Home > Ledyard National Bank > Performance and Condition Ratios
Ledyard 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 | 4.0217% | 3,931 |
| Cost of funding earning assets | 1.4762% | 2,002 |
| Net interest margin | 2.5455% | 4,040 |
| Noninterest income to average assets | 1.8000% | 303 |
| Noninterest expense to average assets | 3.5253% | 564 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.5342% | 3,601 |
| Return on assets (ROA) | 0.5323% | 3,588 |
| Pretax return on assets | 0.5035% | 3,800 |
| Return on Equity (ROE) | 6.1600% | 3,487 |
| Retained earnings to average equity (ytd only) | 1.6973% | 3,654 |
| Net charge-offs to loans | -0.0132% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.6389% | 580 |
| Assets per employee ($millions) | 7.2383% | 1,909 |
| Cash dividends to net income (ytd only)* | 72.4463% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6638% | 4,166 |
| Loan loss allowance to noncurrent loans | 159.6783% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 2,204 |
| Noncurrent loans to loans | 0.4157% | 1,740 |
| Net loans and leases to total assets | 48.7100% | 3,684 |
| Net loans and leases to deposits | 62.6391% | 3,374 |
| Net loans and leases to core deposits | 77.6200% | 2,873 |
| Total domestic deposits to total assets | 77.7600% | 3,761 |
| Equity capital to assets | 8.0532% | 3,374 |
| Core capital (leverage) ratio | 10.0599% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2028% | 1,225 |
| Memoranda: | ||
| Average total assets | $777,953,800 | 1,206 |
| Average earning assets | $708,306,400 | 1,215 |
| Average equity | $67,224,400 | 1,289 |
| Average total loans | $380,223,800 | 1,522 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 4,026 |
| Cost of funding earning assets | 1.2322% | 2,326 |
| Net interest margin | 2.6491% | 3,948 |
| Noninterest income to average assets | 1.8400% | 312 |
| Noninterest expense to average assets | 3.6082% | 493 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.6671% | 3,396 |
| Return on assets (ROA) | 0.6651% | 3,386 |
| Pretax return on assets | 0.6395% | 3,662 |
| Return on Equity (ROE) | 7.5500% | 3,304 |
| Retained earnings to average equity (ytd only) | 3.0642% | 3,490 |
| Net charge-offs to loans | -0.0097% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.0646% | 559 |
| Assets per employee ($millions) | 6.9468% | 1,990 |
| Cash dividends to net income (ytd only)* | 59.4295% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 4,122 |
| Loan loss allowance to noncurrent loans | 252.9630% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 2,660 |
| Noncurrent loans to loans | 0.2805% | 2,232 |
| Net loans and leases to total assets | 47.8500% | 3,748 |
| Net loans and leases to deposits | 63.9616% | 3,271 |
| Net loans and leases to core deposits | 74.4269% | 2,967 |
| Total domestic deposits to total assets | 74.8100% | 4,101 |
| Equity capital to assets | 8.2855% | 2,862 |
| Core capital (leverage) ratio | 10.9197% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5388% | 1,013 |
| Memoranda: | ||
| Average total assets | $758,913,250 | 1,230 |
| Average earning assets | $688,933,250 | 1,246 |
| Average equity | $66,834,500 | 1,286 |
| Average total loans | $370,584,750 | 1,544 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 4,042 |
| Cost of funding earning assets | 0.9782% | 2,678 |
| Net interest margin | 2.8071% | 3,809 |
| Noninterest income to average assets | 1.8600% | 257 |
| Noninterest expense to average assets | 3.6361% | 464 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7296% | 3,275 |
| Return on assets (ROA) | 0.7296% | 3,281 |
| Pretax return on assets | 0.6988% | 3,606 |
| Return on Equity (ROE) | 8.1100% | 3,206 |
| Retained earnings to average equity (ytd only) | 3.6391% | 3,307 |
| Net charge-offs to loans | -0.0131% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.5870% | 678 |
| Assets per employee ($millions) | 6.6301% | 2,188 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 3,934 |
| Loan loss allowance to noncurrent loans | 277.7679% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 2,503 |
| Noncurrent loans to loans | 0.3012% | 2,053 |
| Net loans and leases to total assets | 49.2100% | 3,606 |
| Net loans and leases to deposits | 65.1596% | 3,116 |
| Net loans and leases to core deposits | 73.7776% | 2,909 |
| Total domestic deposits to total assets | 75.5300% | 4,082 |
| Equity capital to assets | 9.1254% | 2,427 |
| Core capital (leverage) ratio | 11.1480% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5404% | 877 |
| Memoranda: | ||
| Average total assets | $745,589,000 | 1,243 |
| Average earning assets | $676,141,000 | 1,258 |
| Average equity | $67,048,667 | 1,280 |
| Average total loans | $365,788,667 | 1,549 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 4,038 |
| Cost of funding earning assets | 0.6832% | 3,108 |
| Net interest margin | 3.0076% | 3,583 |
| Noninterest income to average assets | 1.8300% | 256 |
| Noninterest expense to average assets | 3.5672% | 499 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9320% | 2,749 |
| Return on assets (ROA) | 0.9320% | 2,704 |
| Pretax return on assets | 0.9739% | 3,072 |
| Return on Equity (ROE) | 10.4400% | 2,653 |
| Retained earnings to average equity (ytd only) | 5.9226% | 2,783 |
| Net charge-offs to loans | 0.0022% | 1,951 |
| Credit loss provision to net charge-offs | 1,750.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 916.0000% | 116 |
| Efficiency ratio | 78.3579% | 969 |
| Assets per employee ($millions) | 6.5964% | 2,266 |
| Cash dividends to net income (ytd only)* | 43.2776% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,116 |
| Loan loss allowance to noncurrent loans | 221.2898% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 2,294 |
| Noncurrent loans to loans | 0.3541% | 1,877 |
| Net loans and leases to total assets | 48.3800% | 3,603 |
| Net loans and leases to deposits | 68.1433% | 2,755 |
| Net loans and leases to core deposits | 70.9485% | 2,884 |
| Total domestic deposits to total assets | 71.0000% | 4,391 |
| Equity capital to assets | 9.0363% | 2,492 |
| Core capital (leverage) ratio | 11.2701% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9058% | 862 |
| Memoranda: | ||
| Average total assets | $743,785,000 | 1,258 |
| Average earning assets | $673,903,500 | 1,277 |
| Average equity | $66,389,500 | 1,298 |
| Average total loans | $362,778,000 | 1,572 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0310% | 4,096 |
| Cost of funding earning assets | 0.2181% | 3,611 |
| Net interest margin | 2.8129% | 3,869 |
| Noninterest income to average assets | 1.8900% | 269 |
| Noninterest expense to average assets | 3.4487% | 513 |
| Loan and lease loss provision to assets | -0.6300% | 4,701 |
| Net operating income to assets | 1.5688% | 744 |
| Return on assets (ROA) | 1.1909% | 1,745 |
| Pretax return on assets | 1.2585% | 2,243 |
| Return on Equity (ROE) | 14.5500% | 1,385 |
| Retained earnings to average equity (ytd only) | 11.0240% | 881 |
| Net charge-offs to loans | -0.0022% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.0718% | 916 |
| Assets per employee ($millions) | 6.5635% | 2,286 |
| Cash dividends to net income (ytd only)* | 24.2117% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 4,100 |
| Loan loss allowance to noncurrent loans | 186.7518% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,168 |
| Noncurrent loans to loans | 0.4107% | 1,697 |
| Net loans and leases to total assets | 48.4400% | 3,640 |
| Net loans and leases to deposits | 62.5285% | 3,153 |
| Net loans and leases to core deposits | 63.2118% | 3,316 |
| Total domestic deposits to total assets | 77.4700% | 4,129 |
| Equity capital to assets | 8.9111% | 2,413 |
| Core capital (leverage) ratio | 11.2951% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8494% | 848 |
| Memoranda: | ||
| Average total assets | $745,652,400 | 1,250 |
| Average earning assets | $684,882,600 | 1,251 |
| Average equity | $61,048,600 | 1,382 |
| Average total loans | $358,445,400 | 1,521 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9060% | 4,051 |
| Cost of funding earning assets | 0.1631% | 3,703 |
| Net interest margin | 2.7429% | 3,846 |
| Noninterest income to average assets | 1.9200% | 280 |
| Noninterest expense to average assets | 3.3432% | 560 |
| Loan and lease loss provision to assets | -0.1300% | 4,615 |
| Net operating income to assets | 1.1522% | 1,884 |
| Return on assets (ROA) | 1.1973% | 1,677 |
| Pretax return on assets | 1.2868% | 2,091 |
| Return on Equity (ROE) | 14.9500% | 1,187 |
| Retained earnings to average equity (ytd only) | 11.8304% | 830 |
| Net charge-offs to loans | -0.0004% | 3,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.1706% | 1,154 |
| Assets per employee ($millions) | 6.3861% | 2,415 |
| Cash dividends to net income (ytd only)* | 20.8799% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 603 |
| Loan loss allowance to noncurrent loans | 211.1879% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 1,247 |
| Noncurrent loans to loans | 0.9000% | 868 |
| Net loans and leases to total assets | 47.6400% | 3,660 |
| Net loans and leases to deposits | 60.7023% | 3,135 |
| Net loans and leases to core deposits | 61.2220% | 3,284 |
| Total domestic deposits to total assets | 78.4800% | 4,222 |
| Equity capital to assets | 8.2046% | 2,756 |
| Core capital (leverage) ratio | 11.0360% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9997% | 863 |
| Memoranda: | ||
| Average total assets | $746,647,250 | 1,259 |
| Average earning assets | $687,580,750 | 1,259 |
| Average equity | $59,788,000 | 1,423 |
| Average total loans | $357,542,500 | 1,515 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8146% | 3,950 |
| Cost of funding earning assets | 0.0977% | 4,213 |
| Net interest margin | 2.7169% | 3,669 |
| Noninterest income to average assets | 1.9512% | 239 |
| Noninterest expense to average assets | 3.2715% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0992% | 1,771 |
| Return on assets (ROA) | 1.1657% | 1,530 |
| Pretax return on assets | 1.2635% | 1,858 |
| Return on Equity (ROE) | 14.6739% | 964 |
| Retained earnings to average equity (ytd only) | 12.3330% | 556 |
| Net charge-offs to loans | 0.0011% | 2,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2,242.0000% | 41 |
| Efficiency ratio | 73.3079% | 1,586 |
| Assets per employee ($millions) | 7.1099% | 1,873 |
| Cash dividends to net income (ytd only)* | 15.9526% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1032% | 449 |
| Loan loss allowance to noncurrent loans | 281.5234% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 1,548 |
| Noncurrent loans to loans | 0.7471% | 1,149 |
| Net loans and leases to total assets | 47.4537% | 3,596 |
| Net loans and leases to deposits | 60.8706% | 2,985 |
| Net loans and leases to core deposits | 61.5294% | 3,154 |
| Total domestic deposits to total assets | 77.9583% | 4,353 |
| Equity capital to assets | 8.1097% | 3,034 |
| Core capital (leverage) ratio | 10.6404% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6076% | 907 |
| Memoranda: | ||
| Average total assets | $752,857,333 | 1,251 |
| Average earning assets | $695,935,000 | 1,256 |
| Average equity | $59,807,000 | 1,443 |
| Average total loans | $358,873,000 | 1,506 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7441% | 3,856 |
| Cost of funding earning assets | 0.0986% | 4,147 |
| Net interest margin | 2.6455% | 3,541 |
| Noninterest income to average assets | 1.9404% | 252 |
| Noninterest expense to average assets | 3.3646% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9565% | 2,048 |
| Return on assets (ROA) | 1.0876% | 1,554 |
| Pretax return on assets | 1.1788% | 1,882 |
| Return on Equity (ROE) | 13.8296% | 866 |
| Retained earnings to average equity (ytd only) | 9.1642% | 1,227 |
| Net charge-offs to loans | -0.0055% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4531% | 1,468 |
| Assets per employee ($millions) | 6.9496% | 2,027 |
| Cash dividends to net income (ytd only)* | 33.7349% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0821% | 537 |
| Loan loss allowance to noncurrent loans | 450.5124% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 2,328 |
| Noncurrent loans to loans | 0.4622% | 1,870 |
| Net loans and leases to total assets | 46.4001% | 3,545 |
| Net loans and leases to deposits | 51.1684% | 3,636 |
| Net loans and leases to core deposits | 57.6807% | 3,324 |
| Total domestic deposits to total assets | 90.6812% | 1,195 |
| Equity capital to assets | 6.5867% | 4,392 |
| Core capital (leverage) ratio | 8.3208% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1006% | 1,767 |
| Memoranda: | ||
| Average total assets | $763,127,000 | 1,239 |
