Home > Landmark National Bank > Performance and Condition Ratios
Landmark National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 2,660 |
| Cost of funding earning assets | 1.4010% | 2,228 |
| Net interest margin | 3.3079% | 2,614 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.7334% | 1,658 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9332% | 2,436 |
| Return on assets (ROA) | 0.8649% | 2,630 |
| Pretax return on assets | 1.0275% | 2,592 |
| Return on Equity (ROE) | 9.2900% | 2,686 |
| Retained earnings to average equity (ytd only) | 3.6836% | 3,061 |
| Net charge-offs to loans | -0.0049% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.6083% | 2,154 |
| Assets per employee ($millions) | 5.7685% | 3,011 |
| Cash dividends to net income (ytd only)* | 60.3682% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,746 |
| Loan loss allowance to noncurrent loans | 443.6637% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 2,159 |
| Noncurrent loans to loans | 0.2519% | 2,293 |
| Net loans and leases to total assets | 60.2600% | 2,823 |
| Net loans and leases to deposits | 71.0021% | 2,817 |
| Net loans and leases to core deposits | 78.2976% | 2,816 |
| Total domestic deposits to total assets | 84.8600% | 2,351 |
| Equity capital to assets | 9.7411% | 2,166 |
| Core capital (leverage) ratio | 8.6792% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6967% | 1,985 |
| Memoranda: | ||
| Average total assets | $1,532,255,600 | 706 |
| Average earning assets | $1,376,179,000 | 712 |
| Average equity | $142,577,600 | 701 |
| Average total loans | $901,788,000 | 791 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 2,688 |
| Cost of funding earning assets | 1.2870% | 2,182 |
| Net interest margin | 3.3088% | 2,661 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 2.7326% | 1,582 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9111% | 2,641 |
| Return on assets (ROA) | 0.9111% | 2,628 |
| Pretax return on assets | 1.1271% | 2,486 |
| Return on Equity (ROE) | 9.9100% | 2,660 |
| Retained earnings to average equity (ytd only) | 4.1123% | 3,232 |
| Net charge-offs to loans | -0.0608% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.1576% | 2,122 |
| Assets per employee ($millions) | 5.6489% | 3,064 |
| Cash dividends to net income (ytd only)* | 58.5020% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 2,522 |
| Loan loss allowance to noncurrent loans | 247.0721% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 1,648 |
| Noncurrent loans to loans | 0.4729% | 1,641 |
| Net loans and leases to total assets | 59.7300% | 2,870 |
| Net loans and leases to deposits | 70.4623% | 2,812 |
| Net loans and leases to core deposits | 76.8680% | 2,811 |
| Total domestic deposits to total assets | 84.7700% | 2,573 |
| Equity capital to assets | 8.6843% | 2,604 |
| Core capital (leverage) ratio | 8.6691% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6669% | 2,023 |
| Memoranda: | ||
| Average total assets | $1,525,946,750 | 713 |
| Average earning assets | $1,370,264,500 | 717 |
| Average equity | $140,292,750 | 705 |
| Average total loans | $889,965,000 | 802 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 2,730 |
| Cost of funding earning assets | 1.1164% | 2,225 |
| Net interest margin | 3.3492% | 2,645 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 2.7507% | 1,526 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9243% | 2,673 |
| Return on assets (ROA) | 0.9243% | 2,659 |
| Pretax return on assets | 1.1437% | 2,527 |
| Return on Equity (ROE) | 9.8700% | 2,745 |
| Retained earnings to average equity (ytd only) | 4.2368% | 3,150 |
| Net charge-offs to loans | 0.0263% | 1,358 |
| Credit loss provision to net charge-offs | 217.3913% | 1,010 |
| Earnings coverage of net charge-offs (x) | 78.0261% | 1,063 |
| Efficiency ratio | 66.7963% | 2,138 |
| Assets per employee ($millions) | 5.5614% | 3,094 |
| Cash dividends to net income (ytd only)* | 57.0613% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,627 |
| Loan loss allowance to noncurrent loans | 375.3233% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 1,983 |
| Noncurrent loans to loans | 0.3104% | 2,031 |
| Net loans and leases to total assets | 57.7500% | 2,985 |
| Net loans and leases to deposits | 68.7957% | 2,873 |
| Net loans and leases to core deposits | 72.8083% | 2,971 |
| Total domestic deposits to total assets | 83.9500% | 2,830 |
| Equity capital to assets | 9.3270% | 2,291 |
| Core capital (leverage) ratio | 8.7328% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9419% | 1,922 |
| Memoranda: | ||
| Average total assets | $1,516,782,667 | 704 |
| Average earning assets | $1,362,292,000 | 707 |
| Average equity | $142,088,333 | 692 |
| Average total loans | $873,657,667 | 796 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 2,774 |
| Cost of funding earning assets | 0.9251% | 2,293 |
| Net interest margin | 3.3872% | 2,667 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.7754% | 1,497 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9294% | 2,757 |
| Return on assets (ROA) | 0.9294% | 2,716 |
| Pretax return on assets | 1.1482% | 2,579 |
| Return on Equity (ROE) | 9.9000% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.2473% | 3,198 |
| Net charge-offs to loans | 0.0218% | 1,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 93.1277% | 822 |
| Efficiency ratio | 67.3945% | 2,048 |
| Assets per employee ($millions) | 5.3971% | 3,321 |
| Cash dividends to net income (ytd only)* | 57.0939% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,674 |
| Loan loss allowance to noncurrent loans | 309.4334% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 1,748 |
| Noncurrent loans to loans | 0.3807% | 1,791 |
| Net loans and leases to total assets | 56.8000% | 2,979 |
| Net loans and leases to deposits | 66.1204% | 2,923 |
| Net loans and leases to core deposits | 68.1411% | 3,089 |
| Total domestic deposits to total assets | 85.9000% | 2,623 |
| Equity capital to assets | 9.5141% | 2,132 |
| Core capital (leverage) ratio | 8.6888% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1229% | 1,938 |
| Memoranda: | ||
| Average total assets | $1,507,697,000 | 720 |
| Average earning assets | $1,353,429,000 | 726 |
| Average equity | $141,550,000 | 704 |
| Average total loans | $862,037,500 | 820 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5357% | 2,984 |
| Cost of funding earning assets | 0.2731% | 3,119 |
| Net interest margin | 3.2625% | 2,669 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.0704% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8365% | 3,200 |
| Return on assets (ROA) | 0.7661% | 3,375 |
| Pretax return on assets | 0.8935% | 3,377 |
| Return on Equity (ROE) | 7.7100% | 3,461 |
| Retained earnings to average equity (ytd only) | -14.2169% | 4,670 |
| Net charge-offs to loans | -0.0023% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.2380% | 1,293 |
| Assets per employee ($millions) | 5.4304% | 3,283 |
| Cash dividends to net income (ytd only)* | 284.3992% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,194 |
| Loan loss allowance to noncurrent loans | 264.3115% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 1,722 |
| Noncurrent loans to loans | 0.3902% | 1,750 |
| Net loans and leases to total assets | 56.2900% | 2,998 |
| Net loans and leases to deposits | 64.3812% | 3,008 |
| Net loans and leases to core deposits | 65.6753% | 3,151 |
| Total domestic deposits to total assets | 87.4300% | 2,256 |
| Equity capital to assets | 9.2613% | 2,187 |
| Core capital (leverage) ratio | 8.5857% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1010% | 1,938 |
| Memoranda: | ||
| Average total assets | $1,347,065,800 | 760 |
| Average earning assets | $1,225,912,800 | 775 |
| Average equity | $133,854,600 | 734 |
| Average total loans | $709,661,400 | 894 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2429% | 3,323 |
| Cost of funding earning assets | 0.1636% | 3,698 |
| Net interest margin | 3.0793% | 2,992 |
| Noninterest income to average assets | 1.1200% | 557 |
| Noninterest expense to average assets | 2.7768% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9393% | 2,714 |
| Return on assets (ROA) | 0.9102% | 2,806 |
| Pretax return on assets | 1.1210% | 2,656 |
| Return on Equity (ROE) | 8.9900% | 3,032 |
| Retained earnings to average equity (ytd only) | -18.3111% | 4,725 |
| Net charge-offs to loans | -0.0164% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.0906% | 2,010 |
| Assets per employee ($millions) | 5.2109% | 3,493 |
| Cash dividends to net income (ytd only)* | 303.7932% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,315 |
| Loan loss allowance to noncurrent loans | 183.6616% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 1,167 |
| Noncurrent loans to loans | 0.6757% | 1,206 |
| Net loans and leases to total assets | 53.4700% | 3,147 |
| Net loans and leases to deposits | 62.7638% | 2,963 |
| Net loans and leases to core deposits | 64.0295% | 3,116 |
| Total domestic deposits to total assets | 85.1900% | 3,239 |
| Equity capital to assets | 7.6067% | 3,150 |
| Core capital (leverage) ratio | 8.7786% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7854% | 1,775 |
| Memoranda: | ||
| Average total assets | $1,309,132,250 | 792 |
| Average earning assets | $1,196,087,250 | 800 |
| Average equity | $132,616,000 | 750 |
| Average total loans | $673,969,750 | 931 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0900% | 3,332 |
| Cost of funding earning assets | 0.0943% | 4,252 |
| Net interest margin | 2.9957% | 2,893 |
| Noninterest income to average assets | 1.1004% | 552 |
| Noninterest expense to average assets | 2.7158% | 1,350 |
| Loan and lease loss provision to assets | -0.0766% | 4,565 |
| Net operating income to assets | 0.9771% | 2,237 |
| Return on assets (ROA) | 0.9771% | 2,211 |
| Pretax return on assets | 1.2047% | 2,061 |
| Return on Equity (ROE) | 8.9000% | 2,730 |
| Retained earnings to average equity (ytd only) | 5.4131% | 2,551 |
| Net charge-offs to loans | -0.0121% | 3,655 |
| Credit loss provision to net charge-offs | 1,250.0000% | 344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0583% | 2,234 |
| Assets per employee ($millions) | 4.9766% | 3,692 |
| Cash dividends to net income (ytd only)* | 39.1788% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,537 |
| Loan loss allowance to noncurrent loans | 170.1453% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 1,186 |
| Noncurrent loans to loans | 0.7225% | 1,197 |
| Net loans and leases to total assets | 51.8327% | 3,178 |
| Net loans and leases to deposits | 58.7878% | 3,151 |
| Net loans and leases to core deposits | 59.9263% | 3,274 |
| Total domestic deposits to total assets | 88.1691% | 2,508 |
| Equity capital to assets | 10.4848% | 1,439 |
| Core capital (leverage) ratio | 10.4949% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3445% | 945 |
| Memoranda: | ||
| Average total assets | $1,306,053,333 | 791 |
| Average earning assets | $1,196,114,667 | 800 |
| Average equity | $143,393,333 | 713 |
| Average total loans | $660,714,000 | 941 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9772% | 3,319 |
| Cost of funding earning assets | 0.0656% | 4,491 |
| Net interest margin | 2.9116% | 2,797 |
| Noninterest income to average assets | 1.0631% | 605 |
| Noninterest expense to average assets | 2.6359% | 1,511 |
| Loan and lease loss provision to assets | -0.1521% | 4,649 |
| Net operating income to assets | 1.0151% | 1,812 |
| Return on assets (ROA) | 1.0151% | 1,806 |
| Pretax return on assets | 1.2551% | 1,641 |
| Return on Equity (ROE) | 9.0456% | 2,305 |
| Retained earnings to average equity (ytd only) | 8.0966% | 1,551 |
| Net charge-offs to loans | -0.0502% | 4,256 |
| Credit loss provision to net charge-offs | 609.7561% | 463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9281% | 2,515 |
| Assets per employee ($millions) | 4.8994% | 3,836 |
| Cash dividends to net income (ytd only)* | 10.4916% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 2,320 |
| Loan loss allowance to noncurrent loans | 178.7211% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 1,331 |
| Noncurrent loans to loans | 0.7318% | 1,302 |
| Net loans and leases to total assets | 48.3851% | 3,347 |
| Net loans and leases to deposits | 55.0833% | 3,338 |
| Net loans and leases to core deposits | 56.1326% | 3,437 |
| Total domestic deposits to total assets | 87.8398% | 2,603 |
| Equity capital to assets | 10.8886% | 1,389 |
| Core capital (leverage) ratio | 10.5339% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2075% | 876 |
| Memoranda: | ||
| Average total assets | $1,314,608,500 | 792 |
| Average earning assets | $1,208,121,000 | 801 |
| Average equity | $147,518,500 | 719 |
| Average total loans | $652,866,500 | 943 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 2,716 |
| Cost of funding earning assets | 0.0903% | 4,454 |
| Net interest margin | 3.3902% | 2,063 |
| Noninterest income to average assets | 1.6324% | 424 |
| Noninterest expense to average assets | 2.9467% | 1,066 |
| Loan and lease loss provision to assets | 0.0400% | 2,238 |
| Net operating income to assets | 1.3832% | 1,338 |
| Return on assets (ROA) | 1.4550% | 1,195 |
