,299 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5781% | 2,067 |
| Cost of funding earning assets | 0.2715% | 4,728 |
| Net interest margin | 4.3066% | 749 |
| Noninterest income to average assets | 1.1380% | 676 |
| Noninterest expense to average assets | 3.5077% | 925 |
| Loan and lease loss provision to assets | 0.0894% | 2,569 |
| Net operating income to assets | 1.2419% | 1,401 |
| Return on assets (ROA) | 1.2424% | 1,501 |
| Pretax return on assets | 1.5512% | 1,176 |
| Return on Equity (ROE) | 10.1336% | 1,701 |
| Retained earnings to average equity (ytd only) | 8.9180% | 995 |
| Net charge-offs to loans | 0.0810% | 1,218 |
| Credit loss provision to net charge-offs | 191.0256% | 1,443 |
| Earnings coverage of net charge-offs (x) | 35.2692% | 1,087 |
| Efficiency ratio | 67.0180% | 2,813 |
| Assets per employee ($millions) | 3.4857% | 4,494 |
| Cash dividends to net income (ytd only)* | 11.9962% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 398 |
| Loan loss allowance to noncurrent loans | 398.0513% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 2,835 |
| Noncurrent loans to loans | 0.5430% | 2,639 |
| Net loans and leases to total assets | 55.2039% | 3,897 |
| Net loans and leases to deposits | 65.8638% | 3,870 |
| Net loans and leases to core deposits | 69.2143% | 3,926 |
| Total domestic deposits to total assets | 83.8153% | 2,849 |
| Equity capital to assets | 12.5320% | 1,709 |
| Core capital (leverage) ratio | 11.6323% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $670,974,000 | 1,156 |
| Average earning assets | $624,709,000 | 1,147 |
| Average equity | $82,261,000 | 1,110 |
| Average total loans | $385,035,000 | 1,341 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 1,677 |
| Cost of funding earning assets | 0.3353% | 4,642 |
| Net interest margin | 4.5911% | 588 |
| Noninterest income to average assets | 1.1412% | 718 |
| Noninterest expense to average assets | 3.7773% | 692 |
| Loan and lease loss provision to assets | 0.1076% | 1,932 |
| Net operating income to assets | 1.3014% | 1,685 |
| Return on assets (ROA) | 1.3032% | 1,756 |
| Pretax return on assets | 1.5296% | 1,714 |
| Return on Equity (ROE) | 11.2058% | 1,809 |
| Retained earnings to average equity (ytd only) | 1.4068% | 4,241 |
| Net charge-offs to loans | 0.0383% | 2,619 |
| Credit loss provision to net charge-offs | 475.5396% | 610 |
| Earnings coverage of net charge-offs (x) | 72.2590% | 868 |
| Efficiency ratio | 67.9219% | 2,473 |
| Assets per employee ($millions) | 3.2928% | 4,648 |
| Cash dividends to net income (ytd only)* | 87.4453% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1703% | 345 |
| Loan loss allowance to noncurrent loans | 732.9214% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,174 |
| Noncurrent loans to loans | 0.2961% | 3,364 |
| Net loans and leases to total assets | 57.1242% | 3,838 |
| Net loans and leases to deposits | 65.1905% | 3,995 |
| Net loans and leases to core deposits | 68.9604% | 4,024 |
| Total domestic deposits to total assets | 87.6266% | 1,302 |
| Equity capital to assets | 11.9748% | 2,151 |
| Core capital (leverage) ratio | 11.5253% | 2,091 |
| Tier 1 risk-based capital ratio | 17.5732% | 1,871 |
| Total risk-based capital ratio | 18.8323% | 1,823 |
| Memoranda: | ||
| Average total assets | $614,272,600 | 1,204 |
| Average earning assets | $571,479,200 | 1,199 |
| Average equity | $71,436,400 | 1,205 |
| Average total loans | $362,581,600 | 1,378 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 1,583 |
| Cost of funding earning assets | 0.3298% | 4,722 |
| Net interest margin | 4.6532% | 546 |
| Noninterest income to average assets | 1.1503% | 688 |
| Noninterest expense to average assets | 3.8037% | 654 |
| Loan and lease loss provision to assets | 0.1124% | 1,740 |
| Net operating income to assets | 1.2390% | 2,057 |
| Return on assets (ROA) | 1.2408% | 2,128 |
| Pretax return on assets | 1.5619% | 1,777 |
| Return on Equity (ROE) | 10.7558% | 2,118 |
| Retained earnings to average equity (ytd only) | -2.6387% | 4,968 |
| Net charge-offs to loans | 0.0362% | 2,359 |
| Credit loss provision to net charge-offs | 524.7423% | 604 |
| Earnings coverage of net charge-offs (x) | 78.0929% | 874 |
| Efficiency ratio | 67.6140% | 2,478 |
| Assets per employee ($millions) | 3.1328% | 4,811 |
| Cash dividends to net income (ytd only)* | 124.5330% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 348 |
| Loan loss allowance to noncurrent loans | 705.5986% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 2,983 |
| Noncurrent loans to loans | 0.3067% | 3,433 |
| Net loans and leases to total assets | 58.5247% | 3,819 |
| Net loans and leases to deposits | 67.5146% | 3,954 |
| Net loans and leases to core deposits | 71.9195% | 3,954 |
| Total domestic deposits to total assets | 86.6845% | 1,688 |
| Equity capital to assets | 12.2417% | 2,082 |
| Core capital (leverage) ratio | 11.5325% | 2,189 |
| Tier 1 risk-based capital ratio | 17.3517% | 1,982 |
| Total risk-based capital ratio | 18.6108% | 1,944 |
| Memoranda: | ||
| Average total assets | $604,022,250 | 1,217 |
| Average earning assets | $561,492,500 | 1,214 |
| Average equity | $69,678,500 | 1,225 |
| Average total loans | $357,571,000 | 1,399 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 1,441 |
| Cost of funding earning assets | 0.3135% | 4,793 |
| Net interest margin | 4.7024% | 489 |
| Noninterest income to average assets | 1.1140% | 687 |
| Noninterest expense to average assets | 3.8424% | 637 |
| Loan and lease loss provision to assets | 0.1447% | 1,280 |
| Net operating income to assets | 1.1882% | 2,191 |
| Return on assets (ROA) | 1.1887% | 2,253 |
| Pretax return on assets | 1.4929% | 1,878 |
| Return on Equity (ROE) | 10.5334% | 2,162 |
| Retained earnings to average equity (ytd only) | -10.3367% | 5,186 |
| Net charge-offs to loans | 0.0776% | 1,589 |
| Credit loss provision to net charge-offs | 316.1765% | 864 |
| Earnings coverage of net charge-offs (x) | 35.7721% | 1,318 |
| Efficiency ratio | 68.3083% | 2,484 |
| Assets per employee ($millions) | 3.2074% | 4,770 |
| Cash dividends to net income (ytd only)* | 198.1319% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1287% | 375 |
| Loan loss allowance to noncurrent loans | 530.2692% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 2,667 |
| Noncurrent loans to loans | 0.4014% | 3,092 |
| Net loans and leases to total assets | 58.1729% | 3,900 |
| Net loans and leases to deposits | 65.9431% | 4,103 |
| Net loans and leases to core deposits | 70.1593% | 4,105 |
| Total domestic deposits to total assets | 88.2168% | 1,000 |
| Equity capital to assets | 11.3633% | 2,732 |
| Core capital (leverage) ratio | 11.0508% | 2,546 |
| Tier 1 risk-based capital ratio | 16.7730% | 2,152 |
| Total risk-based capital ratio | 18.0317% | 2,091 |
| Memoranda: | ||
| Average total assets | $594,420,330 | 1,237 |
| Average earning assets | $551,804,000 | 1,235 |
| Average equity | $67,081,670 | 1,255 |
| Average total loans | $350,577,000 | 1,433 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 1,010 |
| Cost of funding earning assets | 0.2965% | 4,861 |
| Net interest margin | 4.8497% | 371 |
| Noninterest income to average assets | 1.0467% | 729 |
| Noninterest expense to average assets | 3.9714% | 556 |
| Loan and lease loss provision to assets | 0.1439% | 1,188 |
| Net operating income to assets | 1.2283% | 1,957 |
| Return on assets (ROA) | 1.2283% | 2,004 |
| Pretax return on assets | 1.4233% | 2,005 |
| Return on Equity (ROE) | 10.9265% | 1,974 |
| Retained earnings to average equity (ytd only) | -32.5805% | 5,313 |
| Net charge-offs to loans | 0.1071% | 1,094 |
| Credit loss provision to net charge-offs | 228.8889% | 969 |
| Earnings coverage of net charge-offs (x) | 24.9222% | 1,445 |
| Efficiency ratio | 70.0139% | 2,336 |
| Assets per employee ($millions) | 2.9220% | 5,012 |
| Cash dividends to net income (ytd only)* | 398.1797% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1127% | 412 |
| Loan loss allowance to noncurrent loans | 419.8830% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 2,303 |
| Noncurrent loans to loans | 0.5032% | 2,804 |
| Net loans and leases to total assets | 59.0726% | 3,781 |
| Net loans and leases to deposits | 66.9025% | 3,991 |
| Net loans and leases to core deposits | 69.9583% | 4,081 |
| Total domestic deposits to total assets | 88.2966% | 1,191 |
| Equity capital to assets | 10.9904% | 2,861 |
| Core capital (leverage) ratio | 10.9314% | 2,633 |
| Tier 1 risk-based capital ratio | 16.6037% | 2,225 |
| Total risk-based capital ratio | 17.8624% | 2,181 |
| Memoranda: | ||
| Average total assets | $572,489,500 | 1,279 |
| Average earning assets | $530,263,500 | 1,274 |
| Average equity | $64,357,500 | 1,295 |
| Average total loans | $336,174,000 | 1,492 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7178% | 1,764 |
| Cost of funding earning assets | 0.1521% | 5,166 |
| Net interest margin | 4.5657% | 664 |
| Noninterest income to average assets | 1.0700% | 819 |
| Noninterest expense to average assets | 3.5740% | 902 |
| Loan and lease loss provision to assets | 0.1717% | 1,161 |
| Net operating income to assets | 1.5697% | 949 |
| Return on assets (ROA) | 1.5665% | 947 |
| Pretax return on assets | 1.5585% | 1,594 |
| Return on Equity (ROE) | 13.5471% | 1,158 |
| Retained earnings to average equity (ytd only) | 2.8193% | 3,993 |
| Net charge-offs to loans | 0.2659% | 727 |
| Credit loss provision to net charge-offs | 117.3403% | 2,212 |
| Earnings coverage of net charge-offs (x) | 11.8475% | 2,596 |
| Efficiency ratio | 65.6292% | 2,929 |
| Assets per employee ($millions) | 3.1657% | 4,869 |
| Cash dividends to net income (ytd only)* | 79.1890% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4056% | 254 |
| Loan loss allowance to noncurrent loans | 491.5127% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,466 |
| Noncurrent loans to loans | 0.4894% | 2,807 |
| Net loans and leases to total assets | 55.4381% | 4,168 |
| Net loans and leases to deposits | 62.9128% | 4,320 |
| Net loans and leases to core deposits | 65.9896% | 4,358 |
| Total domestic deposits to total assets | 88.1189% | 1,248 |