| Average earning assets | $709,741,000 | 1,239 |
| Average equity | $60,016,000 | 1,484 |
| Average total loans | $360,820,500 | 1,491 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8770% | 4,093 |
| Cost of funding earning assets | 0.1515% | 3,956 |
| Net interest margin | 2.7255% | 3,829 |
| Noninterest income to average assets | 2.0597% | 304 |
| Noninterest expense to average assets | 3.4638% | 506 |
| Loan and lease loss provision to assets | -0.0627% | 4,415 |
| Net operating income to assets | 1.0971% | 2,302 |
| Return on assets (ROA) | 1.1183% | 2,281 |
| Pretax return on assets | 1.2274% | 2,578 |
| Return on Equity (ROE) | 12.0709% | 1,790 |
| Retained earnings to average equity (ytd only) | 11.5447% | 609 |
| Net charge-offs to loans | 0.0107% | 2,161 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,956 |
| Earnings coverage of net charge-offs (x) | 210.1282% | 520 |
| Efficiency ratio | 75.2162% | 1,186 |
| Assets per employee ($millions) | 7.1845% | 1,799 |
| Cash dividends to net income (ytd only)* | 4.3587% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0594% | 561 |
| Loan loss allowance to noncurrent loans | 523.0392% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 2,637 |
| Noncurrent loans to loans | 0.3937% | 2,182 |
| Net loans and leases to total assets | 46.2069% | 3,672 |
| Net loans and leases to deposits | 52.5088% | 3,702 |
| Net loans and leases to core deposits | 58.2663% | 3,450 |
| Total domestic deposits to total assets | 87.9984% | 2,049 |
| Equity capital to assets | 9.1236% | 3,486 |
| Core capital (leverage) ratio | 8.2435% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1736% | 1,790 |
| Memoranda: | ||
| Average total assets | $718,024,600 | 1,265 |
| Average earning assets | $670,583,600 | 1,259 |
| Average equity | $66,523,800 | 1,403 |
| Average total loans | $364,567,000 | 1,478 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9414% | 4,101 |
| Cost of funding earning assets | 0.1633% | 3,986 |
| Net interest margin | 2.7781% | 3,829 |
| Noninterest income to average assets | 2.0767% | 324 |
| Noninterest expense to average assets | 3.4409% | 505 |
| Loan and lease loss provision to assets | 0.0095% | 2,799 |
| Net operating income to assets | 1.0918% | 2,588 |
| Return on assets (ROA) | 1.1387% | 2,470 |
| Pretax return on assets | 1.2712% | 2,700 |
| Return on Equity (ROE) | 12.2398% | 1,963 |
| Retained earnings to average equity (ytd only) | 12.2398% | 790 |
| Net charge-offs to loans | -0.0252% | 4,065 |
| Credit loss provision to net charge-offs | -72.4638% | 3,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6904% | 1,240 |
| Assets per employee ($millions) | 6.6232% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 399 |
| Loan loss allowance to noncurrent loans | 619.4018% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 2,921 |
| Noncurrent loans to loans | 0.3697% | 2,458 |
| Net loans and leases to total assets | 47.3064% | 3,687 |
| Net loans and leases to deposits | 53.9565% | 3,743 |
| Net loans and leases to core deposits | 61.3950% | 3,373 |
| Total domestic deposits to total assets | 87.6751% | 2,019 |
| Equity capital to assets | 9.5191% | 3,347 |
| Core capital (leverage) ratio | 8.5226% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2756% | 1,547 |
| Memoranda: | ||
| Average total assets | $705,344,500 | 1,299 |
| Average earning assets | $658,263,750 | 1,290 |
| Average equity | $65,620,500 | 1,432 |
| Average total loans | $365,038,250 | 1,502 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9613% | 4,113 |
| Cost of funding earning assets | 0.1740% | 4,003 |
| Net interest margin | 2.7873% | 3,809 |
| Noninterest income to average assets | 2.0825% | 312 |
| Noninterest expense to average assets | 3.4541% | 501 |
| Loan and lease loss provision to assets | 0.0143% | 2,666 |
| Net operating income to assets | 1.0827% | 2,598 |
| Return on assets (ROA) | 1.1531% | 2,413 |
| Pretax return on assets | 1.2933% | 2,650 |
| Return on Equity (ROE) | 12.4951% | 1,880 |
| Retained earnings to average equity (ytd only) | 12.4951% | 812 |
| Net charge-offs to loans | -0.0173% | 3,922 |
| Credit loss provision to net charge-offs | -156.2500% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7648% | 1,262 |
| Assets per employee ($millions) | 6.5597% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2161% | 413 |
| Loan loss allowance to noncurrent loans | 651.5397% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 3,114 |
| Noncurrent loans to loans | 0.3401% | 2,692 |
| Net loans and leases to total assets | 49.6150% | 3,592 |
| Net loans and leases to deposits | 56.6589% | 3,672 |
| Net loans and leases to core deposits | 64.6486% | 3,228 |
| Total domestic deposits to total assets | 87.5679% | 2,062 |
| Equity capital to assets | 9.4796% | 3,350 |
| Core capital (leverage) ratio | 8.3176% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5409% | 1,458 |
| Memoranda: | ||
| Average total assets | $697,610,333 | 1,305 |
| Average earning assets | $650,727,333 | 1,300 |
| Average equity | $64,377,000 | 1,442 |
| Average total loans | $369,142,333 | 1,486 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9609% | 4,163 |
| Cost of funding earning assets | 0.1918% | 3,992 |
| Net interest margin | 2.7690% | 3,832 |
| Noninterest income to average assets | 2.0217% | 369 |
| Noninterest expense to average assets | 3.5912% | 418 |
| Loan and lease loss provision to assets | 0.0290% | 2,404 |
| Net operating income to assets | 0.9119% | 3,100 |
| Return on assets (ROA) | 1.0782% | 2,628 |
| Pretax return on assets | 1.1618% | 2,947 |
| Return on Equity (ROE) | 11.8515% | 2,072 |
| Retained earnings to average equity (ytd only) | 11.8515% | 1,187 |
| Net charge-offs to loans | -0.0322% | 4,207 |
| Credit loss provision to net charge-offs | -166.6667% | 2,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0146% | 953 |
| Assets per employee ($millions) | 6.4294% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1566% | 457 |
| Loan loss allowance to noncurrent loans | 560.9211% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 3,121 |
| Noncurrent loans to loans | 0.3845% | 2,717 |
| Net loans and leases to total assets | 52.5192% | 3,393 |
| Net loans and leases to deposits | 60.3831% | 3,452 |
| Net loans and leases to core deposits | 69.0595% | 2,962 |
| Total domestic deposits to total assets | 86.9767% | 2,318 |
| Equity capital to assets | 9.0082% | 3,674 |
| Core capital (leverage) ratio | 8.3237% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9249% | 1,589 |
| Memoranda: | ||
| Average total assets | $688,910,500 | 1,302 |
| Average earning assets | $642,246,000 | 1,302 |
| Average equity | $62,675,500 | 1,460 |
| Average total loans | $372,317,500 | 1,483 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2651% | 4,372 |
| Cost of funding earning assets | 0.2804% | 4,243 |
| Net interest margin | 2.9847% | 3,921 |
| Noninterest income to average assets | 2.2363% | 289 |
| Noninterest expense to average assets | 3.5539% | 643 |
| Loan and lease loss provision to assets | 0.4462% | 629 |
| Net operating income to assets | 0.9205% | 2,610 |
| Return on assets (ROA) | 1.1381% | 1,896 |
| Pretax return on assets | 1.2435% | 2,178 |
| Return on Equity (ROE) | 12.2054% | 1,266 |
| Retained earnings to average equity (ytd only) | 10.3443% | 522 |
| Net charge-offs to loans | -0.0128% | 4,317 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9764% | 1,814 |
| Assets per employee ($millions) | 6.2701% | 2,101 |
| Cash dividends to net income (ytd only)* | 15.2483% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 456 |
| Loan loss allowance to noncurrent loans | 541.7291% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,219 |
| Noncurrent loans to loans | 0.3950% | 2,796 |
| Net loans and leases to total assets | 53.2534% | 3,554 |
| Net loans and leases to deposits | 61.4415% | 3,646 |
| Net loans and leases to core deposits | 70.4080% | 3,230 |
| Total domestic deposits to total assets | 86.6734% | 2,086 |
| Equity capital to assets | 9.1887% | 3,899 |
| Core capital (leverage) ratio | 8.4070% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9693% | 1,539 |
| Memoranda: | ||
| Average total assets | $605,059,200 | 1,319 |
| Average earning assets | $561,705,800 | 1,317 |
| Average equity | $56,417,800 | 1,520 |
| Average total loans | $352,007,000 | 1,500 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 4,418 |
| Cost of funding earning assets | 0.3041% | 4,297 |
| Net interest margin | 3.0415% | 3,883 |
| Noninterest income to average assets | 2.2833% | 277 |
| Noninterest expense to average assets | 3.5244% | 684 |
| Loan and lease loss provision to assets | 0.5580% | 482 |
| Net operating income to assets | 0.9065% | 2,672 |
| Return on assets (ROA) | 1.1580% | 1,907 |
| Pretax return on assets | 1.2992% | 2,049 |
| Return on Equity (ROE) | 12.3669% | 1,283 |
| Retained earnings to average equity (ytd only) | 9.8133% | 801 |
| Net charge-offs to loans | 0.0526% | 1,851 |
| Credit loss provision to net charge-offs | 1,788.3212% | 533 |
| Earnings coverage of net charge-offs (x) | 50.4672% | 1,189 |
| Efficiency ratio | 69.1201% | 2,019 |
| Assets per employee ($millions) | 6.0913% | 2,187 |
| Cash dividends to net income (ytd only)* | 20.6490% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 472 |
| Loan loss allowance to noncurrent loans | 496.7657% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 3,283 |
| Noncurrent loans to loans | 0.4081% | 2,831 |
| Net loans and leases to total assets | 55.7983% | 3,643 |
| Net loans and leases to deposits | 65.7005% | 3,641 |
| Net loans and leases to core deposits | 78.3466% | 2,979 |
| Total domestic deposits to total assets | 84.9283% | 2,475 |
| Equity capital to assets | 8.9777% | 4,137 |
| Core capital (leverage) ratio | 8.2717% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9566% | 1,513 |
| Memoranda: | ||
| Average total assets | $585,462,750 | 1,339 |
| Average earning assets | $541,994,250 | 1,343 |
| Average equity | $54,822,250 | 1,555 |
| Average total loans | $347,029,750 | 1,509 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4557% | 4,472 |
| Cost of funding earning assets | 0.3333% | 4,348 |
| Net interest margin | 3.1225% | 3,857 |
| Noninterest income to average assets | 2.3491% | 242 |
| Noninterest expense to average assets | 3.6630% | 602 |
| Loan and lease loss provision to assets | 0.5148% | 675 |
| Net operating income to assets | 0.9623% | 2,449 |
| Return on assets (ROA) | 1.1833% | 1,821 |
| Pretax return on assets | 1.2944% | 2,046 |
| Return on Equity (ROE) | 12.4385% | 1,232 |
| Retained earnings to average equity (ytd only) | 8.5200% | 1,153 |
| Net charge-offs to loans | 0.0979% | 1,290 |
| Credit loss provision to net charge-offs | 873.4940% | 864 |
| Earnings coverage of net charge-offs (x) | 26.5783% | 1,519 |
| Efficiency ratio | 70.0475% | 1,949 |
| Assets per employee ($millions) | 5.6227% | 2,524 |
| Cash dividends to net income (ytd only)* | 31.5032% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 641 |
| Loan loss allowance to noncurrent loans | 406.3164% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,289 |
| Noncurrent loans to loans | 0.4453% | 2,821 |
| Net loans and leases to total assets | 56.4962% | 3,646 |
| Net loans and leases to deposits | 77.9741% | 2,656 |
| Net loans and leases to core deposits | 79.5671% | 2,980 |
| Total domestic deposits to total assets | 72.4550% | 4,687 |
| Equity capital to assets | 9.0396% | 4,060 |
| Core capital (leverage) ratio | 8.3457% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7506% | 1,557 |
| Memoranda: | ||
| Average total assets | $563,359,667 | 1,365 |
| Average earning assets | $519,656,000 | 1,375 |
| Average equity | $53,591,667 | 1,569 |
| Average total loans | $338,971,667 | 1,513 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5107% | 4,621 |
| Cost of funding earning assets | 0.3739% | 4,450 |
| Net interest margin | 3.1368% | 4,021 |
| Noninterest income to average assets | 2.4939% | 199 |
| Noninterest expense to average assets | 3.8478% | 587 |
| Loan and lease loss provision to assets | 0.1876% | 1,593 |
| Net operating income to assets | 1.1665% | 1,637 |
| Return on assets (ROA) | 1.2436% | 1,496 |
| Pretax return on assets | 1.4304% | 1,481 |
| Return on Equity (ROE) | 12.7025% | 937 |
| Retained earnings to average equity (ytd only) | 7.3364% | 1,432 |
| Net charge-offs to loans | -0.0073% | 3,967 |
| Credit loss provision to net charge-offs | -4,166.6667% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5562% | 2,153 |
| Assets per employee ($millions) | 5.1048% | 2,535 |