| Pretax return on assets | 1.8449% | 827 |
| Return on Equity (ROE) | 12.1827% | 1,748 |
| Retained earnings to average equity (ytd only) | 9.1034% | 1,166 |
| Net charge-offs to loans | 0.0714% | 1,077 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 44.8740% | 1,367 |
| Efficiency ratio | 59.4590% | 3,230 |
| Assets per employee ($millions) | 5.0226% | 3,708 |
| Cash dividends to net income (ytd only)* | 25.2761% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,288 |
| Loan loss allowance to noncurrent loans | 167.7820% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 1,126 |
| Noncurrent loans to loans | 0.7843% | 1,299 |
| Net loans and leases to total assets | 49.6258% | 3,336 |
| Net loans and leases to deposits | 57.0234% | 3,335 |
| Net loans and leases to core deposits | 58.1384% | 3,463 |
| Total domestic deposits to total assets | 87.0271% | 2,510 |
| Equity capital to assets | 11.5486% | 1,483 |
| Core capital (leverage) ratio | 10.5765% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4566% | 974 |
| Memoranda: | ||
| Average total assets | $1,250,758,200 | 798 |
| Average earning assets | $1,146,685,800 | 806 |
| Average equity | $149,384,000 | 716 |
| Average total loans | $700,676,400 | 877 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5955% | 2,573 |
| Cost of funding earning assets | 0.0955% | 4,532 |
| Net interest margin | 3.5000% | 1,862 |
| Noninterest income to average assets | 1.7239% | 428 |
| Noninterest expense to average assets | 2.9626% | 1,031 |
| Loan and lease loss provision to assets | 0.0541% | 1,900 |
| Net operating income to assets | 1.5128% | 1,240 |
| Return on assets (ROA) | 1.6101% | 1,053 |
| Pretax return on assets | 2.0340% | 755 |
| Return on Equity (ROE) | 13.3620% | 1,591 |
| Retained earnings to average equity (ytd only) | 10.2184% | 1,259 |
| Net charge-offs to loans | 0.0957% | 760 |
| Credit loss provision to net charge-offs | 98.2318% | 1,619 |
| Earnings coverage of net charge-offs (x) | 35.6699% | 1,440 |
| Efficiency ratio | 57.4325% | 3,362 |
| Assets per employee ($millions) | 4.5814% | 4,060 |
| Cash dividends to net income (ytd only)* | 23.5262% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,490 |
| Loan loss allowance to noncurrent loans | 89.1851% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 670 |
| Noncurrent loans to loans | 1.4570% | 726 |
| Net loans and leases to total assets | 53.2358% | 3,053 |
| Net loans and leases to deposits | 61.9462% | 3,046 |
| Net loans and leases to core deposits | 63.2806% | 3,198 |
| Total domestic deposits to total assets | 85.9389% | 2,773 |
| Equity capital to assets | 12.2214% | 1,300 |
| Core capital (leverage) ratio | 10.5286% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3186% | 1,079 |
| Memoranda: | ||
| Average total assets | $1,231,953,000 | 820 |
| Average earning assets | $1,127,640,750 | 827 |
| Average equity | $148,447,000 | 730 |
| Average total loans | $709,144,750 | 886 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 2,527 |
| Cost of funding earning assets | 0.0972% | 4,599 |
| Net interest margin | 3.5346% | 1,758 |
| Noninterest income to average assets | 1.7445% | 410 |
| Noninterest expense to average assets | 2.9448% | 1,075 |
| Loan and lease loss provision to assets | 0.0816% | 1,492 |
| Net operating income to assets | 1.5457% | 1,180 |
| Return on assets (ROA) | 1.6885% | 937 |
| Pretax return on assets | 2.1381% | 638 |
| Return on Equity (ROE) | 14.0811% | 1,388 |
| Retained earnings to average equity (ytd only) | 10.9514% | 1,139 |
| Net charge-offs to loans | 0.0311% | 1,348 |
| Credit loss provision to net charge-offs | 446.4286% | 718 |
| Earnings coverage of net charge-offs (x) | 111.5625% | 705 |
| Efficiency ratio | 56.3093% | 3,504 |
| Assets per employee ($millions) | 4.5502% | 4,064 |
| Cash dividends to net income (ytd only)* | 22.2265% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,334 |
| Loan loss allowance to noncurrent loans | 68.9103% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.1776% | 594 |
| Noncurrent loans to loans | 1.9165% | 517 |
| Net loans and leases to total assets | 54.9140% | 3,032 |
| Net loans and leases to deposits | 63.2249% | 3,079 |
| Net loans and leases to core deposits | 64.5930% | 3,234 |
| Total domestic deposits to total assets | 86.8551% | 2,403 |
| Equity capital to assets | 12.0346% | 1,341 |
| Core capital (leverage) ratio | 10.3112% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3927% | 1,051 |
| Memoranda: | ||
| Average total assets | $1,225,693,667 | 815 |
| Average earning assets | $1,123,251,000 | 822 |
| Average equity | $146,977,000 | 730 |
| Average total loans | $720,658,667 | 874 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 2,647 |
| Cost of funding earning assets | 0.1016% | 4,635 |
| Net interest margin | 3.4949% | 1,838 |
| Noninterest income to average assets | 1.7924% | 446 |
| Noninterest expense to average assets | 2.9530% | 1,061 |
| Loan and lease loss provision to assets | 0.1646% | 764 |
| Net operating income to assets | 1.4852% | 1,360 |
| Return on assets (ROA) | 1.7647% | 888 |
| Pretax return on assets | 2.2331% | 650 |
| Return on Equity (ROE) | 14.7438% | 1,270 |
| Retained earnings to average equity (ytd only) | 11.4436% | 1,284 |
| Net charge-offs to loans | 0.0022% | 1,841 |
| Credit loss provision to net charge-offs | 12,500.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,552.2500% | 53 |
| Efficiency ratio | 56.2187% | 3,521 |
| Assets per employee ($millions) | 4.4644% | 4,135 |
| Cash dividends to net income (ytd only)* | 22.3839% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,661 |
| Loan loss allowance to noncurrent loans | 84.1670% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0027% | 822 |
| Noncurrent loans to loans | 1.4864% | 843 |
| Net loans and leases to total assets | 58.7527% | 2,714 |
| Net loans and leases to deposits | 67.9825% | 2,708 |
| Net loans and leases to core deposits | 69.4255% | 2,913 |
| Total domestic deposits to total assets | 86.4232% | 2,563 |
| Equity capital to assets | 11.7304% | 1,423 |
| Core capital (leverage) ratio | 10.1932% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0943% | 1,058 |
| Memoranda: | ||
| Average total assets | $1,215,158,500 | 810 |
| Average earning assets | $1,114,193,000 | 818 |
| Average equity | $145,444,000 | 730 |
| Average total loans | $734,082,500 | 863 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 2,732 |
| Cost of funding earning assets | 0.2182% | 4,514 |
| Net interest margin | 3.7795% | 1,555 |
| Noninterest income to average assets | 2.2068% | 294 |
| Noninterest expense to average assets | 3.2681% | 944 |
| Loan and lease loss provision to assets | 0.3040% | 1,238 |
| Net operating income to assets | 1.6608% | 554 |
| Return on assets (ROA) | 1.8412% | 382 |
| Pretax return on assets | 2.2996% | 257 |
| Return on Equity (ROE) | 14.7438% | 679 |
| Retained earnings to average equity (ytd only) | 9.6539% | 649 |
| Net charge-offs to loans | 0.1495% | 1,090 |
| Credit loss provision to net charge-offs | 332.6613% | 1,625 |
| Earnings coverage of net charge-offs (x) | 26.0232% | 1,728 |
| Efficiency ratio | 55.2675% | 4,069 |
| Assets per employee ($millions) | 4.2012% | 4,210 |
| Cash dividends to net income (ytd only)* | 34.5224% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,907 |
| Loan loss allowance to noncurrent loans | 83.4522% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.0373% | 908 |
| Noncurrent loans to loans | 1.4462% | 933 |
| Net loans and leases to total assets | 60.6301% | 2,777 |
| Net loans and leases to deposits | 70.3813% | 2,838 |
| Net loans and leases to core deposits | 72.2459% | 3,052 |
| Total domestic deposits to total assets | 86.1452% | 2,306 |
| Equity capital to assets | 12.2201% | 1,469 |
| Core capital (leverage) ratio | 10.4721% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5022% | 1,152 |
| Memoranda: | ||
| Average total assets | $1,085,530,600 | 814 |
| Average earning assets | $987,819,200 | 828 |
| Average equity | $135,562,400 | 741 |
| Average total loans | $663,563,400 | 908 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 2,985 |
| Cost of funding earning assets | 0.2544% | 4,498 |
| Net interest margin | 3.7422% | 1,790 |
| Noninterest income to average assets | 2.1787% | 294 |
| Noninterest expense to average assets | 3.2687% | 953 |
| Loan and lease loss provision to assets | 0.3269% | 1,193 |
| Net operating income to assets | 1.5707% | 778 |
| Return on assets (ROA) | 1.8138% | 485 |
| Pretax return on assets | 2.2904% | 283 |
| Return on Equity (ROE) | 14.4377% | 807 |
| Retained earnings to average equity (ytd only) | 8.7047% | 1,072 |
| Net charge-offs to loans | 0.1443% | 1,015 |
| Credit loss provision to net charge-offs | 370.8987% | 1,545 |
| Earnings coverage of net charge-offs (x) | 26.2111% | 1,701 |
| Efficiency ratio | 55.9702% | 3,923 |
| Assets per employee ($millions) | 4.0924% | 4,247 |
| Cash dividends to net income (ytd only)* | 39.7089% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,165 |
| Loan loss allowance to noncurrent loans | 131.8311% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6837% | 1,698 |
| Noncurrent loans to loans | 0.8408% | 1,748 |
| Net loans and leases to total assets | 65.1391% | 2,625 |
| Net loans and leases to deposits | 77.4142% | 2,601 |
| Net loans and leases to core deposits | 79.4561% | 2,890 |
| Total domestic deposits to total assets | 84.1435% | 2,773 |
| Equity capital to assets | 12.2431% | 1,556 |
| Core capital (leverage) ratio | 10.1954% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9370% | 1,262 |
| Memoranda: | ||
| Average total assets | $1,060,725,750 | 816 |
| Average earning assets | $963,627,500 | 829 |
| Average equity | $133,258,500 | 746 |
| Average total loans | $647,681,750 | 916 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0713% | 3,122 |
| Cost of funding earning assets | 0.3156% | 4,417 |
| Net interest margin | 3.7557% | 1,970 |
| Noninterest income to average assets | 1.9563% | 300 |
| Noninterest expense to average assets | 3.2431% | 1,084 |
| Loan and lease loss provision to assets | 0.3100% | 1,391 |
| Net operating income to assets | 1.4377% | 1,041 |
| Return on assets (ROA) | 1.7120% | 662 |
| Pretax return on assets | 2.1514% | 395 |
| Return on Equity (ROE) | 13.5004% | 979 |
| Retained earnings to average equity (ytd only) | 6.4423% | 1,883 |
| Net charge-offs to loans | 0.1046% | 1,235 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 34.1719% | 1,349 |
| Efficiency ratio | 57.9548% | 3,690 |
| Assets per employee ($millions) | 4.0137% | 4,297 |
| Cash dividends to net income (ytd only)* | 52.2802% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,182 |
| Loan loss allowance to noncurrent loans | 93.9600% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 1,613 |
| Noncurrent loans to loans | 1.1486% | 1,373 |
| Net loans and leases to total assets | 63.6398% | 2,927 |
| Net loans and leases to deposits | 74.8467% | 2,986 |
| Net loans and leases to core deposits | 77.6600% | 3,134 |
| Total domestic deposits to total assets | 85.0269% | 2,387 |
| Equity capital to assets | 12.1652% | 1,556 |
| Core capital (leverage) ratio | 10.1974% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9878% | 1,246 |
| Memoranda: | ||
| Average total assets | $1,032,347,333 | 822 |
| Average earning assets | $936,020,667 | 843 |
| Average equity | $130,915,000 | 752 |
| Average total loans | $611,986,000 | 947 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 3,309 |
| Cost of funding earning assets | 0.4510% | 4,147 |
| Net interest margin | 3.7227% | 2,252 |
| Noninterest income to average assets | 1.3612% | 482 |
| Noninterest expense to average assets | 3.1843% | 1,457 |
| Loan and lease loss provision to assets | 0.4845% | 612 |
| Net operating income to assets | 0.8521% | 2,703 |
| Return on assets (ROA) | 1.4310% | 994 |
| Pretax return on assets | 1.7734% | 742 |
| Return on Equity (ROE) | 11.0317% | 1,399 |
| Retained earnings to average equity (ytd only) | 1.7867% | 3,517 |
| Net charge-offs to loans | 0.1345% | 923 |
| Credit loss provision to net charge-offs | 638.2979% | 762 |
| Earnings coverage of net charge-offs (x) | 20.3298% | 1,418 |
| Efficiency ratio | 64.9898% | 3,089 |
| Assets per employee ($millions) | 3.4961% | 4,484 |
| Cash dividends to net income (ytd only)* | 83.8036% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,094 |
| Loan loss allowance to noncurrent loans | 98.9286% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 1,631 |
| Noncurrent loans to loans | 1.3241% | 1,226 |
| Net loans and leases to total assets | 57.1542% | 3,741 |
| Net loans and leases to deposits | 67.3515% | 3,772 |
| Net loans and leases to core deposits | 71.5663% | 3,779 |
| Total domestic deposits to total assets | 84.8596% | 2,457 |
| Equity capital to assets | 13.1682% | 1,355 |
| Core capital (leverage) ratio | 10.7650% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8937% | 1,372 |
| Memoranda: | ||
| Average total assets | $990,616,500 | 828 |
| Average earning assets | $895,811,500 | 848 |
| Average equity | $128,502,500 | 755 |
