Home > Legence Bank > Performance and Condition Ratios
Legence 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 | 5.7391% | 890 |
| Cost of funding earning assets | 1.1409% | 2,955 |
| Net interest margin | 4.5983% | 528 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 3.2654% | 767 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.5430% | 946 |
| Return on assets (ROA) | 1.4386% | 1,112 |
| Pretax return on assets | 1.4330% | 1,567 |
| Return on Equity (ROE) | 19.9300% | 623 |
| Retained earnings to average equity (ytd only) | 0.8326% | 3,870 |
| Net charge-offs to loans | 0.0111% | 2,235 |
| Credit loss provision to net charge-offs | 624.4444% | 576 |
| Earnings coverage of net charge-offs (x) | 226.8222% | 541 |
| Efficiency ratio | 66.2256% | 2,323 |
| Assets per employee ($millions) | 4.2230% | 4,073 |
| Cash dividends to net income (ytd only)* | 95.8226% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,708 |
| Loan loss allowance to noncurrent loans | 149.7132% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 1,168 |
| Noncurrent loans to loans | 0.7499% | 1,042 |
| Net loans and leases to total assets | 63.2100% | 2,546 |
| Net loans and leases to deposits | 70.4233% | 2,858 |
| Net loans and leases to core deposits | 78.2184% | 2,823 |
| Total domestic deposits to total assets | 89.7600% | 822 |
| Equity capital to assets | 7.6625% | 3,621 |
| Core capital (leverage) ratio | 9.0786% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7023% | 1,981 |
| Memoranda: | ||
| Average total assets | $645,644,800 | 1,385 |
| Average earning assets | $588,417,600 | 1,398 |
| Average equity | $46,598,600 | 1,693 |
| Average total loans | $406,310,800 | 1,456 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 754 |
| Cost of funding earning assets | 1.0001% | 3,042 |
| Net interest margin | 4.7331% | 441 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 3.1815% | 842 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.5834% | 960 |
| Return on assets (ROA) | 1.4075% | 1,289 |
| Pretax return on assets | 1.3998% | 1,781 |
| Return on Equity (ROE) | 19.8100% | 743 |
| Retained earnings to average equity (ytd only) | -0.3150% | 4,184 |
| Net charge-offs to loans | 0.0050% | 2,288 |
| Credit loss provision to net charge-offs | 4,260.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 549.5333% | 287 |
| Efficiency ratio | 63.9176% | 2,496 |
| Assets per employee ($millions) | 4.2768% | 4,054 |
| Cash dividends to net income (ytd only)* | 101.5901% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,650 |
| Loan loss allowance to noncurrent loans | 146.2125% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5966% | 988 |
| Noncurrent loans to loans | 0.9232% | 890 |
| Net loans and leases to total assets | 63.7500% | 2,470 |
| Net loans and leases to deposits | 70.3574% | 2,822 |
| Net loans and leases to core deposits | 75.9666% | 2,867 |
| Total domestic deposits to total assets | 90.6100% | 772 |
| Equity capital to assets | 6.7118% | 3,748 |
| Core capital (leverage) ratio | 9.0470% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2687% | 1,801 |
| Memoranda: | ||
| Average total assets | $643,414,250 | 1,387 |
| Average earning assets | $586,859,000 | 1,409 |
| Average equity | $45,709,250 | 1,701 |
| Average total loans | $403,272,500 | 1,460 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4493% | 900 |
| Cost of funding earning assets | 0.8578% | 3,050 |
| Net interest margin | 4.5915% | 537 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 3.1422% | 852 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.4904% | 1,120 |
| Return on assets (ROA) | 1.2273% | 1,749 |
| Pretax return on assets | 1.2155% | 2,320 |
| Return on Equity (ROE) | 16.9700% | 1,103 |
| Retained earnings to average equity (ytd only) | -5.0933% | 4,423 |
| Net charge-offs to loans | 0.0105% | 1,808 |
| Credit loss provision to net charge-offs | 2,028.5714% | 253 |
| Earnings coverage of net charge-offs (x) | 247.5238% | 512 |
| Efficiency ratio | 64.9390% | 2,384 |
| Assets per employee ($millions) | 4.1012% | 4,144 |
| Cash dividends to net income (ytd only)* | 130.0177% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 1,828 |
| Loan loss allowance to noncurrent loans | 170.9667% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 1,113 |
| Noncurrent loans to loans | 0.7735% | 980 |
| Net loans and leases to total assets | 62.2900% | 2,551 |
| Net loans and leases to deposits | 68.8327% | 2,870 |
| Net loans and leases to core deposits | 71.9293% | 3,017 |
| Total domestic deposits to total assets | 90.5000% | 782 |
| Equity capital to assets | 7.0400% | 3,774 |
| Core capital (leverage) ratio | 8.9854% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0972% | 1,853 |
| Memoranda: | ||
| Average total assets | $645,473,000 | 1,384 |
| Average earning assets | $588,001,000 | 1,402 |
| Average equity | $46,689,000 | 1,677 |
| Average total loans | $400,424,667 | 1,455 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 1,142 |
| Cost of funding earning assets | 0.7044% | 3,040 |
| Net interest margin | 4.3454% | 751 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 3.0541% | 989 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.3598% | 1,512 |
| Return on assets (ROA) | 0.8360% | 3,026 |
| Pretax return on assets | 0.8218% | 3,418 |
| Return on Equity (ROE) | 11.4100% | 2,371 |
| Retained earnings to average equity (ytd only) | -19.3210% | 4,588 |
| Net charge-offs to loans | 0.0010% | 2,023 |
| Credit loss provision to net charge-offs | 21,300.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 2,394.0000% | 33 |
| Efficiency ratio | 66.1765% | 2,189 |
| Assets per employee ($millions) | 4.3162% | 4,121 |
| Cash dividends to net income (ytd only)* | 269.3727% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 1,961 |
| Loan loss allowance to noncurrent loans | 1,957.0342% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,375 |
| Noncurrent loans to loans | 0.0673% | 3,251 |
| Net loans and leases to total assets | 59.9800% | 2,648 |
| Net loans and leases to deposits | 65.3448% | 2,989 |
| Net loans and leases to core deposits | 67.5743% | 3,131 |
| Total domestic deposits to total assets | 91.7900% | 569 |
| Equity capital to assets | 7.2639% | 3,695 |
| Core capital (leverage) ratio | 8.9718% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8185% | 2,041 |
| Memoranda: | ||
| Average total assets | $648,315,000 | 1,403 |
| Average earning assets | $590,600,500 | 1,418 |
| Average equity | $47,513,000 | 1,673 |
| Average total loans | $398,701,000 | 1,473 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 492 |
| Cost of funding earning assets | 0.2320% | 3,497 |
| Net interest margin | 4.4955% | 294 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 3.1288% | 801 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.5326% | 813 |
| Return on assets (ROA) | 1.5505% | 749 |
| Pretax return on assets | 1.5614% | 1,265 |
| Return on Equity (ROE) | 17.6200% | 766 |
| Retained earnings to average equity (ytd only) | -0.3222% | 4,390 |
| Net charge-offs to loans | 0.2317% | 341 |
| Credit loss provision to net charge-offs | 95.9459% | 1,592 |
| Earnings coverage of net charge-offs (x) | 12.2973% | 2,116 |
| Efficiency ratio | 63.9941% | 2,493 |
| Assets per employee ($millions) | 4.5070% | 4,037 |
| Cash dividends to net income (ytd only)* | 101.8290% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 2,907 |
| Loan loss allowance to noncurrent loans | 1,756.6929% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,414 |
| Noncurrent loans to loans | 0.0625% | 3,302 |
| Net loans and leases to total assets | 61.5200% | 2,491 |
| Net loans and leases to deposits | 69.5080% | 2,623 |
| Net loans and leases to core deposits | 70.9002% | 2,809 |
| Total domestic deposits to total assets | 88.5100% | 1,877 |
| Equity capital to assets | 7.3924% | 3,446 |
| Core capital (leverage) ratio | 9.3254% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7882% | 2,056 |
| Memoranda: | ||
| Average total assets | $652,350,200 | 1,372 |
| Average earning assets | $594,084,200 | 1,399 |
| Average equity | $57,418,400 | 1,454 |
| Average total loans | $383,284,000 | 1,443 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 467 |
| Cost of funding earning assets | 0.1497% | 3,847 |
| Net interest margin | 4.3986% | 281 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 3.1099% | 773 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4291% | 1,009 |
| Return on assets (ROA) | 1.4534% | 923 |
| Pretax return on assets | 1.4620% | 1,524 |
| Return on Equity (ROE) | 15.8800% | 1,002 |
| Retained earnings to average equity (ytd only) | -0.5405% | 4,390 |
| Net charge-offs to loans | 0.1819% | 370 |
| Credit loss provision to net charge-offs | 124.0777% | 1,204 |
| Earnings coverage of net charge-offs (x) | 14.8913% | 1,855 |
| Efficiency ratio | 65.2942% | 2,369 |
| Assets per employee ($millions) | 4.1715% | 4,241 |
| Cash dividends to net income (ytd only)* | 103.4046% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 2,635 |
| Loan loss allowance to noncurrent loans | 449.7082% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,490 |
| Noncurrent loans to loans | 0.2626% | 2,325 |
| Net loans and leases to total assets | 60.6200% | 2,435 |
| Net loans and leases to deposits | 67.7635% | 2,554 |
| Net loans and leases to core deposits | 68.8244% | 2,734 |
| Total domestic deposits to total assets | 89.4600% | 1,887 |
| Equity capital to assets | 7.4562% | 3,246 |
| Core capital (leverage) ratio | 9.2523% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1243% | 2,005 |
| Memoranda: | ||
| Average total assets | $652,058,000 | 1,380 |
| Average earning assets | $594,204,000 | 1,404 |
| Average equity | $59,695,250 | 1,426 |
| Average total loans | $377,477,000 | 1,457 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 495 |
| Cost of funding earning assets | 0.1166% | 4,002 |
| Net interest margin | 4.2228% | 320 |
| Noninterest income to average assets | 0.6466% | 1,556 |
| Noninterest expense to average assets | 3.0816% | 752 |
| Loan and lease loss provision to assets | 0.1297% | 751 |
| Net operating income to assets | 1.2755% | 1,204 |
| Return on assets (ROA) | 1.2755% | 1,191 |
| Pretax return on assets | 1.2838% | 1,799 |
| Return on Equity (ROE) | 13.1427% | 1,346 |
| Retained earnings to average equity (ytd only) | 2.6298% | 3,567 |
| Net charge-offs to loans | -0.0048% | 3,327 |
| Credit loss provision to net charge-offs | -4,733.3333% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3352% | 2,334 |
| Assets per employee ($millions) | 4.1728% | 4,282 |
| Cash dividends to net income (ytd only)* | 79.9904% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,246 |
| Loan loss allowance to noncurrent loans | 320.1168% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 2,136 |
| Noncurrent loans to loans | 0.4024% | 1,922 |
| Net loans and leases to total assets | 58.0709% | 2,527 |
| Net loans and leases to deposits | 64.4807% | 2,678 |
| Net loans and leases to core deposits | 65.4145% | 2,865 |
| Total domestic deposits to total assets | 90.0595% | 1,688 |
| Equity capital to assets | 8.6469% | 2,656 |
| Core capital (leverage) ratio | 9.2571% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6424% | 1,817 |
| Memoranda: | ||
| Average total assets | $656,665,667 | 1,377 |
| Average earning assets | $598,465,333 | 1,411 |
| Average equity | $63,731,000 | 1,378 |
| Average total loans | $372,796,000 | 1,466 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 655 |
| Cost of funding earning assets | 0.1146% | 3,955 |
| Net interest margin | 3.9681% | 439 |
| Noninterest income to average assets | 0.7610% | 1,144 |
| Noninterest expense to average assets | 3.0476% | 761 |
| Loan and lease loss provision to assets | 0.1293% | 632 |
| Net operating income to assets | 1.1694% | 1,328 |
| Return on assets (ROA) | 1.1694% | 1,326 |
| Pretax return on assets | 1.1767% | 1,889 |
| Return on Equity (ROE) | 11.4926% | 1,461 |
| Retained earnings to average equity (ytd only) | -3.4174% | 4,339 |
| Net charge-offs to loans | -0.0185% | 3,875 |
| Credit loss provision to net charge-offs | -1,252.9412% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7483% | 2,405 |
| Assets per employee ($millions) | 4.2641% | 4,271 |
| Cash dividends to net income (ytd only)* | 129.7353% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 2,345 |
| Loan loss allowance to noncurrent loans | 158.0548% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 1,346 |
| Noncurrent loans to loans | 0.8250% | 1,141 |
| Net loans and leases to total assets | 54.1544% | 2,739 |
| Net loans and leases to deposits | 60.5375% | 2,855 |
| Net loans and leases to core deposits | 61.4349% | 3,027 |
| Total domestic deposits to total assets | 89.4559% | 1,839 |
| Equity capital to assets | 9.3017% | 2,439 |
| Core capital (leverage) ratio | 8.8323% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2722% | 2,086 |
| Memoranda: | ||
| Average total assets | $659,139,000 | 1,381 |
| Average earning assets | $596,759,500 | 1,419 |
| Average equity | $67,069,000 | 1,371 |
| Average total loans | $366,901,000 | 1,470 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 752 |