| Equity capital to assets | 11.5380% | 2,229 |
| Core capital (leverage) ratio | 12.1716% | 1,626 |
| Tier 1 risk-based capital ratio | 18.9785% | 1,521 |
| Total risk-based capital ratio | 20.2394% | 1,482 |
| Memoranda: | ||
| Average total assets | $524,229,800 | 1,341 |
| Average earning assets | $486,541,200 | 1,344 |
| Average equity | $60,618,200 | 1,307 |
| Average total loans | $288,416,400 | 1,643 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 1,688 |
| Cost of funding earning assets | 0.1186% | 5,309 |
| Net interest margin | 4.5776% | 626 |
| Noninterest income to average assets | 1.0734% | 824 |
| Noninterest expense to average assets | 3.5234% | 955 |
| Loan and lease loss provision to assets | 0.1713% | 1,088 |
| Net operating income to assets | 1.3463% | 1,677 |
| Return on assets (ROA) | 1.3463% | 1,691 |
| Pretax return on assets | 1.6328% | 1,478 |
| Return on Equity (ROE) | 11.6361% | 1,937 |
| Retained earnings to average equity (ytd only) | 8.3322% | 1,502 |
| Net charge-offs to loans | 0.2560% | 656 |
| Credit loss provision to net charge-offs | 122.5865% | 1,960 |
| Earnings coverage of net charge-offs (x) | 12.9126% | 2,412 |
| Efficiency ratio | 64.4311% | 3,115 |
| Assets per employee ($millions) | 3.0713% | 4,986 |
| Cash dividends to net income (ytd only)* | 28.3932% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4832% | 250 |
| Loan loss allowance to noncurrent loans | 499.4429% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 2,601 |
| Noncurrent loans to loans | 0.4972% | 2,901 |
| Net loans and leases to total assets | 54.9125% | 4,301 |
| Net loans and leases to deposits | 64.7088% | 4,294 |
| Net loans and leases to core deposits | 67.9122% | 4,301 |
| Total domestic deposits to total assets | 84.8610% | 2,664 |
| Equity capital to assets | 11.7749% | 2,052 |
| Core capital (leverage) ratio | 12.7737% | 1,380 |
| Tier 1 risk-based capital ratio | 19.9487% | 1,344 |
| Total risk-based capital ratio | 21.2102% | 1,308 |
| Memoranda: | ||
| Average total assets | $523,910,000 | 1,345 |
| Average earning assets | $486,882,750 | 1,349 |
| Average equity | $60,614,500 | 1,308 |
| Average total loans | $285,892,250 | 1,661 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 1,668 |
| Cost of funding earning assets | 0.1051% | 5,394 |
| Net interest margin | 4.5329% | 646 |
| Noninterest income to average assets | 1.0436% | 887 |
| Noninterest expense to average assets | 3.5021% | 993 |
| Loan and lease loss provision to assets | 0.1702% | 1,080 |
| Net operating income to assets | 1.3065% | 1,744 |
| Return on assets (ROA) | 1.3056% | 1,745 |
| Pretax return on assets | 1.5888% | 1,536 |
| Return on Equity (ROE) | 11.3499% | 1,975 |
| Retained earnings to average equity (ytd only) | 8.5388% | 1,386 |
| Net charge-offs to loans | 0.3594% | 438 |
| Credit loss provision to net charge-offs | 87.6953% | 2,188 |
| Earnings coverage of net charge-offs (x) | 9.0684% | 2,421 |
| Efficiency ratio | 64.8368% | 3,187 |
| Assets per employee ($millions) | 3.1043% | 5,015 |
| Cash dividends to net income (ytd only)* | 24.7677% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4455% | 260 |
| Loan loss allowance to noncurrent loans | 522.8293% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 2,622 |
| Noncurrent loans to loans | 0.4677% | 3,032 |
| Net loans and leases to total assets | 53.7492% | 4,361 |
| Net loans and leases to deposits | 61.8726% | 4,426 |
| Net loans and leases to core deposits | 63.5941% | 4,517 |
| Total domestic deposits to total assets | 86.8708% | 1,892 |
| Equity capital to assets | 11.7332% | 2,033 |
| Core capital (leverage) ratio | 12.3959% | 1,489 |
| Tier 1 risk-based capital ratio | 19.7124% | 1,376 |
| Total risk-based capital ratio | 20.9733% | 1,347 |
| Memoranda: | ||
| Average total assets | $527,576,000 | 1,344 |
| Average earning assets | $490,992,330 | 1,337 |
| Average equity | $60,687,670 | 1,306 |
| Average total loans | $284,914,670 | 1,663 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,529 |
| Cost of funding earning assets | 0.1016% | 5,463 |
| Net interest margin | 4.5122% | 601 |
| Noninterest income to average assets | 1.0260% | 867 |
| Noninterest expense to average assets | 3.4140% | 1,140 |
| Loan and lease loss provision to assets | 0.1669% | 1,069 |
| Net operating income to assets | 1.6514% | 763 |
| Return on assets (ROA) | 1.6484% | 769 |
| Pretax return on assets | 1.6484% | 1,247 |
| Return on Equity (ROE) | 14.4263% | 921 |
| Retained earnings to average equity (ytd only) | 11.1372% | 862 |
| Net charge-offs to loans | 0.4554% | 333 |
| Credit loss provision to net charge-offs | 68.5185% | 1,840 |
| Earnings coverage of net charge-offs (x) | 7.4660% | 2,088 |
| Efficiency ratio | 63.5397% | 3,553 |
| Assets per employee ($millions) | 3.1141% | 5,079 |
| Cash dividends to net income (ytd only)* | 22.7998% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4417% | 271 |
| Loan loss allowance to noncurrent loans | 516.4312% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 2,594 |
| Noncurrent loans to loans | 0.4728% | 3,111 |
| Net loans and leases to total assets | 53.3634% | 4,340 |
| Net loans and leases to deposits | 62.0439% | 4,338 |
| Net loans and leases to core deposits | 64.3775% | 4,401 |
| Total domestic deposits to total assets | 86.0092% | 2,534 |
| Equity capital to assets | 11.6575% | 2,025 |
| Core capital (leverage) ratio | 11.7625% | 1,808 |
| Tier 1 risk-based capital ratio | 19.5975% | 1,418 |
| Total risk-based capital ratio | 20.8584% | 1,386 |
| Memoranda: | ||
| Average total assets | $532,158,500 | 1,344 |
| Average earning assets | $496,079,500 | 1,336 |
| Average equity | $60,805,500 | 1,317 |
| Average total loans | $284,558,500 | 1,679 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 1,358 |
| Cost of funding earning assets | 0.1330% | 5,355 |
| Net interest margin | 4.4935% | 617 |
| Noninterest income to average assets | 1.0322% | 956 |
| Noninterest expense to average assets | 3.6687% | 827 |
| Loan and lease loss provision to assets | 0.1517% | 1,488 |
| Net operating income to assets | 1.4013% | 1,015 |
| Return on assets (ROA) | 1.4033% | 1,029 |
| Pretax return on assets | 1.4033% | 1,976 |
| Return on Equity (ROE) | 11.9894% | 1,220 |
| Retained earnings to average equity (ytd only) | 0.1657% | 4,948 |
| Net charge-offs to loans | 0.1362% | 1,705 |
| Credit loss provision to net charge-offs | 210.3641% | 1,297 |
| Earnings coverage of net charge-offs (x) | 21.5322% | 1,898 |
| Efficiency ratio | 68.4439% | 2,811 |
| Assets per employee ($millions) | 3.1460% | 5,086 |
| Cash dividends to net income (ytd only)* | 98.6179% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4760% | 254 |
| Loan loss allowance to noncurrent loans | 314.0820% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 2,512 |
| Noncurrent loans to loans | 0.7883% | 2,245 |
| Net loans and leases to total assets | 51.0055% | 4,593 |
| Net loans and leases to deposits | 57.6793% | 4,702 |
| Net loans and leases to core deposits | 59.4682% | 4,778 |
| Total domestic deposits to total assets | 88.4295% | 1,284 |
| Equity capital to assets | 11.2052% | 2,422 |
| Core capital (leverage) ratio | 11.8241% | 1,707 |
| Tier 1 risk-based capital ratio | 19.2500% | 1,460 |
| Total risk-based capital ratio | 20.5118% | 1,430 |
| Memoranda: | ||
| Average total assets | $494,968,800 | 1,415 |
| Average earning assets | $461,489,600 | 1,411 |
| Average equity | $57,934,400 | 1,358 |
| Average total loans | $262,168,600 | 1,751 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 1,150 |
| Cost of funding earning assets | 0.1294% | 5,431 |
| Net interest margin | 4.5647% | 523 |
| Noninterest income to average assets | 1.0536% | 920 |
| Noninterest expense to average assets | 3.7081% | 762 |
| Loan and lease loss provision to assets | 0.1583% | 1,303 |
| Net operating income to assets | 1.4370% | 1,013 |
| Return on assets (ROA) | 1.4379% | 1,027 |
| Pretax return on assets | 1.4379% | 1,980 |
| Return on Equity (ROE) | 12.1386% | 1,297 |
| Retained earnings to average equity (ytd only) | -3.8363% | 5,513 |
| Net charge-offs to loans | 0.1554% | 1,309 |
| Credit loss provision to net charge-offs | 191.6388% | 1,387 |
| Earnings coverage of net charge-offs (x) | 19.3142% | 2,007 |
| Efficiency ratio | 68.0956% | 2,857 |
| Assets per employee ($millions) | 2.9611% | 5,288 |
| Cash dividends to net income (ytd only)* | 131.6042% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5501% | 250 |
| Loan loss allowance to noncurrent loans | 283.4697% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 2,155 |
| Noncurrent loans to loans | 0.8996% | 2,132 |
| Net loans and leases to total assets | 52.2857% | 4,547 |
| Net loans and leases to deposits | 62.3107% | 4,492 |
| Net loans and leases to core deposits | 64.9420% | 4,558 |
| Total domestic deposits to total assets | 83.9112% | 3,152 |
| Equity capital to assets | 12.0687% | 1,922 |
| Core capital (leverage) ratio | 12.0120% | 1,679 |
| Tier 1 risk-based capital ratio | 19.4542% | 1,492 |
| Total risk-based capital ratio | 20.7164% | 1,450 |
| Memoranda: | ||
| Average total assets | $482,647,250 | 1,461 |
| Average earning assets | $449,349,000 | 1,449 |
| Average equity | $57,171,750 | 1,389 |
| Average total loans | $256,548,750 | 1,788 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 1,039 |
| Cost of funding earning assets | 0.1195% | 5,512 |
| Net interest margin | 4.5898% | 482 |
| Noninterest income to average assets | 1.0814% | 852 |
| Noninterest expense to average assets | 3.7666% | 701 |
| Loan and lease loss provision to assets | 0.1651% | 1,203 |
| Net operating income to assets | 1.4205% | 1,020 |
| Return on assets (ROA) | 1.4218% | 1,038 |
| Pretax return on assets | 1.4218% | 1,929 |
| Return on Equity (ROE) | 12.0840% | 1,275 |
| Retained earnings to average equity (ytd only) | -10.2938% | 5,658 |
| Net charge-offs to loans | 0.1694% | 1,149 |
| Credit loss provision to net charge-offs | 184.0376% | 1,344 |
| Earnings coverage of net charge-offs (x) | 17.6714% | 1,914 |
| Efficiency ratio | 68.5557% | 2,913 |
| Assets per employee ($millions) | 2.8773% | 5,375 |