| Average total loans | $559,056,000 | 998 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 3,920 |
| Cost of funding earning assets | 0.6467% | 3,428 |
| Net interest margin | 3.5059% | 3,433 |
| Noninterest income to average assets | 1.5326% | 396 |
| Noninterest expense to average assets | 3.2257% | 1,459 |
| Loan and lease loss provision to assets | 0.1411% | 1,508 |
| Net operating income to assets | 1.1547% | 2,239 |
| Return on assets (ROA) | 1.1392% | 2,398 |
| Pretax return on assets | 1.3108% | 2,473 |
| Return on Equity (ROE) | 9.4239% | 2,559 |
| Retained earnings to average equity (ytd only) | 5.6714% | 2,042 |
| Net charge-offs to loans | 0.1331% | 1,444 |
| Credit loss provision to net charge-offs | 200.5731% | 1,322 |
| Earnings coverage of net charge-offs (x) | 20.8897% | 1,911 |
| Efficiency ratio | 66.1085% | 2,753 |
| Assets per employee ($millions) | 3.5170% | 4,468 |
| Cash dividends to net income (ytd only)* | 39.8195% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,536 |
| Loan loss allowance to noncurrent loans | 116.6066% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 2,140 |
| Noncurrent loans to loans | 1.0136% | 1,498 |
| Net loans and leases to total assets | 54.3218% | 4,057 |
| Net loans and leases to deposits | 64.4768% | 4,048 |
| Net loans and leases to core deposits | 70.7220% | 3,928 |
| Total domestic deposits to total assets | 84.2501% | 2,770 |
| Equity capital to assets | 12.7776% | 1,659 |
| Core capital (leverage) ratio | 10.7233% | 2,743 |
| Tier 1 risk-based capital ratio | 15.9439% | 2,425 |
| Total risk-based capital ratio | 16.9518% | 2,437 |
| Memoranda: | ||
| Average total assets | $992,038,400 | 789 |
| Average earning assets | $894,980,000 | 804 |
| Average equity | $119,918,200 | 763 |
| Average total loans | $524,267,800 | 1,029 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 4,095 |
| Cost of funding earning assets | 0.6778% | 3,324 |
| Net interest margin | 3.4494% | 3,734 |
| Noninterest income to average assets | 1.5305% | 391 |
| Noninterest expense to average assets | 3.2143% | 1,440 |
| Loan and lease loss provision to assets | 0.1345% | 1,428 |
| Net operating income to assets | 1.0676% | 2,705 |
| Return on assets (ROA) | 1.0513% | 2,871 |
| Pretax return on assets | 1.2699% | 2,752 |
| Return on Equity (ROE) | 8.8237% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.9853% | 2,895 |
| Net charge-offs to loans | 0.1250% | 1,263 |
| Credit loss provision to net charge-offs | 205.7613% | 1,280 |
| Earnings coverage of net charge-offs (x) | 21.7841% | 1,896 |
| Efficiency ratio | 66.7256% | 2,629 |
| Assets per employee ($millions) | 3.5533% | 4,447 |
| Cash dividends to net income (ytd only)* | 43.5005% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,719 |
| Loan loss allowance to noncurrent loans | 105.7427% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 2,092 |
| Noncurrent loans to loans | 1.0967% | 1,449 |
| Net loans and leases to total assets | 53.2210% | 4,236 |
| Net loans and leases to deposits | 63.7993% | 4,183 |
| Net loans and leases to core deposits | 74.5951% | 3,796 |
| Total domestic deposits to total assets | 83.4195% | 3,017 |
| Equity capital to assets | 12.3953% | 1,984 |
| Core capital (leverage) ratio | 10.4202% | 3,172 |
| Tier 1 risk-based capital ratio | 15.8298% | 2,504 |
| Total risk-based capital ratio | 16.8264% | 2,553 |
| Memoranda: | ||
| Average total assets | $991,217,250 | 787 |
| Average earning assets | $893,070,500 | 805 |
| Average equity | $118,103,250 | 768 |
| Average total loans | $518,548,750 | 1,043 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 4,191 |
| Cost of funding earning assets | 0.6731% | 3,310 |
| Net interest margin | 3.4155% | 3,845 |
| Noninterest income to average assets | 1.4223% | 433 |
| Noninterest expense to average assets | 3.1518% | 1,610 |
| Loan and lease loss provision to assets | 0.1217% | 1,541 |
| Net operating income to assets | 1.0247% | 2,827 |
| Return on assets (ROA) | 1.0002% | 2,989 |
| Pretax return on assets | 1.1995% | 2,903 |
| Return on Equity (ROE) | 8.5108% | 3,058 |
| Retained earnings to average equity (ytd only) | 4.3874% | 3,071 |
| Net charge-offs to loans | 0.0388% | 2,110 |
| Credit loss provision to net charge-offs | 606.0606% | 520 |
| Earnings coverage of net charge-offs (x) | 67.2929% | 925 |
| Efficiency ratio | 67.5012% | 2,613 |
| Assets per employee ($millions) | 3.4558% | 4,548 |
| Cash dividends to net income (ytd only)* | 48.4492% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,614 |
| Loan loss allowance to noncurrent loans | 78.1784% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 1,734 |
| Noncurrent loans to loans | 1.5133% | 1,018 |
| Net loans and leases to total assets | 52.4037% | 4,330 |
| Net loans and leases to deposits | 62.8357% | 4,291 |
| Net loans and leases to core deposits | 70.9520% | 4,066 |
| Total domestic deposits to total assets | 83.3979% | 3,072 |
| Equity capital to assets | 12.1505% | 2,077 |
| Core capital (leverage) ratio | 10.2652% | 3,316 |
| Tier 1 risk-based capital ratio | 15.9767% | 2,424 |
| Total risk-based capital ratio | 17.0007% | 2,460 |
| Memoranda: | ||
| Average total assets | $986,428,330 | 788 |
| Average earning assets | $889,580,330 | 805 |
| Average equity | $115,922,670 | 775 |
| Average total loans | $510,911,330 | 1,057 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 4,312 |
| Cost of funding earning assets | 0.6498% | 3,326 |
| Net interest margin | 3.3766% | 3,954 |
| Noninterest income to average assets | 1.2560% | 527 |
| Noninterest expense to average assets | 3.1358% | 1,639 |
| Loan and lease loss provision to assets | 0.0816% | 2,068 |
| Net operating income to assets | 0.9087% | 3,203 |
| Return on assets (ROA) | 0.9087% | 3,249 |
| Pretax return on assets | 1.0772% | 3,214 |
| Return on Equity (ROE) | 7.8686% | 3,320 |
| Retained earnings to average equity (ytd only) | 3.7347% | 3,431 |
| Net charge-offs to loans | 0.0215% | 2,021 |
| Credit loss provision to net charge-offs | 740.7407% | 473 |
| Earnings coverage of net charge-offs (x) | 105.1852% | 646 |
| Efficiency ratio | 70.5083% | 2,262 |
| Assets per employee ($millions) | 3.4191% | 4,640 |
| Cash dividends to net income (ytd only)* | 52.5370% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,688 |
| Loan loss allowance to noncurrent loans | 88.7859% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6895% | 2,032 |
| Noncurrent loans to loans | 1.3290% | 1,230 |
| Net loans and leases to total assets | 50.8541% | 4,417 |
| Net loans and leases to deposits | 60.1788% | 4,396 |
| Net loans and leases to core deposits | 65.9524% | 4,283 |
| Total domestic deposits to total assets | 84.5050% | 2,848 |
| Equity capital to assets | 11.8173% | 2,142 |
| Core capital (leverage) ratio | 10.2565% | 3,324 |
| Tier 1 risk-based capital ratio | 16.3102% | 2,332 |
| Total risk-based capital ratio | 17.3185% | 2,357 |
| Memoranda: | ||
| Average total assets | $980,279,500 | 801 |
| Average earning assets | $882,179,500 | 817 |
| Average equity | $113,209,000 | 789 |
| Average total loans | $501,549,500 | 1,078 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 4,306 |
| Cost of funding earning assets | 0.5011% | 3,348 |
| Net interest margin | 3.3835% | 4,041 |
| Noninterest income to average assets | 1.5624% | 385 |
| Noninterest expense to average assets | 3.1682% | 1,633 |
| Loan and lease loss provision to assets | 0.1464% | 1,454 |
| Net operating income to assets | 1.1243% | 2,499 |
| Return on assets (ROA) | 1.1262% | 2,492 |
| Pretax return on assets | 1.2778% | 2,588 |
| Return on Equity (ROE) | 10.1063% | 2,476 |
| Retained earnings to average equity (ytd only) | 7.1027% | 1,625 |
| Net charge-offs to loans | 0.2316% | 843 |
| Credit loss provision to net charge-offs | 127.9707% | 2,060 |
| Earnings coverage of net charge-offs (x) | 12.4287% | 2,530 |
| Efficiency ratio | 66.4867% | 2,789 |
| Assets per employee ($millions) | 3.5605% | 4,487 |
| Cash dividends to net income (ytd only)* | 29.7204% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 2,812 |
| Loan loss allowance to noncurrent loans | 110.1031% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 2,449 |
| Noncurrent loans to loans | 1.0474% | 1,562 |
| Net loans and leases to total assets | 50.2813% | 4,500 |
| Net loans and leases to deposits | 59.5467% | 4,504 |
| Net loans and leases to core deposits | 65.5635% | 4,382 |
| Total domestic deposits to total assets | 84.4402% | 2,855 |
| Equity capital to assets | 11.2813% | 2,432 |
| Core capital (leverage) ratio | 10.1544% | 3,403 |
| Tier 1 risk-based capital ratio | 16.3255% | 2,295 |
| Total risk-based capital ratio | 17.3181% | 2,324 |
| Memoranda: | ||
| Average total assets | $956,067,800 | 798 |
| Average earning assets | $855,601,800 | 823 |
| Average equity | $106,537,400 | 802 |
| Average total loans | $472,367,400 | 1,108 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 4,369 |
| Cost of funding earning assets | 0.4558% | 3,489 |
| Net interest margin | 3.3752% | 4,082 |
| Noninterest income to average assets | 1.6545% | 362 |
| Noninterest expense to average assets | 3.1801% | 1,571 |
| Loan and lease loss provision to assets | 0.1264% | 1,591 |
| Net operating income to assets | 1.1615% | 2,403 |
| Return on assets (ROA) | 1.1639% | 2,401 |
| Pretax return on assets | 1.3698% | 2,344 |
| Return on Equity (ROE) | 10.4786% | 2,396 |
| Retained earnings to average equity (ytd only) | 7.5960% | 1,852 |
| Net charge-offs to loans | 0.1346% | 1,200 |
| Credit loss provision to net charge-offs | 191.4894% | 1,433 |
| Earnings coverage of net charge-offs (x) | 22.6256% | 1,866 |
| Efficiency ratio | 65.5278% | 2,956 |
| Assets per employee ($millions) | 3.3652% | 4,713 |
| Cash dividends to net income (ytd only)* | 27.5096% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 2,597 |
| Loan loss allowance to noncurrent loans | 105.9744% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 2,400 |
| Noncurrent loans to loans | 1.1361% | 1,495 |
| Net loans and leases to total assets | 50.3838% | 4,565 |
| Net loans and leases to deposits | 62.6253% | 4,416 |
| Net loans and leases to core deposits | 67.1583% | 4,342 |
| Total domestic deposits to total assets | 80.4528% | 4,007 |
| Equity capital to assets | 11.0346% | 2,630 |
| Core capital (leverage) ratio | 10.0471% | 3,581 |
| Tier 1 risk-based capital ratio | 16.2400% | 2,359 |
| Total risk-based capital ratio | 17.2678% | 2,381 |
| Memoranda: | ||
| Average total assets | $949,409,000 | 804 |
| Average earning assets | $849,223,250 | 828 |
| Average equity | $105,456,250 | 811 |
| Average total loans | $465,489,000 | 1,116 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7208% | 4,536 |
| Cost of funding earning assets | 0.4080% | 3,665 |
| Net interest margin | 3.3128% | 4,212 |
| Noninterest income to average assets | 1.5280% | 415 |
| Noninterest expense to average assets | 3.1277% | 1,721 |
| Loan and lease loss provision to assets | 0.0951% | 2,028 |
| Net operating income to assets | 1.0930% | 2,610 |
| Return on assets (ROA) | 1.0994% | 2,593 |
| Pretax return on assets | 1.2748% | 2,614 |
| Return on Equity (ROE) | 9.8755% | 2,621 |
| Retained earnings to average equity (ytd only) | 7.3407% | 1,904 |
| Net charge-offs to loans | 0.0323% | 2,203 |
| Credit loss provision to net charge-offs | 608.1081% | 611 |
| Earnings coverage of net charge-offs (x) | 87.1081% | 770 |
| Efficiency ratio | 67.0197% | 2,818 |
| Assets per employee ($millions) | 3.4948% | 4,604 |
| Cash dividends to net income (ytd only)* | 25.6681% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,611 |
| Loan loss allowance to noncurrent loans | 110.4277% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 2,465 |
| Noncurrent loans to loans | 1.1031% | 1,598 |
| Net loans and leases to total assets | 48.5273% | 4,690 |
| Net loans and leases to deposits | 61.5248% | 4,451 |
| Net loans and leases to core deposits | 63.8192% | 4,500 |
| Total domestic deposits to total assets | 78.8744% | 4,446 |
| Equity capital to assets | 10.8235% | 2,815 |
| Core capital (leverage) ratio | 9.9305% | 3,659 |
| Tier 1 risk-based capital ratio | 16.3041% | 2,332 |
| Total risk-based capital ratio | 17.3519% | 2,339 |
| Memoranda: | ||
| Average total assets | $946,182,670 | 805 |
| Average earning assets | $846,049,670 | 832 |
| Average equity | $105,331,000 | 806 |
| Average total loans | $457,614,000 | 1,131 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6635% | 4,563 |
| Cost of funding earning assets | 0.3638% | 3,883 |
| Net interest margin | 3.2997% | 4,190 |
| Noninterest income to average assets | 1.3613% | 507 |
| Noninterest expense to average assets | 3.1098% | 1,797 |
| Loan and lease loss provision to assets | 0.0859% | 2,081 |
| Net operating income to assets | 0.9780% | 2,947 |
| Return on assets (ROA) | 0.9912% | 2,911 |
| Pretax return on assets | 1.1321% | 3,043 |
| Return on Equity (ROE) | 8.7770% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.3895% | 2,111 |
| Net charge-offs to loans | 0.0134% | 2,280 |
| Credit loss provision to net charge-offs | 1,333.3333% | 271 |
| Earnings coverage of net charge-offs (x) | 186.8000% | 353 |
