Home > Jefferson Bank of Missouri > Performance and Condition Ratios
Jefferson Bank of Missouri, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 1,415 |
| Cost of funding earning assets | 0.1657% | 3,966 |
| Net interest margin | 3.8892% | 957 |
| Noninterest income to average assets | 1.2689% | 727 |
| Noninterest expense to average assets | 2.0664% | 3,465 |
| Loan and lease loss provision to assets | 0.0701% | 1,611 |
| Net operating income to assets | 2.2246% | 310 |
| Return on assets (ROA) | 2.2253% | 327 |
| Pretax return on assets | 2.9169% | 193 |
| Return on Equity (ROE) | 25.0110% | 176 |
| Retained earnings to average equity (ytd only) | 2.6448% | 4,022 |
| Net charge-offs to loans | 0.0260% | 1,519 |
| Credit loss provision to net charge-offs | 367.8261% | 907 |
| Earnings coverage of net charge-offs (x) | 156.5913% | 657 |
| Efficiency ratio | 40.8973% | 4,697 |
| Assets per employee ($millions) | 8.8673% | 935 |
| Cash dividends to net income (ytd only)* | 89.4254% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,481 |
| Loan loss allowance to noncurrent loans | 669.5685% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 2,897 |
| Noncurrent loans to loans | 0.2302% | 3,018 |
| Net loans and leases to total assets | 70.4709% | 1,039 |
| Net loans and leases to deposits | 84.1348% | 953 |
| Net loans and leases to core deposits | 87.2975% | 1,197 |
| Total domestic deposits to total assets | 83.7595% | 3,521 |
| Equity capital to assets | 8.8098% | 3,993 |
| Core capital (leverage) ratio | 8.7822% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3190% | 2,255 |
| Memoranda: | ||
| Average total assets | $804,022,500 | 1,163 |
| Average earning assets | $782,207,500 | 1,123 |
| Average equity | $71,534,750 | 1,346 |
| Average total loans | $589,117,000 | 1,045 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 1,432 |
| Cost of funding earning assets | 0.1772% | 3,977 |
| Net interest margin | 3.8820% | 1,006 |
| Noninterest income to average assets | 1.2816% | 707 |
| Noninterest expense to average assets | 2.0575% | 3,530 |
| Loan and lease loss provision to assets | 0.1017% | 1,249 |
| Net operating income to assets | 2.2097% | 333 |
| Return on assets (ROA) | 2.2097% | 356 |
| Pretax return on assets | 2.8964% | 212 |
| Return on Equity (ROE) | 24.7538% | 203 |
| Retained earnings to average equity (ytd only) | 5.1524% | 3,130 |
| Net charge-offs to loans | 0.0274% | 1,401 |
| Credit loss provision to net charge-offs | 502.4691% | 676 |
| Earnings coverage of net charge-offs (x) | 148.0741% | 594 |
| Efficiency ratio | 40.6972% | 4,730 |
| Assets per employee ($millions) | 8.5065% | 1,008 |
| Cash dividends to net income (ytd only)* | 79.1855% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 1,489 |
| Loan loss allowance to noncurrent loans | 584.0026% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,941 |
| Noncurrent loans to loans | 0.2621% | 3,002 |
| Net loans and leases to total assets | 70.3097% | 1,157 |
| Net loans and leases to deposits | 83.5737% | 1,091 |
| Net loans and leases to core deposits | 86.8699% | 1,356 |
| Total domestic deposits to total assets | 84.1290% | 3,387 |
| Equity capital to assets | 8.7867% | 3,986 |
| Core capital (leverage) ratio | 8.8996% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6705% | 2,100 |
| Memoranda: | ||
| Average total assets | $800,100,667 | 1,156 |
| Average earning assets | $777,847,333 | 1,116 |
| Average equity | $71,423,333 | 1,334 |
| Average total loans | $590,858,667 | 1,043 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 1,465 |
| Cost of funding earning assets | 0.1932% | 3,977 |
| Net interest margin | 3.8746% | 1,027 |
| Noninterest income to average assets | 1.2717% | 778 |
| Noninterest expense to average assets | 2.0351% | 3,607 |
| Loan and lease loss provision to assets | 0.1513% | 861 |
| Net operating income to assets | 2.1788% | 431 |
| Return on assets (ROA) | 2.1788% | 470 |
| Pretax return on assets | 2.8543% | 282 |
| Return on Equity (ROE) | 24.2086% | 287 |
| Retained earnings to average equity (ytd only) | 1.6365% | 4,087 |
| Net charge-offs to loans | 0.0480% | 1,012 |
| Credit loss provision to net charge-offs | 419.7183% | 638 |
| Earnings coverage of net charge-offs (x) | 83.3521% | 682 |
| Efficiency ratio | 40.3728% | 4,732 |
| Assets per employee ($millions) | 8.5597% | 969 |
| Cash dividends to net income (ytd only)* | 93.2401% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 1,530 |
| Loan loss allowance to noncurrent loans | 370.8108% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 2,620 |
| Noncurrent loans to loans | 0.4103% | 2,636 |
| Net loans and leases to total assets | 70.9782% | 1,160 |
| Net loans and leases to deposits | 85.1972% | 1,027 |
| Net loans and leases to core deposits | 88.8070% | 1,304 |
| Total domestic deposits to total assets | 83.3105% | 3,614 |
| Equity capital to assets | 8.7295% | 3,929 |
| Core capital (leverage) ratio | 9.1668% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6862% | 2,011 |
| Memoranda: | ||
| Average total assets | $787,586,500 | 1,164 |
| Average earning assets | $766,110,000 | 1,116 |
| Average equity | $70,884,000 | 1,336 |
| Average total loans | $591,706,500 | 1,045 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 2,257 |
| Cost of funding earning assets | 0.3448% | 3,897 |
| Net interest margin | 3.8143% | 1,460 |
| Noninterest income to average assets | 1.4902% | 545 |
| Noninterest expense to average assets | 2.2228% | 3,615 |
| Loan and lease loss provision to assets | 0.3252% | 1,121 |
| Net operating income to assets | 2.0214% | 254 |
| Return on assets (ROA) | 2.0214% | 268 |
| Pretax return on assets | 2.6447% | 163 |
| Return on Equity (ROE) | 22.0432% | 159 |
| Retained earnings to average equity (ytd only) | 15.2173% | 150 |
| Net charge-offs to loans | 0.1968% | 874 |
| Credit loss provision to net charge-offs | 222.0323% | 2,058 |
| Earnings coverage of net charge-offs (x) | 20.2764% | 1,945 |
| Efficiency ratio | 42.8062% | 4,822 |
| Assets per employee ($millions) | 7.7755% | 1,132 |
| Cash dividends to net income (ytd only)* | 30.9661% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 1,752 |
| Loan loss allowance to noncurrent loans | 436.7337% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 2,953 |
| Noncurrent loans to loans | 0.3332% | 3,013 |
| Net loans and leases to total assets | 77.2479% | 672 |
| Net loans and leases to deposits | 91.6553% | 804 |
| Net loans and leases to core deposits | 95.4179% | 1,152 |
| Total domestic deposits to total assets | 84.2808% | 3,019 |
| Equity capital to assets | 9.2890% | 3,799 |
| Core capital (leverage) ratio | 9.1907% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6049% | 2,013 |
| Memoranda: | ||
| Average total assets | $718,917,600 | 1,149 |
| Average earning assets | $697,847,000 | 1,106 |
| Average equity | $65,925,000 | 1,361 |
| Average total loans | $534,974,400 | 1,083 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 2,355 |
| Cost of funding earning assets | 0.3822% | 3,907 |
| Net interest margin | 3.8329% | 1,524 |
| Noninterest income to average assets | 1.4931% | 526 |
| Noninterest expense to average assets | 2.2543% | 3,544 |
| Loan and lease loss provision to assets | 0.3074% | 1,301 |
| Net operating income to assets | 2.0261% | 279 |
| Return on assets (ROA) | 2.0261% | 305 |
| Pretax return on assets | 2.6495% | 168 |
| Return on Equity (ROE) | 22.1720% | 171 |
| Retained earnings to average equity (ytd only) | 19.0814% | 92 |
| Net charge-offs to loans | 0.0952% | 1,356 |
| Credit loss provision to net charge-offs | 440.1617% | 1,386 |
| Earnings coverage of net charge-offs (x) | 42.3315% | 1,321 |
| Efficiency ratio | 43.2582% | 4,825 |
| Assets per employee ($millions) | 7.7460% | 1,103 |
| Cash dividends to net income (ytd only)* | 13.9392% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,306 |
| Loan loss allowance to noncurrent loans | 424.2780% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 3,069 |
| Noncurrent loans to loans | 0.3602% | 2,992 |
| Net loans and leases to total assets | 72.8416% | 1,529 |
| Net loans and leases to deposits | 86.4729% | 1,645 |
| Net loans and leases to core deposits | 90.0518% | 1,963 |
| Total domestic deposits to total assets | 84.2364% | 2,738 |
| Equity capital to assets | 9.1480% | 4,000 |
| Core capital (leverage) ratio | 9.1685% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8760% | 1,868 |
| Memoranda: | ||
| Average total assets | $708,147,250 | 1,150 |
| Average earning assets | $686,949,250 | 1,106 |
| Average equity | $64,710,750 | 1,360 |
| Average total loans | $519,388,250 | 1,095 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 2,410 |
| Cost of funding earning assets | 0.4338% | 3,879 |
| Net interest margin | 3.8909% | 1,590 |
| Noninterest income to average assets | 1.2283% | 669 |
| Noninterest expense to average assets | 2.2623% | 3,614 |
| Loan and lease loss provision to assets | 0.2701% | 1,583 |
| Net operating income to assets | 1.8894% | 408 |
| Return on assets (ROA) | 1.8894% | 452 |
| Pretax return on assets | 2.4686% | 232 |
| Return on Equity (ROE) | 20.6846% | 214 |
| Retained earnings to average equity (ytd only) | 15.9149% | 182 |
| Net charge-offs to loans | 0.1069% | 1,223 |
| Credit loss provision to net charge-offs | 345.7249% | 1,526 |
| Earnings coverage of net charge-offs (x) | 35.0520% | 1,333 |
| Efficiency ratio | 45.2375% | 4,763 |
| Assets per employee ($millions) | 7.4963% | 1,179 |
| Cash dividends to net income (ytd only)* | 23.0592% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 1,298 |
| Loan loss allowance to noncurrent loans | 334.7303% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 3,022 |
| Noncurrent loans to loans | 0.4441% | 2,827 |
| Net loans and leases to total assets | 69.9242% | 2,042 |
| Net loans and leases to deposits | 83.0003% | 2,093 |
| Net loans and leases to core deposits | 86.3198% | 2,410 |
| Total domestic deposits to total assets | 84.2457% | 2,662 |
| Equity capital to assets | 8.6310% | 4,401 |
| Core capital (leverage) ratio | 8.9355% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9561% | 2,197 |
| Memoranda: | ||
| Average total assets | $688,578,667 | 1,160 |
| Average earning assets | $667,655,000 | 1,113 |
| Average equity | $62,897,000 | 1,381 |
| Average total loans | $503,432,333 | 1,110 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 2,134 |
| Cost of funding earning assets | 0.5499% | 3,694 |
| Net interest margin | 4.0062% | 1,376 |
| Noninterest income to average assets | 1.0084% | 843 |
| Noninterest expense to average assets | 2.3248% | 3,714 |
| Loan and lease loss provision to assets | 0.1470% | 1,928 |
| Net operating income to assets | 1.8520% | 370 |
| Return on assets (ROA) | 1.8520% | 412 |
| Pretax return on assets | 2.4158% | 193 |
| Return on Equity (ROE) | 19.6388% | 177 |
| Retained earnings to average equity (ytd only) | 9.8585% | 771 |
| Net charge-offs to loans | 0.1637% | 804 |
| Credit loss provision to net charge-offs | 120.7071% | 1,704 |
| Earnings coverage of net charge-offs (x) | 21.0505% | 1,395 |
| Efficiency ratio | 47.5657% | 4,779 |
| Assets per employee ($millions) | 6.6304% | 1,274 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,261 |
| Loan loss allowance to noncurrent loans | 256.3511% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 2,667 |