| Cost of funding earning assets | 0.1633% | 3,836 |
| Net interest margin | 4.2092% | 477 |
| Noninterest income to average assets | 1.0561% | 908 |
| Noninterest expense to average assets | 3.1599% | 775 |
| Loan and lease loss provision to assets | 0.0557% | 1,936 |
| Net operating income to assets | 1.6134% | 772 |
| Return on assets (ROA) | 1.6256% | 788 |
| Pretax return on assets | 1.6411% | 1,306 |
| Return on Equity (ROE) | 14.7386% | 1,011 |
| Retained earnings to average equity (ytd only) | 11.8379% | 554 |
| Net charge-offs to loans | -0.0598% | 4,404 |
| Credit loss provision to net charge-offs | -158.9041% | 3,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0767% | 2,556 |
| Assets per employee ($millions) | 4.3247% | 4,253 |
| Cash dividends to net income (ytd only)* | 19.6812% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,825 |
| Loan loss allowance to noncurrent loans | 139.5161% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 1,358 |
| Noncurrent loans to loans | 0.8687% | 1,176 |
| Net loans and leases to total assets | 55.7775% | 2,649 |
| Net loans and leases to deposits | 63.7332% | 2,708 |
| Net loans and leases to core deposits | 64.7034% | 2,926 |
| Total domestic deposits to total assets | 87.5172% | 2,277 |
| Equity capital to assets | 11.0535% | 1,756 |
| Core capital (leverage) ratio | 9.1267% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9606% | 1,857 |
| Memoranda: | ||
| Average total assets | $625,140,200 | 1,405 |
| Average earning assets | $562,628,000 | 1,447 |
| Average equity | $68,948,200 | 1,368 |
| Average total loans | $366,439,200 | 1,474 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 695 |
| Cost of funding earning assets | 0.1744% | 3,876 |
| Net interest margin | 4.3069% | 442 |
| Noninterest income to average assets | 1.0844% | 938 |
| Noninterest expense to average assets | 3.1660% | 754 |
| Loan and lease loss provision to assets | 0.1381% | 826 |
| Net operating income to assets | 1.6470% | 925 |
| Return on assets (ROA) | 1.6617% | 943 |
| Pretax return on assets | 1.6788% | 1,459 |
| Return on Equity (ROE) | 15.0755% | 1,125 |
| Retained earnings to average equity (ytd only) | 11.1552% | 1,022 |
| Net charge-offs to loans | 0.0905% | 796 |
| Credit loss provision to net charge-offs | 257.6613% | 1,081 |
| Earnings coverage of net charge-offs (x) | 33.6290% | 1,462 |
| Efficiency ratio | 62.5886% | 2,598 |
| Assets per employee ($millions) | 3.9228% | 4,491 |
| Cash dividends to net income (ytd only)* | 26.0044% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,250 |
| Loan loss allowance to noncurrent loans | 76.3573% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 768 |
| Noncurrent loans to loans | 1.4945% | 705 |
| Net loans and leases to total assets | 57.4599% | 2,564 |
| Net loans and leases to deposits | 65.7745% | 2,650 |
| Net loans and leases to core deposits | 66.8641% | 2,874 |
| Total domestic deposits to total assets | 87.3590% | 2,182 |
| Equity capital to assets | 11.2124% | 1,884 |
| Core capital (leverage) ratio | 9.0350% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8053% | 2,044 |
| Memoranda: | ||
| Average total assets | $617,088,500 | 1,434 |
| Average earning assets | $556,421,500 | 1,476 |
| Average equity | $68,020,250 | 1,395 |
| Average total loans | $365,261,500 | 1,501 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 643 |
| Cost of funding earning assets | 0.1895% | 3,859 |
| Net interest margin | 4.3949% | 419 |
| Noninterest income to average assets | 0.9864% | 1,097 |
| Noninterest expense to average assets | 3.1354% | 798 |
| Loan and lease loss provision to assets | 0.1389% | 876 |
| Net operating income to assets | 1.6530% | 948 |
| Return on assets (ROA) | 1.6618% | 987 |
| Pretax return on assets | 1.6826% | 1,525 |
| Return on Equity (ROE) | 15.1646% | 1,118 |
| Retained earnings to average equity (ytd only) | 12.1900% | 875 |
| Net charge-offs to loans | 0.1215% | 641 |
| Credit loss provision to net charge-offs | 191.8919% | 1,065 |
| Earnings coverage of net charge-offs (x) | 25.0495% | 1,420 |
| Efficiency ratio | 62.2134% | 2,697 |
| Assets per employee ($millions) | 4.0129% | 4,438 |
| Cash dividends to net income (ytd only)* | 19.6155% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,503 |
| Loan loss allowance to noncurrent loans | 50.3610% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.2775% | 507 |
| Noncurrent loans to loans | 2.1416% | 428 |
| Net loans and leases to total assets | 59.0106% | 2,541 |
| Net loans and leases to deposits | 67.6282% | 2,656 |
| Net loans and leases to core deposits | 68.9696% | 2,866 |
| Total domestic deposits to total assets | 87.2574% | 2,191 |
| Equity capital to assets | 11.2827% | 1,764 |
| Core capital (leverage) ratio | 8.7659% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1755% | 1,910 |
| Memoranda: | ||
| Average total assets | $613,569,333 | 1,434 |
| Average earning assets | $553,098,667 | 1,477 |
| Average equity | $67,235,667 | 1,399 |
| Average total loans | $365,412,667 | 1,502 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 705 |
| Cost of funding earning assets | 0.2143% | 3,785 |
| Net interest margin | 4.3525% | 471 |
| Noninterest income to average assets | 0.7904% | 1,604 |
| Noninterest expense to average assets | 3.0169% | 964 |
| Loan and lease loss provision to assets | 0.1394% | 967 |
| Net operating income to assets | 1.4939% | 1,347 |
| Return on assets (ROA) | 1.5022% | 1,385 |
| Pretax return on assets | 1.5362% | 1,895 |
| Return on Equity (ROE) | 13.9170% | 1,446 |
| Retained earnings to average equity (ytd only) | 13.9170% | 762 |
| Net charge-offs to loans | 0.3024% | 278 |
| Credit loss provision to net charge-offs | 77.4545% | 1,222 |
| Earnings coverage of net charge-offs (x) | 9.2655% | 1,546 |
| Efficiency ratio | 63.1932% | 2,579 |
| Assets per employee ($millions) | 4.4775% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,676 |
| Loan loss allowance to noncurrent loans | 85.1699% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 1,346 |
| Noncurrent loans to loans | 1.2265% | 1,074 |
| Net loans and leases to total assets | 56.0647% | 3,031 |
| Net loans and leases to deposits | 63.6653% | 3,157 |
| Net loans and leases to core deposits | 64.9998% | 3,319 |
| Total domestic deposits to total assets | 88.0617% | 1,821 |
| Equity capital to assets | 10.6040% | 2,173 |
| Core capital (leverage) ratio | 8.7312% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6326% | 1,399 |
| Memoranda: | ||
| Average total assets | $611,363,500 | 1,427 |
| Average earning assets | $546,904,500 | 1,480 |
| Average equity | $65,991,000 | 1,409 |
| Average total loans | $363,794,000 | 1,511 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 375 |
| Cost of funding earning assets | 0.3821% | 3,696 |
| Net interest margin | 4.7583% | 188 |
| Noninterest income to average assets | 0.8600% | 1,376 |
| Noninterest expense to average assets | 3.5203% | 677 |
| Loan and lease loss provision to assets | 0.3255% | 1,117 |
| Net operating income to assets | 1.2947% | 1,265 |
| Return on assets (ROA) | 1.3968% | 1,117 |
| Pretax return on assets | 1.4091% | 1,629 |
| Return on Equity (ROE) | 12.5383% | 1,167 |
| Retained earnings to average equity (ytd only) | 6.7473% | 1,488 |
| Net charge-offs to loans | 0.2661% | 650 |
| Credit loss provision to net charge-offs | 186.8783% | 2,231 |
| Earnings coverage of net charge-offs (x) | 9.3672% | 2,532 |
| Efficiency ratio | 67.0387% | 2,358 |
| Assets per employee ($millions) | 4.4803% | 3,933 |
| Cash dividends to net income (ytd only)* | 46.1863% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 3,822 |
| Loan loss allowance to noncurrent loans | 89.5324% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 1,461 |
| Noncurrent loans to loans | 1.1312% | 1,253 |
| Net loans and leases to total assets | 61.8692% | 2,627 |
| Net loans and leases to deposits | 70.7504% | 2,801 |
| Net loans and leases to core deposits | 72.4382% | 3,035 |
| Total domestic deposits to total assets | 87.4471% | 1,727 |
| Equity capital to assets | 10.9940% | 2,257 |
| Core capital (leverage) ratio | 8.6579% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5704% | 1,666 |
| Memoranda: | ||
| Average total assets | $542,544,800 | 1,449 |
| Average earning assets | $489,356,400 | 1,478 |
| Average equity | $60,438,600 | 1,437 |
| Average total loans | $355,180,400 | 1,495 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 281 |
| Cost of funding earning assets | 0.4247% | 3,671 |
| Net interest margin | 4.9700% | 146 |
| Noninterest income to average assets | 0.9151% | 1,182 |
| Noninterest expense to average assets | 3.5471% | 663 |
| Loan and lease loss provision to assets | 0.3913% | 921 |
| Net operating income to assets | 1.4576% | 979 |
| Return on assets (ROA) | 1.5955% | 807 |
| Pretax return on assets | 1.6089% | 1,162 |
| Return on Equity (ROE) | 14.2703% | 827 |
| Retained earnings to average equity (ytd only) | 6.3837% | 1,930 |
| Net charge-offs to loans | 0.0608% | 1,734 |
| Credit loss provision to net charge-offs | 970.6250% | 848 |
| Earnings coverage of net charge-offs (x) | 46.1625% | 1,253 |
| Efficiency ratio | 64.3140% | 2,686 |
| Assets per employee ($millions) | 4.2409% | 4,102 |
| Cash dividends to net income (ytd only)* | 55.2661% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,818 |
| Loan loss allowance to noncurrent loans | 86.8132% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.8695% | 1,331 |
| Noncurrent loans to loans | 1.3520% | 1,087 |
| Net loans and leases to total assets | 63.4303% | 2,834 |
| Net loans and leases to deposits | 72.7510% | 3,067 |
| Net loans and leases to core deposits | 74.6939% | 3,265 |
| Total domestic deposits to total assets | 87.1882% | 1,581 |
| Equity capital to assets | 10.8869% | 2,490 |
| Core capital (leverage) ratio | 8.6356% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2720% | 1,428 |
| Memoranda: | ||
| Average total assets | $529,211,000 | 1,459 |
| Average earning assets | $478,404,750 | 1,488 |
| Average equity | $59,170,500 | 1,452 |
| Average total loans | $350,866,000 | 1,497 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 206 |
| Cost of funding earning assets | 0.4867% | 3,612 |
| Net interest margin | 5.2728% | 122 |
| Noninterest income to average assets | 0.8949% | 1,182 |
| Noninterest expense to average assets | 3.7194% | 560 |
| Loan and lease loss provision to assets | 0.5478% | 612 |
| Net operating income to assets | 1.3743% | 1,164 |
| Return on assets (ROA) | 1.5876% | 853 |
| Pretax return on assets | 1.6039% | 1,213 |
| Return on Equity (ROE) | 14.0605% | 877 |
| Retained earnings to average equity (ytd only) | 1.9840% | 3,762 |
| Net charge-offs to loans | 0.0941% | 1,321 |
| Credit loss provision to net charge-offs | 867.9012% | 867 |
| Earnings coverage of net charge-offs (x) | 30.6790% | 1,417 |
| Efficiency ratio | 64.4830% | 2,749 |
| Assets per employee ($millions) | 4.1010% | 4,204 |
| Cash dividends to net income (ytd only)* | 85.8896% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 2,905 |
| Loan loss allowance to noncurrent loans | 224.1453% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3350% | 2,967 |
| Noncurrent loans to loans | 0.5018% | 2,644 |
| Net loans and leases to total assets | 65.6527% | 2,678 |
| Net loans and leases to deposits | 75.2205% | 2,951 |
| Net loans and leases to core deposits | 77.2819% | 3,172 |
| Total domestic deposits to total assets | 87.2803% | 1,507 |
| Equity capital to assets | 10.6683% | 2,602 |
| Core capital (leverage) ratio | 8.5637% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3923% | 1,666 |
| Memoranda: | ||
| Average total assets | $513,362,667 | 1,472 |
| Average earning assets | $463,511,333 | 1,502 |
| Average equity | $57,963,667 | 1,462 |
| Average total loans | $344,427,000 | 1,501 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6040% | 295 |
| Cost of funding earning assets | 0.6027% | 3,421 |
| Net interest margin | 5.0012% | 192 |
| Noninterest income to average assets | 0.6624% | 1,796 |
| Noninterest expense to average assets | 3.9507% | 531 |
| Loan and lease loss provision to assets | 0.4850% | 610 |
| Net operating income to assets | 0.7021% | 3,268 |
| Return on assets (ROA) | 1.0083% | 2,255 |
| Pretax return on assets | 1.0345% | 2,723 |
| Return on Equity (ROE) | 8.6563% | 2,256 |
| Retained earnings to average equity (ytd only) | -3.6296% | 4,410 |
| Net charge-offs to loans | -0.0024% | 3,686 |
| Credit loss provision to net charge-offs | -29,650.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0754% | 1,678 |
| Assets per employee ($millions) | 3.5593% | 4,429 |
| Cash dividends to net income (ytd only)* | 141.9303% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,240 |
| Loan loss allowance to noncurrent loans | 135.6405% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 2,402 |
| Noncurrent loans to loans | 0.8066% | 1,993 |
| Net loans and leases to total assets | 64.8122% | 2,967 |
| Net loans and leases to deposits | 74.8192% | 3,185 |
| Net loans and leases to core deposits | 77.2139% | 3,410 |
| Total domestic deposits to total assets | 86.6251% | 1,728 |
| Equity capital to assets | 11.5485% | 2,399 |
