Home > Landmark Community Bank > Performance and Condition Ratios
Landmark Community Bank, Performance and Condition Ratios
| 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 | 3.8715% | 1,896 |
| Cost of funding earning assets | 0.2967% | 2,803 |
| Net interest margin | 3.5748% | 1,651 |
| Noninterest income to average assets | 0.3419% | 3,398 |
| Noninterest expense to average assets | 3.4978% | 470 |
| Loan and lease loss provision to assets | -0.1359% | 4,693 |
| Net operating income to assets | 0.2421% | 4,589 |
| Return on assets (ROA) | 0.2591% | 4,592 |
| Pretax return on assets | 0.3629% | 4,534 |
| Return on Equity (ROE) | 2.6303% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.8171% | 4,157 |
| Net charge-offs to loans | 0.0482% | 1,143 |
| Credit loss provision to net charge-offs | -351.4286% | 3,367 |
| Earnings coverage of net charge-offs (x) | 5.3143% | 2,001 |
| Efficiency ratio | 94.4511% | 246 |
| Assets per employee ($millions) | 5.9102% | 2,707 |
| Cash dividends to net income (ytd only)* | 30.9168% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,960 |
| Loan loss allowance to noncurrent loans | 811.5294% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 2,639 |
| Noncurrent loans to loans | 0.1472% | 3,468 |
| Net loans and leases to total assets | 80.4196% | 291 |
| Net loans and leases to deposits | 92.4591% | 522 |
| Net loans and leases to core deposits | 94.5294% | 880 |
| Total domestic deposits to total assets | 86.9785% | 2,332 |
| Equity capital to assets | 10.0219% | 2,831 |
| Core capital (leverage) ratio | 9.6938% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7817% | 2,064 |
| Memoranda: | ||
| Average total assets | $362,057,667 | 2,148 |
| Average earning assets | $340,436,000 | 2,134 |
| Average equity | $35,661,000 | 2,284 |
| Average total loans | $290,336,333 | 1,779 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 1,820 |
| Cost of funding earning assets | 0.3134% | 2,859 |
| Net interest margin | 3.5917% | 1,611 |
| Noninterest income to average assets | 0.4604% | 2,787 |
| Noninterest expense to average assets | 3.3856% | 535 |
| Loan and lease loss provision to assets | -0.0120% | 4,586 |
| Net operating income to assets | 0.3622% | 4,429 |
| Return on assets (ROA) | 0.3959% | 4,391 |
| Pretax return on assets | 0.5008% | 4,348 |
| Return on Equity (ROE) | 4.0535% | 4,272 |
| Retained earnings to average equity (ytd only) | 4.0535% | 3,482 |
| Net charge-offs to loans | -0.0275% | 4,133 |
| Credit loss provision to net charge-offs | 55.0000% | 1,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3562% | 427 |
| Assets per employee ($millions) | 5.9039% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,670 |
| Loan loss allowance to noncurrent loans | 1,116.5680% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 2,889 |
| Noncurrent loans to loans | 0.1119% | 3,748 |
| Net loans and leases to total assets | 78.9629% | 403 |
| Net loans and leases to deposits | 95.2789% | 432 |
| Net loans and leases to core deposits | 97.4597% | 823 |
| Total domestic deposits to total assets | 82.8755% | 3,715 |
| Equity capital to assets | 9.3923% | 3,295 |
| Core capital (leverage) ratio | 9.8892% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6958% | 2,406 |
| Memoranda: | ||
| Average total assets | $365,779,500 | 2,117 |
| Average earning assets | $343,348,500 | 2,109 |
| Average equity | $35,722,000 | 2,273 |
| Average total loans | $291,190,500 | 1,785 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 2,525 |
| Cost of funding earning assets | 0.6952% | 1,736 |
| Net interest margin | 3.3714% | 2,861 |
| Noninterest income to average assets | 0.3449% | 3,399 |
| Noninterest expense to average assets | 2.9177% | 1,637 |
| Loan and lease loss provision to assets | 0.2350% | 1,656 |
| Net operating income to assets | 0.3622% | 4,324 |
| Return on assets (ROA) | 0.3872% | 4,353 |
| Pretax return on assets | 0.3855% | 4,442 |
| Return on Equity (ROE) | 3.8993% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.8993% | 2,876 |
| Net charge-offs to loans | 0.0248% | 2,545 |
| Credit loss provision to net charge-offs | 1,219.4030% | 674 |
| Earnings coverage of net charge-offs (x) | 30.8955% | 1,581 |
| Efficiency ratio | 83.0508% | 689 |
| Assets per employee ($millions) | 4.9818% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 2,218 |
| Loan loss allowance to noncurrent loans | 1,012.0968% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 2,868 |
| Noncurrent loans to loans | 0.1327% | 3,748 |
| Net loans and leases to total assets | 78.1662% | 593 |
| Net loans and leases to deposits | 96.3929% | 535 |
| Net loans and leases to core deposits | 99.0528% | 954 |
| Total domestic deposits to total assets | 81.0912% | 3,856 |
| Equity capital to assets | 10.1652% | 2,968 |
| Core capital (leverage) ratio | 10.0857% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6132% | 2,009 |
| Memoranda: | ||
| Average total assets | $347,632,200 | 2,064 |
| Average earning assets | $326,686,600 | 2,045 |
| Average equity | $34,519,200 | 2,254 |
| Average total loans | $269,872,000 | 1,829 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,003 |
| Cost of funding earning assets | 0.7725% | 1,621 |
| Net interest margin | 3.2154% | 3,447 |
| Noninterest income to average assets | 0.3621% | 3,294 |
| Noninterest expense to average assets | 2.9485% | 1,569 |
| Loan and lease loss provision to assets | 0.2060% | 1,947 |
| Net operating income to assets | 0.2766% | 4,484 |
| Return on assets (ROA) | 0.3101% | 4,479 |
| Pretax return on assets | 0.2589% | 4,596 |
| Return on Equity (ROE) | 3.1420% | 4,362 |
| Retained earnings to average equity (ytd only) | 3.1420% | 3,458 |
| Net charge-offs to loans | 0.0524% | 1,855 |
| Credit loss provision to net charge-offs | 509.5238% | 1,267 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 2,343 |
| Efficiency ratio | 87.2350% | 451 |
| Assets per employee ($millions) | 5.1834% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,708 |
| Loan loss allowance to noncurrent loans | 830.1205% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 2,898 |
| Noncurrent loans to loans | 0.1436% | 3,810 |
| Net loans and leases to total assets | 76.5130% | 1,032 |
| Net loans and leases to deposits | 96.2929% | 739 |
| Net loans and leases to core deposits | 98.7710% | 1,259 |
| Total domestic deposits to total assets | 79.4586% | 3,973 |
| Equity capital to assets | 9.5284% | 3,663 |
| Core capital (leverage) ratio | 9.9143% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5766% | 1,972 |
| Memoranda: | ||
| Average total assets | $346,113,250 | 2,044 |
| Average earning assets | $324,845,250 | 2,033 |
| Average equity | $34,160,250 | 2,262 |
| Average total loans | $267,278,750 | 1,828 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 3,070 |
| Cost of funding earning assets | 0.8766% | 1,473 |
| Net interest margin | 3.2161% | 3,621 |
| Noninterest income to average assets | 0.4141% | 2,994 |
| Noninterest expense to average assets | 2.9743% | 1,647 |
| Loan and lease loss provision to assets | 0.2053% | 2,001 |
| Net operating income to assets | 0.3364% | 4,353 |
| Return on assets (ROA) | 0.3880% | 4,318 |
| Pretax return on assets | 0.2967% | 4,544 |
| Return on Equity (ROE) | 3.8820% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.8820% | 2,967 |
| Net charge-offs to loans | 0.0446% | 1,858 |
| Credit loss provision to net charge-offs | 596.5517% | 1,119 |
| Earnings coverage of net charge-offs (x) | 13.0862% | 2,014 |
| Efficiency ratio | 86.8503% | 503 |
| Assets per employee ($millions) | 4.9912% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,674 |
| Loan loss allowance to noncurrent loans | 608.2873% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 2,704 |
| Noncurrent loans to loans | 0.1922% | 3,689 |
| Net loans and leases to total assets | 77.6959% | 891 |
| Net loans and leases to deposits | 97.6225% | 683 |
| Net loans and leases to core deposits | 100.3147% | 1,239 |
| Total domestic deposits to total assets | 79.5882% | 3,918 |
| Equity capital to assets | 9.7959% | 3,371 |
| Core capital (leverage) ratio | 10.1280% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1603% | 2,115 |
| Memoranda: | ||
| Average total assets | $337,083,667 | 2,062 |
| Average earning assets | $315,542,333 | 2,047 |
| Average equity | $33,693,667 | 2,279 |
| Average total loans | $260,040,667 | 1,847 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 3,186 |
| Cost of funding earning assets | 1.0410% | 1,253 |
| Net interest margin | 3.1664% | 3,942 |
| Noninterest income to average assets | 0.6001% | 2,047 |
| Noninterest expense to average assets | 3.1760% | 1,474 |
| Loan and lease loss provision to assets | 0.1669% | 1,756 |
| Net operating income to assets | 0.1803% | 4,553 |
| Return on assets (ROA) | 0.2700% | 4,435 |
| Pretax return on assets | 0.3203% | 4,424 |
| Return on Equity (ROE) | 2.6716% | 4,296 |
| Retained earnings to average equity (ytd only) | 2.6716% | 3,203 |
| Net charge-offs to loans | 0.0322% | 1,746 |
| Credit loss provision to net charge-offs | 680.0000% | 737 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,561 |
| Efficiency ratio | 89.3030% | 522 |
| Assets per employee ($millions) | 4.4534% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,374 |
| Loan loss allowance to noncurrent loans | 533.3901% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 2,656 |
| Noncurrent loans to loans | 0.2348% | 3,645 |
| Net loans and leases to total assets | 75.9213% | 1,320 |
| Net loans and leases to deposits | 91.1043% | 1,393 |
| Net loans and leases to core deposits | 94.2381% | 1,948 |
| Total domestic deposits to total assets | 83.3345% | 3,004 |
| Equity capital to assets | 10.3539% | 3,468 |
| Core capital (leverage) ratio | 10.1341% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1636% | 2,211 |
| Memoranda: | ||
| Average total assets | $325,943,000 | 2,059 |
| Average earning assets | $304,323,500 | 2,052 |
| Average equity | $32,939,000 | 2,307 |
| Average total loans | $248,803,500 | 1,869 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 3,412 |
| Cost of funding earning assets | 1.1028% | 1,315 |
| Net interest margin | 3.2408% | 4,108 |
| Noninterest income to average assets | 0.4681% | 2,912 |
| Noninterest expense to average assets | 3.1884% | 1,551 |
| Loan and lease loss provision to assets | -0.0240% | 4,966 |
| Net operating income to assets | 0.2814% | 4,768 |
| Return on assets (ROA) | 0.3208% | 4,754 |
| Pretax return on assets | 0.3760% | 4,748 |
| Return on Equity (ROE) | 3.4141% | 4,592 |
| Retained earnings to average equity (ytd only) | 3.4141% | 3,304 |
| Net charge-offs to loans | 0.0770% | 1,999 |
| Credit loss provision to net charge-offs | -41.5789% | 4,156 |
| Earnings coverage of net charge-offs (x) | 5.3053% | 3,104 |
| Efficiency ratio | 91.2530% | 307 |
| Assets per employee ($millions) | 4.4766% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,336 |
| Loan loss allowance to noncurrent loans | 380.2018% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 2,251 |