| Noncurrent loans to loans | 0.5951% | 2,517 |
| Net loans and leases to total assets | 73.2305% | 1,742 |
| Net loans and leases to deposits | 88.1632% | 1,740 |
| Net loans and leases to core deposits | 91.9964% | 2,155 |
| Total domestic deposits to total assets | 83.0625% | 3,089 |
| Equity capital to assets | 9.4750% | 4,241 |
| Core capital (leverage) ratio | 9.5926% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2283% | 2,605 |
| Memoranda: | ||
| Average total assets | $650,555,500 | 1,187 |
| Average earning assets | $629,916,500 | 1,139 |
| Average equity | $61,348,000 | 1,397 |
| Average total loans | $483,786,000 | 1,124 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7824% | 2,096 |
| Cost of funding earning assets | 0.6280% | 3,519 |
| Net interest margin | 4.1543% | 1,415 |
| Noninterest income to average assets | 0.9696% | 1,036 |
| Noninterest expense to average assets | 2.4045% | 3,681 |
| Loan and lease loss provision to assets | 0.1158% | 1,823 |
| Net operating income to assets | 1.8392% | 490 |
| Return on assets (ROA) | 1.8391% | 514 |
| Pretax return on assets | 2.4632% | 223 |
| Return on Equity (ROE) | 19.7236% | 228 |
| Retained earnings to average equity (ytd only) | 5.5160% | 2,153 |
| Net charge-offs to loans | 0.1276% | 1,495 |
| Credit loss provision to net charge-offs | 124.5250% | 2,045 |
| Earnings coverage of net charge-offs (x) | 27.7409% | 1,651 |
| Efficiency ratio | 48.2472% | 4,823 |
| Assets per employee ($millions) | 6.5121% | 1,279 |
| Cash dividends to net income (ytd only)* | 72.0335% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,104 |
| Loan loss allowance to noncurrent loans | 252.8508% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 2,554 |
| Noncurrent loans to loans | 0.6109% | 2,358 |
| Net loans and leases to total assets | 73.2163% | 1,887 |
| Net loans and leases to deposits | 87.2671% | 1,941 |
| Net loans and leases to core deposits | 90.7589% | 2,351 |
| Total domestic deposits to total assets | 83.8992% | 2,879 |
| Equity capital to assets | 9.3844% | 4,440 |
| Core capital (leverage) ratio | 9.1079% | 4,440 |
| Tier 1 risk-based capital ratio | 11.6766% | 4,538 |
| Total risk-based capital ratio | 12.9290% | 4,422 |
| Memoranda: | ||
| Average total assets | $622,754,600 | 1,191 |
| Average earning assets | $601,731,000 | 1,144 |
| Average equity | $58,067,600 | 1,399 |
| Average total loans | $453,904,000 | 1,150 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 2,205 |
| Cost of funding earning assets | 0.6292% | 3,537 |
| Net interest margin | 4.1428% | 1,519 |
| Noninterest income to average assets | 0.9822% | 967 |
| Noninterest expense to average assets | 2.3620% | 3,791 |
| Loan and lease loss provision to assets | 0.1024% | 1,876 |
| Net operating income to assets | 1.8999% | 493 |
| Return on assets (ROA) | 1.8999% | 513 |
| Pretax return on assets | 2.5155% | 240 |
| Return on Equity (ROE) | 20.4105% | 227 |
| Retained earnings to average equity (ytd only) | 1.2670% | 4,496 |
| Net charge-offs to loans | 0.0089% | 3,044 |
| Credit loss provision to net charge-offs | 1,580.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 403.9900% | 244 |
| Efficiency ratio | 47.4301% | 4,883 |
| Assets per employee ($millions) | 6.4930% | 1,277 |
| Cash dividends to net income (ytd only)* | 93.7927% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 875 |
| Loan loss allowance to noncurrent loans | 382.1517% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 3,069 |
| Noncurrent loans to loans | 0.4355% | 3,004 |
| Net loans and leases to total assets | 70.1351% | 2,448 |
| Net loans and leases to deposits | 85.1304% | 2,306 |
| Net loans and leases to core deposits | 88.4128% | 2,692 |
| Total domestic deposits to total assets | 82.3855% | 3,362 |
| Equity capital to assets | 8.9158% | 4,819 |
| Core capital (leverage) ratio | 9.1910% | 4,483 |
| Tier 1 risk-based capital ratio | 11.5884% | 4,632 |
| Total risk-based capital ratio | 12.8422% | 4,524 |
| Memoranda: | ||
| Average total assets | $617,268,500 | 1,198 |
| Average earning assets | $595,657,000 | 1,155 |
| Average equity | $57,459,250 | 1,411 |
| Average total loans | $447,522,250 | 1,168 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 2,115 |
| Cost of funding earning assets | 0.6203% | 3,550 |
| Net interest margin | 4.1620% | 1,452 |
| Noninterest income to average assets | 0.9779% | 913 |
| Noninterest expense to average assets | 2.3736% | 3,809 |
| Loan and lease loss provision to assets | 0.1016% | 1,843 |
| Net operating income to assets | 1.8995% | 483 |
| Return on assets (ROA) | 1.8995% | 503 |
| Pretax return on assets | 2.5157% | 233 |
| Return on Equity (ROE) | 20.1027% | 252 |
| Retained earnings to average equity (ytd only) | 0.9107% | 4,461 |
| Net charge-offs to loans | 0.0524% | 1,893 |
| Credit loss provision to net charge-offs | 265.5172% | 974 |
| Earnings coverage of net charge-offs (x) | 68.4310% | 910 |
| Efficiency ratio | 47.5590% | 4,919 |
| Assets per employee ($millions) | 6.2923% | 1,340 |
| Cash dividends to net income (ytd only)* | 95.4695% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 916 |
| Loan loss allowance to noncurrent loans | 390.7757% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 2,970 |
| Noncurrent loans to loans | 0.4226% | 3,012 |
| Net loans and leases to total assets | 71.2835% | 2,325 |
| Net loans and leases to deposits | 85.5268% | 2,308 |
| Net loans and leases to core deposits | 89.0917% | 2,683 |
| Total domestic deposits to total assets | 83.3464% | 3,094 |
| Equity capital to assets | 9.2501% | 4,612 |
| Core capital (leverage) ratio | 9.4284% | 4,221 |
| Tier 1 risk-based capital ratio | 11.8258% | 4,513 |
| Total risk-based capital ratio | 13.0795% | 4,402 |
| Memoranda: | ||
| Average total assets | $606,591,330 | 1,213 |
| Average earning assets | $584,860,670 | 1,175 |
| Average equity | $57,315,670 | 1,412 |
| Average total loans | $442,331,330 | 1,179 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 2,061 |
| Cost of funding earning assets | 0.6017% | 3,563 |
| Net interest margin | 4.1446% | 1,439 |
| Noninterest income to average assets | 0.9565% | 904 |
| Noninterest expense to average assets | 2.4097% | 3,748 |
| Loan and lease loss provision to assets | 0.1130% | 1,574 |
| Net operating income to assets | 1.8261% | 539 |
| Return on assets (ROA) | 1.8261% | 558 |
| Pretax return on assets | 2.4164% | 285 |
| Return on Equity (ROE) | 19.1174% | 322 |
| Retained earnings to average equity (ytd only) | -0.1260% | 4,549 |
| Net charge-offs to loans | -0.0155% | 4,392 |
| Credit loss provision to net charge-offs | -994.1176% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7887% | 4,910 |
| Assets per employee ($millions) | 6.0870% | 1,475 |
| Cash dividends to net income (ytd only)* | 100.6589% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 858 |
| Loan loss allowance to noncurrent loans | 319.6053% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 2,449 |
| Noncurrent loans to loans | 0.5320% | 2,717 |
| Net loans and leases to total assets | 70.7643% | 2,369 |
| Net loans and leases to deposits | 85.6745% | 2,171 |
| Net loans and leases to core deposits | 89.4727% | 2,557 |
| Total domestic deposits to total assets | 82.5966% | 3,540 |
| Equity capital to assets | 9.3973% | 4,346 |
| Core capital (leverage) ratio | 9.6844% | 3,935 |
| Tier 1 risk-based capital ratio | 11.9963% | 4,464 |
| Total risk-based capital ratio | 13.2502% | 4,349 |
| Memoranda: | ||
| Average total assets | $598,420,000 | 1,228 |
| Average earning assets | $575,009,000 | 1,196 |
| Average equity | $57,162,500 | 1,415 |
| Average total loans | $437,744,500 | 1,193 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 2,391 |
| Cost of funding earning assets | 0.4156% | 3,892 |
| Net interest margin | 4.1074% | 1,657 |
| Noninterest income to average assets | 1.1035% | 757 |
| Noninterest expense to average assets | 2.3870% | 3,916 |
| Loan and lease loss provision to assets | 0.2071% | 904 |
| Net operating income to assets | 1.8977% | 447 |
| Return on assets (ROA) | 1.8979% | 441 |
| Pretax return on assets | 2.4775% | 213 |
| Return on Equity (ROE) | 19.8246% | 258 |
| Retained earnings to average equity (ytd only) | 3.9736% | 3,389 |
| Net charge-offs to loans | 0.2764% | 699 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 12.9609% | 2,493 |
| Efficiency ratio | 47.0688% | 5,085 |
| Assets per employee ($millions) | 6.0014% | 1,517 |
| Cash dividends to net income (ytd only)* | 79.9564% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 901 |
| Loan loss allowance to noncurrent loans | 288.3684% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 2,291 |
| Noncurrent loans to loans | 0.5760% | 2,557 |
| Net loans and leases to total assets | 73.1174% | 2,075 |
| Net loans and leases to deposits | 87.9545% | 2,047 |
| Net loans and leases to core deposits | 91.2827% | 2,471 |
| Total domestic deposits to total assets | 83.1309% | 3,282 |
| Equity capital to assets | 9.7125% | 3,939 |
| Core capital (leverage) ratio | 9.6535% | 3,946 |
| Tier 1 risk-based capital ratio | 12.1763% | 4,309 |
| Total risk-based capital ratio | 13.4301% | 4,191 |
| Memoranda: | ||
| Average total assets | $579,895,200 | 1,238 |
| Average earning assets | $560,179,800 | 1,202 |
| Average equity | $55,517,000 | 1,408 |
| Average total loans | $434,538,200 | 1,174 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 2,629 |
| Cost of funding earning assets | 0.3684% | 4,065 |
| Net interest margin | 4.0301% | 1,856 |
| Noninterest income to average assets | 1.1029% | 778 |
| Noninterest expense to average assets | 2.4108% | 3,831 |
| Loan and lease loss provision to assets | 0.1636% | 1,162 |
| Net operating income to assets | 1.8420% | 564 |
| Return on assets (ROA) | 1.8420% | 562 |
| Pretax return on assets | 2.4232% | 268 |
| Return on Equity (ROE) | 19.3117% | 315 |
| Retained earnings to average equity (ytd only) | 0.4427% | 4,960 |
| Net charge-offs to loans | 0.2124% | 803 |
| Credit loss provision to net charge-offs | 102.6049% | 2,223 |
| Earnings coverage of net charge-offs (x) | 16.2243% | 2,176 |
| Efficiency ratio | 48.2386% | 5,042 |
| Assets per employee ($millions) | 6.3215% | 1,277 |
| Cash dividends to net income (ytd only)* | 97.7077% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 958 |
| Loan loss allowance to noncurrent loans | 387.3404% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 2,821 |
| Noncurrent loans to loans | 0.4268% | 3,131 |
| Net loans and leases to total assets | 72.9038% | 2,184 |
| Net loans and leases to deposits | 87.1509% | 2,248 |
| Net loans and leases to core deposits | 90.5064% | 2,617 |
| Total domestic deposits to total assets | 83.6523% | 3,062 |
| Equity capital to assets | 9.2595% | 4,313 |
| Core capital (leverage) ratio | 9.6416% | 3,997 |
| Tier 1 risk-based capital ratio | 11.5670% | 4,755 |
| Total risk-based capital ratio | 12.8206% | 4,638 |
| Memoranda: | ||
| Average total assets | $577,835,000 | 1,243 |
| Average earning assets | $558,417,500 | 1,207 |
| Average equity | $55,115,500 | 1,419 |
| Average total loans | $433,849,250 | 1,172 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 2,628 |
| Cost of funding earning assets | 0.3468% | 4,094 |
| Net interest margin | 3.9929% | 1,885 |
| Noninterest income to average assets | 1.0888% | 813 |
| Noninterest expense to average assets | 2.4054% | 3,881 |