| Cash dividends to net income (ytd only)* | 185.1852% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5424% | 271 |
| Loan loss allowance to noncurrent loans | 204.9490% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 1,911 |
| Noncurrent loans to loans | 1.2405% | 1,563 |
| Net loans and leases to total assets | 52.6208% | 4,515 |
| Net loans and leases to deposits | 62.0077% | 4,504 |
| Net loans and leases to core deposits | 64.9079% | 4,543 |
| Total domestic deposits to total assets | 84.8617% | 2,864 |
| Equity capital to assets | 12.1780% | 1,806 |
| Core capital (leverage) ratio | 11.8461% | 1,735 |
| Tier 1 risk-based capital ratio | 19.2752% | 1,524 |
| Total risk-based capital ratio | 20.5373% | 1,470 |
| Memoranda: | ||
| Average total assets | $474,746,000 | 1,482 |
| Average earning assets | $441,760,670 | 1,475 |
| Average equity | $55,859,000 | 1,420 |
| Average total loans | $251,506,000 | 1,817 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 964 |
| Cost of funding earning assets | 0.1189% | 5,570 |
| Net interest margin | 4.5656% | 462 |
| Noninterest income to average assets | 1.0690% | 874 |
| Noninterest expense to average assets | 3.7890% | 688 |
| Loan and lease loss provision to assets | 0.1839% | 933 |
| Net operating income to assets | 1.3419% | 1,132 |
| Return on assets (ROA) | 1.3419% | 1,166 |
| Pretax return on assets | 1.3419% | 2,091 |
| Return on Equity (ROE) | 11.6231% | 1,361 |
| Retained earnings to average equity (ytd only) | -28.7662% | 5,789 |
| Net charge-offs to loans | 0.1268% | 1,160 |
| Credit loss provision to net charge-offs | 276.6234% | 827 |
| Earnings coverage of net charge-offs (x) | 22.9481% | 1,401 |
| Efficiency ratio | 69.4720% | 2,977 |
| Assets per employee ($millions) | 2.8220% | 5,473 |
| Cash dividends to net income (ytd only)* | 347.4903% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5931% | 282 |
| Loan loss allowance to noncurrent loans | 174.6399% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 1,610 |
| Noncurrent loans to loans | 1.4848% | 1,355 |
| Net loans and leases to total assets | 51.9454% | 4,521 |
| Net loans and leases to deposits | 58.8332% | 4,642 |
| Net loans and leases to core deposits | 61.4780% | 4,692 |
| Total domestic deposits to total assets | 88.2928% | 1,537 |
| Equity capital to assets | 11.3804% | 2,278 |
| Core capital (leverage) ratio | 11.6940% | 1,832 |
| Tier 1 risk-based capital ratio | 19.4376% | 1,506 |
| Total risk-based capital ratio | 20.7002% | 1,473 |
| Memoranda: | ||
| Average total assets | $463,236,500 | 1,520 |
| Average earning assets | $430,790,500 | 1,521 |
| Average equity | $53,479,500 | 1,454 |
| Average total loans | $242,878,500 | 1,878 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,176 |
| Cost of funding earning assets | 0.1305% | 5,543 |
| Net interest margin | 4.5157% | 599 |
| Noninterest income to average assets | 1.0756% | 976 |
| Noninterest expense to average assets | 3.7871% | 786 |
| Loan and lease loss provision to assets | 0.2133% | 1,054 |
| Net operating income to assets | 1.2570% | 1,339 |
| Return on assets (ROA) | 1.3251% | 1,212 |
| Pretax return on assets | 1.3251% | 2,196 |
| Return on Equity (ROE) | 9.8633% | 2,019 |
| Retained earnings to average equity (ytd only) | 2.0751% | 4,356 |
| Net charge-offs to loans | 0.2450% | 1,131 |
| Credit loss provision to net charge-offs | 178.2609% | 1,571 |
| Earnings coverage of net charge-offs (x) | 12.2885% | 2,465 |
| Efficiency ratio | 70.2663% | 2,857 |
| Assets per employee ($millions) | 2.8461% | 5,457 |
| Cash dividends to net income (ytd only)* | 78.9615% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7945% | 225 |
| Loan loss allowance to noncurrent loans | 264.0084% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 2,500 |
| Noncurrent loans to loans | 1.0585% | 1,958 |
| Net loans and leases to total assets | 49.9819% | 4,763 |
| Net loans and leases to deposits | 57.2846% | 4,840 |
| Net loans and leases to core deposits | 59.9354% | 4,860 |
| Total domestic deposits to total assets | 87.2519% | 2,001 |
| Equity capital to assets | 11.7301% | 1,988 |
| Core capital (leverage) ratio | 12.4686% | 1,345 |
| Tier 1 risk-based capital ratio | 21.5392% | 1,134 |
| Total risk-based capital ratio | 22.8038% | 1,118 |
| Memoranda: | ||
| Average total assets | $422,909,400 | 1,609 |
| Average earning assets | $391,637,200 | 1,603 |
| Average equity | $56,816,600 | 1,352 |
| Average total loans | $206,536,800 | 2,067 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 1,227 |
| Cost of funding earning assets | 0.1315% | 5,606 |
| Net interest margin | 4.5037% | 625 |
| Noninterest income to average assets | 1.0704% | 989 |
| Noninterest expense to average assets | 3.7946% | 752 |
| Loan and lease loss provision to assets | 0.2147% | 977 |
| Net operating income to assets | 1.2267% | 1,532 |
| Return on assets (ROA) | 1.2254% | 1,638 |
| Pretax return on assets | 1.2254% | 2,728 |
| Return on Equity (ROE) | 8.8305% | 2,587 |
| Retained earnings to average equity (ytd only) | 5.5689% | 2,446 |
| Net charge-offs to loans | 0.2921% | 787 |
| Credit loss provision to net charge-offs | 152.5959% | 1,746 |
| Earnings coverage of net charge-offs (x) | 10.2438% | 2,593 |
| Efficiency ratio | 70.6824% | 2,794 |
| Assets per employee ($millions) | 2.8989% | 5,469 |
| Cash dividends to net income (ytd only)* | 36.9362% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7507% | 248 |
| Loan loss allowance to noncurrent loans | 327.4584% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 2,953 |
| Noncurrent loans to loans | 0.8400% | 2,581 |
| Net loans and leases to total assets | 48.5760% | 4,915 |
| Net loans and leases to deposits | 60.8458% | 4,696 |
| Net loans and leases to core deposits | 64.0661% | 4,723 |
| Total domestic deposits to total assets | 79.8346% | 4,551 |
| Equity capital to assets | 13.7704% | 1,133 |
| Core capital (leverage) ratio | 12.8961% | 1,230 |
| Tier 1 risk-based capital ratio | 21.9270% | 1,148 |
| Total risk-based capital ratio | 23.1909% | 1,124 |
| Memoranda: | ||
| Average total assets | $419,773,750 | 1,616 |
| Average earning assets | $388,265,000 | 1,615 |
| Average equity | $58,251,000 | 1,332 |
| Average total loans | $202,195,000 | 2,106 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 1,248 |
| Cost of funding earning assets | 0.1347% | 5,648 |
| Net interest margin | 4.4760% | 648 |
| Noninterest income to average assets | 1.0251% | 1,065 |
| Noninterest expense to average assets | 3.7654% | 806 |
| Loan and lease loss provision to assets | 0.2180% | 958 |
| Net operating income to assets | 1.1718% | 1,692 |
| Return on assets (ROA) | 1.1732% | 1,788 |
| Pretax return on assets | 1.1732% | 2,887 |
| Return on Equity (ROE) | 8.4315% | 2,779 |
| Retained earnings to average equity (ytd only) | 4.5054% | 3,047 |
| Net charge-offs to loans | 0.2238% | 1,041 |
| Credit loss provision to net charge-offs | 205.0228% | 1,279 |
| Earnings coverage of net charge-offs (x) | 13.0685% | 2,148 |
| Efficiency ratio | 71.1850% | 2,792 |
| Assets per employee ($millions) | 2.7693% | 5,630 |
| Cash dividends to net income (ytd only)* | 46.5646% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9022% | 222 |
| Loan loss allowance to noncurrent loans | 261.0802% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 2,582 |
| Noncurrent loans to loans | 1.1116% | 2,071 |
| Net loans and leases to total assets | 48.0951% | 4,989 |
| Net loans and leases to deposits | 57.9247% | 4,905 |
| Net loans and leases to core deposits | 61.0675% | 4,926 |
| Total domestic deposits to total assets | 83.0304% | 3,644 |
| Equity capital to assets | 14.1160% | 981 |
| Core capital (leverage) ratio | 13.2987% | 1,058 |
| Tier 1 risk-based capital ratio | 22.3830% | 1,092 |
| Total risk-based capital ratio | 23.6480% | 1,073 |
| Memoranda: | ||
| Average total assets | $411,852,330 | 1,640 |
| Average earning assets | $380,028,000 | 1,644 |
| Average equity | $57,309,000 | 1,352 |
| Average total loans | $195,744,330 | 2,162 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 1,282 |
| Cost of funding earning assets | 0.1410% | 5,665 |
| Net interest margin | 4.4526% | 665 |
| Noninterest income to average assets | 1.0465% | 991 |
| Noninterest expense to average assets | 3.7790% | 800 |
| Loan and lease loss provision to assets | 0.2207% | 865 |
| Net operating income to assets | 1.1539% | 1,696 |
| Return on assets (ROA) | 1.1569% | 1,800 |
| Pretax return on assets | 1.1569% | 2,866 |
| Return on Equity (ROE) | 8.3770% | 2,717 |
| Retained earnings to average equity (ytd only) | 4.9876% | 2,948 |
| Net charge-offs to loans | 0.1526% | 1,203 |
| Credit loss provision to net charge-offs | 311.1111% | 828 |
| Earnings coverage of net charge-offs (x) | 19.3750% | 1,506 |
| Efficiency ratio | 71.4532% | 2,877 |
| Assets per employee ($millions) | 2.8487% | 5,648 |
| Cash dividends to net income (ytd only)* | 40.4600% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1494% | 194 |
| Loan loss allowance to noncurrent loans | 207.5595% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 2,205 |
| Noncurrent loans to loans | 1.5173% | 1,545 |
| Net loans and leases to total assets | 44.4609% | 5,219 |
| Net loans and leases to deposits | 53.0674% | 5,161 |
| Net loans and leases to core deposits | 56.1040% | 5,128 |
| Total domestic deposits to total assets | 83.7819% | 3,605 |
| Equity capital to assets | 13.6841% | 1,096 |
| Core capital (leverage) ratio | 13.4617% | 1,000 |
| Tier 1 risk-based capital ratio | 23.7468% | 938 |
| Total risk-based capital ratio | 25.0137% | 926 |
| Memoranda: | ||
| Average total assets | $405,926,500 | 1,662 |
| Average earning assets | $374,434,500 | 1,663 |
| Average equity | $56,058,500 | 1,377 |
| Average total loans | $188,680,500 | 2,224 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 989 |
| Cost of funding earning assets | 0.1446% | 5,718 |
| Net interest margin | 4.6164% | 523 |
| Noninterest income to average assets | 0.9836% | 1,219 |
| Noninterest expense to average assets | 3.7307% | 943 |
| Loan and lease loss provision to assets | 0.1001% | 2,312 |
| Net operating income to assets | 1.3995% | 1,038 |
| Return on assets (ROA) | 1.4019% | 1,075 |
