Home > Landmark Community Bank > Performance and Condition Ratios
Landmark Community Bank, 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 | 3.8761% | 1,832 |
| Cost of funding earning assets | 0.4703% | 1,213 |
| Net interest margin | 3.4057% | 2,138 |
| Noninterest income to average assets | 0.2319% | 4,011 |
| Noninterest expense to average assets | 1.9298% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2794% | 1,889 |
| Return on assets (ROA) | 1.2815% | 1,939 |
| Pretax return on assets | 1.5387% | 1,881 |
| Return on Equity (ROE) | 12.3049% | 1,938 |
| Retained earnings to average equity (ytd only) | 9.5030% | 1,482 |
| Net charge-offs to loans | 0.0372% | 1,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 51.5270% | 1,230 |
| Efficiency ratio | 55.5792% | 3,581 |
| Assets per employee ($millions) | 13.9834% | 244 |
| Cash dividends to net income (ytd only)* | 22.7706% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 4,402 |
| Loan loss allowance to noncurrent loans | 111.4339% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 1,397 |
| Noncurrent loans to loans | 0.6846% | 1,608 |
| Net loans and leases to total assets | 79.5273% | 316 |
| Net loans and leases to deposits | 95.7100% | 358 |
| Net loans and leases to core deposits | 126.1777% | 142 |
| Total domestic deposits to total assets | 83.0920% | 3,682 |
| Equity capital to assets | 11.0039% | 2,013 |
| Core capital (leverage) ratio | 10.6427% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1061% | 1,587 |
| Memoranda: | ||
| Average total assets | $992,878,500 | 979 |
| Average earning assets | $942,821,250 | 960 |
| Average equity | $103,403,750 | 1,002 |
| Average total loans | $795,590,750 | 817 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 1,868 |
| Cost of funding earning assets | 0.4895% | 1,265 |
| Net interest margin | 3.3915% | 2,166 |
| Noninterest income to average assets | 0.2105% | 4,145 |
| Noninterest expense to average assets | 1.9592% | 3,812 |
| Loan and lease loss provision to assets | 0.0321% | 2,342 |
| Net operating income to assets | 1.1310% | 2,429 |
| Return on assets (ROA) | 1.1310% | 2,497 |
| Pretax return on assets | 1.4393% | 2,215 |
| Return on Equity (ROE) | 11.0642% | 2,404 |
| Retained earnings to average equity (ytd only) | 8.9812% | 1,716 |
| Net charge-offs to loans | 0.0353% | 1,292 |
| Credit loss provision to net charge-offs | 113.4752% | 1,291 |
| Earnings coverage of net charge-offs (x) | 52.0496% | 1,044 |
| Efficiency ratio | 57.0043% | 3,409 |
| Assets per employee ($millions) | 12.0324% | 346 |
| Cash dividends to net income (ytd only)* | 18.8264% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,377 |
| Loan loss allowance to noncurrent loans | 102.0321% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 1,343 |
| Noncurrent loans to loans | 0.7731% | 1,560 |
| Net loans and leases to total assets | 79.3690% | 349 |
| Net loans and leases to deposits | 95.1385% | 415 |
| Net loans and leases to core deposits | 126.7108% | 154 |
| Total domestic deposits to total assets | 83.4248% | 3,599 |
| Equity capital to assets | 10.5867% | 2,324 |
| Core capital (leverage) ratio | 10.3485% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6667% | 1,733 |
| Memoranda: | ||
| Average total assets | $997,559,000 | 968 |
| Average earning assets | $947,143,333 | 947 |
| Average equity | $101,968,333 | 1,008 |
| Average total loans | $799,312,000 | 819 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 1,818 |
| Cost of funding earning assets | 0.5194% | 1,273 |
| Net interest margin | 3.3865% | 2,146 |
| Noninterest income to average assets | 0.2524% | 3,886 |
| Noninterest expense to average assets | 1.9844% | 3,767 |
| Loan and lease loss provision to assets | 0.0479% | 2,123 |
| Net operating income to assets | 1.1473% | 2,340 |
| Return on assets (ROA) | 1.1473% | 2,407 |
| Pretax return on assets | 1.4365% | 2,180 |
| Return on Equity (ROE) | 11.4251% | 2,210 |
| Retained earnings to average equity (ytd only) | 7.2077% | 2,505 |
| Net charge-offs to loans | 0.0567% | 946 |
| Credit loss provision to net charge-offs | 105.2632% | 1,087 |
| Earnings coverage of net charge-offs (x) | 32.6491% | 1,062 |
| Efficiency ratio | 57.1051% | 3,415 |
| Assets per employee ($millions) | 12.2769% | 325 |
| Cash dividends to net income (ytd only)* | 36.9135% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 4,445 |
| Loan loss allowance to noncurrent loans | 113.3577% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 1,742 |
| Noncurrent loans to loans | 0.6876% | 1,866 |
| Net loans and leases to total assets | 78.5460% | 431 |
| Net loans and leases to deposits | 94.1479% | 486 |
| Net loans and leases to core deposits | 127.0319% | 174 |
| Total domestic deposits to total assets | 83.4284% | 3,584 |
| Equity capital to assets | 10.1498% | 2,551 |
| Core capital (leverage) ratio | 9.9175% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2897% | 1,820 |
| Memoranda: | ||
| Average total assets | $1,003,012,000 | 952 |
| Average earning assets | $952,593,500 | 932 |
| Average equity | $100,725,500 | 1,010 |
| Average total loans | $804,306,500 | 809 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 2,608 |
| Cost of funding earning assets | 0.8959% | 869 |
| Net interest margin | 3.1445% | 3,508 |
| Noninterest income to average assets | 0.1787% | 4,390 |
| Noninterest expense to average assets | 1.7933% | 4,482 |
| Loan and lease loss provision to assets | 0.0331% | 3,986 |
| Net operating income to assets | 1.0561% | 2,079 |
| Return on assets (ROA) | 1.0561% | 2,215 |
| Pretax return on assets | 1.3452% | 1,836 |
| Return on Equity (ROE) | 10.7407% | 1,728 |
| Retained earnings to average equity (ytd only) | 8.6989% | 853 |
| Net charge-offs to loans | 0.0375% | 2,303 |
| Credit loss provision to net charge-offs | 109.7561% | 2,727 |
| Earnings coverage of net charge-offs (x) | 45.7352% | 1,280 |
| Efficiency ratio | 56.4263% | 3,928 |
| Assets per employee ($millions) | 12.1868% | 309 |
| Cash dividends to net income (ytd only)* | 19.0097% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 4,489 |
| Loan loss allowance to noncurrent loans | 102.9871% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 1,752 |
| Noncurrent loans to loans | 0.7424% | 1,847 |
| Net loans and leases to total assets | 80.6017% | 387 |
| Net loans and leases to deposits | 96.7223% | 516 |
| Net loans and leases to core deposits | 131.0312% | 192 |
| Total domestic deposits to total assets | 83.3331% | 3,321 |
| Equity capital to assets | 9.9340% | 3,195 |
| Core capital (leverage) ratio | 10.0752% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8876% | 1,888 |
| Memoranda: | ||
| Average total assets | $952,328,200 | 923 |
| Average earning assets | $906,421,200 | 892 |
| Average equity | $93,643,800 | 1,024 |
| Average total loans | $764,551,600 | 810 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 2,829 |
| Cost of funding earning assets | 1.0050% | 750 |
| Net interest margin | 3.0430% | 3,879 |
| Noninterest income to average assets | 0.1769% | 4,406 |
| Noninterest expense to average assets | 1.6860% | 4,639 |
| Loan and lease loss provision to assets | 0.0298% | 3,961 |
| Net operating income to assets | 1.0521% | 2,134 |
| Return on assets (ROA) | 1.0521% | 2,270 |
| Pretax return on assets | 1.3593% | 1,859 |
| Return on Equity (ROE) | 10.7286% | 1,773 |
| Retained earnings to average equity (ytd only) | 7.9663% | 1,314 |
| Net charge-offs to loans | 0.0453% | 1,976 |
| Credit loss provision to net charge-offs | 82.0313% | 2,747 |
| Earnings coverage of net charge-offs (x) | 38.2773% | 1,397 |
| Efficiency ratio | 54.7089% | 4,072 |
| Assets per employee ($millions) | 11.6425% | 344 |
| Cash dividends to net income (ytd only)* | 25.7478% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 4,374 |
| Loan loss allowance to noncurrent loans | 112.9698% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 2,020 |
| Noncurrent loans to loans | 0.7011% | 2,041 |
| Net loans and leases to total assets | 80.4534% | 569 |
| Net loans and leases to deposits | 98.2672% | 611 |
| Net loans and leases to core deposits | 134.5402% | 196 |
| Total domestic deposits to total assets | 81.8721% | 3,456 |
| Equity capital to assets | 10.0489% | 3,187 |
| Core capital (leverage) ratio | 10.0472% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4807% | 1,665 |
| Memoranda: | ||
| Average total assets | $940,581,250 | 920 |
| Average earning assets | $895,804,000 | 891 |
| Average equity | $92,236,750 | 1,023 |
| Average total loans | $752,771,500 | 814 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 2,973 |
| Cost of funding earning assets | 1.1569% | 598 |
| Net interest margin | 2.9724% | 4,182 |
| Noninterest income to average assets | 0.1915% | 4,320 |
| Noninterest expense to average assets | 1.6355% | 4,749 |
| Loan and lease loss provision to assets | 0.0224% | 3,965 |
| Net operating income to assets | 1.0585% | 2,110 |
| Return on assets (ROA) | 1.0585% | 2,246 |
| Pretax return on assets | 1.3630% | 1,824 |
| Return on Equity (ROE) | 10.8853% | 1,671 |
| Retained earnings to average equity (ytd only) | 8.7843% | 1,076 |
| Net charge-offs to loans | 0.0582% | 1,671 |
| Credit loss provision to net charge-offs | 48.3871% | 2,634 |
| Earnings coverage of net charge-offs (x) | 29.8756% | 1,438 |
| Efficiency ratio | 54.0110% | 4,177 |
| Assets per employee ($millions) | 12.0591% | 316 |
| Cash dividends to net income (ytd only)* | 19.3014% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 4,309 |
| Loan loss allowance to noncurrent loans | 111.6921% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 2,092 |
| Noncurrent loans to loans | 0.7301% | 2,051 |
| Net loans and leases to total assets | 77.4423% | 927 |
| Net loans and leases to deposits | 94.3664% | 925 |
| Net loans and leases to core deposits | 127.7783% | 289 |
| Total domestic deposits to total assets | 82.0655% | 3,352 |
| Equity capital to assets | 9.8072% | 3,360 |
| Core capital (leverage) ratio | 9.7607% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7211% | 1,564 |
| Memoranda: | ||
| Average total assets | $935,879,333 | 907 |
| Average earning assets | $890,867,333 | 883 |
| Average equity | $91,003,667 | 1,028 |
| Average total loans | $745,625,333 | 816 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 2,941 |
| Cost of funding earning assets | 1.3928% | 408 |
| Net interest margin | 2.9020% | 4,428 |
| Noninterest income to average assets | 0.1902% | 4,419 |
| Noninterest expense to average assets | 1.5815% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0778% | 1,912 |
| Return on assets (ROA) | 1.0778% | 2,015 |
| Pretax return on assets | 1.3702% | 1,654 |
| Return on Equity (ROE) | 11.1326% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.8738% | 1,586 |
| Net charge-offs to loans | 0.0472% | 1,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 36.1023% | 1,071 |
| Efficiency ratio | 53.4483% | 4,436 |
| Assets per employee ($millions) | 11.7117% | 251 |
| Cash dividends to net income (ytd only)* | 38.2553% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 4,370 |
| Loan loss allowance to noncurrent loans | 115.0576% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 2,178 |