| Cash dividends to net income (ytd only)* | 42.2450% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 962 |
| Loan loss allowance to noncurrent loans | 474.7396% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 3,670 |
| Noncurrent loans to loans | 0.3468% | 3,245 |
| Net loans and leases to total assets | 57.6664% | 3,699 |
| Net loans and leases to deposits | 82.0176% | 2,451 |
| Net loans and leases to core deposits | 83.6904% | 2,876 |
| Total domestic deposits to total assets | 70.3097% | 4,843 |
| Equity capital to assets | 9.4254% | 4,293 |
| Core capital (leverage) ratio | 9.7210% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3541% | 1,799 |
| Memoranda: | ||
| Average total assets | $532,980,500 | 1,390 |
| Average earning assets | $489,931,500 | 1,405 |
| Average equity | $52,178,500 | 1,591 |
| Average total loans | $328,907,500 | 1,528 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 4,411 |
| Cost of funding earning assets | 0.3998% | 4,441 |
| Net interest margin | 3.5125% | 3,412 |
| Noninterest income to average assets | 2.5184% | 200 |
| Noninterest expense to average assets | 4.3485% | 353 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1950% | 2,078 |
| Return on assets (ROA) | 1.1882% | 2,199 |
| Pretax return on assets | 1.3726% | 2,260 |
| Return on Equity (ROE) | 12.3956% | 1,363 |
| Retained earnings to average equity (ytd only) | 6.5624% | 1,582 |
| Net charge-offs to loans | 0.0009% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2,304.0000% | 26 |
| Efficiency ratio | 75.9055% | 1,383 |
| Assets per employee ($millions) | 4.4985% | 3,220 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 973 |
| Loan loss allowance to noncurrent loans | 450.9516% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 3,505 |
| Noncurrent loans to loans | 0.3550% | 3,175 |
| Net loans and leases to total assets | 64.1614% | 3,177 |
| Net loans and leases to deposits | 80.7414% | 2,692 |
| Net loans and leases to core deposits | 82.1421% | 3,110 |
| Total domestic deposits to total assets | 79.4653% | 4,083 |
| Equity capital to assets | 10.2037% | 3,728 |
| Core capital (leverage) ratio | 9.7640% | 3,773 |
| Tier 1 risk-based capital ratio | 14.6758% | 2,919 |
| Total risk-based capital ratio | 15.9304% | 2,826 |
| Memoranda: | ||
| Average total assets | $500,745,600 | 1,425 |
| Average earning assets | $457,675,800 | 1,437 |
| Average equity | $48,001,000 | 1,659 |
| Average total loans | $317,411,800 | 1,533 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 4,483 |
| Cost of funding earning assets | 0.3979% | 4,512 |
| Net interest margin | 3.5380% | 3,443 |
| Noninterest income to average assets | 2.4843% | 204 |
| Noninterest expense to average assets | 4.3011% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2215% | 2,121 |
| Return on assets (ROA) | 1.2112% | 2,231 |
| Pretax return on assets | 1.4030% | 2,301 |
| Return on Equity (ROE) | 12.8411% | 1,343 |
| Retained earnings to average equity (ytd only) | 6.9170% | 1,903 |
| Net charge-offs to loans | 0.0008% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2,655.6142% | 24 |
| Efficiency ratio | 75.2455% | 1,423 |
| Assets per employee ($millions) | 4.5443% | 3,131 |
| Cash dividends to net income (ytd only)* | 46.1336% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 885 |
| Loan loss allowance to noncurrent loans | 329.1667% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 3,289 |
| Noncurrent loans to loans | 0.5036% | 2,786 |
| Net loans and leases to total assets | 61.3222% | 3,557 |
| Net loans and leases to deposits | 79.5624% | 2,948 |
| Net loans and leases to core deposits | 80.4529% | 3,358 |
| Total domestic deposits to total assets | 77.0743% | 4,508 |
| Equity capital to assets | 9.8838% | 4,131 |
| Core capital (leverage) ratio | 9.5011% | 4,163 |
| Tier 1 risk-based capital ratio | 14.7848% | 2,962 |
| Total risk-based capital ratio | 16.0395% | 2,884 |
| Memoranda: | ||
| Average total assets | $501,099,250 | 1,430 |
| Average earning assets | $457,721,500 | 1,447 |
| Average equity | $47,263,750 | 1,679 |
| Average total loans | $315,367,000 | 1,553 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 4,505 |
| Cost of funding earning assets | 0.3709% | 4,616 |
| Net interest margin | 3.5639% | 3,386 |
| Noninterest income to average assets | 2.4520% | 202 |
| Noninterest expense to average assets | 4.3169% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1917% | 2,179 |
| Return on assets (ROA) | 1.1760% | 2,313 |
| Pretax return on assets | 1.3760% | 2,284 |
| Return on Equity (ROE) | 12.6725% | 1,346 |
| Retained earnings to average equity (ytd only) | 6.6380% | 1,984 |
| Net charge-offs to loans | -0.0298% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5848% | 1,450 |
| Assets per employee ($millions) | 4.5350% | 3,080 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 932 |
| Loan loss allowance to noncurrent loans | 241.3761% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 2,814 |
| Noncurrent loans to loans | 0.6822% | 2,272 |
| Net loans and leases to total assets | 61.3275% | 3,620 |
| Net loans and leases to deposits | 79.1884% | 3,038 |
| Net loans and leases to core deposits | 79.9617% | 3,424 |
| Total domestic deposits to total assets | 77.4451% | 4,492 |
| Equity capital to assets | 9.4944% | 4,407 |
| Core capital (leverage) ratio | 9.4026% | 4,244 |
| Tier 1 risk-based capital ratio | 14.2980% | 3,163 |
| Total risk-based capital ratio | 15.5528% | 3,083 |
| Memoranda: | ||
| Average total assets | $499,992,000 | 1,430 |
| Average earning assets | $457,253,330 | 1,452 |
| Average equity | $46,399,670 | 1,701 |
| Average total loans | $315,644,000 | 1,561 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 4,499 |
| Cost of funding earning assets | 0.3230% | 4,768 |
| Net interest margin | 3.6095% | 3,217 |
| Noninterest income to average assets | 2.3890% | 196 |
| Noninterest expense to average assets | 4.4273% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1158% | 2,408 |
| Return on assets (ROA) | 1.0823% | 2,581 |
| Pretax return on assets | 1.2281% | 2,703 |
| Return on Equity (ROE) | 11.8042% | 1,608 |
| Retained earnings to average equity (ytd only) | 5.6194% | 2,625 |
| Net charge-offs to loans | -0.0383% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7604% | 1,297 |
| Assets per employee ($millions) | 4.4209% | 3,299 |
| Cash dividends to net income (ytd only)* | 52.3952% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 941 |
| Loan loss allowance to noncurrent loans | 211.7885% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 2,630 |
| Noncurrent loans to loans | 0.7836% | 2,076 |
| Net loans and leases to total assets | 62.2283% | 3,479 |
| Net loans and leases to deposits | 76.8298% | 3,183 |
| Net loans and leases to core deposits | 77.5663% | 3,554 |
| Total domestic deposits to total assets | 80.9951% | 3,971 |
| Equity capital to assets | 9.2537% | 4,478 |
| Core capital (leverage) ratio | 9.3557% | 4,311 |
| Tier 1 risk-based capital ratio | 14.0011% | 3,335 |
| Total risk-based capital ratio | 15.2558% | 3,254 |
| Memoranda: | ||
| Average total assets | $493,758,000 | 1,455 |
| Average earning assets | $452,025,500 | 1,473 |
| Average equity | $45,272,000 | 1,725 |
| Average total loans | $313,695,500 | 1,577 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 4,579 |
| Cost of funding earning assets | 0.2624% | 4,742 |
| Net interest margin | 3.4924% | 3,727 |
| Noninterest income to average assets | 2.5031% | 197 |
| Noninterest expense to average assets | 4.4723% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0947% | 2,621 |
| Return on assets (ROA) | 1.0947% | 2,619 |
| Pretax return on assets | 1.2551% | 2,677 |
| Return on Equity (ROE) | 12.2238% | 1,640 |
| Retained earnings to average equity (ytd only) | 6.4481% | 1,953 |
| Net charge-offs to loans | 0.0961% | 1,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.6327% | 1,982 |
| Efficiency ratio | 78.0861% | 1,121 |
| Assets per employee ($millions) | 4.2065% | 3,608 |
| Cash dividends to net income (ytd only)* | 47.2500% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 875 |
| Loan loss allowance to noncurrent loans | 152.7086% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 1,979 |
| Noncurrent loans to loans | 1.0971% | 1,477 |
| Net loans and leases to total assets | 62.7233% | 3,491 |
| Net loans and leases to deposits | 74.1226% | 3,492 |
| Net loans and leases to core deposits | 74.9582% | 3,789 |
| Total domestic deposits to total assets | 84.6210% | 2,790 |
| Equity capital to assets | 9.0821% | 4,506 |
| Core capital (leverage) ratio | 9.1947% | 4,466 |
| Tier 1 risk-based capital ratio | 14.1511% | 3,215 |
| Total risk-based capital ratio | 15.4063% | 3,148 |
| Memoranda: | ||
| Average total assets | $483,311,400 | 1,448 |
| Average earning assets | $446,192,400 | 1,464 |
| Average equity | $43,284,400 | 1,730 |
| Average total loans | $305,926,200 | 1,573 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6891% | 4,670 |
| Cost of funding earning assets | 0.2486% | 4,792 |
| Net interest margin | 3.4405% | 3,894 |
| Noninterest income to average assets | 2.5115% | 206 |
| Noninterest expense to average assets | 4.4143% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1119% | 2,612 |
| Return on assets (ROA) | 1.1119% | 2,624 |
| Pretax return on assets | 1.2779% | 2,699 |
| Return on Equity (ROE) | 12.4602% | 1,616 |
| Retained earnings to average equity (ytd only) | 6.8824% | 2,190 |
| Net charge-offs to loans | 0.1318% | 1,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 15.3523% | 2,231 |
| Efficiency ratio | 77.5505% | 1,167 |
| Assets per employee ($millions) | 4.3812% | 3,304 |
| Cash dividends to net income (ytd only)* | 44.7650% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 932 |
| Loan loss allowance to noncurrent loans | 143.5106% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 2,024 |
| Noncurrent loans to loans | 1.1624% | 1,449 |
| Net loans and leases to total assets | 62.0071% | 3,657 |
| Net loans and leases to deposits | 73.7496% | 3,614 |
| Net loans and leases to core deposits | 74.6649% | 3,898 |
| Total domestic deposits to total assets | 84.0779% | 2,916 |
| Equity capital to assets | 8.7596% | 4,753 |
| Core capital (leverage) ratio | 9.1858% | 4,525 |
| Tier 1 risk-based capital ratio | 13.8196% | 3,456 |
| Total risk-based capital ratio | 15.0744% | 3,365 |
| Memoranda: | ||
| Average total assets | $482,151,500 | 1,457 |
| Average earning assets | $445,738,500 | 1,464 |
| Average equity | $43,026,500 | 1,738 |
| Average total loans | $304,589,250 | 1,588 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 4,686 |
| Cost of funding earning assets | 0.2169% | 4,936 |
| Net interest margin | 3.4311% | 3,859 |
| Noninterest income to average assets | 2.5322% | 208 |
| Noninterest expense to average assets | 4.4559% | 308 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0928% | 2,612 |
| Return on assets (ROA) | 1.0928% | 2,619 |
| Pretax return on assets | 1.2485% | 2,732 |
| Return on Equity (ROE) | 12.1688% | 1,666 |
| Retained earnings to average equity (ytd only) | 6.5761% | 2,267 |
| Net charge-offs to loans | 0.2059% | 770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.5916% | 2,381 |
| Efficiency ratio | 78.1128% | 1,188 |
| Assets per employee ($millions) | 4.0730% | 3,773 |
| Cash dividends to net income (ytd only)* | 45.9594% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 898 |
| Loan loss allowance to noncurrent loans | 311.4440% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 3,376 |
| Noncurrent loans to loans | 0.5475% | 2,776 |
| Net loans and leases to total assets | 61.8250% | 3,623 |
| Net loans and leases to deposits | 74.2581% | 3,509 |
| Net loans and leases to core deposits | 75.4196% | 3,783 |
| Total domestic deposits to total assets | 83.2570% | 3,340 |
| Equity capital to assets | 8.8972% | 4,645 |
| Core capital (leverage) ratio | 9.1976% | 4,467 |
| Tier 1 risk-based capital ratio | 13.8207% | 3,451 |
| Total risk-based capital ratio | 15.0759% | 3,359 |
| Memoranda: | ||
| Average total assets | $477,842,330 | 1,474 |
| Average earning assets | $441,777,000 | 1,485 |
| Average equity | $42,913,000 | 1,747 |
| Average total loans | $302,055,000 | 1,597 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,604 |
| Cost of funding earning assets | 0.2080% | 4,969 |
| Net interest margin | 3.4392% | 3,741 |
| Noninterest income to average assets | 2.4721% | 199 |
| Noninterest expense to average assets | 4.4880% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0379% | 2,696 |
| Return on assets (ROA) | 1.0379% | 2,714 |
| Pretax return on assets | 1.1627% | 2,921 |