| Loan and lease loss provision to assets | 0.1887% | 930 |
| Net operating income to assets | 1.7883% | 592 |
| Return on assets (ROA) | 1.7883% | 595 |
| Pretax return on assets | 2.3530% | 297 |
| Return on Equity (ROE) | 18.5614% | 370 |
| Retained earnings to average equity (ytd only) | 1.1533% | 4,723 |
| Net charge-offs to loans | 0.2479% | 642 |
| Credit loss provision to net charge-offs | 100.9346% | 2,003 |
| Earnings coverage of net charge-offs (x) | 13.5963% | 2,138 |
| Efficiency ratio | 48.6227% | 5,086 |
| Assets per employee ($millions) | 5.6899% | 1,727 |
| Cash dividends to net income (ytd only)* | 93.7866% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 926 |
| Loan loss allowance to noncurrent loans | 410.4461% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 3,013 |
| Noncurrent loans to loans | 0.4105% | 3,226 |
| Net loans and leases to total assets | 73.8115% | 1,971 |
| Net loans and leases to deposits | 85.3448% | 2,396 |
| Net loans and leases to core deposits | 88.8080% | 2,655 |
| Total domestic deposits to total assets | 86.4862% | 2,061 |
| Equity capital to assets | 9.6132% | 3,995 |
| Core capital (leverage) ratio | 9.6665% | 3,921 |
| Tier 1 risk-based capital ratio | 11.7241% | 4,672 |
| Total risk-based capital ratio | 12.9779% | 4,547 |
| Memoranda: | ||
| Average total assets | $572,373,670 | 1,254 |
| Average earning assets | $553,080,000 | 1,212 |
| Average equity | $55,146,670 | 1,420 |
| Average total loans | $431,635,670 | 1,180 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 2,607 |
| Cost of funding earning assets | 0.3208% | 4,193 |
| Net interest margin | 3.9568% | 1,852 |
| Noninterest income to average assets | 1.0434% | 836 |
| Noninterest expense to average assets | 2.3690% | 4,022 |
| Loan and lease loss provision to assets | 0.2171% | 734 |
| Net operating income to assets | 1.7373% | 629 |
| Return on assets (ROA) | 1.7373% | 641 |
| Pretax return on assets | 2.2835% | 332 |
| Return on Equity (ROE) | 18.0117% | 410 |
| Retained earnings to average equity (ytd only) | 1.3140% | 4,539 |
| Net charge-offs to loans | 0.2474% | 622 |
| Credit loss provision to net charge-offs | 116.1049% | 1,410 |
| Earnings coverage of net charge-offs (x) | 13.3745% | 1,758 |
| Efficiency ratio | 48.6483% | 5,166 |
| Assets per employee ($millions) | 5.9397% | 1,563 |
| Cash dividends to net income (ytd only)* | 92.7046% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6974% | 951 |
| Loan loss allowance to noncurrent loans | 413.9943% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 3,252 |
| Noncurrent loans to loans | 0.4100% | 3,309 |
| Net loans and leases to total assets | 73.4505% | 1,957 |
| Net loans and leases to deposits | 85.3503% | 2,254 |
| Net loans and leases to core deposits | 88.7625% | 2,567 |
| Total domestic deposits to total assets | 86.0577% | 2,523 |
| Equity capital to assets | 9.5642% | 4,029 |
| Core capital (leverage) ratio | 9.7710% | 3,784 |
| Tier 1 risk-based capital ratio | 11.9085% | 4,598 |
| Total risk-based capital ratio | 13.1627% | 4,496 |
| Memoranda: | ||
| Average total assets | $571,220,500 | 1,267 |
| Average earning assets | $552,367,500 | 1,225 |
| Average equity | $55,097,500 | 1,425 |
| Average total loans | $431,729,000 | 1,188 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 2,700 |
| Cost of funding earning assets | 0.2867% | 4,260 |
| Net interest margin | 3.9090% | 2,060 |
| Noninterest income to average assets | 1.1568% | 765 |
| Noninterest expense to average assets | 2.4477% | 3,944 |
| Loan and lease loss provision to assets | 0.2663% | 677 |
| Net operating income to assets | 1.2981% | 1,225 |
| Return on assets (ROA) | 1.3002% | 1,236 |
| Pretax return on assets | 2.2211% | 308 |
| Return on Equity (ROE) | 13.7612% | 798 |
| Retained earnings to average equity (ytd only) | 9.1128% | 489 |
| Net charge-offs to loans | 0.3492% | 732 |
| Credit loss provision to net charge-offs | 100.1983% | 2,554 |
| Earnings coverage of net charge-offs (x) | 9.3463% | 2,801 |
| Efficiency ratio | 49.6296% | 5,237 |
| Assets per employee ($millions) | 5.8381% | 1,629 |
| Cash dividends to net income (ytd only)* | 33.7792% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 983 |
| Loan loss allowance to noncurrent loans | 511.9098% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,481 |
| Noncurrent loans to loans | 0.3277% | 3,599 |
| Net loans and leases to total assets | 75.1737% | 1,726 |
| Net loans and leases to deposits | 87.1798% | 2,109 |
| Net loans and leases to core deposits | 90.6733% | 2,492 |
| Total domestic deposits to total assets | 86.2284% | 2,337 |
| Equity capital to assets | 9.7283% | 3,996 |
| Core capital (leverage) ratio | 9.6446% | 3,871 |
| Tier 1 risk-based capital ratio | 12.0158% | 4,516 |
| Total risk-based capital ratio | 13.2702% | 4,399 |
| Memoranda: | ||
| Average total assets | $569,234,400 | 1,251 |
| Average earning assets | $549,729,600 | 1,208 |
| Average equity | $53,781,600 | 1,427 |
| Average total loans | $433,251,400 | 1,157 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1465% | 2,807 |
| Cost of funding earning assets | 0.2780% | 4,340 |
| Net interest margin | 3.8685% | 2,154 |
| Noninterest income to average assets | 1.1154% | 819 |
| Noninterest expense to average assets | 2.4536% | 3,876 |
| Loan and lease loss provision to assets | 0.1694% | 1,193 |
| Net operating income to assets | 1.4278% | 1,029 |
| Return on assets (ROA) | 1.4305% | 1,044 |
| Pretax return on assets | 2.2330% | 334 |
| Return on Equity (ROE) | 15.2525% | 624 |
| Retained earnings to average equity (ytd only) | 15.2525% | 112 |
| Net charge-offs to loans | 0.2314% | 932 |
| Credit loss provision to net charge-offs | 96.2766% | 2,368 |
| Earnings coverage of net charge-offs (x) | 13.6330% | 2,341 |
| Efficiency ratio | 50.5713% | 5,210 |
| Assets per employee ($millions) | 5.7616% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 1,085 |
| Loan loss allowance to noncurrent loans | 667.2509% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 3,782 |
| Noncurrent loans to loans | 0.2507% | 4,058 |
| Net loans and leases to total assets | 73.7950% | 1,946 |
| Net loans and leases to deposits | 85.1546% | 2,416 |
| Net loans and leases to core deposits | 88.4729% | 2,725 |
| Total domestic deposits to total assets | 86.6601% | 2,015 |
| Equity capital to assets | 9.8084% | 4,137 |
| Core capital (leverage) ratio | 9.8627% | 3,740 |
| Tier 1 risk-based capital ratio | 12.4918% | 4,318 |
| Total risk-based capital ratio | 13.7466% | 4,235 |
| Memoranda: | ||
| Average total assets | $569,969,500 | 1,263 |
| Average earning assets | $550,521,500 | 1,214 |
| Average equity | $53,454,250 | 1,449 |
| Average total loans | $433,322,250 | 1,166 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 2,801 |
| Cost of funding earning assets | 0.2677% | 4,393 |
| Net interest margin | 3.8407% | 2,125 |
| Noninterest income to average assets | 1.0889% | 844 |
| Noninterest expense to average assets | 2.4360% | 3,951 |
| Loan and lease loss provision to assets | 0.1430% | 1,428 |
| Net operating income to assets | 1.4235% | 1,010 |
| Return on assets (ROA) | 1.4235% | 1,034 |
| Pretax return on assets | 2.2187% | 342 |
| Return on Equity (ROE) | 15.4172% | 607 |
| Retained earnings to average equity (ytd only) | 15.4172% | 123 |
| Net charge-offs to loans | 0.1854% | 1,069 |
| Credit loss provision to net charge-offs | 100.9950% | 1,993 |
| Earnings coverage of net charge-offs (x) | 16.6816% | 1,967 |
| Efficiency ratio | 50.7744% | 5,256 |
| Assets per employee ($millions) | 5.6856% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 1,111 |
| Loan loss allowance to noncurrent loans | 535.7670% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 3,642 |
| Noncurrent loans to loans | 0.3119% | 3,923 |
| Net loans and leases to total assets | 74.4458% | 1,787 |
| Net loans and leases to deposits | 86.5800% | 2,156 |
| Net loans and leases to core deposits | 89.7252% | 2,550 |
| Total domestic deposits to total assets | 85.9850% | 2,381 |
| Equity capital to assets | 9.4878% | 4,412 |
| Core capital (leverage) ratio | 9.4728% | 4,157 |
| Tier 1 risk-based capital ratio | 11.9622% | 4,657 |
| Total risk-based capital ratio | 13.2169% | 4,542 |
| Memoranda: | ||
| Average total assets | $567,906,670 | 1,271 |
| Average earning assets | $548,393,330 | 1,218 |
| Average equity | $52,435,000 | 1,478 |
| Average total loans | $433,626,670 | 1,172 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 2,709 |
| Cost of funding earning assets | 0.2607% | 4,448 |
| Net interest margin | 3.8227% | 2,037 |
| Noninterest income to average assets | 1.0369% | 937 |
| Noninterest expense to average assets | 2.4224% | 4,050 |
| Loan and lease loss provision to assets | 0.2196% | 726 |
| Net operating income to assets | 1.3387% | 1,143 |
| Return on assets (ROA) | 1.3387% | 1,177 |
| Pretax return on assets | 2.0824% | 427 |
| Return on Equity (ROE) | 14.7050% | 687 |
| Retained earnings to average equity (ytd only) | 14.7050% | 251 |
| Net charge-offs to loans | 0.1977% | 873 |
| Credit loss provision to net charge-offs | 144.8598% | 1,239 |
| Earnings coverage of net charge-offs (x) | 15.1869% | 1,687 |
| Efficiency ratio | 51.2744% | 5,307 |
| Assets per employee ($millions) | 5.8234% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 1,119 |
| Loan loss allowance to noncurrent loans | 545.3669% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 3,662 |
| Noncurrent loans to loans | 0.3138% | 3,999 |
| Net loans and leases to total assets | 73.2896% | 1,857 |
| Net loans and leases to deposits | 85.6624% | 2,067 |
| Net loans and leases to core deposits | 88.9320% | 2,459 |
| Total domestic deposits to total assets | 85.5563% | 2,859 |
| Equity capital to assets | 9.0841% | 4,727 |
| Core capital (leverage) ratio | 9.4101% | 4,223 |
| Tier 1 risk-based capital ratio | 11.4936% | 5,033 |
| Total risk-based capital ratio | 12.7485% | 4,934 |
| Memoranda: | ||
| Average total assets | $564,738,500 | 1,276 |
| Average earning assets | $544,749,000 | 1,223 |
| Average equity | $51,411,000 | 1,504 |
| Average total loans | $433,057,500 | 1,175 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2598% | 2,276 |
| Cost of funding earning assets | 0.2101% | 4,923 |
| Net interest margin | 4.0496% | 1,496 |
| Noninterest income to average assets | 1.2855% | 687 |
| Noninterest expense to average assets | 2.6075% | 3,655 |
| Loan and lease loss provision to assets | 0.2845% | 692 |
| Net operating income to assets | 1.4995% | 830 |
| Return on assets (ROA) | 1.5000% | 849 |
| Pretax return on assets | 2.3011% | 274 |
| Return on Equity (ROE) | 17.1611% | 392 |
| Retained earnings to average equity (ytd only) | 17.1611% | 71 |
| Net charge-offs to loans | 0.3450% | 792 |
| Credit loss provision to net charge-offs | 104.0301% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.4508% | 2,752 |
| Efficiency ratio | 50.2177% | 5,477 |
| Assets per employee ($millions) | 5.5855% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 1,225 |
| Loan loss allowance to noncurrent loans | 456.9541% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 3,432 |
| Noncurrent loans to loans | 0.3643% | 3,818 |
| Net loans and leases to total assets | 77.5770% | 1,276 |
| Net loans and leases to deposits | 88.6407% | 1,852 |
| Net loans and leases to core deposits | 91.0593% | 2,397 |