| Noncurrent loans to loans | 0.7102% | 2,225 |
| Net loans and leases to total assets | 80.9188% | 575 |
| Net loans and leases to deposits | 98.6551% | 645 |
| Net loans and leases to core deposits | 137.0025% | 191 |
| Total domestic deposits to total assets | 82.0219% | 3,417 |
| Equity capital to assets | 9.4905% | 4,231 |
| Core capital (leverage) ratio | 9.7785% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3285% | 1,807 |
| Memoranda: | ||
| Average total assets | $927,484,500 | 883 |
| Average earning assets | $882,558,500 | 862 |
| Average equity | $89,790,500 | 1,030 |
| Average total loans | $746,520,500 | 796 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 3,258 |
| Cost of funding earning assets | 1.8489% | 117 |
| Net interest margin | 2.5494% | 4,941 |
| Noninterest income to average assets | 0.1627% | 4,678 |
| Noninterest expense to average assets | 1.3890% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9360% | 3,072 |
| Return on assets (ROA) | 0.9452% | 3,124 |
| Pretax return on assets | 1.2238% | 2,753 |
| Return on Equity (ROE) | 10.2071% | 2,200 |
| Retained earnings to average equity (ytd only) | 8.0694% | 953 |
| Net charge-offs to loans | 0.0759% | 2,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 19.5913% | 1,989 |
| Efficiency ratio | 52.8528% | 4,538 |
| Assets per employee ($millions) | 11.7682% | 242 |
| Cash dividends to net income (ytd only)* | 20.9430% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 4,231 |
| Loan loss allowance to noncurrent loans | 131.3630% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 2,307 |
| Noncurrent loans to loans | 0.6290% | 2,313 |
| Net loans and leases to total assets | 78.7684% | 969 |
| Net loans and leases to deposits | 95.5437% | 990 |
| Net loans and leases to core deposits | 130.8173% | 264 |
| Total domestic deposits to total assets | 82.4423% | 3,385 |
| Equity capital to assets | 9.8660% | 4,044 |
| Core capital (leverage) ratio | 9.6533% | 3,899 |
| Tier 1 risk-based capital ratio | 15.0848% | 2,750 |
| Total risk-based capital ratio | 16.0907% | 2,775 |
| Memoranda: | ||
| Average total assets | $964,865,800 | 809 |
| Average earning assets | $922,890,000 | 780 |
| Average equity | $89,349,600 | 983 |
| Average total loans | $786,803,400 | 724 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 3,286 |
| Cost of funding earning assets | 1.9037% | 94 |
| Net interest margin | 2.5162% | 5,053 |
| Noninterest income to average assets | 0.1390% | 4,838 |
| Noninterest expense to average assets | 1.3362% | 5,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9092% | 3,316 |
| Return on assets (ROA) | 0.9203% | 3,347 |
| Pretax return on assets | 1.2248% | 2,899 |
| Return on Equity (ROE) | 10.0978% | 2,389 |
| Retained earnings to average equity (ytd only) | 7.2192% | 1,748 |
| Net charge-offs to loans | 0.0636% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 23.1976% | 1,841 |
| Efficiency ratio | 51.7662% | 4,613 |
| Assets per employee ($millions) | 12.1102% | 213 |
| Cash dividends to net income (ytd only)* | 28.5074% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8281% | 4,317 |
| Loan loss allowance to noncurrent loans | 139.2033% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 2,600 |
| Noncurrent loans to loans | 0.5949% | 2,501 |
| Net loans and leases to total assets | 79.0500% | 985 |
| Net loans and leases to deposits | 95.1008% | 1,111 |
| Net loans and leases to core deposits | 130.5745% | 287 |
| Total domestic deposits to total assets | 83.1223% | 3,121 |
| Equity capital to assets | 9.2875% | 4,601 |
| Core capital (leverage) ratio | 9.1783% | 4,498 |
| Tier 1 risk-based capital ratio | 14.4311% | 3,116 |
| Total risk-based capital ratio | 15.4625% | 3,120 |
| Memoranda: | ||
| Average total assets | $970,718,750 | 804 |
| Average earning assets | $928,960,250 | 772 |
| Average equity | $88,466,000 | 990 |
| Average total loans | $796,567,750 | 721 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 3,362 |
| Cost of funding earning assets | 1.9031% | 87 |
| Net interest margin | 2.4867% | 5,133 |
| Noninterest income to average assets | 0.1398% | 4,871 |
| Noninterest expense to average assets | 1.3361% | 5,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8906% | 3,321 |
| Return on assets (ROA) | 0.8738% | 3,453 |
| Pretax return on assets | 1.1629% | 3,029 |
| Return on Equity (ROE) | 9.6497% | 2,558 |
| Retained earnings to average equity (ytd only) | 7.4805% | 1,612 |
| Net charge-offs to loans | 0.0731% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 19.5612% | 1,815 |
| Efficiency ratio | 52.2467% | 4,635 |
| Assets per employee ($millions) | 12.3443% | 185 |
| Cash dividends to net income (ytd only)* | 22.4788% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 4,430 |
| Loan loss allowance to noncurrent loans | 179.8779% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 3,007 |
| Noncurrent loans to loans | 0.4459% | 2,936 |
| Net loans and leases to total assets | 82.1934% | 575 |
| Net loans and leases to deposits | 102.6669% | 500 |
| Net loans and leases to core deposits | 149.7877% | 135 |
| Total domestic deposits to total assets | 80.0583% | 4,028 |
| Equity capital to assets | 9.1089% | 4,734 |
| Core capital (leverage) ratio | 9.0923% | 4,559 |
| Tier 1 risk-based capital ratio | 14.1009% | 3,263 |
| Total risk-based capital ratio | 15.1318% | 3,285 |
| Memoranda: | ||
| Average total assets | $971,353,330 | 801 |
| Average earning assets | $929,833,670 | 769 |
| Average equity | $87,961,670 | 990 |
| Average total loans | $804,676,000 | 712 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 3,440 |
| Cost of funding earning assets | 1.8809% | 76 |
| Net interest margin | 2.4558% | 5,205 |
| Noninterest income to average assets | 0.1357% | 4,918 |
| Noninterest expense to average assets | 1.3447% | 5,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8600% | 3,403 |
| Return on assets (ROA) | 0.8265% | 3,565 |
| Pretax return on assets | 1.0996% | 3,152 |
| Return on Equity (ROE) | 9.1537% | 2,737 |
| Retained earnings to average equity (ytd only) | 4.7939% | 2,999 |
| Net charge-offs to loans | 0.0687% | 1,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 20.0580% | 1,572 |
| Efficiency ratio | 53.2935% | 4,597 |
| Assets per employee ($millions) | 12.2945% | 191 |
| Cash dividends to net income (ytd only)* | 47.6286% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,429 |
| Loan loss allowance to noncurrent loans | 117.8445% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 2,335 |
| Noncurrent loans to loans | 0.7018% | 2,267 |
| Net loans and leases to total assets | 81.9362% | 596 |
| Net loans and leases to deposits | 101.4530% | 530 |
| Net loans and leases to core deposits | 146.4019% | 140 |
| Total domestic deposits to total assets | 80.7627% | 4,010 |
| Equity capital to assets | 9.0186% | 4,668 |
| Core capital (leverage) ratio | 9.0946% | 4,580 |
| Tier 1 risk-based capital ratio | 14.3125% | 3,185 |
| Total risk-based capital ratio | 15.3853% | 3,199 |
| Memoranda: | ||
| Average total assets | $969,430,000 | 810 |
| Average earning assets | $928,070,500 | 774 |
| Average equity | $87,527,500 | 988 |
| Average total loans | $802,998,500 | 715 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 3,644 |
| Cost of funding earning assets | 1.4831% | 93 |
| Net interest margin | 2.6488% | 5,126 |
| Noninterest income to average assets | 0.1376% | 5,022 |
| Noninterest expense to average assets | 1.4131% | 5,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9511% | 3,228 |
| Return on assets (ROA) | 0.9511% | 3,222 |
| Pretax return on assets | 1.2600% | 2,655 |
| Return on Equity (ROE) | 10.7427% | 2,187 |
| Retained earnings to average equity (ytd only) | 8.4866% | 1,051 |
| Net charge-offs to loans | 0.0754% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.4388% | 2,001 |
| Efficiency ratio | 52.1258% | 4,788 |
| Assets per employee ($millions) | 11.9456% | 198 |
| Cash dividends to net income (ytd only)* | 21.0010% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,380 |
| Loan loss allowance to noncurrent loans | 130.0883% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 2,441 |
| Noncurrent loans to loans | 0.6481% | 2,371 |
| Net loans and leases to total assets | 82.3452% | 610 |
| Net loans and leases to deposits | 105.0657% | 417 |
| Net loans and leases to core deposits | 145.4884% | 162 |
| Total domestic deposits to total assets | 78.3749% | 4,427 |
| Equity capital to assets | 9.0389% | 4,541 |
| Core capital (leverage) ratio | 8.9984% | 4,659 |
| Tier 1 risk-based capital ratio | 14.5661% | 3,034 |
| Total risk-based capital ratio | 15.6777% | 3,015 |
| Memoranda: | ||
| Average total assets | $953,773,000 | 799 |
| Average earning assets | $913,025,600 | 774 |
| Average equity | $84,438,800 | 988 |
| Average total loans | $779,525,200 | 716 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,765 |
| Cost of funding earning assets | 1.3903% | 100 |
| Net interest margin | 2.6665% | 5,190 |
| Noninterest income to average assets | 0.1388% | 5,078 |
| Noninterest expense to average assets | 1.4240% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9567% | 3,278 |
| Return on assets (ROA) | 0.9567% | 3,290 |
| Pretax return on assets | 1.2675% | 2,734 |
| Return on Equity (ROE) | 10.8645% | 2,232 |
| Retained earnings to average equity (ytd only) | 7.8293% | 1,733 |
| Net charge-offs to loans | 0.0755% | 1,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 20.6254% | 1,952 |
| Efficiency ratio | 52.1737% | 4,792 |
| Assets per employee ($millions) | 12.3047% | 182 |
| Cash dividends to net income (ytd only)* | 27.9367% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 4,440 |
| Loan loss allowance to noncurrent loans | 158.6483% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 2,911 |
| Noncurrent loans to loans | 0.5394% | 2,765 |
| Net loans and leases to total assets | 81.5014% | 794 |
| Net loans and leases to deposits | 98.4834% | 916 |
| Net loans and leases to core deposits | 131.8346% | 299 |
| Total domestic deposits to total assets | 82.7565% | 3,386 |
| Equity capital to assets | 8.7582% | 4,755 |
| Core capital (leverage) ratio | 9.0372% | 4,672 |
| Tier 1 risk-based capital ratio | 14.3805% | 3,185 |
| Total risk-based capital ratio | 15.5071% | 3,156 |
| Memoranda: | ||
| Average total assets | $950,318,000 | 803 |
| Average earning assets | $909,790,000 | 771 |
| Average equity | $83,683,500 | 991 |
| Average total loans | $773,521,250 | 718 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,831 |
| Cost of funding earning assets | 1.2882% | 123 |
| Net interest margin | 2.6954% | 5,222 |
| Noninterest income to average assets | 0.1416% | 5,111 |
| Noninterest expense to average assets | 1.4444% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9638% | 3,176 |
| Return on assets (ROA) | 0.9638% | 3,176 |
| Pretax return on assets | 1.2769% | 2,604 |
| Return on Equity (ROE) | 10.9246% | 2,139 |
| Retained earnings to average equity (ytd only) | 8.6286% | 1,344 |
| Net charge-offs to loans | 0.0754% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.8885% | 1,790 |