| Core capital (leverage) ratio | 9.3857% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8981% | 2,332 |
| Memoranda: | ||
| Average total assets | $489,122,500 | 1,492 |
| Average earning assets | $439,330,500 | 1,523 |
| Average equity | $56,976,000 | 1,470 |
| Average total loans | $330,110,000 | 1,524 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9936% | 228 |
| Cost of funding earning assets | 0.6857% | 3,230 |
| Net interest margin | 5.3079% | 151 |
| Noninterest income to average assets | 0.8144% | 1,411 |
| Noninterest expense to average assets | 4.0854% | 482 |
| Loan and lease loss provision to assets | 0.1189% | 1,780 |
| Net operating income to assets | 1.3537% | 1,493 |
| Return on assets (ROA) | 1.5157% | 1,078 |
| Pretax return on assets | 1.5274% | 1,722 |
| Return on Equity (ROE) | 13.4263% | 1,044 |
| Retained earnings to average equity (ytd only) | 6.4740% | 1,621 |
| Net charge-offs to loans | 0.0544% | 2,322 |
| Credit loss provision to net charge-offs | 324.5714% | 857 |
| Earnings coverage of net charge-offs (x) | 40.4800% | 1,309 |
| Efficiency ratio | 71.7937% | 1,898 |
| Assets per employee ($millions) | 3.2669% | 4,670 |
| Cash dividends to net income (ytd only)* | 51.7813% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 4,055 |
| Loan loss allowance to noncurrent loans | 347.7032% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 3,771 |
| Noncurrent loans to loans | 0.2527% | 3,545 |
| Net loans and leases to total assets | 68.8865% | 2,557 |
| Net loans and leases to deposits | 79.3796% | 2,851 |
| Net loans and leases to core deposits | 82.2907% | 3,099 |
| Total domestic deposits to total assets | 86.7811% | 1,715 |
| Equity capital to assets | 11.7511% | 2,316 |
| Core capital (leverage) ratio | 9.5951% | 3,967 |
| Tier 1 risk-based capital ratio | 13.0034% | 3,793 |
| Total risk-based capital ratio | 13.8491% | 3,898 |
| Memoranda: | ||
| Average total assets | $477,796,200 | 1,479 |
| Average earning assets | $427,905,800 | 1,513 |
| Average equity | $53,939,000 | 1,495 |
| Average total loans | $321,856,000 | 1,521 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0369% | 224 |
| Cost of funding earning assets | 0.6961% | 3,240 |
| Net interest margin | 5.3408% | 157 |
| Noninterest income to average assets | 0.8830% | 1,176 |
| Noninterest expense to average assets | 4.0917% | 477 |
| Loan and lease loss provision to assets | 0.1590% | 1,185 |
| Net operating income to assets | 1.4021% | 1,465 |
| Return on assets (ROA) | 1.5237% | 1,181 |
| Pretax return on assets | 1.5352% | 1,852 |
| Return on Equity (ROE) | 13.6387% | 1,069 |
| Retained earnings to average equity (ytd only) | 4.2439% | 3,274 |
| Net charge-offs to loans | 0.0880% | 1,590 |
| Credit loss provision to net charge-offs | 270.4762% | 1,026 |
| Earnings coverage of net charge-offs (x) | 26.7336% | 1,730 |
| Efficiency ratio | 70.6964% | 2,023 |
| Assets per employee ($millions) | 3.2243% | 4,730 |
| Cash dividends to net income (ytd only)* | 68.8832% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,015 |
| Loan loss allowance to noncurrent loans | 293.1658% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 3,731 |
| Noncurrent loans to loans | 0.3091% | 3,420 |
| Net loans and leases to total assets | 66.8410% | 2,947 |
| Net loans and leases to deposits | 76.6226% | 3,238 |
| Net loans and leases to core deposits | 79.4383% | 3,431 |
| Total domestic deposits to total assets | 87.2340% | 1,417 |
| Equity capital to assets | 11.6775% | 2,530 |
| Core capital (leverage) ratio | 9.3001% | 4,367 |
| Tier 1 risk-based capital ratio | 12.6749% | 4,041 |
| Total risk-based capital ratio | 13.5251% | 4,152 |
| Memoranda: | ||
| Average total assets | $476,371,000 | 1,493 |
| Average earning assets | $426,345,250 | 1,529 |
| Average equity | $53,219,750 | 1,513 |
| Average total loans | $318,316,000 | 1,547 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9988% | 237 |
| Cost of funding earning assets | 0.6886% | 3,228 |
| Net interest margin | 5.3102% | 165 |
| Noninterest income to average assets | 0.8927% | 1,088 |
| Noninterest expense to average assets | 4.1752% | 425 |
| Loan and lease loss provision to assets | 0.1491% | 1,230 |
| Net operating income to assets | 1.3297% | 1,657 |
| Return on assets (ROA) | 1.5123% | 1,164 |
| Pretax return on assets | 1.5249% | 1,774 |
| Return on Equity (ROE) | 13.7445% | 1,040 |
| Retained earnings to average equity (ytd only) | 7.0631% | 1,777 |
| Net charge-offs to loans | 0.0612% | 1,769 |
| Credit loss provision to net charge-offs | 365.9794% | 778 |
| Earnings coverage of net charge-offs (x) | 36.5567% | 1,303 |
| Efficiency ratio | 72.1468% | 1,899 |
| Assets per employee ($millions) | 3.2622% | 4,727 |
| Cash dividends to net income (ytd only)* | 48.6111% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 4,157 |
| Loan loss allowance to noncurrent loans | 281.8819% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 3,627 |
| Noncurrent loans to loans | 0.3132% | 3,417 |
| Net loans and leases to total assets | 66.8327% | 2,997 |
| Net loans and leases to deposits | 76.5269% | 3,286 |
| Net loans and leases to core deposits | 79.5166% | 3,460 |
| Total domestic deposits to total assets | 87.3323% | 1,413 |
| Equity capital to assets | 11.5899% | 2,532 |
| Core capital (leverage) ratio | 9.3224% | 4,342 |
| Tier 1 risk-based capital ratio | 12.8107% | 3,939 |
| Total risk-based capital ratio | 13.6393% | 4,069 |
| Memoranda: | ||
| Average total assets | $476,095,330 | 1,496 |
| Average earning assets | $427,854,330 | 1,533 |
| Average equity | $52,384,670 | 1,529 |
| Average total loans | $317,127,670 | 1,552 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 265 |
| Cost of funding earning assets | 0.6582% | 3,272 |
| Net interest margin | 5.2332% | 191 |
| Noninterest income to average assets | 0.7772% | 1,341 |
| Noninterest expense to average assets | 4.1723% | 422 |
| Loan and lease loss provision to assets | 0.1189% | 1,472 |
| Net operating income to assets | 1.1699% | 2,176 |
| Return on assets (ROA) | 1.1725% | 2,220 |
| Pretax return on assets | 1.1758% | 2,893 |
| Return on Equity (ROE) | 10.9449% | 1,970 |
| Retained earnings to average equity (ytd only) | 5.0815% | 2,874 |
| Net charge-offs to loans | 0.0595% | 1,444 |
| Credit loss provision to net charge-offs | 302.1277% | 816 |
| Earnings coverage of net charge-offs (x) | 32.8298% | 1,277 |
| Efficiency ratio | 74.7433% | 1,644 |
| Assets per employee ($millions) | 3.1613% | 4,861 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 4,409 |
| Loan loss allowance to noncurrent loans | 223.4848% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 3,508 |
| Noncurrent loans to loans | 0.3731% | 3,252 |
| Net loans and leases to total assets | 65.7215% | 3,095 |
| Net loans and leases to deposits | 74.5916% | 3,396 |
| Net loans and leases to core deposits | 77.4323% | 3,565 |
| Total domestic deposits to total assets | 88.1085% | 1,281 |
| Equity capital to assets | 10.9125% | 2,940 |
| Core capital (leverage) ratio | 9.1676% | 4,503 |
| Tier 1 risk-based capital ratio | 12.3724% | 4,250 |
| Total risk-based capital ratio | 13.1502% | 4,415 |
| Memoranda: | ||
| Average total assets | $477,631,500 | 1,500 |
| Average earning assets | $427,811,000 | 1,540 |
| Average equity | $51,165,500 | 1,546 |
| Average total loans | $316,216,500 | 1,570 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 316 |
| Cost of funding earning assets | 0.4679% | 3,564 |
| Net interest margin | 5.1615% | 203 |
| Noninterest income to average assets | 0.7950% | 1,462 |
| Noninterest expense to average assets | 4.0001% | 530 |
| Loan and lease loss provision to assets | 0.1822% | 1,071 |
| Net operating income to assets | 1.2309% | 2,045 |
| Return on assets (ROA) | 1.2309% | 2,036 |
| Pretax return on assets | 1.2425% | 2,732 |
| Return on Equity (ROE) | 11.8825% | 1,754 |
| Retained earnings to average equity (ytd only) | 6.5161% | 1,914 |
| Net charge-offs to loans | 0.0366% | 2,667 |
| Credit loss provision to net charge-offs | 843.5644% | 427 |
| Earnings coverage of net charge-offs (x) | 65.9703% | 965 |
| Efficiency ratio | 71.7079% | 1,943 |
| Assets per employee ($millions) | 3.1441% | 4,890 |
| Cash dividends to net income (ytd only)* | 45.1624% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 4,481 |
| Loan loss allowance to noncurrent loans | 559.9562% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,203 |
| Noncurrent loans to loans | 0.1456% | 4,089 |
| Net loans and leases to total assets | 65.5964% | 3,185 |
| Net loans and leases to deposits | 77.5813% | 3,217 |
| Net loans and leases to core deposits | 79.6664% | 3,454 |
| Total domestic deposits to total assets | 84.5517% | 2,814 |
| Equity capital to assets | 10.5097% | 3,181 |
| Core capital (leverage) ratio | 9.1755% | 4,482 |
| Tier 1 risk-based capital ratio | 12.5829% | 4,083 |
| Total risk-based capital ratio | 13.3593% | 4,246 |
| Memoranda: | ||
| Average total assets | $467,688,200 | 1,493 |
| Average earning assets | $419,507,800 | 1,527 |
| Average equity | $48,449,400 | 1,557 |
| Average total loans | $276,126,600 | 1,689 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 333 |
| Cost of funding earning assets | 0.4509% | 3,518 |
| Net interest margin | 5.0876% | 221 |
| Noninterest income to average assets | 0.8090% | 1,441 |
| Noninterest expense to average assets | 3.9548% | 556 |
| Loan and lease loss provision to assets | 0.1829% | 995 |
| Net operating income to assets | 1.2202% | 2,152 |
| Return on assets (ROA) | 1.2202% | 2,153 |
| Pretax return on assets | 1.2342% | 2,872 |
| Return on Equity (ROE) | 11.8225% | 1,868 |
| Retained earnings to average equity (ytd only) | 4.6136% | 3,444 |
| Net charge-offs to loans | 0.0160% | 2,855 |
| Credit loss provision to net charge-offs | 1,996.8750% | 216 |
| Earnings coverage of net charge-offs (x) | 154.7340% | 533 |
| Efficiency ratio | 71.3509% | 1,988 |
| Assets per employee ($millions) | 3.1437% | 4,928 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 4,521 |
| Loan loss allowance to noncurrent loans | 314.9935% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 4,054 |
| Noncurrent loans to loans | 0.2637% | 3,741 |
| Net loans and leases to total assets | 62.8485% | 3,562 |
| Net loans and leases to deposits | 70.8677% | 3,852 |
| Net loans and leases to core deposits | 72.9654% | 4,014 |
| Total domestic deposits to total assets | 88.6842% | 965 |
| Equity capital to assets | 10.3243% | 3,304 |
| Core capital (leverage) ratio | 8.8078% | 4,881 |
| Tier 1 risk-based capital ratio | 12.7417% | 4,056 |
| Total risk-based capital ratio | 13.5132% | 4,226 |
| Memoranda: | ||
| Average total assets | $465,922,250 | 1,509 |
| Average earning assets | $417,865,250 | 1,541 |
| Average equity | $48,088,000 | 1,565 |
| Average total loans | $266,663,500 | 1,752 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 375 |
| Cost of funding earning assets | 0.4355% | 3,456 |
| Net interest margin | 4.9778% | 256 |
| Noninterest income to average assets | 0.8743% | 1,258 |
| Noninterest expense to average assets | 3.8814% | 616 |
| Loan and lease loss provision to assets | 0.1820% | 984 |
| Net operating income to assets | 1.2596% | 1,938 |
| Return on assets (ROA) | 1.2596% | 1,939 |
| Pretax return on assets | 1.2780% | 2,599 |
| Return on Equity (ROE) | 12.2057% | 1,653 |
| Retained earnings to average equity (ytd only) | 5.5834% | 2,778 |
| Net charge-offs to loans | 0.0031% | 3,073 |
| Credit loss provision to net charge-offs | 10,650.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 854.5000% | 93 |
| Efficiency ratio | 70.2279% | 2,272 |
| Assets per employee ($millions) | 3.1964% | 4,933 |
| Cash dividends to net income (ytd only)* | 54.2557% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,691 |
| Loan loss allowance to noncurrent loans | 233.5079% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 3,979 |
| Noncurrent loans to loans | 0.3430% | 3,468 |
| Net loans and leases to total assets | 59.1894% | 3,885 |
| Net loans and leases to deposits | 66.7926% | 4,119 |
| Net loans and leases to core deposits | 68.6009% | 4,222 |
| Total domestic deposits to total assets | 88.6166% | 1,088 |
| Equity capital to assets | 10.3146% | 3,324 |
| Core capital (leverage) ratio | 8.6384% | 5,008 |
| Tier 1 risk-based capital ratio | 12.3105% | 4,303 |
| Total risk-based capital ratio | 13.0062% | 4,526 |
| Memoranda: | ||
| Average total assets | $468,234,670 | 1,508 |
| Average earning assets | $420,189,000 | 1,544 |
| Average equity | $48,321,670 | 1,564 |
| Average total loans | $258,591,000 | 1,800 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 457 |
| Cost of funding earning assets | 0.4315% | 3,359 |
| Net interest margin | 4.8070% | 341 |
| Noninterest income to average assets | 0.9211% | 1,093 |
| Noninterest expense to average assets | 3.8370% | 641 |
| Loan and lease loss provision to assets | 0.1817% | 942 |
| Net operating income to assets | 1.1846% | 2,078 |
| Return on assets (ROA) | 1.1846% | 2,086 |
| Pretax return on assets | 1.2162% | 2,691 |
| Return on Equity (ROE) | 11.4759% | 1,780 |
| Retained earnings to average equity (ytd only) | 5.2794% | 3,043 |
| Net charge-offs to loans | -0.0048% | 3,999 |