| Pretax return on assets | 1.4019% | 1,890 |
| Return on Equity (ROE) | 10.0914% | 1,976 |
| Retained earnings to average equity (ytd only) | 7.0243% | 1,269 |
| Net charge-offs to loans | 0.3671% | 793 |
| Credit loss provision to net charge-offs | 56.3235% | 3,307 |
| Earnings coverage of net charge-offs (x) | 8.4368% | 2,952 |
| Efficiency ratio | 69.3638% | 3,329 |
| Assets per employee ($millions) | 2.9771% | 5,537 |
| Cash dividends to net income (ytd only)* | 30.3934% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1438% | 191 |
| Loan loss allowance to noncurrent loans | 257.5132% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 2,282 |
| Noncurrent loans to loans | 1.2208% | 1,931 |
| Net loans and leases to total assets | 45.6050% | 5,187 |
| Net loans and leases to deposits | 53.7852% | 5,175 |
| Net loans and leases to core deposits | 56.8697% | 5,159 |
| Total domestic deposits to total assets | 84.7909% | 3,176 |
| Equity capital to assets | 13.9422% | 953 |
| Core capital (leverage) ratio | 13.9866% | 824 |
| Tier 1 risk-based capital ratio | 24.5843% | 851 |
| Total risk-based capital ratio | 25.8518% | 837 |
| Memoranda: | ||
| Average total assets | $382,557,200 | 1,718 |
| Average earning assets | $351,918,000 | 1,715 |
| Average equity | $53,144,400 | 1,406 |
| Average total loans | $185,235,600 | 2,191 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 921 |
| Cost of funding earning assets | 0.1473% | 5,800 |
| Net interest margin | 4.6569% | 490 |
| Noninterest income to average assets | 0.9880% | 1,211 |
| Noninterest expense to average assets | 3.7227% | 942 |
| Loan and lease loss provision to assets | 0.1252% | 1,811 |
| Net operating income to assets | 1.4208% | 1,060 |
| Return on assets (ROA) | 1.4240% | 1,102 |
| Pretax return on assets | 1.4240% | 1,920 |
| Return on Equity (ROE) | 10.2602% | 1,991 |
| Retained earnings to average equity (ytd only) | 6.1308% | 2,165 |
| Net charge-offs to loans | 0.2567% | 1,025 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 12.3512% | 2,412 |
| Efficiency ratio | 68.6887% | 3,420 |
| Assets per employee ($millions) | 2.9681% | 5,584 |
| Cash dividends to net income (ytd only)* | 40.2469% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3315% | 175 |
| Loan loss allowance to noncurrent loans | 322.5773% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 2,294 |
| Noncurrent loans to loans | 1.0328% | 2,408 |
| Net loans and leases to total assets | 48.1603% | 5,066 |
| Net loans and leases to deposits | 56.6410% | 5,093 |
| Net loans and leases to core deposits | 60.3312% | 5,043 |
| Total domestic deposits to total assets | 85.0274% | 2,991 |
| Equity capital to assets | 14.4923% | 858 |
| Core capital (leverage) ratio | 13.9179% | 884 |
| Tier 1 risk-based capital ratio | 24.7370% | 881 |
| Total risk-based capital ratio | 26.0075% | 868 |
| Memoranda: | ||
| Average total assets | $379,209,500 | 1,743 |
| Average earning assets | $348,579,500 | 1,753 |
| Average equity | $52,629,500 | 1,425 |
| Average total loans | $184,936,250 | 2,208 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 934 |
| Cost of funding earning assets | 0.1480% | 5,864 |
| Net interest margin | 4.6270% | 510 |
| Noninterest income to average assets | 0.9834% | 1,214 |
| Noninterest expense to average assets | 3.6849% | 1,008 |
| Loan and lease loss provision to assets | 0.1634% | 1,290 |
| Net operating income to assets | 1.3929% | 1,104 |
| Return on assets (ROA) | 1.3945% | 1,136 |
| Pretax return on assets | 1.3945% | 2,006 |
| Return on Equity (ROE) | 10.1934% | 1,983 |
| Retained earnings to average equity (ytd only) | 5.6000% | 2,467 |
| Net charge-offs to loans | 0.2822% | 932 |
| Credit loss provision to net charge-offs | 119.5402% | 1,819 |
| Earnings coverage of net charge-offs (x) | 11.3870% | 2,295 |
| Efficiency ratio | 68.3385% | 3,627 |
| Assets per employee ($millions) | 3.0154% | 5,580 |
| Cash dividends to net income (ytd only)* | 45.0620% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3092% | 190 |
| Loan loss allowance to noncurrent loans | 279.4329% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 2,299 |
| Noncurrent loans to loans | 1.1842% | 2,284 |
| Net loans and leases to total assets | 47.3742% | 5,158 |
| Net loans and leases to deposits | 55.0396% | 5,189 |
| Net loans and leases to core deposits | 58.3099% | 5,175 |
| Total domestic deposits to total assets | 86.0730% | 2,662 |
| Equity capital to assets | 13.4804% | 1,178 |
| Core capital (leverage) ratio | 13.5316% | 980 |
| Tier 1 risk-based capital ratio | 24.0929% | 947 |
| Total risk-based capital ratio | 25.3631% | 932 |
| Memoranda: | ||
| Average total assets | $381,940,330 | 1,742 |
| Average earning assets | $351,460,000 | 1,738 |
| Average equity | $52,249,670 | 1,443 |
| Average total loans | $184,968,000 | 2,223 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 1,033 |
| Cost of funding earning assets | 0.1494% | 5,927 |
| Net interest margin | 4.5517% | 549 |
| Noninterest income to average assets | 0.9658% | 1,199 |
| Noninterest expense to average assets | 3.5770% | 1,167 |
| Loan and lease loss provision to assets | 0.2433% | 688 |
| Net operating income to assets | 1.3318% | 1,177 |
| Return on assets (ROA) | 1.3318% | 1,257 |
| Pretax return on assets | 1.3318% | 2,148 |
| Return on Equity (ROE) | 9.6647% | 2,147 |
| Retained earnings to average equity (ytd only) | 6.0499% | 2,469 |
| Net charge-offs to loans | 0.3006% | 786 |
| Credit loss provision to net charge-offs | 168.1159% | 1,166 |
| Earnings coverage of net charge-offs (x) | 10.8841% | 1,906 |
| Efficiency ratio | 67.4333% | 3,916 |
| Assets per employee ($millions) | 3.2472% | 5,328 |
| Cash dividends to net income (ytd only)* | 37.4016% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 2,094 |
| Loan loss allowance to noncurrent loans | 102.1893% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.2567% | 2,126 |
| Noncurrent loans to loans | 1.5541% | 1,805 |
| Net loans and leases to total assets | 46.0226% | 5,197 |
| Net loans and leases to deposits | 53.5540% | 5,227 |
| Net loans and leases to core deposits | 56.4700% | 5,223 |
| Total domestic deposits to total assets | 85.9368% | 2,975 |
| Equity capital to assets | 13.7303% | 1,076 |
| Core capital (leverage) ratio | 13.5186% | 966 |
| Tier 1 risk-based capital ratio | 24.0650% | 988 |
| Total risk-based capital ratio | 25.3273% | 971 |
| Memoranda: | ||
| Average total assets | $381,433,000 | 1,746 |
| Average earning assets | $350,810,500 | 1,753 |
| Average equity | $52,562,500 | 1,442 |
| Average total loans | $183,636,500 | 2,246 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 832 |
| Cost of funding earning assets | 0.1632% | 6,022 |
| Net interest margin | 4.8009% | 435 |
| Noninterest income to average assets | 1.2264% | 798 |
| Noninterest expense to average assets | 3.8786% | 877 |
| Loan and lease loss provision to assets | 0.2716% | 799 |
| Net operating income to assets | 1.4622% | 951 |
| Return on assets (ROA) | 1.4622% | 988 |
| Pretax return on assets | 1.4622% | 1,682 |
| Return on Equity (ROE) | 11.3172% | 1,615 |
| Retained earnings to average equity (ytd only) | 8.3865% | 878 |
| Net charge-offs to loans | 0.7808% | 455 |
| Credit loss provision to net charge-offs | 68.6342% | 3,103 |
| Earnings coverage of net charge-offs (x) | 4.3809% | 3,669 |
| Efficiency ratio | 67.2055% | 4,029 |
| Assets per employee ($millions) | 3.1100% | 5,551 |
| Cash dividends to net income (ytd only)* | 25.8963% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 2,414 |
| Loan loss allowance to noncurrent loans | 113.9601% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.2961% | 2,175 |
| Noncurrent loans to loans | 1.3278% | 2,217 |
| Net loans and leases to total assets | 48.8329% | 5,088 |
| Net loans and leases to deposits | 56.8980% | 5,128 |
| Net loans and leases to core deposits | 60.1645% | 5,133 |
| Total domestic deposits to total assets | 85.8254% | 2,930 |
| Equity capital to assets | 13.8324% | 1,021 |
| Core capital (leverage) ratio | 13.2958% | 1,028 |
| Tier 1 risk-based capital ratio | 24.4689% | 897 |
| Total risk-based capital ratio | 25.7210% | 877 |
| Memoranda: | ||
| Average total assets | $368,144,600 | 1,764 |
| Average earning assets | $336,335,000 | 1,782 |
| Average equity | $47,564,600 | 1,517 |
| Average total loans | $186,600,600 | 2,150 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 803 |
| Cost of funding earning assets | 0.1641% | 6,099 |
| Net interest margin | 4.8115% | 416 |
| Noninterest income to average assets | 1.2701% | 752 |
| Noninterest expense to average assets | 3.8769% | 875 |
| Loan and lease loss provision to assets | 0.2809% | 726 |
| Net operating income to assets | 1.5027% | 941 |
| Return on assets (ROA) | 1.5027% | 969 |
| Pretax return on assets | 1.5027% | 1,636 |
| Return on Equity (ROE) | 11.8436% | 1,518 |
| Retained earnings to average equity (ytd only) | 7.8509% | 1,426 |
| Net charge-offs to loans | 0.5704% | 655 |
| Credit loss provision to net charge-offs | 96.6250% | 2,310 |
| Earnings coverage of net charge-offs (x) | 6.1350% | 3,137 |
| Efficiency ratio | 66.6089% | 4,116 |
| Assets per employee ($millions) | 3.0745% | 5,639 |
| Cash dividends to net income (ytd only)* | 33.7122% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 1,923 |
| Loan loss allowance to noncurrent loans | 147.6909% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 2,417 |
| Noncurrent loans to loans | 1.1605% | 2,741 |
| Net loans and leases to total assets | 50.2057% | 4,986 |
| Net loans and leases to deposits | 58.2877% | 5,083 |
| Net loans and leases to core deposits | 61.7844% | 5,051 |
| Total domestic deposits to total assets | 86.1343% | 2,786 |
| Equity capital to assets | 13.4076% | 1,226 |
| Core capital (leverage) ratio | 12.9886% | 1,182 |
| Tier 1 risk-based capital ratio | 23.5093% | 1,046 |
| Total risk-based capital ratio | 24.7639% | 1,030 |
| Memoranda: | ||
| Average total assets | $366,880,000 | 1,784 |
| Average earning assets | $334,774,250 | 1,806 |
| Average equity | $46,550,000 | 1,552 |
| Average total loans | $186,989,250 | 2,157 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9447% | 828 |