| Total domestic deposits to total assets | 87.5185% | 1,866 |
| Equity capital to assets | 9.1237% | 4,678 |
| Core capital (leverage) ratio | 9.1166% | 4,596 |
| Tier 1 risk-based capital ratio | 10.6768% | 5,497 |
| Total risk-based capital ratio | 11.9307% | 5,412 |
| Memoranda: | ||
| Average total assets | $535,262,200 | 1,291 |
| Average earning assets | $516,391,400 | 1,246 |
| Average equity | $46,786,000 | 1,615 |
| Average total loans | $424,380,400 | 1,155 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 2,334 |
| Cost of funding earning assets | 0.2064% | 5,002 |
| Net interest margin | 4.0442% | 1,544 |
| Noninterest income to average assets | 1.2769% | 713 |
| Noninterest expense to average assets | 2.6647% | 3,448 |
| Loan and lease loss provision to assets | 0.1916% | 1,132 |
| Net operating income to assets | 1.5214% | 843 |
| Return on assets (ROA) | 1.5221% | 892 |
| Pretax return on assets | 2.3241% | 304 |
| Return on Equity (ROE) | 17.6147% | 385 |
| Retained earnings to average equity (ytd only) | 17.6147% | 82 |
| Net charge-offs to loans | 0.2936% | 782 |
| Credit loss provision to net charge-offs | 82.2198% | 2,635 |
| Earnings coverage of net charge-offs (x) | 10.7888% | 2,545 |
| Efficiency ratio | 51.4476% | 5,414 |
| Assets per employee ($millions) | 5.3904% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 1,386 |
| Loan loss allowance to noncurrent loans | 378.1300% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 3,548 |
| Noncurrent loans to loans | 0.4308% | 3,738 |
| Net loans and leases to total assets | 78.8295% | 1,064 |
| Net loans and leases to deposits | 90.2613% | 1,718 |
| Net loans and leases to core deposits | 93.1055% | 2,267 |
| Total domestic deposits to total assets | 87.3348% | 1,743 |
| Equity capital to assets | 9.0637% | 5,114 |
| Core capital (leverage) ratio | 9.0067% | 4,823 |
| Tier 1 risk-based capital ratio | 10.3856% | 5,666 |
| Total risk-based capital ratio | 11.6391% | 5,592 |
| Memoranda: | ||
| Average total assets | $530,836,750 | 1,306 |
| Average earning assets | $512,232,500 | 1,256 |
| Average equity | $45,869,750 | 1,653 |
| Average total loans | $421,417,000 | 1,159 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 2,318 |
| Cost of funding earning assets | 0.2046% | 5,098 |
| Net interest margin | 4.0499% | 1,505 |
| Noninterest income to average assets | 1.2990% | 681 |
| Noninterest expense to average assets | 2.6715% | 3,482 |
| Loan and lease loss provision to assets | 0.1769% | 1,239 |
| Net operating income to assets | 1.5580% | 791 |
| Return on assets (ROA) | 1.5580% | 835 |
| Pretax return on assets | 2.3564% | 278 |
| Return on Equity (ROE) | 18.3358% | 337 |
| Retained earnings to average equity (ytd only) | 18.3358% | 77 |
| Net charge-offs to loans | 0.2680% | 891 |
| Credit loss provision to net charge-offs | 83.3929% | 2,328 |
| Earnings coverage of net charge-offs (x) | 11.9446% | 2,220 |
| Efficiency ratio | 51.3279% | 5,486 |
| Assets per employee ($millions) | 5.1829% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 1,325 |
| Loan loss allowance to noncurrent loans | 354.7405% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 3,521 |
| Noncurrent loans to loans | 0.4727% | 3,667 |
| Net loans and leases to total assets | 78.0778% | 1,193 |
| Net loans and leases to deposits | 89.7784% | 1,781 |
| Net loans and leases to core deposits | 92.0148% | 2,349 |
| Total domestic deposits to total assets | 86.9673% | 1,933 |
| Equity capital to assets | 8.8093% | 5,395 |
| Core capital (leverage) ratio | 8.6878% | 5,181 |
| Tier 1 risk-based capital ratio | 10.0994% | 5,820 |
| Total risk-based capital ratio | 11.3534% | 5,759 |
| Memoranda: | ||
| Average total assets | $528,101,330 | 1,315 |
| Average earning assets | $509,294,000 | 1,264 |
| Average equity | $44,874,000 | 1,682 |
| Average total loans | $417,902,000 | 1,164 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 2,346 |
| Cost of funding earning assets | 0.2031% | 5,175 |
| Net interest margin | 4.0318% | 1,527 |
| Noninterest income to average assets | 1.1850% | 782 |
| Noninterest expense to average assets | 2.5741% | 3,827 |
| Loan and lease loss provision to assets | 0.1759% | 1,159 |
| Net operating income to assets | 1.5003% | 849 |
| Return on assets (ROA) | 1.5003% | 892 |
| Pretax return on assets | 2.3197% | 308 |
| Return on Equity (ROE) | 17.9919% | 352 |
| Retained earnings to average equity (ytd only) | 17.9919% | 128 |
| Net charge-offs to loans | 0.1350% | 1,296 |
| Credit loss provision to net charge-offs | 165.0000% | 1,217 |
| Earnings coverage of net charge-offs (x) | 23.4071% | 1,367 |
| Efficiency ratio | 50.7736% | 5,581 |
| Assets per employee ($millions) | 5.3276% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 1,242 |
| Loan loss allowance to noncurrent loans | 388.9600% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 3,741 |
| Noncurrent loans to loans | 0.4506% | 3,828 |
| Net loans and leases to total assets | 76.7387% | 1,289 |
| Net loans and leases to deposits | 88.9495% | 1,709 |
| Net loans and leases to core deposits | 91.1875% | 2,258 |
| Total domestic deposits to total assets | 86.2721% | 2,555 |
| Equity capital to assets | 8.4142% | 5,625 |
| Core capital (leverage) ratio | 8.5433% | 5,351 |
| Tier 1 risk-based capital ratio | 9.7689% | 5,961 |
| Total risk-based capital ratio | 11.0237% | 5,930 |
| Memoranda: | ||
| Average total assets | $525,235,000 | 1,326 |
| Average earning assets | $506,076,500 | 1,275 |
| Average equity | $43,797,500 | 1,706 |
| Average total loans | $414,895,500 | 1,171 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 2,044 |
| Cost of funding earning assets | 0.2100% | 5,191 |
| Net interest margin | 4.1442% | 1,293 |
| Noninterest income to average assets | 1.3089% | 708 |
| Noninterest expense to average assets | 2.7009% | 3,576 |
| Loan and lease loss provision to assets | 0.2163% | 958 |
| Net operating income to assets | 1.5476% | 787 |
| Return on assets (ROA) | 1.5480% | 813 |
| Pretax return on assets | 2.3760% | 255 |
| Return on Equity (ROE) | 18.9708% | 313 |
| Retained earnings to average equity (ytd only) | 5.6179% | 2,004 |
| Net charge-offs to loans | 0.3229% | 928 |
| Credit loss provision to net charge-offs | 84.0647% | 2,881 |
| Earnings coverage of net charge-offs (x) | 10.0716% | 2,739 |
| Efficiency ratio | 51.0312% | 5,704 |
| Assets per employee ($millions) | 5.1772% | 2,145 |
| Cash dividends to net income (ytd only)* | 70.3865% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 1,263 |
| Loan loss allowance to noncurrent loans | 405.5180% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 3,793 |
| Noncurrent loans to loans | 0.4293% | 3,920 |
| Net loans and leases to total assets | 78.5117% | 1,054 |
| Net loans and leases to deposits | 89.1408% | 1,728 |
| Net loans and leases to core deposits | 91.4379% | 2,278 |
| Total domestic deposits to total assets | 88.0761% | 1,587 |
| Equity capital to assets | 8.2609% | 5,733 |
| Core capital (leverage) ratio | 8.2084% | 5,692 |
| Tier 1 risk-based capital ratio | 9.3610% | 6,066 |
| Total risk-based capital ratio | 10.6156% | 6,053 |
| Memoranda: | ||
| Average total assets | $504,790,000 | 1,332 |
| Average earning assets | $485,255,200 | 1,285 |
| Average equity | $41,189,600 | 1,756 |
| Average total loans | $402,301,200 | 1,149 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,147 |
| Cost of funding earning assets | 0.2102% | 5,290 |
| Net interest margin | 4.1168% | 1,369 |
| Noninterest income to average assets | 1.2749% | 732 |
| Noninterest expense to average assets | 2.6902% | 3,594 |
| Loan and lease loss provision to assets | 0.1805% | 1,154 |
| Net operating income to assets | 1.5384% | 867 |
| Return on assets (ROA) | 1.5389% | 903 |
| Pretax return on assets | 2.3627% | 308 |
| Return on Equity (ROE) | 18.9201% | 338 |
| Retained earnings to average equity (ytd only) | 0.9445% | 5,335 |
| Net charge-offs to loans | 0.1889% | 1,350 |
| Credit loss provision to net charge-offs | 119.9647% | 1,988 |
| Earnings coverage of net charge-offs (x) | 16.8975% | 2,083 |
| Efficiency ratio | 51.4123% | 5,685 |
| Assets per employee ($millions) | 5.0210% | 2,278 |
| Cash dividends to net income (ytd only)* | 95.0078% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 1,204 |
| Loan loss allowance to noncurrent loans | 200.0532% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 2,745 |
| Noncurrent loans to loans | 0.9147% | 2,691 |
| Net loans and leases to total assets | 79.5756% | 871 |
| Net loans and leases to deposits | 89.5951% | 1,701 |
| Net loans and leases to core deposits | 91.8463% | 2,279 |
| Total domestic deposits to total assets | 88.8170% | 1,119 |
| Equity capital to assets | 8.0694% | 5,935 |
| Core capital (leverage) ratio | 7.9036% | 5,945 |
| Tier 1 risk-based capital ratio | 8.9963% | 6,191 |
| Total risk-based capital ratio | 10.2519% | 6,181 |
| Memoranda: | ||
| Average total assets | $501,558,750 | 1,342 |
| Average earning assets | $482,178,000 | 1,294 |
| Average equity | $40,795,000 | 1,784 |
| Average total loans | $399,459,250 | 1,157 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 2,115 |
| Cost of funding earning assets | 0.2086% | 5,371 |
| Net interest margin | 4.1084% | 1,332 |
| Noninterest income to average assets | 1.2199% | 816 |
| Noninterest expense to average assets | 2.6532% | 3,738 |
| Loan and lease loss provision to assets | 0.1577% | 1,348 |
| Net operating income to assets | 1.5317% | 854 |
| Return on assets (ROA) | 1.5325% | 894 |
| Pretax return on assets | 2.3586% | 306 |
| Return on Equity (ROE) | 18.7914% | 350 |
| Retained earnings to average equity (ytd only) | 0.6331% | 5,308 |
| Net charge-offs to loans | 0.1340% | 1,695 |
| Credit loss provision to net charge-offs | 148.6792% | 1,545 |
| Earnings coverage of net charge-offs (x) | 23.7132% | 1,599 |
| Efficiency ratio | 51.3359% | 5,768 |
| Assets per employee ($millions) | 5.1489% | 2,098 |
| Cash dividends to net income (ytd only)* | 96.6310% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 1,253 |
| Loan loss allowance to noncurrent loans | 503.5404% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 4,279 |
| Noncurrent loans to loans | 0.3686% | 4,385 |
| Net loans and leases to total assets | 78.1869% | 1,047 |
| Net loans and leases to deposits | 89.4294% | 1,666 |
| Net loans and leases to core deposits | 91.8659% | 2,173 |
| Total domestic deposits to total assets | 87.4287% | 1,943 |
| Equity capital to assets | 7.9841% | 5,992 |
| Core capital (leverage) ratio | 7.8930% | 5,980 |
| Tier 1 risk-based capital ratio | 9.0356% | 6,253 |
| Total risk-based capital ratio | 10.2915% | 6,231 |
| Memoranda: | ||
| Average total assets | $499,703,330 | 1,356 |
| Average earning assets | $480,236,670 | 1,308 |
| Average equity | $40,752,670 | 1,792 |
| Average total loans | $395,589,000 | 1,167 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 2,105 |
| Cost of funding earning assets | 0.2079% | 5,434 |
| Net interest margin | 4.0908% | 1,302 |
| Noninterest income to average assets | 1.1765% | 825 |
| Noninterest expense to average assets | 2.6174% | 3,871 |
| Loan and lease loss provision to assets | 0.1625% | 1,241 |
| Net operating income to assets | 1.5151% | 820 |
| Return on assets (ROA) | 1.5161% | 867 |
| Pretax return on assets | 2.3288% | 309 |
| Return on Equity (ROE) | 18.3914% | 361 |