| Credit loss provision to net charge-offs | -7,100.0000% | 4,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8211% | 2,373 |
| Assets per employee ($millions) | 3.3215% | 4,880 |
| Cash dividends to net income (ytd only)* | 53.9957% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 4,839 |
| Loan loss allowance to noncurrent loans | 93.7037% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 3,006 |
| Noncurrent loans to loans | 0.8328% | 2,157 |
| Net loans and leases to total assets | 54.5638% | 4,238 |
| Net loans and leases to deposits | 61.3727% | 4,376 |
| Net loans and leases to core deposits | 63.0627% | 4,486 |
| Total domestic deposits to total assets | 88.9055% | 1,145 |
| Equity capital to assets | 10.1052% | 3,495 |
| Core capital (leverage) ratio | 8.4455% | 5,174 |
| Tier 1 risk-based capital ratio | 13.2519% | 3,811 |
| Total risk-based capital ratio | 13.9468% | 4,016 |
| Memoranda: | ||
| Average total assets | $469,012,000 | 1,516 |
| Average earning assets | $420,883,000 | 1,550 |
| Average equity | $48,414,500 | 1,572 |
| Average total loans | $248,659,000 | 1,860 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4052% | 309 |
| Cost of funding earning assets | 0.4454% | 2,820 |
| Net interest margin | 4.9597% | 247 |
| Noninterest income to average assets | 1.1086% | 829 |
| Noninterest expense to average assets | 4.0557% | 496 |
| Loan and lease loss provision to assets | 0.1992% | 1,040 |
| Net operating income to assets | 1.3240% | 1,175 |
| Return on assets (ROA) | 1.3312% | 1,177 |
| Pretax return on assets | 1.3441% | 2,197 |
| Return on Equity (ROE) | 13.3623% | 873 |
| Retained earnings to average equity (ytd only) | 9.5800% | 412 |
| Net charge-offs to loans | 0.2547% | 1,027 |
| Credit loss provision to net charge-offs | 140.6844% | 1,881 |
| Earnings coverage of net charge-offs (x) | 10.8498% | 2,627 |
| Efficiency ratio | 71.1398% | 2,372 |
| Assets per employee ($millions) | 3.3795% | 4,850 |
| Cash dividends to net income (ytd only)* | 28.3057% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 4,930 |
| Loan loss allowance to noncurrent loans | 71.7460% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 2,690 |
| Noncurrent loans to loans | 1.0591% | 1,678 |
| Net loans and leases to total assets | 50.6323% | 4,616 |
| Net loans and leases to deposits | 57.2943% | 4,732 |
| Net loans and leases to core deposits | 59.0343% | 4,800 |
| Total domestic deposits to total assets | 88.3724% | 1,316 |
| Equity capital to assets | 10.5426% | 3,119 |
| Core capital (leverage) ratio | 8.4017% | 5,223 |
| Tier 1 risk-based capital ratio | 13.5784% | 3,581 |
| Total risk-based capital ratio | 14.2171% | 3,828 |
| Memoranda: | ||
| Average total assets | $371,554,600 | 1,826 |
| Average earning assets | $335,845,600 | 1,863 |
| Average equity | $37,014,600 | 1,979 |
| Average total loans | $206,514,200 | 2,108 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 271 |
| Cost of funding earning assets | 0.4301% | 2,886 |
| Net interest margin | 5.0234% | 220 |
| Noninterest income to average assets | 1.2656% | 655 |
| Noninterest expense to average assets | 4.0921% | 467 |
| Loan and lease loss provision to assets | 0.2020% | 939 |
| Net operating income to assets | 1.4996% | 897 |
| Return on assets (ROA) | 1.5098% | 903 |
| Pretax return on assets | 1.5263% | 1,680 |
| Return on Equity (ROE) | 15.4575% | 596 |
| Retained earnings to average equity (ytd only) | 9.9636% | 593 |
| Net charge-offs to loans | 0.2584% | 837 |
| Credit loss provision to net charge-offs | 136.8831% | 1,799 |
| Earnings coverage of net charge-offs (x) | 11.6416% | 2,487 |
| Efficiency ratio | 69.1450% | 2,682 |
| Assets per employee ($millions) | 3.6036% | 4,580 |
| Cash dividends to net income (ytd only)* | 35.5420% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 5,033 |
| Loan loss allowance to noncurrent loans | 80.6317% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 2,822 |
| Noncurrent loans to loans | 0.9245% | 2,078 |
| Net loans and leases to total assets | 49.7213% | 4,719 |
| Net loans and leases to deposits | 55.4137% | 4,899 |
| Net loans and leases to core deposits | 57.2895% | 4,939 |
| Total domestic deposits to total assets | 89.7274% | 564 |
| Equity capital to assets | 9.1570% | 4,762 |
| Core capital (leverage) ratio | 8.6195% | 5,135 |
| Tier 1 risk-based capital ratio | 12.0823% | 4,553 |
| Total risk-based capital ratio | 12.7321% | 4,866 |
| Memoranda: | ||
| Average total assets | $347,849,750 | 1,936 |
| Average earning assets | $314,679,000 | 1,976 |
| Average equity | $33,976,250 | 2,147 |
| Average total loans | $198,656,750 | 2,172 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8300% | 154 |
| Cost of funding earning assets | 0.4290% | 2,813 |
| Net interest margin | 5.4009% | 120 |
| Noninterest income to average assets | 1.2874% | 628 |
| Noninterest expense to average assets | 4.1982% | 415 |
| Loan and lease loss provision to assets | 0.2137% | 834 |
| Net operating income to assets | 1.7259% | 534 |
| Return on assets (ROA) | 1.7381% | 524 |
| Pretax return on assets | 1.7627% | 916 |
| Return on Equity (ROE) | 17.2536% | 388 |
| Retained earnings to average equity (ytd only) | 8.2540% | 1,069 |
| Net charge-offs to loans | 0.4112% | 493 |
| Credit loss provision to net charge-offs | 85.7143% | 2,196 |
| Earnings coverage of net charge-offs (x) | 7.8779% | 2,566 |
| Efficiency ratio | 66.7612% | 3,217 |
| Assets per employee ($millions) | 3.2243% | 5,064 |
| Cash dividends to net income (ytd only)* | 52.1610% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 4,930 |
| Loan loss allowance to noncurrent loans | 275.6272% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 3,198 |
| Noncurrent loans to loans | 0.2927% | 3,996 |
| Net loans and leases to total assets | 59.8527% | 3,859 |
| Net loans and leases to deposits | 70.4097% | 3,879 |
| Net loans and leases to core deposits | 73.2326% | 4,002 |
| Total domestic deposits to total assets | 85.0063% | 2,806 |
| Equity capital to assets | 10.5517% | 3,277 |
| Core capital (leverage) ratio | 9.2918% | 4,375 |
| Tier 1 risk-based capital ratio | 13.9580% | 3,447 |
| Total risk-based capital ratio | 14.7022% | 3,637 |
| Memoranda: | ||
| Average total assets | $308,843,330 | 2,138 |
| Average earning assets | $278,766,330 | 2,183 |
| Average equity | $31,112,330 | 2,289 |
| Average total loans | $187,250,670 | 2,280 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 174 |
| Cost of funding earning assets | 0.4151% | 2,856 |
| Net interest margin | 5.2981% | 137 |
| Noninterest income to average assets | 1.0299% | 949 |
| Noninterest expense to average assets | 4.1458% | 451 |
| Loan and lease loss provision to assets | 0.2162% | 741 |
| Net operating income to assets | 1.3900% | 1,021 |
| Return on assets (ROA) | 1.3824% | 1,067 |
| Pretax return on assets | 1.4269% | 1,781 |
| Return on Equity (ROE) | 14.0678% | 797 |
| Retained earnings to average equity (ytd only) | -2.6002% | 5,229 |
| Net charge-offs to loans | 0.0086% | 2,674 |
| Credit loss provision to net charge-offs | 4,125.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 193 |
| Efficiency ratio | 70.0497% | 2,883 |
| Assets per employee ($millions) | 3.2268% | 5,127 |
| Cash dividends to net income (ytd only)* | 118.4834% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 4,577 |
| Loan loss allowance to noncurrent loans | 150.5146% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 2,905 |
| Noncurrent loans to loans | 0.6285% | 2,941 |
| Net loans and leases to total assets | 59.9472% | 3,793 |
| Net loans and leases to deposits | 67.5666% | 4,030 |
| Net loans and leases to core deposits | 70.1264% | 4,139 |
| Total domestic deposits to total assets | 88.7231% | 1,306 |
| Equity capital to assets | 9.7959% | 3,980 |
| Core capital (leverage) ratio | 9.0598% | 4,666 |
| Tier 1 risk-based capital ratio | 13.6955% | 3,663 |
| Total risk-based capital ratio | 14.5748% | 3,790 |
| Memoranda: | ||
| Average total assets | $305,272,000 | 2,177 |
| Average earning assets | $274,662,500 | 2,216 |
| Average equity | $29,997,500 | 2,374 |
| Average total loans | $185,544,000 | 2,311 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5301% | 238 |
| Cost of funding earning assets | 0.3910% | 3,090 |
| Net interest margin | 5.1391% | 189 |
| Noninterest income to average assets | 1.3273% | 647 |
| Noninterest expense to average assets | 3.9841% | 614 |
| Loan and lease loss provision to assets | 0.1696% | 1,440 |
| Net operating income to assets | 1.7380% | 500 |
| Return on assets (ROA) | 2.0069% | 330 |
| Pretax return on assets | 2.0271% | 466 |
| Return on Equity (ROE) | 18.3046% | 308 |
| Retained earnings to average equity (ytd only) | -7.1267% | 5,733 |
| Net charge-offs to loans | 0.3008% | 916 |
| Credit loss provision to net charge-offs | 92.8571% | 2,749 |
| Earnings coverage of net charge-offs (x) | 10.5411% | 2,632 |
| Efficiency ratio | 65.9879% | 3,588 |
| Assets per employee ($millions) | 3.1340% | 5,235 |
| Cash dividends to net income (ytd only)* | 138.9340% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,934 |
| Loan loss allowance to noncurrent loans | 91.4466% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 2,367 |
| Noncurrent loans to loans | 0.9387% | 2,210 |
| Net loans and leases to total assets | 60.5182% | 3,792 |
| Net loans and leases to deposits | 71.2179% | 3,787 |
| Net loans and leases to core deposits | 74.3058% | 3,897 |
| Total domestic deposits to total assets | 84.9761% | 3,058 |
| Equity capital to assets | 9.8574% | 3,872 |
| Core capital (leverage) ratio | 9.2132% | 4,461 |
| Tier 1 risk-based capital ratio | 14.4059% | 3,236 |
| Total risk-based capital ratio | 15.2341% | 3,385 |
| Memoranda: | ||
| Average total assets | $306,643,600 | 2,130 |
| Average earning assets | $273,392,600 | 2,187 |
| Average equity | $33,620,000 | 2,149 |
| Average total loans | $186,166,600 | 2,247 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4619% | 267 |
| Cost of funding earning assets | 0.3866% | 3,161 |
| Net interest margin | 5.0754% | 221 |
| Noninterest income to average assets | 1.2825% | 709 |
| Noninterest expense to average assets | 3.9308% | 645 |
| Loan and lease loss provision to assets | 0.2148% | 976 |
| Net operating income to assets | 1.6381% | 673 |
| Return on assets (ROA) | 1.9646% | 376 |
| Pretax return on assets | 1.9897% | 582 |
| Return on Equity (ROE) | 17.4821% | 396 |
| Retained earnings to average equity (ytd only) | -3.9458% | 5,691 |
| Net charge-offs to loans | 0.1031% | 1,915 |
| Credit loss provision to net charge-offs | 343.7500% | 940 |
| Earnings coverage of net charge-offs (x) | 30.0062% | 1,489 |
| Efficiency ratio | 66.2507% | 3,551 |
| Assets per employee ($millions) | 3.0875% | 5,302 |
| Cash dividends to net income (ytd only)* | 122.5708% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 4,092 |
| Loan loss allowance to noncurrent loans | 96.4546% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 2,257 |
| Noncurrent loans to loans | 1.0950% | 2,066 |
| Net loans and leases to total assets | 60.8713% | 3,758 |
| Net loans and leases to deposits | 72.7048% | 3,732 |
| Net loans and leases to core deposits | 76.4786% | 3,791 |
| Total domestic deposits to total assets | 83.7240% | 3,311 |
| Equity capital to assets | 11.2201% | 2,776 |
| Core capital (leverage) ratio | 9.5958% | 4,062 |
| Tier 1 risk-based capital ratio | 14.7141% | 3,183 |
| Total risk-based capital ratio | 15.7207% | 3,234 |
| Memoranda: | ||
| Average total assets | $307,305,500 | 2,131 |
| Average earning assets | $273,863,750 | 2,198 |
| Average equity | $34,533,500 | 2,114 |
| Average total loans | $186,316,750 | 2,254 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4871% | 264 |
| Cost of funding earning assets | 0.3758% | 3,294 |
| Net interest margin | 5.1113% | 207 |
| Noninterest income to average assets | 1.1798% | 810 |
| Noninterest expense to average assets | 3.9480% | 633 |
| Loan and lease loss provision to assets | 0.2144% | 984 |
| Net operating income to assets | 1.5415% | 825 |
| Return on assets (ROA) | 1.9828% | 357 |
| Pretax return on assets | 2.0185% | 551 |
| Return on Equity (ROE) | 17.6350% | 387 |
| Retained earnings to average equity (ytd only) | -7.2112% | 5,825 |
| Net charge-offs to loans | 0.1777% | 1,273 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 16.6303% | 1,923 |
| Efficiency ratio | 67.4187% | 3,465 |
| Assets per employee ($millions) | 3.0120% | 5,421 |
| Cash dividends to net income (ytd only)* | 140.8912% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 4,653 |
| Loan loss allowance to noncurrent loans | 81.7356% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9730% | 2,199 |
| Noncurrent loans to loans | 1.1913% | 1,930 |
| Net loans and leases to total assets | 60.1417% | 3,865 |
| Net loans and leases to deposits | 72.1074% | 3,776 |
| Net loans and leases to core deposits | 77.2090% | 3,719 |
| Total domestic deposits to total assets | 83.4058% | 3,499 |
| Equity capital to assets | 11.2081% | 2,839 |
| Core capital (leverage) ratio | 9.5663% | 4,110 |
| Tier 1 risk-based capital ratio | 16.1885% | 2,556 |
| Total risk-based capital ratio | 17.2009% | 2,602 |