| Return on Equity (ROE) | 11.5027% | 1,766 |
| Retained earnings to average equity (ytd only) | 5.8962% | 2,760 |
| Net charge-offs to loans | -0.0093% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4241% | 1,207 |
| Assets per employee ($millions) | 4.0369% | 3,915 |
| Cash dividends to net income (ytd only)* | 48.7409% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 727 |
| Loan loss allowance to noncurrent loans | 287.7413% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 3,199 |
| Noncurrent loans to loans | 0.6375% | 2,630 |
| Net loans and leases to total assets | 62.4956% | 3,488 |
| Net loans and leases to deposits | 73.0304% | 3,513 |
| Net loans and leases to core deposits | 74.3151% | 3,794 |
| Total domestic deposits to total assets | 85.5748% | 2,719 |
| Equity capital to assets | 8.9755% | 4,584 |
| Core capital (leverage) ratio | 9.0794% | 4,590 |
| Tier 1 risk-based capital ratio | 13.5619% | 3,622 |
| Total risk-based capital ratio | 14.8184% | 3,529 |
| Memoranda: | ||
| Average total assets | $474,417,500 | 1,494 |
| Average earning assets | $438,479,000 | 1,503 |
| Average equity | $42,807,500 | 1,761 |
| Average total loans | $300,653,000 | 1,597 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 4,819 |
| Cost of funding earning assets | 0.2282% | 4,737 |
| Net interest margin | 3.2472% | 4,317 |
| Noninterest income to average assets | 2.2444% | 250 |
| Noninterest expense to average assets | 4.1537% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7767% | 3,269 |
| Return on assets (ROA) | 0.7825% | 3,278 |
| Pretax return on assets | 1.1053% | 3,166 |
| Return on Equity (ROE) | 8.8902% | 2,362 |
| Retained earnings to average equity (ytd only) | 3.2367% | 3,354 |
| Net charge-offs to loans | 0.0642% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 27.8526% | 1,622 |
| Efficiency ratio | 79.1045% | 1,207 |
| Assets per employee ($millions) | 4.2152% | 3,630 |
| Cash dividends to net income (ytd only)* | 63.5930% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 735 |
| Loan loss allowance to noncurrent loans | 266.0550% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 3,128 |
| Noncurrent loans to loans | 0.6889% | 2,496 |
| Net loans and leases to total assets | 61.9552% | 3,631 |
| Net loans and leases to deposits | 72.9571% | 3,602 |
| Net loans and leases to core deposits | 75.2017% | 3,802 |
| Total domestic deposits to total assets | 84.9201% | 2,869 |
| Equity capital to assets | 9.0644% | 4,652 |
| Core capital (leverage) ratio | 8.7567% | 4,893 |
| Tier 1 risk-based capital ratio | 13.3922% | 3,694 |
| Total risk-based capital ratio | 14.6486% | 3,596 |
| Memoranda: | ||
| Average total assets | $482,313,400 | 1,448 |
| Average earning assets | $446,566,400 | 1,445 |
| Average equity | $42,451,000 | 1,751 |
| Average total loans | $295,794,000 | 1,584 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 4,896 |
| Cost of funding earning assets | 0.2333% | 4,720 |
| Net interest margin | 3.2131% | 4,417 |
| Noninterest income to average assets | 2.1991% | 276 |
| Noninterest expense to average assets | 4.0844% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9063% | 2,999 |
| Return on assets (ROA) | 0.9152% | 3,007 |
| Pretax return on assets | 1.1015% | 3,294 |
| Return on Equity (ROE) | 10.4753% | 1,916 |
| Retained earnings to average equity (ytd only) | 4.7976% | 3,021 |
| Net charge-offs to loans | 0.0824% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.7473% | 1,898 |
| Efficiency ratio | 78.9233% | 1,221 |
| Assets per employee ($millions) | 4.1937% | 3,664 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 717 |
| Loan loss allowance to noncurrent loans | 319.0173% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,593 |
| Noncurrent loans to loans | 0.5920% | 2,932 |
| Net loans and leases to total assets | 59.4526% | 3,927 |
| Net loans and leases to deposits | 70.4136% | 3,928 |
| Net loans and leases to core deposits | 73.6094% | 4,010 |
| Total domestic deposits to total assets | 84.4335% | 2,948 |
| Equity capital to assets | 9.1196% | 4,808 |
| Core capital (leverage) ratio | 8.8554% | 4,919 |
| Tier 1 risk-based capital ratio | 13.7452% | 3,553 |
| Total risk-based capital ratio | 15.0023% | 3,488 |
| Memoranda: | ||
| Average total assets | $483,813,000 | 1,458 |
| Average earning assets | $448,108,000 | 1,451 |
| Average equity | $42,270,000 | 1,772 |
| Average total loans | $294,589,500 | 1,603 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4135% | 4,953 |
| Cost of funding earning assets | 0.2362% | 4,673 |
| Net interest margin | 3.1773% | 4,481 |
| Noninterest income to average assets | 2.1647% | 289 |
| Noninterest expense to average assets | 4.0436% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8855% | 2,989 |
| Return on assets (ROA) | 0.8986% | 2,977 |
| Pretax return on assets | 1.0807% | 3,261 |
| Return on Equity (ROE) | 10.4366% | 1,867 |
| Retained earnings to average equity (ytd only) | 4.6811% | 2,926 |
| Net charge-offs to loans | 0.1476% | 1,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.8303% | 2,238 |
| Efficiency ratio | 79.1529% | 1,317 |
| Assets per employee ($millions) | 4.2978% | 3,437 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 784 |
| Loan loss allowance to noncurrent loans | 239.0148% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 3,257 |
| Noncurrent loans to loans | 0.7762% | 2,465 |
| Net loans and leases to total assets | 58.6877% | 3,955 |
| Net loans and leases to deposits | 71.9020% | 3,754 |
| Net loans and leases to core deposits | 74.6677% | 3,886 |
| Total domestic deposits to total assets | 81.6218% | 4,008 |
| Equity capital to assets | 8.8007% | 5,069 |
| Core capital (leverage) ratio | 8.6638% | 5,074 |
| Tier 1 risk-based capital ratio | 13.1767% | 3,901 |
| Total risk-based capital ratio | 14.4327% | 3,794 |
| Memoranda: | ||
| Average total assets | $484,324,670 | 1,461 |
| Average earning assets | $448,749,000 | 1,455 |
| Average equity | $41,699,330 | 1,796 |
| Average total loans | $295,370,670 | 1,599 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4064% | 4,913 |
| Cost of funding earning assets | 0.2355% | 4,676 |
| Net interest margin | 3.1709% | 4,433 |
| Noninterest income to average assets | 2.0761% | 299 |
| Noninterest expense to average assets | 3.9669% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8561% | 2,964 |
| Return on assets (ROA) | 0.8561% | 3,008 |
| Pretax return on assets | 1.0414% | 3,195 |
| Return on Equity (ROE) | 10.0587% | 1,942 |
| Retained earnings to average equity (ytd only) | 4.1764% | 3,369 |
| Net charge-offs to loans | 0.1680% | 970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.0645% | 1,960 |
| Efficiency ratio | 79.2069% | 1,463 |
| Assets per employee ($millions) | 4.3883% | 3,353 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8855% | 804 |
| Loan loss allowance to noncurrent loans | 236.7304% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 3,273 |
| Noncurrent loans to loans | 0.7965% | 2,467 |
| Net loans and leases to total assets | 60.0990% | 3,777 |
| Net loans and leases to deposits | 73.6860% | 3,432 |
| Net loans and leases to core deposits | 76.1842% | 3,636 |
| Total domestic deposits to total assets | 81.5610% | 4,284 |
| Equity capital to assets | 8.5601% | 5,195 |
| Core capital (leverage) ratio | 8.6915% | 5,056 |
| Tier 1 risk-based capital ratio | 12.7857% | 4,206 |
| Total risk-based capital ratio | 14.0419% | 4,100 |
| Memoranda: | ||
| Average total assets | $479,365,500 | 1,474 |
| Average earning assets | $443,283,500 | 1,473 |
| Average equity | $40,800,500 | 1,832 |
| Average total loans | $295,284,500 | 1,606 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2971% | 5,161 |
| Cost of funding earning assets | 0.2037% | 4,981 |
| Net interest margin | 3.0934% | 4,745 |
| Noninterest income to average assets | 2.1417% | 312 |
| Noninterest expense to average assets | 3.9750% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8342% | 3,131 |
| Return on assets (ROA) | 0.9131% | 2,865 |
| Pretax return on assets | 1.1309% | 2,964 |
| Return on Equity (ROE) | 10.1362% | 1,904 |
| Retained earnings to average equity (ytd only) | 4.3743% | 2,794 |
| Net charge-offs to loans | 0.0021% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 796.5000% | 96 |
| Efficiency ratio | 79.3644% | 1,502 |
| Assets per employee ($millions) | 4.3274% | 3,400 |
| Cash dividends to net income (ytd only)* | 56.8451% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9329% | 753 |
| Loan loss allowance to noncurrent loans | 213.4032% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 3,049 |
| Noncurrent loans to loans | 0.9058% | 2,285 |
| Net loans and leases to total assets | 60.7515% | 3,768 |
| Net loans and leases to deposits | 71.5459% | 3,754 |
| Net loans and leases to core deposits | 73.8108% | 3,938 |
| Total domestic deposits to total assets | 84.9127% | 3,090 |
| Equity capital to assets | 8.4619% | 5,302 |
| Core capital (leverage) ratio | 8.7823% | 4,987 |
| Tier 1 risk-based capital ratio | 12.1468% | 4,624 |
| Total risk-based capital ratio | 13.4026% | 4,494 |
| Memoranda: | ||
| Average total assets | $462,392,200 | 1,476 |
| Average earning assets | $428,525,200 | 1,478 |
| Average equity | $41,652,600 | 1,779 |
| Average total loans | $282,278,000 | 1,610 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2832% | 5,238 |
| Cost of funding earning assets | 0.2038% | 5,034 |
| Net interest margin | 3.0793% | 4,828 |
| Noninterest income to average assets | 2.1540% | 318 |
| Noninterest expense to average assets | 3.9591% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8460% | 3,175 |
| Return on assets (ROA) | 0.9333% | 2,858 |
| Pretax return on assets | 1.1608% | 2,997 |
| Return on Equity (ROE) | 10.2008% | 1,974 |
| Retained earnings to average equity (ytd only) | 4.4860% | 3,148 |
| Net charge-offs to loans | 0.0038% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 452.3477% | 195 |
| Efficiency ratio | 79.0133% | 1,555 |
| Assets per employee ($millions) | 4.3569% | 3,321 |
| Cash dividends to net income (ytd only)* | 56.0224% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 746 |
| Loan loss allowance to noncurrent loans | 250.3076% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 3,502 |
| Noncurrent loans to loans | 0.7925% | 2,690 |
| Net loans and leases to total assets | 59.8225% | 3,900 |
| Net loans and leases to deposits | 71.3064% | 3,857 |
| Net loans and leases to core deposits | 73.8571% | 4,014 |
| Total domestic deposits to total assets | 83.8950% | 3,240 |
| Equity capital to assets | 9.1091% | 5,059 |
| Core capital (leverage) ratio | 8.7244% | 5,132 |
| Tier 1 risk-based capital ratio | 12.4178% | 4,524 |
| Total risk-based capital ratio | 13.6743% | 4,420 |
| Memoranda: | ||
| Average total assets | $458,986,250 | 1,489 |
| Average earning assets | $425,799,500 | 1,483 |
| Average equity | $41,995,750 | 1,768 |
| Average total loans | $279,125,750 | 1,620 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2747% | 5,334 |
| Cost of funding earning assets | 0.2016% | 5,119 |
| Net interest margin | 3.0731% | 4,907 |
| Noninterest income to average assets | 2.1708% | 309 |
| Noninterest expense to average assets | 3.9975% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8285% | 3,177 |
| Return on assets (ROA) | 0.9325% | 2,848 |
| Pretax return on assets | 1.1482% | 2,990 |
| Return on Equity (ROE) | 10.1757% | 1,971 |
| Retained earnings to average equity (ytd only) | 4.4213% | 3,099 |
| Net charge-offs to loans | 0.0109% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 154.7333% | 400 |
| Efficiency ratio | 79.6724% | 1,535 |
| Assets per employee ($millions) | 4.1587% | 3,636 |
| Cash dividends to net income (ytd only)* | 56.5504% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0499% | 674 |
| Loan loss allowance to noncurrent loans | 231.9478% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 3,435 |
| Noncurrent loans to loans | 0.8838% | 2,526 |
| Net loans and leases to total assets | 58.9178% | 4,020 |
| Net loans and leases to deposits | 70.7242% | 3,921 |
| Net loans and leases to core deposits | 72.1262% | 4,163 |
| Total domestic deposits to total assets | 83.3063% | 3,542 |
| Equity capital to assets | 9.2193% | 5,053 |
| Core capital (leverage) ratio | 9.3878% | 4,351 |
| Tier 1 risk-based capital ratio | 12.8384% | 4,290 |
| Total risk-based capital ratio | 14.0955% | 4,204 |
| Memoranda: | ||
| Average total assets | $455,134,330 | 1,506 |
| Average earning assets | $421,599,000 | 1,502 |
| Average equity | $41,707,000 | 1,779 |
| Average total loans | $276,438,670 | 1,636 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2617% | 5,392 |