| Retained earnings to average equity (ytd only) | 0.7357% | 5,159 |
| Net charge-offs to loans | 0.1394% | 1,410 |
| Credit loss provision to net charge-offs | 147.7941% | 1,261 |
| Earnings coverage of net charge-offs (x) | 22.6397% | 1,345 |
| Efficiency ratio | 51.2508% | 5,847 |
| Assets per employee ($millions) | 5.2301% | 2,074 |
| Cash dividends to net income (ytd only)* | 96.0000% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 1,294 |
| Loan loss allowance to noncurrent loans | 478.1190% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 4,197 |
| Noncurrent loans to loans | 0.3965% | 4,399 |
| Net loans and leases to total assets | 77.0147% | 1,055 |
| Net loans and leases to deposits | 88.8772% | 1,524 |
| Net loans and leases to core deposits | 91.4152% | 1,993 |
| Total domestic deposits to total assets | 86.6529% | 2,573 |
| Equity capital to assets | 8.1331% | 5,973 |
| Core capital (leverage) ratio | 8.0993% | 5,882 |
| Tier 1 risk-based capital ratio | 9.2653% | 6,293 |
| Total risk-based capital ratio | 10.5216% | 6,286 |
| Memoranda: | ||
| Average total assets | $494,685,000 | 1,375 |
| Average earning assets | $475,315,000 | 1,324 |
| Average equity | $40,780,000 | 1,799 |
| Average total loans | $390,339,500 | 1,175 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,481 |
| Cost of funding earning assets | 0.2291% | 5,533 |
| Net interest margin | 4.1049% | 1,565 |
| Noninterest income to average assets | 1.2784% | 743 |
| Noninterest expense to average assets | 2.5737% | 4,313 |
| Loan and lease loss provision to assets | 0.2051% | 1,226 |
| Net operating income to assets | 1.5902% | 720 |
| Return on assets (ROA) | 1.6025% | 736 |
| Pretax return on assets | 2.4567% | 208 |
| Return on Equity (ROE) | 19.4838% | 279 |
| Retained earnings to average equity (ytd only) | 0.0982% | 5,724 |
| Net charge-offs to loans | 0.2675% | 1,615 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 12.8878% | 2,332 |
| Efficiency ratio | 49.3384% | 6,123 |
| Assets per employee ($millions) | 4.9723% | 2,355 |
| Cash dividends to net income (ytd only)* | 99.4962% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 1,280 |
| Loan loss allowance to noncurrent loans | 417.8793% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 4,171 |
| Noncurrent loans to loans | 0.4587% | 4,275 |
| Net loans and leases to total assets | 77.8021% | 1,026 |
| Net loans and leases to deposits | 87.5773% | 1,782 |
| Net loans and leases to core deposits | 89.8807% | 2,297 |
| Total domestic deposits to total assets | 88.8381% | 1,329 |
| Equity capital to assets | 8.3575% | 5,857 |
| Core capital (leverage) ratio | 8.0378% | 5,979 |
| Tier 1 risk-based capital ratio | 9.8523% | 6,299 |
| Total risk-based capital ratio | 11.1097% | 6,253 |
| Memoranda: | ||
| Average total assets | $495,465,400 | 1,343 |
| Average earning assets | $475,335,600 | 1,285 |
| Average equity | $40,751,800 | 1,752 |
| Average total loans | $379,834,000 | 1,165 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 2,634 |
| Cost of funding earning assets | 0.2322% | 5,576 |
| Net interest margin | 4.0679% | 1,670 |
| Noninterest income to average assets | 1.2526% | 774 |
| Noninterest expense to average assets | 2.5339% | 4,417 |
| Loan and lease loss provision to assets | 0.2294% | 972 |
| Net operating income to assets | 1.5600% | 827 |
| Return on assets (ROA) | 1.5758% | 823 |
| Pretax return on assets | 2.4154% | 247 |
| Return on Equity (ROE) | 19.2348% | 328 |
| Retained earnings to average equity (ytd only) | 0.2617% | 5,730 |
| Net charge-offs to loans | 0.1876% | 1,966 |
| Credit loss provision to net charge-offs | 160.9023% | 1,506 |
| Earnings coverage of net charge-offs (x) | 18.3796% | 1,844 |
| Efficiency ratio | 49.1603% | 6,137 |
| Assets per employee ($millions) | 5.2018% | 2,014 |
| Cash dividends to net income (ytd only)* | 98.6395% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 1,216 |
| Loan loss allowance to noncurrent loans | 444.1700% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 4,393 |
| Noncurrent loans to loans | 0.4557% | 4,535 |
| Net loans and leases to total assets | 74.9505% | 1,371 |
| Net loans and leases to deposits | 85.9647% | 1,906 |
| Net loans and leases to core deposits | 88.6444% | 2,360 |
| Total domestic deposits to total assets | 87.1876% | 2,208 |
| Equity capital to assets | 8.1684% | 6,030 |
| Core capital (leverage) ratio | 7.9576% | 6,098 |
| Tier 1 risk-based capital ratio | 9.8039% | 6,385 |
| Total risk-based capital ratio | 11.0623% | 6,356 |
| Memoranda: | ||
| Average total assets | $497,510,750 | 1,352 |
| Average earning assets | $477,185,500 | 1,296 |
| Average equity | $40,758,500 | 1,759 |
| Average total loans | $378,161,000 | 1,181 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 2,607 |
| Cost of funding earning assets | 0.2334% | 5,639 |
| Net interest margin | 4.0575% | 1,641 |
| Noninterest income to average assets | 1.2333% | 771 |
| Noninterest expense to average assets | 2.5418% | 4,450 |
| Loan and lease loss provision to assets | 0.1944% | 1,259 |
| Net operating income to assets | 1.5592% | 778 |
| Return on assets (ROA) | 1.5830% | 769 |
| Pretax return on assets | 2.4239% | 247 |
| Return on Equity (ROE) | 19.3042% | 335 |
| Retained earnings to average equity (ytd only) | 0.6528% | 5,473 |
| Net charge-offs to loans | 0.1958% | 1,849 |
| Credit loss provision to net charge-offs | 130.8943% | 1,600 |
| Earnings coverage of net charge-offs (x) | 17.3821% | 1,740 |
| Efficiency ratio | 49.6111% | 6,193 |
| Assets per employee ($millions) | 5.0317% | 2,172 |
| Cash dividends to net income (ytd only)* | 96.6184% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9798% | 1,400 |
| Loan loss allowance to noncurrent loans | 452.1034% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 4,453 |
| Noncurrent loans to loans | 0.4379% | 4,674 |
| Net loans and leases to total assets | 74.0229% | 1,442 |
| Net loans and leases to deposits | 85.7466% | 1,845 |
| Net loans and leases to core deposits | 88.0950% | 2,306 |
| Total domestic deposits to total assets | 86.3275% | 2,858 |
| Equity capital to assets | 8.1300% | 6,079 |
| Core capital (leverage) ratio | 7.9959% | 6,104 |
| Tier 1 risk-based capital ratio | 9.8420% | 6,440 |
| Total risk-based capital ratio | 11.0996% | 6,409 |
| Memoranda: | ||
| Average total assets | $496,889,000 | 1,350 |
| Average earning assets | $476,399,670 | 1,291 |
| Average equity | $40,747,670 | 1,753 |
| Average total loans | $376,875,330 | 1,174 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,600 |
| Cost of funding earning assets | 0.2375% | 5,693 |
| Net interest margin | 4.0402% | 1,628 |
| Noninterest income to average assets | 1.1601% | 825 |
| Noninterest expense to average assets | 2.4814% | 4,681 |
| Loan and lease loss provision to assets | 0.1661% | 1,457 |
| Net operating income to assets | 1.5609% | 718 |
| Return on assets (ROA) | 1.5636% | 747 |
| Pretax return on assets | 2.3891% | 267 |
| Return on Equity (ROE) | 18.9832% | 365 |
| Retained earnings to average equity (ytd only) | 0.2951% | 5,454 |
| Net charge-offs to loans | 0.2174% | 1,455 |
| Credit loss provision to net charge-offs | 100.4902% | 1,646 |
| Earnings coverage of net charge-offs (x) | 15.4363% | 1,547 |
| Efficiency ratio | 49.3078% | 6,299 |
| Assets per employee ($millions) | 5.3823% | 1,824 |
| Cash dividends to net income (ytd only)* | 98.4456% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 1,571 |
| Loan loss allowance to noncurrent loans | 373.2997% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 4,450 |
| Noncurrent loans to loans | 0.5283% | 4,588 |
| Net loans and leases to total assets | 73.5776% | 1,331 |
| Net loans and leases to deposits | 84.9846% | 1,728 |
| Net loans and leases to core deposits | 87.4586% | 2,150 |
| Total domestic deposits to total assets | 86.5776% | 3,059 |
| Equity capital to assets | 8.1402% | 5,949 |
| Core capital (leverage) ratio | 8.1636% | 5,981 |
| Tier 1 risk-based capital ratio | 9.9334% | 6,492 |
| Total risk-based capital ratio | 11.1912% | 6,466 |
| Memoranda: | ||
| Average total assets | $493,748,000 | 1,373 |
| Average earning assets | $473,241,000 | 1,306 |
| Average equity | $40,667,500 | 1,752 |
| Average total loans | $375,320,500 | 1,177 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 2,299 |
| Cost of funding earning assets | 0.3392% | 5,251 |
| Net interest margin | 4.1381% | 1,547 |
| Noninterest income to average assets | 1.5253% | 609 |
| Noninterest expense to average assets | 2.8867% | 3,410 |
| Loan and lease loss provision to assets | 0.2082% | 1,780 |
| Net operating income to assets | 1.5652% | 739 |
| Return on assets (ROA) | 1.6249% | 677 |
| Pretax return on assets | 2.4914% | 200 |
| Return on Equity (ROE) | 19.4154% | 314 |
| Retained earnings to average equity (ytd only) | 0.0146% | 5,847 |
| Net charge-offs to loans | 0.2917% | 2,232 |
| Credit loss provision to net charge-offs | 93.7843% | 2,657 |
| Earnings coverage of net charge-offs (x) | 11.7441% | 2,202 |
| Efficiency ratio | 52.5396% | 6,247 |
| Assets per employee ($millions) | 5.1802% | 1,977 |
| Cash dividends to net income (ytd only)* | 99.9251% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 1,610 |
| Loan loss allowance to noncurrent loans | 467.7399% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 4,736 |
| Noncurrent loans to loans | 0.4225% | 4,936 |
| Net loans and leases to total assets | 75.4764% | 1,153 |
| Net loans and leases to deposits | 86.0675% | 1,678 |
| Net loans and leases to core deposits | 88.5947% | 2,180 |
| Total domestic deposits to total assets | 87.6945% | 2,364 |
| Equity capital to assets | 8.3355% | 5,753 |
| Core capital (leverage) ratio | 8.0987% | 6,056 |
| Tier 1 risk-based capital ratio | 10.0537% | 6,506 |
| Total risk-based capital ratio | 11.3117% | 6,464 |
| Memoranda: | ||
| Average total assets | $492,702,400 | 1,350 |
| Average earning assets | $472,585,000 | 1,287 |
| Average equity | $41,235,400 | 1,697 |
| Average total loans | $375,102,800 | 1,130 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 2,290 |
| Cost of funding earning assets | 0.3662% | 5,134 |
| Net interest margin | 4.1185% | 1,579 |
| Noninterest income to average assets | 1.4956% | 658 |
| Noninterest expense to average assets | 2.6925% | 4,042 |
| Loan and lease loss provision to assets | 0.2752% | 1,268 |
| Net operating income to assets | 1.6110% | 735 |
| Return on assets (ROA) | 1.6904% | 663 |
| Pretax return on assets | 2.6011% | 218 |
| Return on Equity (ROE) | 20.1781% | 289 |
| Retained earnings to average equity (ytd only) | 0.8535% | 5,638 |
| Net charge-offs to loans | 0.1283% | 3,243 |
| Credit loss provision to net charge-offs | 282.5485% | 899 |
| Earnings coverage of net charge-offs (x) | 28.2743% | 1,287 |
| Efficiency ratio | 49.4353% | 6,428 |
| Assets per employee ($millions) | 5.0847% | 2,068 |
| Cash dividends to net income (ytd only)* | 95.7702% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1635% | 1,392 |
| Loan loss allowance to noncurrent loans | 318.1854% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 4,294 |
| Noncurrent loans to loans | 0.6800% | 4,501 |
| Net loans and leases to total assets | 74.5950% | 1,193 |
| Net loans and leases to deposits | 84.5567% | 1,807 |
| Net loans and leases to core deposits | 86.8432% | 2,302 |
| Total domestic deposits to total assets | 88.2189% | 1,982 |