| Memoranda: | ||
| Average total assets | $307,854,670 | 2,132 |
| Average earning assets | $274,096,000 | 2,211 |
| Average equity | $34,613,000 | 2,110 |
| Average total loans | $185,741,000 | 2,253 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 281 |
| Cost of funding earning assets | 0.3657% | 3,447 |
| Net interest margin | 5.0715% | 219 |
| Noninterest income to average assets | 1.2077% | 747 |
| Noninterest expense to average assets | 3.9615% | 634 |
| Loan and lease loss provision to assets | 0.2131% | 911 |
| Net operating income to assets | 1.5433% | 785 |
| Return on assets (ROA) | 2.4128% | 187 |
| Pretax return on assets | 2.4257% | 268 |
| Return on Equity (ROE) | 21.4272% | 182 |
| Retained earnings to average equity (ytd only) | 6.5153% | 2,128 |
| Net charge-offs to loans | -0.0193% | 4,834 |
| Credit loss provision to net charge-offs | -1,833.3333% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7652% | 3,502 |
| Assets per employee ($millions) | 3.0509% | 5,455 |
| Cash dividends to net income (ytd only)* | 69.5931% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 4,772 |
| Loan loss allowance to noncurrent loans | 101.8602% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 2,613 |
| Noncurrent loans to loans | 0.9503% | 2,476 |
| Net loans and leases to total assets | 60.5958% | 3,702 |
| Net loans and leases to deposits | 70.6758% | 3,790 |
| Net loans and leases to core deposits | 74.7061% | 3,821 |
| Total domestic deposits to total assets | 85.7377% | 2,792 |
| Equity capital to assets | 11.4719% | 2,466 |
| Core capital (leverage) ratio | 9.9958% | 3,539 |
| Tier 1 risk-based capital ratio | 16.8295% | 2,355 |
| Total risk-based capital ratio | 17.8239% | 2,397 |
| Memoranda: | ||
| Average total assets | $309,678,000 | 2,132 |
| Average earning assets | $275,658,500 | 2,209 |
| Average equity | $34,871,500 | 2,095 |
| Average total loans | $186,234,000 | 2,247 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3584% | 340 |
| Cost of funding earning assets | 0.3298% | 3,910 |
| Net interest margin | 5.0285% | 238 |
| Noninterest income to average assets | 1.3213% | 692 |
| Noninterest expense to average assets | 4.0047% | 670 |
| Loan and lease loss provision to assets | 0.1189% | 2,004 |
| Net operating income to assets | 1.6595% | 620 |
| Return on assets (ROA) | 2.0853% | 305 |
| Pretax return on assets | 2.1094% | 418 |
| Return on Equity (ROE) | 18.8866% | 318 |
| Retained earnings to average equity (ytd only) | 7.6677% | 1,031 |
| Net charge-offs to loans | 0.3654% | 798 |
| Credit loss provision to net charge-offs | 56.0748% | 3,313 |
| Earnings coverage of net charge-offs (x) | 8.4798% | 2,942 |
| Efficiency ratio | 67.5319% | 3,658 |
| Assets per employee ($millions) | 3.2024% | 5,292 |
| Cash dividends to net income (ytd only)* | 59.4012% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 5,162 |
| Loan loss allowance to noncurrent loans | 94.4477% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7912% | 2,693 |
| Noncurrent loans to loans | 0.9306% | 2,475 |
| Net loans and leases to total assets | 58.6782% | 4,004 |
| Net loans and leases to deposits | 73.3431% | 3,570 |
| Net loans and leases to core deposits | 77.4962% | 3,607 |
| Total domestic deposits to total assets | 80.0050% | 4,740 |
| Equity capital to assets | 10.9349% | 2,892 |
| Core capital (leverage) ratio | 9.7973% | 3,782 |
| Tier 1 risk-based capital ratio | 16.4982% | 2,481 |
| Total risk-based capital ratio | 17.4008% | 2,578 |
| Memoranda: | ||
| Average total assets | $302,742,200 | 2,133 |
| Average earning assets | $269,821,800 | 2,203 |
| Average equity | $33,425,800 | 2,127 |
| Average total loans | $175,712,600 | 2,288 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 358 |
| Cost of funding earning assets | 0.3310% | 3,978 |
| Net interest margin | 4.9970% | 257 |
| Noninterest income to average assets | 1.4232% | 614 |
| Noninterest expense to average assets | 4.0168% | 650 |
| Loan and lease loss provision to assets | 0.2200% | 862 |
| Net operating income to assets | 1.6184% | 742 |
| Return on assets (ROA) | 2.1913% | 275 |
| Pretax return on assets | 2.2206% | 393 |
| Return on Equity (ROE) | 19.7971% | 284 |
| Retained earnings to average equity (ytd only) | 9.7580% | 680 |
| Net charge-offs to loans | 0.4627% | 545 |
| Credit loss provision to net charge-offs | 82.3627% | 2,576 |
| Earnings coverage of net charge-offs (x) | 6.9701% | 2,970 |
| Efficiency ratio | 66.8532% | 3,742 |
| Assets per employee ($millions) | 3.0210% | 5,526 |
| Cash dividends to net income (ytd only)* | 50.7099% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 4,683 |
| Loan loss allowance to noncurrent loans | 55.8678% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 1,771 |
| Noncurrent loans to loans | 1.8111% | 1,308 |
| Net loans and leases to total assets | 58.5825% | 4,070 |
| Net loans and leases to deposits | 71.0100% | 3,875 |
| Net loans and leases to core deposits | 74.6457% | 3,943 |
| Total domestic deposits to total assets | 82.4990% | 3,991 |
| Equity capital to assets | 11.1049% | 2,900 |
| Core capital (leverage) ratio | 9.8842% | 3,789 |
| Tier 1 risk-based capital ratio | 17.4243% | 2,209 |
| Total risk-based capital ratio | 18.4839% | 2,233 |
| Memoranda: | ||
| Average total assets | $299,968,000 | 2,164 |
| Average earning assets | $267,460,250 | 2,228 |
| Average equity | $33,202,750 | 2,153 |
| Average total loans | $173,193,750 | 2,330 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 372 |
| Cost of funding earning assets | 0.3294% | 4,058 |
| Net interest margin | 4.9510% | 277 |
| Noninterest income to average assets | 1.3273% | 695 |
| Noninterest expense to average assets | 4.0026% | 673 |
| Loan and lease loss provision to assets | 0.2205% | 862 |
| Net operating income to assets | 1.5138% | 877 |
| Return on assets (ROA) | 2.3665% | 215 |
| Pretax return on assets | 2.4040% | 283 |
| Return on Equity (ROE) | 21.4037% | 217 |
| Retained earnings to average equity (ytd only) | 10.8258% | 527 |
| Net charge-offs to loans | 0.0385% | 2,912 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 79.5455% | 710 |
| Efficiency ratio | 68.0172% | 3,667 |
| Assets per employee ($millions) | 2.9626% | 5,637 |
| Cash dividends to net income (ytd only)* | 49.4211% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 3,681 |
| Loan loss allowance to noncurrent loans | 44.1341% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 1.6636% | 1,436 |
| Noncurrent loans to loans | 2.7599% | 765 |
| Net loans and leases to total assets | 59.3640% | 3,924 |
| Net loans and leases to deposits | 71.9271% | 3,729 |
| Net loans and leases to core deposits | 75.7008% | 3,800 |
| Total domestic deposits to total assets | 82.5335% | 4,113 |
| Equity capital to assets | 10.8003% | 3,106 |
| Core capital (leverage) ratio | 9.6527% | 4,069 |
| Tier 1 risk-based capital ratio | 16.0152% | 2,851 |
| Total risk-based capital ratio | 17.2541% | 2,815 |
| Memoranda: | ||
| Average total assets | $299,256,670 | 2,188 |
| Average earning assets | $267,745,000 | 2,253 |
| Average equity | $33,087,670 | 2,166 |
| Average total loans | $171,329,000 | 2,358 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2661% | 373 |
| Cost of funding earning assets | 0.3293% | 4,105 |
| Net interest margin | 4.9368% | 274 |
| Noninterest income to average assets | 1.1592% | 848 |
| Noninterest expense to average assets | 3.9303% | 740 |
| Loan and lease loss provision to assets | 0.2216% | 796 |
| Net operating income to assets | 1.4129% | 1,010 |
| Return on assets (ROA) | 2.9967% | 91 |
| Pretax return on assets | 3.0169% | 130 |
| Return on Equity (ROE) | 26.7883% | 84 |
| Retained earnings to average equity (ytd only) | 14.7810% | 304 |
| Net charge-offs to loans | -0.0313% | 5,283 |
| Credit loss provision to net charge-offs | -1,269.2308% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0063% | 3,660 |
| Assets per employee ($millions) | 3.0392% | 5,620 |
| Cash dividends to net income (ytd only)* | 44.8229% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 3,678 |
| Loan loss allowance to noncurrent loans | 60.2070% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1444% | 2,344 |
| Noncurrent loans to loans | 2.0780% | 1,241 |
| Net loans and leases to total assets | 54.3826% | 4,393 |
| Net loans and leases to deposits | 62.3349% | 4,543 |
| Net loans and leases to core deposits | 65.3703% | 4,582 |
| Total domestic deposits to total assets | 87.2427% | 2,246 |
| Equity capital to assets | 11.1023% | 2,858 |
| Core capital (leverage) ratio | 9.8153% | 3,866 |
| Tier 1 risk-based capital ratio | 16.7178% | 2,590 |
| Total risk-based capital ratio | 17.9193% | 2,561 |
| Memoranda: | ||
| Average total assets | $297,792,500 | 2,210 |
| Average earning assets | $266,003,000 | 2,277 |
| Average equity | $33,313,000 | 2,159 |
| Average total loans | $166,193,000 | 2,421 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 346 |
| Cost of funding earning assets | 0.3568% | 4,180 |
| Net interest margin | 5.0954% | 253 |
| Noninterest income to average assets | 1.2777% | 744 |
| Noninterest expense to average assets | 3.8596% | 901 |
| Loan and lease loss provision to assets | 0.1121% | 2,301 |
| Net operating income to assets | 1.8223% | 457 |
| Return on assets (ROA) | 1.9011% | 406 |
| Pretax return on assets | 1.9230% | 603 |
| Return on Equity (ROE) | 18.1126% | 386 |
| Retained earnings to average equity (ytd only) | 6.7210% | 1,537 |
| Net charge-offs to loans | 0.4424% | 954 |
| Credit loss provision to net charge-offs | 47.8832% | 3,529 |
| Earnings coverage of net charge-offs (x) | 8.3562% | 2,893 |
| Efficiency ratio | 64.8455% | 4,429 |
| Assets per employee ($millions) | 2.9762% | 5,731 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 4,217 |
| Loan loss allowance to noncurrent loans | 53.4747% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.2285% | 2,314 |
| Noncurrent loans to loans | 2.1713% | 1,237 |
| Net loans and leases to total assets | 55.9191% | 4,350 |
| Net loans and leases to deposits | 64.7884% | 4,451 |
| Net loans and leases to core deposits | 68.2871% | 4,473 |
| Total domestic deposits to total assets | 86.3104% | 2,666 |
| Equity capital to assets | 11.2745% | 2,624 |
| Core capital (leverage) ratio | 8.9444% | 5,070 |
| Tier 1 risk-based capital ratio | 16.2461% | 2,838 |
| Total risk-based capital ratio | 17.4372% | 2,807 |
| Memoranda: | ||
| Average total assets | $292,721,600 | 2,194 |
| Average earning assets | $260,666,400 | 2,268 |
| Average equity | $30,724,400 | 2,234 |
| Average total loans | $154,839,600 | 2,500 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 342 |
| Cost of funding earning assets | 0.3625% | 4,211 |
| Net interest margin | 5.0857% | 252 |
| Noninterest income to average assets | 1.4371% | 612 |
| Noninterest expense to average assets | 3.8135% | 955 |
| Loan and lease loss provision to assets | 0.2790% | 737 |
| Net operating income to assets | 1.8472% | 465 |
| Return on assets (ROA) | 1.8999% | 435 |
| Pretax return on assets | 1.9245% | 676 |
| Return on Equity (ROE) | 18.4417% | 403 |
| Retained earnings to average equity (ytd only) | 7.3988% | 1,621 |
| Net charge-offs to loans | 0.4360% | 907 |
| Credit loss provision to net charge-offs | 123.0924% | 1,873 |
| Earnings coverage of net charge-offs (x) | 9.4880% | 2,664 |
| Efficiency ratio | 62.4571% | 4,817 |
| Assets per employee ($millions) | 3.1107% | 5,577 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 2,690 |
| Loan loss allowance to noncurrent loans | 72.1886% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.1313% | 2,693 |
| Noncurrent loans to loans | 2.0829% | 1,506 |
| Net loans and leases to total assets | 53.4972% | 4,636 |
| Net loans and leases to deposits | 62.9669% | 4,646 |
| Net loans and leases to core deposits | 66.1189% | 4,697 |
| Total domestic deposits to total assets | 84.9609% | 3,350 |
| Equity capital to assets | 11.0655% | 2,887 |
| Core capital (leverage) ratio | 8.8327% | 5,293 |
| Tier 1 risk-based capital ratio | 16.4484% | 2,834 |
| Total risk-based capital ratio | 17.7017% | 2,786 |
| Memoranda: | ||
| Average total assets | $292,985,500 | 2,210 |
| Average earning assets | $260,779,500 | 2,285 |
| Average equity | $30,184,500 | 2,272 |
| Average total loans | $152,296,250 | 2,539 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4469% | 344 |
| Cost of funding earning assets | 0.3633% | 4,282 |
| Net interest margin | 5.0835% | 244 |
| Noninterest income to average assets | 1.6072% | 490 |
| Noninterest expense to average assets | 3.7915% | 982 |
| Loan and lease loss provision to assets | 0.3111% | 622 |
| Net operating income to assets | 2.0072% | 332 |
| Return on assets (ROA) | 2.0840% | 294 |
| Pretax return on assets | 2.1168% | 433 |
| Return on Equity (ROE) | 20.7395% | 252 |
| Retained earnings to average equity (ytd only) | 8.8593% | 1,034 |
| Net charge-offs to loans | 0.6195% | 638 |
| Credit loss provision to net charge-offs | 98.0645% | 2,046 |
| Earnings coverage of net charge-offs (x) | 7.4065% | 2,635 |
| Efficiency ratio | 60.2977% | 5,251 |
| Assets per employee ($millions) | 3.1383% | 5,531 |
| Cash dividends to net income (ytd only)* | 57.2831% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 3,035 |