| Noncurrent loans to loans | 0.3202% | 3,292 |
| Net loans and leases to total assets | 74.8628% | 1,609 |
| Net loans and leases to deposits | 87.5561% | 1,905 |
| Net loans and leases to core deposits | 90.5649% | 2,370 |
| Total domestic deposits to total assets | 85.5026% | 2,292 |
| Equity capital to assets | 9.8589% | 4,049 |
| Core capital (leverage) ratio | 9.8063% | 3,725 |
| Tier 1 risk-based capital ratio | 12.6636% | 3,967 |
| Total risk-based capital ratio | 13.8615% | 3,887 |
| Memoranda: | ||
| Average total assets | $329,817,000 | 1,982 |
| Average earning assets | $307,948,000 | 1,979 |
| Average equity | $30,988,800 | 2,338 |
| Average total loans | $246,761,600 | 1,844 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 3,534 |
| Cost of funding earning assets | 1.1016% | 1,348 |
| Net interest margin | 3.2422% | 4,203 |
| Noninterest income to average assets | 0.5312% | 2,554 |
| Noninterest expense to average assets | 3.2202% | 1,422 |
| Loan and lease loss provision to assets | 0.0004% | 3,835 |
| Net operating income to assets | 0.2892% | 4,858 |
| Return on assets (ROA) | 0.3416% | 4,817 |
| Pretax return on assets | 0.4017% | 4,810 |
| Return on Equity (ROE) | 3.6808% | 4,640 |
| Retained earnings to average equity (ytd only) | 3.6808% | 3,560 |
| Net charge-offs to loans | 0.0898% | 1,568 |
| Credit loss provision to net charge-offs | 0.6024% | 3,031 |
| Earnings coverage of net charge-offs (x) | 5.0843% | 2,952 |
| Efficiency ratio | 90.4395% | 311 |
| Assets per employee ($millions) | 4.2284% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,104 |
| Loan loss allowance to noncurrent loans | 200.0641% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 1,589 |
| Noncurrent loans to loans | 0.6359% | 2,381 |
| Net loans and leases to total assets | 75.3140% | 1,600 |
| Net loans and leases to deposits | 87.9463% | 1,942 |
| Net loans and leases to core deposits | 92.5322% | 2,317 |
| Total domestic deposits to total assets | 85.6364% | 2,146 |
| Equity capital to assets | 10.0274% | 3,991 |
| Core capital (leverage) ratio | 9.7793% | 3,880 |
| Tier 1 risk-based capital ratio | 12.7884% | 3,965 |
| Total risk-based capital ratio | 14.0385% | 3,856 |
| Memoranda: | ||
| Average total assets | $330,573,750 | 1,987 |
| Average earning assets | $308,877,750 | 1,983 |
| Average equity | $30,681,500 | 2,369 |
| Average total loans | $246,537,250 | 1,858 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 3,446 |
| Cost of funding earning assets | 1.0744% | 1,399 |
| Net interest margin | 3.2887% | 4,168 |
| Noninterest income to average assets | 0.5611% | 2,338 |
| Noninterest expense to average assets | 3.2472% | 1,409 |
| Loan and lease loss provision to assets | 0.0072% | 3,584 |
| Net operating income to assets | 0.3245% | 4,842 |
| Return on assets (ROA) | 0.3357% | 4,838 |
| Pretax return on assets | 0.3950% | 4,838 |
| Return on Equity (ROE) | 3.7126% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.7126% | 3,404 |
| Net charge-offs to loans | 0.1449% | 1,069 |
| Credit loss provision to net charge-offs | 6.7039% | 2,704 |
| Earnings coverage of net charge-offs (x) | 3.6257% | 2,821 |
| Efficiency ratio | 89.3010% | 377 |
| Assets per employee ($millions) | 4.5192% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 1,956 |
| Loan loss allowance to noncurrent loans | 179.6542% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 1,520 |
| Noncurrent loans to loans | 0.7306% | 2,162 |
| Net loans and leases to total assets | 70.0739% | 2,521 |
| Net loans and leases to deposits | 81.5300% | 2,782 |
| Net loans and leases to core deposits | 85.7040% | 2,983 |
| Total domestic deposits to total assets | 85.9487% | 2,059 |
| Equity capital to assets | 9.5499% | 4,359 |
| Core capital (leverage) ratio | 9.4870% | 4,155 |
| Tier 1 risk-based capital ratio | 12.9782% | 3,847 |
| Total risk-based capital ratio | 14.2286% | 3,758 |
| Memoranda: | ||
| Average total assets | $333,645,000 | 1,990 |
| Average earning assets | $311,979,670 | 1,973 |
| Average equity | $30,167,330 | 2,393 |
| Average total loans | $247,000,330 | 1,863 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 3,478 |
| Cost of funding earning assets | 1.0210% | 1,474 |
| Net interest margin | 3.3057% | 4,148 |
| Noninterest income to average assets | 0.6109% | 1,998 |
| Noninterest expense to average assets | 3.2768% | 1,335 |
| Loan and lease loss provision to assets | 0.1308% | 1,333 |
| Net operating income to assets | 0.2624% | 4,943 |
| Return on assets (ROA) | 0.2797% | 4,936 |
| Pretax return on assets | 0.3121% | 4,947 |
| Return on Equity (ROE) | 3.1828% | 4,747 |
| Retained earnings to average equity (ytd only) | 3.1828% | 3,663 |
| Net charge-offs to loans | 0.1223% | 1,013 |
| Credit loss provision to net charge-offs | 141.5584% | 1,288 |
| Earnings coverage of net charge-offs (x) | 4.5844% | 2,318 |
| Efficiency ratio | 88.5501% | 457 |
| Assets per employee ($millions) | 4.6613% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 1,991 |
| Loan loss allowance to noncurrent loans | 147.1162% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 1,298 |
| Noncurrent loans to loans | 0.8983% | 1,857 |
| Net loans and leases to total assets | 74.8136% | 1,670 |
| Net loans and leases to deposits | 87.0791% | 1,991 |
| Net loans and leases to core deposits | 90.0645% | 2,494 |
| Total domestic deposits to total assets | 85.9146% | 2,316 |
| Equity capital to assets | 9.3240% | 4,406 |
| Core capital (leverage) ratio | 9.4529% | 4,193 |
| Tier 1 risk-based capital ratio | 12.4053% | 4,227 |
| Total risk-based capital ratio | 13.6563% | 4,091 |
| Memoranda: | ||
| Average total assets | $333,255,500 | 2,005 |
| Average earning assets | $311,465,000 | 1,995 |
| Average equity | $29,282,500 | 2,450 |
| Average total loans | $251,770,000 | 1,847 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 2,556 |
| Cost of funding earning assets | 0.8970% | 1,105 |
| Net interest margin | 3.5699% | 3,485 |
| Noninterest income to average assets | 0.2336% | 4,515 |
| Noninterest expense to average assets | 3.2220% | 1,499 |
| Loan and lease loss provision to assets | 0.5829% | 192 |
| Net operating income to assets | -0.1330% | 5,262 |
| Return on assets (ROA) | -0.1330% | 5,257 |
| Pretax return on assets | -0.2207% | 5,267 |
| Return on Equity (ROE) | -1.5898% | 5,266 |
| Retained earnings to average equity (ytd only) | -2.6684% | 5,163 |
| Net charge-offs to loans | 0.6740% | 248 |
| Credit loss provision to net charge-offs | 112.2727% | 2,303 |
| Earnings coverage of net charge-offs (x) | 0.6977% | 3,679 |
| Efficiency ratio | 89.8930% | 348 |
| Assets per employee ($millions) | 5.0103% | 2,490 |
| Cash dividends to net income (ytd only)* | -67.8492% | 5,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,675 |
| Loan loss allowance to noncurrent loans | 86.6322% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3319% | 950 |
| Noncurrent loans to loans | 1.6064% | 915 |
| Net loans and leases to total assets | 74.2770% | 1,893 |
| Net loans and leases to deposits | 84.8593% | 2,424 |
| Net loans and leases to core deposits | 88.4333% | 2,720 |
| Total domestic deposits to total assets | 87.5296% | 1,523 |
| Equity capital to assets | 8.2537% | 5,062 |
| Core capital (leverage) ratio | 8.4197% | 5,063 |
| Tier 1 risk-based capital ratio | 11.0792% | 4,935 |
| Total risk-based capital ratio | 12.3311% | 4,830 |
| Memoranda: | ||
| Average total assets | $338,979,400 | 1,957 |
| Average earning assets | $318,161,400 | 1,938 |
| Average equity | $28,369,200 | 2,436 |
| Average total loans | $261,114,000 | 1,771 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 2,390 |
| Cost of funding earning assets | 0.8696% | 1,036 |
| Net interest margin | 3.6030% | 3,352 |
| Noninterest income to average assets | 0.2044% | 4,743 |
| Noninterest expense to average assets | 3.2563% | 1,396 |
| Loan and lease loss provision to assets | 0.0122% | 3,756 |
| Net operating income to assets | 0.2923% | 5,100 |
| Return on assets (ROA) | 0.2923% | 5,096 |
| Pretax return on assets | 0.3206% | 5,118 |
| Return on Equity (ROE) | 3.4811% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.0513% | 4,569 |
| Net charge-offs to loans | 0.2837% | 590 |
| Credit loss provision to net charge-offs | 5.5357% | 3,073 |
| Earnings coverage of net charge-offs (x) | 1.5143% | 3,342 |
| Efficiency ratio | 90.7292% | 308 |
| Assets per employee ($millions) | 4.7925% | 2,729 |
| Cash dividends to net income (ytd only)* | 41.0738% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,268 |
| Loan loss allowance to noncurrent loans | 50.2536% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.8211% | 628 |
| Noncurrent loans to loans | 2.1623% | 661 |
| Net loans and leases to total assets | 76.3596% | 1,610 |
| Net loans and leases to deposits | 89.3923% | 1,970 |
| Net loans and leases to core deposits | 93.0363% | 2,389 |
| Total domestic deposits to total assets | 85.4208% | 2,447 |
| Equity capital to assets | 8.5910% | 4,868 |
| Core capital (leverage) ratio | 8.6637% | 4,990 |
| Tier 1 risk-based capital ratio | 11.1908% | 4,947 |
| Total risk-based capital ratio | 12.2517% | 4,930 |
| Memoranda: | ||
| Average total assets | $339,801,250 | 1,962 |
| Average earning assets | $319,205,500 | 1,940 |
| Average equity | $28,534,750 | 2,433 |
| Average total loans | $263,177,250 | 1,775 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 2,293 |
| Cost of funding earning assets | 0.8434% | 947 |
| Net interest margin | 3.5951% | 3,329 |
| Noninterest income to average assets | 0.3500% | 3,821 |
| Noninterest expense to average assets | 3.0971% | 1,793 |
| Loan and lease loss provision to assets | 0.1785% | 1,012 |
| Net operating income to assets | 0.3979% | 4,963 |
| Return on assets (ROA) | 0.3979% | 4,969 |
| Pretax return on assets | 0.4539% | 4,982 |
| Return on Equity (ROE) | 4.7731% | 4,613 |
| Retained earnings to average equity (ytd only) | 2.6315% | 4,201 |
| Net charge-offs to loans | 0.2363% | 673 |
| Credit loss provision to net charge-offs | 97.4522% | 2,091 |
| Earnings coverage of net charge-offs (x) | 3.4522% | 2,875 |
| Efficiency ratio | 83.0440% | 754 |
| Assets per employee ($millions) | 5.0013% | 2,420 |
| Cash dividends to net income (ytd only)* | 44.8680% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,512 |
| Loan loss allowance to noncurrent loans | 57.5244% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.8410% | 621 |
| Noncurrent loans to loans | 2.1495% | 658 |
| Net loans and leases to total assets | 77.3855% | 1,410 |
| Net loans and leases to deposits | 90.1811% | 1,811 |
| Net loans and leases to core deposits | 95.8779% | 2,069 |
| Total domestic deposits to total assets | 85.8112% | 2,367 |
| Equity capital to assets | 8.3966% | 5,017 |
| Core capital (leverage) ratio | 8.5562% | 5,069 |
| Tier 1 risk-based capital ratio | 10.5583% | 5,246 |
| Total risk-based capital ratio | 11.7498% | 5,168 |
| Memoranda: | ||
| Average total assets | $342,840,330 | 1,957 |