| Cost of funding earning assets | 0.2046% | 5,157 |
| Net interest margin | 3.0571% | 4,980 |
| Noninterest income to average assets | 2.1315% | 314 |
| Noninterest expense to average assets | 4.0249% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7736% | 3,381 |
| Return on assets (ROA) | 0.9117% | 2,810 |
| Pretax return on assets | 1.1038% | 3,080 |
| Return on Equity (ROE) | 9.9803% | 1,988 |
| Retained earnings to average equity (ytd only) | 4.1665% | 3,402 |
| Net charge-offs to loans | 0.0174% | 2,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 88.2500% | 589 |
| Efficiency ratio | 81.1095% | 1,472 |
| Assets per employee ($millions) | 4.1252% | 3,717 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0707% | 729 |
| Loan loss allowance to noncurrent loans | 245.5369% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 3,577 |
| Noncurrent loans to loans | 0.8434% | 2,737 |
| Net loans and leases to total assets | 58.8082% | 3,948 |
| Net loans and leases to deposits | 69.6406% | 3,887 |
| Net loans and leases to core deposits | 75.1153% | 3,776 |
| Total domestic deposits to total assets | 84.4453% | 3,336 |
| Equity capital to assets | 9.0582% | 5,115 |
| Core capital (leverage) ratio | 9.3484% | 4,434 |
| Tier 1 risk-based capital ratio | 12.9687% | 4,285 |
| Total risk-based capital ratio | 14.2267% | 4,197 |
| Memoranda: | ||
| Average total assets | $451,892,500 | 1,516 |
| Average earning assets | $418,429,000 | 1,513 |
| Average equity | $41,281,500 | 1,789 |
| Average total loans | $275,824,500 | 1,632 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 5,068 |
| Cost of funding earning assets | 0.2244% | 5,049 |
| Net interest margin | 3.2159% | 4,573 |
| Noninterest income to average assets | 2.3301% | 289 |
| Noninterest expense to average assets | 4.0743% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9581% | 2,584 |
| Return on assets (ROA) | 0.9675% | 2,614 |
| Pretax return on assets | 1.2240% | 2,573 |
| Return on Equity (ROE) | 10.3740% | 1,852 |
| Retained earnings to average equity (ytd only) | 4.4432% | 2,821 |
| Net charge-offs to loans | 0.0139% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 138.3947% | 447 |
| Efficiency ratio | 77.0720% | 2,108 |
| Assets per employee ($millions) | 4.0535% | 3,842 |
| Cash dividends to net income (ytd only)* | 57.1701% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 719 |
| Loan loss allowance to noncurrent loans | 231.2931% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 3,442 |
| Noncurrent loans to loans | 0.8917% | 2,570 |
| Net loans and leases to total assets | 60.7704% | 3,729 |
| Net loans and leases to deposits | 72.1487% | 3,705 |
| Net loans and leases to core deposits | 73.8430% | 3,955 |
| Total domestic deposits to total assets | 84.2293% | 3,390 |
| Equity capital to assets | 9.2144% | 4,885 |
| Core capital (leverage) ratio | 8.7937% | 5,118 |
| Tier 1 risk-based capital ratio | 13.3178% | 4,093 |
| Total risk-based capital ratio | 14.5767% | 4,037 |
| Memoranda: | ||
| Average total assets | $433,888,400 | 1,537 |
| Average earning assets | $398,865,400 | 1,536 |
| Average equity | $40,466,600 | 1,775 |
| Average total loans | $274,155,800 | 1,597 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4659% | 5,063 |
| Cost of funding earning assets | 0.2148% | 5,236 |
| Net interest margin | 3.2511% | 4,523 |
| Noninterest income to average assets | 2.3678% | 284 |
| Noninterest expense to average assets | 4.0709% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0023% | 2,456 |
| Return on assets (ROA) | 1.0177% | 2,482 |
| Pretax return on assets | 1.3002% | 2,401 |
| Return on Equity (ROE) | 10.8783% | 1,749 |
| Retained earnings to average equity (ytd only) | 4.9248% | 2,961 |
| Net charge-offs to loans | 0.0054% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 376.0873% | 201 |
| Efficiency ratio | 76.0726% | 2,234 |
| Assets per employee ($millions) | 4.0804% | 3,739 |
| Cash dividends to net income (ytd only)* | 54.7279% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 771 |
| Loan loss allowance to noncurrent loans | 237.8838% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 3,651 |
| Noncurrent loans to loans | 0.8844% | 2,771 |
| Net loans and leases to total assets | 61.0975% | 3,720 |
| Net loans and leases to deposits | 73.2849% | 3,618 |
| Net loans and leases to core deposits | 75.2174% | 3,880 |
| Total domestic deposits to total assets | 83.3698% | 3,668 |
| Equity capital to assets | 9.3506% | 4,939 |
| Core capital (leverage) ratio | 8.9587% | 5,043 |
| Tier 1 risk-based capital ratio | 13.0914% | 4,380 |
| Total risk-based capital ratio | 14.3501% | 4,293 |
| Memoranda: | ||
| Average total assets | $430,888,000 | 1,559 |
| Average earning assets | $395,427,000 | 1,558 |
| Average equity | $40,311,750 | 1,802 |
| Average total loans | $273,526,000 | 1,607 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 4,969 |
| Cost of funding earning assets | 0.2158% | 5,299 |
| Net interest margin | 3.2877% | 4,345 |
| Noninterest income to average assets | 2.3875% | 288 |
| Noninterest expense to average assets | 4.0892% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0294% | 2,233 |
| Return on assets (ROA) | 1.0294% | 2,348 |
| Pretax return on assets | 1.3175% | 2,298 |
| Return on Equity (ROE) | 11.0013% | 1,679 |
| Retained earnings to average equity (ytd only) | 5.0223% | 2,848 |
| Net charge-offs to loans | 0.0811% | 2,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 25.4595% | 1,521 |
| Efficiency ratio | 75.6316% | 2,425 |
| Assets per employee ($millions) | 4.0029% | 3,880 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0412% | 922 |
| Loan loss allowance to noncurrent loans | 229.4501% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 3,677 |
| Noncurrent loans to loans | 0.8896% | 2,905 |
| Net loans and leases to total assets | 63.7102% | 3,303 |
| Net loans and leases to deposits | 76.3010% | 3,232 |
| Net loans and leases to core deposits | 78.0878% | 3,561 |
| Total domestic deposits to total assets | 83.4985% | 3,758 |
| Equity capital to assets | 9.4913% | 4,662 |
| Core capital (leverage) ratio | 9.0247% | 4,932 |
| Tier 1 risk-based capital ratio | 13.0579% | 4,486 |
| Total risk-based capital ratio | 14.3165% | 4,392 |
| Memoranda: | ||
| Average total assets | $428,982,670 | 1,571 |
| Average earning assets | $393,951,000 | 1,569 |
| Average equity | $40,140,670 | 1,817 |
| Average total loans | $273,872,330 | 1,608 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 4,816 |
| Cost of funding earning assets | 0.2161% | 5,353 |
| Net interest margin | 3.3383% | 4,067 |
| Noninterest income to average assets | 2.2999% | 305 |
| Noninterest expense to average assets | 3.9822% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0637% | 1,988 |
| Return on assets (ROA) | 1.0637% | 2,115 |
| Pretax return on assets | 1.3976% | 1,897 |
| Return on Equity (ROE) | 11.4485% | 1,502 |
| Retained earnings to average equity (ytd only) | 5.4598% | 2,799 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0217% | 2,812 |
| Assets per employee ($millions) | 4.1220% | 3,722 |
| Cash dividends to net income (ytd only)* | 52.3104% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 906 |
| Loan loss allowance to noncurrent loans | 267.0386% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 4,014 |
| Noncurrent loans to loans | 0.7927% | 3,266 |
| Net loans and leases to total assets | 61.9540% | 3,375 |
| Net loans and leases to deposits | 73.0978% | 3,418 |
| Net loans and leases to core deposits | 74.1789% | 3,767 |
| Total domestic deposits to total assets | 84.7549% | 3,528 |
| Equity capital to assets | 9.4507% | 4,802 |
| Core capital (leverage) ratio | 8.9526% | 5,008 |
| Tier 1 risk-based capital ratio | 12.8942% | 4,667 |
| Total risk-based capital ratio | 14.1531% | 4,578 |
| Memoranda: | ||
| Average total assets | $431,321,000 | 1,573 |
| Average earning assets | $397,933,000 | 1,566 |
| Average equity | $40,075,000 | 1,826 |
| Average total loans | $272,829,000 | 1,607 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 5,370 |
| Cost of funding earning assets | 0.2173% | 5,611 |
| Net interest margin | 3.2612% | 4,713 |
| Noninterest income to average assets | 2.2955% | 266 |
| Noninterest expense to average assets | 4.1363% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9142% | 2,810 |
| Return on assets (ROA) | 0.9571% | 2,671 |
| Pretax return on assets | 1.2162% | 2,588 |
| Return on Equity (ROE) | 10.6461% | 1,837 |
| Retained earnings to average equity (ytd only) | 4.3466% | 3,089 |
| Net charge-offs to loans | -0.0687% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0697% | 2,201 |
| Assets per employee ($millions) | 4.1726% | 3,591 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0939% | 955 |
| Loan loss allowance to noncurrent loans | 254.8358% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 4,065 |
| Noncurrent loans to loans | 0.8217% | 3,260 |
| Net loans and leases to total assets | 61.8915% | 3,516 |
| Net loans and leases to deposits | 73.1310% | 3,538 |
| Net loans and leases to core deposits | 74.2165% | 3,902 |
| Total domestic deposits to total assets | 84.6311% | 3,446 |
| Equity capital to assets | 9.1337% | 5,148 |
| Core capital (leverage) ratio | 8.8916% | 5,133 |
| Tier 1 risk-based capital ratio | 13.5984% | 4,347 |
| Total risk-based capital ratio | 14.8590% | 4,282 |
| Memoranda: | ||
| Average total assets | $423,783,400 | 1,566 |
| Average earning assets | $390,192,600 | 1,561 |
| Average equity | $38,098,600 | 1,855 |
| Average total loans | $261,932,400 | 1,620 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 5,419 |
| Cost of funding earning assets | 0.2223% | 5,643 |
| Net interest margin | 3.2670% | 4,731 |
| Noninterest income to average assets | 2.3131% | 277 |
| Noninterest expense to average assets | 4.1315% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9130% | 2,850 |
| Return on assets (ROA) | 0.9666% | 2,680 |
| Pretax return on assets | 1.2566% | 2,546 |
| Return on Equity (ROE) | 10.7967% | 1,875 |
| Retained earnings to average equity (ytd only) | 4.4332% | 3,496 |
| Net charge-offs to loans | 0.0355% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 54.3465% | 928 |
| Efficiency ratio | 77.6826% | 2,233 |
| Assets per employee ($millions) | 4.0570% | 3,761 |
| Cash dividends to net income (ytd only)* | 58.9391% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 1,258 |
| Loan loss allowance to noncurrent loans | 238.1881% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 4,247 |
| Noncurrent loans to loans | 0.8396% | 3,473 |
| Net loans and leases to total assets | 63.2170% | 3,307 |
| Net loans and leases to deposits | 76.2215% | 3,161 |
| Net loans and leases to core deposits | 77.3888% | 3,593 |
| Total domestic deposits to total assets | 82.9385% | 4,171 |
| Equity capital to assets | 9.1405% | 5,221 |
| Core capital (leverage) ratio | 8.8166% | 5,316 |
| Tier 1 risk-based capital ratio | 13.2446% | 4,699 |
| Total risk-based capital ratio | 14.5040% | 4,634 |
| Memoranda: | ||
| Average total assets | $421,241,000 | 1,586 |
| Average earning assets | $387,506,500 | 1,581 |
| Average equity | $37,714,250 | 1,875 |
| Average total loans | $258,834,500 | 1,643 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4710% | 5,471 |
| Cost of funding earning assets | 0.2147% | 5,791 |
| Net interest margin | 3.2563% | 4,757 |
| Noninterest income to average assets | 2.3061% | 277 |
| Noninterest expense to average assets | 4.1681% | 623 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8933% | 2,849 |
| Return on assets (ROA) | 0.9350% | 2,729 |
| Pretax return on assets | 1.1910% | 2,696 |
| Return on Equity (ROE) | 10.5182% | 1,932 |
| Retained earnings to average equity (ytd only) | 4.0851% | 3,574 |
| Net charge-offs to loans | 0.0260% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 72.3636% | 718 |
| Efficiency ratio | 78.5522% | 2,221 |
| Assets per employee ($millions) | 4.3368% | 3,200 |
| Cash dividends to net income (ytd only)* | 61.1621% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1019% | 1,170 |
| Loan loss allowance to noncurrent loans | 235.3617% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 4,365 |
| Noncurrent loans to loans | 0.8931% | 3,466 |
| Net loans and leases to total assets | 59.4014% | 3,802 |
| Net loans and leases to deposits | 72.3710% | 3,526 |
| Net loans and leases to core deposits | 73.7445% | 3,866 |
| Total domestic deposits to total assets | 82.0791% | 4,615 |
| Equity capital to assets | 8.8384% | 5,484 |
| Core capital (leverage) ratio | 8.6960% | 5,400 |
| Tier 1 risk-based capital ratio | 13.2922% | 4,725 |