| Loan loss allowance to noncurrent loans | 63.7029% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 2,612 |
| Noncurrent loans to loans | 2.3058% | 1,405 |
| Net loans and leases to total assets | 52.0349% | 4,742 |
| Net loans and leases to deposits | 61.2858% | 4,752 |
| Net loans and leases to core deposits | 64.1939% | 4,803 |
| Total domestic deposits to total assets | 84.9052% | 3,560 |
| Equity capital to assets | 10.8082% | 3,081 |
| Core capital (leverage) ratio | 8.7476% | 5,344 |
| Tier 1 risk-based capital ratio | 16.9218% | 2,651 |
| Total risk-based capital ratio | 18.1753% | 2,614 |
| Memoranda: | ||
| Average total assets | $293,179,330 | 2,206 |
| Average earning assets | $261,472,000 | 2,274 |
| Average equity | $29,460,670 | 2,300 |
| Average total loans | $150,123,000 | 2,574 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 318 |
| Cost of funding earning assets | 0.3630% | 4,409 |
| Net interest margin | 5.0824% | 230 |
| Noninterest income to average assets | 1.7670% | 410 |
| Noninterest expense to average assets | 3.8116% | 963 |
| Loan and lease loss provision to assets | 0.3104% | 610 |
| Net operating income to assets | 2.1534% | 260 |
| Return on assets (ROA) | 2.1386% | 279 |
| Pretax return on assets | 2.1658% | 377 |
| Return on Equity (ROE) | 22.1124% | 194 |
| Retained earnings to average equity (ytd only) | 8.0370% | 1,582 |
| Net charge-offs to loans | 0.9506% | 363 |
| Credit loss provision to net charge-offs | 64.7727% | 2,056 |
| Earnings coverage of net charge-offs (x) | 5.1989% | 2,409 |
| Efficiency ratio | 59.0713% | 5,532 |
| Assets per employee ($millions) | 3.0658% | 5,746 |
| Cash dividends to net income (ytd only)* | 63.6537% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 3,320 |
| Loan loss allowance to noncurrent loans | 50.2691% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 2,380 |
| Noncurrent loans to loans | 2.9099% | 1,117 |
| Net loans and leases to total assets | 49.1647% | 4,986 |
| Net loans and leases to deposits | 56.3532% | 5,085 |
| Net loans and leases to core deposits | 58.8072% | 5,142 |
| Total domestic deposits to total assets | 87.2439% | 2,670 |
| Equity capital to assets | 9.9768% | 3,871 |
| Core capital (leverage) ratio | 8.6133% | 5,512 |
| Tier 1 risk-based capital ratio | 16.5294% | 2,887 |
| Total risk-based capital ratio | 17.7822% | 2,852 |
| Memoranda: | ||
| Average total assets | $293,838,000 | 2,207 |
| Average earning assets | $262,240,000 | 2,268 |
| Average equity | $28,418,500 | 2,374 |
| Average total loans | $148,117,500 | 2,612 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 318 |
| Cost of funding earning assets | 0.4376% | 4,243 |
| Net interest margin | 5.1469% | 233 |
| Noninterest income to average assets | 0.8606% | 1,826 |
| Noninterest expense to average assets | 3.7554% | 1,207 |
| Loan and lease loss provision to assets | 0.3025% | 1,109 |
| Net operating income to assets | 1.3485% | 1,138 |
| Return on assets (ROA) | 1.3558% | 1,165 |
| Pretax return on assets | 1.3828% | 1,855 |
| Return on Equity (ROE) | 13.0914% | 1,152 |
| Retained earnings to average equity (ytd only) | 1.6077% | 5,071 |
| Net charge-offs to loans | 0.0679% | 4,262 |
| Credit loss provision to net charge-offs | 896.8421% | 282 |
| Earnings coverage of net charge-offs (x) | 49.7474% | 795 |
| Efficiency ratio | 67.4987% | 4,290 |
| Assets per employee ($millions) | 2.9336% | 5,932 |
| Cash dividends to net income (ytd only)* | 87.7193% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 3,096 |
| Loan loss allowance to noncurrent loans | 83.7141% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 3,464 |
| Noncurrent loans to loans | 1.8167% | 2,215 |
| Net loans and leases to total assets | 50.1485% | 5,067 |
| Net loans and leases to deposits | 58.8597% | 5,051 |
| Net loans and leases to core deposits | 61.6905% | 5,089 |
| Total domestic deposits to total assets | 85.1999% | 3,639 |
| Equity capital to assets | 9.3652% | 4,595 |
| Core capital (leverage) ratio | 8.6201% | 5,519 |
| Tier 1 risk-based capital ratio | 12.9576% | 5,003 |
| Total risk-based capital ratio | 14.1940% | 4,971 |
| Memoranda: | ||
| Average total assets | $281,676,800 | 2,257 |
| Average earning assets | $250,247,000 | 2,321 |
| Average equity | $29,171,800 | 2,303 |
| Average total loans | $139,999,800 | 2,701 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5731% | 334 |
| Cost of funding earning assets | 0.4549% | 4,219 |
| Net interest margin | 5.1182% | 248 |
| Noninterest income to average assets | 0.7763% | 2,258 |
| Noninterest expense to average assets | 3.7408% | 1,180 |
| Loan and lease loss provision to assets | 0.2348% | 1,540 |
| Net operating income to assets | 1.3208% | 1,292 |
| Return on assets (ROA) | 1.3306% | 1,323 |
| Pretax return on assets | 1.3526% | 2,114 |
| Return on Equity (ROE) | 12.5328% | 1,347 |
| Retained earnings to average equity (ytd only) | 1.2704% | 5,476 |
| Net charge-offs to loans | 0.0262% | 4,601 |
| Credit loss provision to net charge-offs | 1,818.5185% | 178 |
| Earnings coverage of net charge-offs (x) | 122.1450% | 428 |
| Efficiency ratio | 68.6932% | 3,960 |
| Assets per employee ($millions) | 2.9610% | 5,910 |
| Cash dividends to net income (ytd only)* | 89.8634% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 3,902 |
| Loan loss allowance to noncurrent loans | 68.3356% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 3,344 |
| Noncurrent loans to loans | 2.0469% | 2,197 |
| Net loans and leases to total assets | 49.5926% | 5,183 |
| Net loans and leases to deposits | 56.2817% | 5,350 |
| Net loans and leases to core deposits | 58.7098% | 5,390 |
| Total domestic deposits to total assets | 88.1149% | 2,047 |
| Equity capital to assets | 9.6941% | 4,310 |
| Core capital (leverage) ratio | 8.4598% | 5,805 |
| Tier 1 risk-based capital ratio | 13.5694% | 4,715 |
| Total risk-based capital ratio | 14.7092% | 4,733 |
| Memoranda: | ||
| Average total assets | $278,755,250 | 2,288 |
| Average earning assets | $247,371,750 | 2,364 |
| Average equity | $29,596,250 | 2,295 |
| Average total loans | $137,652,500 | 2,747 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6223% | 305 |
| Cost of funding earning assets | 0.4732% | 4,166 |
| Net interest margin | 5.1491% | 227 |
| Noninterest income to average assets | 1.0205% | 1,470 |
| Noninterest expense to average assets | 3.7940% | 1,104 |
| Loan and lease loss provision to assets | 0.1893% | 1,998 |
| Net operating income to assets | 1.5735% | 780 |
| Return on assets (ROA) | 1.6754% | 716 |
| Pretax return on assets | 1.6977% | 1,120 |
| Return on Equity (ROE) | 15.3299% | 754 |
| Retained earnings to average equity (ytd only) | 3.8061% | 3,879 |
| Net charge-offs to loans | -0.0279% | 6,079 |
| Credit loss provision to net charge-offs | -1,384.2105% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4946% | 4,450 |
| Assets per employee ($millions) | 3.0307% | 5,797 |
| Cash dividends to net income (ytd only)* | 75.1718% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 4,596 |
| Loan loss allowance to noncurrent loans | 79.4611% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3469% | 3,078 |
| Noncurrent loans to loans | 1.6136% | 2,891 |
| Net loans and leases to total assets | 48.1057% | 5,320 |
| Net loans and leases to deposits | 55.9774% | 5,347 |
| Net loans and leases to core deposits | 59.0569% | 5,341 |
| Total domestic deposits to total assets | 85.9377% | 3,408 |
| Equity capital to assets | 10.0445% | 3,860 |
| Core capital (leverage) ratio | 8.5533% | 5,607 |
| Tier 1 risk-based capital ratio | 13.7368% | 4,614 |
| Total risk-based capital ratio | 14.7755% | 4,708 |
| Memoranda: | ||
| Average total assets | $277,909,000 | 2,304 |
| Average earning assets | $245,985,670 | 2,389 |
| Average equity | $30,372,000 | 2,256 |
| Average total loans | $136,376,670 | 2,769 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 331 |
| Cost of funding earning assets | 0.4789% | 4,290 |
| Net interest margin | 5.0910% | 242 |
| Noninterest income to average assets | 0.8193% | 2,052 |
| Noninterest expense to average assets | 3.7713% | 1,150 |
| Loan and lease loss provision to assets | 0.3283% | 1,027 |
| Net operating income to assets | 1.2004% | 1,526 |
| Return on assets (ROA) | 1.2004% | 1,634 |
| Pretax return on assets | 1.2224% | 2,500 |
| Return on Equity (ROE) | 10.5344% | 1,862 |
| Retained earnings to average equity (ytd only) | -2.3281% | 6,115 |
| Net charge-offs to loans | -0.0119% | 5,503 |
| Credit loss provision to net charge-offs | -5,600.0000% | 5,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4024% | 4,077 |
| Assets per employee ($millions) | 2.9787% | 6,024 |
| Cash dividends to net income (ytd only)* | 122.1001% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 4,608 |
| Loan loss allowance to noncurrent loans | 672.9730% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 4,745 |
| Noncurrent loans to loans | 0.1957% | 5,914 |
| Net loans and leases to total assets | 44.7431% | 5,584 |
| Net loans and leases to deposits | 51.3277% | 5,681 |
| Net loans and leases to core deposits | 54.0878% | 5,660 |
| Total domestic deposits to total assets | 87.1713% | 2,852 |
| Equity capital to assets | 10.6554% | 3,374 |
| Core capital (leverage) ratio | 8.7863% | 5,211 |
| Tier 1 risk-based capital ratio | 13.8820% | 4,585 |
| Total risk-based capital ratio | 14.9356% | 4,696 |
| Memoranda: | ||
| Average total assets | $272,904,500 | 2,366 |
| Average earning assets | $241,366,000 | 2,462 |
| Average equity | $31,098,000 | 2,234 |
| Average total loans | $134,413,000 | 2,810 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4121% | 142 |
| Cost of funding earning assets | 0.6093% | 4,257 |
| Net interest margin | 5.8028% | 104 |
| Noninterest income to average assets | 1.1510% | 1,178 |
| Noninterest expense to average assets | 3.8691% | 1,137 |
| Loan and lease loss provision to assets | 0.5275% | 1,102 |
| Net operating income to assets | 1.8742% | 450 |
| Return on assets (ROA) | 2.1954% | 280 |
| Pretax return on assets | 2.2085% | 403 |
| Return on Equity (ROE) | 17.9983% | 447 |
| Retained earnings to average equity (ytd only) | 7.7414% | 1,214 |
| Net charge-offs to loans | 0.8866% | 1,286 |
| Credit loss provision to net charge-offs | 113.1047% | 2,572 |
| Earnings coverage of net charge-offs (x) | 5.1706% | 3,123 |
| Efficiency ratio | 60.3684% | 5,490 |
| Assets per employee ($millions) | 3.0590% | 5,923 |
| Cash dividends to net income (ytd only)* | 56.9880% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 5,516 |
| Loan loss allowance to noncurrent loans | 559.0406% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.8460% | 4,362 |
| Noncurrent loans to loans | 0.1986% | 5,973 |
| Net loans and leases to total assets | 53.1544% | 4,736 |
| Net loans and leases to deposits | 67.7250% | 4,024 |
| Net loans and leases to core deposits | 70.5875% | 4,220 |
| Total domestic deposits to total assets | 78.4856% | 5,993 |
| Equity capital to assets | 12.2458% | 1,892 |
| Core capital (leverage) ratio | 9.3599% | 4,322 |
| Tier 1 risk-based capital ratio | 14.2817% | 4,180 |
| Total risk-based capital ratio | 15.2395% | 4,352 |
| Memoranda: | ||
| Average total assets | $243,780,400 | 2,592 |
| Average earning assets | $215,499,400 | 2,668 |
| Average equity | $29,736,200 | 2,266 |
| Average total loans | $128,245,800 | 2,913 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3675% | 161 |
| Cost of funding earning assets | 0.6343% | 4,323 |
| Net interest margin | 5.7333% | 134 |
| Noninterest income to average assets | 1.2170% | 1,008 |
| Noninterest expense to average assets | 3.9687% | 976 |
| Loan and lease loss provision to assets | 0.7384% | 676 |
| Net operating income to assets | 1.5747% | 905 |
| Return on assets (ROA) | 1.7564% | 689 |
| Pretax return on assets | 1.7691% | 1,124 |
| Return on Equity (ROE) | 14.4137% | 1,022 |
| Retained earnings to average equity (ytd only) | 5.1160% | 3,283 |
| Net charge-offs to loans | 1.2595% | 757 |
| Credit loss provision to net charge-offs | 112.0805% | 2,612 |
| Earnings coverage of net charge-offs (x) | 3.5277% | 3,608 |
| Efficiency ratio | 61.8215% | 5,183 |
| Assets per employee ($millions) | 3.0605% | 5,946 |
| Cash dividends to net income (ytd only)* | 64.5061% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 5,563 |
| Loan loss allowance to noncurrent loans | 89.0330% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.4502% | 3,427 |
| Noncurrent loans to loans | 1.2787% | 3,906 |
| Net loans and leases to total assets | 52.8937% | 4,931 |
| Net loans and leases to deposits | 65.2279% | 4,566 |
| Net loans and leases to core deposits | 68.7328% | 4,645 |
| Total domestic deposits to total assets | 81.0907% | 5,323 |
| Equity capital to assets | 12.3341% | 2,008 |
| Core capital (leverage) ratio | 8.9149% | 5,170 |
| Tier 1 risk-based capital ratio | 13.4650% | 4,900 |
| Total risk-based capital ratio | 14.4165% | 5,086 |
| Memoranda: | ||
| Average total assets | $241,250,500 | 2,639 |
| Average earning assets | $213,578,750 | 2,714 |
| Average equity | $29,397,250 | 2,307 |
| Average total loans | $126,188,750 | 2,988 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 283 |