| Average earning assets | $322,271,330 | 1,936 |
| Average equity | $28,576,670 | 2,440 |
| Average total loans | $265,808,670 | 1,758 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,464 |
| Cost of funding earning assets | 0.8354% | 813 |
| Net interest margin | 3.4797% | 3,610 |
| Noninterest income to average assets | 0.3184% | 4,024 |
| Noninterest expense to average assets | 3.0516% | 1,943 |
| Loan and lease loss provision to assets | 0.2278% | 690 |
| Net operating income to assets | 0.2882% | 5,115 |
| Return on assets (ROA) | 0.2882% | 5,118 |
| Pretax return on assets | 0.3161% | 5,150 |
| Return on Equity (ROE) | 3.4701% | 4,898 |
| Retained earnings to average equity (ytd only) | 1.5532% | 4,474 |
| Net charge-offs to loans | 0.2049% | 720 |
| Credit loss provision to net charge-offs | 144.1176% | 1,254 |
| Earnings coverage of net charge-offs (x) | 3.4412% | 2,388 |
| Efficiency ratio | 84.8739% | 728 |
| Assets per employee ($millions) | 5.7330% | 1,736 |
| Cash dividends to net income (ytd only)* | 55.2419% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,426 |
| Loan loss allowance to noncurrent loans | 50.4349% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.0934% | 526 |
| Noncurrent loans to loans | 2.5090% | 544 |
| Net loans and leases to total assets | 76.2828% | 1,492 |
| Net loans and leases to deposits | 87.9893% | 1,931 |
| Net loans and leases to core deposits | 98.1929% | 1,823 |
| Total domestic deposits to total assets | 86.6955% | 2,240 |
| Equity capital to assets | 8.2464% | 5,146 |
| Core capital (leverage) ratio | 8.3125% | 5,250 |
| Tier 1 risk-based capital ratio | 10.3850% | 5,388 |
| Total risk-based capital ratio | 11.5921% | 5,326 |
| Memoranda: | ||
| Average total assets | $344,215,000 | 1,969 |
| Average earning assets | $324,170,500 | 1,947 |
| Average equity | $28,587,000 | 2,462 |
| Average total loans | $265,475,000 | 1,768 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 2,188 |
| Cost of funding earning assets | 0.6939% | 1,059 |
| Net interest margin | 3.6542% | 2,973 |
| Noninterest income to average assets | 0.3206% | 4,172 |
| Noninterest expense to average assets | 3.1791% | 1,657 |
| Loan and lease loss provision to assets | 0.1210% | 1,894 |
| Net operating income to assets | 0.1914% | 5,128 |
| Return on assets (ROA) | 0.2131% | 5,103 |
| Pretax return on assets | 0.4749% | 4,967 |
| Return on Equity (ROE) | 2.4093% | 4,972 |
| Retained earnings to average equity (ytd only) | 1.2581% | 4,520 |
| Net charge-offs to loans | 0.0670% | 2,510 |
| Credit loss provision to net charge-offs | 232.1637% | 1,195 |
| Earnings coverage of net charge-offs (x) | 10.7836% | 2,634 |
| Efficiency ratio | 84.9764% | 702 |
| Assets per employee ($millions) | 5.7408% | 1,724 |
| Cash dividends to net income (ytd only)* | 47.7825% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,501 |
| Loan loss allowance to noncurrent loans | 46.5605% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 2.1873% | 478 |
| Noncurrent loans to loans | 2.6751% | 468 |
| Net loans and leases to total assets | 76.0303% | 1,588 |
| Net loans and leases to deposits | 87.9390% | 2,027 |
| Net loans and leases to core deposits | 99.0563% | 1,786 |
| Total domestic deposits to total assets | 86.4580% | 2,249 |
| Equity capital to assets | 8.3635% | 5,220 |
| Core capital (leverage) ratio | 8.3182% | 5,269 |
| Tier 1 risk-based capital ratio | 10.2160% | 5,473 |
| Total risk-based capital ratio | 11.3873% | 5,429 |
| Memoranda: | ||
| Average total assets | $328,084,200 | 2,020 |
| Average earning assets | $307,096,400 | 2,006 |
| Average equity | $29,012,800 | 2,425 |
| Average total loans | $255,242,400 | 1,789 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 2,105 |
| Cost of funding earning assets | 0.6543% | 1,208 |
| Net interest margin | 3.6975% | 2,772 |
| Noninterest income to average assets | 0.3514% | 4,018 |
| Noninterest expense to average assets | 3.1485% | 1,676 |
| Loan and lease loss provision to assets | 0.1222% | 1,772 |
| Net operating income to assets | 0.4256% | 4,942 |
| Return on assets (ROA) | 0.4617% | 4,876 |
| Pretax return on assets | 0.5823% | 4,877 |
| Return on Equity (ROE) | 5.1471% | 4,472 |
| Retained earnings to average equity (ytd only) | 3.8902% | 3,605 |
| Net charge-offs to loans | -0.0406% | 5,097 |
| Credit loss provision to net charge-offs | -385.7143% | 4,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6956% | 860 |
| Assets per employee ($millions) | 5.5908% | 1,836 |
| Cash dividends to net income (ytd only)* | 24.4204% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 2,280 |
| Loan loss allowance to noncurrent loans | 52.4468% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.2577% | 523 |
| Noncurrent loans to loans | 2.5108% | 611 |
| Net loans and leases to total assets | 78.4038% | 1,212 |
| Net loans and leases to deposits | 95.3413% | 1,170 |
| Net loans and leases to core deposits | 108.8468% | 1,102 |
| Total domestic deposits to total assets | 82.2349% | 3,702 |
| Equity capital to assets | 8.9506% | 4,953 |
| Core capital (leverage) ratio | 8.9025% | 4,860 |
| Tier 1 risk-based capital ratio | 10.6579% | 5,390 |
| Total risk-based capital ratio | 11.9080% | 5,320 |
| Memoranda: | ||
| Average total assets | $323,993,250 | 2,060 |
| Average earning assets | $302,828,250 | 2,045 |
| Average equity | $29,064,000 | 2,444 |
| Average total loans | $252,756,000 | 1,812 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 2,166 |
| Cost of funding earning assets | 0.6121% | 1,376 |
| Net interest margin | 3.6791% | 2,724 |
| Noninterest income to average assets | 0.3397% | 4,121 |
| Noninterest expense to average assets | 3.0499% | 1,978 |
| Loan and lease loss provision to assets | 0.2267% | 765 |
| Net operating income to assets | 0.4142% | 4,946 |
| Return on assets (ROA) | 0.4142% | 4,973 |
| Pretax return on assets | 0.5012% | 5,003 |
| Return on Equity (ROE) | 4.6142% | 4,624 |
| Retained earnings to average equity (ytd only) | 3.5281% | 3,608 |
| Net charge-offs to loans | 0.1899% | 1,053 |
| Credit loss provision to net charge-offs | 154.0084% | 1,499 |
| Earnings coverage of net charge-offs (x) | 4.9451% | 2,873 |
| Efficiency ratio | 80.7332% | 1,132 |
| Assets per employee ($millions) | 5.6556% | 1,745 |
| Cash dividends to net income (ytd only)* | 23.5382% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,775 |
| Loan loss allowance to noncurrent loans | 42.9682% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.6181% | 391 |
| Noncurrent loans to loans | 2.8786% | 464 |
| Net loans and leases to total assets | 78.0163% | 1,247 |
| Net loans and leases to deposits | 99.1461% | 804 |
| Net loans and leases to core deposits | 111.9911% | 904 |
| Total domestic deposits to total assets | 78.6882% | 4,691 |
| Equity capital to assets | 8.9411% | 4,953 |
| Core capital (leverage) ratio | 8.9352% | 4,795 |
| Tier 1 risk-based capital ratio | 10.8054% | 5,340 |
| Total risk-based capital ratio | 12.0009% | 5,287 |
| Memoranda: | ||
| Average total assets | $322,039,330 | 2,070 |
| Average earning assets | $300,943,330 | 2,049 |
| Average equity | $28,910,670 | 2,442 |
| Average total loans | $249,651,330 | 1,828 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 2,153 |
| Cost of funding earning assets | 0.5847% | 1,480 |
| Net interest margin | 3.6492% | 2,696 |
| Noninterest income to average assets | 0.3109% | 4,329 |
| Noninterest expense to average assets | 2.9814% | 2,210 |
| Loan and lease loss provision to assets | 0.1429% | 1,308 |
| Net operating income to assets | 0.4827% | 4,663 |
| Return on assets (ROA) | 0.4827% | 4,688 |
| Pretax return on assets | 0.5980% | 4,738 |
| Return on Equity (ROE) | 5.3656% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.1775% | 3,834 |
| Net charge-offs to loans | 0.2580% | 704 |
| Credit loss provision to net charge-offs | 72.1519% | 1,819 |
| Earnings coverage of net charge-offs (x) | 3.7405% | 2,452 |
| Efficiency ratio | 80.0943% | 1,373 |
| Assets per employee ($millions) | 5.6344% | 1,781 |
| Cash dividends to net income (ytd only)* | 40.7792% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,950 |
| Loan loss allowance to noncurrent loans | 41.6907% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.6031% | 434 |
| Noncurrent loans to loans | 2.9459% | 473 |
| Net loans and leases to total assets | 75.9500% | 1,421 |
| Net loans and leases to deposits | 94.0331% | 1,101 |
| Net loans and leases to core deposits | 105.1379% | 1,155 |
| Total domestic deposits to total assets | 80.7694% | 4,468 |
| Equity capital to assets | 8.9796% | 4,826 |
| Core capital (leverage) ratio | 9.0223% | 4,704 |
| Tier 1 risk-based capital ratio | 10.9054% | 5,359 |
| Total risk-based capital ratio | 12.0584% | 5,325 |
| Memoranda: | ||
| Average total assets | $319,046,500 | 2,099 |
| Average earning assets | $298,258,000 | 2,081 |
| Average equity | $28,701,500 | 2,465 |
| Average total loans | $244,918,000 | 1,865 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 2,036 |
| Cost of funding earning assets | 0.5690% | 1,545 |
| Net interest margin | 3.7643% | 2,452 |
| Noninterest income to average assets | 0.3632% | 4,145 |
| Noninterest expense to average assets | 2.9053% | 2,654 |
| Loan and lease loss provision to assets | 0.1233% | 2,007 |
| Net operating income to assets | 0.6905% | 3,826 |
| Return on assets (ROA) | 0.6907% | 3,933 |
| Pretax return on assets | 0.8597% | 3,977 |
| Return on Equity (ROE) | 7.3481% | 3,297 |
| Retained earnings to average equity (ytd only) | 5.0192% | 2,336 |
| Net charge-offs to loans | 0.1133% | 2,129 |
| Credit loss provision to net charge-offs | 143.9689% | 1,904 |
| Earnings coverage of net charge-offs (x) | 11.4747% | 2,536 |
| Efficiency ratio | 74.7257% | 2,177 |
| Assets per employee ($millions) | 5.7624% | 1,651 |
| Cash dividends to net income (ytd only)* | 31.6932% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,724 |
| Loan loss allowance to noncurrent loans | 34.3876% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 3.0480% | 327 |
| Noncurrent loans to loans | 3.6841% | 312 |
| Net loans and leases to total assets | 75.6643% | 1,569 |
| Net loans and leases to deposits | 92.5152% | 1,369 |
| Net loans and leases to core deposits | 101.3413% | 1,502 |
| Total domestic deposits to total assets | 81.7857% | 4,134 |
| Equity capital to assets | 9.0126% | 4,808 |
| Core capital (leverage) ratio | 9.0984% | 4,618 |
| Tier 1 risk-based capital ratio | 11.0323% | 5,331 |
| Total risk-based capital ratio | 12.2252% | 5,251 |
| Memoranda: | ||
| Average total assets | $300,111,400 | 2,164 |
| Average earning assets | $281,007,400 | 2,147 |
| Average equity | $28,211,400 | 2,501 |
| Average total loans | $226,927,000 | 1,932 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,058 |
| Cost of funding earning assets | 0.5685% | 1,553 |
| Net interest margin | 3.7658% | 2,468 |
| Noninterest income to average assets | 0.3731% | 4,110 |
| Noninterest expense to average assets | 2.8945% | 2,655 |