| Equity capital to assets | 8.3013% | 5,913 |
| Core capital (leverage) ratio | 8.1463% | 6,112 |
| Tier 1 risk-based capital ratio | 10.0554% | 6,585 |
| Total risk-based capital ratio | 11.3156% | 6,549 |
| Memoranda: | ||
| Average total assets | $494,142,250 | 1,349 |
| Average earning assets | $474,044,250 | 1,295 |
| Average equity | $41,397,000 | 1,703 |
| Average total loans | $375,144,500 | 1,137 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 2,184 |
| Cost of funding earning assets | 0.3916% | 5,019 |
| Net interest margin | 4.1134% | 1,505 |
| Noninterest income to average assets | 1.5091% | 685 |
| Noninterest expense to average assets | 2.6708% | 4,140 |
| Loan and lease loss provision to assets | 0.3074% | 1,157 |
| Net operating income to assets | 1.6113% | 732 |
| Return on assets (ROA) | 1.7025% | 673 |
| Pretax return on assets | 2.6187% | 243 |
| Return on Equity (ROE) | 20.2607% | 285 |
| Retained earnings to average equity (ytd only) | 1.0061% | 5,501 |
| Net charge-offs to loans | 0.0960% | 3,399 |
| Credit loss provision to net charge-offs | 422.2222% | 637 |
| Earnings coverage of net charge-offs (x) | 38.2611% | 960 |
| Efficiency ratio | 48.9474% | 6,486 |
| Assets per employee ($millions) | 4.9121% | 2,210 |
| Cash dividends to net income (ytd only)* | 95.0344% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1116% | 1,607 |
| Loan loss allowance to noncurrent loans | 369.5872% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 4,621 |
| Noncurrent loans to loans | 0.5714% | 4,831 |
| Net loans and leases to total assets | 75.2827% | 1,071 |
| Net loans and leases to deposits | 86.0569% | 1,573 |
| Net loans and leases to core deposits | 88.7408% | 2,030 |
| Total domestic deposits to total assets | 87.4801% | 2,550 |
| Equity capital to assets | 8.2780% | 5,991 |
| Core capital (leverage) ratio | 8.0977% | 6,109 |
| Tier 1 risk-based capital ratio | 9.9346% | 6,647 |
| Total risk-based capital ratio | 11.1945% | 6,625 |
| Memoranda: | ||
| Average total assets | $494,451,670 | 1,348 |
| Average earning assets | $474,503,670 | 1,294 |
| Average equity | $41,548,330 | 1,706 |
| Average total loans | $374,843,000 | 1,135 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 2,091 |
| Cost of funding earning assets | 0.4115% | 4,994 |
| Net interest margin | 4.1101% | 1,428 |
| Noninterest income to average assets | 1.5307% | 656 |
| Noninterest expense to average assets | 2.5866% | 4,445 |
| Loan and lease loss provision to assets | 0.3266% | 1,032 |
| Net operating income to assets | 1.6661% | 632 |
| Return on assets (ROA) | 1.6661% | 695 |
| Pretax return on assets | 2.5591% | 251 |
| Return on Equity (ROE) | 19.6803% | 316 |
| Retained earnings to average equity (ytd only) | 0.5360% | 5,613 |
| Net charge-offs to loans | -0.0291% | 5,882 |
| Credit loss provision to net charge-offs | -1,492.5926% | 5,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2679% | 6,642 |
| Assets per employee ($millions) | 5.2095% | 1,970 |
| Cash dividends to net income (ytd only)* | 97.2763% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1323% | 1,726 |
| Loan loss allowance to noncurrent loans | 457.0520% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 5,054 |
| Noncurrent loans to loans | 0.4665% | 5,255 |
| Net loans and leases to total assets | 72.5657% | 1,274 |
| Net loans and leases to deposits | 83.7312% | 1,627 |
| Net loans and leases to core deposits | 86.6169% | 2,048 |
| Total domestic deposits to total assets | 86.6651% | 3,149 |
| Equity capital to assets | 8.3471% | 6,153 |
| Core capital (leverage) ratio | 8.1499% | 5,990 |
| Tier 1 risk-based capital ratio | 10.0573% | 6,680 |
| Total risk-based capital ratio | 11.3168% | 6,668 |
| Memoranda: | ||
| Average total assets | $493,616,500 | 1,368 |
| Average earning assets | $473,365,500 | 1,308 |
| Average equity | $41,788,000 | 1,717 |
| Average total loans | $371,489,000 | 1,147 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 2,443 |
| Cost of funding earning assets | 0.4949% | 5,253 |
| Net interest margin | 4.2400% | 1,544 |
| Noninterest income to average assets | 1.7473% | 536 |
| Noninterest expense to average assets | 2.5988% | 4,749 |
| Loan and lease loss provision to assets | 0.4614% | 1,361 |
| Net operating income to assets | 1.7846% | 526 |
| Return on assets (ROA) | 1.7853% | 587 |
| Pretax return on assets | 2.7367% | 185 |
| Return on Equity (ROE) | 20.9533% | 264 |
| Retained earnings to average equity (ytd only) | 0.0716% | 5,797 |
| Net charge-offs to loans | 0.5147% | 2,186 |
| Credit loss provision to net charge-offs | 124.4652% | 2,284 |
| Earnings coverage of net charge-offs (x) | 8.6248% | 2,377 |
| Efficiency ratio | 44.8393% | 6,821 |
| Assets per employee ($millions) | 4.9706% | 2,267 |
| Cash dividends to net income (ytd only)* | 99.6583% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0091% | 1,994 |
| Loan loss allowance to noncurrent loans | 378.9660% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 4,909 |
| Noncurrent loans to loans | 0.5301% | 5,207 |
| Net loans and leases to total assets | 74.8652% | 1,071 |
| Net loans and leases to deposits | 84.9045% | 1,647 |
| Net loans and leases to core deposits | 87.4858% | 2,147 |
| Total domestic deposits to total assets | 88.1758% | 2,114 |
| Equity capital to assets | 8.5874% | 5,975 |
| Core capital (leverage) ratio | 8.0679% | 6,124 |
| Tier 1 risk-based capital ratio | 10.1223% | 6,670 |
| Total risk-based capital ratio | 11.3808% | 6,636 |
| Memoranda: | ||
| Average total assets | $491,795,600 | 1,354 |
| Average earning assets | $469,596,800 | 1,299 |
| Average equity | $41,902,800 | 1,667 |
| Average total loans | $354,216,400 | 1,179 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 2,398 |
| Cost of funding earning assets | 0.5069% | 5,395 |
| Net interest margin | 4.2907% | 1,497 |
| Noninterest income to average assets | 1.4954% | 670 |
| Noninterest expense to average assets | 2.5743% | 4,828 |
| Loan and lease loss provision to assets | 0.3064% | 2,157 |
| Net operating income to assets | 1.7676% | 613 |
| Return on assets (ROA) | 1.7667% | 680 |
| Pretax return on assets | 2.7093% | 214 |
| Return on Equity (ROE) | 20.7752% | 291 |
| Retained earnings to average equity (ytd only) | 1.6920% | 5,485 |
| Net charge-offs to loans | 0.2985% | 2,946 |
| Credit loss provision to net charge-offs | 144.6999% | 1,974 |
| Earnings coverage of net charge-offs (x) | 14.2465% | 1,848 |
| Efficiency ratio | 46.0407% | 6,815 |
| Assets per employee ($millions) | 5.1609% | 1,982 |
| Cash dividends to net income (ytd only)* | 91.8554% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 2,137 |
| Loan loss allowance to noncurrent loans | 445.4436% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 5,218 |
| Noncurrent loans to loans | 0.4517% | 5,546 |
| Net loans and leases to total assets | 72.5547% | 1,460 |
| Net loans and leases to deposits | 82.5922% | 2,040 |
| Net loans and leases to core deposits | 85.1913% | 2,561 |
| Total domestic deposits to total assets | 87.8469% | 2,130 |
| Equity capital to assets | 8.5708% | 6,197 |
| Core capital (leverage) ratio | 8.2338% | 6,099 |
| Tier 1 risk-based capital ratio | 10.2546% | 6,738 |
| Total risk-based capital ratio | 11.5127% | 6,712 |
| Memoranda: | ||
| Average total assets | $492,965,000 | 1,366 |
| Average earning assets | $470,591,250 | 1,312 |
| Average equity | $41,920,750 | 1,677 |
| Average total loans | $349,730,750 | 1,202 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 2,552 |
| Cost of funding earning assets | 0.5173% | 5,504 |
| Net interest margin | 4.2717% | 1,540 |
| Noninterest income to average assets | 1.4622% | 680 |
| Noninterest expense to average assets | 2.5497% | 4,960 |
| Loan and lease loss provision to assets | 0.2849% | 2,299 |
| Net operating income to assets | 1.7638% | 600 |
| Return on assets (ROA) | 1.7625% | 676 |
| Pretax return on assets | 2.7029% | 220 |
| Return on Equity (ROE) | 20.7812% | 304 |
| Retained earnings to average equity (ytd only) | 1.6148% | 5,399 |
| Net charge-offs to loans | 0.2192% | 3,255 |
| Credit loss provision to net charge-offs | 185.9416% | 1,522 |
| Earnings coverage of net charge-offs (x) | 19.5146% | 1,435 |
| Efficiency ratio | 46.0274% | 6,882 |
| Assets per employee ($millions) | 4.8991% | 2,295 |
| Cash dividends to net income (ytd only)* | 92.2297% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0646% | 2,066 |
| Loan loss allowance to noncurrent loans | 419.8059% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 4,909 |
| Noncurrent loans to loans | 0.4918% | 5,547 |
| Net loans and leases to total assets | 71.9346% | 1,563 |
| Net loans and leases to deposits | 81.7100% | 2,151 |
| Net loans and leases to core deposits | 85.0907% | 2,549 |
| Total domestic deposits to total assets | 88.0365% | 2,117 |
| Equity capital to assets | 8.6685% | 6,059 |
| Core capital (leverage) ratio | 8.1130% | 6,149 |
| Tier 1 risk-based capital ratio | 10.4447% | 6,717 |
| Total risk-based capital ratio | 11.7032% | 6,695 |
| Memoranda: | ||
| Average total assets | $492,137,670 | 1,369 |
| Average earning assets | $469,744,000 | 1,318 |
| Average equity | $41,739,670 | 1,677 |
| Average total loans | $344,024,000 | 1,227 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7432% | 2,869 |
| Cost of funding earning assets | 0.5254% | 5,635 |
| Net interest margin | 4.2178% | 1,714 |
| Noninterest income to average assets | 1.5477% | 605 |
| Noninterest expense to average assets | 2.5346% | 5,045 |
| Loan and lease loss provision to assets | 0.2865% | 2,172 |
| Net operating income to assets | 1.7900% | 608 |
| Return on assets (ROA) | 1.7874% | 687 |
| Pretax return on assets | 2.7452% | 241 |
| Return on Equity (ROE) | 21.3042% | 302 |
| Retained earnings to average equity (ytd only) | 2.0679% | 5,235 |
| Net charge-offs to loans | 0.1503% | 3,193 |
| Credit loss provision to net charge-offs | 279.5276% | 1,047 |
| Earnings coverage of net charge-offs (x) | 29.6220% | 928 |
| Efficiency ratio | 45.5020% | 6,927 |
| Assets per employee ($millions) | 5.2900% | 1,898 |
| Cash dividends to net income (ytd only)* | 90.2935% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 2,070 |
| Loan loss allowance to noncurrent loans | 360.6061% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.8341% | 4,864 |
| Noncurrent loans to loans | 0.5861% | 5,494 |
| Net loans and leases to total assets | 66.9027% | 2,310 |
| Net loans and leases to deposits | 77.0416% | 2,669 |
| Net loans and leases to core deposits | 80.5488% | 3,003 |
| Total domestic deposits to total assets | 86.8398% | 3,047 |
| Equity capital to assets | 8.3160% | 6,261 |
| Core capital (leverage) ratio | 8.1068% | 6,149 |
| Tier 1 risk-based capital ratio | 10.5689% | 6,714 |
| Total risk-based capital ratio | 11.8281% | 6,699 |
| Memoranda: | ||
| Average total assets | $495,703,000 | 1,365 |
| Average earning assets | $472,763,500 | 1,317 |
| Average equity | $41,588,000 | 1,672 |
| Average total loans | $337,914,500 | 1,253 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 3,142 |
| Cost of funding earning assets | 0.6008% | 6,088 |
| Net interest margin | 4.3420% | 1,569 |
| Noninterest income to average assets | 1.3553% | 707 |
| Noninterest expense to average assets | 2.5953% | 5,114 |
| Loan and lease loss provision to assets | 0.3677% | 2,786 |
| Net operating income to assets | 1.6591% | 594 |