| Efficiency ratio | 52.3403% | 4,853 |
| Assets per employee ($millions) | 12.4242% | 175 |
| Cash dividends to net income (ytd only)* | 21.0166% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 4,287 |
| Loan loss allowance to noncurrent loans | 179.4118% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,079 |
| Noncurrent loans to loans | 0.5080% | 2,892 |
| Net loans and leases to total assets | 80.4207% | 951 |
| Net loans and leases to deposits | 96.7079% | 1,075 |
| Net loans and leases to core deposits | 131.3781% | 304 |
| Total domestic deposits to total assets | 83.1583% | 3,364 |
| Equity capital to assets | 8.8763% | 4,669 |
| Core capital (leverage) ratio | 9.1726% | 4,495 |
| Tier 1 risk-based capital ratio | 15.0864% | 2,832 |
| Total risk-based capital ratio | 16.3169% | 2,769 |
| Memoranda: | ||
| Average total assets | $938,966,330 | 815 |
| Average earning assets | $898,625,670 | 778 |
| Average equity | $82,840,330 | 1,000 |
| Average total loans | $761,627,330 | 728 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 3,841 |
| Cost of funding earning assets | 1.1784% | 154 |
| Net interest margin | 2.7542% | 5,206 |
| Noninterest income to average assets | 0.1282% | 5,224 |
| Noninterest expense to average assets | 1.4725% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9758% | 2,961 |
| Return on assets (ROA) | 0.9758% | 2,989 |
| Pretax return on assets | 1.2932% | 2,394 |
| Return on Equity (ROE) | 11.0950% | 1,929 |
| Retained earnings to average equity (ytd only) | 6.4448% | 2,528 |
| Net charge-offs to loans | 0.0796% | 1,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 20.0467% | 1,485 |
| Efficiency ratio | 52.5113% | 4,927 |
| Assets per employee ($millions) | 12.4613% | 178 |
| Cash dividends to net income (ytd only)* | 41.9127% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 4,196 |
| Loan loss allowance to noncurrent loans | 323.1631% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,916 |
| Noncurrent loans to loans | 0.2954% | 3,708 |
| Net loans and leases to total assets | 80.0807% | 920 |
| Net loans and leases to deposits | 96.4077% | 990 |
| Net loans and leases to core deposits | 151.0519% | 119 |
| Total domestic deposits to total assets | 83.0647% | 3,646 |
| Equity capital to assets | 8.8391% | 4,715 |
| Core capital (leverage) ratio | 9.0371% | 4,642 |
| Tier 1 risk-based capital ratio | 14.9107% | 2,907 |
| Total risk-based capital ratio | 16.1610% | 2,840 |
| Memoranda: | ||
| Average total assets | $930,118,500 | 823 |
| Average earning assets | $890,715,500 | 788 |
| Average equity | $81,802,500 | 1,015 |
| Average total loans | $754,226,000 | 735 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 3,710 |
| Cost of funding earning assets | 0.9322% | 315 |
| Net interest margin | 2.9728% | 4,943 |
| Noninterest income to average assets | 0.1685% | 5,113 |
| Noninterest expense to average assets | 1.6171% | 5,401 |
| Loan and lease loss provision to assets | 0.0402% | 3,463 |
| Net operating income to assets | 0.7294% | 3,473 |
| Return on assets (ROA) | 0.7294% | 3,512 |
| Pretax return on assets | 1.3561% | 2,144 |
| Return on Equity (ROE) | 8.3641% | 2,623 |
| Retained earnings to average equity (ytd only) | 5.9491% | 1,573 |
| Net charge-offs to loans | 0.0785% | 2,324 |
| Credit loss provision to net charge-offs | 62.9116% | 3,187 |
| Earnings coverage of net charge-offs (x) | 21.8440% | 1,878 |
| Efficiency ratio | 52.9723% | 5,038 |
| Assets per employee ($millions) | 12.0213% | 188 |
| Cash dividends to net income (ytd only)* | 28.8730% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 4,060 |
| Loan loss allowance to noncurrent loans | 184.3515% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 3,107 |
| Noncurrent loans to loans | 0.5305% | 2,914 |
| Net loans and leases to total assets | 80.5328% | 890 |
| Net loans and leases to deposits | 99.2497% | 794 |
| Net loans and leases to core deposits | 157.2265% | 96 |
| Total domestic deposits to total assets | 81.1416% | 4,088 |
| Equity capital to assets | 8.7502% | 4,928 |
| Core capital (leverage) ratio | 8.8709% | 4,789 |
| Tier 1 risk-based capital ratio | 14.6390% | 3,016 |
| Total risk-based capital ratio | 15.8905% | 2,942 |
| Memoranda: | ||
| Average total assets | $902,682,000 | 829 |
| Average earning assets | $863,845,400 | 788 |
| Average equity | $78,717,600 | 1,021 |
| Average total loans | $734,824,800 | 718 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 3,737 |
| Cost of funding earning assets | 0.8872% | 377 |
| Net interest margin | 2.9946% | 4,933 |
| Noninterest income to average assets | 0.1733% | 5,149 |
| Noninterest expense to average assets | 1.6359% | 5,418 |
| Loan and lease loss provision to assets | 0.0540% | 3,017 |
| Net operating income to assets | 0.8693% | 3,179 |
| Return on assets (ROA) | 0.8693% | 3,225 |
| Pretax return on assets | 1.3485% | 2,291 |
| Return on Equity (ROE) | 9.9774% | 2,146 |
| Retained earnings to average equity (ytd only) | 6.7340% | 1,830 |
| Net charge-offs to loans | 0.0767% | 2,046 |
| Credit loss provision to net charge-offs | 86.4286% | 2,507 |
| Earnings coverage of net charge-offs (x) | 22.4641% | 1,860 |
| Efficiency ratio | 53.1507% | 4,998 |
| Assets per employee ($millions) | 11.6282% | 200 |
| Cash dividends to net income (ytd only)* | 32.5068% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,876 |
| Loan loss allowance to noncurrent loans | 158.9641% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 2,970 |
| Noncurrent loans to loans | 0.6514% | 2,759 |
| Net loans and leases to total assets | 79.2261% | 1,091 |
| Net loans and leases to deposits | 97.0975% | 1,000 |
| Net loans and leases to core deposits | 153.5199% | 105 |
| Total domestic deposits to total assets | 81.5943% | 3,896 |
| Equity capital to assets | 8.8376% | 5,044 |
| Core capital (leverage) ratio | 8.7826% | 4,986 |
| Tier 1 risk-based capital ratio | 15.0320% | 2,902 |
| Total risk-based capital ratio | 16.2850% | 2,832 |
| Memoranda: | ||
| Average total assets | $896,942,500 | 840 |
| Average earning assets | $858,145,500 | 798 |
| Average equity | $78,148,250 | 1,033 |
| Average total loans | $730,329,250 | 723 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 3,773 |
| Cost of funding earning assets | 0.8255% | 462 |
| Net interest margin | 3.0102% | 4,891 |
| Noninterest income to average assets | 0.1932% | 5,082 |
| Noninterest expense to average assets | 1.6612% | 5,446 |
| Loan and lease loss provision to assets | 0.0671% | 2,625 |
| Net operating income to assets | 0.8671% | 3,088 |
| Return on assets (ROA) | 0.8671% | 3,142 |
| Pretax return on assets | 1.3449% | 2,232 |
| Return on Equity (ROE) | 10.0002% | 2,036 |
| Retained earnings to average equity (ytd only) | 7.5479% | 1,331 |
| Net charge-offs to loans | 0.0763% | 1,860 |
| Credit loss provision to net charge-offs | 107.5269% | 1,916 |
| Earnings coverage of net charge-offs (x) | 22.6129% | 1,704 |
| Efficiency ratio | 53.3683% | 5,065 |
| Assets per employee ($millions) | 11.5175% | 197 |
| Cash dividends to net income (ytd only)* | 24.5225% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,972 |
| Loan loss allowance to noncurrent loans | 233.2822% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 3,630 |
| Noncurrent loans to loans | 0.4410% | 3,430 |
| Net loans and leases to total assets | 80.3278% | 903 |
| Net loans and leases to deposits | 99.1684% | 799 |
| Net loans and leases to core deposits | 167.1326% | 78 |
| Total domestic deposits to total assets | 81.0014% | 4,184 |
| Equity capital to assets | 8.7146% | 5,127 |
| Core capital (leverage) ratio | 8.6290% | 5,115 |
| Tier 1 risk-based capital ratio | 14.7449% | 3,040 |
| Total risk-based capital ratio | 15.9981% | 2,970 |
| Memoranda: | ||
| Average total assets | $893,589,330 | 849 |
| Average earning assets | $854,972,670 | 808 |
| Average equity | $77,478,670 | 1,042 |
| Average total loans | $731,738,670 | 718 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 3,712 |
| Cost of funding earning assets | 0.7504% | 646 |
| Net interest margin | 3.0653% | 4,752 |
| Noninterest income to average assets | 0.1857% | 5,163 |
| Noninterest expense to average assets | 1.6882% | 5,484 |
| Loan and lease loss provision to assets | 0.1129% | 1,696 |
| Net operating income to assets | 0.8506% | 2,990 |
| Return on assets (ROA) | 0.8506% | 3,032 |
| Pretax return on assets | 1.3187% | 2,174 |
| Return on Equity (ROE) | 9.8366% | 2,034 |
| Retained earnings to average equity (ytd only) | 4.8739% | 2,969 |
| Net charge-offs to loans | 0.0714% | 1,615 |
| Credit loss provision to net charge-offs | 192.3077% | 1,033 |
| Earnings coverage of net charge-offs (x) | 24.3769% | 1,360 |
| Efficiency ratio | 53.4318% | 5,174 |
| Assets per employee ($millions) | 11.7634% | 180 |
| Cash dividends to net income (ytd only)* | 50.4514% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,970 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 3,835 |
| Noncurrent loans to loans | 0.3945% | 3,689 |
| Net loans and leases to total assets | 80.9773% | 699 |
| Net loans and leases to deposits | 103.4973% | 420 |
| Net loans and leases to core deposits | 169.4234% | 61 |
| Total domestic deposits to total assets | 78.2410% | 4,938 |
| Equity capital to assets | 8.6152% | 5,140 |
| Core capital (leverage) ratio | 8.6583% | 5,093 |
| Tier 1 risk-based capital ratio | 14.7667% | 3,088 |
| Total risk-based capital ratio | 16.0204% | 3,005 |
| Memoranda: | ||
| Average total assets | $885,441,500 | 860 |
| Average earning assets | $847,560,000 | 825 |
| Average equity | $76,571,500 | 1,053 |
| Average total loans | $728,363,500 | 722 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 3,354 |
| Cost of funding earning assets | 0.7100% | 779 |
| Net interest margin | 3.2471% | 4,308 |
| Noninterest income to average assets | 0.1910% | 5,263 |
| Noninterest expense to average assets | 1.7205% | 5,546 |
| Loan and lease loss provision to assets | 0.1759% | 1,371 |
| Net operating income to assets | 0.9415% | 2,626 |
| Return on assets (ROA) | 0.9035% | 2,915 |
| Pretax return on assets | 1.3459% | 2,114 |
| Return on Equity (ROE) | 10.7301% | 1,680 |
| Retained earnings to average equity (ytd only) | 8.2245% | 780 |
| Net charge-offs to loans | 0.1100% | 2,171 |
| Credit loss provision to net charge-offs | 194.8718% | 1,450 |
| Earnings coverage of net charge-offs (x) | 17.4846% | 2,043 |
| Efficiency ratio | 51.4945% | 5,411 |
| Assets per employee ($millions) | 11.6995% | 186 |
| Cash dividends to net income (ytd only)* | 23.3508% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 4,042 |
| Loan loss allowance to noncurrent loans | 299.1315% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 4,050 |
| Noncurrent loans to loans | 0.3493% | 3,878 |
| Net loans and leases to total assets | 81.7700% | 635 |
| Net loans and leases to deposits | 105.5965% | 363 |
| Net loans and leases to core deposits | 165.0384% | 73 |
| Total domestic deposits to total assets | 77.4363% | 5,059 |
| Equity capital to assets | 8.7434% | 5,071 |
| Core capital (leverage) ratio | 8.5547% | 5,207 |
| Tier 1 risk-based capital ratio | 14.7331% | 3,082 |
| Total risk-based capital ratio | 16.0609% | 2,992 |