| Loan and lease loss provision to assets | 0.0888% | 2,455 |
| Net operating income to assets | 0.7417% | 3,638 |
| Return on assets (ROA) | 0.7417% | 3,769 |
| Pretax return on assets | 0.9147% | 3,924 |
| Return on Equity (ROE) | 7.8035% | 3,116 |
| Retained earnings to average equity (ytd only) | 5.4710% | 2,499 |
| Net charge-offs to loans | 0.0215% | 3,257 |
| Credit loss provision to net charge-offs | 547.2222% | 661 |
| Earnings coverage of net charge-offs (x) | 61.8596% | 933 |
| Efficiency ratio | 74.2573% | 2,236 |
| Assets per employee ($millions) | 5.7832% | 1,592 |
| Cash dividends to net income (ytd only)* | 29.8905% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,508 |
| Loan loss allowance to noncurrent loans | 33.3298% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 3.3109% | 316 |
| Noncurrent loans to loans | 4.0062% | 271 |
| Net loans and leases to total assets | 75.3617% | 1,644 |
| Net loans and leases to deposits | 90.6863% | 1,675 |
| Net loans and leases to core deposits | 100.1948% | 1,615 |
| Total domestic deposits to total assets | 83.1015% | 3,546 |
| Equity capital to assets | 9.4758% | 4,684 |
| Core capital (leverage) ratio | 9.4588% | 4,238 |
| Tier 1 risk-based capital ratio | 11.2303% | 5,238 |
| Total risk-based capital ratio | 12.4758% | 5,150 |
| Memoranda: | ||
| Average total assets | $295,906,000 | 2,195 |
| Average earning assets | $276,977,000 | 2,181 |
| Average equity | $28,123,250 | 2,524 |
| Average total loans | $222,938,250 | 1,967 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 2,906 |
| Cost of funding earning assets | 0.5692% | 1,551 |
| Net interest margin | 3.5212% | 3,406 |
| Noninterest income to average assets | 0.3687% | 4,112 |
| Noninterest expense to average assets | 2.9852% | 2,395 |
| Loan and lease loss provision to assets | 0.2319% | 872 |
| Net operating income to assets | 0.3920% | 5,060 |
| Return on assets (ROA) | 0.3920% | 5,142 |
| Pretax return on assets | 0.4440% | 5,260 |
| Return on Equity (ROE) | 4.1199% | 4,864 |
| Retained earnings to average equity (ytd only) | 1.7759% | 4,668 |
| Net charge-offs to loans | 0.2363% | 996 |
| Credit loss provision to net charge-offs | 130.8880% | 1,766 |
| Earnings coverage of net charge-offs (x) | 3.8147% | 3,057 |
| Efficiency ratio | 81.5396% | 1,325 |
| Assets per employee ($millions) | 5.6300% | 1,674 |
| Cash dividends to net income (ytd only)* | 56.8935% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 2,507 |
| Loan loss allowance to noncurrent loans | 34.4336% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 3.2692% | 352 |
| Noncurrent loans to loans | 3.9344% | 299 |
| Net loans and leases to total assets | 74.3297% | 1,771 |
| Net loans and leases to deposits | 90.2783% | 1,722 |
| Net loans and leases to core deposits | 100.4143% | 1,598 |
| Total domestic deposits to total assets | 82.3339% | 3,898 |
| Equity capital to assets | 9.4738% | 4,792 |
| Core capital (leverage) ratio | 9.2625% | 4,504 |
| Tier 1 risk-based capital ratio | 11.6188% | 5,083 |
| Total risk-based capital ratio | 12.8693% | 4,982 |
| Memoranda: | ||
| Average total assets | $292,372,330 | 2,230 |
| Average earning assets | $273,370,000 | 2,218 |
| Average equity | $27,816,330 | 2,549 |
| Average total loans | $219,212,670 | 1,990 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 2,816 |
| Cost of funding earning assets | 0.5623% | 1,604 |
| Net interest margin | 3.5469% | 3,296 |
| Noninterest income to average assets | 0.3470% | 4,251 |
| Noninterest expense to average assets | 3.0052% | 2,374 |
| Loan and lease loss provision to assets | 0.3083% | 505 |
| Net operating income to assets | 0.3221% | 5,236 |
| Return on assets (ROA) | 0.3221% | 5,318 |
| Pretax return on assets | 0.3470% | 5,410 |
| Return on Equity (ROE) | 3.3780% | 5,107 |
| Retained earnings to average equity (ytd only) | 1.0584% | 4,817 |
| Net charge-offs to loans | 0.1460% | 1,238 |
| Credit loss provision to net charge-offs | 282.2785% | 884 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,274 |
| Efficiency ratio | 82.0997% | 1,363 |
| Assets per employee ($millions) | 5.5595% | 1,781 |
| Cash dividends to net income (ytd only)* | 68.6695% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 2,379 |
| Loan loss allowance to noncurrent loans | 34.6638% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 3.2754% | 366 |
| Noncurrent loans to loans | 4.0644% | 296 |
| Net loans and leases to total assets | 73.8361% | 1,752 |
| Net loans and leases to deposits | 87.5272% | 1,881 |
| Net loans and leases to core deposits | 96.9627% | 1,710 |
| Total domestic deposits to total assets | 84.3579% | 3,375 |
| Equity capital to assets | 9.4233% | 4,748 |
| Core capital (leverage) ratio | 9.3579% | 4,414 |
| Tier 1 risk-based capital ratio | 11.5615% | 5,191 |
| Total risk-based capital ratio | 12.8125% | 5,097 |
| Memoranda: | ||
| Average total assets | $289,363,000 | 2,253 |
| Average earning assets | $270,323,500 | 2,241 |
| Average equity | $27,590,000 | 2,554 |
| Average total loans | $216,399,500 | 2,013 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 2,558 |
| Cost of funding earning assets | 0.5465% | 1,796 |
| Net interest margin | 3.6540% | 2,923 |
| Noninterest income to average assets | 0.4213% | 3,881 |
| Noninterest expense to average assets | 3.0116% | 2,505 |
| Loan and lease loss provision to assets | 0.2027% | 1,054 |
| Net operating income to assets | 0.5293% | 4,585 |
| Return on assets (ROA) | 0.5393% | 4,633 |
| Pretax return on assets | 0.6258% | 4,766 |
| Return on Equity (ROE) | 5.4382% | 4,314 |
| Retained earnings to average equity (ytd only) | 3.3140% | 3,692 |
| Net charge-offs to loans | -0.0760% | 5,699 |
| Credit loss provision to net charge-offs | -358.9744% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6633% | 1,864 |
| Assets per employee ($millions) | 5.3598% | 1,946 |
| Cash dividends to net income (ytd only)* | 39.0604% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,434 |
| Loan loss allowance to noncurrent loans | 40.4557% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 2.8278% | 492 |
| Noncurrent loans to loans | 3.4550% | 411 |
| Net loans and leases to total assets | 73.6306% | 1,788 |
| Net loans and leases to deposits | 91.2280% | 1,480 |
| Net loans and leases to core deposits | 101.1935% | 1,428 |
| Total domestic deposits to total assets | 80.7105% | 4,566 |
| Equity capital to assets | 9.6504% | 4,371 |
| Core capital (leverage) ratio | 9.8000% | 3,774 |
| Tier 1 risk-based capital ratio | 12.4708% | 4,653 |
| Total risk-based capital ratio | 13.7223% | 4,537 |
| Memoranda: | ||
| Average total assets | $276,299,600 | 2,299 |
| Average earning assets | $257,633,400 | 2,281 |
| Average equity | $27,398,600 | 2,511 |
| Average total loans | $205,182,200 | 2,028 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 2,405 |
| Cost of funding earning assets | 0.5535% | 1,774 |
| Net interest margin | 3.6960% | 2,787 |
| Noninterest income to average assets | 0.4291% | 3,870 |
| Noninterest expense to average assets | 3.0393% | 2,400 |
| Loan and lease loss provision to assets | -0.3854% | 6,181 |
| Net operating income to assets | 0.9328% | 2,790 |
| Return on assets (ROA) | 0.9442% | 2,844 |
| Pretax return on assets | 1.2368% | 2,669 |
| Return on Equity (ROE) | 9.4566% | 2,327 |
| Retained earnings to average equity (ytd only) | 7.1983% | 1,598 |
| Net charge-offs to loans | -0.9214% | 6,203 |
| Credit loss provision to net charge-offs | 56.4011% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4201% | 1,900 |
| Assets per employee ($millions) | 5.1385% | 2,130 |
| Cash dividends to net income (ytd only)* | 23.8806% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 2,494 |
| Loan loss allowance to noncurrent loans | 32.7086% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 3.4655% | 375 |
| Noncurrent loans to loans | 4.3486% | 263 |
| Net loans and leases to total assets | 72.8329% | 1,931 |
| Net loans and leases to deposits | 88.5192% | 1,835 |
| Net loans and leases to core deposits | 96.4222% | 1,848 |
| Total domestic deposits to total assets | 82.2791% | 4,073 |
| Equity capital to assets | 10.3283% | 3,781 |
| Core capital (leverage) ratio | 10.1715% | 3,413 |
| Tier 1 risk-based capital ratio | 12.9485% | 4,456 |
| Total risk-based capital ratio | 14.1999% | 4,381 |
| Memoranda: | ||
| Average total assets | $274,356,500 | 2,325 |
| Average earning assets | $255,835,000 | 2,309 |
| Average equity | $27,394,750 | 2,524 |
| Average total loans | $203,445,500 | 2,058 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 2,213 |
| Cost of funding earning assets | 0.5562% | 1,766 |
| Net interest margin | 3.7304% | 2,578 |
| Noninterest income to average assets | 0.4349% | 3,812 |
| Noninterest expense to average assets | 3.0688% | 2,338 |
| Loan and lease loss provision to assets | -0.6356% | 6,293 |
| Net operating income to assets | 1.1032% | 1,943 |
| Return on assets (ROA) | 1.1206% | 1,965 |
| Pretax return on assets | 1.5024% | 1,648 |
| Return on Equity (ROE) | 11.3516% | 1,569 |
| Retained earnings to average equity (ytd only) | 8.9354% | 942 |
| Net charge-offs to loans | -1.4996% | 6,287 |
| Credit loss provision to net charge-offs | 57.0869% | 2,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4387% | 1,997 |
| Assets per employee ($millions) | 8.2298% | 479 |
| Cash dividends to net income (ytd only)* | 21.2849% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,571 |
| Loan loss allowance to noncurrent loans | 40.5470% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.7395% | 651 |
| Noncurrent loans to loans | 3.5499% | 489 |
| Net loans and leases to total assets | 73.2694% | 1,775 |
| Net loans and leases to deposits | 87.0209% | 1,942 |
| Net loans and leases to core deposits | 94.0241% | 1,955 |
| Total domestic deposits to total assets | 84.1975% | 3,487 |
| Equity capital to assets | 10.1589% | 3,854 |
| Core capital (leverage) ratio | 9.9368% | 3,697 |
| Tier 1 risk-based capital ratio | 12.5999% | 4,741 |
| Total risk-based capital ratio | 13.8515% | 4,662 |
| Memoranda: | ||
| Average total assets | $275,028,670 | 2,338 |
| Average earning assets | $256,379,000 | 2,322 |
| Average equity | $27,150,330 | 2,555 |
| Average total loans | $204,189,000 | 2,050 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 2,051 |
| Cost of funding earning assets | 0.5523% | 1,820 |
| Net interest margin | 3.7606% | 2,389 |
| Noninterest income to average assets | 0.4322% | 3,750 |
| Noninterest expense to average assets | 3.0092% | 2,553 |
| Loan and lease loss provision to assets | 0.0043% | 3,655 |
| Net operating income to assets | 0.7391% | 3,602 |
| Return on assets (ROA) | 0.7646% | 3,590 |
| Pretax return on assets | 0.9539% | 3,674 |
| Return on Equity (ROE) | 7.8573% | 3,031 |
| Retained earnings to average equity (ytd only) | 5.3471% | 2,866 |
| Net charge-offs to loans | 0.4987% | 503 |
| Credit loss provision to net charge-offs | 1.1719% | 2,486 |
| Earnings coverage of net charge-offs (x) | 2.5039% | 2,741 |