| Return on assets (ROA) | 1.6672% | 626 |
| Pretax return on assets | 2.5525% | 190 |
| Return on Equity (ROE) | 18.3819% | 357 |
| Retained earnings to average equity (ytd only) | -10.9966% | 6,729 |
| Net charge-offs to loans | 0.4385% | 3,247 |
| Credit loss provision to net charge-offs | 122.5410% | 2,580 |
| Earnings coverage of net charge-offs (x) | 9.6899% | 1,944 |
| Efficiency ratio | 47.1618% | 6,990 |
| Assets per employee ($millions) | 4.9379% | 2,293 |
| Cash dividends to net income (ytd only)* | 159.8230% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1155% | 1,960 |
| Loan loss allowance to noncurrent loans | 239.6387% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 4,874 |
| Noncurrent loans to loans | 0.8828% | 4,925 |
| Net loans and leases to total assets | 66.5471% | 2,676 |
| Net loans and leases to deposits | 75.8625% | 3,195 |
| Net loans and leases to core deposits | 79.8448% | 3,465 |
| Total domestic deposits to total assets | 87.7207% | 2,323 |
| Equity capital to assets | 8.4655% | 6,187 |
| Core capital (leverage) ratio | 8.0757% | 6,165 |
| Tier 1 risk-based capital ratio | 10.8741% | 6,525 |
| Total risk-based capital ratio | 12.1334% | 6,494 |
| Memoranda: | ||
| Average total assets | $487,877,200 | 1,370 |
| Average earning assets | $466,049,000 | 1,318 |
| Average equity | $44,250,000 | 1,531 |
| Average total loans | $333,894,000 | 1,272 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 3,381 |
| Cost of funding earning assets | 0.6145% | 6,217 |
| Net interest margin | 4.3267% | 1,619 |
| Noninterest income to average assets | 1.2520% | 825 |
| Noninterest expense to average assets | 2.6024% | 5,072 |
| Loan and lease loss provision to assets | 0.2967% | 3,150 |
| Net operating income to assets | 1.6232% | 748 |
| Return on assets (ROA) | 1.6342% | 799 |
| Pretax return on assets | 2.5015% | 249 |
| Return on Equity (ROE) | 17.7224% | 484 |
| Retained earnings to average equity (ytd only) | -7.4809% | 6,737 |
| Net charge-offs to loans | 0.2844% | 3,661 |
| Credit loss provision to net charge-offs | 152.1739% | 2,044 |
| Earnings coverage of net charge-offs (x) | 14.2665% | 1,547 |
| Efficiency ratio | 48.3393% | 6,939 |
| Assets per employee ($millions) | 5.2293% | 1,889 |
| Cash dividends to net income (ytd only)* | 142.2119% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0842% | 2,103 |
| Loan loss allowance to noncurrent loans | 243.5606% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 4,997 |
| Noncurrent loans to loans | 0.8557% | 5,156 |
| Net loans and leases to total assets | 66.8868% | 2,695 |
| Net loans and leases to deposits | 78.3698% | 2,906 |
| Net loans and leases to core deposits | 82.5957% | 3,243 |
| Total domestic deposits to total assets | 85.3476% | 3,584 |
| Equity capital to assets | 8.7573% | 6,025 |
| Core capital (leverage) ratio | 8.5641% | 5,607 |
| Tier 1 risk-based capital ratio | 11.4331% | 6,282 |
| Total risk-based capital ratio | 12.6918% | 6,270 |
| Memoranda: | ||
| Average total assets | $487,633,000 | 1,372 |
| Average earning assets | $465,653,000 | 1,317 |
| Average equity | $44,966,500 | 1,512 |
| Average total loans | $334,280,250 | 1,278 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 3,402 |
| Cost of funding earning assets | 0.6321% | 6,310 |
| Net interest margin | 4.3162% | 1,607 |
| Noninterest income to average assets | 1.2778% | 773 |
| Noninterest expense to average assets | 2.6043% | 5,165 |
| Loan and lease loss provision to assets | 0.3178% | 2,886 |
| Net operating income to assets | 1.6253% | 697 |
| Return on assets (ROA) | 1.6468% | 713 |
| Pretax return on assets | 2.5176% | 238 |
| Return on Equity (ROE) | 17.5563% | 506 |
| Retained earnings to average equity (ytd only) | -2.2440% | 6,281 |
| Net charge-offs to loans | 0.0944% | 4,733 |
| Credit loss provision to net charge-offs | 490.4459% | 630 |
| Earnings coverage of net charge-offs (x) | 43.2484% | 704 |
| Efficiency ratio | 48.1679% | 7,051 |
| Assets per employee ($millions) | 4.8605% | 2,319 |
| Cash dividends to net income (ytd only)* | 112.7820% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1624% | 1,995 |
| Loan loss allowance to noncurrent loans | 243.8813% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 5,061 |
| Noncurrent loans to loans | 0.8866% | 5,198 |
| Net loans and leases to total assets | 67.4106% | 2,733 |
| Net loans and leases to deposits | 78.4449% | 3,048 |
| Net loans and leases to core deposits | 83.3791% | 3,313 |
| Total domestic deposits to total assets | 85.9337% | 3,364 |
| Equity capital to assets | 9.2444% | 5,206 |
| Core capital (leverage) ratio | 8.9695% | 4,774 |
| Tier 1 risk-based capital ratio | 12.0022% | 5,786 |
| Total risk-based capital ratio | 13.2617% | 5,745 |
| Memoranda: | ||
| Average total assets | $484,581,670 | 1,388 |
| Average earning assets | $463,558,670 | 1,329 |
| Average equity | $45,453,670 | 1,483 |
| Average total loans | $332,587,670 | 1,305 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 3,267 |
| Cost of funding earning assets | 0.6414% | 6,420 |
| Net interest margin | 4.3239% | 1,492 |
| Noninterest income to average assets | 1.2330% | 836 |
| Noninterest expense to average assets | 2.5815% | 5,292 |
| Loan and lease loss provision to assets | 0.3789% | 2,294 |
| Net operating income to assets | 1.5670% | 745 |
| Return on assets (ROA) | 1.6102% | 718 |
| Pretax return on assets | 2.4785% | 254 |
| Return on Equity (ROE) | 17.0413% | 569 |
| Retained earnings to average equity (ytd only) | -0.5452% | 5,895 |
| Net charge-offs to loans | 0.1698% | 3,463 |
| Credit loss provision to net charge-offs | 325.7143% | 1,002 |
| Earnings coverage of net charge-offs (x) | 23.9929% | 1,002 |
| Efficiency ratio | 48.0513% | 7,112 |
| Assets per employee ($millions) | 4.9924% | 2,178 |
| Cash dividends to net income (ytd only)* | 103.1992% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1318% | 2,115 |
| Loan loss allowance to noncurrent loans | 277.4614% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 5,177 |
| Noncurrent loans to loans | 0.7683% | 5,490 |
| Net loans and leases to total assets | 65.8423% | 3,056 |
| Net loans and leases to deposits | 77.2817% | 3,194 |
| Net loans and leases to core deposits | 82.5451% | 3,374 |
| Total domestic deposits to total assets | 85.1978% | 3,948 |
| Equity capital to assets | 9.2881% | 4,747 |
| Core capital (leverage) ratio | 9.3269% | 4,085 |
| Tier 1 risk-based capital ratio | 12.3667% | 5,379 |
| Total risk-based capital ratio | 13.6256% | 5,356 |
| Memoranda: | ||
| Average total assets | $481,417,000 | 1,403 |
| Average earning assets | $460,876,000 | 1,340 |
| Average equity | $45,489,500 | 1,476 |
| Average total loans | $329,761,500 | 1,326 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 3,390 |
| Cost of funding earning assets | 0.7963% | 6,584 |
| Net interest margin | 4.4487% | 1,354 |
| Noninterest income to average assets | 1.4437% | 689 |
| Noninterest expense to average assets | 2.6451% | 5,240 |
| Loan and lease loss provision to assets | 0.4449% | 3,461 |
| Net operating income to assets | 1.6740% | 546 |
| Return on assets (ROA) | 1.6660% | 597 |
| Pretax return on assets | 2.5726% | 169 |
| Return on Equity (ROE) | 16.1154% | 572 |
| Retained earnings to average equity (ytd only) | -10.5315% | 6,688 |
| Net charge-offs to loans | 0.5457% | 3,426 |
| Credit loss provision to net charge-offs | 123.4455% | 3,362 |
| Earnings coverage of net charge-offs (x) | 8.4073% | 1,975 |
| Efficiency ratio | 46.6111% | 7,333 |
| Assets per employee ($millions) | 4.7358% | 2,512 |
| Cash dividends to net income (ytd only)* | 165.3504% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0283% | 2,230 |
| Loan loss allowance to noncurrent loans | 222.1081% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0427% | 4,917 |
| Noncurrent loans to loans | 0.9132% | 5,228 |
| Net loans and leases to total assets | 68.3451% | 2,897 |
| Net loans and leases to deposits | 79.6968% | 3,230 |
| Net loans and leases to core deposits | 84.6790% | 3,496 |
| Total domestic deposits to total assets | 85.7565% | 3,471 |
| Equity capital to assets | 9.6154% | 4,253 |
| Core capital (leverage) ratio | 9.1524% | 4,257 |
| Tier 1 risk-based capital ratio | 12.1566% | 5,331 |
| Total risk-based capital ratio | 13.4045% | 5,313 |
| Memoranda: | ||
| Average total assets | $486,443,000 | 1,373 |
| Average earning assets | $462,651,400 | 1,326 |
| Average equity | $50,287,400 | 1,328 |
| Average total loans | $321,235,400 | 1,396 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 3,708 |
| Cost of funding earning assets | 0.8236% | 6,673 |
| Net interest margin | 4.4006% | 1,523 |
| Noninterest income to average assets | 1.1924% | 983 |
| Noninterest expense to average assets | 2.6393% | 5,156 |
| Loan and lease loss provision to assets | 0.3619% | 3,724 |
| Net operating income to assets | 1.5414% | 845 |
| Return on assets (ROA) | 1.5308% | 945 |
| Pretax return on assets | 2.3548% | 298 |
| Return on Equity (ROE) | 14.5620% | 928 |
| Retained earnings to average equity (ytd only) | 0.5750% | 5,571 |
| Net charge-offs to loans | 0.3068% | 4,128 |
| Credit loss provision to net charge-offs | 181.0627% | 2,021 |
| Earnings coverage of net charge-offs (x) | 13.6744% | 1,567 |
| Efficiency ratio | 49.1282% | 7,200 |
| Assets per employee ($millions) | 4.8529% | 2,387 |
| Cash dividends to net income (ytd only)* | 96.0513% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 1,961 |
| Loan loss allowance to noncurrent loans | 155.4527% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 4,436 |
| Noncurrent loans to loans | 1.3618% | 4,587 |
| Net loans and leases to total assets | 66.2614% | 3,627 |
| Net loans and leases to deposits | 78.0170% | 3,824 |
| Net loans and leases to core deposits | 83.5559% | 4,011 |
| Total domestic deposits to total assets | 84.9320% | 3,648 |
| Equity capital to assets | 10.8328% | 3,134 |
| Core capital (leverage) ratio | 10.3802% | 2,822 |
| Tier 1 risk-based capital ratio | 13.7647% | 4,011 |
| Total risk-based capital ratio | 15.0130% | 3,968 |
| Memoranda: | ||
| Average total assets | $489,658,000 | 1,388 |
| Average earning assets | $465,105,000 | 1,332 |
| Average equity | $51,475,000 | 1,299 |
| Average total loans | $318,951,250 | 1,421 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 3,852 |
| Cost of funding earning assets | 0.8518% | 6,751 |
| Net interest margin | 4.3682% | 1,541 |
| Noninterest income to average assets | 1.1893% | 914 |
| Noninterest expense to average assets | 2.5957% | 5,343 |
| Loan and lease loss provision to assets | 0.3499% | 3,623 |
| Net operating income to assets | 1.5550% | 808 |
| Return on assets (ROA) | 1.5392% | 888 |
| Pretax return on assets | 2.3575% | 303 |
| Return on Equity (ROE) | 14.7879% | 891 |
| Retained earnings to average equity (ytd only) | -0.4212% | 5,827 |
| Net charge-offs to loans | 0.1408% | 4,825 |
| Credit loss provision to net charge-offs | 386.5471% | 939 |
| Earnings coverage of net charge-offs (x) | 30.1794% | 918 |
| Efficiency ratio | 48.7238% | 7,307 |
| Assets per employee ($millions) | 4.9260% | 2,270 |
| Cash dividends to net income (ytd only)* | 102.8481% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1534% | 1,856 |
| Loan loss allowance to noncurrent loans | 202.8990% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 5,033 |