| Memoranda: | ||
| Average total assets | $864,039,800 | 841 |
| Average earning assets | $827,024,400 | 802 |
| Average equity | $72,758,000 | 1,087 |
| Average total loans | $708,859,800 | 713 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,680 |
| Cost of funding earning assets | 0.7088% | 778 |
| Net interest margin | 3.1644% | 4,593 |
| Noninterest income to average assets | 0.2740% | 4,812 |
| Noninterest expense to average assets | 1.7011% | 5,610 |
| Loan and lease loss provision to assets | 0.1812% | 1,225 |
| Net operating income to assets | 0.9456% | 2,674 |
| Return on assets (ROA) | 0.9092% | 2,992 |
| Pretax return on assets | 1.3671% | 2,169 |
| Return on Equity (ROE) | 10.9035% | 1,706 |
| Retained earnings to average equity (ytd only) | 7.5167% | 1,391 |
| Net charge-offs to loans | 0.0950% | 2,003 |
| Credit loss provision to net charge-offs | 233.0677% | 1,263 |
| Earnings coverage of net charge-offs (x) | 20.6095% | 1,862 |
| Efficiency ratio | 50.8276% | 5,452 |
| Assets per employee ($millions) | 11.8163% | 179 |
| Cash dividends to net income (ytd only)* | 31.0616% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 4,310 |
| Loan loss allowance to noncurrent loans | 295.0845% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 4,128 |
| Noncurrent loans to loans | 0.3449% | 4,019 |
| Net loans and leases to total assets | 81.2747% | 721 |
| Net loans and leases to deposits | 104.6501% | 423 |
| Net loans and leases to core deposits | 172.4604% | 64 |
| Total domestic deposits to total assets | 77.6632% | 4,970 |
| Equity capital to assets | 8.2372% | 5,654 |
| Core capital (leverage) ratio | 8.2704% | 5,520 |
| Tier 1 risk-based capital ratio | 13.8129% | 3,660 |
| Total risk-based capital ratio | 15.1442% | 3,542 |
| Memoranda: | ||
| Average total assets | $860,684,250 | 841 |
| Average earning assets | $824,068,000 | 803 |
| Average equity | $71,767,500 | 1,104 |
| Average total loans | $704,805,250 | 714 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 3,669 |
| Cost of funding earning assets | 0.7238% | 705 |
| Net interest margin | 3.1530% | 4,683 |
| Noninterest income to average assets | 0.3414% | 4,338 |
| Noninterest expense to average assets | 1.7325% | 5,663 |
| Loan and lease loss provision to assets | 0.2004% | 1,068 |
| Net operating income to assets | 0.9667% | 2,541 |
| Return on assets (ROA) | 0.9346% | 2,838 |
| Pretax return on assets | 1.3789% | 2,098 |
| Return on Equity (ROE) | 11.1611% | 1,587 |
| Retained earnings to average equity (ytd only) | 8.7031% | 935 |
| Net charge-offs to loans | 0.0827% | 2,021 |
| Credit loss provision to net charge-offs | 296.1672% | 975 |
| Earnings coverage of net charge-offs (x) | 24.0348% | 1,564 |
| Efficiency ratio | 50.9196% | 5,510 |
| Assets per employee ($millions) | 11.3376% | 187 |
| Cash dividends to net income (ytd only)* | 22.0232% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 4,368 |
| Loan loss allowance to noncurrent loans | 191.1157% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 3,619 |
| Noncurrent loans to loans | 0.5369% | 3,468 |
| Net loans and leases to total assets | 82.8330% | 531 |
| Net loans and leases to deposits | 104.8645% | 418 |
| Net loans and leases to core deposits | 168.8514% | 70 |
| Total domestic deposits to total assets | 78.9906% | 4,790 |
| Equity capital to assets | 8.4151% | 5,645 |
| Core capital (leverage) ratio | 8.1826% | 5,612 |
| Tier 1 risk-based capital ratio | 13.7762% | 3,734 |
| Total risk-based capital ratio | 15.1091% | 3,605 |
| Memoranda: | ||
| Average total assets | $848,234,000 | 855 |
| Average earning assets | $811,789,670 | 819 |
| Average equity | $71,032,330 | 1,114 |
| Average total loans | $693,947,330 | 724 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 3,539 |
| Cost of funding earning assets | 0.7225% | 722 |
| Net interest margin | 3.1913% | 4,610 |
| Noninterest income to average assets | 0.1887% | 5,377 |
| Noninterest expense to average assets | 1.7269% | 5,729 |
| Loan and lease loss provision to assets | 0.2139% | 907 |
| Net operating income to assets | 0.8228% | 3,134 |
| Return on assets (ROA) | 0.8228% | 3,259 |
| Pretax return on assets | 1.2986% | 2,309 |
| Return on Equity (ROE) | 9.8501% | 2,048 |
| Retained earnings to average equity (ytd only) | 4.8824% | 3,010 |
| Net charge-offs to loans | 0.0788% | 1,697 |
| Credit loss provision to net charge-offs | 335.8209% | 793 |
| Earnings coverage of net charge-offs (x) | 23.7463% | 1,354 |
| Efficiency ratio | 52.6192% | 5,478 |
| Assets per employee ($millions) | 11.2080% | 189 |
| Cash dividends to net income (ytd only)* | 50.4333% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 4,437 |
| Loan loss allowance to noncurrent loans | 194.5593% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 3,691 |
| Noncurrent loans to loans | 0.5303% | 3,596 |
| Net loans and leases to total assets | 80.5328% | 742 |
| Net loans and leases to deposits | 99.6590% | 647 |
| Net loans and leases to core deposits | 163.7246% | 75 |
| Total domestic deposits to total assets | 80.8083% | 4,553 |
| Equity capital to assets | 8.3384% | 5,670 |
| Core capital (leverage) ratio | 8.0917% | 5,724 |
| Tier 1 risk-based capital ratio | 13.8930% | 3,762 |
| Total risk-based capital ratio | 15.2281% | 3,637 |
| Memoranda: | ||
| Average total assets | $841,520,500 | 868 |
| Average earning assets | $804,435,000 | 831 |
| Average equity | $70,293,500 | 1,119 |
| Average total loans | $680,351,000 | 735 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,070 |
| Cost of funding earning assets | 0.6888% | 871 |
| Net interest margin | 3.3722% | 4,025 |
| Noninterest income to average assets | 0.1916% | 5,443 |
| Noninterest expense to average assets | 1.7540% | 5,798 |
| Loan and lease loss provision to assets | 0.2135% | 977 |
| Net operating income to assets | 0.9134% | 2,799 |
| Return on assets (ROA) | 0.9134% | 2,881 |
| Pretax return on assets | 1.4629% | 1,675 |
| Return on Equity (ROE) | 10.2006% | 1,929 |
| Retained earnings to average equity (ytd only) | 7.7584% | 996 |
| Net charge-offs to loans | 0.1311% | 2,059 |
| Credit loss provision to net charge-offs | 201.1349% | 1,382 |
| Earnings coverage of net charge-offs (x) | 15.7957% | 2,178 |
| Efficiency ratio | 50.3979% | 5,740 |
| Assets per employee ($millions) | 11.0831% | 192 |
| Cash dividends to net income (ytd only)* | 23.9414% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 4,474 |
| Loan loss allowance to noncurrent loans | 176.4584% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 3,662 |
| Noncurrent loans to loans | 0.5803% | 3,429 |
| Net loans and leases to total assets | 79.4879% | 920 |
| Net loans and leases to deposits | 99.3752% | 725 |
| Net loans and leases to core deposits | 155.3294% | 90 |
| Total domestic deposits to total assets | 79.9876% | 4,747 |
| Equity capital to assets | 8.3683% | 5,656 |
| Core capital (leverage) ratio | 8.4345% | 5,490 |
| Tier 1 risk-based capital ratio | 14.1330% | 3,649 |
| Total risk-based capital ratio | 15.4716% | 3,508 |
| Memoranda: | ||
| Average total assets | $747,226,200 | 923 |
| Average earning assets | $717,623,600 | 887 |
| Average equity | $66,908,000 | 1,135 |
| Average total loans | $605,103,800 | 767 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 3,084 |
| Cost of funding earning assets | 0.6914% | 876 |
| Net interest margin | 3.3725% | 4,072 |
| Noninterest income to average assets | 0.1986% | 5,455 |
| Noninterest expense to average assets | 1.7794% | 5,804 |
| Loan and lease loss provision to assets | 0.2157% | 886 |
| Net operating income to assets | 0.9046% | 2,940 |
| Return on assets (ROA) | 0.9046% | 3,028 |
| Pretax return on assets | 1.4489% | 1,834 |
| Return on Equity (ROE) | 9.9165% | 2,138 |
| Retained earnings to average equity (ytd only) | 6.6298% | 1,875 |
| Net charge-offs to loans | 0.1045% | 2,088 |
| Credit loss provision to net charge-offs | 254.3290% | 1,124 |
| Earnings coverage of net charge-offs (x) | 19.6257% | 1,925 |
| Efficiency ratio | 50.9142% | 5,728 |
| Assets per employee ($millions) | 10.7290% | 213 |
| Cash dividends to net income (ytd only)* | 33.1439% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 4,354 |
| Loan loss allowance to noncurrent loans | 163.9854% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 3,623 |
| Noncurrent loans to loans | 0.6560% | 3,360 |
| Net loans and leases to total assets | 79.2347% | 920 |
| Net loans and leases to deposits | 96.4451% | 963 |
| Net loans and leases to core deposits | 146.5843% | 124 |
| Total domestic deposits to total assets | 82.1552% | 4,119 |
| Equity capital to assets | 8.6967% | 5,577 |
| Core capital (leverage) ratio | 8.5934% | 5,470 |
| Tier 1 risk-based capital ratio | 14.5387% | 3,543 |
| Total risk-based capital ratio | 15.8833% | 3,413 |
| Memoranda: | ||
| Average total assets | $726,224,000 | 959 |
| Average earning assets | $698,859,500 | 920 |
| Average equity | $66,245,000 | 1,149 |
| Average total loans | $589,488,000 | 795 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 2,889 |
| Cost of funding earning assets | 0.6881% | 893 |
| Net interest margin | 3.4140% | 3,859 |
| Noninterest income to average assets | 0.2056% | 5,452 |
| Noninterest expense to average assets | 1.7932% | 5,859 |
| Loan and lease loss provision to assets | 0.2206% | 861 |
| Net operating income to assets | 0.9219% | 2,776 |
| Return on assets (ROA) | 0.9219% | 2,901 |
| Pretax return on assets | 1.4762% | 1,712 |
| Return on Equity (ROE) | 9.9357% | 2,104 |
| Retained earnings to average equity (ytd only) | 7.5676% | 1,441 |
| Net charge-offs to loans | 0.1387% | 1,669 |
| Credit loss provision to net charge-offs | 195.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,009 |
| Efficiency ratio | 50.6199% | 5,819 |
| Assets per employee ($millions) | 10.7566% | 212 |
| Cash dividends to net income (ytd only)* | 23.8344% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 4,505 |
| Loan loss allowance to noncurrent loans | 207.4709% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 4,271 |
| Noncurrent loans to loans | 0.5143% | 3,915 |
| Net loans and leases to total assets | 78.9941% | 940 |
| Net loans and leases to deposits | 97.8647% | 806 |
| Net loans and leases to core deposits | 139.2653% | 171 |
| Total domestic deposits to total assets | 80.7177% | 4,687 |
| Equity capital to assets | 8.8852% | 5,352 |
| Core capital (leverage) ratio | 9.1181% | 4,795 |
| Tier 1 risk-based capital ratio | 14.8378% | 3,455 |
| Total risk-based capital ratio | 16.1853% | 3,326 |
| Memoranda: | ||
| Average total assets | $707,227,000 | 988 |
| Average earning assets | $680,378,330 | 947 |
| Average equity | $65,622,000 | 1,169 |
| Average total loans | $576,875,330 | 814 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 2,424 |
| Cost of funding earning assets | 0.6921% | 884 |
| Net interest margin | 3.5158% | 3,368 |
| Noninterest income to average assets | 0.2654% | 5,055 |
| Noninterest expense to average assets | 1.8283% | 5,860 |
| Loan and lease loss provision to assets | 0.2338% | 736 |
| Net operating income to assets | 0.9878% | 2,319 |
| Return on assets (ROA) | 0.9878% | 2,445 |