| Efficiency ratio | 76.4598% | 2,434 |
| Assets per employee ($millions) | 5.0856% | 2,251 |
| Cash dividends to net income (ytd only)* | 31.9471% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 5,119 |
| Loan loss allowance to noncurrent loans | 27.4629% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.8330% | 696 |
| Noncurrent loans to loans | 3.5773% | 523 |
| Net loans and leases to total assets | 73.2546% | 1,607 |
| Net loans and leases to deposits | 87.8470% | 1,626 |
| Net loans and leases to core deposits | 95.1947% | 1,680 |
| Total domestic deposits to total assets | 83.3889% | 4,051 |
| Equity capital to assets | 9.9180% | 4,234 |
| Core capital (leverage) ratio | 9.6225% | 4,122 |
| Tier 1 risk-based capital ratio | 12.4239% | 4,960 |
| Total risk-based capital ratio | 13.3611% | 5,077 |
| Memoranda: | ||
| Average total assets | $276,751,000 | 2,338 |
| Average earning assets | $257,830,000 | 2,324 |
| Average equity | $26,930,500 | 2,590 |
| Average total loans | $205,336,500 | 2,049 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 2,088 |
| Cost of funding earning assets | 0.5822% | 1,928 |
| Net interest margin | 3.8626% | 2,385 |
| Noninterest income to average assets | 0.4208% | 4,032 |
| Noninterest expense to average assets | 2.9794% | 2,904 |
| Loan and lease loss provision to assets | 0.0333% | 3,930 |
| Net operating income to assets | 0.8010% | 3,363 |
| Return on assets (ROA) | 0.8028% | 3,455 |
| Pretax return on assets | 1.0020% | 3,489 |
| Return on Equity (ROE) | 8.6475% | 2,762 |
| Retained earnings to average equity (ytd only) | 6.6038% | 1,595 |
| Net charge-offs to loans | 0.4237% | 1,004 |
| Credit loss provision to net charge-offs | 10.5568% | 4,096 |
| Earnings coverage of net charge-offs (x) | 3.2784% | 3,929 |
| Efficiency ratio | 74.2529% | 2,797 |
| Assets per employee ($millions) | 5.4682% | 1,795 |
| Cash dividends to net income (ytd only)* | 23.6339% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 4,621 |
| Loan loss allowance to noncurrent loans | 34.6106% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 2.5689% | 883 |
| Noncurrent loans to loans | 3.1315% | 708 |
| Net loans and leases to total assets | 73.5997% | 1,655 |
| Net loans and leases to deposits | 86.0662% | 1,976 |
| Net loans and leases to core deposits | 96.0172% | 1,723 |
| Total domestic deposits to total assets | 85.5152% | 3,073 |
| Equity capital to assets | 9.5468% | 4,662 |
| Core capital (leverage) ratio | 9.3950% | 4,396 |
| Tier 1 risk-based capital ratio | 12.1372% | 5,273 |
| Total risk-based capital ratio | 13.1831% | 5,312 |
| Memoranda: | ||
| Average total assets | $273,545,000 | 2,331 |
| Average earning assets | $254,363,200 | 2,313 |
| Average equity | $25,394,600 | 2,627 |
| Average total loans | $203,445,600 | 2,010 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,924 |
| Cost of funding earning assets | 0.5849% | 1,972 |
| Net interest margin | 3.9015% | 2,241 |
| Noninterest income to average assets | 0.4217% | 4,084 |
| Noninterest expense to average assets | 3.0647% | 2,583 |
| Loan and lease loss provision to assets | 0.1078% | 2,240 |
| Net operating income to assets | 0.7229% | 3,824 |
| Return on assets (ROA) | 0.7229% | 3,927 |
| Pretax return on assets | 0.8758% | 4,091 |
| Return on Equity (ROE) | 7.8444% | 3,286 |
| Retained earnings to average equity (ytd only) | 5.8833% | 2,476 |
| Net charge-offs to loans | 0.2845% | 1,381 |
| Credit loss provision to net charge-offs | 50.9259% | 3,085 |
| Earnings coverage of net charge-offs (x) | 4.6481% | 3,408 |
| Efficiency ratio | 75.7048% | 2,539 |
| Assets per employee ($millions) | 5.5283% | 1,700 |
| Cash dividends to net income (ytd only)* | 25.0001% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,377 |
| Loan loss allowance to noncurrent loans | 41.9167% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 2.6952% | 936 |
| Noncurrent loans to loans | 3.2314% | 779 |
| Net loans and leases to total assets | 73.9830% | 1,524 |
| Net loans and leases to deposits | 86.3146% | 1,874 |
| Net loans and leases to core deposits | 94.1100% | 1,852 |
| Total domestic deposits to total assets | 85.7131% | 3,007 |
| Equity capital to assets | 9.3562% | 4,969 |
| Core capital (leverage) ratio | 9.1737% | 4,820 |
| Tier 1 risk-based capital ratio | 12.3265% | 5,281 |
| Total risk-based capital ratio | 13.5779% | 5,208 |
| Memoranda: | ||
| Average total assets | $272,211,500 | 2,360 |
| Average earning assets | $253,026,500 | 2,337 |
| Average equity | $25,087,250 | 2,666 |
| Average total loans | $202,431,250 | 2,033 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 1,735 |
| Cost of funding earning assets | 0.5835% | 2,041 |
| Net interest margin | 3.9470% | 1,984 |
| Noninterest income to average assets | 0.4106% | 4,168 |
| Noninterest expense to average assets | 3.0656% | 2,608 |
| Loan and lease loss provision to assets | 0.1374% | 1,803 |
| Net operating income to assets | 0.7238% | 3,709 |
| Return on assets (ROA) | 0.7238% | 3,804 |
| Pretax return on assets | 0.8744% | 3,982 |
| Return on Equity (ROE) | 7.8940% | 3,159 |
| Retained earnings to average equity (ytd only) | 5.7513% | 2,481 |
| Net charge-offs to loans | 0.3446% | 1,182 |
| Credit loss provision to net charge-offs | 53.7572% | 2,737 |
| Earnings coverage of net charge-offs (x) | 3.9595% | 3,194 |
| Efficiency ratio | 75.1857% | 2,777 |
| Assets per employee ($millions) | 5.5595% | 1,646 |
| Cash dividends to net income (ytd only)* | 27.1429% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 3,450 |
| Loan loss allowance to noncurrent loans | 93.1293% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 2,435 |
| Noncurrent loans to loans | 1.4823% | 2,342 |
| Net loans and leases to total assets | 73.5000% | 1,504 |
| Net loans and leases to deposits | 84.7979% | 1,955 |
| Net loans and leases to core deposits | 92.7595% | 1,880 |
| Total domestic deposits to total assets | 86.6766% | 2,652 |
| Equity capital to assets | 9.1522% | 5,154 |
| Core capital (leverage) ratio | 9.1555% | 4,812 |
| Tier 1 risk-based capital ratio | 12.3560% | 5,332 |
| Total risk-based capital ratio | 13.6079% | 5,247 |
| Memoranda: | ||
| Average total assets | $270,810,330 | 2,367 |
| Average earning assets | $251,585,670 | 2,343 |
| Average equity | $24,829,000 | 2,678 |
| Average total loans | $200,805,670 | 2,041 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 1,828 |
| Cost of funding earning assets | 0.5713% | 2,233 |
| Net interest margin | 3.9245% | 1,995 |
| Noninterest income to average assets | 0.3787% | 4,357 |
| Noninterest expense to average assets | 3.1105% | 2,493 |
| Loan and lease loss provision to assets | 0.0898% | 2,416 |
| Net operating income to assets | 0.6930% | 3,722 |
| Return on assets (ROA) | 0.6930% | 3,801 |
| Pretax return on assets | 0.8188% | 4,035 |
| Return on Equity (ROE) | 7.5521% | 3,171 |
| Retained earnings to average equity (ytd only) | 5.2359% | 2,977 |
| Net charge-offs to loans | 0.1700% | 1,698 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 7.2262% | 2,140 |
| Efficiency ratio | 77.3929% | 2,575 |
| Assets per employee ($millions) | 5.4124% | 1,792 |
| Cash dividends to net income (ytd only)* | 30.6695% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,193 |
| Loan loss allowance to noncurrent loans | 88.1436% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.5028% | 2,350 |
| Noncurrent loans to loans | 1.6871% | 2,299 |
| Net loans and leases to total assets | 73.3386% | 1,379 |
| Net loans and leases to deposits | 84.5971% | 1,764 |
| Net loans and leases to core deposits | 93.6236% | 1,581 |
| Total domestic deposits to total assets | 86.6917% | 3,000 |
| Equity capital to assets | 9.1741% | 4,904 |
| Core capital (leverage) ratio | 9.1506% | 4,788 |
| Tier 1 risk-based capital ratio | 12.4828% | 5,326 |
| Total risk-based capital ratio | 13.7358% | 5,262 |
| Memoranda: | ||
| Average total assets | $267,227,000 | 2,401 |
| Average earning assets | $247,876,000 | 2,369 |
| Average equity | $24,523,000 | 2,695 |
| Average total loans | $197,622,000 | 2,075 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 2,086 |
| Cost of funding earning assets | 0.6751% | 2,000 |
| Net interest margin | 3.8567% | 2,445 |
| Noninterest income to average assets | 0.4099% | 4,372 |
| Noninterest expense to average assets | 3.0041% | 3,047 |
| Loan and lease loss provision to assets | 0.3167% | 1,048 |
| Net operating income to assets | 0.5797% | 4,357 |
| Return on assets (ROA) | 0.6346% | 4,206 |
| Pretax return on assets | 0.7097% | 4,505 |
| Return on Equity (ROE) | 6.8296% | 3,657 |
| Retained earnings to average equity (ytd only) | 4.6816% | 2,826 |
| Net charge-offs to loans | 0.3505% | 1,930 |
| Credit loss provision to net charge-offs | 126.6564% | 1,864 |
| Earnings coverage of net charge-offs (x) | 3.8582% | 3,735 |
| Efficiency ratio | 75.6917% | 2,827 |
| Assets per employee ($millions) | 5.4965% | 1,653 |
| Cash dividends to net income (ytd only)* | 31.4511% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 2,924 |
| Loan loss allowance to noncurrent loans | 81.1828% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.6499% | 2,238 |
| Noncurrent loans to loans | 1.9197% | 2,093 |
| Net loans and leases to total assets | 72.3027% | 1,638 |
| Net loans and leases to deposits | 85.1523% | 1,794 |
| Net loans and leases to core deposits | 91.0153% | 1,904 |
| Total domestic deposits to total assets | 84.9098% | 3,789 |
| Equity capital to assets | 9.1796% | 4,832 |
| Core capital (leverage) ratio | 9.1792% | 4,751 |
| Tier 1 risk-based capital ratio | 12.6415% | 5,206 |
| Total risk-based capital ratio | 13.8956% | 5,156 |
| Memoranda: | ||
| Average total assets | $259,544,600 | 2,440 |
| Average earning assets | $239,507,200 | 2,426 |
| Average equity | $24,115,600 | 2,718 |
| Average total loans | $185,158,200 | 2,157 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 2,216 |
| Cost of funding earning assets | 0.7048% | 1,920 |
| Net interest margin | 3.7976% | 2,649 |
| Noninterest income to average assets | 0.4039% | 4,505 |
| Noninterest expense to average assets | 2.9362% | 3,185 |
| Loan and lease loss provision to assets | 0.3466% | 933 |
| Net operating income to assets | 0.5570% | 4,545 |
| Return on assets (ROA) | 0.6273% | 4,353 |
| Pretax return on assets | 0.7021% | 4,681 |
| Return on Equity (ROE) | 6.7302% | 3,806 |
| Retained earnings to average equity (ytd only) | 4.5717% | 3,421 |
| Net charge-offs to loans | 0.2674% | 2,211 |
| Credit loss provision to net charge-offs | 183.1063% | 1,324 |
| Earnings coverage of net charge-offs (x) | 5.1226% | 3,276 |
| Efficiency ratio | 75.1717% | 2,878 |
| Assets per employee ($millions) | 5.4492% | 1,677 |
| Cash dividends to net income (ytd only)* | 32.0726% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 2,665 |
| Loan loss allowance to noncurrent loans | 68.3731% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.3272% | 1,694 |
| Noncurrent loans to loans | 2.4683% | 1,764 |
| Net loans and leases to total assets | 70.2006% | 1,929 |