| Efficiency ratio | 69.3510% | 2,608 |
| Assets per employee ($millions) | 3.4309% | 4,754 |
| Cash dividends to net income (ytd only)* | 15.8077% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,461 |
| Loan loss allowance to noncurrent loans | 97.9181% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 2,346 |
| Noncurrent loans to loans | 1.2863% | 1,398 |
| Net loans and leases to total assets | 47.2401% | 4,735 |
| Net loans and leases to deposits | 57.2238% | 4,630 |
| Net loans and leases to core deposits | 60.1733% | 4,646 |
| Total domestic deposits to total assets | 82.5531% | 3,799 |
| Equity capital to assets | 11.0832% | 2,501 |
| Core capital (leverage) ratio | 10.0089% | 3,528 |
| Tier 1 risk-based capital ratio | 16.7072% | 2,211 |
| Total risk-based capital ratio | 17.7681% | 2,222 |
| Memoranda: | ||
| Average total assets | $931,754,500 | 820 |
| Average earning assets | $833,414,000 | 854 |
| Average equity | $105,230,000 | 807 |
| Average total loans | $446,923,500 | 1,158 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 4,489 |
| Cost of funding earning assets | 0.3271% | 3,901 |
| Net interest margin | 3.3084% | 4,135 |
| Noninterest income to average assets | 1.5193% | 460 |
| Noninterest expense to average assets | 4.0208% | 520 |
| Loan and lease loss provision to assets | 0.0490% | 3,245 |
| Net operating income to assets | 0.4712% | 4,454 |
| Return on assets (ROA) | 0.4717% | 4,486 |
| Pretax return on assets | 0.4079% | 5,081 |
| Return on Equity (ROE) | 4.0547% | 4,485 |
| Retained earnings to average equity (ytd only) | 0.5923% | 4,804 |
| Net charge-offs to loans | 0.0765% | 2,358 |
| Credit loss provision to net charge-offs | 134.3284% | 1,972 |
| Earnings coverage of net charge-offs (x) | 12.5164% | 2,466 |
| Efficiency ratio | 86.7472% | 596 |
| Assets per employee ($millions) | 3.3952% | 4,828 |
| Cash dividends to net income (ytd only)* | 85.3912% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,637 |
| Loan loss allowance to noncurrent loans | 90.3658% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 2,222 |
| Noncurrent loans to loans | 1.3553% | 1,288 |
| Net loans and leases to total assets | 47.5013% | 4,803 |
| Net loans and leases to deposits | 57.2319% | 4,736 |
| Net loans and leases to core deposits | 59.3308% | 4,787 |
| Total domestic deposits to total assets | 82.9979% | 3,565 |
| Equity capital to assets | 11.5065% | 2,197 |
| Core capital (leverage) ratio | 9.6194% | 3,899 |
| Tier 1 risk-based capital ratio | 16.3499% | 2,317 |
| Total risk-based capital ratio | 17.4044% | 2,319 |
| Memoranda: | ||
| Average total assets | $918,662,600 | 808 |
| Average earning assets | $821,357,600 | 837 |
| Average equity | $106,862,600 | 765 |
| Average total loans | $437,830,600 | 1,150 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 4,497 |
| Cost of funding earning assets | 0.3183% | 3,949 |
| Net interest margin | 3.3099% | 4,135 |
| Noninterest income to average assets | 1.5692% | 441 |
| Noninterest expense to average assets | 4.3218% | 364 |
| Loan and lease loss provision to assets | 0.0364% | 3,383 |
| Net operating income to assets | 0.2969% | 5,221 |
| Return on assets (ROA) | 0.2975% | 5,241 |
| Pretax return on assets | 0.1722% | 5,405 |
| Return on Equity (ROE) | 2.5502% | 5,208 |
| Retained earnings to average equity (ytd only) | -0.8854% | 5,335 |
| Net charge-offs to loans | 0.0658% | 2,180 |
| Credit loss provision to net charge-offs | 116.2791% | 2,056 |
| Earnings coverage of net charge-offs (x) | 6.6512% | 2,962 |
| Efficiency ratio | 92.3702% | 334 |
| Assets per employee ($millions) | 3.3983% | 4,863 |
| Cash dividends to net income (ytd only)* | 134.7187% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,830 |
| Loan loss allowance to noncurrent loans | 97.9781% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 2,506 |
| Noncurrent loans to loans | 1.2410% | 1,536 |
| Net loans and leases to total assets | 47.1059% | 4,877 |
| Net loans and leases to deposits | 59.2891% | 4,672 |
| Net loans and leases to core deposits | 61.6989% | 4,732 |
| Total domestic deposits to total assets | 79.4511% | 4,446 |
| Equity capital to assets | 11.4741% | 2,405 |
| Core capital (leverage) ratio | 9.5808% | 4,051 |
| Tier 1 risk-based capital ratio | 16.2685% | 2,392 |
| Total risk-based capital ratio | 17.3149% | 2,415 |
| Memoranda: | ||
| Average total assets | $916,609,250 | 814 |
| Average earning assets | $819,855,500 | 846 |
| Average equity | $106,915,500 | 769 |
| Average total loans | $435,854,000 | 1,163 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 4,487 |
| Cost of funding earning assets | 0.3097% | 3,979 |
| Net interest margin | 3.3011% | 4,103 |
| Noninterest income to average assets | 1.5469% | 454 |
| Noninterest expense to average assets | 3.0878% | 1,867 |
| Loan and lease loss provision to assets | 0.0329% | 3,336 |
| Net operating income to assets | 1.0420% | 2,242 |
| Return on assets (ROA) | 1.0426% | 2,279 |
| Pretax return on assets | 1.3857% | 2,073 |
| Return on Equity (ROE) | 8.8895% | 2,562 |
| Retained earnings to average equity (ytd only) | 5.5272% | 2,394 |
| Net charge-offs to loans | 0.0775% | 1,846 |
| Credit loss provision to net charge-offs | 89.2857% | 2,152 |
| Earnings coverage of net charge-offs (x) | 38.5179% | 1,282 |
| Efficiency ratio | 65.4899% | 3,437 |
| Assets per employee ($millions) | 3.2672% | 5,013 |
| Cash dividends to net income (ytd only)* | 37.8231% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,920 |
| Loan loss allowance to noncurrent loans | 209.2731% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 3,551 |
| Noncurrent loans to loans | 0.5813% | 2,988 |
| Net loans and leases to total assets | 47.6173% | 4,845 |
| Net loans and leases to deposits | 57.7824% | 4,762 |
| Net loans and leases to core deposits | 60.0978% | 4,818 |
| Total domestic deposits to total assets | 82.4080% | 3,770 |
| Equity capital to assets | 12.1881% | 1,795 |
| Core capital (leverage) ratio | 10.0793% | 3,430 |
| Tier 1 risk-based capital ratio | 17.7315% | 1,942 |
| Total risk-based capital ratio | 18.7965% | 1,944 |
| Memoranda: | ||
| Average total assets | $912,897,670 | 825 |
| Average earning assets | $818,163,670 | 855 |
| Average equity | $107,070,670 | 768 |
| Average total loans | $433,671,670 | 1,171 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5315% | 4,602 |
| Cost of funding earning assets | 0.2982% | 4,062 |
| Net interest margin | 3.2332% | 4,232 |
| Noninterest income to average assets | 1.4445% | 517 |
| Noninterest expense to average assets | 2.9847% | 2,202 |
| Loan and lease loss provision to assets | 0.0219% | 3,295 |
| Net operating income to assets | 1.0008% | 2,297 |
| Return on assets (ROA) | 0.9978% | 2,364 |
| Pretax return on assets | 1.3195% | 2,169 |
| Return on Equity (ROE) | 8.6761% | 2,574 |
| Retained earnings to average equity (ytd only) | 4.7428% | 3,044 |
| Net charge-offs to loans | 0.0621% | 1,710 |
| Credit loss provision to net charge-offs | 74.6269% | 1,793 |
| Earnings coverage of net charge-offs (x) | 45.9403% | 943 |
| Efficiency ratio | 65.9231% | 3,512 |
| Assets per employee ($millions) | 3.3130% | 5,031 |
| Cash dividends to net income (ytd only)* | 45.3351% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,918 |
| Loan loss allowance to noncurrent loans | 200.2632% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,607 |
| Noncurrent loans to loans | 0.6159% | 2,976 |
| Net loans and leases to total assets | 46.3118% | 4,926 |
| Net loans and leases to deposits | 56.3270% | 4,797 |
| Net loans and leases to core deposits | 58.7776% | 4,839 |
| Total domestic deposits to total assets | 82.2196% | 4,101 |
| Equity capital to assets | 11.5196% | 2,169 |
| Core capital (leverage) ratio | 9.9699% | 3,538 |
| Tier 1 risk-based capital ratio | 17.3494% | 2,083 |
| Total risk-based capital ratio | 18.4120% | 2,081 |
| Memoranda: | ||
| Average total assets | $915,208,000 | 824 |
| Average earning assets | $816,769,000 | 854 |
| Average equity | $105,255,000 | 780 |
| Average total loans | $431,596,000 | 1,180 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,377 |
| Cost of funding earning assets | 0.2990% | 4,077 |
| Net interest margin | 3.3482% | 4,001 |
| Noninterest income to average assets | 1.5092% | 521 |
| Noninterest expense to average assets | 3.1482% | 1,904 |
| Loan and lease loss provision to assets | 0.0559% | 3,264 |
| Net operating income to assets | 1.0321% | 2,220 |
| Return on assets (ROA) | 1.0527% | 2,227 |
| Pretax return on assets | 1.3393% | 2,148 |
| Return on Equity (ROE) | 8.9921% | 2,423 |
| Retained earnings to average equity (ytd only) | 7.7990% | 922 |
| Net charge-offs to loans | 0.2449% | 1,132 |
| Credit loss provision to net charge-offs | 46.3822% | 3,422 |
| Earnings coverage of net charge-offs (x) | 11.3664% | 2,543 |
| Efficiency ratio | 66.2363% | 3,558 |
| Assets per employee ($millions) | 3.3069% | 5,033 |
| Cash dividends to net income (ytd only)* | 13.2682% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,883 |
| Loan loss allowance to noncurrent loans | 194.6103% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 3,496 |
| Noncurrent loans to loans | 0.6366% | 2,945 |
| Net loans and leases to total assets | 46.8421% | 4,964 |
| Net loans and leases to deposits | 57.1724% | 4,851 |
| Net loans and leases to core deposits | 59.5580% | 4,881 |
| Total domestic deposits to total assets | 81.9312% | 4,095 |
| Equity capital to assets | 11.4815% | 2,191 |
| Core capital (leverage) ratio | 9.9848% | 3,498 |
| Tier 1 risk-based capital ratio | 17.2325% | 2,079 |
| Total risk-based capital ratio | 18.3055% | 2,089 |
| Memoranda: | ||
| Average total assets | $894,952,400 | 809 |
| Average earning assets | $804,034,400 | 834 |
| Average equity | $104,769,200 | 757 |
| Average total loans | $440,247,000 | 1,109 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,404 |
| Cost of funding earning assets | 0.2989% | 4,110 |
| Net interest margin | 3.3512% | 4,024 |
| Noninterest income to average assets | 1.5622% | 507 |
| Noninterest expense to average assets | 3.1505% | 1,897 |
| Loan and lease loss provision to assets | 0.0748% | 2,722 |
| Net operating income to assets | 1.0071% | 2,402 |
| Return on assets (ROA) | 1.0329% | 2,401 |
| Pretax return on assets | 1.3887% | 2,074 |
| Return on Equity (ROE) | 8.7799% | 2,617 |
| Retained earnings to average equity (ytd only) | 7.2413% | 1,506 |
| Net charge-offs to loans | 0.2757% | 838 |
| Credit loss provision to net charge-offs | 54.6448% | 2,974 |
| Earnings coverage of net charge-offs (x) | 10.4382% | 2,576 |
| Efficiency ratio | 65.4003% | 3,688 |
| Assets per employee ($millions) | 3.3155% | 5,027 |
| Cash dividends to net income (ytd only)* | 17.5235% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 3,022 |
| Loan loss allowance to noncurrent loans | 307.3103% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 4,089 |
| Noncurrent loans to loans | 0.4030% | 3,832 |
| Net loans and leases to total assets | 48.5176% | 4,921 |
| Net loans and leases to deposits | 60.9266% | 4,691 |
| Net loans and leases to core deposits | 63.7104% | 4,740 |
| Total domestic deposits to total assets | 79.6329% | 4,586 |
| Equity capital to assets | 11.9975% | 2,119 |
| Core capital (leverage) ratio | 9.8143% | 3,795 |
| Tier 1 risk-based capital ratio | 16.0106% | 2,624 |
| Total risk-based capital ratio | 17.0658% | 2,637 |
| Memoranda: | ||
| Average total assets | $891,342,500 | 811 |
| Average earning assets | $802,427,250 | 831 |
| Average equity | $104,858,500 | 761 |
| Average total loans | $442,478,250 | 1,107 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 4,448 |
| Cost of funding earning assets | 0.3001% | 4,127 |
| Net interest margin | 3.3499% | 4,056 |
| Noninterest income to average assets | 1.6174% | 472 |
| Noninterest expense to average assets | 3.1315% | 1,973 |
| Loan and lease loss provision to assets | 0.0789% | 2,568 |
| Net operating income to assets | 1.0496% | 2,177 |
| Return on assets (ROA) | 1.0873% | 2,132 |
| Pretax return on assets | 1.4764% | 1,750 |
| Return on Equity (ROE) | 9.3058% | 2,361 |
| Retained earnings to average equity (ytd only) | 7.4334% | 1,417 |
| Net charge-offs to loans | 0.2807% | 851 |
| Credit loss provision to net charge-offs | 56.4516% | 2,613 |
| Earnings coverage of net charge-offs (x) | 10.7581% | 2,306 |
| Efficiency ratio | 64.2989% | 3,964 |
| Assets per employee ($millions) | 3.3351% | 5,012 |
| Cash dividends to net income (ytd only)* | 20.1203% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,970 |
| Loan loss allowance to noncurrent loans | 200.9957% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 3,913 |
| Noncurrent loans to loans | 0.6308% | 3,192 |
| Net loans and leases to total assets | 49.2409% | 4,892 |
| Net loans and leases to deposits | 61.1943% | 4,718 |
| Net loans and leases to core deposits | 63.3898% | 4,788 |
| Total domestic deposits to total assets | 80.4666% | 4,423 |
| Equity capital to assets | 12.0828% | 2,070 |
| Core capital (leverage) ratio | 9.5266% | 4,170 |
| Tier 1 risk-based capital ratio | 15.5009% | 2,862 |
| Total risk-based capital ratio | 16.5737% | 2,866 |