| Noncurrent loans to loans | 1.0613% | 5,193 |
| Net loans and leases to total assets | 64.5585% | 4,148 |
| Net loans and leases to deposits | 76.2660% | 4,279 |
| Net loans and leases to core deposits | 81.5014% | 4,489 |
| Total domestic deposits to total assets | 84.6492% | 3,794 |
| Equity capital to assets | 10.5589% | 3,336 |
| Core capital (leverage) ratio | 10.1253% | 3,030 |
| Tier 1 risk-based capital ratio | 13.7028% | 3,939 |
| Total risk-based capital ratio | 14.9614% | 3,897 |
| Memoranda: | ||
| Average total assets | $492,730,330 | 1,385 |
| Average earning assets | $466,781,330 | 1,330 |
| Average equity | $51,285,000 | 1,300 |
| Average total loans | $316,857,670 | 1,452 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 3,959 |
| Cost of funding earning assets | 0.8774% | 6,852 |
| Net interest margin | 4.3337% | 1,582 |
| Noninterest income to average assets | 1.1856% | 865 |
| Noninterest expense to average assets | 2.4900% | 5,762 |
| Loan and lease loss provision to assets | 0.4079% | 2,920 |
| Net operating income to assets | 1.5324% | 842 |
| Return on assets (ROA) | 1.5329% | 907 |
| Pretax return on assets | 2.3737% | 310 |
| Return on Equity (ROE) | 14.8336% | 905 |
| Retained earnings to average equity (ytd only) | 0.7659% | 5,518 |
| Net charge-offs to loans | 0.1094% | 4,333 |
| Credit loss provision to net charge-offs | 587.2093% | 744 |
| Earnings coverage of net charge-offs (x) | 40.0349% | 684 |
| Efficiency ratio | 47.2418% | 7,488 |
| Assets per employee ($millions) | 5.0597% | 2,157 |
| Cash dividends to net income (ytd only)* | 94.8367% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 1,896 |
| Loan loss allowance to noncurrent loans | 194.1262% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 1.0998% | 4,951 |
| Noncurrent loans to loans | 1.0947% | 5,172 |
| Net loans and leases to total assets | 61.6855% | 4,819 |
| Net loans and leases to deposits | 72.7280% | 4,956 |
| Net loans and leases to core deposits | 78.4468% | 4,969 |
| Total domestic deposits to total assets | 84.8167% | 3,753 |
| Equity capital to assets | 10.2302% | 3,560 |
| Core capital (leverage) ratio | 10.3630% | 2,752 |
| Tier 1 risk-based capital ratio | 14.1786% | 3,541 |
| Total risk-based capital ratio | 15.4370% | 3,515 |
| Memoranda: | ||
| Average total assets | $495,258,500 | 1,405 |
| Average earning assets | $466,852,000 | 1,362 |
| Average equity | $51,181,000 | 1,309 |
| Average total loans | $314,404,500 | 1,499 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6190% | 3,504 |
| Cost of funding earning assets | 1.2814% | 6,372 |
| Net interest margin | 4.3376% | 1,608 |
| Noninterest income to average assets | 1.6172% | 554 |
| Noninterest expense to average assets | 2.7221% | 5,289 |
| Loan and lease loss provision to assets | 0.7419% | 2,885 |
| Net operating income to assets | 1.4636% | 730 |
| Return on assets (ROA) | 1.4441% | 833 |
| Pretax return on assets | 2.2524% | 250 |
| Return on Equity (ROE) | 13.5955% | 855 |
| Retained earnings to average equity (ytd only) | 0.1834% | 4,801 |
| Net charge-offs to loans | 1.0182% | 2,375 |
| Credit loss provision to net charge-offs | 109.5946% | 5,027 |
| Earnings coverage of net charge-offs (x) | 4.4683% | 2,939 |
| Efficiency ratio | 47.3678% | 7,657 |
| Assets per employee ($millions) | 4.8961% | 2,344 |
| Cash dividends to net income (ytd only)* | 98.6508% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 1,997 |
| Loan loss allowance to noncurrent loans | 180.6433% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 4,965 |
| Noncurrent loans to loans | 1.1121% | 5,102 |
| Net loans and leases to total assets | 62.6668% | 4,871 |
| Net loans and leases to deposits | 74.2158% | 5,003 |
| Net loans and leases to core deposits | 90.3058% | 5,088 |
| Total domestic deposits to total assets | 84.4386% | 3,824 |
| Equity capital to assets | 10.4406% | 3,253 |
| Core capital (leverage) ratio | 10.4122% | 2,678 |
| Tier 1 risk-based capital ratio | 14.1945% | 3,382 |
| Total risk-based capital ratio | 15.4515% | 3,334 |
| Memoranda: | ||
| Average total assets | $477,309,000 | 1,451 |
| Average earning assets | $454,419,600 | 1,388 |
| Average equity | $50,700,600 | 1,319 |
| Average total loans | $317,329,200 | 1,513 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 3,404 |
| Cost of funding earning assets | 1.3685% | 6,341 |
| Net interest margin | 4.3187% | 1,682 |
| Noninterest income to average assets | 1.6672% | 529 |
| Noninterest expense to average assets | 2.8908% | 4,495 |
| Loan and lease loss provision to assets | 0.5460% | 3,204 |
| Net operating income to assets | 1.4954% | 824 |
| Return on assets (ROA) | 1.4954% | 881 |
| Pretax return on assets | 2.3445% | 264 |
| Return on Equity (ROE) | 14.0165% | 925 |
| Retained earnings to average equity (ytd only) | 0.0501% | 5,182 |
| Net charge-offs to loans | 0.8107% | 2,339 |
| Credit loss provision to net charge-offs | 100.3099% | 5,062 |
| Earnings coverage of net charge-offs (x) | 5.3104% | 2,862 |
| Efficiency ratio | 50.0024% | 7,553 |
| Assets per employee ($millions) | 4.6763% | 2,596 |
| Cash dividends to net income (ytd only)* | 99.6428% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9171% | 1,985 |
| Loan loss allowance to noncurrent loans | 105.2761% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.8036% | 3,651 |
| Noncurrent loans to loans | 1.8210% | 3,886 |
| Net loans and leases to total assets | 64.2066% | 4,821 |
| Net loans and leases to deposits | 74.6501% | 5,275 |
| Net loans and leases to core deposits | 89.8316% | 5,449 |
| Total domestic deposits to total assets | 86.0101% | 2,701 |
| Equity capital to assets | 10.7900% | 3,218 |
| Core capital (leverage) ratio | 10.4611% | 2,824 |
| Tier 1 risk-based capital ratio | 14.4624% | 3,299 |
| Total risk-based capital ratio | 15.7184% | 3,242 |
| Memoranda: | ||
| Average total assets | $474,233,750 | 1,478 |
| Average earning assets | $451,764,250 | 1,416 |
| Average equity | $50,596,250 | 1,343 |
| Average total loans | $318,383,250 | 1,528 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7968% | 3,059 |
| Cost of funding earning assets | 1.4285% | 6,382 |
| Net interest margin | 4.3682% | 1,477 |
| Noninterest income to average assets | 1.8647% | 424 |
| Noninterest expense to average assets | 2.9181% | 4,437 |
| Loan and lease loss provision to assets | 0.4099% | 3,474 |
| Net operating income to assets | 1.7033% | 563 |
| Return on assets (ROA) | 1.7033% | 611 |
| Pretax return on assets | 2.6933% | 155 |
| Return on Equity (ROE) | 16.0258% | 691 |
| Retained earnings to average equity (ytd only) | 0.9184% | 4,812 |
| Net charge-offs to loans | 0.5773% | 2,598 |
| Credit loss provision to net charge-offs | 104.8649% | 4,384 |
| Earnings coverage of net charge-offs (x) | 7.9395% | 2,353 |
| Efficiency ratio | 48.4632% | 7,738 |
| Assets per employee ($millions) | 4.5807% | 2,650 |
| Cash dividends to net income (ytd only)* | 94.2694% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 1,757 |
| Loan loss allowance to noncurrent loans | 93.7743% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.9217% | 3,316 |
| Noncurrent loans to loans | 2.0417% | 3,459 |
| Net loans and leases to total assets | 64.7907% | 4,813 |
| Net loans and leases to deposits | 75.4022% | 5,259 |
| Net loans and leases to core deposits | 91.0316% | 5,445 |
| Total domestic deposits to total assets | 85.9268% | 2,831 |
| Equity capital to assets | 10.6651% | 3,238 |
| Core capital (leverage) ratio | 10.4669% | 2,842 |
| Tier 1 risk-based capital ratio | 14.3377% | 3,338 |
| Total risk-based capital ratio | 15.5939% | 3,267 |
| Memoranda: | ||
| Average total assets | $473,318,670 | 1,501 |
| Average earning assets | $450,387,670 | 1,436 |
| Average equity | $50,306,330 | 1,364 |
| Average total loans | $320,431,670 | 1,551 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9318% | 2,639 |
| Cost of funding earning assets | 1.4765% | 6,476 |
| Net interest margin | 4.4553% | 1,221 |
| Noninterest income to average assets | 1.9704% | 375 |
| Noninterest expense to average assets | 2.7504% | 4,780 |
| Loan and lease loss provision to assets | 0.3849% | 3,016 |
| Net operating income to assets | 1.9297% | 399 |
| Return on assets (ROA) | 1.9297% | 452 |
| Pretax return on assets | 3.0718% | 119 |
| Return on Equity (ROE) | 18.1878% | 579 |
| Retained earnings to average equity (ytd only) | 2.2056% | 4,648 |
| Net charge-offs to loans | 0.5097% | 2,187 |
| Credit loss provision to net charge-offs | 110.1942% | 3,502 |
| Earnings coverage of net charge-offs (x) | 9.8956% | 2,003 |
| Efficiency ratio | 44.3109% | 7,916 |
| Assets per employee ($millions) | 4.6995% | 2,437 |
| Cash dividends to net income (ytd only)* | 87.8735% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 1,651 |
| Loan loss allowance to noncurrent loans | 107.7666% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.7232% | 3,332 |
| Noncurrent loans to loans | 1.7511% | 3,640 |
| Net loans and leases to total assets | 65.3150% | 4,746 |
| Net loans and leases to deposits | 76.9250% | 5,093 |
| Net loans and leases to core deposits | 92.5781% | 5,300 |
| Total domestic deposits to total assets | 84.9074% | 3,252 |
| Equity capital to assets | 10.5476% | 3,416 |
| Core capital (leverage) ratio | 10.7202% | 2,721 |
| Tier 1 risk-based capital ratio | 14.3640% | 3,385 |
| Total risk-based capital ratio | 15.6203% | 3,304 |
| Memoranda: | ||
| Average total assets | $471,781,000 | 1,519 |
| Average earning assets | $448,632,500 | 1,444 |
| Average equity | $50,055,500 | 1,372 |
| Average total loans | $323,305,500 | 1,553 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2992% | 3,967 |
| Cost of funding earning assets | 2.1021% | 6,043 |
| Net interest margin | 4.1971% | 2,320 |
| Noninterest income to average assets | 1.2626% | 923 |
| Noninterest expense to average assets | 2.6338% | 5,515 |
| Loan and lease loss provision to assets | 0.6352% | 2,284 |
| Net operating income to assets | 1.2630% | 1,590 |
| Return on assets (ROA) | 1.2641% | 1,534 |
| Pretax return on assets | 1.9799% | 638 |
| Return on Equity (ROE) | 12.4393% | 1,460 |
| Retained earnings to average equity (ytd only) | -0.1545% | 5,321 |
| Net charge-offs to loans | 0.8971% | 1,383 |
| Credit loss provision to net charge-offs | 102.6773% | 5,191 |
| Earnings coverage of net charge-offs (x) | 4.2246% | 4,061 |
| Efficiency ratio | 50.1947% | 7,650 |
| Assets per employee ($millions) | 4.5511% | 2,537 |
| Cash dividends to net income (ytd only)* | 101.2421% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 1,571 |
| Loan loss allowance to noncurrent loans | 112.8728% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7322% | 2,813 |
| Noncurrent loans to loans | 1.6177% | 3,344 |
| Net loans and leases to total assets | 69.2617% | 4,197 |
| Net loans and leases to deposits | 81.8001% | 4,758 |
| Net loans and leases to core deposits | 99.0948% | 4,915 |
| Total domestic deposits to total assets | 84.6719% | 2,996 |
| Equity capital to assets | 10.6742% | 3,316 |
| Core capital (leverage) ratio | 10.8028% | 2,744 |
| Tier 1 risk-based capital ratio | 14.3264% | 3,378 |
| Total risk-based capital ratio | 15.5827% | 3,297 |
| Memoranda: | ||
| Average total assets | $464,920,400 | 1,479 |
| Average earning assets | $441,371,200 | 1,411 |
| Average equity | $47,245,600 | 1,449 |
| Average total loans | $320,593,600 | 1,512 |