| Net loans and leases to deposits | 82.3935% | 2,091 |
| Net loans and leases to core deposits | 88.9622% | 2,080 |
| Total domestic deposits to total assets | 85.2016% | 3,630 |
| Equity capital to assets | 9.1951% | 4,942 |
| Core capital (leverage) ratio | 9.4848% | 4,432 |
| Tier 1 risk-based capital ratio | 12.8233% | 5,244 |
| Total risk-based capital ratio | 14.0785% | 5,176 |
| Memoranda: | ||
| Average total assets | $258,472,250 | 2,465 |
| Average earning assets | $238,356,750 | 2,455 |
| Average equity | $24,089,750 | 2,751 |
| Average total loans | $183,003,000 | 2,173 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 2,049 |
| Cost of funding earning assets | 0.7419% | 1,752 |
| Net interest margin | 3.8015% | 2,552 |
| Noninterest income to average assets | 0.3954% | 4,561 |
| Noninterest expense to average assets | 2.9016% | 3,328 |
| Loan and lease loss provision to assets | 0.4405% | 666 |
| Net operating income to assets | 0.5005% | 4,797 |
| Return on assets (ROA) | 0.6075% | 4,421 |
| Pretax return on assets | 0.6751% | 4,760 |
| Return on Equity (ROE) | 6.4889% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.3647% | 3,497 |
| Net charge-offs to loans | 0.2344% | 2,316 |
| Credit loss provision to net charge-offs | 266.1972% | 949 |
| Earnings coverage of net charge-offs (x) | 6.0235% | 2,782 |
| Efficiency ratio | 74.4320% | 3,046 |
| Assets per employee ($millions) | 5.3154% | 1,773 |
| Cash dividends to net income (ytd only)* | 32.7366% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 2,583 |
| Loan loss allowance to noncurrent loans | 80.7110% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 2.0738% | 2,089 |
| Noncurrent loans to loans | 2.1723% | 2,211 |
| Net loans and leases to total assets | 70.3044% | 1,831 |
| Net loans and leases to deposits | 82.5281% | 1,987 |
| Net loans and leases to core deposits | 89.1490% | 1,991 |
| Total domestic deposits to total assets | 85.1885% | 3,802 |
| Equity capital to assets | 9.3804% | 4,746 |
| Core capital (leverage) ratio | 9.1905% | 4,711 |
| Tier 1 risk-based capital ratio | 12.6641% | 5,380 |
| Total risk-based capital ratio | 13.9200% | 5,320 |
| Memoranda: | ||
| Average total assets | $257,442,330 | 2,483 |
| Average earning assets | $237,221,000 | 2,473 |
| Average equity | $24,102,670 | 2,762 |
| Average total loans | $181,747,330 | 2,186 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 2,195 |
| Cost of funding earning assets | 0.7642% | 1,755 |
| Net interest margin | 3.7291% | 2,737 |
| Noninterest income to average assets | 0.3805% | 4,621 |
| Noninterest expense to average assets | 2.7936% | 3,723 |
| Loan and lease loss provision to assets | 0.4130% | 740 |
| Net operating income to assets | 0.5770% | 4,328 |
| Return on assets (ROA) | 0.5770% | 4,478 |
| Pretax return on assets | 0.6234% | 4,864 |
| Return on Equity (ROE) | 6.1685% | 3,956 |
| Retained earnings to average equity (ytd only) | 4.0517% | 3,799 |
| Net charge-offs to loans | 0.2294% | 2,070 |
| Credit loss provision to net charge-offs | 256.7308% | 909 |
| Earnings coverage of net charge-offs (x) | 6.4423% | 2,216 |
| Efficiency ratio | 72.9402% | 3,452 |
| Assets per employee ($millions) | 5.4164% | 1,742 |
| Cash dividends to net income (ytd only)* | 34.3164% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 3,082 |
| Loan loss allowance to noncurrent loans | 74.8570% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 2.0432% | 2,293 |
| Noncurrent loans to loans | 2.2470% | 2,336 |
| Net loans and leases to total assets | 67.6716% | 2,077 |
| Net loans and leases to deposits | 79.4372% | 2,157 |
| Net loans and leases to core deposits | 86.6650% | 2,045 |
| Total domestic deposits to total assets | 85.1888% | 3,952 |
| Equity capital to assets | 9.3482% | 5,066 |
| Core capital (leverage) ratio | 9.1649% | 4,622 |
| Tier 1 risk-based capital ratio | 12.6246% | 5,497 |
| Total risk-based capital ratio | 13.8792% | 5,446 |
| Memoranda: | ||
| Average total assets | $258,594,000 | 2,508 |
| Average earning assets | $239,199,500 | 2,479 |
| Average equity | $24,187,500 | 2,787 |
| Average total loans | $181,333,500 | 2,198 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 2,090 |
| Cost of funding earning assets | 0.8053% | 2,623 |
| Net interest margin | 4.0253% | 2,292 |
| Noninterest income to average assets | 0.4112% | 4,518 |
| Noninterest expense to average assets | 2.7794% | 4,112 |
| Loan and lease loss provision to assets | 1.6507% | 171 |
| Net operating income to assets | 0.0305% | 6,118 |
| Return on assets (ROA) | 0.0560% | 6,223 |
| Pretax return on assets | -0.2392% | 6,446 |
| Return on Equity (ROE) | 0.6109% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.6109% | 5,549 |
| Net charge-offs to loans | 1.8417% | 428 |
| Credit loss provision to net charge-offs | 121.4519% | 2,355 |
| Earnings coverage of net charge-offs (x) | 1.0092% | 4,968 |
| Efficiency ratio | 66.9577% | 4,338 |
| Assets per employee ($millions) | 5.7156% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 3,522 |
| Loan loss allowance to noncurrent loans | 69.4560% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.1174% | 2,313 |
| Noncurrent loans to loans | 2.2311% | 2,429 |
| Net loans and leases to total assets | 70.3234% | 1,777 |
| Net loans and leases to deposits | 83.7380% | 1,786 |
| Net loans and leases to core deposits | 90.6518% | 1,758 |
| Total domestic deposits to total assets | 83.9804% | 4,322 |
| Equity capital to assets | 9.3588% | 5,059 |
| Core capital (leverage) ratio | 8.7301% | 5,280 |
| Tier 1 risk-based capital ratio | 12.1644% | 5,678 |
| Total risk-based capital ratio | 13.4174% | 5,634 |
| Memoranda: | ||
| Average total assets | $248,324,600 | 2,546 |
| Average earning assets | $230,713,200 | 2,499 |
| Average equity | $22,754,800 | 2,875 |
| Average total loans | $183,254,000 | 2,160 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 2,214 |
| Cost of funding earning assets | 0.8075% | 2,880 |
| Net interest margin | 4.0382% | 2,345 |
| Noninterest income to average assets | 0.4009% | 4,633 |
| Noninterest expense to average assets | 2.7180% | 4,296 |
| Loan and lease loss provision to assets | 0.4762% | 1,300 |
| Net operating income to assets | 0.8190% | 3,349 |
| Return on assets (ROA) | 0.8522% | 3,457 |
| Pretax return on assets | 1.0061% | 3,681 |
| Return on Equity (ROE) | 9.3521% | 2,653 |
| Retained earnings to average equity (ytd only) | 9.3521% | 1,107 |
| Net charge-offs to loans | 0.4507% | 2,303 |
| Credit loss provision to net charge-offs | 142.0032% | 2,033 |
| Earnings coverage of net charge-offs (x) | 4.3037% | 3,343 |
| Efficiency ratio | 65.3170% | 4,572 |
| Assets per employee ($millions) | 5.9158% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 4,926 |
| Loan loss allowance to noncurrent loans | 52.9085% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7896% | 2,930 |
| Noncurrent loans to loans | 2.4091% | 2,391 |
| Net loans and leases to total assets | 69.3355% | 2,048 |
| Net loans and leases to deposits | 84.4167% | 1,814 |
| Net loans and leases to core deposits | 91.7605% | 1,807 |
| Total domestic deposits to total assets | 82.1348% | 4,969 |
| Equity capital to assets | 9.5928% | 5,076 |
| Core capital (leverage) ratio | 9.7353% | 3,896 |
| Tier 1 risk-based capital ratio | 13.0256% | 5,219 |
| Total risk-based capital ratio | 14.2758% | 5,185 |
| Memoranda: | ||
| Average total assets | $246,105,000 | 2,592 |
| Average earning assets | $229,172,000 | 2,535 |
| Average equity | $22,425,750 | 2,949 |
| Average total loans | $183,137,250 | 2,187 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 1,948 |
| Cost of funding earning assets | 0.8338% | 2,920 |
| Net interest margin | 4.1095% | 2,050 |
| Noninterest income to average assets | 0.4018% | 4,636 |
| Noninterest expense to average assets | 2.7610% | 4,175 |
| Loan and lease loss provision to assets | 0.4194% | 1,558 |
| Net operating income to assets | 0.8684% | 3,050 |
| Return on assets (ROA) | 0.9190% | 3,083 |
| Pretax return on assets | 1.0986% | 3,307 |
| Return on Equity (ROE) | 10.2858% | 2,247 |
| Retained earnings to average equity (ytd only) | 10.2858% | 893 |
| Net charge-offs to loans | 0.2881% | 2,880 |
| Credit loss provision to net charge-offs | 191.6031% | 1,479 |
| Earnings coverage of net charge-offs (x) | 6.6603% | 2,600 |
| Efficiency ratio | 65.4455% | 4,635 |
| Assets per employee ($millions) | 5.6520% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 5,044 |
| Loan loss allowance to noncurrent loans | 109.7493% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 4,387 |
| Noncurrent loans to loans | 1.1552% | 4,226 |
| Net loans and leases to total assets | 75.7516% | 998 |
| Net loans and leases to deposits | 90.4359% | 1,104 |
| Net loans and leases to core deposits | 112.8158% | 488 |
| Total domestic deposits to total assets | 83.7628% | 4,415 |
| Equity capital to assets | 9.0748% | 5,610 |
| Core capital (leverage) ratio | 8.8532% | 5,122 |
| Tier 1 risk-based capital ratio | 11.6334% | 6,154 |
| Total risk-based capital ratio | 12.8838% | 6,132 |
| Memoranda: | ||
| Average total assets | $239,403,330 | 2,665 |
| Average earning assets | $222,365,330 | 2,617 |
| Average equity | $21,388,670 | 3,061 |
| Average total loans | $181,862,670 | 2,196 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 2,168 |
| Cost of funding earning assets | 0.8523% | 3,045 |
| Net interest margin | 4.0675% | 2,220 |
| Noninterest income to average assets | 0.4074% | 4,620 |
| Noninterest expense to average assets | 2.7106% | 4,387 |
| Loan and lease loss provision to assets | 0.3300% | 1,897 |
| Net operating income to assets | 0.9397% | 2,748 |
| Return on assets (ROA) | 0.9411% | 2,948 |
| Pretax return on assets | 1.1448% | 3,139 |
| Return on Equity (ROE) | 10.6196% | 2,179 |
| Retained earnings to average equity (ytd only) | 10.6196% | 1,136 |
| Net charge-offs to loans | 0.3341% | 2,319 |
| Credit loss provision to net charge-offs | 130.6667% | 1,863 |
| Earnings coverage of net charge-offs (x) | 5.8333% | 2,295 |
| Efficiency ratio | 64.7887% | 4,782 |
| Assets per employee ($millions) | 5.5917% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,462 |
| Loan loss allowance to noncurrent loans | 103.1874% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.9865% | 4,532 |
| Noncurrent loans to loans | 1.1667% | 4,379 |
| Net loans and leases to total assets | 74.0286% | 1,059 |
| Net loans and leases to deposits | 90.6973% | 903 |
| Net loans and leases to core deposits | 117.9287% | 344 |
| Total domestic deposits to total assets | 81.6216% | 5,419 |
| Equity capital to assets | 8.8777% | 5,662 |
| Core capital (leverage) ratio | 8.7221% | 5,259 |
| Tier 1 risk-based capital ratio | 11.3645% | 6,352 |
| Total risk-based capital ratio | 12.5532% | 6,368 |
| Memoranda: | ||
| Average total assets | $237,587,500 | 2,697 |
| Average earning assets | $220,578,500 | 2,646 |
| Average equity | $21,055,500 | 3,100 |
| Average total loans | $179,560,500 | 2,247 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 2,359 |