| Memoranda: | ||
| Average total assets | $886,743,330 | 815 |
| Average earning assets | $798,997,670 | 832 |
| Average equity | $103,613,330 | 768 |
| Average total loans | $441,751,330 | 1,105 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6116% | 4,589 |
| Cost of funding earning assets | 0.2925% | 4,254 |
| Net interest margin | 3.3191% | 4,148 |
| Noninterest income to average assets | 1.6766% | 431 |
| Noninterest expense to average assets | 3.1399% | 1,988 |
| Loan and lease loss provision to assets | 0.0226% | 3,385 |
| Net operating income to assets | 1.1006% | 1,898 |
| Return on assets (ROA) | 1.1046% | 1,988 |
| Pretax return on assets | 1.5104% | 1,549 |
| Return on Equity (ROE) | 9.6193% | 2,148 |
| Retained earnings to average equity (ytd only) | 5.7936% | 2,473 |
| Net charge-offs to loans | 0.0937% | 1,577 |
| Credit loss provision to net charge-offs | 48.5437% | 2,063 |
| Earnings coverage of net charge-offs (x) | 32.7476% | 1,135 |
| Efficiency ratio | 64.0016% | 4,124 |
| Assets per employee ($millions) | 3.2730% | 5,169 |
| Cash dividends to net income (ytd only)* | 39.7704% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,727 |
| Loan loss allowance to noncurrent loans | 215.2182% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 4,194 |
| Noncurrent loans to loans | 0.6209% | 3,311 |
| Net loans and leases to total assets | 48.6715% | 4,913 |
| Net loans and leases to deposits | 60.7344% | 4,660 |
| Net loans and leases to core deposits | 62.3010% | 4,800 |
| Total domestic deposits to total assets | 80.1381% | 4,719 |
| Equity capital to assets | 11.6049% | 2,344 |
| Core capital (leverage) ratio | 9.4886% | 4,213 |
| Tier 1 risk-based capital ratio | 15.3102% | 3,011 |
| Total risk-based capital ratio | 16.4437% | 3,001 |
| Memoranda: | ||
| Average total assets | $883,209,500 | 824 |
| Average earning assets | $795,870,000 | 838 |
| Average equity | $101,421,500 | 786 |
| Average total loans | $439,740,500 | 1,103 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 4,321 |
| Cost of funding earning assets | 0.2950% | 4,308 |
| Net interest margin | 3.4220% | 3,831 |
| Noninterest income to average assets | 1.8572% | 398 |
| Noninterest expense to average assets | 3.2285% | 1,892 |
| Loan and lease loss provision to assets | -0.0803% | 5,814 |
| Net operating income to assets | 1.2902% | 1,294 |
| Return on assets (ROA) | 1.2804% | 1,360 |
| Pretax return on assets | 1.7695% | 853 |
| Return on Equity (ROE) | 11.5305% | 1,430 |
| Retained earnings to average equity (ytd only) | 7.6856% | 1,025 |
| Net charge-offs to loans | -0.2974% | 6,015 |
| Credit loss provision to net charge-offs | 53.7634% | 3,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3172% | 4,555 |
| Assets per employee ($millions) | 3.1977% | 5,297 |
| Cash dividends to net income (ytd only)* | 33.3453% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 2,685 |
| Loan loss allowance to noncurrent loans | 273.1550% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 4,141 |
| Noncurrent loans to loans | 0.4924% | 3,723 |
| Net loans and leases to total assets | 49.5786% | 4,908 |
| Net loans and leases to deposits | 60.4874% | 4,736 |
| Net loans and leases to core deposits | 61.5098% | 4,898 |
| Total domestic deposits to total assets | 81.9652% | 4,176 |
| Equity capital to assets | 11.3597% | 2,486 |
| Core capital (leverage) ratio | 9.3969% | 4,327 |
| Tier 1 risk-based capital ratio | 14.6564% | 3,347 |
| Total risk-based capital ratio | 15.7708% | 3,342 |
| Memoranda: | ||
| Average total assets | $871,997,000 | 787 |
| Average earning assets | $783,352,200 | 807 |
| Average equity | $96,830,400 | 791 |
| Average total loans | $437,779,000 | 1,048 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,416 |
| Cost of funding earning assets | 0.2968% | 4,375 |
| Net interest margin | 3.4053% | 3,929 |
| Noninterest income to average assets | 1.8854% | 393 |
| Noninterest expense to average assets | 3.2172% | 1,924 |
| Loan and lease loss provision to assets | -0.1072% | 6,007 |
| Net operating income to assets | 1.3022% | 1,340 |
| Return on assets (ROA) | 1.2893% | 1,421 |
| Pretax return on assets | 1.8171% | 867 |
| Return on Equity (ROE) | 11.6780% | 1,471 |
| Retained earnings to average equity (ytd only) | 10.6880% | 523 |
| Net charge-offs to loans | -0.4017% | 6,125 |
| Credit loss provision to net charge-offs | 53.1511% | 3,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8944% | 4,588 |
| Assets per employee ($millions) | 3.1911% | 5,304 |
| Cash dividends to net income (ytd only)* | 8.4778% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,721 |
| Loan loss allowance to noncurrent loans | 149.9369% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 3,920 |
| Noncurrent loans to loans | 0.9169% | 2,687 |
| Net loans and leases to total assets | 49.2404% | 4,993 |
| Net loans and leases to deposits | 61.5614% | 4,751 |
| Net loans and leases to core deposits | 63.2469% | 4,855 |
| Total domestic deposits to total assets | 79.9858% | 4,758 |
| Equity capital to assets | 11.6437% | 2,384 |
| Core capital (leverage) ratio | 9.4064% | 4,431 |
| Tier 1 risk-based capital ratio | 14.9743% | 3,306 |
| Total risk-based capital ratio | 16.1154% | 3,307 |
| Memoranda: | ||
| Average total assets | $870,956,250 | 797 |
| Average earning assets | $782,632,000 | 815 |
| Average equity | $96,155,750 | 799 |
| Average total loans | $437,146,250 | 1,052 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 4,420 |
| Cost of funding earning assets | 0.2972% | 4,426 |
| Net interest margin | 3.3999% | 3,910 |
| Noninterest income to average assets | 1.8701% | 407 |
| Noninterest expense to average assets | 3.1873% | 2,016 |
| Loan and lease loss provision to assets | -0.1833% | 6,168 |
| Net operating income to assets | 1.3554% | 1,181 |
| Return on assets (ROA) | 1.3141% | 1,330 |
| Pretax return on assets | 1.8634% | 800 |
| Return on Equity (ROE) | 12.1213% | 1,335 |
| Retained earnings to average equity (ytd only) | 11.1070% | 493 |
| Net charge-offs to loans | -0.6825% | 6,230 |
| Credit loss provision to net charge-offs | 53.4045% | 2,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5413% | 4,748 |
| Assets per employee ($millions) | 3.3620% | 5,056 |
| Cash dividends to net income (ytd only)* | 8.3682% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 2,976 |
| Loan loss allowance to noncurrent loans | 94.0606% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7260% | 3,205 |
| Noncurrent loans to loans | 1.4371% | 1,857 |
| Net loans and leases to total assets | 49.4809% | 4,978 |
| Net loans and leases to deposits | 62.4910% | 4,663 |
| Net loans and leases to core deposits | 64.3703% | 4,786 |
| Total domestic deposits to total assets | 79.1808% | 5,057 |
| Equity capital to assets | 10.8506% | 3,053 |
| Core capital (leverage) ratio | 8.9987% | 4,970 |
| Tier 1 risk-based capital ratio | 13.9707% | 3,950 |
| Total risk-based capital ratio | 15.1652% | 3,910 |
| Memoranda: | ||
| Average total assets | $873,014,330 | 800 |
| Average earning assets | $784,611,330 | 817 |
| Average equity | $94,643,330 | 818 |
| Average total loans | $438,942,330 | 1,051 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 4,585 |
| Cost of funding earning assets | 0.3009% | 4,431 |
| Net interest margin | 3.3320% | 4,086 |
| Noninterest income to average assets | 1.7765% | 423 |
| Noninterest expense to average assets | 3.1806% | 2,029 |
| Loan and lease loss provision to assets | -0.4620% | 6,346 |
| Net operating income to assets | 1.4401% | 960 |
| Return on assets (ROA) | 1.3579% | 1,184 |
| Pretax return on assets | 1.9382% | 665 |
| Return on Equity (ROE) | 12.5315% | 1,208 |
| Retained earnings to average equity (ytd only) | 11.4570% | 651 |
| Net charge-offs to loans | -1.4547% | 6,342 |
| Credit loss provision to net charge-offs | 63.0915% | 1,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3795% | 4,576 |
| Assets per employee ($millions) | 3.2832% | 5,268 |
| Cash dividends to net income (ytd only)* | 8.5743% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 3,173 |
| Loan loss allowance to noncurrent loans | 99.5784% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 3,375 |
| Noncurrent loans to loans | 1.3494% | 2,130 |
| Net loans and leases to total assets | 49.8304% | 4,871 |
| Net loans and leases to deposits | 60.4530% | 4,707 |
| Net loans and leases to core deposits | 62.2793% | 4,823 |
| Total domestic deposits to total assets | 82.4282% | 4,375 |
| Equity capital to assets | 11.0171% | 2,949 |
| Core capital (leverage) ratio | 8.8016% | 5,199 |
| Tier 1 risk-based capital ratio | 13.8803% | 4,098 |
| Total risk-based capital ratio | 15.0924% | 4,044 |
| Memoranda: | ||
| Average total assets | $865,737,000 | 811 |
| Average earning assets | $778,878,000 | 824 |
| Average equity | $93,811,500 | 824 |
| Average total loans | $435,816,000 | 1,056 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 4,684 |
| Cost of funding earning assets | 0.3324% | 4,466 |
| Net interest margin | 3.4066% | 4,171 |
| Noninterest income to average assets | 1.6944% | 446 |
| Noninterest expense to average assets | 3.2379% | 2,105 |
| Loan and lease loss provision to assets | 0.0715% | 3,053 |
| Net operating income to assets | 1.0262% | 2,278 |
| Return on assets (ROA) | 1.0347% | 2,317 |
| Pretax return on assets | 1.4349% | 1,767 |
| Return on Equity (ROE) | 9.9980% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.3210% | 639 |
| Net charge-offs to loans | 0.1910% | 2,135 |
| Credit loss provision to net charge-offs | 73.1707% | 2,998 |
| Earnings coverage of net charge-offs (x) | 15.2963% | 2,093 |
| Efficiency ratio | 65.1560% | 4,386 |
| Assets per employee ($millions) | 3.2507% | 5,348 |
| Cash dividends to net income (ytd only)* | 6.7711% | 4,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 3,819 |
| Loan loss allowance to noncurrent loans | 87.9921% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 3,382 |
| Noncurrent loans to loans | 1.3990% | 2,094 |
| Net loans and leases to total assets | 49.5526% | 5,012 |
| Net loans and leases to deposits | 60.3456% | 4,876 |
| Net loans and leases to core deposits | 62.3051% | 4,980 |
| Total domestic deposits to total assets | 82.1147% | 4,377 |
| Equity capital to assets | 10.6531% | 3,295 |
| Core capital (leverage) ratio | 8.5296% | 5,526 |
| Tier 1 risk-based capital ratio | 14.0437% | 4,058 |
| Total risk-based capital ratio | 15.2100% | 4,049 |
| Memoranda: | ||
| Average total assets | $839,244,400 | 801 |
| Average earning assets | $748,464,600 | 822 |
| Average equity | $86,857,200 | 852 |
| Average total loans | $429,238,200 | 1,025 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 4,729 |
| Cost of funding earning assets | 0.3382% | 4,485 |
| Net interest margin | 3.4051% | 4,221 |
| Noninterest income to average assets | 1.7088% | 452 |
| Noninterest expense to average assets | 3.2331% | 2,079 |
| Loan and lease loss provision to assets | 0.0960% | 2,444 |
| Net operating income to assets | 1.0247% | 2,348 |
| Return on assets (ROA) | 1.0293% | 2,384 |
| Pretax return on assets | 1.4166% | 1,939 |
| Return on Equity (ROE) | 10.0212% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.4109% | 867 |
| Net charge-offs to loans | 0.2856% | 1,376 |
| Credit loss provision to net charge-offs | 65.3595% | 2,845 |
| Earnings coverage of net charge-offs (x) | 10.2603% | 2,565 |
| Efficiency ratio | 64.9300% | 4,385 |
| Assets per employee ($millions) | 3.1713% | 5,487 |
| Cash dividends to net income (ytd only)* | 6.0907% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 4,167 |
| Loan loss allowance to noncurrent loans | 85.6066% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 3,602 |
| Noncurrent loans to loans | 1.4143% | 2,300 |
| Net loans and leases to total assets | 50.1341% | 4,992 |
| Net loans and leases to deposits | 61.5817% | 4,785 |
| Net loans and leases to core deposits | 63.9019% | 4,886 |
| Total domestic deposits to total assets | 81.4108% | 4,693 |
| Equity capital to assets | 10.5507% | 3,499 |
| Core capital (leverage) ratio | 8.3492% | 5,802 |
| Tier 1 risk-based capital ratio | 13.5465% | 4,509 |
| Total risk-based capital ratio | 14.6932% | 4,522 |
| Memoranda: | ||
| Average total assets | $833,698,000 | 815 |
| Average earning assets | $741,996,500 | 833 |
| Average equity | $85,629,250 | 865 |
| Average total loans | $428,502,500 | 1,029 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 4,746 |
| Cost of funding earning assets | 0.3425% | 4,512 |
| Net interest margin | 3.3937% | 4,205 |
| Noninterest income to average assets | 1.6936% | 449 |
| Noninterest expense to average assets | 3.2414% | 2,069 |
| Loan and lease loss provision to assets | 0.1087% | 2,202 |
| Net operating income to assets | 0.9875% | 2,374 |
| Return on assets (ROA) | 0.9943% | 2,411 |
| Pretax return on assets | 1.3676% | 2,012 |
| Return on Equity (ROE) | 9.7720% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.3069% | 884 |
| Net charge-offs to loans | 0.3934% | 1,025 |
| Credit loss provision to net charge-offs | 53.5077% | 2,746 |
| Earnings coverage of net charge-offs (x) | 7.2235% | 2,662 |