| Cost of funding earning assets | 0.6501% | 4,440 |
| Net interest margin | 5.3773% | 220 |
| Noninterest income to average assets | 1.5939% | 584 |
| Noninterest expense to average assets | 3.9308% | 1,037 |
| Loan and lease loss provision to assets | 0.3364% | 1,963 |
| Net operating income to assets | 2.0767% | 348 |
| Return on assets (ROA) | 2.0767% | 387 |
| Pretax return on assets | 2.0884% | 586 |
| Return on Equity (ROE) | 17.1147% | 623 |
| Retained earnings to average equity (ytd only) | 7.4610% | 1,894 |
| Net charge-offs to loans | 0.4321% | 2,312 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 10.8134% | 2,016 |
| Efficiency ratio | 60.5977% | 5,486 |
| Assets per employee ($millions) | 3.1660% | 5,716 |
| Cash dividends to net income (ytd only)* | 56.4061% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,708 |
| Loan loss allowance to noncurrent loans | 348.8372% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 5,411 |
| Noncurrent loans to loans | 0.3205% | 5,912 |
| Net loans and leases to total assets | 53.7200% | 4,851 |
| Net loans and leases to deposits | 63.9802% | 4,768 |
| Net loans and leases to core deposits | 69.4666% | 4,603 |
| Total domestic deposits to total assets | 83.9635% | 4,328 |
| Equity capital to assets | 12.0863% | 2,082 |
| Core capital (leverage) ratio | 9.1464% | 4,692 |
| Tier 1 risk-based capital ratio | 13.8553% | 4,551 |
| Total risk-based capital ratio | 14.8325% | 4,729 |
| Memoranda: | ||
| Average total assets | $239,034,330 | 2,668 |
| Average earning assets | $211,667,000 | 2,738 |
| Average equity | $29,004,330 | 2,324 |
| Average total loans | $124,040,670 | 3,048 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0750% | 275 |
| Cost of funding earning assets | 0.6671% | 4,563 |
| Net interest margin | 5.4079% | 214 |
| Noninterest income to average assets | 1.6046% | 563 |
| Noninterest expense to average assets | 3.9459% | 1,000 |
| Loan and lease loss provision to assets | 0.3420% | 1,831 |
| Net operating income to assets | 2.0946% | 356 |
| Return on assets (ROA) | 2.0946% | 410 |
| Pretax return on assets | 2.1031% | 631 |
| Return on Equity (ROE) | 17.2270% | 634 |
| Retained earnings to average equity (ytd only) | 8.1307% | 1,930 |
| Net charge-offs to loans | 0.2488% | 2,682 |
| Credit loss provision to net charge-offs | 271.6216% | 1,076 |
| Earnings coverage of net charge-offs (x) | 19.4189% | 1,227 |
| Efficiency ratio | 60.4899% | 5,545 |
| Assets per employee ($millions) | 2.9978% | 6,155 |
| Cash dividends to net income (ytd only)* | 52.8026% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 5,339 |
| Loan loss allowance to noncurrent loans | 253.0508% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.8512% | 4,828 |
| Noncurrent loans to loans | 0.4882% | 5,697 |
| Net loans and leases to total assets | 49.1541% | 5,415 |
| Net loans and leases to deposits | 58.7370% | 5,300 |
| Net loans and leases to core deposits | 61.7446% | 5,350 |
| Total domestic deposits to total assets | 83.6850% | 4,642 |
| Equity capital to assets | 11.9274% | 2,094 |
| Core capital (leverage) ratio | 9.0552% | 4,756 |
| Tier 1 risk-based capital ratio | 14.9979% | 3,765 |
| Total risk-based capital ratio | 16.0787% | 3,833 |
| Memoranda: | ||
| Average total assets | $235,077,000 | 2,717 |
| Average earning assets | $208,067,500 | 2,797 |
| Average equity | $28,583,000 | 2,355 |
| Average total loans | $118,980,500 | 3,174 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4182% | 207 |
| Cost of funding earning assets | 0.8755% | 4,289 |
| Net interest margin | 5.5428% | 165 |
| Noninterest income to average assets | 1.8103% | 440 |
| Noninterest expense to average assets | 4.3356% | 697 |
| Loan and lease loss provision to assets | 1.2320% | 700 |
| Net operating income to assets | 1.1232% | 1,743 |
| Return on assets (ROA) | 1.1232% | 1,865 |
| Pretax return on assets | 1.1199% | 2,766 |
| Return on Equity (ROE) | 9.8868% | 2,095 |
| Retained earnings to average equity (ytd only) | 4.1577% | 3,223 |
| Net charge-offs to loans | 2.1406% | 614 |
| Credit loss provision to net charge-offs | 104.6190% | 3,277 |
| Earnings coverage of net charge-offs (x) | 1.9972% | 4,288 |
| Efficiency ratio | 64.1710% | 5,099 |
| Assets per employee ($millions) | 2.8776% | 6,322 |
| Cash dividends to net income (ytd only)* | 57.9470% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 5,552 |
| Loan loss allowance to noncurrent loans | 360.4222% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 4,818 |
| Noncurrent loans to loans | 0.3236% | 6,084 |
| Net loans and leases to total assets | 50.9145% | 5,476 |
| Net loans and leases to deposits | 61.0298% | 5,362 |
| Net loans and leases to core deposits | 64.0957% | 5,453 |
| Total domestic deposits to total assets | 83.4257% | 4,579 |
| Equity capital to assets | 12.4064% | 1,852 |
| Core capital (leverage) ratio | 9.0889% | 4,637 |
| Tier 1 risk-based capital ratio | 15.9011% | 3,091 |
| Total risk-based capital ratio | 16.9822% | 3,160 |
| Memoranda: | ||
| Average total assets | $215,101,200 | 2,892 |
| Average earning assets | $189,273,600 | 2,974 |
| Average equity | $24,436,600 | 2,626 |
| Average total loans | $118,330,600 | 3,211 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4315% | 215 |
| Cost of funding earning assets | 0.9157% | 4,298 |
| Net interest margin | 5.5158% | 168 |
| Noninterest income to average assets | 1.9492% | 398 |
| Noninterest expense to average assets | 4.4128% | 626 |
| Loan and lease loss provision to assets | 1.2419% | 618 |
| Net operating income to assets | 1.1601% | 1,780 |
| Return on assets (ROA) | 1.1601% | 1,889 |
| Pretax return on assets | 1.1538% | 2,813 |
| Return on Equity (ROE) | 10.4702% | 2,045 |
| Retained earnings to average equity (ytd only) | 8.2002% | 1,430 |
| Net charge-offs to loans | 2.4152% | 463 |
| Credit loss provision to net charge-offs | 91.9032% | 3,711 |
| Earnings coverage of net charge-offs (x) | 1.7729% | 4,327 |
| Efficiency ratio | 64.3794% | 4,998 |
| Assets per employee ($millions) | 2.6566% | 6,717 |
| Cash dividends to net income (ytd only)* | 21.6802% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 6,711 |
| Loan loss allowance to noncurrent loans | 112.4347% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.7427% | 3,484 |
| Noncurrent loans to loans | 0.7606% | 5,353 |
| Net loans and leases to total assets | 55.8985% | 4,859 |
| Net loans and leases to deposits | 66.0549% | 4,897 |
| Net loans and leases to core deposits | 69.3932% | 5,019 |
| Total domestic deposits to total assets | 84.6243% | 3,955 |
| Equity capital to assets | 12.8192% | 1,705 |
| Core capital (leverage) ratio | 9.4943% | 4,151 |
| Tier 1 risk-based capital ratio | 17.2737% | 2,539 |
| Total risk-based capital ratio | 18.1817% | 2,641 |
| Memoranda: | ||
| Average total assets | $212,043,000 | 2,930 |
| Average earning assets | $186,804,500 | 3,014 |
| Average equity | $23,494,750 | 2,728 |
| Average total loans | $118,635,250 | 3,230 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3287% | 269 |
| Cost of funding earning assets | 0.9353% | 4,422 |
| Net interest margin | 5.3934% | 215 |
| Noninterest income to average assets | 1.5340% | 540 |
| Noninterest expense to average assets | 4.3535% | 699 |
| Loan and lease loss provision to assets | 0.6777% | 1,422 |
| Net operating income to assets | 1.2768% | 1,377 |
| Return on assets (ROA) | 1.2768% | 1,443 |
| Pretax return on assets | 1.2633% | 2,259 |
| Return on Equity (ROE) | 12.2071% | 1,434 |
| Retained earnings to average equity (ytd only) | 9.9125% | 867 |
| Net charge-offs to loans | 1.6070% | 912 |
| Credit loss provision to net charge-offs | 75.5889% | 3,897 |
| Earnings coverage of net charge-offs (x) | 2.1649% | 3,762 |
| Efficiency ratio | 69.1627% | 4,294 |
| Assets per employee ($millions) | 2.6074% | 6,781 |
| Cash dividends to net income (ytd only)* | 18.7970% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 6,821 |
| Loan loss allowance to noncurrent loans | 36.7230% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 1.7492% | 3,578 |
| Noncurrent loans to loans | 2.2532% | 3,158 |
| Net loans and leases to total assets | 55.9262% | 5,009 |
| Net loans and leases to deposits | 64.2010% | 5,242 |
| Net loans and leases to core deposits | 67.2865% | 5,360 |
| Total domestic deposits to total assets | 87.1112% | 2,681 |
| Equity capital to assets | 10.8575% | 3,121 |
| Core capital (leverage) ratio | 7.6313% | 6,642 |
| Tier 1 risk-based capital ratio | 14.3288% | 3,916 |
| Total risk-based capital ratio | 15.2130% | 4,167 |
| Memoranda: | ||
| Average total assets | $208,338,000 | 2,994 |
| Average earning assets | $183,891,000 | 3,075 |
| Average equity | $21,790,670 | 2,899 |
| Average total loans | $116,241,000 | 3,312 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2826% | 292 |
| Cost of funding earning assets | 0.9020% | 4,908 |
| Net interest margin | 5.3807% | 197 |
| Noninterest income to average assets | 1.7655% | 439 |
| Noninterest expense to average assets | 4.2326% | 790 |
| Loan and lease loss provision to assets | 1.1547% | 616 |
| Net operating income to assets | 1.1409% | 1,698 |
| Return on assets (ROA) | 1.1409% | 1,743 |
| Pretax return on assets | 1.1508% | 2,559 |
| Return on Equity (ROE) | 11.1368% | 1,697 |
| Retained earnings to average equity (ytd only) | 7.2899% | 2,026 |
| Net charge-offs to loans | 0.4618% | 2,310 |
| Credit loss provision to net charge-offs | 450.7692% | 774 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,768 |
| Efficiency ratio | 64.7378% | 5,231 |
| Assets per employee ($millions) | 2.7063% | 6,684 |
| Cash dividends to net income (ytd only)* | 34.5423% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 4,293 |
| Loan loss allowance to noncurrent loans | 38.3457% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 2.4339% | 2,793 |
| Noncurrent loans to loans | 3.8651% | 1,901 |
| Net loans and leases to total assets | 49.8832% | 5,865 |
| Net loans and leases to deposits | 57.8736% | 5,938 |
| Net loans and leases to core deposits | 60.4883% | 6,057 |
| Total domestic deposits to total assets | 86.1934% | 3,405 |
| Equity capital to assets | 9.9229% | 3,869 |
| Core capital (leverage) ratio | 8.7900% | 4,949 |
| Tier 1 risk-based capital ratio | 12.6941% | 5,072 |
| Total risk-based capital ratio | 14.0561% | 4,956 |
| Memoranda: | ||
| Average total assets | $202,997,500 | 3,080 |
| Average earning assets | $180,052,500 | 3,146 |
| Average equity | $20,796,000 | 3,012 |
| Average total loans | $112,606,000 | 3,426 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2283% | 108 |
| Cost of funding earning assets | 1.4064% | 3,218 |
| Net interest margin | 5.8219% | 119 |
| Noninterest income to average assets | 1.2431% | 972 |
| Noninterest expense to average assets | 4.6352% | 578 |
| Loan and lease loss provision to assets | 0.3322% | 4,159 |
| Net operating income to assets | 1.3397% | 1,084 |
| Return on assets (ROA) | 1.3397% | 1,152 |
| Pretax return on assets | 1.3506% | 1,796 |
| Return on Equity (ROE) | 12.5890% | 1,195 |
| Retained earnings to average equity (ytd only) | 6.9183% | 1,357 |
| Net charge-offs to loans | 0.4453% | 3,832 |
| Credit loss provision to net charge-offs | 125.9259% | 3,226 |
| Earnings coverage of net charge-offs (x) | 6.3791% | 2,370 |
| Efficiency ratio | 73.3649% | 3,514 |
| Assets per employee ($millions) | 2.7916% | 6,530 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 5,808 |
| Loan loss allowance to noncurrent loans | 93.2786% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 4,977 |
| Noncurrent loans to loans | 1.2161% | 4,698 |
| Net loans and leases to total assets | 60.9285% | 4,499 |
| Net loans and leases to deposits | 71.7588% | 4,560 |
| Net loans and leases to core deposits | 75.2730% | 4,819 |
| Total domestic deposits to total assets | 84.9073% | 3,908 |
| Equity capital to assets | 10.6536% | 3,020 |
| Core capital (leverage) ratio | 8.4814% | 5,398 |
| Tier 1 risk-based capital ratio | 12.8348% | 4,741 |
| Total risk-based capital ratio | 13.9021% | 4,875 |
| Memoranda: | ||
| Average total assets | $173,994,800 | 3,465 |
| Average earning assets | $151,667,400 | 3,609 |
| Average equity | $18,516,200 | 3,349 |
| Average total loans | $103,076,200 | 3,707 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2599% | 110 |
| Cost of funding earning assets | 1.4804% | 3,086 |
| Net interest margin | 5.7795% | 118 |
| Noninterest income to average assets | 1.2004% | 970 |
| Noninterest expense to average assets | 4.6643% | 506 |
| Loan and lease loss provision to assets | 0.2762% | 4,376 |
| Net operating income to assets | 1.2760% | 1,398 |
| Return on assets (ROA) | 1.2760% | 1,481 |
| Pretax return on assets | 1.2775% | 2,239 |
| Return on Equity (ROE) | 11.9939% | 1,502 |
| Retained earnings to average equity (ytd only) | 4.3798% | 3,415 |
| Net charge-offs to loans | 0.5369% | 3,153 |
| Credit loss provision to net charge-offs | 87.7451% | 4,865 |
| Earnings coverage of net charge-offs (x) | 4.9362% | 2,893 |
| Efficiency ratio | 75.0124% | 3,141 |
| Assets per employee ($millions) | 2.7610% | 6,666 |
| Cash dividends to net income (ytd only)* | 63.4826% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 6,220 |