| Cost of funding earning assets | 0.9995% | 3,386 |
| Net interest margin | 4.1245% | 2,331 |
| Noninterest income to average assets | 0.2476% | 5,758 |
| Noninterest expense to average assets | 2.6831% | 4,811 |
| Loan and lease loss provision to assets | 0.3307% | 3,040 |
| Net operating income to assets | 0.7945% | 3,063 |
| Return on assets (ROA) | 0.8152% | 3,139 |
| Pretax return on assets | 1.0563% | 3,014 |
| Return on Equity (ROE) | 8.9466% | 2,475 |
| Retained earnings to average equity (ytd only) | 8.5133% | 917 |
| Net charge-offs to loans | 0.1577% | 4,882 |
| Credit loss provision to net charge-offs | 277.0428% | 859 |
| Earnings coverage of net charge-offs (x) | 11.3930% | 1,727 |
| Efficiency ratio | 66.3603% | 4,690 |
| Assets per employee ($millions) | 5.7251% | 1,425 |
| Cash dividends to net income (ytd only)* | 4.8433% | 3,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 5,456 |
| Loan loss allowance to noncurrent loans | 79.2164% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.2086% | 4,222 |
| Noncurrent loans to loans | 1.4976% | 3,901 |
| Net loans and leases to total assets | 75.3338% | 1,048 |
| Net loans and leases to deposits | 95.6205% | 695 |
| Net loans and leases to core deposits | 131.3245% | 222 |
| Total domestic deposits to total assets | 78.7841% | 6,040 |
| Equity capital to assets | 8.8463% | 5,735 |
| Core capital (leverage) ratio | 8.7848% | 5,126 |
| Tier 1 risk-based capital ratio | 11.0467% | 6,426 |
| Total risk-based capital ratio | 12.2090% | 6,454 |
| Memoranda: | ||
| Average total assets | $215,271,600 | 2,890 |
| Average earning assets | $198,108,600 | 2,877 |
| Average equity | $19,616,400 | 3,197 |
| Average total loans | $162,977,200 | 2,459 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1987% | 2,216 |
| Cost of funding earning assets | 1.0481% | 3,330 |
| Net interest margin | 4.1505% | 2,278 |
| Noninterest income to average assets | 0.2573% | 5,782 |
| Noninterest expense to average assets | 2.7197% | 4,656 |
| Loan and lease loss provision to assets | 0.2535% | 3,475 |
| Net operating income to assets | 0.8266% | 3,037 |
| Return on assets (ROA) | 0.8542% | 3,076 |
| Pretax return on assets | 1.1324% | 2,887 |
| Return on Equity (ROE) | 9.2983% | 2,462 |
| Retained earnings to average equity (ytd only) | 8.7120% | 1,249 |
| Net charge-offs to loans | 0.1317% | 4,734 |
| Credit loss provision to net charge-offs | 254.7771% | 1,121 |
| Earnings coverage of net charge-offs (x) | 13.5604% | 1,603 |
| Efficiency ratio | 66.8432% | 4,554 |
| Assets per employee ($millions) | 5.2632% | 1,856 |
| Cash dividends to net income (ytd only)* | 6.3056% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,912 |
| Loan loss allowance to noncurrent loans | 55.0562% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.5973% | 3,691 |
| Noncurrent loans to loans | 1.9867% | 3,386 |
| Net loans and leases to total assets | 76.3542% | 934 |
| Net loans and leases to deposits | 94.0338% | 835 |
| Net loans and leases to core deposits | 118.5513% | 428 |
| Total domestic deposits to total assets | 81.1987% | 5,371 |
| Equity capital to assets | 9.0205% | 5,736 |
| Core capital (leverage) ratio | 9.1237% | 4,761 |
| Tier 1 risk-based capital ratio | 11.0871% | 6,489 |
| Total risk-based capital ratio | 12.1637% | 6,572 |
| Memoranda: | ||
| Average total assets | $210,407,000 | 2,952 |
| Average earning assets | $193,224,500 | 2,943 |
| Average equity | $19,329,250 | 3,240 |
| Average total loans | $158,983,000 | 2,528 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2428% | 2,085 |
| Cost of funding earning assets | 1.0998% | 3,236 |
| Net interest margin | 4.1429% | 2,253 |
| Noninterest income to average assets | 0.2623% | 5,771 |
| Noninterest expense to average assets | 2.7693% | 4,547 |
| Loan and lease loss provision to assets | 0.1999% | 3,926 |
| Net operating income to assets | 0.8184% | 2,988 |
| Return on assets (ROA) | 0.8250% | 3,075 |
| Pretax return on assets | 1.0999% | 2,848 |
| Return on Equity (ROE) | 8.9206% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.0243% | 1,456 |
| Net charge-offs to loans | 0.1301% | 4,436 |
| Credit loss provision to net charge-offs | 205.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.2400% | 1,563 |
| Efficiency ratio | 68.2037% | 4,480 |
| Assets per employee ($millions) | 4.8057% | 2,400 |
| Cash dividends to net income (ytd only)* | 10.0473% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,881 |
| Loan loss allowance to noncurrent loans | 51.8876% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 1.7237% | 3,613 |
| Noncurrent loans to loans | 2.1570% | 3,274 |
| Net loans and leases to total assets | 75.8027% | 1,103 |
| Net loans and leases to deposits | 95.1271% | 791 |
| Net loans and leases to core deposits | 116.4669% | 507 |
| Total domestic deposits to total assets | 79.6857% | 5,902 |
| Equity capital to assets | 9.5358% | 4,759 |
| Core capital (leverage) ratio | 9.3506% | 4,172 |
| Tier 1 risk-based capital ratio | 11.5558% | 6,128 |
| Total risk-based capital ratio | 12.6241% | 6,256 |
| Memoranda: | ||
| Average total assets | $205,103,000 | 3,033 |
| Average earning assets | $188,031,000 | 3,025 |
| Average equity | $18,967,330 | 3,270 |
| Average total loans | $153,739,000 | 2,630 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 2,270 |
| Cost of funding earning assets | 1.1209% | 3,368 |
| Net interest margin | 4.0660% | 2,405 |
| Noninterest income to average assets | 0.2917% | 5,582 |
| Noninterest expense to average assets | 2.7563% | 4,621 |
| Loan and lease loss provision to assets | 0.1566% | 4,071 |
| Net operating income to assets | 0.8437% | 2,805 |
| Return on assets (ROA) | 0.8437% | 2,863 |
| Pretax return on assets | 1.1139% | 2,709 |
| Return on Equity (ROE) | 9.2696% | 2,357 |
| Retained earnings to average equity (ytd only) | 9.2696% | 1,299 |
| Net charge-offs to loans | 0.0793% | 4,145 |
| Credit loss provision to net charge-offs | 266.6667% | 1,179 |
| Earnings coverage of net charge-offs (x) | 21.6333% | 1,076 |
| Efficiency ratio | 68.4492% | 4,571 |
| Assets per employee ($millions) | 5.1514% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 5,990 |
| Loan loss allowance to noncurrent loans | 72.8275% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 4,595 |
| Noncurrent loans to loans | 1.5315% | 4,173 |
| Net loans and leases to total assets | 73.9212% | 1,359 |
| Net loans and leases to deposits | 94.0787% | 813 |
| Net loans and leases to core deposits | 116.9499% | 502 |
| Total domestic deposits to total assets | 78.5738% | 6,278 |
| Equity capital to assets | 9.2460% | 4,823 |
| Core capital (leverage) ratio | 9.1576% | 4,362 |
| Tier 1 risk-based capital ratio | 11.3064% | 6,249 |
| Total risk-based capital ratio | 12.3370% | 6,423 |
| Memoranda: | ||
| Average total assets | $204,333,000 | 3,062 |
| Average earning assets | $187,703,000 | 3,044 |
| Average equity | $18,598,500 | 3,308 |
| Average total loans | $151,401,500 | 2,695 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 3,446 |
| Cost of funding earning assets | 1.2487% | 4,226 |
| Net interest margin | 3.9837% | 3,085 |
| Noninterest income to average assets | 0.2419% | 6,068 |
| Noninterest expense to average assets | 2.7062% | 4,965 |
| Loan and lease loss provision to assets | 0.1688% | 5,534 |
| Net operating income to assets | 0.7514% | 2,994 |
| Return on assets (ROA) | 0.7742% | 3,034 |
| Pretax return on assets | 1.0759% | 2,677 |
| Return on Equity (ROE) | 8.6172% | 2,457 |
| Retained earnings to average equity (ytd only) | 8.6172% | 811 |
| Net charge-offs to loans | 0.1323% | 5,583 |
| Credit loss provision to net charge-offs | 177.4194% | 1,874 |
| Earnings coverage of net charge-offs (x) | 12.7527% | 1,475 |
| Efficiency ratio | 69.0501% | 4,368 |
| Assets per employee ($millions) | 5.1951% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,871 |
| Loan loss allowance to noncurrent loans | 54.8865% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.4999% | 4,067 |
| Noncurrent loans to loans | 2.0428% | 3,495 |
| Net loans and leases to total assets | 72.6015% | 1,967 |
| Net loans and leases to deposits | 90.6949% | 1,439 |
| Net loans and leases to core deposits | 110.5485% | 888 |
| Total domestic deposits to total assets | 80.0503% | 5,823 |
| Equity capital to assets | 8.9556% | 5,207 |
| Core capital (leverage) ratio | 8.7997% | 4,859 |
| Tier 1 risk-based capital ratio | 11.1342% | 6,227 |
| Total risk-based capital ratio | 12.1666% | 6,365 |
| Memoranda: | ||
| Average total assets | $195,549,400 | 3,153 |
| Average earning assets | $180,512,400 | 3,116 |
| Average equity | $17,569,600 | 3,493 |
| Average total loans | $140,602,400 | 2,938 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2416% | 3,621 |
| Cost of funding earning assets | 1.2798% | 4,372 |
| Net interest margin | 3.9618% | 3,284 |
| Noninterest income to average assets | 0.2408% | 6,168 |
| Noninterest expense to average assets | 2.7191% | 4,798 |
| Loan and lease loss provision to assets | 0.0550% | 6,520 |
| Net operating income to assets | 0.7949% | 3,023 |
| Return on assets (ROA) | 0.8256% | 3,039 |
| Pretax return on assets | 1.1648% | 2,621 |
| Return on Equity (ROE) | 9.1816% | 2,429 |
| Retained earnings to average equity (ytd only) | 9.1816% | 994 |
| Net charge-offs to loans | 0.0635% | 5,880 |
| Credit loss provision to net charge-offs | 121.2121% | 3,395 |
| Earnings coverage of net charge-offs (x) | 25.9084% | 980 |
| Efficiency ratio | 69.7987% | 4,112 |
| Assets per employee ($millions) | 5.2662% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 6,061 |
| Loan loss allowance to noncurrent loans | 61.2261% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 4,705 |
| Noncurrent loans to loans | 1.7505% | 4,016 |
| Net loans and leases to total assets | 69.1231% | 2,954 |
| Net loans and leases to deposits | 86.4402% | 2,248 |
| Net loans and leases to core deposits | 105.9662% | 1,324 |
| Total domestic deposits to total assets | 79.9664% | 5,720 |
| Equity capital to assets | 8.8480% | 5,784 |
| Core capital (leverage) ratio | 8.7722% | 5,061 |
| Tier 1 risk-based capital ratio | 11.2767% | 6,120 |
| Total risk-based capital ratio | 12.2627% | 6,351 |
| Memoranda: | ||
| Average total assets | $193,784,250 | 3,226 |
| Average earning assets | $178,768,750 | 3,179 |
| Average equity | $17,425,750 | 3,571 |
| Average total loans | $138,561,500 | 3,012 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3097% | 3,424 |
| Cost of funding earning assets | 1.3123% | 4,461 |
| Net interest margin | 3.9974% | 3,023 |
| Noninterest income to average assets | 0.2422% | 6,175 |
| Noninterest expense to average assets | 2.7633% | 4,645 |
| Loan and lease loss provision to assets | 0.0527% | 6,436 |
| Net operating income to assets | 0.7798% | 3,065 |
| Return on assets (ROA) | 0.7993% | 3,119 |
| Pretax return on assets | 1.1331% | 2,660 |
| Return on Equity (ROE) | 8.8374% | 2,532 |