| Total risk-based capital ratio | 14.5522% | 4,652 |
| Memoranda: | ||
| Average total assets | $419,660,670 | 1,591 |
| Average earning assets | $386,631,330 | 1,584 |
| Average equity | $37,306,670 | 1,886 |
| Average total loans | $253,516,670 | 1,676 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 5,383 |
| Cost of funding earning assets | 0.2020% | 5,973 |
| Net interest margin | 3.3125% | 4,480 |
| Noninterest income to average assets | 2.2702% | 273 |
| Noninterest expense to average assets | 4.1749% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9180% | 2,560 |
| Return on assets (ROA) | 0.9180% | 2,635 |
| Pretax return on assets | 1.1467% | 2,712 |
| Return on Equity (ROE) | 10.2949% | 1,934 |
| Retained earnings to average equity (ytd only) | 3.7723% | 3,864 |
| Net charge-offs to loans | 0.0563% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 33.8000% | 974 |
| Efficiency ratio | 78.4517% | 2,421 |
| Assets per employee ($millions) | 4.1981% | 3,528 |
| Cash dividends to net income (ytd only)* | 63.3580% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1910% | 1,174 |
| Loan loss allowance to noncurrent loans | 222.6339% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 4,285 |
| Noncurrent loans to loans | 0.9841% | 3,457 |
| Net loans and leases to total assets | 59.3785% | 3,654 |
| Net loans and leases to deposits | 72.0910% | 3,327 |
| Net loans and leases to core deposits | 73.4881% | 3,701 |
| Total domestic deposits to total assets | 82.3661% | 4,829 |
| Equity capital to assets | 8.9645% | 5,153 |
| Core capital (leverage) ratio | 8.7086% | 5,369 |
| Tier 1 risk-based capital ratio | 13.3620% | 4,790 |
| Total risk-based capital ratio | 14.6223% | 4,718 |
| Memoranda: | ||
| Average total assets | $412,652,000 | 1,629 |
| Average earning assets | $380,133,500 | 1,620 |
| Average equity | $36,795,000 | 1,903 |
| Average total loans | $248,704,000 | 1,705 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3954% | 5,843 |
| Cost of funding earning assets | 0.2303% | 6,101 |
| Net interest margin | 3.1651% | 5,108 |
| Noninterest income to average assets | 2.3142% | 316 |
| Noninterest expense to average assets | 4.1439% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8010% | 3,289 |
| Return on assets (ROA) | 0.7627% | 3,582 |
| Pretax return on assets | 0.9932% | 3,376 |
| Return on Equity (ROE) | 8.3590% | 2,852 |
| Retained earnings to average equity (ytd only) | 2.6603% | 4,353 |
| Net charge-offs to loans | 0.0390% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 45.8462% | 849 |
| Efficiency ratio | 79.8920% | 2,164 |
| Assets per employee ($millions) | 3.9776% | 3,906 |
| Cash dividends to net income (ytd only)* | 68.1744% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2701% | 1,079 |
| Loan loss allowance to noncurrent loans | 221.6733% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 4,403 |
| Noncurrent loans to loans | 1.0241% | 3,467 |
| Net loans and leases to total assets | 58.4663% | 3,960 |
| Net loans and leases to deposits | 69.6370% | 3,824 |
| Net loans and leases to core deposits | 71.7761% | 4,100 |
| Total domestic deposits to total assets | 83.9586% | 4,186 |
| Equity capital to assets | 8.8683% | 5,182 |
| Core capital (leverage) ratio | 8.7738% | 5,325 |
| Tier 1 risk-based capital ratio | 13.5982% | 4,583 |
| Total risk-based capital ratio | 14.8594% | 4,523 |
| Memoranda: | ||
| Average total assets | $400,010,200 | 1,647 |
| Average earning assets | $363,049,600 | 1,659 |
| Average equity | $36,499,400 | 1,894 |
| Average total loans | $233,364,400 | 1,768 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 5,915 |
| Cost of funding earning assets | 0.2419% | 6,142 |
| Net interest margin | 3.1426% | 5,173 |
| Noninterest income to average assets | 2.3350% | 326 |
| Noninterest expense to average assets | 4.1425% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7796% | 3,464 |
| Return on assets (ROA) | 0.7894% | 3,537 |
| Pretax return on assets | 1.0463% | 3,316 |
| Return on Equity (ROE) | 8.5892% | 2,843 |
| Retained earnings to average equity (ytd only) | 2.8971% | 4,592 |
| Net charge-offs to loans | -0.0347% | 6,199 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0376% | 2,095 |
| Assets per employee ($millions) | 3.9894% | 3,849 |
| Cash dividends to net income (ytd only)* | 66.2702% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5140% | 917 |
| Loan loss allowance to noncurrent loans | 251.6513% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 4,743 |
| Noncurrent loans to loans | 0.9990% | 3,812 |
| Net loans and leases to total assets | 55.5508% | 4,383 |
| Net loans and leases to deposits | 66.5256% | 4,237 |
| Net loans and leases to core deposits | 67.9923% | 4,524 |
| Total domestic deposits to total assets | 83.5029% | 4,377 |
| Equity capital to assets | 9.0829% | 5,079 |
| Core capital (leverage) ratio | 9.0428% | 5,063 |
| Tier 1 risk-based capital ratio | 14.4609% | 4,097 |
| Total risk-based capital ratio | 15.7247% | 4,043 |
| Memoranda: | ||
| Average total assets | $397,588,750 | 1,665 |
| Average earning assets | $359,396,750 | 1,681 |
| Average equity | $36,541,000 | 1,909 |
| Average total loans | $230,431,000 | 1,787 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3822% | 5,945 |
| Cost of funding earning assets | 0.2491% | 6,175 |
| Net interest margin | 3.1331% | 5,180 |
| Noninterest income to average assets | 2.3528% | 356 |
| Noninterest expense to average assets | 4.1759% | 717 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7789% | 3,413 |
| Return on assets (ROA) | 0.7937% | 3,487 |
| Pretax return on assets | 1.0273% | 3,386 |
| Return on Equity (ROE) | 8.6019% | 2,798 |
| Retained earnings to average equity (ytd only) | 2.9255% | 4,447 |
| Net charge-offs to loans | -0.0216% | 5,993 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5518% | 2,082 |
| Assets per employee ($millions) | 3.9634% | 3,888 |
| Cash dividends to net income (ytd only)* | 65.9898% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4624% | 1,026 |
| Loan loss allowance to noncurrent loans | 234.9462% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 4,695 |
| Noncurrent loans to loans | 1.0481% | 3,837 |
| Net loans and leases to total assets | 57.3498% | 4,084 |
| Net loans and leases to deposits | 67.2847% | 4,101 |
| Net loans and leases to core deposits | 68.9410% | 4,400 |
| Total domestic deposits to total assets | 85.2346% | 3,774 |
| Equity capital to assets | 9.2615% | 4,912 |
| Core capital (leverage) ratio | 8.9692% | 5,044 |
| Tier 1 risk-based capital ratio | 14.9461% | 3,811 |
| Total risk-based capital ratio | 16.2114% | 3,767 |
| Memoranda: | ||
| Average total assets | $397,139,670 | 1,665 |
| Average earning assets | $358,877,000 | 1,690 |
| Average equity | $36,643,000 | 1,906 |
| Average total loans | $231,465,670 | 1,780 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3340% | 6,082 |
| Cost of funding earning assets | 0.2532% | 6,271 |
| Net interest margin | 3.0808% | 5,328 |
| Noninterest income to average assets | 2.2987% | 357 |
| Noninterest expense to average assets | 4.1139% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7595% | 3,381 |
| Return on assets (ROA) | 0.7649% | 3,501 |
| Pretax return on assets | 0.9942% | 3,378 |
| Return on Equity (ROE) | 8.3056% | 2,814 |
| Retained earnings to average equity (ytd only) | 2.6526% | 4,694 |
| Net charge-offs to loans | -0.0155% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6477% | 2,230 |
| Assets per employee ($millions) | 4.0524% | 3,840 |
| Cash dividends to net income (ytd only)* | 68.0628% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4438% | 1,189 |
| Loan loss allowance to noncurrent loans | 307.2126% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 5,220 |
| Noncurrent loans to loans | 0.7955% | 4,529 |
| Net loans and leases to total assets | 56.9442% | 3,935 |
| Net loans and leases to deposits | 67.1909% | 3,886 |
| Net loans and leases to core deposits | 69.8147% | 4,105 |
| Total domestic deposits to total assets | 84.7499% | 4,157 |
| Equity capital to assets | 9.2705% | 5,175 |
| Core capital (leverage) ratio | 8.9227% | 5,022 |
| Tier 1 risk-based capital ratio | 14.9353% | 3,887 |
| Total risk-based capital ratio | 16.2005% | 3,837 |
| Memoranda: | ||
| Average total assets | $399,521,500 | 1,675 |
| Average earning assets | $363,408,500 | 1,681 |
| Average equity | $36,794,500 | 1,928 |
| Average total loans | $231,844,500 | 1,780 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 6,378 |
| Cost of funding earning assets | 0.4061% | 5,877 |
| Net interest margin | 3.0732% | 5,879 |
| Noninterest income to average assets | 2.2870% | 355 |
| Noninterest expense to average assets | 4.2045% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6878% | 3,795 |
| Return on assets (ROA) | 0.7219% | 3,886 |
| Pretax return on assets | 0.9268% | 3,822 |
| Return on Equity (ROE) | 7.9173% | 3,119 |
| Retained earnings to average equity (ytd only) | 2.1893% | 4,694 |
| Net charge-offs to loans | 0.0230% | 5,580 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 68.9608% | 529 |
| Efficiency ratio | 82.6424% | 1,792 |
| Assets per employee ($millions) | 4.0597% | 3,836 |
| Cash dividends to net income (ytd only)* | 72.3478% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4392% | 1,189 |
| Loan loss allowance to noncurrent loans | 244.2142% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 5,038 |
| Noncurrent loans to loans | 0.9988% | 4,192 |
| Net loans and leases to total assets | 56.2872% | 4,238 |
| Net loans and leases to deposits | 66.8478% | 4,158 |
| Net loans and leases to core deposits | 68.4325% | 4,490 |
| Total domestic deposits to total assets | 84.2020% | 4,223 |
| Equity capital to assets | 9.1495% | 5,338 |
| Core capital (leverage) ratio | 8.5446% | 5,551 |
| Tier 1 risk-based capital ratio | 14.5796% | 3,973 |
| Total risk-based capital ratio | 15.8470% | 3,919 |
| Memoranda: | ||
| Average total assets | $398,259,400 | 1,642 |
| Average earning assets | $362,943,800 | 1,648 |
| Average equity | $36,313,000 | 1,909 |
| Average total loans | $222,082,600 | 1,822 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4456% | 6,565 |
| Cost of funding earning assets | 0.4298% | 5,934 |
| Net interest margin | 3.0158% | 6,137 |
| Noninterest income to average assets | 2.2898% | 346 |
| Noninterest expense to average assets | 4.1041% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6970% | 3,930 |
| Return on assets (ROA) | 0.7402% | 3,986 |
| Pretax return on assets | 0.9986% | 3,718 |
| Return on Equity (ROE) | 8.1255% | 3,226 |
| Retained earnings to average equity (ytd only) | 2.3794% | 5,145 |
| Net charge-offs to loans | 0.0310% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 54.9399% | 701 |
| Efficiency ratio | 81.3610% | 1,893 |
| Assets per employee ($millions) | 4.1453% | 3,588 |
| Cash dividends to net income (ytd only)* | 70.7163% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4849% | 1,222 |
| Loan loss allowance to noncurrent loans | 218.1257% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 5,057 |
| Noncurrent loans to loans | 1.1392% | 4,153 |
| Net loans and leases to total assets | 55.1998% | 4,571 |
| Net loans and leases to deposits | 67.6349% | 4,239 |
| Net loans and leases to core deposits | 69.3975% | 4,574 |
| Total domestic deposits to total assets | 81.6143% | 5,160 |
| Equity capital to assets | 9.1483% | 5,648 |
| Core capital (leverage) ratio | 8.5339% | 5,706 |
| Tier 1 risk-based capital ratio | 14.6607% | 4,079 |
| Total risk-based capital ratio | 15.9259% | 4,032 |
| Memoranda: | ||
| Average total assets | $397,346,250 | 1,665 |
| Average earning assets | $362,923,000 | 1,668 |
| Average equity | $36,198,000 | 1,933 |
| Average total loans | $219,633,000 | 1,855 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4598% | 6,654 |
| Cost of funding earning assets | 0.4538% | 5,948 |
| Net interest margin | 3.0060% | 6,227 |
| Noninterest income to average assets | 2.3231% | 323 |
| Noninterest expense to average assets | 4.1444% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6896% | 3,920 |
| Return on assets (ROA) | 0.7494% | 3,882 |
| Pretax return on assets | 1.0036% | 3,697 |
| Return on Equity (ROE) | 8.2384% | 3,151 |
| Retained earnings to average equity (ytd only) | 2.4610% | 4,956 |
| Net charge-offs to loans | -0.0489% | 6,660 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7729% | 1,914 |
| Assets per employee ($millions) | 4.2002% | 3,456 |
| Cash dividends to net income (ytd only)* | 70.1281% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6318% | 1,117 |