| Loan loss allowance to noncurrent loans | 97.3850% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 5,366 |
| Noncurrent loans to loans | 1.0675% | 5,105 |
| Net loans and leases to total assets | 57.2860% | 5,365 |
| Net loans and leases to deposits | 67.0541% | 5,537 |
| Net loans and leases to core deposits | 70.7624% | 5,673 |
| Total domestic deposits to total assets | 85.4325% | 3,393 |
| Equity capital to assets | 10.6493% | 3,348 |
| Core capital (leverage) ratio | 8.3183% | 5,835 |
| Tier 1 risk-based capital ratio | 12.5513% | 4,936 |
| Total risk-based capital ratio | 13.4963% | 5,191 |
| Memoranda: | ||
| Average total assets | $172,828,000 | 3,531 |
| Average earning assets | $150,043,250 | 3,684 |
| Average equity | $18,386,750 | 3,409 |
| Average total loans | $101,319,000 | 3,825 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2597% | 114 |
| Cost of funding earning assets | 1.5303% | 3,071 |
| Net interest margin | 5.7294% | 129 |
| Noninterest income to average assets | 1.1476% | 983 |
| Noninterest expense to average assets | 4.6842% | 483 |
| Loan and lease loss provision to assets | 0.2790% | 4,166 |
| Net operating income to assets | 1.1957% | 1,571 |
| Return on assets (ROA) | 1.1957% | 1,640 |
| Pretax return on assets | 1.1875% | 2,456 |
| Return on Equity (ROE) | 11.2428% | 1,673 |
| Retained earnings to average equity (ytd only) | 4.0783% | 3,485 |
| Net charge-offs to loans | 0.6410% | 2,621 |
| Credit loss provision to net charge-offs | 73.9130% | 4,864 |
| Earnings coverage of net charge-offs (x) | 3.8851% | 3,138 |
| Efficiency ratio | 76.1578% | 3,047 |
| Assets per employee ($millions) | 2.6087% | 6,939 |
| Cash dividends to net income (ytd only)* | 63.7255% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 6,124 |
| Loan loss allowance to noncurrent loans | 79.7256% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 4,262 |
| Noncurrent loans to loans | 1.3321% | 4,724 |
| Net loans and leases to total assets | 57.4683% | 5,495 |
| Net loans and leases to deposits | 68.7312% | 5,454 |
| Net loans and leases to core deposits | 70.2342% | 5,848 |
| Total domestic deposits to total assets | 83.6132% | 4,288 |
| Equity capital to assets | 10.9540% | 2,913 |
| Core capital (leverage) ratio | 8.4381% | 5,517 |
| Tier 1 risk-based capital ratio | 12.6405% | 4,742 |
| Total risk-based capital ratio | 13.5775% | 4,994 |
| Memoranda: | ||
| Average total assets | $170,614,670 | 3,591 |
| Average earning assets | $148,986,670 | 3,720 |
| Average equity | $18,145,000 | 3,438 |
| Average total loans | $100,462,000 | 3,881 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4442% | 111 |
| Cost of funding earning assets | 1.5609% | 3,200 |
| Net interest margin | 5.8833% | 118 |
| Noninterest income to average assets | 1.1102% | 1,023 |
| Noninterest expense to average assets | 4.6325% | 499 |
| Loan and lease loss provision to assets | 0.3062% | 3,589 |
| Net operating income to assets | 1.3135% | 1,268 |
| Return on assets (ROA) | 1.3135% | 1,341 |
| Pretax return on assets | 1.3252% | 1,981 |
| Return on Equity (ROE) | 12.5373% | 1,367 |
| Retained earnings to average equity (ytd only) | 3.6140% | 3,987 |
| Net charge-offs to loans | -0.0237% | 7,117 |
| Credit loss provision to net charge-offs | -2,183.3333% | 6,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9552% | 3,584 |
| Assets per employee ($millions) | 2.5945% | 7,048 |
| Cash dividends to net income (ytd only)* | 71.1744% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 5,150 |
| Loan loss allowance to noncurrent loans | 39.7179% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 2.4318% | 2,987 |
| Noncurrent loans to loans | 3.1735% | 2,525 |
| Net loans and leases to total assets | 58.8545% | 5,304 |
| Net loans and leases to deposits | 68.7331% | 5,505 |
| Net loans and leases to core deposits | 70.2962% | 5,889 |
| Total domestic deposits to total assets | 85.6276% | 3,351 |
| Equity capital to assets | 10.7885% | 2,965 |
| Core capital (leverage) ratio | 8.3107% | 5,722 |
| Tier 1 risk-based capital ratio | 11.9725% | 5,224 |
| Total risk-based capital ratio | 13.0636% | 5,322 |
| Memoranda: | ||
| Average total assets | $171,140,500 | 3,639 |
| Average earning assets | $149,915,500 | 3,753 |
| Average equity | $17,930,500 | 3,497 |
| Average total loans | $101,447,500 | 3,904 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4496% | 142 |
| Cost of funding earning assets | 2.1556% | 2,211 |
| Net interest margin | 5.2939% | 245 |
| Noninterest income to average assets | 1.8991% | 411 |
| Noninterest expense to average assets | 4.8595% | 580 |
| Loan and lease loss provision to assets | 0.5114% | 3,815 |
| Net operating income to assets | 1.1657% | 1,344 |
| Return on assets (ROA) | 1.1657% | 1,377 |
| Pretax return on assets | 1.1687% | 2,037 |
| Return on Equity (ROE) | 11.6880% | 1,237 |
| Retained earnings to average equity (ytd only) | 6.8731% | 1,012 |
| Net charge-offs to loans | 1.4209% | 1,767 |
| Credit loss provision to net charge-offs | 59.7475% | 6,642 |
| Earnings coverage of net charge-offs (x) | 1.9628% | 4,251 |
| Efficiency ratio | 74.3093% | 3,836 |
| Assets per employee ($millions) | 2.7562% | 6,742 |
| Cash dividends to net income (ytd only)* | 41.1946% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,875 |
| Loan loss allowance to noncurrent loans | 32.1398% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 2.5444% | 2,749 |
| Noncurrent loans to loans | 3.4374% | 2,214 |
| Net loans and leases to total assets | 58.3069% | 5,607 |
| Net loans and leases to deposits | 71.8300% | 5,351 |
| Net loans and leases to core deposits | 84.7200% | 5,655 |
| Total domestic deposits to total assets | 81.1735% | 5,278 |
| Equity capital to assets | 10.1746% | 3,536 |
| Core capital (leverage) ratio | 8.0276% | 6,126 |
| Tier 1 risk-based capital ratio | 11.8986% | 5,026 |
| Total risk-based capital ratio | 12.8778% | 5,225 |
| Memoranda: | ||
| Average total assets | $166,602,000 | 3,662 |
| Average earning assets | $146,035,200 | 3,778 |
| Average equity | $16,615,400 | 3,754 |
| Average total loans | $100,357,800 | 3,939 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3360% | 182 |
| Cost of funding earning assets | 2.2559% | 2,167 |
| Net interest margin | 5.0801% | 384 |
| Noninterest income to average assets | 1.8053% | 452 |
| Noninterest expense to average assets | 4.6791% | 623 |
| Loan and lease loss provision to assets | 0.3235% | 4,397 |
| Net operating income to assets | 1.2634% | 1,310 |
| Return on assets (ROA) | 1.2634% | 1,376 |
| Pretax return on assets | 1.2634% | 2,070 |
| Return on Equity (ROE) | 12.7357% | 1,165 |
| Retained earnings to average equity (ytd only) | 7.8436% | 1,182 |
| Net charge-offs to loans | 0.0628% | 6,073 |
| Credit loss provision to net charge-offs | 851.0638% | 448 |
| Earnings coverage of net charge-offs (x) | 41.7413% | 726 |
| Efficiency ratio | 74.6741% | 3,747 |
| Assets per employee ($millions) | 2.7142% | 6,818 |
| Cash dividends to net income (ytd only)* | 38.4124% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0231% | 1,742 |
| Loan loss allowance to noncurrent loans | 84.4417% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.9486% | 3,421 |
| Noncurrent loans to loans | 2.3958% | 3,146 |
| Net loans and leases to total assets | 58.2600% | 5,853 |
| Net loans and leases to deposits | 71.8448% | 5,677 |
| Net loans and leases to core deposits | 85.5798% | 5,905 |
| Total domestic deposits to total assets | 81.0915% | 5,043 |
| Equity capital to assets | 10.1250% | 3,933 |
| Core capital (leverage) ratio | 8.1434% | 6,114 |
| Tier 1 risk-based capital ratio | 12.2711% | 4,730 |
| Total risk-based capital ratio | 13.5270% | 4,667 |
| Memoranda: | ||
| Average total assets | $164,843,000 | 3,709 |
| Average earning assets | $144,743,750 | 3,824 |
| Average equity | $16,352,500 | 3,842 |
| Average total loans | $99,853,750 | 3,987 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5125% | 151 |
| Cost of funding earning assets | 2.3449% | 2,186 |
| Net interest margin | 5.1676% | 313 |
| Noninterest income to average assets | 1.8748% | 422 |
| Noninterest expense to average assets | 4.6157% | 686 |
| Loan and lease loss provision to assets | 0.2727% | 4,393 |
| Net operating income to assets | 1.5001% | 834 |
| Return on assets (ROA) | 1.5001% | 893 |
| Pretax return on assets | 1.4915% | 1,470 |
| Return on Equity (ROE) | 15.2317% | 795 |
| Retained earnings to average equity (ytd only) | 10.2418% | 680 |
| Net charge-offs to loans | -0.0625% | 7,880 |
| Credit loss provision to net charge-offs | -716.1290% | 7,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3474% | 4,339 |
| Assets per employee ($millions) | 2.7062% | 6,813 |
| Cash dividends to net income (ytd only)* | 32.7600% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0431% | 1,491 |
| Loan loss allowance to noncurrent loans | 81.5077% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6102% | 3,797 |
| Noncurrent loans to loans | 2.5066% | 2,886 |
| Net loans and leases to total assets | 56.8405% | 6,110 |
| Net loans and leases to deposits | 71.9434% | 5,744 |
| Net loans and leases to core deposits | 86.3893% | 5,862 |
| Total domestic deposits to total assets | 79.0072% | 5,812 |
| Equity capital to assets | 10.1450% | 3,776 |
| Core capital (leverage) ratio | 8.1149% | 6,133 |
| Tier 1 risk-based capital ratio | 12.5733% | 4,462 |
| Total risk-based capital ratio | 13.8307% | 4,377 |
| Memoranda: | ||
| Average total assets | $162,793,330 | 3,762 |
| Average earning assets | $141,922,670 | 3,905 |
| Average equity | $16,032,330 | 3,917 |
| Average total loans | $99,246,000 | 4,033 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6597% | 138 |
| Cost of funding earning assets | 2.3812% | 2,374 |
| Net interest margin | 5.2785% | 240 |
| Noninterest income to average assets | 1.8732% | 398 |
| Noninterest expense to average assets | 4.5183% | 696 |
| Loan and lease loss provision to assets | 0.2895% | 3,638 |
| Net operating income to assets | 1.6282% | 748 |
| Return on assets (ROA) | 1.6282% | 819 |
| Pretax return on assets | 1.6455% | 1,299 |
| Return on Equity (ROE) | 16.7911% | 708 |
| Retained earnings to average equity (ytd only) | 11.6874% | 850 |
| Net charge-offs to loans | -0.2852% | 8,055 |
| Credit loss provision to net charge-offs | -162.5000% | 6,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0153% | 4,575 |
| Assets per employee ($millions) | 2.6094% | 7,074 |
| Cash dividends to net income (ytd only)* | 30.3951% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 1,581 |
| Loan loss allowance to noncurrent loans | 69.5046% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 2.0713% | 2,789 |
| Noncurrent loans to loans | 2.7608% | 2,373 |
| Net loans and leases to total assets | 59.8398% | 5,685 |
| Net loans and leases to deposits | 78.5292% | 4,844 |
| Net loans and leases to core deposits | 94.4506% | 5,119 |
| Total domestic deposits to total assets | 76.2007% | 6,475 |
| Equity capital to assets | 9.9504% | 4,051 |
| Core capital (leverage) ratio | 8.1836% | 6,138 |
| Tier 1 risk-based capital ratio | 12.1868% | 4,798 |
| Total risk-based capital ratio | 13.4432% | 4,699 |
| Memoranda: | ||
| Average total assets | $161,652,000 | 3,803 |
| Average earning assets | $140,266,500 | 3,949 |
| Average equity | $15,675,000 | 4,005 |
| Average total loans | $100,975,500 | 4,011 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9407% | 207 |
| Cost of funding earning assets | 2.8602% | 2,442 |
| Net interest margin | 5.0805% | 425 |
| Noninterest income to average assets | 2.0065% | 342 |
| Noninterest expense to average assets | 4.8846% | 670 |
| Loan and lease loss provision to assets | 0.6596% | 2,201 |
| Net operating income to assets | 0.8464% | 3,232 |
| Return on assets (ROA) | 0.8464% | 3,073 |
| Pretax return on assets | 0.8503% | 3,891 |
| Return on Equity (ROE) | 9.0677% | 2,619 |
| Retained earnings to average equity (ytd only) | 6.9974% | 1,152 |
| Net charge-offs to loans | 1.3517% | 869 |
| Credit loss provision to net charge-offs | 75.1836% | 5,992 |
| Earnings coverage of net charge-offs (x) | 1.7210% | 5,217 |
| Efficiency ratio | 76.3876% | 3,173 |
| Assets per employee ($millions) | 2.7849% | 6,594 |
| Cash dividends to net income (ytd only)* | 22.8311% | 4,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 2,061 |
| Loan loss allowance to noncurrent loans | 105.6382% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 3,492 |
| Noncurrent loans to loans | 1.5632% | 3,442 |
| Net loans and leases to total assets | 62.8657% | 5,479 |
| Net loans and leases to deposits | 82.1457% | 4,704 |
| Net loans and leases to core deposits | 97.1452% | 5,135 |
| Total domestic deposits to total assets | 76.5295% | 6,113 |
| Equity capital to assets | 9.4427% | 4,762 |
| Core capital (leverage) ratio | 8.2818% | 5,990 |
| Tier 1 risk-based capital ratio | 11.2456% | 5,492 |
| Total risk-based capital ratio | 12.4990% | 5,374 |
| Memoranda: | ||
| Average total assets | $155,242,400 | 3,796 |
| Average earning assets | $134,080,600 | 3,971 |
| Average equity | $14,491,000 | 4,241 |
| Average total loans | $100,764,600 | 3,928 |