| Retained earnings to average equity (ytd only) | 8.8374% | 1,163 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4619% | 4,097 |
| Assets per employee ($millions) | 4.9986% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,863 |
| Loan loss allowance to noncurrent loans | 136.2771% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 5,831 |
| Noncurrent loans to loans | 0.8191% | 5,638 |
| Net loans and leases to total assets | 71.5271% | 2,530 |
| Net loans and leases to deposits | 93.2709% | 1,369 |
| Net loans and leases to core deposits | 109.2362% | 1,218 |
| Total domestic deposits to total assets | 76.6875% | 6,566 |
| Equity capital to assets | 9.0368% | 5,388 |
| Core capital (leverage) ratio | 9.0482% | 4,526 |
| Tier 1 risk-based capital ratio | 10.9557% | 6,287 |
| Total risk-based capital ratio | 11.9612% | 6,504 |
| Memoranda: | ||
| Average total assets | $189,919,000 | 3,303 |
| Average earning assets | $174,812,330 | 3,260 |
| Average equity | $17,177,000 | 3,604 |
| Average total loans | $136,914,330 | 3,070 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 3,524 |
| Cost of funding earning assets | 1.3506% | 4,490 |
| Net interest margin | 3.9544% | 3,079 |
| Noninterest income to average assets | 0.2327% | 6,296 |
| Noninterest expense to average assets | 2.7598% | 4,652 |
| Loan and lease loss provision to assets | 0.0640% | 6,000 |
| Net operating income to assets | 0.7540% | 3,193 |
| Return on assets (ROA) | 0.7940% | 3,106 |
| Pretax return on assets | 1.1078% | 2,706 |
| Return on Equity (ROE) | 8.7751% | 2,569 |
| Retained earnings to average equity (ytd only) | 8.7751% | 1,463 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2004% | 4,084 |
| Assets per employee ($millions) | 4.8311% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,783 |
| Loan loss allowance to noncurrent loans | 141.6591% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 5,875 |
| Noncurrent loans to loans | 0.8110% | 5,690 |
| Net loans and leases to total assets | 70.9698% | 2,706 |
| Net loans and leases to deposits | 93.5332% | 1,400 |
| Net loans and leases to core deposits | 102.0772% | 1,896 |
| Total domestic deposits to total assets | 75.8765% | 6,780 |
| Equity capital to assets | 9.1203% | 5,107 |
| Core capital (leverage) ratio | 8.8871% | 4,745 |
| Tier 1 risk-based capital ratio | 10.9868% | 6,169 |
| Total risk-based capital ratio | 12.0053% | 6,372 |
| Memoranda: | ||
| Average total assets | $187,405,000 | 3,398 |
| Average earning assets | $172,668,500 | 3,363 |
| Average equity | $16,957,000 | 3,664 |
| Average total loans | $134,864,500 | 3,161 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 3,994 |
| Cost of funding earning assets | 1.8212% | 3,877 |
| Net interest margin | 3.7079% | 4,102 |
| Noninterest income to average assets | 0.2039% | 6,650 |
| Noninterest expense to average assets | 2.7006% | 5,392 |
| Loan and lease loss provision to assets | 0.1597% | 6,085 |
| Net operating income to assets | 0.5167% | 3,664 |
| Return on assets (ROA) | 0.6057% | 3,377 |
| Pretax return on assets | 0.9009% | 2,919 |
| Return on Equity (ROE) | 6.7368% | 2,897 |
| Retained earnings to average equity (ytd only) | 6.7368% | 1,055 |
| Net charge-offs to loans | 0.0966% | 6,169 |
| Credit loss provision to net charge-offs | 224.4094% | 1,670 |
| Earnings coverage of net charge-offs (x) | 13.0394% | 1,456 |
| Efficiency ratio | 74.4287% | 3,803 |
| Assets per employee ($millions) | 5.3256% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,732 |
| Loan loss allowance to noncurrent loans | 118.5992% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 5,572 |
| Noncurrent loans to loans | 0.9557% | 5,398 |
| Net loans and leases to total assets | 71.3181% | 2,921 |
| Net loans and leases to deposits | 89.3872% | 2,323 |
| Net loans and leases to core deposits | 97.1420% | 4,335 |
| Total domestic deposits to total assets | 79.7855% | 5,734 |
| Equity capital to assets | 8.9755% | 5,183 |
| Core capital (leverage) ratio | 8.8178% | 4,744 |
| Tier 1 risk-based capital ratio | 10.6700% | 6,236 |
| Total risk-based capital ratio | 11.6622% | 6,458 |
| Memoranda: | ||
| Average total assets | $178,479,400 | 3,464 |
| Average earning assets | $164,838,400 | 3,427 |
| Average equity | $16,046,200 | 3,863 |
| Average total loans | $131,532,200 | 3,239 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5497% | 4,161 |
| Cost of funding earning assets | 1.9109% | 3,823 |
| Net interest margin | 3.6388% | 4,329 |
| Noninterest income to average assets | 0.2009% | 6,774 |
| Noninterest expense to average assets | 2.7618% | 5,058 |
| Loan and lease loss provision to assets | 0.0869% | 6,498 |
| Net operating income to assets | 0.4753% | 4,093 |
| Return on assets (ROA) | 0.5854% | 3,721 |
| Pretax return on assets | 0.8823% | 3,280 |
| Return on Equity (ROE) | 6.5089% | 3,296 |
| Retained earnings to average equity (ytd only) | 6.5089% | 1,703 |
| Net charge-offs to loans | -0.0347% | 7,819 |
| Credit loss provision to net charge-offs | -338.2353% | 7,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4905% | 3,238 |
| Assets per employee ($millions) | 5.3004% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 5,434 |
| Loan loss allowance to noncurrent loans | 103.8382% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 5,546 |
| Noncurrent loans to loans | 1.1031% | 5,108 |
| Net loans and leases to total assets | 70.4775% | 3,394 |
| Net loans and leases to deposits | 87.1639% | 3,117 |
| Net loans and leases to core deposits | 95.3995% | 4,879 |
| Total domestic deposits to total assets | 80.8563% | 5,135 |
| Equity capital to assets | 8.8177% | 5,757 |
| Core capital (leverage) ratio | 8.8289% | 4,932 |
| Tier 1 risk-based capital ratio | 10.5551% | 6,411 |
| Total risk-based capital ratio | 11.5547% | 6,625 |
| Memoranda: | ||
| Average total assets | $176,500,250 | 3,516 |
| Average earning assets | $163,127,250 | 3,492 |
| Average equity | $15,875,250 | 3,935 |
| Average total loans | $130,800,750 | 3,289 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6381% | 3,873 |
| Cost of funding earning assets | 1.9880% | 3,833 |
| Net interest margin | 3.6501% | 4,168 |
| Noninterest income to average assets | 0.2063% | 6,814 |
| Noninterest expense to average assets | 2.8323% | 4,818 |
| Loan and lease loss provision to assets | 0.0980% | 6,193 |
| Net operating income to assets | 0.4378% | 4,344 |
| Return on assets (ROA) | 0.6052% | 3,763 |
| Pretax return on assets | 0.9118% | 3,296 |
| Return on Equity (ROE) | 6.6818% | 3,345 |
| Retained earnings to average equity (ytd only) | 6.6818% | 1,704 |
| Net charge-offs to loans | -0.0276% | 7,760 |
| Credit loss provision to net charge-offs | -472.2222% | 7,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9271% | 3,205 |
| Assets per employee ($millions) | 5.0931% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,415 |
| Loan loss allowance to noncurrent loans | 108.8148% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 5,494 |
| Noncurrent loans to loans | 1.0344% | 5,148 |
| Net loans and leases to total assets | 72.3926% | 3,118 |
| Net loans and leases to deposits | 99.8646% | 1,300 |
| Net loans and leases to core deposits | 110.7006% | 3,306 |
| Total domestic deposits to total assets | 72.4907% | 7,191 |
| Equity capital to assets | 8.9168% | 5,426 |
| Core capital (leverage) ratio | 9.1503% | 4,385 |
| Tier 1 risk-based capital ratio | 10.8630% | 6,020 |
| Total risk-based capital ratio | 11.8764% | 6,191 |
| Memoranda: | ||
| Average total assets | $173,496,000 | 3,575 |
| Average earning assets | $160,763,670 | 3,550 |
| Average equity | $15,714,330 | 3,975 |
| Average total loans | $130,314,330 | 3,328 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 3,382 |
| Cost of funding earning assets | 2.1584% | 3,375 |
| Net interest margin | 3.6258% | 4,211 |
| Noninterest income to average assets | 0.2267% | 6,647 |
| Noninterest expense to average assets | 2.8636% | 4,284 |
| Loan and lease loss provision to assets | 0.1403% | 5,153 |
| Net operating income to assets | 0.3951% | 4,875 |
| Return on assets (ROA) | 0.3951% | 5,053 |
| Pretax return on assets | 0.5961% | 4,764 |
| Return on Equity (ROE) | 4.3267% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.3267% | 3,505 |
| Net charge-offs to loans | -0.0553% | 7,725 |
| Credit loss provision to net charge-offs | -333.3333% | 6,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5455% | 2,901 |
| Assets per employee ($millions) | 4.8659% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,371 |
| Loan loss allowance to noncurrent loans | 242.2819% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 6,448 |
| Noncurrent loans to loans | 0.4595% | 6,265 |
| Net loans and leases to total assets | 75.3159% | 2,428 |
| Net loans and leases to deposits | 97.5304% | 1,730 |
| Net loans and leases to core deposits | 114.8078% | 2,925 |
| Total domestic deposits to total assets | 77.2230% | 6,221 |
| Equity capital to assets | 9.2145% | 5,073 |
| Core capital (leverage) ratio | 8.9733% | 4,749 |
| Tier 1 risk-based capital ratio | 11.3580% | 5,543 |
| Total risk-based capital ratio | 12.4237% | 5,647 |
| Memoranda: | ||
| Average total assets | $171,114,000 | 3,633 |
| Average earning assets | $159,190,500 | 3,589 |
| Average equity | $15,624,000 | 4,017 |
| Average total loans | $130,213,500 | 3,357 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3689% | 3,582 |
| Cost of funding earning assets | 2.9820% | 1,928 |
| Net interest margin | 3.3869% | 5,713 |
| Noninterest income to average assets | 0.2062% | 6,970 |
| Noninterest expense to average assets | 2.6073% | 5,624 |
| Loan and lease loss provision to assets | 0.1658% | 5,264 |
| Net operating income to assets | 0.3801% | 5,224 |
| Return on assets (ROA) | 0.4221% | 4,883 |
| Pretax return on assets | 0.6166% | 4,642 |
| Return on Equity (ROE) | 4.8410% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.8410% | 2,118 |
| Net charge-offs to loans | 0.0684% | 5,793 |
| Credit loss provision to net charge-offs | 315.1163% | 1,432 |
| Earnings coverage of net charge-offs (x) | 13.6977% | 2,113 |
| Efficiency ratio | 78.3456% | 2,864 |
| Assets per employee ($millions) | 4.7756% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 5,668 |
| Loan loss allowance to noncurrent loans | 242.6288% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 6,166 |
| Noncurrent loans to loans | 0.4307% | 6,051 |
| Net loans and leases to total assets | 75.2373% | 2,823 |
| Net loans and leases to deposits | 97.5019% | 2,195 |
| Net loans and leases to core deposits | 121.9815% | 2,509 |
| Total domestic deposits to total assets | 77.1650% | 5,950 |
| Equity capital to assets | 9.0478% | 5,309 |
| Core capital (leverage) ratio | 9.0032% | 4,736 |
| Tier 1 risk-based capital ratio | 11.2872% | 5,453 |
| Total risk-based capital ratio | 12.2958% | 5,573 |
| Memoranda: | ||
| Average total assets | $163,466,200 | 3,657 |
| Average earning assets | $150,669,000 | 3,643 |
| Average equity | $14,253,200 | 4,281 |
| Average total loans | $125,657,400 | 3,334 |