| Pretax return on assets | 1.5822% | 1,313 |
| Return on Equity (ROE) | 10.4029% | 1,832 |
| Retained earnings to average equity (ytd only) | 5.7431% | 2,637 |
| Net charge-offs to loans | 0.1495% | 1,352 |
| Credit loss provision to net charge-offs | 189.5735% | 1,085 |
| Earnings coverage of net charge-offs (x) | 14.7251% | 1,662 |
| Efficiency ratio | 49.4146% | 5,955 |
| Assets per employee ($millions) | 9.6886% | 282 |
| Cash dividends to net income (ytd only)* | 44.7929% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 4,512 |
| Loan loss allowance to noncurrent loans | 212.7136% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 4,333 |
| Noncurrent loans to loans | 0.5179% | 4,024 |
| Net loans and leases to total assets | 81.2197% | 547 |
| Net loans and leases to deposits | 104.6931% | 345 |
| Net loans and leases to core deposits | 142.9253% | 139 |
| Total domestic deposits to total assets | 77.5788% | 5,525 |
| Equity capital to assets | 9.5684% | 4,669 |
| Core capital (leverage) ratio | 9.2605% | 4,633 |
| Tier 1 risk-based capital ratio | 15.4646% | 3,166 |
| Total risk-based capital ratio | 16.8195% | 3,054 |
| Memoranda: | ||
| Average total assets | $684,360,000 | 1,016 |
| Average earning assets | $657,710,000 | 976 |
| Average equity | $64,982,000 | 1,179 |
| Average total loans | $564,708,000 | 828 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 2,451 |
| Cost of funding earning assets | 0.6420% | 1,458 |
| Net interest margin | 3.7003% | 3,007 |
| Noninterest income to average assets | 0.1968% | 5,676 |
| Noninterest expense to average assets | 1.9418% | 5,876 |
| Loan and lease loss provision to assets | 0.2820% | 748 |
| Net operating income to assets | 0.9652% | 2,557 |
| Return on assets (ROA) | 0.9652% | 2,640 |
| Pretax return on assets | 1.5446% | 1,403 |
| Return on Equity (ROE) | 10.4622% | 1,920 |
| Retained earnings to average equity (ytd only) | 9.1357% | 681 |
| Net charge-offs to loans | 0.2010% | 2,062 |
| Credit loss provision to net charge-offs | 169.0141% | 1,445 |
| Earnings coverage of net charge-offs (x) | 10.9465% | 2,564 |
| Efficiency ratio | 50.9417% | 6,046 |
| Assets per employee ($millions) | 9.5892% | 283 |
| Cash dividends to net income (ytd only)* | 12.6786% | 4,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 4,700 |
| Loan loss allowance to noncurrent loans | 186.2080% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 4,186 |
| Noncurrent loans to loans | 0.5741% | 3,948 |
| Net loans and leases to total assets | 82.0256% | 520 |
| Net loans and leases to deposits | 102.0505% | 510 |
| Net loans and leases to core deposits | 142.7266% | 145 |
| Total domestic deposits to total assets | 80.3775% | 4,916 |
| Equity capital to assets | 9.4214% | 4,816 |
| Core capital (leverage) ratio | 9.3253% | 4,506 |
| Tier 1 risk-based capital ratio | 15.2765% | 3,328 |
| Total risk-based capital ratio | 16.6283% | 3,231 |
| Memoranda: | ||
| Average total assets | $638,218,800 | 1,049 |
| Average earning assets | $616,039,200 | 993 |
| Average equity | $58,878,600 | 1,242 |
| Average total loans | $529,944,400 | 829 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 2,333 |
| Cost of funding earning assets | 0.6271% | 1,622 |
| Net interest margin | 3.7459% | 2,837 |
| Noninterest income to average assets | 0.2220% | 5,601 |
| Noninterest expense to average assets | 1.9442% | 5,871 |
| Loan and lease loss provision to assets | 0.2868% | 699 |
| Net operating income to assets | 1.0013% | 2,446 |
| Return on assets (ROA) | 1.0013% | 2,509 |
| Pretax return on assets | 1.6119% | 1,293 |
| Return on Equity (ROE) | 10.9166% | 1,817 |
| Retained earnings to average equity (ytd only) | 9.1539% | 939 |
| Net charge-offs to loans | 0.2051% | 1,829 |
| Credit loss provision to net charge-offs | 168.3292% | 1,459 |
| Earnings coverage of net charge-offs (x) | 11.1434% | 2,463 |
| Efficiency ratio | 50.0719% | 6,098 |
| Assets per employee ($millions) | 9.2833% | 298 |
| Cash dividends to net income (ytd only)* | 16.1468% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 4,915 |
| Loan loss allowance to noncurrent loans | 187.9781% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 4,428 |
| Noncurrent loans to loans | 0.5666% | 4,222 |
| Net loans and leases to total assets | 82.4197% | 470 |
| Net loans and leases to deposits | 104.4849% | 380 |
| Net loans and leases to core deposits | 144.3883% | 129 |
| Total domestic deposits to total assets | 78.8819% | 5,354 |
| Equity capital to assets | 9.0640% | 5,285 |
| Core capital (leverage) ratio | 8.9015% | 5,196 |
| Tier 1 risk-based capital ratio | 14.7915% | 3,707 |
| Total risk-based capital ratio | 16.1471% | 3,581 |
| Memoranda: | ||
| Average total assets | $627,566,000 | 1,073 |
| Average earning assets | $606,618,750 | 1,022 |
| Average equity | $57,562,250 | 1,275 |
| Average total loans | $521,308,000 | 850 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 2,243 |
| Cost of funding earning assets | 0.6182% | 1,744 |
| Net interest margin | 3.7651% | 2,693 |
| Noninterest income to average assets | 0.0681% | 6,385 |
| Noninterest expense to average assets | 1.8909% | 6,011 |
| Loan and lease loss provision to assets | 0.2917% | 678 |
| Net operating income to assets | 0.9503% | 2,550 |
| Return on assets (ROA) | 0.9503% | 2,645 |
| Pretax return on assets | 1.5334% | 1,448 |
| Return on Equity (ROE) | 10.3175% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.1767% | 682 |
| Net charge-offs to loans | 0.2347% | 1,635 |
| Credit loss provision to net charge-offs | 149.7504% | 1,459 |
| Earnings coverage of net charge-offs (x) | 9.3694% | 2,368 |
| Efficiency ratio | 50.8853% | 6,130 |
| Assets per employee ($millions) | 9.3182% | 294 |
| Cash dividends to net income (ytd only)* | 1.3643% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 5,070 |
| Loan loss allowance to noncurrent loans | 173.2054% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 4,479 |
| Noncurrent loans to loans | 0.6123% | 4,188 |
| Net loans and leases to total assets | 82.4198% | 427 |
| Net loans and leases to deposits | 107.9985% | 249 |
| Net loans and leases to core deposits | 152.4643% | 94 |
| Total domestic deposits to total assets | 76.3157% | 5,879 |
| Equity capital to assets | 9.2523% | 5,032 |
| Core capital (leverage) ratio | 9.3291% | 4,554 |
| Tier 1 risk-based capital ratio | 15.4632% | 3,373 |
| Total risk-based capital ratio | 16.8216% | 3,270 |
| Memoranda: | ||
| Average total assets | $617,050,670 | 1,091 |
| Average earning assets | $597,852,670 | 1,034 |
| Average equity | $56,835,670 | 1,279 |
| Average total loans | $512,048,670 | 866 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 2,390 |
| Cost of funding earning assets | 0.5995% | 1,973 |
| Net interest margin | 3.7354% | 2,723 |
| Noninterest income to average assets | 0.0158% | 6,579 |
| Noninterest expense to average assets | 1.8280% | 6,184 |
| Loan and lease loss provision to assets | 0.2957% | 658 |
| Net operating income to assets | 0.9416% | 2,446 |
| Return on assets (ROA) | 0.9416% | 2,518 |
| Pretax return on assets | 1.5277% | 1,345 |
| Return on Equity (ROE) | 10.2466% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.1036% | 932 |
| Net charge-offs to loans | 0.2349% | 1,380 |
| Credit loss provision to net charge-offs | 152.0270% | 1,245 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 1,937 |
| Efficiency ratio | 50.0630% | 6,250 |
| Assets per employee ($millions) | 11.3287% | 163 |
| Cash dividends to net income (ytd only)* | 1.3957% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 5,276 |
| Loan loss allowance to noncurrent loans | 193.8855% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 4,507 |
| Noncurrent loans to loans | 0.5490% | 4,515 |
| Net loans and leases to total assets | 81.3547% | 414 |
| Net loans and leases to deposits | 107.0199% | 212 |
| Net loans and leases to core deposits | 145.7319% | 108 |
| Total domestic deposits to total assets | 76.0183% | 6,075 |
| Equity capital to assets | 9.1333% | 4,963 |
| Core capital (leverage) ratio | 9.4426% | 4,358 |
| Tier 1 risk-based capital ratio | 15.9017% | 3,219 |
| Total risk-based capital ratio | 17.2663% | 3,116 |
| Memoranda: | ||
| Average total assets | $608,756,000 | 1,111 |
| Average earning assets | $592,490,000 | 1,054 |
| Average equity | $55,940,500 | 1,294 |
| Average total loans | $504,151,500 | 878 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 2,038 |
| Cost of funding earning assets | 0.6548% | 2,170 |
| Net interest margin | 3.8935% | 2,307 |
| Noninterest income to average assets | 0.0624% | 6,516 |
| Noninterest expense to average assets | 1.8836% | 6,211 |
| Loan and lease loss provision to assets | 0.6201% | 393 |
| Net operating income to assets | 0.8207% | 3,185 |
| Return on assets (ROA) | 0.8207% | 3,279 |
| Pretax return on assets | 1.3443% | 1,990 |
| Return on Equity (ROE) | 8.9140% | 2,588 |
| Retained earnings to average equity (ytd only) | 6.3624% | 1,764 |
| Net charge-offs to loans | 0.3506% | 1,929 |
| Credit loss provision to net charge-offs | 219.1474% | 1,054 |
| Earnings coverage of net charge-offs (x) | 6.9422% | 2,949 |
| Efficiency ratio | 48.9506% | 6,444 |
| Assets per employee ($millions) | 10.6149% | 194 |
| Cash dividends to net income (ytd only)* | 28.6248% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 5,280 |
| Loan loss allowance to noncurrent loans | 180.0272% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 4,416 |
| Noncurrent loans to loans | 0.5936% | 4,503 |
| Net loans and leases to total assets | 82.5400% | 362 |
| Net loans and leases to deposits | 111.9530% | 142 |
| Net loans and leases to core deposits | 165.5193% | 63 |
| Total domestic deposits to total assets | 73.7274% | 6,303 |
| Equity capital to assets | 9.2480% | 4,748 |
| Core capital (leverage) ratio | 9.5503% | 4,190 |
| Tier 1 risk-based capital ratio | 16.1148% | 3,052 |
| Total risk-based capital ratio | 17.4839% | 2,945 |
| Memoranda: | ||
| Average total assets | $489,111,000 | 1,357 |
| Average earning assets | $475,556,800 | 1,282 |
| Average equity | $45,030,200 | 1,551 |
| Average total loans | $394,754,400 | 1,090 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 2,125 |
| Cost of funding earning assets | 0.6710% | 2,167 |
| Net interest margin | 3.8572% | 2,432 |
| Noninterest income to average assets | 0.0596% | 6,603 |
| Noninterest expense to average assets | 1.9485% | 6,099 |
| Loan and lease loss provision to assets | 0.5045% | 538 |
| Net operating income to assets | 0.8269% | 3,219 |
| Return on assets (ROA) | 0.8269% | 3,337 |
| Pretax return on assets | 1.3547% | 2,098 |
| Return on Equity (ROE) | 8.9943% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.8062% | 1,119 |
| Net charge-offs to loans | 0.3003% | 2,032 |
| Credit loss provision to net charge-offs | 210.4567% | 1,150 |
| Earnings coverage of net charge-offs (x) | 7.7560% | 2,737 |
| Efficiency ratio | 51.1728% | 6,319 |
| Assets per employee ($millions) | 10.4877% | 203 |
| Cash dividends to net income (ytd only)* | 2.0906% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 5,802 |
| Loan loss allowance to noncurrent loans | 205.8559% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 5,246 |