| Loan loss allowance to noncurrent loans | 161.7523% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 4,608 |
| Noncurrent loans to loans | 1.6271% | 3,467 |
| Net loans and leases to total assets | 52.8497% | 4,980 |
| Net loans and leases to deposits | 64.6811% | 4,677 |
| Net loans and leases to core deposits | 66.2335% | 4,974 |
| Total domestic deposits to total assets | 81.7080% | 5,234 |
| Equity capital to assets | 9.0340% | 5,663 |
| Core capital (leverage) ratio | 8.5451% | 5,589 |
| Tier 1 risk-based capital ratio | 15.0344% | 3,752 |
| Total risk-based capital ratio | 16.3010% | 3,694 |
| Memoranda: | ||
| Average total assets | $395,763,000 | 1,672 |
| Average earning assets | $361,407,000 | 1,672 |
| Average equity | $36,002,330 | 1,929 |
| Average total loans | $216,973,330 | 1,880 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5293% | 6,657 |
| Cost of funding earning assets | 0.4842% | 5,910 |
| Net interest margin | 3.0451% | 6,198 |
| Noninterest income to average assets | 2.2345% | 343 |
| Noninterest expense to average assets | 4.0894% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6943% | 3,917 |
| Return on assets (ROA) | 0.8152% | 3,551 |
| Pretax return on assets | 1.0846% | 3,383 |
| Return on Equity (ROE) | 8.9299% | 2,862 |
| Retained earnings to average equity (ytd only) | 3.1182% | 4,693 |
| Net charge-offs to loans | 0.0241% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 69.6154% | 482 |
| Efficiency ratio | 81.5795% | 1,989 |
| Assets per employee ($millions) | 4.1856% | 3,606 |
| Cash dividends to net income (ytd only)* | 65.0814% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6415% | 1,184 |
| Loan loss allowance to noncurrent loans | 137.5695% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 4,255 |
| Noncurrent loans to loans | 1.9201% | 3,262 |
| Net loans and leases to total assets | 53.3403% | 4,831 |
| Net loans and leases to deposits | 65.3722% | 4,450 |
| Net loans and leases to core deposits | 67.2659% | 4,766 |
| Total domestic deposits to total assets | 81.5948% | 5,431 |
| Equity capital to assets | 9.1064% | 5,349 |
| Core capital (leverage) ratio | 8.7161% | 5,267 |
| Tier 1 risk-based capital ratio | 15.0248% | 3,746 |
| Total risk-based capital ratio | 16.2912% | 3,688 |
| Memoranda: | ||
| Average total assets | $392,034,000 | 1,693 |
| Average earning assets | $357,686,500 | 1,695 |
| Average equity | $35,790,000 | 1,942 |
| Average total loans | $216,029,500 | 1,892 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 6,675 |
| Cost of funding earning assets | 0.5754% | 6,208 |
| Net interest margin | 3.2707% | 5,899 |
| Noninterest income to average assets | 2.2099% | 327 |
| Noninterest expense to average assets | 4.2002% | 807 |
| Loan and lease loss provision to assets | 0.1748% | 4,451 |
| Net operating income to assets | 0.6204% | 3,885 |
| Return on assets (ROA) | 0.6836% | 3,757 |
| Pretax return on assets | 0.8789% | 3,678 |
| Return on Equity (ROE) | 7.6307% | 3,093 |
| Retained earnings to average equity (ytd only) | 1.6186% | 5,061 |
| Net charge-offs to loans | 0.6054% | 2,634 |
| Credit loss provision to net charge-offs | 52.9827% | 5,349 |
| Earnings coverage of net charge-offs (x) | 2.9482% | 3,733 |
| Efficiency ratio | 81.1974% | 2,133 |
| Assets per employee ($millions) | 4.0689% | 3,712 |
| Cash dividends to net income (ytd only)* | 78.7879% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6361% | 1,148 |
| Loan loss allowance to noncurrent loans | 114.3000% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.3499% | 3,980 |
| Noncurrent loans to loans | 2.3063% | 2,849 |
| Net loans and leases to total assets | 53.9633% | 5,044 |
| Net loans and leases to deposits | 67.1859% | 4,554 |
| Net loans and leases to core deposits | 69.2105% | 4,879 |
| Total domestic deposits to total assets | 80.3194% | 5,658 |
| Equity capital to assets | 9.1524% | 5,352 |
| Core capital (leverage) ratio | 8.6128% | 5,373 |
| Tier 1 risk-based capital ratio | 14.6133% | 3,892 |
| Total risk-based capital ratio | 15.8791% | 3,860 |
| Memoranda: | ||
| Average total assets | $386,171,000 | 1,674 |
| Average earning assets | $349,838,600 | 1,690 |
| Average equity | $34,597,200 | 1,939 |
| Average total loans | $210,427,000 | 1,952 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 6,721 |
| Cost of funding earning assets | 0.6004% | 6,286 |
| Net interest margin | 3.3048% | 5,848 |
| Noninterest income to average assets | 2.2524% | 313 |
| Noninterest expense to average assets | 4.2379% | 766 |
| Loan and lease loss provision to assets | 0.1991% | 4,034 |
| Net operating income to assets | 0.5962% | 4,098 |
| Return on assets (ROA) | 0.6721% | 3,929 |
| Pretax return on assets | 0.9103% | 3,720 |
| Return on Equity (ROE) | 7.5431% | 3,252 |
| Retained earnings to average equity (ytd only) | 1.4806% | 5,399 |
| Net charge-offs to loans | 0.8214% | 1,922 |
| Credit loss provision to net charge-offs | 44.6775% | 5,153 |
| Earnings coverage of net charge-offs (x) | 2.2595% | 3,997 |
| Efficiency ratio | 80.8015% | 2,144 |
| Assets per employee ($millions) | 3.9588% | 3,936 |
| Cash dividends to net income (ytd only)* | 80.3709% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6711% | 1,166 |
| Loan loss allowance to noncurrent loans | 119.5044% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.3106% | 4,183 |
| Noncurrent loans to loans | 2.2351% | 3,066 |
| Net loans and leases to total assets | 53.6336% | 5,225 |
| Net loans and leases to deposits | 67.1921% | 4,738 |
| Net loans and leases to core deposits | 69.1078% | 5,051 |
| Total domestic deposits to total assets | 79.8213% | 5,785 |
| Equity capital to assets | 9.3425% | 5,313 |
| Core capital (leverage) ratio | 8.6583% | 5,476 |
| Tier 1 risk-based capital ratio | 15.3228% | 3,479 |
| Total risk-based capital ratio | 16.5896% | 3,436 |
| Memoranda: | ||
| Average total assets | $385,059,000 | 1,693 |
| Average earning assets | $348,653,000 | 1,706 |
| Average equity | $34,308,750 | 1,955 |
| Average total loans | $208,909,250 | 1,990 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 6,712 |
| Cost of funding earning assets | 0.6236% | 6,346 |
| Net interest margin | 3.3458% | 5,723 |
| Noninterest income to average assets | 2.2817% | 306 |
| Noninterest expense to average assets | 4.2805% | 759 |
| Loan and lease loss provision to assets | 0.2198% | 3,720 |
| Net operating income to assets | 0.5895% | 4,111 |
| Return on assets (ROA) | 0.7028% | 3,638 |
| Pretax return on assets | 0.9531% | 3,418 |
| Return on Equity (ROE) | 8.0154% | 2,939 |
| Retained earnings to average equity (ytd only) | 1.8815% | 5,038 |
| Net charge-offs to loans | 0.8106% | 1,881 |
| Credit loss provision to net charge-offs | 50.2364% | 4,576 |
| Earnings coverage of net charge-offs (x) | 2.3310% | 3,663 |
| Efficiency ratio | 80.7591% | 2,267 |
| Assets per employee ($millions) | 3.8344% | 4,117 |
| Cash dividends to net income (ytd only)* | 76.5269% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8162% | 1,066 |
| Loan loss allowance to noncurrent loans | 109.3663% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4816% | 3,985 |
| Noncurrent loans to loans | 2.5751% | 2,802 |
| Net loans and leases to total assets | 52.9626% | 5,443 |
| Net loans and leases to deposits | 67.0746% | 4,843 |
| Net loans and leases to core deposits | 69.0872% | 5,175 |
| Total domestic deposits to total assets | 78.9608% | 6,100 |
| Equity capital to assets | 9.0611% | 5,493 |
| Core capital (leverage) ratio | 8.6441% | 5,319 |
| Tier 1 risk-based capital ratio | 15.0908% | 3,451 |
| Total risk-based capital ratio | 16.3596% | 3,411 |
| Memoranda: | ||
| Average total assets | $386,729,000 | 1,697 |
| Average earning assets | $348,913,670 | 1,721 |
| Average equity | $33,909,670 | 1,962 |
| Average total loans | $208,736,330 | 2,012 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 6,623 |
| Cost of funding earning assets | 0.6384% | 6,435 |
| Net interest margin | 3.3981% | 5,433 |
| Noninterest income to average assets | 2.2370% | 313 |
| Noninterest expense to average assets | 4.1795% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8178% | 2,938 |
| Return on assets (ROA) | 0.8353% | 2,915 |
| Pretax return on assets | 1.1350% | 2,625 |
| Return on Equity (ROE) | 9.6858% | 2,213 |
| Retained earnings to average equity (ytd only) | 3.4754% | 4,100 |
| Net charge-offs to loans | -0.2186% | 7,274 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9955% | 2,693 |
| Assets per employee ($millions) | 3.8203% | 4,261 |
| Cash dividends to net income (ytd only)* | 64.1184% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0922% | 842 |
| Loan loss allowance to noncurrent loans | 95.6353% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.8004% | 3,567 |
| Noncurrent loans to loans | 3.2333% | 2,325 |
| Net loans and leases to total assets | 52.6660% | 5,501 |
| Net loans and leases to deposits | 66.8331% | 4,857 |
| Net loans and leases to core deposits | 70.3638% | 4,995 |
| Total domestic deposits to total assets | 78.8023% | 6,236 |
| Equity capital to assets | 8.8927% | 5,360 |
| Core capital (leverage) ratio | 8.5667% | 5,318 |
| Tier 1 risk-based capital ratio | 14.9729% | 3,439 |
| Total risk-based capital ratio | 16.2448% | 3,390 |
| Memoranda: | ||
| Average total assets | $388,372,500 | 1,698 |
| Average earning assets | $349,021,500 | 1,722 |
| Average equity | $33,492,500 | 1,968 |
| Average total loans | $208,621,500 | 2,026 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 6,945 |
| Cost of funding earning assets | 0.8126% | 6,508 |
| Net interest margin | 3.3729% | 5,730 |
| Noninterest income to average assets | 2.0308% | 384 |
| Noninterest expense to average assets | 4.1022% | 1,019 |
| Loan and lease loss provision to assets | 0.1147% | 6,011 |
| Net operating income to assets | 0.6490% | 3,444 |
| Return on assets (ROA) | 0.6534% | 3,569 |
| Pretax return on assets | 0.8950% | 3,312 |
| Return on Equity (ROE) | 7.6449% | 2,832 |
| Retained earnings to average equity (ytd only) | 2.6298% | 4,022 |
| Net charge-offs to loans | 0.2372% | 4,862 |
| Credit loss provision to net charge-offs | 91.8367% | 5,050 |
| Earnings coverage of net charge-offs (x) | 8.0367% | 2,023 |
| Efficiency ratio | 80.3444% | 2,372 |
| Assets per employee ($millions) | 3.9471% | 3,895 |
| Cash dividends to net income (ytd only)* | 65.6006% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0083% | 865 |
| Loan loss allowance to noncurrent loans | 131.2656% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2171% | 4,592 |
| Noncurrent loans to loans | 2.2917% | 3,229 |
| Net loans and leases to total assets | 51.5098% | 5,989 |
| Net loans and leases to deposits | 65.9077% | 5,413 |
| Net loans and leases to core deposits | 68.7610% | 5,578 |
| Total domestic deposits to total assets | 78.1545% | 6,282 |
| Equity capital to assets | 8.3635% | 6,055 |
| Core capital (leverage) ratio | 8.2867% | 5,701 |
| Tier 1 risk-based capital ratio | 14.5012% | 3,544 |
| Total risk-based capital ratio | 15.7711% | 3,489 |
| Memoranda: | ||
| Average total assets | $392,397,800 | 1,678 |
| Average earning assets | $357,729,000 | 1,673 |
| Average equity | $33,538,600 | 1,968 |
| Average total loans | $206,542,200 | 2,102 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 7,086 |
| Cost of funding earning assets | 0.8441% | 6,605 |
| Net interest margin | 3.3583% | 5,812 |
| Noninterest income to average assets | 2.0097% | 376 |
| Noninterest expense to average assets | 4.0456% | 994 |
| Loan and lease loss provision to assets | 0.1531% | 5,509 |
| Net operating income to assets | 0.6605% | 3,598 |
| Return on assets (ROA) | 0.6653% | 3,738 |
| Pretax return on assets | 0.8987% | 3,559 |
| Return on Equity (ROE) | 7.7416% | 3,008 |
| Retained earnings to average equity (ytd only) | 3.1402% | 4,236 |
| Net charge-offs to loans | 0.3220% | 4,052 |
| Credit loss provision to net charge-offs | 90.5433% | 4,740 |
| Earnings coverage of net charge-offs (x) | 6.1811% | 2,579 |
| Efficiency ratio | 79.4666% | 2,426 |
| Assets per employee ($millions) | 4.0923% | 3,656 |
| Cash dividends to net income (ytd only)* | 59.4372% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0209% | 809 |
| Loan loss allowance to noncurrent loans | 106.2932% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4931% | 4,214 |
| Noncurrent loans to loans | 2.8420% | 2,811 |
| Net loans and leases to total assets | 50.9504% | 6,226 |
| Net loans and leases to deposits | 65.2229% | 5,753 |
| Net loans and leases to core deposits | 69.9250% | 5,758 |
| Total domestic deposits to total assets | 78.1173% | 6,236 |
| Equity capital to assets | 8.6804% | 6,053 |
| Core capital (leverage) ratio | 8.1936% | 6,049 |