| Cost of funding earning assets | 0.1632% | 6,171 |
| Net interest margin | 4.7815% | 427 |
| Noninterest income to average assets | 1.2813% | 719 |
| Noninterest expense to average assets | 3.8668% | 887 |
| Loan and lease loss provision to assets | 0.2764% | 741 |
| Net operating income to assets | 1.4916% | 887 |
| Return on assets (ROA) | 1.4916% | 918 |
| Pretax return on assets | 1.4916% | 1,566 |
| Return on Equity (ROE) | 11.9839% | 1,423 |
| Retained earnings to average equity (ytd only) | 7.6309% | 1,463 |
| Net charge-offs to loans | 0.7056% | 542 |
| Credit loss provision to net charge-offs | 76.8997% | 2,368 |
| Earnings coverage of net charge-offs (x) | 4.9195% | 3,019 |
| Efficiency ratio | 66.7248% | 4,240 |
| Assets per employee ($millions) | 3.0819% | 5,622 |
| Cash dividends to net income (ytd only)* | 36.3237% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 2,311 |
| Loan loss allowance to noncurrent loans | 96.8497% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.8160% | 1,785 |
| Noncurrent loans to loans | 1.6973% | 2,043 |
| Net loans and leases to total assets | 50.2358% | 4,936 |
| Net loans and leases to deposits | 59.5201% | 4,906 |
| Net loans and leases to core deposits | 63.6006% | 4,853 |
| Total domestic deposits to total assets | 84.4013% | 3,774 |
| Equity capital to assets | 12.9564% | 1,394 |
| Core capital (leverage) ratio | 12.6987% | 1,287 |
| Tier 1 risk-based capital ratio | 22.6690% | 1,159 |
| Total risk-based capital ratio | 23.9225% | 1,140 |
| Memoranda: | ||
| Average total assets | $366,193,330 | 1,790 |
| Average earning assets | $333,408,670 | 1,809 |
| Average equity | $45,578,000 | 1,572 |
| Average total loans | $186,499,330 | 2,166 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9826% | 744 |
| Cost of funding earning assets | 0.1510% | 6,348 |
| Net interest margin | 4.8316% | 362 |
| Noninterest income to average assets | 1.1153% | 897 |
| Noninterest expense to average assets | 3.8279% | 941 |
| Loan and lease loss provision to assets | 0.2437% | 894 |
| Net operating income to assets | 1.4348% | 925 |
| Return on assets (ROA) | 1.4348% | 962 |
| Pretax return on assets | 1.4348% | 1,623 |
| Return on Equity (ROE) | 11.7724% | 1,468 |
| Retained earnings to average equity (ytd only) | 9.8268% | 1,009 |
| Net charge-offs to loans | 1.1484% | 293 |
| Credit loss provision to net charge-offs | 41.7293% | 2,287 |
| Earnings coverage of net charge-offs (x) | 2.8741% | 2,780 |
| Efficiency ratio | 67.5638% | 4,262 |
| Assets per employee ($millions) | 3.0416% | 5,791 |
| Cash dividends to net income (ytd only)* | 16.5264% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 2,703 |
| Loan loss allowance to noncurrent loans | 93.7043% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.0940% | 1,604 |
| Noncurrent loans to loans | 1.7078% | 2,274 |
| Net loans and leases to total assets | 49.6459% | 4,941 |
| Net loans and leases to deposits | 57.0150% | 5,031 |
| Net loans and leases to core deposits | 61.1566% | 4,949 |
| Total domestic deposits to total assets | 87.0751% | 2,759 |
| Equity capital to assets | 12.5189% | 1,563 |
| Core capital (leverage) ratio | 12.6929% | 1,300 |
| Tier 1 risk-based capital ratio | 22.7492% | 1,170 |
| Total risk-based capital ratio | 24.0018% | 1,157 |
| Memoranda: | ||
| Average total assets | $364,377,000 | 1,802 |
| Average earning assets | $331,153,500 | 1,822 |
| Average equity | $44,409,000 | 1,602 |
| Average total loans | $185,304,000 | 2,181 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 436 |
| Cost of funding earning assets | 0.1253% | 6,619 |
| Net interest margin | 5.2745% | 194 |
| Noninterest income to average assets | 1.2282% | 923 |
| Noninterest expense to average assets | 4.4451% | 547 |
| Loan and lease loss provision to assets | 0.2994% | 1,126 |
| Net operating income to assets | 1.2784% | 1,309 |
| Return on assets (ROA) | 1.2998% | 1,300 |
| Pretax return on assets | 1.2998% | 2,155 |
| Return on Equity (ROE) | 10.1862% | 2,034 |
| Retained earnings to average equity (ytd only) | 8.8465% | 808 |
| Net charge-offs to loans | 0.5318% | 1,250 |
| Credit loss provision to net charge-offs | 111.6408% | 2,153 |
| Earnings coverage of net charge-offs (x) | 5.8836% | 3,183 |
| Efficiency ratio | 72.0308% | 3,464 |
| Assets per employee ($millions) | 2.9336% | 5,933 |
| Cash dividends to net income (ytd only)* | 13.1519% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 2,247 |
| Loan loss allowance to noncurrent loans | 85.5754% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 2.2649% | 1,567 |
| Noncurrent loans to loans | 2.0412% | 1,947 |
| Net loans and leases to total assets | 50.3627% | 5,042 |
| Net loans and leases to deposits | 58.8907% | 5,046 |
| Net loans and leases to core deposits | 63.1696% | 4,955 |
| Total domestic deposits to total assets | 85.5191% | 3,499 |
| Equity capital to assets | 11.8553% | 1,904 |
| Core capital (leverage) ratio | 12.3415% | 1,428 |
| Tier 1 risk-based capital ratio | 21.8836% | 1,279 |
| Total risk-based capital ratio | 23.1381% | 1,252 |
| Memoranda: | ||
| Average total assets | $336,350,200 | 1,909 |
| Average earning assets | $305,754,600 | 1,937 |
| Average equity | $42,921,000 | 1,636 |
| Average total loans | $169,618,400 | 2,309 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 394 |
| Cost of funding earning assets | 0.1330% | 6,693 |
| Net interest margin | 5.3313% | 183 |
| Noninterest income to average assets | 1.3196% | 849 |
| Noninterest expense to average assets | 4.4216% | 563 |
| Loan and lease loss provision to assets | 0.3448% | 941 |
| Net operating income to assets | 1.4029% | 1,095 |
| Return on assets (ROA) | 1.4320% | 1,080 |
| Pretax return on assets | 1.4320% | 1,827 |
| Return on Equity (ROE) | 11.0066% | 1,812 |
| Retained earnings to average equity (ytd only) | 9.2183% | 995 |
| Net charge-offs to loans | 0.6078% | 1,023 |
| Credit loss provision to net charge-offs | 112.9973% | 2,077 |
| Earnings coverage of net charge-offs (x) | 5.7281% | 3,117 |
| Efficiency ratio | 69.9593% | 3,765 |
| Assets per employee ($millions) | 2.8813% | 6,033 |
| Cash dividends to net income (ytd only)* | 16.2476% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 2,488 |
| Loan loss allowance to noncurrent loans | 61.5880% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 2.4107% | 1,608 |
| Noncurrent loans to loans | 2.8245% | 1,472 |
| Net loans and leases to total assets | 50.5655% | 5,069 |
| Net loans and leases to deposits | 59.4408% | 5,039 |
| Net loans and leases to core deposits | 63.5096% | 4,940 |
| Total domestic deposits to total assets | 85.0686% | 3,715 |
| Equity capital to assets | 11.7962% | 2,051 |
| Core capital (leverage) ratio | 12.0854% | 1,622 |
| Tier 1 risk-based capital ratio | 21.3920% | 1,422 |
| Total risk-based capital ratio | 22.6461% | 1,393 |
| Memoranda: | ||
| Average total assets | $329,497,500 | 1,966 |
| Average earning assets | $299,732,750 | 1,988 |
| Average equity | $42,870,000 | 1,646 |
| Average total loans | $165,408,750 | 2,365 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6007% | 318 |
| Cost of funding earning assets | 0.1443% | 6,727 |
| Net interest margin | 5.4563% | 144 |
| Noninterest income to average assets | 1.3854% | 818 |
| Noninterest expense to average assets | 4.5823% | 487 |
| Loan and lease loss provision to assets | 0.3204% | 1,093 |
| Net operating income to assets | 1.4476% | 989 |
| Return on assets (ROA) | 1.4922% | 981 |
| Pretax return on assets | 1.4922% | 1,635 |
| Return on Equity (ROE) | 11.0762% | 1,790 |
| Retained earnings to average equity (ytd only) | 9.6771% | 919 |
| Net charge-offs to loans | 0.7569% | 844 |
| Credit loss provision to net charge-offs | 85.1419% | 2,542 |
| Earnings coverage of net charge-offs (x) | 4.6978% | 3,061 |
| Efficiency ratio | 70.5452% | 3,726 |
| Assets per employee ($millions) | 2.9598% | 5,913 |
| Cash dividends to net income (ytd only)* | 12.6316% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 3,024 |
| Loan loss allowance to noncurrent loans | 80.6689% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.2098% | 1,954 |
| Noncurrent loans to loans | 2.0277% | 2,372 |
| Net loans and leases to total assets | 50.5941% | 5,049 |
| Net loans and leases to deposits | 58.6755% | 5,100 |
| Net loans and leases to core deposits | 62.8099% | 5,028 |
| Total domestic deposits to total assets | 86.2270% | 3,244 |
| Equity capital to assets | 11.7038% | 2,126 |
| Core capital (leverage) ratio | 11.3911% | 2,024 |
| Tier 1 risk-based capital ratio | 20.7110% | 1,567 |
| Total risk-based capital ratio | 21.9640% | 1,534 |
| Memoranda: | ||
| Average total assets | $318,314,000 | 2,031 |
| Average earning assets | $289,644,670 | 2,059 |
| Average equity | $42,884,670 | 1,649 |
| Average total loans | $158,269,330 | 2,462 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6030% | 311 |
| Cost of funding earning assets | 0.1795% | 6,679 |
| Net interest margin | 5.4235% | 138 |
| Noninterest income to average assets | 1.4500% | 733 |
| Noninterest expense to average assets | 4.6357% | 483 |
| Loan and lease loss provision to assets | 0.4197% | 724 |
| Net operating income to assets | 1.3431% | 1,167 |
| Return on assets (ROA) | 1.3512% | 1,245 |
| Pretax return on assets | 1.3512% | 2,039 |
| Return on Equity (ROE) | 9.2788% | 2,363 |
| Retained earnings to average equity (ytd only) | 9.2788% | 1,292 |
| Net charge-offs to loans | 0.7261% | 840 |
| Credit loss provision to net charge-offs | 118.7739% | 1,614 |
| Earnings coverage of net charge-offs (x) | 4.9885% | 2,430 |
| Efficiency ratio | 71.0749% | 3,778 |
| Assets per employee ($millions) | 3.1001% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 2,938 |
| Loan loss allowance to noncurrent loans | 65.8778% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 2.8147% | 1,608 |
| Noncurrent loans to loans | 2.6052% | 1,976 |
| Net loans and leases to total assets | 49.2757% | 5,081 |
| Net loans and leases to deposits | 56.9415% | 5,145 |
| Net loans and leases to core deposits | 61.1865% | 5,032 |
| Total domestic deposits to total assets | 86.5374% | 3,210 |