| Noncurrent loans to loans | 0.4765% | 5,005 |
| Net loans and leases to total assets | 79.9720% | 548 |
| Net loans and leases to deposits | 112.8152% | 123 |
| Net loans and leases to core deposits | 158.1875% | 75 |
| Total domestic deposits to total assets | 70.8876% | 6,552 |
| Equity capital to assets | 7.6086% | 6,350 |
| Core capital (leverage) ratio | 8.7487% | 5,479 |
| Tier 1 risk-based capital ratio | 13.4129% | 4,826 |
| Total risk-based capital ratio | 14.7849% | 4,690 |
| Memoranda: | ||
| Average total assets | $462,780,750 | 1,434 |
| Average earning assets | $449,681,500 | 1,362 |
| Average equity | $42,544,500 | 1,658 |
| Average total loans | $369,457,000 | 1,153 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 1,665 |
| Cost of funding earning assets | 0.7171% | 1,941 |
| Net interest margin | 3.9472% | 2,054 |
| Noninterest income to average assets | 0.0673% | 6,616 |
| Noninterest expense to average assets | 2.0811% | 5,902 |
| Loan and lease loss provision to assets | 0.3913% | 809 |
| Net operating income to assets | 0.8739% | 2,937 |
| Return on assets (ROA) | 0.8739% | 3,086 |
| Pretax return on assets | 1.4309% | 1,833 |
| Return on Equity (ROE) | 8.8178% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.6278% | 1,249 |
| Net charge-offs to loans | 0.3670% | 1,738 |
| Credit loss provision to net charge-offs | 134.2488% | 1,688 |
| Earnings coverage of net charge-offs (x) | 6.2520% | 2,750 |
| Efficiency ratio | 53.3172% | 6,197 |
| Assets per employee ($millions) | 8.4424% | 389 |
| Cash dividends to net income (ytd only)* | 2.1552% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,251 |
| Loan loss allowance to noncurrent loans | 163.1334% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 4,893 |
| Noncurrent loans to loans | 0.7042% | 4,527 |
| Net loans and leases to total assets | 75.7166% | 1,014 |
| Net loans and leases to deposits | 96.7010% | 624 |
| Net loans and leases to core deposits | 126.6201% | 215 |
| Total domestic deposits to total assets | 78.2997% | 5,924 |
| Equity capital to assets | 9.8712% | 4,094 |
| Core capital (leverage) ratio | 10.1758% | 3,270 |
| Tier 1 risk-based capital ratio | 16.7985% | 2,791 |
| Total risk-based capital ratio | 18.2059% | 2,704 |
| Memoranda: | ||
| Average total assets | $424,766,670 | 1,570 |
| Average earning assets | $412,794,000 | 1,478 |
| Average equity | $42,096,670 | 1,677 |
| Average total loans | $337,320,330 | 1,259 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8177% | 1,250 |
| Cost of funding earning assets | 0.7460% | 1,880 |
| Net interest margin | 4.0718% | 1,556 |
| Noninterest income to average assets | 0.0584% | 6,703 |
| Noninterest expense to average assets | 2.0323% | 6,040 |
| Loan and lease loss provision to assets | 0.5076% | 530 |
| Net operating income to assets | 0.8984% | 2,665 |
| Return on assets (ROA) | 0.8984% | 2,816 |
| Pretax return on assets | 1.4759% | 1,632 |
| Return on Equity (ROE) | 9.0459% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.8530% | 1,433 |
| Net charge-offs to loans | 0.3931% | 1,474 |
| Credit loss provision to net charge-offs | 159.6386% | 1,299 |
| Earnings coverage of net charge-offs (x) | 6.2380% | 2,251 |
| Efficiency ratio | 50.6082% | 6,467 |
| Assets per employee ($millions) | 8.7524% | 350 |
| Cash dividends to net income (ytd only)* | 2.1322% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 5,406 |
| Loan loss allowance to noncurrent loans | 101.7446% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 4,056 |
| Noncurrent loans to loans | 1.1310% | 3,895 |
| Net loans and leases to total assets | 78.7017% | 541 |
| Net loans and leases to deposits | 98.7112% | 410 |
| Net loans and leases to core deposits | 118.7467% | 301 |
| Total domestic deposits to total assets | 79.7293% | 5,814 |
| Equity capital to assets | 10.2722% | 3,829 |
| Core capital (leverage) ratio | 10.1505% | 3,217 |
| Tier 1 risk-based capital ratio | 16.8103% | 2,856 |
| Total risk-based capital ratio | 18.2213% | 2,739 |
| Memoranda: | ||
| Average total assets | $417,648,500 | 1,606 |
| Average earning assets | $405,917,500 | 1,511 |
| Average equity | $41,477,500 | 1,730 |
| Average total loans | $337,850,000 | 1,255 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 1,417 |
| Cost of funding earning assets | 0.9106% | 1,878 |
| Net interest margin | 4.1450% | 1,839 |
| Noninterest income to average assets | 0.0317% | 6,748 |
| Noninterest expense to average assets | 2.1198% | 6,084 |
| Loan and lease loss provision to assets | 0.7823% | 626 |
| Net operating income to assets | 0.6751% | 3,855 |
| Return on assets (ROA) | 0.6751% | 4,130 |
| Pretax return on assets | 1.0967% | 3,169 |
| Return on Equity (ROE) | 6.6392% | 3,845 |
| Retained earnings to average equity (ytd only) | 1.4010% | 5,175 |
| Net charge-offs to loans | 0.7434% | 1,580 |
| Credit loss provision to net charge-offs | 129.7532% | 2,163 |
| Earnings coverage of net charge-offs (x) | 3.1165% | 3,876 |
| Efficiency ratio | 53.0113% | 6,369 |
| Assets per employee ($millions) | 8.6497% | 373 |
| Cash dividends to net income (ytd only)* | 78.8980% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 5,674 |
| Loan loss allowance to noncurrent loans | 81.2055% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0973% | 3,816 |
| Noncurrent loans to loans | 1.3176% | 3,634 |
| Net loans and leases to total assets | 81.3047% | 376 |
| Net loans and leases to deposits | 101.2001% | 365 |
| Net loans and leases to core deposits | 121.0384% | 269 |
| Total domestic deposits to total assets | 80.3405% | 5,582 |
| Equity capital to assets | 9.5861% | 4,767 |
| Core capital (leverage) ratio | 9.4257% | 4,218 |
| Tier 1 risk-based capital ratio | 15.4891% | 3,426 |
| Total risk-based capital ratio | 16.8996% | 3,305 |
| Memoranda: | ||
| Average total assets | $362,919,600 | 1,792 |
| Average earning assets | $347,334,800 | 1,715 |
| Average equity | $36,901,800 | 1,882 |
| Average total loans | $294,307,200 | 1,425 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0685% | 1,504 |
| Cost of funding earning assets | 0.9358% | 1,949 |
| Net interest margin | 4.1327% | 1,962 |
| Noninterest income to average assets | 0.0271% | 6,871 |
| Noninterest expense to average assets | 2.1567% | 6,044 |
| Loan and lease loss provision to assets | 0.7336% | 681 |
| Net operating income to assets | 0.6627% | 4,078 |
| Return on assets (ROA) | 0.6627% | 4,347 |
| Pretax return on assets | 1.0766% | 3,440 |
| Return on Equity (ROE) | 6.4090% | 4,113 |
| Retained earnings to average equity (ytd only) | 2.7604% | 4,900 |
| Net charge-offs to loans | 0.7913% | 1,395 |
| Credit loss provision to net charge-offs | 114.7883% | 2,541 |
| Earnings coverage of net charge-offs (x) | 2.8324% | 3,905 |
| Efficiency ratio | 54.3664% | 6,215 |
| Assets per employee ($millions) | 8.6322% | 378 |
| Cash dividends to net income (ytd only)* | 56.9294% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 6,073 |
| Loan loss allowance to noncurrent loans | 70.1879% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 3,883 |
| Noncurrent loans to loans | 1.4266% | 3,659 |
| Net loans and leases to total assets | 79.1777% | 582 |
| Net loans and leases to deposits | 98.3652% | 522 |
| Net loans and leases to core deposits | 117.3418% | 359 |
| Total domestic deposits to total assets | 80.4937% | 5,517 |
| Equity capital to assets | 9.1153% | 5,692 |
| Core capital (leverage) ratio | 9.2729% | 4,636 |
| Tier 1 risk-based capital ratio | 14.6171% | 4,104 |
| Total risk-based capital ratio | 16.0295% | 3,950 |
| Memoranda: | ||
| Average total assets | $349,853,500 | 1,869 |
| Average earning assets | $333,530,000 | 1,797 |
| Average equity | $36,177,250 | 1,934 |
| Average total loans | $282,580,250 | 1,492 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1646% | 1,344 |
| Cost of funding earning assets | 0.9554% | 2,033 |
| Net interest margin | 4.2092% | 1,726 |
| Noninterest income to average assets | 0.0362% | 6,903 |
| Noninterest expense to average assets | 2.2117% | 5,967 |
| Loan and lease loss provision to assets | 0.7397% | 705 |
| Net operating income to assets | 0.6594% | 4,066 |
| Return on assets (ROA) | 0.6594% | 4,324 |
| Pretax return on assets | 1.0699% | 3,419 |
| Return on Equity (ROE) | 6.0820% | 4,288 |
| Retained earnings to average equity (ytd only) | 0.5681% | 5,837 |
| Net charge-offs to loans | 0.6329% | 1,737 |
| Credit loss provision to net charge-offs | 144.1176% | 1,923 |
| Earnings coverage of net charge-offs (x) | 3.5259% | 3,342 |
| Efficiency ratio | 55.0000% | 6,230 |
| Assets per employee ($millions) | 8.0703% | 456 |
| Cash dividends to net income (ytd only)* | 90.6593% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 5,815 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 4,836 |
| Noncurrent loans to loans | 0.8297% | 4,859 |
| Net loans and leases to total assets | 82.3628% | 316 |
| Net loans and leases to deposits | 108.5199% | 173 |
| Net loans and leases to core deposits | 137.9868% | 159 |
| Total domestic deposits to total assets | 75.8965% | 6,477 |
| Equity capital to assets | 9.7613% | 4,683 |
| Core capital (leverage) ratio | 10.0941% | 3,287 |
| Tier 1 risk-based capital ratio | 15.0345% | 3,751 |
| Total risk-based capital ratio | 16.4642% | 3,588 |
| Memoranda: | ||
| Average total assets | $331,233,000 | 1,962 |
| Average earning assets | $313,598,000 | 1,906 |
| Average equity | $35,909,000 | 1,935 |
| Average total loans | $268,612,000 | 1,550 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 1,236 |
| Cost of funding earning assets | 0.9438% | 2,350 |
| Net interest margin | 4.2940% | 1,484 |
| Noninterest income to average assets | 0.0308% | 7,005 |
| Noninterest expense to average assets | 2.2401% | 5,938 |
| Loan and lease loss provision to assets | 0.8033% | 614 |
| Net operating income to assets | 0.6400% | 4,174 |
| Return on assets (ROA) | 0.6400% | 4,384 |
| Pretax return on assets | 1.0397% | 3,536 |
| Return on Equity (ROE) | 5.5728% | 4,516 |
| Retained earnings to average equity (ytd only) | -5.5057% | 6,618 |
| Net charge-offs to loans | 0.6636% | 1,476 |
| Credit loss provision to net charge-offs | 151.6990% | 1,649 |
| Earnings coverage of net charge-offs (x) | 3.4806% | 2,825 |
| Efficiency ratio | 54.8631% | 6,246 |
| Assets per employee ($millions) | 7.2088% | 677 |
| Cash dividends to net income (ytd only)* | 198.7952% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 5,391 |
| Loan loss allowance to noncurrent loans | 98.8920% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 4,333 |
| Noncurrent loans to loans | 1.2357% | 4,272 |
| Net loans and leases to total assets | 78.3192% | 558 |
| Net loans and leases to deposits | 103.4239% | 271 |
| Net loans and leases to core deposits | 138.9176% | 153 |
| Total domestic deposits to total assets | 75.7264% | 6,578 |
| Equity capital to assets | 10.7051% | 3,264 |
| Core capital (leverage) ratio | 10.9748% | 2,277 |
| Tier 1 risk-based capital ratio | 16.6420% | 2,845 |
| Total risk-based capital ratio | 18.0960% | 2,695 |
| Memoranda: | ||
| Average total assets | $311,233,000 | 2,090 |
| Average earning assets | $293,711,000 | 2,028 |