| Efficiency ratio | 65.5880% | 4,423 |
| Assets per employee ($millions) | 3.2327% | 5,368 |
| Cash dividends to net income (ytd only)* | 4.7596% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 4,424 |
| Loan loss allowance to noncurrent loans | 78.6107% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 3,542 |
| Noncurrent loans to loans | 1.5274% | 2,275 |
| Net loans and leases to total assets | 50.7992% | 4,877 |
| Net loans and leases to deposits | 61.6380% | 4,726 |
| Net loans and leases to core deposits | 64.3646% | 4,785 |
| Total domestic deposits to total assets | 82.4154% | 4,499 |
| Equity capital to assets | 10.5235% | 3,415 |
| Core capital (leverage) ratio | 8.2522% | 5,886 |
| Tier 1 risk-based capital ratio | 13.1427% | 4,825 |
| Total risk-based capital ratio | 14.2802% | 4,823 |
| Memoranda: | ||
| Average total assets | $828,292,670 | 824 |
| Average earning assets | $735,781,330 | 836 |
| Average equity | $84,281,670 | 870 |
| Average total loans | $427,563,670 | 1,026 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 4,742 |
| Cost of funding earning assets | 0.3462% | 4,573 |
| Net interest margin | 3.3848% | 4,197 |
| Noninterest income to average assets | 1.4809% | 532 |
| Noninterest expense to average assets | 3.1829% | 2,286 |
| Loan and lease loss provision to assets | 0.0727% | 2,683 |
| Net operating income to assets | 0.9067% | 2,618 |
| Return on assets (ROA) | 0.9067% | 2,688 |
| Pretax return on assets | 1.2294% | 2,352 |
| Return on Equity (ROE) | 9.0674% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.0674% | 1,222 |
| Net charge-offs to loans | 0.0468% | 2,735 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 53.7400% | 716 |
| Efficiency ratio | 67.6823% | 4,227 |
| Assets per employee ($millions) | 3.0628% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 3,996 |
| Loan loss allowance to noncurrent loans | 45.6643% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 1.5289% | 2,313 |
| Noncurrent loans to loans | 2.8963% | 1,123 |
| Net loans and leases to total assets | 51.0752% | 4,788 |
| Net loans and leases to deposits | 61.6279% | 4,592 |
| Net loans and leases to core deposits | 63.6293% | 4,721 |
| Total domestic deposits to total assets | 82.8766% | 4,649 |
| Equity capital to assets | 10.2078% | 3,591 |
| Core capital (leverage) ratio | 8.0688% | 6,069 |
| Tier 1 risk-based capital ratio | 12.7814% | 5,134 |
| Total risk-based capital ratio | 13.9787% | 5,108 |
| Memoranda: | ||
| Average total assets | $825,420,500 | 830 |
| Average earning assets | $732,568,000 | 847 |
| Average equity | $82,537,500 | 887 |
| Average total loans | $426,929,000 | 1,035 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,997 |
| Cost of funding earning assets | 0.4439% | 4,175 |
| Net interest margin | 3.3007% | 4,660 |
| Noninterest income to average assets | 1.5259% | 607 |
| Noninterest expense to average assets | 3.4125% | 1,856 |
| Loan and lease loss provision to assets | 0.1192% | 2,825 |
| Net operating income to assets | 0.7640% | 3,475 |
| Return on assets (ROA) | 0.7640% | 3,570 |
| Pretax return on assets | 0.9121% | 3,718 |
| Return on Equity (ROE) | 6.5596% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.0502% | 2,562 |
| Net charge-offs to loans | -0.0456% | 6,310 |
| Credit loss provision to net charge-offs | -503.1447% | 6,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2826% | 3,086 |
| Assets per employee ($millions) | 3.0071% | 5,829 |
| Cash dividends to net income (ytd only)* | 23.0109% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,164 |
| Loan loss allowance to noncurrent loans | 56.3237% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 1.2378% | 2,941 |
| Noncurrent loans to loans | 2.3012% | 1,674 |
| Net loans and leases to total assets | 51.0157% | 4,967 |
| Net loans and leases to deposits | 61.0497% | 4,823 |
| Net loans and leases to core deposits | 63.0072% | 4,970 |
| Total domestic deposits to total assets | 83.5642% | 4,335 |
| Equity capital to assets | 9.7919% | 4,049 |
| Core capital (leverage) ratio | 8.4632% | 5,712 |
| Tier 1 risk-based capital ratio | 12.4278% | 5,334 |
| Total risk-based capital ratio | 13.5582% | 5,351 |
| Memoranda: | ||
| Average total assets | $671,232,000 | 991 |
| Average earning assets | $593,386,800 | 1,032 |
| Average equity | $78,175,800 | 914 |
| Average total loans | $348,383,800 | 1,228 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 4,955 |
| Cost of funding earning assets | 0.4744% | 4,023 |
| Net interest margin | 3.2977% | 4,646 |
| Noninterest income to average assets | 1.6116% | 566 |
| Noninterest expense to average assets | 3.1303% | 2,567 |
| Loan and lease loss provision to assets | 0.1687% | 2,154 |
| Net operating income to assets | 0.9428% | 2,625 |
| Return on assets (ROA) | 0.9428% | 2,733 |
| Pretax return on assets | 1.2234% | 2,608 |
| Return on Equity (ROE) | 7.6942% | 3,285 |
| Retained earnings to average equity (ytd only) | 5.9733% | 2,429 |
| Net charge-offs to loans | 0.1035% | 3,501 |
| Credit loss provision to net charge-offs | 313.7255% | 817 |
| Earnings coverage of net charge-offs (x) | 25.8903% | 1,367 |
| Efficiency ratio | 66.9884% | 4,303 |
| Assets per employee ($millions) | 3.1107% | 5,658 |
| Cash dividends to net income (ytd only)* | 22.3664% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 3,183 |
| Loan loss allowance to noncurrent loans | 78.6196% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 3,434 |
| Noncurrent loans to loans | 1.9853% | 2,264 |
| Net loans and leases to total assets | 51.4501% | 4,943 |
| Net loans and leases to deposits | 64.4139% | 4,472 |
| Net loans and leases to core deposits | 67.5895% | 4,562 |
| Total domestic deposits to total assets | 79.8743% | 5,538 |
| Equity capital to assets | 12.3631% | 1,663 |
| Core capital (leverage) ratio | 10.2508% | 3,326 |
| Tier 1 risk-based capital ratio | 17.0277% | 2,694 |
| Total risk-based capital ratio | 18.2796% | 2,658 |
| Memoranda: | ||
| Average total assets | $632,299,750 | 1,068 |
| Average earning assets | $558,108,500 | 1,096 |
| Average equity | $77,476,000 | 934 |
| Average total loans | $328,624,750 | 1,299 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7374% | 5,032 |
| Cost of funding earning assets | 0.4849% | 4,037 |
| Net interest margin | 3.2525% | 4,762 |
| Noninterest income to average assets | 1.5972% | 622 |
| Noninterest expense to average assets | 3.0091% | 2,972 |
| Loan and lease loss provision to assets | 0.1894% | 1,994 |
| Net operating income to assets | 0.9728% | 2,450 |
| Return on assets (ROA) | 0.9728% | 2,594 |
| Pretax return on assets | 1.2677% | 2,415 |
| Return on Equity (ROE) | 7.9632% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.2708% | 2,280 |
| Net charge-offs to loans | 0.1679% | 2,772 |
| Credit loss provision to net charge-offs | 217.3913% | 1,114 |
| Earnings coverage of net charge-offs (x) | 16.7246% | 1,646 |
| Efficiency ratio | 65.6796% | 4,605 |
| Assets per employee ($millions) | 3.1996% | 5,482 |
| Cash dividends to net income (ytd only)* | 21.2524% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 3,734 |
| Loan loss allowance to noncurrent loans | 79.8860% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 3,134 |
| Noncurrent loans to loans | 1.8372% | 2,584 |
| Net loans and leases to total assets | 51.4602% | 4,936 |
| Net loans and leases to deposits | 65.5674% | 4,317 |
| Net loans and leases to core deposits | 68.9711% | 4,394 |
| Total domestic deposits to total assets | 78.4844% | 5,881 |
| Equity capital to assets | 11.9684% | 1,936 |
| Core capital (leverage) ratio | 10.0728% | 3,411 |
| Tier 1 risk-based capital ratio | 16.3973% | 2,982 |
| Total risk-based capital ratio | 17.6478% | 2,945 |
| Memoranda: | ||
| Average total assets | $633,613,000 | 1,064 |
| Average earning assets | $558,889,330 | 1,094 |
| Average equity | $77,406,330 | 934 |
| Average total loans | $328,693,670 | 1,294 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 4,960 |
| Cost of funding earning assets | 0.5016% | 4,073 |
| Net interest margin | 3.2581% | 4,691 |
| Noninterest income to average assets | 1.6261% | 586 |
| Noninterest expense to average assets | 3.0384% | 2,868 |
| Loan and lease loss provision to assets | 0.1903% | 1,936 |
| Net operating income to assets | 0.9802% | 2,316 |
| Return on assets (ROA) | 0.9802% | 2,445 |
| Pretax return on assets | 1.2657% | 2,353 |
| Return on Equity (ROE) | 7.9419% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.9419% | 1,771 |
| Net charge-offs to loans | 0.3031% | 1,753 |
| Credit loss provision to net charge-offs | 121.4575% | 1,586 |
| Earnings coverage of net charge-offs (x) | 9.2915% | 1,855 |
| Efficiency ratio | 64.4551% | 4,930 |
| Assets per employee ($millions) | 3.1951% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 4,094 |
| Loan loss allowance to noncurrent loans | 59.1071% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 2,942 |
| Noncurrent loans to loans | 2.4181% | 2,140 |
| Net loans and leases to total assets | 49.2721% | 5,082 |
| Net loans and leases to deposits | 62.4391% | 4,484 |
| Net loans and leases to core deposits | 65.6216% | 4,577 |
| Total domestic deposits to total assets | 78.9123% | 5,978 |
| Equity capital to assets | 12.1044% | 1,970 |
| Core capital (leverage) ratio | 10.0564% | 3,311 |
| Tier 1 risk-based capital ratio | 16.4749% | 3,018 |
| Total risk-based capital ratio | 17.7251% | 2,973 |
| Memoranda: | ||
| Average total assets | $630,461,500 | 1,080 |
| Average earning assets | $555,054,500 | 1,111 |
| Average equity | $77,815,500 | 944 |
| Average total loans | $325,937,000 | 1,306 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 5,210 |
| Cost of funding earning assets | 0.6213% | 4,164 |
| Net interest margin | 3.4145% | 4,834 |
| Noninterest income to average assets | 1.8823% | 475 |
| Noninterest expense to average assets | 3.2226% | 2,542 |
| Loan and lease loss provision to assets | 0.3038% | 2,249 |
| Net operating income to assets | 1.0420% | 2,161 |
| Return on assets (ROA) | 1.0930% | 2,143 |
| Pretax return on assets | 1.4221% | 1,957 |
| Return on Equity (ROE) | 8.8400% | 2,709 |
| Retained earnings to average equity (ytd only) | 2.4027% | 4,541 |
| Net charge-offs to loans | 0.6312% | 1,859 |
| Credit loss provision to net charge-offs | 93.7808% | 3,322 |
| Earnings coverage of net charge-offs (x) | 5.1239% | 3,142 |
| Efficiency ratio | 62.1476% | 5,213 |
| Assets per employee ($millions) | 3.0770% | 5,889 |
| Cash dividends to net income (ytd only)* | 72.8204% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 4,182 |
| Loan loss allowance to noncurrent loans | 50.2964% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.8866% | 2,587 |
| Noncurrent loans to loans | 2.7797% | 1,899 |
| Net loans and leases to total assets | 52.7630% | 4,795 |
| Net loans and leases to deposits | 66.4545% | 4,215 |
| Net loans and leases to core deposits | 69.9945% | 4,319 |
| Total domestic deposits to total assets | 79.3973% | 5,804 |
| Equity capital to assets | 12.5949% | 1,640 |
| Core capital (leverage) ratio | 9.8987% | 3,547 |
| Tier 1 risk-based capital ratio | 16.0928% | 3,114 |
| Total risk-based capital ratio | 17.3334% | 3,069 |
| Memoranda: | ||
| Average total assets | $625,462,200 | 1,055 |
| Average earning assets | $549,537,000 | 1,101 |
| Average equity | $77,330,400 | 911 |
| Average total loans | $320,976,600 | 1,312 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0594% | 5,333 |
| Cost of funding earning assets | 0.6363% | 4,309 |
| Net interest margin | 3.4231% | 4,957 |
| Noninterest income to average assets | 1.8525% | 468 |
| Noninterest expense to average assets | 3.1503% | 2,717 |
| Loan and lease loss provision to assets | 0.3393% | 1,931 |
| Net operating income to assets | 1.0375% | 2,326 |
| Return on assets (ROA) | 1.0851% | 2,346 |
| Pretax return on assets | 1.4363% | 2,129 |
| Return on Equity (ROE) | 8.8166% | 2,893 |
| Retained earnings to average equity (ytd only) | 5.5084% | 3,030 |
| Net charge-offs to loans | 0.0585% | 4,844 |
| Credit loss provision to net charge-offs | 1,142.8571% | 241 |
| Earnings coverage of net charge-offs (x) | 57.7006% | 677 |
| Efficiency ratio | 60.8224% | 5,349 |
| Assets per employee ($millions) | 3.4169% | 5,169 |
| Cash dividends to net income (ytd only)* | 37.5220% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 2,445 |
| Loan loss allowance to noncurrent loans | 134.7389% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 4,063 |
| Noncurrent loans to loans | 1.4160% | 3,678 |
| Net loans and leases to total assets | 49.3575% | 5,394 |
| Net loans and leases to deposits | 61.3142% | 5,041 |
| Net loans and leases to core deposits | 64.8031% | 5,071 |
| Total domestic deposits to total assets | 80.4993% | 5,513 |
| Equity capital to assets | 12.3237% | 2,016 |
| Core capital (leverage) ratio | 9.7599% | 3,856 |
| Tier 1 risk-based capital ratio | 16.3203% | 3,101 |
| Total risk-based capital ratio | 17.5686% | 3,069 |
| Memoranda: | ||
| Average total assets | $628,748,500 | 1,059 |
| Average earning assets | $553,011,250 | 1,107 |
| Average equity | $77,382,750 | 910 |