| Equity capital to assets | 13.1073% | 1,380 |
| Core capital (leverage) ratio | 10.9034% | 2,348 |
| Tier 1 risk-based capital ratio | 20.7371% | 1,607 |
| Total risk-based capital ratio | 21.9912% | 1,576 |
| Memoranda: | ||
| Average total assets | $295,444,000 | 2,219 |
| Average earning assets | $269,568,000 | 2,217 |
| Average equity | $43,023,000 | 1,658 |
| Average total loans | $143,777,500 | 2,668 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6848% | 441 |
| Cost of funding earning assets | 0.2396% | 6,714 |
| Net interest margin | 5.4452% | 185 |
| Noninterest income to average assets | 0.8025% | 2,254 |
| Noninterest expense to average assets | 3.4867% | 1,843 |
| Loan and lease loss provision to assets | 0.5918% | 933 |
| Net operating income to assets | 1.7574% | 550 |
| Return on assets (ROA) | 1.7804% | 592 |
| Pretax return on assets | 1.7804% | 954 |
| Return on Equity (ROE) | 9.7151% | 2,303 |
| Retained earnings to average equity (ytd only) | -2.7470% | 6,243 |
| Net charge-offs to loans | 1.0893% | 974 |
| Credit loss provision to net charge-offs | 111.0599% | 2,632 |
| Earnings coverage of net charge-offs (x) | 4.4083% | 3,374 |
| Efficiency ratio | 59.7458% | 5,583 |
| Assets per employee ($millions) | 3.2668% | 5,476 |
| Cash dividends to net income (ytd only)* | 128.2759% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1195% | 592 |
| Loan loss allowance to noncurrent loans | 220.4196% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 1.4168% | 3,278 |
| Noncurrent loans to loans | 1.4153% | 3,476 |
| Net loans and leases to total assets | 44.7241% | 5,756 |
| Net loans and leases to deposits | 60.5019% | 4,972 |
| Net loans and leases to core deposits | 65.3251% | 4,803 |
| Total domestic deposits to total assets | 73.9219% | 6,533 |
| Equity capital to assets | 17.0350% | 410 |
| Core capital (leverage) ratio | 15.0688% | 560 |
| Tier 1 risk-based capital ratio | 27.6446% | 646 |
| Total risk-based capital ratio | 28.9129% | 633 |
| Memoranda: | ||
| Average total assets | $203,601,200 | 3,005 |
| Average earning assets | $188,202,800 | 2,984 |
| Average equity | $37,313,000 | 1,861 |
| Average total loans | $99,604,600 | 3,535 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7961% | 399 |
| Cost of funding earning assets | 0.2509% | 6,804 |
| Net interest margin | 5.5452% | 162 |
| Noninterest income to average assets | 0.7101% | 2,658 |
| Noninterest expense to average assets | 3.5531% | 1,647 |
| Loan and lease loss provision to assets | 0.6120% | 886 |
| Net operating income to assets | 1.6631% | 746 |
| Return on assets (ROA) | 1.6945% | 766 |
| Pretax return on assets | 1.6945% | 1,284 |
| Return on Equity (ROE) | 9.0709% | 2,765 |
| Retained earnings to average equity (ytd only) | 1.9256% | 5,365 |
| Net charge-offs to loans | 0.9229% | 1,172 |
| Credit loss provision to net charge-offs | 133.4789% | 2,159 |
| Earnings coverage of net charge-offs (x) | 4.9621% | 3,150 |
| Efficiency ratio | 60.9642% | 5,321 |
| Assets per employee ($millions) | 2.9285% | 6,165 |
| Cash dividends to net income (ytd only)* | 78.7711% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3030% | 549 |
| Loan loss allowance to noncurrent loans | 220.5544% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 1.7787% | 2,943 |
| Noncurrent loans to loans | 1.4976% | 3,540 |
| Net loans and leases to total assets | 47.9552% | 5,554 |
| Net loans and leases to deposits | 62.6211% | 4,894 |
| Net loans and leases to core deposits | 67.9397% | 4,730 |
| Total domestic deposits to total assets | 76.5798% | 6,298 |
| Equity capital to assets | 19.3124% | 275 |
| Core capital (leverage) ratio | 16.3320% | 441 |
| Tier 1 risk-based capital ratio | 30.1174% | 526 |
| Total risk-based capital ratio | 31.3889% | 513 |
| Memoranda: | ||
| Average total assets | $199,783,250 | 3,079 |
| Average earning assets | $184,396,250 | 3,062 |
| Average equity | $37,320,000 | 1,883 |
| Average total loans | $99,245,500 | 3,582 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8352% | 384 |
| Cost of funding earning assets | 0.2514% | 6,909 |
| Net interest margin | 5.5838% | 157 |
| Noninterest income to average assets | 0.7390% | 2,477 |
| Noninterest expense to average assets | 3.5600% | 1,660 |
| Loan and lease loss provision to assets | 0.5990% | 997 |
| Net operating income to assets | 1.7330% | 630 |
| Return on assets (ROA) | 1.7380% | 701 |
| Pretax return on assets | 1.7380% | 1,164 |
| Return on Equity (ROE) | 9.4097% | 2,608 |
| Retained earnings to average equity (ytd only) | -1.3102% | 6,254 |
| Net charge-offs to loans | 0.6398% | 1,719 |
| Credit loss provision to net charge-offs | 188.3648% | 1,503 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,499 |
| Efficiency ratio | 60.4209% | 5,512 |
| Assets per employee ($millions) | 3.0376% | 5,987 |
| Cash dividends to net income (ytd only)* | 113.9241% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3778% | 549 |
| Loan loss allowance to noncurrent loans | 154.2365% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 1.4240% | 3,587 |
| Noncurrent loans to loans | 2.1900% | 2,726 |
| Net loans and leases to total assets | 46.5654% | 5,774 |
| Net loans and leases to deposits | 63.7083% | 4,806 |
| Net loans and leases to core deposits | 68.9102% | 4,683 |
| Total domestic deposits to total assets | 73.0916% | 6,738 |
| Equity capital to assets | 18.2674% | 321 |
| Core capital (leverage) ratio | 15.9543% | 466 |
| Tier 1 risk-based capital ratio | 29.7748% | 527 |
| Total risk-based capital ratio | 31.0467% | 520 |
| Memoranda: | ||
| Average total assets | $199,999,000 | 3,085 |
| Average earning assets | $184,568,000 | 3,065 |
| Average equity | $36,940,670 | 1,888 |
| Average total loans | $99,408,000 | 3,589 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9482% | 329 |
| Cost of funding earning assets | 0.2629% | 6,972 |
| Net interest margin | 5.6853% | 142 |
| Noninterest income to average assets | 0.7688% | 2,307 |
| Noninterest expense to average assets | 3.5734% | 1,621 |
| Loan and lease loss provision to assets | 0.6114% | 929 |
| Net operating income to assets | 1.8200% | 579 |
| Return on assets (ROA) | 1.8301% | 639 |
| Pretax return on assets | 1.8301% | 1,016 |
| Return on Equity (ROE) | 9.8527% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.5938% | 2,637 |
| Net charge-offs to loans | 0.5316% | 1,762 |
| Credit loss provision to net charge-offs | 227.8195% | 1,224 |
| Earnings coverage of net charge-offs (x) | 9.0602% | 1,888 |
| Efficiency ratio | 59.5094% | 5,692 |
| Assets per employee ($millions) | 2.9314% | 6,289 |
| Cash dividends to net income (ytd only)* | 33.0761% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2081% | 681 |
| Loan loss allowance to noncurrent loans | 143.7163% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 1.7739% | 3,204 |
| Noncurrent loans to loans | 2.2322% | 2,886 |
| Net loans and leases to total assets | 49.1889% | 5,407 |
| Net loans and leases to deposits | 66.9362% | 4,242 |
| Net loans and leases to core deposits | 72.7154% | 4,053 |
| Total domestic deposits to total assets | 73.4863% | 6,785 |
| Equity capital to assets | 18.9324% | 284 |
| Core capital (leverage) ratio | 16.3474% | 428 |
| Tier 1 risk-based capital ratio | 30.0958% | 516 |
| Total risk-based capital ratio | 31.3665% | 507 |
| Memoranda: | ||
| Average total assets | $198,240,500 | 3,130 |
| Average earning assets | $182,577,000 | 3,116 |
| Average equity | $36,822,500 | 1,893 |
| Average total loans | $100,071,500 | 3,596 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0020% | 429 |
| Cost of funding earning assets | 0.3260% | 7,059 |
| Net interest margin | 5.6760% | 135 |
| Noninterest income to average assets | 0.6724% | 2,771 |
| Noninterest expense to average assets | 3.6711% | 1,594 |
| Loan and lease loss provision to assets | 0.8013% | 1,224 |
| Net operating income to assets | 1.4402% | 944 |
| Return on assets (ROA) | 1.7614% | 531 |
| Pretax return on assets | 1.7614% | 875 |
| Return on Equity (ROE) | 10.3773% | 1,930 |
| Retained earnings to average equity (ytd only) | 5.2798% | 2,468 |
| Net charge-offs to loans | 1.2198% | 1,377 |
| Credit loss provision to net charge-offs | 131.1462% | 2,329 |
| Earnings coverage of net charge-offs (x) | 3.6686% | 3,430 |
| Efficiency ratio | 62.0891% | 5,444 |
| Assets per employee ($millions) | 2.9423% | 6,208 |
| Cash dividends to net income (ytd only)* | 49.1213% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0220% | 793 |
| Loan loss allowance to noncurrent loans | 135.2364% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 1.8583% | 3,176 |
| Noncurrent loans to loans | 2.2346% | 2,920 |
| Net loans and leases to total assets | 48.6313% | 5,765 |
| Net loans and leases to deposits | 64.5046% | 4,939 |
| Net loans and leases to core deposits | 70.3162% | 4,741 |
| Total domestic deposits to total assets | 75.3920% | 6,551 |
| Equity capital to assets | 18.2235% | 334 |
| Core capital (leverage) ratio | 16.1786% | 442 |
| Tier 1 risk-based capital ratio | 28.3515% | 598 |
| Total risk-based capital ratio | 29.6188% | 590 |
| Memoranda: | ||
| Average total assets | $197,054,800 | 3,088 |
| Average earning assets | $181,923,600 | 3,065 |
| Average equity | $33,448,000 | 1,989 |
| Average total loans | $98,704,000 | 3,655 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0289% | 433 |
| Cost of funding earning assets | 0.3382% | 7,148 |
| Net interest margin | 5.6907% | 136 |
| Noninterest income to average assets | 0.6677% | 2,784 |
| Noninterest expense to average assets | 3.5469% | 1,817 |
| Loan and lease loss provision to assets | 0.8579% | 1,066 |
| Net operating income to assets | 1.5208% | 891 |
| Return on assets (ROA) | 1.9507% | 418 |
| Pretax return on assets | 1.9507% | 688 |
| Return on Equity (ROE) | 11.7121% | 1,616 |
| Retained earnings to average equity (ytd only) | 5.4645% | 2,877 |
| Net charge-offs to loans | 1.3903% | 1,086 |
| Credit loss provision to net charge-offs | 123.2195% | 2,619 |
| Earnings coverage of net charge-offs (x) | 3.4166% | 3,444 |
| Efficiency ratio | 59.8579% | 5,746 |
| Assets per employee ($millions) | 2.8267% | 6,441 |