| Tier 1 risk-based capital ratio | 15.0839% | 3,212 |
| Total risk-based capital ratio | 16.3545% | 3,184 |
| Memoranda: | ||
| Average total assets | $391,819,000 | 1,707 |
| Average earning assets | $359,493,500 | 1,689 |
| Average equity | $33,670,250 | 1,984 |
| Average total loans | $205,772,250 | 2,135 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 7,089 |
| Cost of funding earning assets | 0.8644% | 6,715 |
| Net interest margin | 3.4068% | 5,615 |
| Noninterest income to average assets | 2.0246% | 348 |
| Noninterest expense to average assets | 4.0835% | 942 |
| Loan and lease loss provision to assets | 0.1538% | 5,363 |
| Net operating income to assets | 0.6911% | 3,439 |
| Return on assets (ROA) | 0.6747% | 3,659 |
| Pretax return on assets | 0.8936% | 3,522 |
| Return on Equity (ROE) | 7.8784% | 2,929 |
| Retained earnings to average equity (ytd only) | 4.0350% | 3,514 |
| Net charge-offs to loans | 0.0351% | 5,861 |
| Credit loss provision to net charge-offs | 833.3333% | 449 |
| Earnings coverage of net charge-offs (x) | 57.9167% | 529 |
| Efficiency ratio | 79.2537% | 2,535 |
| Assets per employee ($millions) | 4.0848% | 3,600 |
| Cash dividends to net income (ytd only)* | 48.7842% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2402% | 677 |
| Loan loss allowance to noncurrent loans | 125.6464% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3555% | 4,455 |
| Noncurrent loans to loans | 2.5788% | 3,061 |
| Net loans and leases to total assets | 50.8589% | 6,327 |
| Net loans and leases to deposits | 64.3086% | 5,999 |
| Net loans and leases to core deposits | 70.0892% | 5,863 |
| Total domestic deposits to total assets | 79.0856% | 6,015 |
| Equity capital to assets | 8.7568% | 5,803 |
| Core capital (leverage) ratio | 8.2917% | 5,789 |
| Tier 1 risk-based capital ratio | 15.1848% | 3,067 |
| Total risk-based capital ratio | 16.4578% | 3,012 |
| Memoranda: | ||
| Average total assets | $390,107,670 | 1,727 |
| Average earning assets | $358,165,670 | 1,708 |
| Average equity | $33,408,000 | 1,991 |
| Average total loans | $204,846,670 | 2,172 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 7,072 |
| Cost of funding earning assets | 0.8899% | 6,809 |
| Net interest margin | 3.4558% | 5,350 |
| Noninterest income to average assets | 1.9267% | 357 |
| Noninterest expense to average assets | 4.0252% | 993 |
| Loan and lease loss provision to assets | 0.1534% | 5,000 |
| Net operating income to assets | 0.6903% | 3,484 |
| Return on assets (ROA) | 0.6903% | 3,598 |
| Pretax return on assets | 0.9132% | 3,419 |
| Return on Equity (ROE) | 8.1518% | 2,804 |
| Retained earnings to average equity (ytd only) | 4.2872% | 3,572 |
| Net charge-offs to loans | -0.0117% | 6,928 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0520% | 2,713 |
| Assets per employee ($millions) | 3.9658% | 3,956 |
| Cash dividends to net income (ytd only)* | 47.4074% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1469% | 728 |
| Loan loss allowance to noncurrent loans | 116.6069% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 1.4517% | 4,327 |
| Noncurrent loans to loans | 2.6987% | 2,973 |
| Net loans and leases to total assets | 51.4899% | 6,321 |
| Net loans and leases to deposits | 63.2496% | 6,141 |
| Net loans and leases to core deposits | 68.6501% | 6,035 |
| Total domestic deposits to total assets | 81.4075% | 5,312 |
| Equity capital to assets | 8.5857% | 5,891 |
| Core capital (leverage) ratio | 8.1218% | 6,035 |
| Tier 1 risk-based capital ratio | 14.7037% | 3,255 |
| Total risk-based capital ratio | 15.9755% | 3,206 |
| Memoranda: | ||
| Average total assets | $391,134,500 | 1,760 |
| Average earning assets | $358,237,000 | 1,751 |
| Average equity | $33,121,500 | 2,025 |
| Average total loans | $205,285,500 | 2,225 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 6,892 |
| Cost of funding earning assets | 1.2330% | 6,536 |
| Net interest margin | 3.5937% | 4,572 |
| Noninterest income to average assets | 1.9032% | 408 |
| Noninterest expense to average assets | 3.9628% | 1,414 |
| Loan and lease loss provision to assets | 0.5938% | 3,420 |
| Net operating income to assets | 0.4909% | 3,768 |
| Return on assets (ROA) | 0.4909% | 3,867 |
| Pretax return on assets | 0.6495% | 3,740 |
| Return on Equity (ROE) | 5.8198% | 3,288 |
| Retained earnings to average equity (ytd only) | 1.8273% | 3,821 |
| Net charge-offs to loans | 0.3768% | 4,320 |
| Credit loss provision to net charge-offs | 271.0843% | 1,278 |
| Earnings coverage of net charge-offs (x) | 5.6759% | 2,527 |
| Efficiency ratio | 76.1178% | 3,505 |
| Assets per employee ($millions) | 4.0166% | 3,785 |
| Cash dividends to net income (ytd only)* | 68.6022% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1115% | 707 |
| Loan loss allowance to noncurrent loans | 114.4661% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 1.4760% | 4,176 |
| Noncurrent loans to loans | 2.7182% | 2,845 |
| Net loans and leases to total assets | 50.2027% | 6,621 |
| Net loans and leases to deposits | 61.7005% | 6,496 |
| Net loans and leases to core deposits | 71.5815% | 6,687 |
| Total domestic deposits to total assets | 81.3652% | 5,209 |
| Equity capital to assets | 8.3519% | 6,122 |
| Core capital (leverage) ratio | 8.2127% | 5,788 |
| Tier 1 risk-based capital ratio | 14.5285% | 3,195 |
| Total risk-based capital ratio | 15.7992% | 3,129 |
| Memoranda: | ||
| Average total assets | $378,898,000 | 1,804 |
| Average earning assets | $348,250,600 | 1,793 |
| Average equity | $31,960,000 | 2,097 |
| Average total loans | $220,261,000 | 2,100 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 6,752 |
| Cost of funding earning assets | 1.3102% | 6,526 |
| Net interest margin | 3.6440% | 4,306 |
| Noninterest income to average assets | 1.8247% | 443 |
| Noninterest expense to average assets | 3.8174% | 1,565 |
| Loan and lease loss provision to assets | 0.7285% | 2,555 |
| Net operating income to assets | 0.4587% | 4,167 |
| Return on assets (ROA) | 0.4587% | 4,272 |
| Pretax return on assets | 0.6350% | 4,074 |
| Return on Equity (ROE) | 5.4246% | 3,772 |
| Retained earnings to average equity (ytd only) | 1.4076% | 4,531 |
| Net charge-offs to loans | 0.1985% | 4,826 |
| Credit loss provision to net charge-offs | 613.7725% | 620 |
| Earnings coverage of net charge-offs (x) | 11.4881% | 1,848 |
| Efficiency ratio | 73.6831% | 3,923 |
| Assets per employee ($millions) | 3.9843% | 3,762 |
| Cash dividends to net income (ytd only)* | 74.0509% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1808% | 574 |
| Loan loss allowance to noncurrent loans | 89.4666% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 2.0557% | 3,271 |
| Noncurrent loans to loans | 3.5552% | 2,104 |
| Net loans and leases to total assets | 52.8569% | 6,520 |
| Net loans and leases to deposits | 64.5206% | 6,450 |
| Net loans and leases to core deposits | 74.5369% | 6,698 |
| Total domestic deposits to total assets | 81.9225% | 4,702 |
| Equity capital to assets | 8.5653% | 6,159 |
| Core capital (leverage) ratio | 8.2379% | 5,949 |
| Tier 1 risk-based capital ratio | 14.4642% | 3,298 |
| Total risk-based capital ratio | 15.7397% | 3,226 |
| Memoranda: | ||
| Average total assets | $375,216,500 | 1,833 |
| Average earning assets | $345,584,500 | 1,821 |
| Average equity | $31,731,250 | 2,131 |
| Average total loans | $224,337,250 | 2,097 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 6,395 |
| Cost of funding earning assets | 1.3669% | 6,596 |
| Net interest margin | 3.7425% | 3,784 |
| Noninterest income to average assets | 1.7844% | 463 |
| Noninterest expense to average assets | 3.7088% | 1,825 |
| Loan and lease loss provision to assets | 0.8316% | 2,017 |
| Net operating income to assets | 0.5006% | 4,089 |
| Return on assets (ROA) | 0.5006% | 4,210 |
| Pretax return on assets | 0.6915% | 4,028 |
| Return on Equity (ROE) | 5.9450% | 3,676 |
| Retained earnings to average equity (ytd only) | 1.8861% | 4,294 |
| Net charge-offs to loans | 0.2475% | 3,960 |
| Credit loss provision to net charge-offs | 545.7746% | 851 |
| Earnings coverage of net charge-offs (x) | 9.9965% | 2,051 |
| Efficiency ratio | 70.8880% | 4,608 |
| Assets per employee ($millions) | 3.9235% | 3,828 |
| Cash dividends to net income (ytd only)* | 68.2744% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7561% | 707 |
| Loan loss allowance to noncurrent loans | 122.4728% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 4,123 |
| Noncurrent loans to loans | 2.2503% | 3,186 |
| Net loans and leases to total assets | 57.9948% | 5,965 |
| Net loans and leases to deposits | 70.3157% | 5,954 |
| Net loans and leases to core deposits | 80.8655% | 6,335 |
| Total domestic deposits to total assets | 82.4777% | 4,492 |
| Equity capital to assets | 8.4175% | 6,170 |
| Core capital (leverage) ratio | 8.2219% | 5,946 |
| Tier 1 risk-based capital ratio | 13.8189% | 3,615 |
| Total risk-based capital ratio | 15.0873% | 3,547 |
| Memoranda: | ||
| Average total assets | $372,789,670 | 1,866 |
| Average earning assets | $343,408,670 | 1,846 |
| Average equity | $31,387,670 | 2,155 |
| Average total loans | $229,510,330 | 2,086 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 6,336 |
| Cost of funding earning assets | 1.4261% | 6,646 |
| Net interest margin | 3.7634% | 3,605 |
| Noninterest income to average assets | 1.6945% | 472 |
| Noninterest expense to average assets | 3.4353% | 2,267 |
| Loan and lease loss provision to assets | 1.0247% | 1,281 |
| Net operating income to assets | 0.4810% | 4,513 |
| Return on assets (ROA) | 0.4810% | 4,703 |
| Pretax return on assets | 0.6871% | 4,475 |
| Return on Equity (ROE) | 5.7126% | 4,164 |
| Retained earnings to average equity (ytd only) | 1.6523% | 4,919 |
| Net charge-offs to loans | -0.0190% | 7,423 |
| Credit loss provision to net charge-offs | -8,636.3636% | 6,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7435% | 5,185 |
| Assets per employee ($millions) | 4.0477% | 3,559 |
| Cash dividends to net income (ytd only)* | 71.0762% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5313% | 744 |
| Loan loss allowance to noncurrent loans | 160.7591% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 4,645 |
| Noncurrent loans to loans | 1.5746% | 3,919 |
| Net loans and leases to total assets | 60.2172% | 5,621 |
| Net loans and leases to deposits | 75.2795% | 5,312 |
| Net loans and leases to core deposits | 85.5157% | 5,947 |
| Total domestic deposits to total assets | 79.9916% | 5,375 |
| Equity capital to assets | 8.3576% | 6,304 |
| Core capital (leverage) ratio | 8.6104% | 5,319 |
| Tier 1 risk-based capital ratio | 13.2540% | 4,022 |
| Total risk-based capital ratio | 14.5199% | 3,930 |
| Memoranda: | ||
| Average total assets | $370,855,500 | 1,877 |
| Average earning assets | $340,223,500 | 1,874 |
| Average equity | $31,229,000 | 2,173 |
| Average total loans | $231,949,000 | 2,081 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9349% | 5,880 |
| Cost of funding earning assets | 1.8006% | 7,004 |
| Net interest margin | 4.1343% | 2,565 |
| Noninterest income to average assets | 1.9109% | 373 |
| Noninterest expense to average assets | 3.8747% | 1,607 |
| Loan and lease loss provision to assets | 0.9224% | 1,614 |
| Net operating income to assets | 0.6090% | 4,261 |
| Return on assets (ROA) | 0.6090% | 4,129 |
| Pretax return on assets | 0.9215% | 3,653 |
| Return on Equity (ROE) | 6.6787% | 3,681 |
| Retained earnings to average equity (ytd only) | 2.2673% | 3,799 |
| Net charge-offs to loans | 0.6723% | 1,835 |
| Credit loss provision to net charge-offs | 200.4493% | 2,431 |
| Earnings coverage of net charge-offs (x) | 4.0071% | 4,150 |
| Efficiency ratio | 67.7564% | 4,763 |
| Assets per employee ($millions) | 3.9277% | 3,664 |
| Cash dividends to net income (ytd only)* | 66.0524% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1290% | 1,029 |
| Loan loss allowance to noncurrent loans | 135.0795% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 4,186 |
| Noncurrent loans to loans | 1.5761% | 3,417 |
| Net loans and leases to total assets | 61.9825% | 5,625 |
| Net loans and leases to deposits | 76.5182% | 5,529 |
| Net loans and leases to core deposits | 84.4304% | 6,261 |
| Total domestic deposits to total assets | 81.0036% | 4,638 |
| Equity capital to assets | 8.4860% | 6,110 |
| Core capital (leverage) ratio | 8.8991% | 4,892 |
| Tier 1 risk-based capital ratio | 13.2265% | 3,979 |
| Total risk-based capital ratio | 14.4871% | 3,889 |
| Memoranda: | ||
| Average total assets | $338,585,200 | 1,966 |
| Average earning assets | $311,832,400 | 1,953 |
| Average equity | $30,874,200 | 2,184 |
| Average total loans | $231,728,800 | 2,038 |