| Average total loans | $319,306,250 | 1,329 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 5,200 |
| Cost of funding earning assets | 0.6565% | 4,385 |
| Net interest margin | 3.4729% | 4,791 |
| Noninterest income to average assets | 1.7872% | 488 |
| Noninterest expense to average assets | 3.0948% | 2,944 |
| Loan and lease loss provision to assets | 0.1922% | 3,167 |
| Net operating income to assets | 1.1476% | 1,885 |
| Return on assets (ROA) | 1.2175% | 1,847 |
| Pretax return on assets | 1.6440% | 1,415 |
| Return on Equity (ROE) | 9.8973% | 2,403 |
| Retained earnings to average equity (ytd only) | 7.4308% | 1,908 |
| Net charge-offs to loans | 0.0220% | 5,092 |
| Credit loss provision to net charge-offs | 1,714.2857% | 185 |
| Earnings coverage of net charge-offs (x) | 155.3143% | 289 |
| Efficiency ratio | 61.1659% | 5,393 |
| Assets per employee ($millions) | 3.4300% | 5,141 |
| Cash dividends to net income (ytd only)* | 24.9211% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 3,347 |
| Loan loss allowance to noncurrent loans | 581.2569% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 5,439 |
| Noncurrent loans to loans | 0.2877% | 5,993 |
| Net loans and leases to total assets | 47.0757% | 5,711 |
| Net loans and leases to deposits | 57.7821% | 5,472 |
| Net loans and leases to core deposits | 60.9809% | 5,492 |
| Total domestic deposits to total assets | 81.4711% | 5,309 |
| Equity capital to assets | 11.8487% | 2,270 |
| Core capital (leverage) ratio | 9.6153% | 3,971 |
| Tier 1 risk-based capital ratio | 16.1298% | 3,106 |
| Total risk-based capital ratio | 17.3740% | 3,074 |
| Memoranda: | ||
| Average total assets | $624,207,330 | 1,063 |
| Average earning assets | $548,069,330 | 1,111 |
| Average equity | $76,789,000 | 913 |
| Average total loans | $317,999,670 | 1,335 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 5,151 |
| Cost of funding earning assets | 0.6860% | 4,400 |
| Net interest margin | 3.5015% | 4,690 |
| Noninterest income to average assets | 1.7376% | 503 |
| Noninterest expense to average assets | 3.0667% | 3,035 |
| Loan and lease loss provision to assets | 0.1977% | 2,966 |
| Net operating income to assets | 1.1417% | 1,911 |
| Return on assets (ROA) | 1.2217% | 1,865 |
| Pretax return on assets | 1.6421% | 1,452 |
| Return on Equity (ROE) | 9.7364% | 2,501 |
| Retained earnings to average equity (ytd only) | 9.7364% | 1,343 |
| Net charge-offs to loans | -0.0088% | 5,906 |
| Credit loss provision to net charge-offs | -4,285.7143% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0135% | 5,453 |
| Assets per employee ($millions) | 3.2680% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 3,733 |
| Loan loss allowance to noncurrent loans | 256.9964% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 5,188 |
| Noncurrent loans to loans | 0.6210% | 5,409 |
| Net loans and leases to total assets | 50.0518% | 5,299 |
| Net loans and leases to deposits | 62.4584% | 4,852 |
| Net loans and leases to core deposits | 65.6632% | 4,953 |
| Total domestic deposits to total assets | 80.1363% | 5,826 |
| Equity capital to assets | 12.4609% | 1,748 |
| Core capital (leverage) ratio | 10.3357% | 2,948 |
| Tier 1 risk-based capital ratio | 16.4274% | 2,949 |
| Total risk-based capital ratio | 17.6704% | 2,908 |
| Memoranda: | ||
| Average total assets | $607,031,500 | 1,097 |
| Average earning assets | $530,622,500 | 1,156 |
| Average equity | $76,168,000 | 915 |
| Average total loans | $319,353,000 | 1,329 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5309% | 4,952 |
| Cost of funding earning assets | 0.8095% | 4,797 |
| Net interest margin | 3.7214% | 4,200 |
| Noninterest income to average assets | 1.5233% | 567 |
| Noninterest expense to average assets | 3.4176% | 2,198 |
| Loan and lease loss provision to assets | 0.3472% | 2,922 |
| Net operating income to assets | 0.8559% | 2,789 |
| Return on assets (ROA) | 0.8837% | 2,806 |
| Pretax return on assets | 1.0256% | 3,140 |
| Return on Equity (ROE) | 6.8097% | 3,486 |
| Retained earnings to average equity (ytd only) | 0.4910% | 5,605 |
| Net charge-offs to loans | 0.7037% | 2,398 |
| Credit loss provision to net charge-offs | 88.4956% | 4,080 |
| Earnings coverage of net charge-offs (x) | 3.4164% | 3,530 |
| Efficiency ratio | 68.9885% | 4,150 |
| Assets per employee ($millions) | 3.0743% | 5,946 |
| Cash dividends to net income (ytd only)* | 92.7898% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 4,234 |
| Loan loss allowance to noncurrent loans | 331.7125% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 5,416 |
| Noncurrent loans to loans | 0.4372% | 5,834 |
| Net loans and leases to total assets | 53.6273% | 5,095 |
| Net loans and leases to deposits | 70.1413% | 4,073 |
| Net loans and leases to core deposits | 75.1933% | 4,079 |
| Total domestic deposits to total assets | 76.4561% | 6,417 |
| Equity capital to assets | 12.6374% | 1,713 |
| Core capital (leverage) ratio | 10.2933% | 2,981 |
| Tier 1 risk-based capital ratio | 15.7320% | 3,203 |
| Total risk-based capital ratio | 16.9739% | 3,164 |
| Memoranda: | ||
| Average total assets | $575,981,600 | 1,143 |
| Average earning assets | $500,675,600 | 1,209 |
| Average equity | $74,746,400 | 903 |
| Average total loans | $321,157,600 | 1,320 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 4,972 |
| Cost of funding earning assets | 0.8322% | 4,930 |
| Net interest margin | 3.7438% | 4,138 |
| Noninterest income to average assets | 1.5015% | 584 |
| Noninterest expense to average assets | 3.3900% | 2,213 |
| Loan and lease loss provision to assets | 0.3737% | 2,611 |
| Net operating income to assets | 0.8131% | 3,088 |
| Return on assets (ROA) | 0.8487% | 3,099 |
| Pretax return on assets | 1.0363% | 3,258 |
| Return on Equity (ROE) | 6.4957% | 3,770 |
| Retained earnings to average equity (ytd only) | 4.1541% | 3,773 |
| Net charge-offs to loans | 0.9341% | 1,724 |
| Credit loss provision to net charge-offs | 71.3012% | 4,437 |
| Earnings coverage of net charge-offs (x) | 2.6074% | 3,813 |
| Efficiency ratio | 68.5653% | 4,203 |
| Assets per employee ($millions) | 3.0604% | 5,992 |
| Cash dividends to net income (ytd only)* | 36.0484% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,770 |
| Loan loss allowance to noncurrent loans | 500.9270% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 5,576 |
| Noncurrent loans to loans | 0.2697% | 6,329 |
| Net loans and leases to total assets | 54.5708% | 5,079 |
| Net loans and leases to deposits | 69.5098% | 4,381 |
| Net loans and leases to core deposits | 74.6513% | 4,360 |
| Total domestic deposits to total assets | 78.5080% | 6,094 |
| Equity capital to assets | 13.3339% | 1,449 |
| Core capital (leverage) ratio | 10.6972% | 2,666 |
| Tier 1 risk-based capital ratio | 16.3659% | 2,930 |
| Total risk-based capital ratio | 17.5750% | 2,922 |
| Memoranda: | ||
| Average total assets | $570,875,750 | 1,167 |
| Average earning assets | $496,343,250 | 1,224 |
| Average equity | $74,590,500 | 911 |
| Average total loans | $320,311,250 | 1,339 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 5,017 |
| Cost of funding earning assets | 0.8528% | 5,042 |
| Net interest margin | 3.7351% | 4,098 |
| Noninterest income to average assets | 1.4357% | 617 |
| Noninterest expense to average assets | 3.4802% | 2,032 |
| Loan and lease loss provision to assets | 0.3871% | 2,476 |
| Net operating income to assets | 0.7069% | 3,506 |
| Return on assets (ROA) | 0.7069% | 3,619 |
| Pretax return on assets | 0.8111% | 3,982 |
| Return on Equity (ROE) | 5.4485% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.6585% | 3,899 |
| Net charge-offs to loans | 1.2870% | 1,204 |
| Credit loss provision to net charge-offs | 53.3463% | 4,501 |
| Earnings coverage of net charge-offs (x) | 1.6513% | 4,054 |
| Efficiency ratio | 71.6736% | 3,804 |
| Assets per employee ($millions) | 3.0294% | 6,020 |
| Cash dividends to net income (ytd only)* | 32.8522% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 5,297 |
| Loan loss allowance to noncurrent loans | 496.2825% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 5,685 |
| Noncurrent loans to loans | 0.2523% | 6,417 |
| Net loans and leases to total assets | 54.8681% | 5,168 |
| Net loans and leases to deposits | 69.8967% | 4,454 |
| Net loans and leases to core deposits | 73.8720% | 4,594 |
| Total domestic deposits to total assets | 78.4989% | 6,189 |
| Equity capital to assets | 13.0911% | 1,476 |
| Core capital (leverage) ratio | 10.5286% | 2,686 |
| Tier 1 risk-based capital ratio | 16.1179% | 2,922 |
| Total risk-based capital ratio | 17.2410% | 2,948 |
| Memoranda: | ||
| Average total assets | $568,360,670 | 1,178 |
| Average earning assets | $493,431,330 | 1,237 |
| Average equity | $73,745,330 | 921 |
| Average total loans | $320,424,330 | 1,350 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 5,114 |
| Cost of funding earning assets | 0.8782% | 5,076 |
| Net interest margin | 3.6844% | 4,182 |
| Noninterest income to average assets | 1.4194% | 637 |
| Noninterest expense to average assets | 3.3664% | 2,365 |
| Loan and lease loss provision to assets | 0.2833% | 2,879 |
| Net operating income to assets | 0.8046% | 3,006 |
| Return on assets (ROA) | 0.8046% | 3,071 |
| Pretax return on assets | 0.9640% | 3,268 |
| Return on Equity (ROE) | 6.2295% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.2295% | 2,508 |
| Net charge-offs to loans | 1.2285% | 1,131 |
| Credit loss provision to net charge-offs | 40.6091% | 3,934 |
| Earnings coverage of net charge-offs (x) | 1.7878% | 3,409 |
| Efficiency ratio | 70.2180% | 4,213 |
| Assets per employee ($millions) | 2.8780% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,760 |
| Loan loss allowance to noncurrent loans | 195.5377% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.9043% | 5,094 |
| Noncurrent loans to loans | 0.7064% | 5,602 |
| Net loans and leases to total assets | 54.9029% | 5,179 |
| Net loans and leases to deposits | 69.2660% | 4,478 |
| Net loans and leases to core deposits | 72.1948% | 4,763 |
| Total domestic deposits to total assets | 79.2637% | 6,128 |
| Equity capital to assets | 12.9188% | 1,416 |
| Core capital (leverage) ratio | 10.7435% | 2,403 |
| Tier 1 risk-based capital ratio | 15.9394% | 2,929 |
| Total risk-based capital ratio | 17.1422% | 2,930 |
| Memoranda: | ||
| Average total assets | $564,751,000 | 1,194 |
| Average earning assets | $489,633,500 | 1,255 |
| Average equity | $72,943,000 | 927 |
| Average total loans | $320,729,000 | 1,364 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 5,068 |
| Cost of funding earning assets | 1.1133% | 5,064 |
| Net interest margin | 3.7796% | 4,032 |
| Noninterest income to average assets | 1.5714% | 593 |
| Noninterest expense to average assets | 3.4578% | 2,288 |
| Loan and lease loss provision to assets | 1.0294% | 1,570 |
| Net operating income to assets | 0.4308% | 4,405 |
| Return on assets (ROA) | 0.4623% | 4,429 |
| Pretax return on assets | 0.4103% | 4,911 |
| Return on Equity (ROE) | 3.6108% | 4,694 |
| Retained earnings to average equity (ytd only) | -0.3543% | 5,681 |
| Net charge-offs to loans | 1.8611% | 1,114 |
| Credit loss provision to net charge-offs | 92.1731% | 5,033 |
| Earnings coverage of net charge-offs (x) | 1.2609% | 4,846 |
| Efficiency ratio | 68.2288% | 4,515 |
| Assets per employee ($millions) | 2.6906% | 6,704 |
| Cash dividends to net income (ytd only)* | 109.8113% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,854 |
| Loan loss allowance to noncurrent loans | 103.1140% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.4314% | 4,192 |
| Noncurrent loans to loans | 1.4858% | 4,249 |
| Net loans and leases to total assets | 57.0435% | 5,181 |
| Net loans and leases to deposits | 73.6728% | 4,248 |
| Net loans and leases to core deposits | 76.7903% | 4,607 |
| Total domestic deposits to total assets | 77.4282% | 6,415 |
| Equity capital to assets | 12.9131% | 1,435 |
| Core capital (leverage) ratio | 10.4974% | 2,560 |
| Tier 1 risk-based capital ratio | 15.7704% | 2,859 |
| Total risk-based capital ratio | 17.0217% | 2,820 |
| Memoranda: | ||
| Average total assets | $573,174,200 | 1,175 |
| Average earning assets | $499,604,600 | 1,230 |
| Average equity | $73,391,800 | 908 |
| Average total loans | $343,940,600 | 1,301 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 5,101 |
| Cost of funding earning assets | 1.1620% | 5,079 |
| Net interest margin | 3.7733% | 4,082 |
| Noninterest income to average assets | 1.4629% | 634 |
| Noninterest expense to average assets | 3.2796% | 2,636 |
| Loan and lease loss provision to assets | 1.2025% | 1,190 |
| Net operating income to assets | 0.3409% | 5,002 |
| Return on assets (ROA) | 0.3827% | 5,010 |
| Pretax return on assets | 0.3147% | 5,465 |
| Return on Equity (ROE) | 2.9952% | 5,225 |
| Retained earnings to average equity (ytd only) | 0.5882% | 5,566 |
| Net charge-offs to loans | 2.3190% | 762 |
| Credit loss provision to net charge-offs | 85.6955% | 4,933 |
| Earnings coverage of net charge-offs (x) | 1.0514% | 5,007 |
| Efficiency ratio | 66.2046% | 4,816 |
| Assets per employee ($millions) | 2.8273% | 6,538 |