| Cash dividends to net income (ytd only)* | 53.3427% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8953% | 936 |
| Loan loss allowance to noncurrent loans | 104.3619% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 2.0037% | 3,134 |
| Noncurrent loans to loans | 2.7743% | 2,507 |
| Net loans and leases to total assets | 49.7813% | 5,731 |
| Net loans and leases to deposits | 73.1656% | 3,782 |
| Net loans and leases to core deposits | 79.6425% | 3,694 |
| Total domestic deposits to total assets | 68.0392% | 7,139 |
| Equity capital to assets | 18.2425% | 362 |
| Core capital (leverage) ratio | 16.0777% | 493 |
| Tier 1 risk-based capital ratio | 28.1459% | 643 |
| Total risk-based capital ratio | 29.4208% | 631 |
| Memoranda: | ||
| Average total assets | $196,299,250 | 3,116 |
| Average earning assets | $181,367,000 | 3,092 |
| Average equity | $32,694,750 | 2,032 |
| Average total loans | $98,297,000 | 3,689 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0212% | 465 |
| Cost of funding earning assets | 0.3506% | 7,222 |
| Net interest margin | 5.6706% | 136 |
| Noninterest income to average assets | 0.6639% | 2,744 |
| Noninterest expense to average assets | 3.5330% | 1,904 |
| Loan and lease loss provision to assets | 1.0116% | 855 |
| Net operating income to assets | 1.3644% | 1,160 |
| Return on assets (ROA) | 1.7873% | 553 |
| Pretax return on assets | 1.7873% | 904 |
| Return on Equity (ROE) | 11.0799% | 1,770 |
| Retained earnings to average equity (ytd only) | 5.5211% | 2,683 |
| Net charge-offs to loans | 1.3997% | 1,084 |
| Credit loss provision to net charge-offs | 145.4678% | 2,106 |
| Earnings coverage of net charge-offs (x) | 3.4167% | 3,178 |
| Efficiency ratio | 59.7901% | 5,906 |
| Assets per employee ($millions) | 2.9016% | 6,298 |
| Cash dividends to net income (ytd only)* | 50.1706% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9571% | 930 |
| Loan loss allowance to noncurrent loans | 166.2745% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 1.4733% | 4,001 |
| Noncurrent loans to loans | 1.7784% | 3,783 |
| Net loans and leases to total assets | 49.3655% | 5,902 |
| Net loans and leases to deposits | 67.8656% | 4,728 |
| Net loans and leases to core deposits | 73.7832% | 4,603 |
| Total domestic deposits to total assets | 72.7401% | 6,952 |
| Equity capital to assets | 16.8888% | 495 |
| Core capital (leverage) ratio | 16.1757% | 485 |
| Tier 1 risk-based capital ratio | 27.9362% | 660 |
| Total risk-based capital ratio | 29.2096% | 647 |
| Memoranda: | ||
| Average total assets | $196,719,330 | 3,130 |
| Average earning assets | $181,956,000 | 3,099 |
| Average equity | $31,733,000 | 2,081 |
| Average total loans | $97,733,330 | 3,746 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9588% | 520 |
| Cost of funding earning assets | 0.3625% | 7,298 |
| Net interest margin | 5.5963% | 143 |
| Noninterest income to average assets | 0.7026% | 2,562 |
| Noninterest expense to average assets | 3.4232% | 2,217 |
| Loan and lease loss provision to assets | 0.5580% | 1,549 |
| Net operating income to assets | 1.9081% | 399 |
| Return on assets (ROA) | 1.9081% | 422 |
| Pretax return on assets | 1.9081% | 669 |
| Return on Equity (ROE) | 12.1146% | 1,429 |
| Retained earnings to average equity (ytd only) | 2.8444% | 4,463 |
| Net charge-offs to loans | 1.6885% | 784 |
| Credit loss provision to net charge-offs | 67.3219% | 3,399 |
| Earnings coverage of net charge-offs (x) | 2.9754% | 2,894 |
| Efficiency ratio | 58.1259% | 6,253 |
| Assets per employee ($millions) | 2.9715% | 6,195 |
| Cash dividends to net income (ytd only)* | 76.5208% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6115% | 1,295 |
| Loan loss allowance to noncurrent loans | 189.4224% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 5,100 |
| Noncurrent loans to loans | 1.3786% | 4,403 |
| Net loans and leases to total assets | 48.7528% | 5,982 |
| Net loans and leases to deposits | 62.3685% | 5,459 |
| Net loans and leases to core deposits | 69.0879% | 5,153 |
| Total domestic deposits to total assets | 78.1688% | 6,358 |
| Equity capital to assets | 16.3068% | 523 |
| Core capital (leverage) ratio | 15.8719% | 525 |
| Tier 1 risk-based capital ratio | 28.3379% | 613 |
| Total risk-based capital ratio | 29.6009% | 602 |
| Memoranda: | ||
| Average total assets | $196,425,000 | 3,165 |
| Average earning assets | $182,049,500 | 3,114 |
| Average equity | $30,938,000 | 2,117 |
| Average total loans | $96,415,000 | 3,822 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4457% | 343 |
| Cost of funding earning assets | 0.5253% | 7,261 |
| Net interest margin | 5.9204% | 105 |
| Noninterest income to average assets | 0.7287% | 2,653 |
| Noninterest expense to average assets | 3.9173% | 1,289 |
| Loan and lease loss provision to assets | 0.7841% | 2,082 |
| Net operating income to assets | 1.4804% | 800 |
| Return on assets (ROA) | 1.9222% | 343 |
| Pretax return on assets | 1.9222% | 584 |
| Return on Equity (ROE) | 11.4794% | 1,460 |
| Retained earnings to average equity (ytd only) | 6.0592% | 1,782 |
| Net charge-offs to loans | 0.8037% | 2,625 |
| Credit loss provision to net charge-offs | 185.7503% | 1,765 |
| Earnings coverage of net charge-offs (x) | 5.3644% | 2,645 |
| Efficiency ratio | 63.3686% | 5,450 |
| Assets per employee ($millions) | 3.0724% | 5,939 |
| Cash dividends to net income (ytd only)* | 47.2168% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7636% | 1,098 |
| Loan loss allowance to noncurrent loans | 280.2743% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 5,732 |
| Noncurrent loans to loans | 0.9861% | 5,087 |
| Net loans and leases to total assets | 46.8113% | 6,493 |
| Net loans and leases to deposits | 59.2958% | 6,125 |
| Net loans and leases to core deposits | 67.3099% | 5,741 |
| Total domestic deposits to total assets | 78.9453% | 6,093 |
| Equity capital to assets | 15.2125% | 740 |
| Core capital (leverage) ratio | 15.5746% | 566 |
| Tier 1 risk-based capital ratio | 27.8618% | 619 |
| Total risk-based capital ratio | 29.0292% | 612 |
| Memoranda: | ||
| Average total assets | $187,859,000 | 3,257 |
| Average earning assets | $173,029,400 | 3,225 |
| Average equity | $31,456,400 | 2,087 |
| Average total loans | $98,671,400 | 3,838 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5477% | 310 |
| Cost of funding earning assets | 0.5698% | 7,348 |
| Net interest margin | 5.9779% | 95 |
| Noninterest income to average assets | 0.7399% | 2,582 |
| Noninterest expense to average assets | 3.8608% | 1,260 |
| Loan and lease loss provision to assets | 0.3555% | 3,772 |
| Net operating income to assets | 2.0155% | 329 |
| Return on assets (ROA) | 2.0155% | 357 |
| Pretax return on assets | 2.0155% | 605 |
| Return on Equity (ROE) | 11.7463% | 1,572 |
| Retained earnings to average equity (ytd only) | 7.4176% | 1,634 |
| Net charge-offs to loans | 0.4216% | 3,603 |
| Credit loss provision to net charge-offs | 157.0064% | 2,435 |
| Earnings coverage of net charge-offs (x) | 10.4712% | 1,878 |
| Efficiency ratio | 61.9533% | 5,630 |
| Assets per employee ($millions) | 2.7044% | 6,772 |
| Cash dividends to net income (ytd only)* | 36.8516% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2209% | 1,762 |
| Loan loss allowance to noncurrent loans | 274.7771% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 5,580 |
| Noncurrent loans to loans | 0.8083% | 5,600 |
| Net loans and leases to total assets | 49.4573% | 6,381 |
| Net loans and leases to deposits | 64.9131% | 5,800 |
| Net loans and leases to core deposits | 75.9827% | 5,059 |
| Total domestic deposits to total assets | 76.1900% | 6,617 |
| Equity capital to assets | 18.4572% | 379 |
| Core capital (leverage) ratio | 15.6907% | 609 |
| Tier 1 risk-based capital ratio | 28.0159% | 628 |
| Total risk-based capital ratio | 29.2748% | 606 |
| Memoranda: | ||
| Average total assets | $184,897,750 | 3,348 |
| Average earning assets | $169,867,250 | 3,326 |
| Average equity | $31,725,500 | 2,087 |
| Average total loans | $99,304,000 | 3,877 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5703% | 304 |
| Cost of funding earning assets | 0.6148% | 7,378 |
| Net interest margin | 5.9556% | 98 |
| Noninterest income to average assets | 0.7352% | 2,482 |
| Noninterest expense to average assets | 3.8230% | 1,322 |
| Loan and lease loss provision to assets | 0.3134% | 3,869 |
| Net operating income to assets | 2.0655% | 296 |
| Return on assets (ROA) | 2.0655% | 320 |
| Pretax return on assets | 2.0655% | 528 |
| Return on Equity (ROE) | 12.3658% | 1,370 |
| Retained earnings to average equity (ytd only) | 6.2649% | 2,193 |
| Net charge-offs to loans | 0.5198% | 2,972 |
| Credit loss provision to net charge-offs | 110.0000% | 3,701 |
| Earnings coverage of net charge-offs (x) | 8.3500% | 2,149 |
| Efficiency ratio | 61.6431% | 5,749 |
| Assets per employee ($millions) | 2.9487% | 6,248 |
| Cash dividends to net income (ytd only)* | 49.3369% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 2,116 |
| Loan loss allowance to noncurrent loans | 207.2389% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 5,555 |
| Noncurrent loans to loans | 0.9788% | 5,350 |
| Net loans and leases to total assets | 50.4993% | 6,380 |
| Net loans and leases to deposits | 67.6735% | 5,592 |
| Net loans and leases to core deposits | 78.5206% | 4,865 |
| Total domestic deposits to total assets | 74.6220% | 6,899 |
| Equity capital to assets | 16.6368% | 581 |
| Core capital (leverage) ratio | 15.9645% | 572 |
| Tier 1 risk-based capital ratio | 26.7835% | 715 |
| Total risk-based capital ratio | 28.0400% | 703 |
| Memoranda: | ||
| Average total assets | $182,526,330 | 3,406 |
| Average earning assets | $167,541,000 | 3,384 |
| Average equity | $30,487,330 | 2,161 |
| Average total loans | $100,031,670 | 3,899 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7057% | 267 |
| Cost of funding earning assets | 0.6701% | 7,397 |
| Net interest margin | 6.0356% | 102 |
| Noninterest income to average assets | 0.7328% | 2,395 |
| Noninterest expense to average assets | 3.8639% | 1,224 |
| Loan and lease loss provision to assets | 0.3372% | 3,366 |
| Net operating income to assets | 2.0589% | 313 |