| Average equity | $35,745,000 | 1,945 |
| Average total loans | $248,351,500 | 1,672 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 2,469 |
| Cost of funding earning assets | 1.0539% | 2,993 |
| Net interest margin | 4.0424% | 2,669 |
| Noninterest income to average assets | 0.0785% | 6,721 |
| Noninterest expense to average assets | 2.4798% | 5,536 |
| Loan and lease loss provision to assets | 0.6946% | 1,473 |
| Net operating income to assets | 1.3065% | 1,231 |
| Return on assets (ROA) | 1.9066% | 399 |
| Pretax return on assets | 1.3534% | 1,938 |
| Return on Equity (ROE) | 18.0158% | 380 |
| Retained earnings to average equity (ytd only) | 18.0158% | 71 |
| Net charge-offs to loans | 0.5989% | 2,653 |
| Credit loss provision to net charge-offs | 150.4839% | 1,874 |
| Earnings coverage of net charge-offs (x) | 3.1371% | 3,644 |
| Efficiency ratio | 63.1350% | 5,274 |
| Assets per employee ($millions) | 6.4635% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 5,002 |
| Loan loss allowance to noncurrent loans | 86.0132% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 4,075 |
| Noncurrent loans to loans | 1.4924% | 3,912 |
| Net loans and leases to total assets | 79.3433% | 560 |
| Net loans and leases to deposits | 109.9587% | 172 |
| Net loans and leases to core deposits | 142.8014% | 162 |
| Total domestic deposits to total assets | 72.1573% | 6,865 |
| Equity capital to assets | 12.3740% | 1,870 |
| Core capital (leverage) ratio | 12.0687% | 1,555 |
| Tier 1 risk-based capital ratio | 18.4176% | 2,074 |
| Total risk-based capital ratio | 19.9080% | 1,970 |
| Memoranda: | ||
| Average total assets | $268,651,800 | 2,348 |
| Average earning assets | $255,814,600 | 2,263 |
| Average equity | $28,430,600 | 2,300 |
| Average total loans | $207,040,000 | 1,979 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0695% | 2,755 |
| Cost of funding earning assets | 1.0637% | 3,217 |
| Net interest margin | 4.0058% | 2,891 |
| Noninterest income to average assets | 0.0841% | 6,821 |
| Noninterest expense to average assets | 2.4467% | 5,639 |
| Loan and lease loss provision to assets | 0.6208% | 1,581 |
| Net operating income to assets | 0.8240% | 3,048 |
| Return on assets (ROA) | 1.6409% | 783 |
| Pretax return on assets | 1.6409% | 1,276 |
| Return on Equity (ROE) | 16.2666% | 643 |
| Retained earnings to average equity (ytd only) | 16.2666% | 167 |
| Net charge-offs to loans | 0.5517% | 2,584 |
| Credit loss provision to net charge-offs | 147.7684% | 2,125 |
| Earnings coverage of net charge-offs (x) | 3.4391% | 3,436 |
| Efficiency ratio | 62.8728% | 5,265 |
| Assets per employee ($millions) | 6.3344% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 5,234 |
| Loan loss allowance to noncurrent loans | 92.2411% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.1517% | 4,486 |
| Noncurrent loans to loans | 1.3578% | 4,272 |
| Net loans and leases to total assets | 78.3567% | 676 |
| Net loans and leases to deposits | 109.4747% | 185 |
| Net loans and leases to core deposits | 142.1113% | 171 |
| Total domestic deposits to total assets | 71.5752% | 6,960 |
| Equity capital to assets | 12.2491% | 2,056 |
| Core capital (leverage) ratio | 12.4824% | 1,444 |
| Tier 1 risk-based capital ratio | 18.4768% | 2,096 |
| Total risk-based capital ratio | 19.9829% | 1,976 |
| Memoranda: | ||
| Average total assets | $263,100,000 | 2,415 |
| Average earning assets | $250,063,500 | 2,321 |
| Average equity | $26,540,500 | 2,439 |
| Average total loans | $200,355,500 | 2,061 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 3,357 |
| Cost of funding earning assets | 1.0649% | 3,510 |
| Net interest margin | 3.8947% | 3,332 |
| Noninterest income to average assets | 0.0861% | 6,896 |
| Noninterest expense to average assets | 2.5251% | 5,442 |
| Loan and lease loss provision to assets | 0.5196% | 1,884 |
| Net operating income to assets | 0.7654% | 3,219 |
| Return on assets (ROA) | 0.8329% | 3,049 |
| Pretax return on assets | 0.8329% | 3,899 |
| Return on Equity (ROE) | 8.9473% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.9473% | 1,123 |
| Net charge-offs to loans | 0.5615% | 2,424 |
| Credit loss provision to net charge-offs | 123.3886% | 2,468 |
| Earnings coverage of net charge-offs (x) | 3.0516% | 3,327 |
| Efficiency ratio | 66.2732% | 4,823 |
| Assets per employee ($millions) | 5.7176% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,309 |
| Loan loss allowance to noncurrent loans | 84.9524% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2182% | 4,459 |
| Noncurrent loans to loans | 1.4717% | 4,216 |
| Net loans and leases to total assets | 75.1088% | 1,227 |
| Net loans and leases to deposits | 97.5988% | 615 |
| Net loans and leases to core deposits | 129.0464% | 285 |
| Total domestic deposits to total assets | 76.9567% | 6,456 |
| Equity capital to assets | 9.6160% | 4,639 |
| Core capital (leverage) ratio | 8.9021% | 4,873 |
| Tier 1 risk-based capital ratio | 13.8228% | 4,292 |
| Total risk-based capital ratio | 15.3463% | 4,067 |
| Memoranda: | ||
| Average total assets | $257,895,330 | 2,478 |
| Average earning assets | $246,588,670 | 2,360 |
| Average equity | $24,007,330 | 2,661 |
| Average total loans | $193,420,330 | 2,146 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 3,316 |
| Cost of funding earning assets | 1.0763% | 3,684 |
| Net interest margin | 3.8771% | 3,262 |
| Noninterest income to average assets | 0.1034% | 6,894 |
| Noninterest expense to average assets | 2.5754% | 5,315 |
| Loan and lease loss provision to assets | 0.4151% | 2,115 |
| Net operating income to assets | 0.8146% | 2,955 |
| Return on assets (ROA) | 0.8146% | 3,015 |
| Pretax return on assets | 0.8146% | 3,850 |
| Return on Equity (ROE) | 8.9020% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.9020% | 1,409 |
| Net charge-offs to loans | 0.4924% | 2,245 |
| Credit loss provision to net charge-offs | 113.2479% | 2,372 |
| Earnings coverage of net charge-offs (x) | 3.3547% | 2,768 |
| Efficiency ratio | 67.6822% | 4,716 |
| Assets per employee ($millions) | 5.8655% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 5,334 |
| Loan loss allowance to noncurrent loans | 82.9024% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 4,495 |
| Noncurrent loans to loans | 1.5216% | 4,191 |
| Net loans and leases to total assets | 72.9421% | 1,527 |
| Net loans and leases to deposits | 97.0837% | 617 |
| Net loans and leases to core deposits | 120.2827% | 409 |
| Total domestic deposits to total assets | 75.1333% | 6,771 |
| Equity capital to assets | 9.1633% | 4,929 |
| Core capital (leverage) ratio | 8.8688% | 4,821 |
| Tier 1 risk-based capital ratio | 13.8827% | 4,150 |
| Total risk-based capital ratio | 15.4166% | 3,929 |
| Memoranda: | ||
| Average total assets | $255,338,500 | 2,518 |
| Average earning assets | $243,793,500 | 2,410 |
| Average equity | $23,365,500 | 2,706 |
| Average total loans | $190,108,500 | 2,201 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 4,333 |
| Cost of funding earning assets | 1.4538% | 2,936 |
| Net interest margin | 3.5933% | 4,855 |
| Noninterest income to average assets | 0.0820% | 6,980 |
| Noninterest expense to average assets | 2.7083% | 4,954 |
| Loan and lease loss provision to assets | 0.5127% | 3,101 |
| Net operating income to assets | 0.1884% | 5,305 |
| Return on assets (ROA) | 0.5601% | 4,007 |
| Pretax return on assets | 0.5601% | 4,449 |
| Return on Equity (ROE) | 6.0998% | 3,572 |
| Retained earnings to average equity (ytd only) | 6.0998% | 1,765 |
| Net charge-offs to loans | 0.3445% | 4,289 |
| Credit loss provision to net charge-offs | 210.0539% | 1,461 |
| Earnings coverage of net charge-offs (x) | 2.8725% | 3,635 |
| Efficiency ratio | 79.4344% | 2,493 |
| Assets per employee ($millions) | 5.7408% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 5,243 |
| Loan loss allowance to noncurrent loans | 77.0529% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.3346% | 4,352 |
| Noncurrent loans to loans | 1.6253% | 4,067 |
| Net loans and leases to total assets | 74.1058% | 1,641 |
| Net loans and leases to deposits | 91.8745% | 1,277 |
| Net loans and leases to core deposits | 104.7441% | 1,267 |
| Total domestic deposits to total assets | 80.6598% | 5,636 |
| Equity capital to assets | 9.1380% | 4,933 |
| Core capital (leverage) ratio | 8.5958% | 5,200 |
| Tier 1 risk-based capital ratio | 13.8296% | 3,976 |
| Total risk-based capital ratio | 15.4022% | 3,724 |
| Memoranda: | ||
| Average total assets | $228,185,200 | 2,779 |
| Average earning assets | $211,309,800 | 2,739 |
| Average equity | $20,951,600 | 3,014 |
| Average total loans | $161,680,600 | 2,596 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 4,796 |
| Cost of funding earning assets | 1.4981% | 2,993 |
| Net interest margin | 3.5060% | 5,269 |
| Noninterest income to average assets | 0.0835% | 7,119 |
| Noninterest expense to average assets | 2.7082% | 4,846 |
| Loan and lease loss provision to assets | 0.5673% | 2,667 |
| Net operating income to assets | 0.0282% | 5,939 |
| Return on assets (ROA) | 0.5373% | 4,319 |
| Pretax return on assets | 0.5373% | 4,802 |
| Return on Equity (ROE) | 5.8441% | 3,888 |
| Retained earnings to average equity (ytd only) | 5.8441% | 2,446 |
| Net charge-offs to loans | 0.3327% | 3,997 |
| Credit loss provision to net charge-offs | 244.8187% | 1,370 |
| Earnings coverage of net charge-offs (x) | 2.5700% | 3,867 |
| Efficiency ratio | 81.9735% | 2,062 |
| Assets per employee ($millions) | 5.7358% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,921 |
| Loan loss allowance to noncurrent loans | 76.5677% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.3670% | 4,439 |
| Noncurrent loans to loans | 1.7078% | 4,077 |
| Net loans and leases to total assets | 69.3823% | 2,883 |
| Net loans and leases to deposits | 85.9044% | 2,365 |
| Net loans and leases to core deposits | 102.4383% | 1,608 |
| Total domestic deposits to total assets | 80.7669% | 5,461 |
| Equity capital to assets | 9.3154% | 5,112 |
| Core capital (leverage) ratio | 8.5932% | 5,357 |
| Tier 1 risk-based capital ratio | 14.4498% | 3,535 |
| Total risk-based capital ratio | 16.2129% | 3,254 |
| Memoranda: | ||
| Average total assets | $222,083,250 | 2,883 |
| Average earning assets | $203,990,500 | 2,869 |
| Average equity | $20,419,000 | 3,133 |
| Average total loans | $154,710,750 | 2,733 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 5,025 |
| Cost of funding earning assets | 1.5012% | 3,254 |
| Net interest margin | 3.4803% | 5,323 |
| Noninterest income to average assets | 0.0830% | 7,173 |
| Noninterest expense to average assets | 2.7285% | 4,796 |
| Loan and lease loss provision to assets | 0.3727% | 3,474 |
| Net operating income to assets | 0.1840% | 5,618 |
| Return on assets (ROA) | 0.5632% | 4,175 |
| Pretax return on assets | 0.5632% | 4,693 |
| Return on Equity (ROE) | 6.1582% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.1582% | 2,247 |
| Net charge-offs to loans | 0.3289% | 3,679 |
| Credit loss provision to net charge-offs | 163.2231% | 2,419 |
| Earnings coverage of net charge-offs (x) | 2.4380% | 3,776 |
| Efficiency ratio | 83.0557% | 2,037 |
| Assets per employee ($millions) | 5.4580% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 5,264 |