| Cash dividends to net income (ytd only)* | 80.3626% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,656 |
| Loan loss allowance to noncurrent loans | 102.9313% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.5141% | 4,181 |
| Noncurrent loans to loans | 1.3235% | 4,651 |
| Net loans and leases to total assets | 58.9027% | 5,120 |
| Net loans and leases to deposits | 75.8884% | 4,198 |
| Net loans and leases to core deposits | 79.0058% | 4,661 |
| Total domestic deposits to total assets | 77.6176% | 6,342 |
| Equity capital to assets | 13.1973% | 1,496 |
| Core capital (leverage) ratio | 10.4529% | 2,740 |
| Tier 1 risk-based capital ratio | 15.4319% | 3,033 |
| Total risk-based capital ratio | 16.6634% | 3,004 |
| Memoranda: | ||
| Average total assets | $576,555,250 | 1,181 |
| Average earning assets | $503,032,500 | 1,233 |
| Average equity | $73,672,750 | 898 |
| Average total loans | $348,873,000 | 1,301 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 5,151 |
| Cost of funding earning assets | 1.1868% | 5,199 |
| Net interest margin | 3.7697% | 4,050 |
| Noninterest income to average assets | 1.3698% | 672 |
| Noninterest expense to average assets | 3.2558% | 2,707 |
| Loan and lease loss provision to assets | 1.6200% | 805 |
| Net operating income to assets | 0.0473% | 5,998 |
| Return on assets (ROA) | 0.1406% | 5,863 |
| Pretax return on assets | -0.0693% | 6,217 |
| Return on Equity (ROE) | 1.1124% | 5,915 |
| Retained earnings to average equity (ytd only) | -0.6871% | 5,899 |
| Net charge-offs to loans | 3.2870% | 460 |
| Credit loss provision to net charge-offs | 81.1044% | 4,676 |
| Earnings coverage of net charge-offs (x) | 0.7034% | 5,039 |
| Efficiency ratio | 67.1868% | 4,729 |
| Assets per employee ($millions) | 2.7477% | 6,695 |
| Cash dividends to net income (ytd only)* | 161.7647% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 5,160 |
| Loan loss allowance to noncurrent loans | 65.0164% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.7581% | 3,822 |
| Noncurrent loans to loans | 1.9282% | 3,833 |
| Net loans and leases to total assets | 59.9814% | 5,061 |
| Net loans and leases to deposits | 79.0942% | 3,778 |
| Net loans and leases to core deposits | 82.9263% | 4,292 |
| Total domestic deposits to total assets | 75.8355% | 6,723 |
| Equity capital to assets | 12.7461% | 1,671 |
| Core capital (leverage) ratio | 10.1378% | 3,012 |
| Tier 1 risk-based capital ratio | 14.8454% | 3,239 |
| Total risk-based capital ratio | 16.0046% | 3,267 |
| Memoranda: | ||
| Average total assets | $580,251,670 | 1,172 |
| Average earning assets | $506,571,670 | 1,227 |
| Average equity | $73,355,000 | 901 |
| Average total loans | $352,605,670 | 1,304 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 5,207 |
| Cost of funding earning assets | 1.2115% | 5,336 |
| Net interest margin | 3.7451% | 4,029 |
| Noninterest income to average assets | 1.1865% | 863 |
| Noninterest expense to average assets | 3.2577% | 2,683 |
| Loan and lease loss provision to assets | 0.4801% | 2,581 |
| Net operating income to assets | 0.5758% | 4,002 |
| Return on assets (ROA) | 0.8847% | 2,681 |
| Pretax return on assets | 1.1062% | 2,711 |
| Return on Equity (ROE) | 7.0267% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.0267% | 2,121 |
| Net charge-offs to loans | 0.1478% | 4,044 |
| Credit loss provision to net charge-offs | 534.3511% | 793 |
| Earnings coverage of net charge-offs (x) | 13.3588% | 1,502 |
| Efficiency ratio | 70.3231% | 4,242 |
| Assets per employee ($millions) | 2.8220% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 3,077 |
| Loan loss allowance to noncurrent loans | 51.2696% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.5435% | 2,859 |
| Noncurrent loans to loans | 3.3069% | 2,414 |
| Net loans and leases to total assets | 59.9222% | 5,131 |
| Net loans and leases to deposits | 77.9047% | 4,063 |
| Net loans and leases to core deposits | 80.8034% | 4,660 |
| Total domestic deposits to total assets | 76.9173% | 6,576 |
| Equity capital to assets | 12.6547% | 1,674 |
| Core capital (leverage) ratio | 10.3280% | 2,780 |
| Tier 1 risk-based capital ratio | 14.8989% | 3,150 |
| Total risk-based capital ratio | 16.1414% | 3,122 |
| Memoranda: | ||
| Average total assets | $583,242,000 | 1,191 |
| Average earning assets | $509,464,000 | 1,251 |
| Average equity | $73,434,000 | 903 |
| Average total loans | $354,494,000 | 1,335 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1495% | 5,880 |
| Cost of funding earning assets | 1.5620% | 5,218 |
| Net interest margin | 3.5876% | 4,593 |
| Noninterest income to average assets | 1.3784% | 775 |
| Noninterest expense to average assets | 3.1065% | 3,707 |
| Loan and lease loss provision to assets | 0.5481% | 3,629 |
| Net operating income to assets | 0.7898% | 2,568 |
| Return on assets (ROA) | 0.6491% | 3,197 |
| Pretax return on assets | 0.7296% | 3,473 |
| Return on Equity (ROE) | 5.3973% | 3,471 |
| Retained earnings to average equity (ytd only) | 1.6559% | 3,921 |
| Net charge-offs to loans | 0.4673% | 3,910 |
| Credit loss provision to net charge-offs | 193.7757% | 2,050 |
| Earnings coverage of net charge-offs (x) | 5.0763% | 2,693 |
| Efficiency ratio | 65.5856% | 5,477 |
| Assets per employee ($millions) | 2.8545% | 6,551 |
| Cash dividends to net income (ytd only)* | 69.3193% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 3,483 |
| Loan loss allowance to noncurrent loans | 46.2215% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.2254% | 3,098 |
| Noncurrent loans to loans | 3.3521% | 2,274 |
| Net loans and leases to total assets | 59.6647% | 5,386 |
| Net loans and leases to deposits | 78.4552% | 4,283 |
| Net loans and leases to core deposits | 88.0866% | 5,318 |
| Total domestic deposits to total assets | 76.0494% | 6,671 |
| Equity capital to assets | 12.5264% | 1,736 |
| Core capital (leverage) ratio | 9.8611% | 3,257 |
| Tier 1 risk-based capital ratio | 14.5353% | 3,187 |
| Total risk-based capital ratio | 15.7682% | 3,152 |
| Memoranda: | ||
| Average total assets | $602,090,600 | 1,147 |
| Average earning assets | $531,001,400 | 1,198 |
| Average equity | $72,406,000 | 902 |
| Average total loans | $364,459,200 | 1,318 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 6,135 |
| Cost of funding earning assets | 1.6079% | 5,365 |
| Net interest margin | 3.5338% | 4,724 |
| Noninterest income to average assets | 1.4376% | 720 |
| Noninterest expense to average assets | 3.0811% | 3,717 |
| Loan and lease loss provision to assets | 0.6589% | 2,769 |
| Net operating income to assets | 0.7127% | 3,161 |
| Return on assets (ROA) | 0.5772% | 3,763 |
| Pretax return on assets | 0.6655% | 3,969 |
| Return on Equity (ROE) | 4.8483% | 4,028 |
| Retained earnings to average equity (ytd only) | 2.4241% | 3,967 |
| Net charge-offs to loans | 0.5963% | 2,890 |
| Credit loss provision to net charge-offs | 182.5928% | 2,498 |
| Earnings coverage of net charge-offs (x) | 4.1016% | 3,261 |
| Efficiency ratio | 64.7855% | 5,592 |
| Assets per employee ($millions) | 2.9949% | 6,168 |
| Cash dividends to net income (ytd only)* | 50.0001% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 3,641 |
| Loan loss allowance to noncurrent loans | 42.6636% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.3335% | 2,946 |
| Noncurrent loans to loans | 3.4233% | 2,193 |
| Net loans and leases to total assets | 58.5953% | 5,793 |
| Net loans and leases to deposits | 77.7865% | 4,768 |
| Net loans and leases to core deposits | 89.9782% | 5,435 |
| Total domestic deposits to total assets | 75.3283% | 6,713 |
| Equity capital to assets | 12.3370% | 2,042 |
| Core capital (leverage) ratio | 9.7072% | 3,636 |
| Tier 1 risk-based capital ratio | 14.3951% | 3,332 |
| Total risk-based capital ratio | 15.6312% | 3,285 |
| Memoranda: | ||
| Average total assets | $607,032,500 | 1,158 |
| Average earning assets | $536,590,000 | 1,191 |
| Average equity | $72,271,500 | 919 |
| Average total loans | $367,346,750 | 1,330 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 6,228 |
| Cost of funding earning assets | 1.6595% | 5,474 |
| Net interest margin | 3.4998% | 4,801 |
| Noninterest income to average assets | 1.4670% | 685 |
| Noninterest expense to average assets | 3.0402% | 3,918 |
| Loan and lease loss provision to assets | 0.3614% | 3,759 |
| Net operating income to assets | 0.9298% | 2,344 |
| Return on assets (ROA) | 0.7784% | 3,042 |
| Pretax return on assets | 0.9686% | 3,118 |
| Return on Equity (ROE) | 6.6167% | 3,376 |
| Retained earnings to average equity (ytd only) | 4.7677% | 2,658 |
| Net charge-offs to loans | 0.0783% | 5,418 |
| Credit loss provision to net charge-offs | 758.6207% | 619 |
| Earnings coverage of net charge-offs (x) | 31.8897% | 952 |
| Efficiency ratio | 63.9547% | 5,926 |
| Assets per employee ($millions) | 2.9806% | 6,188 |
| Cash dividends to net income (ytd only)* | 27.9443% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,198 |
| Loan loss allowance to noncurrent loans | 35.5690% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 2.5341% | 2,541 |
| Noncurrent loans to loans | 3.6902% | 1,884 |
| Net loans and leases to total assets | 59.3838% | 5,781 |
| Net loans and leases to deposits | 78.0803% | 4,858 |
| Net loans and leases to core deposits | 89.9807% | 5,538 |
| Total domestic deposits to total assets | 76.0548% | 6,536 |
| Equity capital to assets | 11.8656% | 2,283 |
| Core capital (leverage) ratio | 9.7474% | 3,575 |
| Tier 1 risk-based capital ratio | 14.2381% | 3,385 |
| Total risk-based capital ratio | 15.4277% | 3,355 |
| Memoranda: | ||
| Average total assets | $608,719,330 | 1,174 |
| Average earning assets | $537,860,000 | 1,202 |
| Average equity | $71,607,000 | 939 |
| Average total loans | $370,477,330 | 1,338 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1587% | 6,452 |
| Cost of funding earning assets | 1.7106% | 5,557 |
| Net interest margin | 3.4480% | 4,947 |
| Noninterest income to average assets | 1.3306% | 807 |
| Noninterest expense to average assets | 3.2069% | 2,960 |
| Loan and lease loss provision to assets | 0.1975% | 4,468 |
| Net operating income to assets | 0.7788% | 3,220 |
| Return on assets (ROA) | 0.7788% | 3,387 |
| Pretax return on assets | 0.9731% | 3,451 |
| Return on Equity (ROE) | 6.6498% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.6498% | 2,349 |
| Net charge-offs to loans | -0.1463% | 7,969 |
| Credit loss provision to net charge-offs | -220.5882% | 6,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4467% | 4,484 |
| Assets per employee ($millions) | 3.0445% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,081 |
| Loan loss allowance to noncurrent loans | 39.3297% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 2.1693% | 2,646 |
| Noncurrent loans to loans | 2.9389% | 2,220 |
| Net loans and leases to total assets | 59.8893% | 5,674 |
| Net loans and leases to deposits | 80.0878% | 4,596 |
| Net loans and leases to core deposits | 91.6469% | 5,383 |
| Total domestic deposits to total assets | 74.7796% | 6,749 |
| Equity capital to assets | 11.6638% | 2,470 |
| Core capital (leverage) ratio | 9.6157% | 3,856 |
| Tier 1 risk-based capital ratio | 14.0740% | 3,541 |
| Total risk-based capital ratio | 15.1338% | 3,577 |
| Memoranda: | ||
| Average total assets | $607,566,500 | 1,176 |
| Average earning assets | $536,884,500 | 1,210 |
| Average equity | $71,159,500 | 949 |
| Average total loans | $371,878,000 | 1,355 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9262% | 5,919 |
| Cost of funding earning assets | 2.3215% | 5,055 |
| Net interest margin | 3.6047% | 4,867 |
| Noninterest income to average assets | 1.1367% | 1,203 |
| Noninterest expense to average assets | 2.8443% | 4,628 |
| Loan and lease loss provision to assets | 0.3960% | 3,318 |
| Net operating income to assets | 0.9090% | 2,961 |
| Return on assets (ROA) | 0.9779% | 2,527 |
| Pretax return on assets | 1.1615% | 2,800 |
| Return on Equity (ROE) | 8.4300% | 2,877 |
| Retained earnings to average equity (ytd only) | 2.5687% | 3,592 |
| Net charge-offs to loans | 0.7095% | 1,741 |
| Credit loss provision to net charge-offs | 88.8560% | 5,704 |
| Earnings coverage of net charge-offs (x) | 3.3110% | 4,429 |
| Efficiency ratio | 62.8194% | 5,813 |
| Assets per employee ($millions) | 3.0776% | 5,841 |
| Cash dividends to net income (ytd only)* | 69.5293% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 5,690 |
| Loan loss allowance to noncurrent loans | 67.0303% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.2845% | 3,657 |
| Noncurrent loans to loans | 1.5561% | 3,459 |
| Net loans and leases to total assets | 61.1962% | 5,740 |
| Net loans and leases to deposits | 83.2070% | 4,547 |
| Net loans and leases to core deposits | 93.8286% | 5,462 |
| Total domestic deposits to total assets | 73.5470% | 6,729 |
| Equity capital to assets | 11.7619% | 2,459 |
| Core capital (leverage) ratio | 9.5700% | 3,914 |
| Tier 1 risk-based capital ratio | 13.8445% | 3,624 |
| Total risk-based capital ratio | 14.8038% | 3,690 |
| Memoranda: | ||
| Average total assets | $606,123,800 | 1,115 |
| Average earning assets | $535,219,200 | 1,151 |
| Average equity | $70,308,200 | 946 |
| Average total loans | $380,673,400 | 1,274 |