| Return on assets (ROA) | 2.0589% | 346 |
| Pretax return on assets | 2.0589% | 547 |
| Return on Equity (ROE) | 12.3005% | 1,420 |
| Retained earnings to average equity (ytd only) | 1.1548% | 5,356 |
| Net charge-offs to loans | 0.4173% | 2,791 |
| Credit loss provision to net charge-offs | 142.8571% | 2,488 |
| Earnings coverage of net charge-offs (x) | 10.1524% | 1,772 |
| Efficiency ratio | 61.7235% | 5,883 |
| Assets per employee ($millions) | 2.5950% | 7,045 |
| Cash dividends to net income (ytd only)* | 90.6114% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0204% | 2,133 |
| Loan loss allowance to noncurrent loans | 228.2167% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 5,834 |
| Noncurrent loans to loans | 0.8853% | 5,548 |
| Net loans and leases to total assets | 53.9811% | 6,026 |
| Net loans and leases to deposits | 69.2005% | 5,446 |
| Net loans and leases to core deposits | 78.4321% | 4,973 |
| Total domestic deposits to total assets | 78.0068% | 6,314 |
| Equity capital to assets | 16.6367% | 575 |
| Core capital (leverage) ratio | 15.8532% | 606 |
| Tier 1 risk-based capital ratio | 26.1243% | 763 |
| Total risk-based capital ratio | 27.3808% | 753 |
| Memoranda: | ||
| Average total assets | $177,956,500 | 3,524 |
| Average earning assets | $162,966,500 | 3,510 |
| Average equity | $29,787,500 | 2,232 |
| Average total loans | $100,650,500 | 3,941 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2149% | 203 |
| Cost of funding earning assets | 0.8769% | 7,444 |
| Net interest margin | 6.3380% | 87 |
| Noninterest income to average assets | 0.7298% | 2,789 |
| Noninterest expense to average assets | 3.6830% | 1,944 |
| Loan and lease loss provision to assets | 0.4575% | 4,084 |
| Net operating income to assets | 2.3292% | 111 |
| Return on assets (ROA) | 2.3292% | 124 |
| Pretax return on assets | 2.3292% | 209 |
| Return on Equity (ROE) | 15.0990% | 655 |
| Retained earnings to average equity (ytd only) | 6.4063% | 1,187 |
| Net charge-offs to loans | 0.3787% | 4,315 |
| Credit loss provision to net charge-offs | 213.1783% | 1,802 |
| Earnings coverage of net charge-offs (x) | 12.9845% | 1,460 |
| Efficiency ratio | 56.9261% | 6,897 |
| Assets per employee ($millions) | 2.4895% | 7,221 |
| Cash dividends to net income (ytd only)* | 57.5714% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 2,132 |
| Loan loss allowance to noncurrent loans | 282.5714% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 6,007 |
| Noncurrent loans to loans | 0.6915% | 5,854 |
| Net loans and leases to total assets | 56.9509% | 5,829 |
| Net loans and leases to deposits | 73.7795% | 5,079 |
| Net loans and leases to core deposits | 88.6402% | 5,259 |
| Total domestic deposits to total assets | 77.1906% | 6,421 |
| Equity capital to assets | 16.8449% | 573 |
| Core capital (leverage) ratio | 16.0222% | 614 |
| Tier 1 risk-based capital ratio | 26.2638% | 743 |
| Total risk-based capital ratio | 27.5208% | 731 |
| Memoranda: | ||
| Average total assets | $180,316,400 | 3,432 |
| Average earning assets | $163,301,800 | 3,459 |
| Average equity | $27,816,400 | 2,392 |
| Average total loans | $102,186,800 | 3,889 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2285% | 221 |
| Cost of funding earning assets | 0.9425% | 7,495 |
| Net interest margin | 6.2860% | 87 |
| Noninterest income to average assets | 0.7164% | 2,911 |
| Noninterest expense to average assets | 3.5432% | 2,160 |
| Loan and lease loss provision to assets | 0.4253% | 3,777 |
| Net operating income to assets | 2.4257% | 116 |
| Return on assets (ROA) | 2.4257% | 130 |
| Pretax return on assets | 2.4257% | 222 |
| Return on Equity (ROE) | 16.0783% | 646 |
| Retained earnings to average equity (ytd only) | 6.4158% | 1,754 |
| Net charge-offs to loans | 0.3436% | 3,919 |
| Credit loss provision to net charge-offs | 219.6970% | 1,999 |
| Earnings coverage of net charge-offs (x) | 14.7273% | 1,578 |
| Efficiency ratio | 55.4128% | 7,077 |
| Assets per employee ($millions) | 2.6405% | 6,962 |
| Cash dividends to net income (ytd only)* | 60.0967% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 2,353 |
| Loan loss allowance to noncurrent loans | 347.5655% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 6,094 |
| Noncurrent loans to loans | 0.5116% | 6,285 |
| Net loans and leases to total assets | 55.4713% | 6,203 |
| Net loans and leases to deposits | 80.6055% | 4,279 |
| Net loans and leases to core deposits | 97.8097% | 4,628 |
| Total domestic deposits to total assets | 68.8183% | 7,504 |
| Equity capital to assets | 16.0548% | 783 |
| Core capital (leverage) ratio | 15.4611% | 770 |
| Tier 1 risk-based capital ratio | 24.7999% | 920 |
| Total risk-based capital ratio | 26.0546% | 894 |
| Memoranda: | ||
| Average total assets | $181,829,000 | 3,439 |
| Average earning assets | $164,234,000 | 3,470 |
| Average equity | $27,431,750 | 2,441 |
| Average total loans | $102,427,500 | 3,928 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2717% | 215 |
| Cost of funding earning assets | 1.0176% | 7,514 |
| Net interest margin | 6.2541% | 92 |
| Noninterest income to average assets | 0.8395% | 2,223 |
| Noninterest expense to average assets | 3.5227% | 2,275 |
| Loan and lease loss provision to assets | 0.4092% | 3,476 |
| Net operating income to assets | 2.5560% | 101 |
| Return on assets (ROA) | 2.5560% | 112 |
| Pretax return on assets | 2.5560% | 189 |
| Return on Equity (ROE) | 17.3212% | 549 |
| Retained earnings to average equity (ytd only) | 4.2947% | 2,911 |
| Net charge-offs to loans | 0.1788% | 4,457 |
| Credit loss provision to net charge-offs | 406.5934% | 1,140 |
| Earnings coverage of net charge-offs (x) | 29.4615% | 1,009 |
| Efficiency ratio | 54.2959% | 7,300 |
| Assets per employee ($millions) | 2.6196% | 7,014 |
| Cash dividends to net income (ytd only)* | 75.2055% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,052 |
| Loan loss allowance to noncurrent loans | 993.9891% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 6,456 |
| Noncurrent loans to loans | 0.1808% | 7,066 |
| Net loans and leases to total assets | 55.7943% | 6,228 |
| Net loans and leases to deposits | 69.8401% | 6,003 |
| Net loans and leases to core deposits | 92.6997% | 5,273 |
| Total domestic deposits to total assets | 79.8886% | 5,510 |
| Equity capital to assets | 14.8316% | 1,075 |
| Core capital (leverage) ratio | 14.9629% | 931 |
| Tier 1 risk-based capital ratio | 24.7445% | 966 |
| Total risk-based capital ratio | 25.9992% | 948 |
| Memoranda: | ||
| Average total assets | $180,826,670 | 3,466 |
| Average earning assets | $163,318,000 | 3,499 |
| Average equity | $26,684,000 | 2,504 |
| Average total loans | $101,774,330 | 3,971 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4471% | 175 |
| Cost of funding earning assets | 1.1320% | 7,459 |
| Net interest margin | 6.3150% | 83 |
| Noninterest income to average assets | 0.8432% | 2,109 |
| Noninterest expense to average assets | 3.4582% | 2,208 |
| Loan and lease loss provision to assets | 0.3952% | 2,959 |
| Net operating income to assets | 2.6854% | 94 |
| Return on assets (ROA) | 2.6854% | 120 |
| Pretax return on assets | 2.6854% | 185 |
| Return on Equity (ROE) | 18.2428% | 573 |
| Retained earnings to average equity (ytd only) | -0.0447% | 5,659 |
| Net charge-offs to loans | 0.2822% | 2,984 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 19.4861% | 1,420 |
| Efficiency ratio | 52.8878% | 7,331 |
| Assets per employee ($millions) | 2.7619% | 6,733 |
| Cash dividends to net income (ytd only)* | 100.2453% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 2,457 |
| Loan loss allowance to noncurrent loans | 1,287.5000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 6,214 |
| Noncurrent loans to loans | 0.1255% | 7,160 |
| Net loans and leases to total assets | 54.2084% | 6,440 |
| Net loans and leases to deposits | 68.0162% | 6,188 |
| Net loans and leases to core deposits | 83.3300% | 6,116 |
| Total domestic deposits to total assets | 79.6992% | 5,468 |
| Equity capital to assets | 14.6363% | 1,201 |
| Core capital (leverage) ratio | 14.5292% | 1,075 |
| Tier 1 risk-based capital ratio | 23.7653% | 1,111 |
| Total risk-based capital ratio | 25.0184% | 1,083 |
| Memoranda: | ||
| Average total assets | $182,173,500 | 3,472 |
| Average earning assets | $164,306,500 | 3,509 |
| Average equity | $26,816,000 | 2,505 |
| Average total loans | $102,058,000 | 3,976 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0199% | 186 |
| Cost of funding earning assets | 1.6172% | 7,414 |
| Net interest margin | 6.4027% | 77 |
| Noninterest income to average assets | 0.8255% | 2,381 |
| Noninterest expense to average assets | 3.7479% | 1,860 |
| Loan and lease loss provision to assets | 0.2834% | 4,120 |
| Net operating income to assets | 2.5751% | 111 |
| Return on assets (ROA) | 2.5751% | 111 |
| Pretax return on assets | 2.5751% | 166 |
| Return on Equity (ROE) | 17.8408% | 542 |
| Retained earnings to average equity (ytd only) | 8.4130% | 728 |
| Net charge-offs to loans | 0.3712% | 2,983 |
| Credit loss provision to net charge-offs | 129.8201% | 4,098 |
| Earnings coverage of net charge-offs (x) | 13.0951% | 2,171 |
| Efficiency ratio | 56.7315% | 6,903 |
| Assets per employee ($millions) | 2.8919% | 6,332 |
| Cash dividends to net income (ytd only)* | 52.8438% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 2,640 |
| Loan loss allowance to noncurrent loans | 544.1696% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 5,907 |
| Noncurrent loans to loans | 0.2770% | 6,541 |
| Net loans and leases to total assets | 56.1166% | 6,425 |
| Net loans and leases to deposits | 70.1702% | 6,261 |
| Net loans and leases to core deposits | 86.4184% | 6,108 |
| Total domestic deposits to total assets | 79.9721% | 5,036 |
| Equity capital to assets | 14.8065% | 1,214 |
| Core capital (leverage) ratio | 15.1076% | 1,005 |
| Tier 1 risk-based capital ratio | 23.9390% | 1,094 |
| Total risk-based capital ratio | 25.1905% | 1,070 |
| Memoranda: | ||
| Average total assets | $178,205,200 | 3,433 |
| Average earning assets | $160,900,200 | 3,455 |
| Average equity | $25,722,000 | 2,585 |
| Average total loans | $104,781,800 | 3,833 |