| Loan loss allowance to noncurrent loans | 67.1108% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.4041% | 4,365 |
| Noncurrent loans to loans | 1.8401% | 3,949 |
| Net loans and leases to total assets | 63.7416% | 4,310 |
| Net loans and leases to deposits | 81.4988% | 3,338 |
| Net loans and leases to core deposits | 96.8112% | 2,347 |
| Total domestic deposits to total assets | 78.2116% | 6,222 |
| Equity capital to assets | 9.0335% | 5,396 |
| Core capital (leverage) ratio | 9.4279% | 3,922 |
| Tier 1 risk-based capital ratio | 15.0957% | 3,109 |
| Total risk-based capital ratio | 16.8948% | 2,791 |
| Memoranda: | ||
| Average total assets | $211,985,330 | 3,031 |
| Average earning assets | $195,041,670 | 3,005 |
| Average equity | $19,388,670 | 3,254 |
| Average total loans | $147,139,330 | 2,881 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 4,846 |
| Cost of funding earning assets | 1.5049% | 3,522 |
| Net interest margin | 3.5331% | 5,023 |
| Noninterest income to average assets | 0.0707% | 7,357 |
| Noninterest expense to average assets | 2.8337% | 4,354 |
| Loan and lease loss provision to assets | 0.3941% | 3,005 |
| Net operating income to assets | 0.1314% | 5,922 |
| Return on assets (ROA) | 0.1354% | 6,028 |
| Pretax return on assets | 0.1354% | 6,048 |
| Return on Equity (ROE) | 1.4696% | 5,970 |
| Retained earnings to average equity (ytd only) | 1.4696% | 5,209 |
| Net charge-offs to loans | 0.4078% | 2,820 |
| Credit loss provision to net charge-offs | 133.5616% | 2,647 |
| Earnings coverage of net charge-offs (x) | 1.7808% | 3,666 |
| Efficiency ratio | 84.3562% | 1,992 |
| Assets per employee ($millions) | 4.8311% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 5,374 |
| Loan loss allowance to noncurrent loans | 51.3330% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 1.9477% | 3,564 |
| Noncurrent loans to loans | 2.3839% | 3,292 |
| Net loans and leases to total assets | 70.3288% | 2,853 |
| Net loans and leases to deposits | 91.6527% | 1,663 |
| Net loans and leases to core deposits | 110.5053% | 1,240 |
| Total domestic deposits to total assets | 76.7340% | 6,616 |
| Equity capital to assets | 8.4275% | 6,114 |
| Core capital (leverage) ratio | 8.7745% | 4,895 |
| Tier 1 risk-based capital ratio | 13.4147% | 4,037 |
| Total risk-based capital ratio | 15.2539% | 3,616 |
| Memoranda: | ||
| Average total assets | $197,902,500 | 3,246 |
| Average earning assets | $184,200,500 | 3,200 |
| Average equity | $18,236,000 | 3,446 |
| Average total loans | $143,214,000 | 3,021 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 6,624 |
| Cost of funding earning assets | 2.1866% | 2,094 |
| Net interest margin | 2.7504% | 7,142 |
| Noninterest income to average assets | 0.3098% | 5,861 |
| Noninterest expense to average assets | 4.6169% | 705 |
| Loan and lease loss provision to assets | 2.2722% | 903 |
| Net operating income to assets | -4.0593% | 7,615 |
| Return on assets (ROA) | -4.0593% | 7,612 |
| Pretax return on assets | -4.0593% | 7,539 |
| Return on Equity (ROE) | -30.3628% | 7,411 |
| Retained earnings to average equity (ytd only) | -30.3628% | 7,396 |
| Net charge-offs to loans | 1.8284% | 1,360 |
| Credit loss provision to net charge-offs | 165.4384% | 2,636 |
| Earnings coverage of net charge-offs (x) | -1.3011% | 6,929 |
| Efficiency ratio | 155.2266% | 280 |
| Assets per employee ($millions) | 4.8223% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 4,934 |
| Loan loss allowance to noncurrent loans | 66.2528% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.6941% | 3,823 |
| Noncurrent loans to loans | 1.9189% | 3,775 |
| Net loans and leases to total assets | 72.7173% | 2,577 |
| Net loans and leases to deposits | 95.5835% | 1,378 |
| Net loans and leases to core deposits | 169.1817% | 242 |
| Total domestic deposits to total assets | 76.0773% | 6,665 |
| Equity capital to assets | 10.0841% | 3,640 |
| Core capital (leverage) ratio | 11.2501% | 2,073 |
| Tier 1 risk-based capital ratio | 16.1540% | 2,448 |
| Total risk-based capital ratio | 17.4073% | 2,385 |
| Memoranda: | ||
| Average total assets | $114,601,800 | 4,704 |
| Average earning assets | $105,003,200 | 4,704 |
| Average equity | $15,321,400 | 4,009 |
| Average total loans | $86,085,600 | 4,326 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 7,218 |
| Cost of funding earning assets | 2.4448% | 1,471 |
| Net interest margin | 2.2980% | 7,645 |
| Noninterest income to average assets | 0.4129% | 5,188 |
| Noninterest expense to average assets | 5.3894% | 390 |
| Loan and lease loss provision to assets | 2.6933% | 589 |
| Net operating income to assets | -5.5668% | 7,895 |
| Return on assets (ROA) | -5.5668% | 7,892 |
| Pretax return on assets | -5.5668% | 7,874 |
| Return on Equity (ROE) | -37.1757% | 7,724 |
| Retained earnings to average equity (ytd only) | -37.1757% | 7,716 |
| Net charge-offs to loans | 2.0444% | 956 |
| Credit loss provision to net charge-offs | 173.7265% | 2,669 |
| Earnings coverage of net charge-offs (x) | -1.8534% | 6,729 |
| Efficiency ratio | 200.0551% | 153 |
| Assets per employee ($millions) | 3.9166% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 3,763 |
| Loan loss allowance to noncurrent loans | 106.0668% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.4043% | 4,295 |
| Noncurrent loans to loans | 1.3529% | 4,669 |
| Net loans and leases to total assets | 75.8032% | 2,030 |
| Net loans and leases to deposits | 97.0173% | 1,438 |
| Net loans and leases to core deposits | 181.0560% | 180 |
| Total domestic deposits to total assets | 78.1337% | 6,042 |
| Equity capital to assets | 13.9498% | 1,321 |
| Core capital (leverage) ratio | 16.8079% | 580 |
| Tier 1 risk-based capital ratio | 22.3571% | 1,183 |
| Total risk-based capital ratio | 23.6132% | 1,164 |
| Memoranda: | ||
| Average total assets | $96,235,250 | 5,234 |
| Average earning assets | $88,075,000 | 5,230 |
| Average equity | $14,410,500 | 4,206 |
| Average total loans | $72,977,250 | 4,811 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 7,445 |
| Cost of funding earning assets | 2.8429% | 707 |
| Net interest margin | 1.8192% | 7,932 |
| Noninterest income to average assets | 0.7059% | 2,955 |
| Noninterest expense to average assets | 6.6015% | 260 |
| Loan and lease loss provision to assets | 4.3510% | 270 |
| Net operating income to assets | -8.5987% | 8,089 |
| Return on assets (ROA) | -8.5987% | 8,082 |
| Pretax return on assets | -8.5987% | 8,065 |
| Return on Equity (ROE) | -55.2392% | 7,952 |
| Retained earnings to average equity (ytd only) | -55.2392% | 7,949 |
| Net charge-offs to loans | 2.0603% | 898 |
| Credit loss provision to net charge-offs | 280.7937% | 1,665 |
| Earnings coverage of net charge-offs (x) | -2.7413% | 6,398 |
| Efficiency ratio | 253.6050% | 115 |
| Assets per employee ($millions) | 2.9579% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6985% | 750 |
| Loan loss allowance to noncurrent loans | 81.0143% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 2.8819% | 2,220 |
| Noncurrent loans to loans | 3.3309% | 2,116 |
| Net loans and leases to total assets | 69.0411% | 3,933 |
| Net loans and leases to deposits | 92.8085% | 2,318 |
| Net loans and leases to core deposits | 181.5686% | 211 |
| Total domestic deposits to total assets | 74.3909% | 6,896 |
| Equity capital to assets | 20.3022% | 358 |
| Core capital (leverage) ratio | 25.6323% | 191 |
| Tier 1 risk-based capital ratio | 25.8508% | 872 |
| Total risk-based capital ratio | 27.1145% | 850 |
| Memoranda: | ||
| Average total assets | $81,314,330 | 5,748 |
| Average earning assets | $73,657,670 | 5,760 |
| Average equity | $12,657,670 | 4,642 |
| Average total loans | $61,157,330 | 5,286 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 7,331 |
| Cost of funding earning assets | 3.1390% | 407 |
| Net interest margin | 1.6865% | 8,009 |
| Noninterest income to average assets | 0.9130% | 1,799 |
| Noninterest expense to average assets | 5.2866% | 403 |
| Loan and lease loss provision to assets | 1.3831% | 928 |
| Net operating income to assets | -4.2205% | 7,999 |
| Return on assets (ROA) | -4.2205% | 7,995 |
| Pretax return on assets | -4.2205% | 7,931 |
| Return on Equity (ROE) | -34.0163% | 7,939 |
| Retained earnings to average equity (ytd only) | -34.0163% | 7,900 |
| Net charge-offs to loans | 3.2081% | 393 |
| Credit loss provision to net charge-offs | 55.2402% | 4,598 |
| Earnings coverage of net charge-offs (x) | -1.1332% | 5,391 |
| Efficiency ratio | 214.2857% | 164 |
| Assets per employee ($millions) | 2.7788% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 6,830 |
| Loan loss allowance to noncurrent loans | 25.1437% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 3.7666% | 1,402 |
| Noncurrent loans to loans | 3.4982% | 1,819 |
| Net loans and leases to total assets | 78.8556% | 1,611 |
| Net loans and leases to deposits | 89.5297% | 3,006 |
| Net loans and leases to core deposits | 180.6394% | 229 |
| Total domestic deposits to total assets | 88.0776% | 1,718 |
| Equity capital to assets | 11.5878% | 2,533 |
| Core capital (leverage) ratio | 11.5420% | 2,121 |
| Tier 1 risk-based capital ratio | 12.4237% | 4,591 |
| Total risk-based capital ratio | 13.1978% | 4,913 |
| Memoranda: | ||
| Average total assets | $73,166,500 | 6,024 |
| Average earning assets | $66,646,000 | 6,015 |
| Average equity | $9,078,000 | 5,683 |
| Average total loans | $57,106,000 | 5,492 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2264% | 7,664 |
| Cost of funding earning assets | 3.0920% | 1,527 |
| Net interest margin | 2.1344% | 7,997 |
| Noninterest income to average assets | 1.2856% | 890 |
| Noninterest expense to average assets | 6.1983% | 376 |
| Loan and lease loss provision to assets | 1.2581% | 1,136 |
| Net operating income to assets | -4.2028% | 8,015 |
| Return on assets (ROA) | -4.2028% | 8,000 |
| Pretax return on assets | -4.2028% | 7,925 |
| Return on Equity (ROE) | -23.8962% | 7,843 |
| Retained earnings to average equity (ytd only) | -23.8962% | 7,784 |
| Net charge-offs to loans | 1.6066% | 706 |
| Credit loss provision to net charge-offs | 114.5803% | 4,715 |
| Earnings coverage of net charge-offs (x) | -2.6819% | 6,748 |
| Efficiency ratio | 189.3141% | 220 |
| Assets per employee ($millions) | 2.4588% | 7,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 3,538 |
| Loan loss allowance to noncurrent loans | 26.5744% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 4.6223% | 801 |
| Noncurrent loans to loans | 5.0381% | 864 |
| Net loans and leases to total assets | 75.4411% | 2,774 |
| Net loans and leases to deposits | 87.3790% | 3,882 |
| Net loans and leases to core deposits | 179.7748% | 290 |
| Total domestic deposits to total assets | 86.3378% | 2,245 |
| Equity capital to assets | 13.2696% | 1,681 |
| Core capital (leverage) ratio | 13.8375% | 1,301 |
| Tier 1 risk-based capital ratio | 14.7178% | 3,193 |
| Total risk-based capital ratio | 15.8868% | 3,155 |
| Memoranda: | ||
| Average total assets | $61,840,000 | 6,324 |
| Average earning assets | $57,018,200 | 6,298 |
| Average equity | $10,876,200 | 5,160 |
| Average total loans | $42,262,800 | 6,058 |