Home > Liberty Bank > Performance and Condition Ratios
Liberty Bank, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2723% | 2,823 |
| Cost of funding earning assets | 0.1397% | 3,713 |
| Net interest margin | 3.1327% | 2,431 |
| Noninterest income to average assets | 0.2813% | 3,481 |
| Noninterest expense to average assets | 2.7927% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3619% | 4,182 |
| Return on assets (ROA) | 0.3445% | 4,168 |
| Pretax return on assets | 0.4802% | 4,032 |
| Return on Equity (ROE) | 2.8948% | 4,226 |
| Retained earnings to average equity (ytd only) | 0.3800% | 4,113 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7598% | 638 |
| Assets per employee ($millions) | 7.6531% | 1,512 |
| Cash dividends to net income (ytd only)* | 86.8726% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 69.2822% | 1,370 |
| Net loans and leases to deposits | 78.9300% | 1,475 |
| Net loans and leases to core deposits | 81.4822% | 1,626 |
| Total domestic deposits to total assets | 87.7767% | 2,666 |
| Equity capital to assets | 11.9224% | 905 |
| Core capital (leverage) ratio | 11.9952% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,712,333 | 2,480 |
| Average earning assets | $289,273,333 | 2,435 |
| Average equity | $35,788,333 | 2,171 |
| Average total loans | $212,881,667 | 2,155 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1885% | 2,718 |
| Cost of funding earning assets | 0.1536% | 3,452 |
| Net interest margin | 3.0349% | 2,385 |
| Noninterest income to average assets | 0.1590% | 4,204 |
| Noninterest expense to average assets | 2.7075% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2756% | 4,189 |
| Return on assets (ROA) | 0.2756% | 4,156 |
| Pretax return on assets | 0.3843% | 4,061 |
| Return on Equity (ROE) | 2.3182% | 4,213 |
| Retained earnings to average equity (ytd only) | -0.4681% | 4,077 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5697% | 654 |
| Assets per employee ($millions) | 7.7779% | 1,503 |
| Cash dividends to net income (ytd only)* | 120.1923% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,901 |
| Loan loss allowance to noncurrent loans | 92.1459% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 475 |
| Noncurrent loans to loans | 1.5199% | 534 |
| Net loans and leases to total assets | 67.4328% | 1,269 |
| Net loans and leases to deposits | 76.4553% | 1,404 |
| Net loans and leases to core deposits | 79.3683% | 1,531 |
| Total domestic deposits to total assets | 88.1990% | 2,432 |
| Equity capital to assets | 11.4574% | 1,139 |
| Core capital (leverage) ratio | 12.2486% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,832,500 | 2,489 |
| Average earning assets | $291,672,000 | 2,440 |
| Average equity | $35,890,000 | 2,219 |
| Average total loans | $214,438,500 | 2,144 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 3,165 |
| Cost of funding earning assets | 0.1858% | 3,592 |
| Net interest margin | 3.1274% | 2,814 |
| Noninterest income to average assets | 0.1833% | 4,237 |
| Noninterest expense to average assets | 2.8668% | 1,226 |
| Loan and lease loss provision to assets | 0.0171% | 2,732 |
| Net operating income to assets | 0.2284% | 4,506 |
| Return on assets (ROA) | 0.2284% | 4,522 |
| Pretax return on assets | 0.3161% | 4,480 |
| Return on Equity (ROE) | 1.8500% | 4,515 |
| Retained earnings to average equity (ytd only) | 1.0204% | 4,253 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5871% | 345 |
| Assets per employee ($millions) | 6.9654% | 1,952 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 2,006 |
| Loan loss allowance to noncurrent loans | 105.1517% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 585 |
| Noncurrent loans to loans | 1.3114% | 720 |
| Net loans and leases to total assets | 72.8503% | 772 |
| Net loans and leases to deposits | 83.9526% | 907 |
| Net loans and leases to core deposits | 87.4189% | 1,115 |
| Total domestic deposits to total assets | 86.7755% | 2,588 |
| Equity capital to assets | 12.3515% | 1,107 |
| Core capital (leverage) ratio | 12.2240% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,901,800 | 2,467 |
| Average earning assets | $282,537,800 | 2,419 |
| Average equity | $36,161,600 | 2,236 |
| Average total loans | $211,899,000 | 2,161 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 3,274 |
| Cost of funding earning assets | 0.1935% | 3,683 |
| Net interest margin | 3.1480% | 2,908 |
| Noninterest income to average assets | 0.1893% | 4,258 |
| Noninterest expense to average assets | 2.8273% | 1,278 |
| Loan and lease loss provision to assets | 0.0229% | 2,535 |
| Net operating income to assets | 0.2699% | 4,560 |
| Return on assets (ROA) | 0.2699% | 4,582 |
| Pretax return on assets | 0.3750% | 4,520 |
| Return on Equity (ROE) | 2.1860% | 4,570 |
| Retained earnings to average equity (ytd only) | 1.0801% | 4,404 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6676% | 378 |
| Assets per employee ($millions) | 7.2740% | 1,696 |
| Cash dividends to net income (ytd only)* | 50.5902% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,793 |
| Loan loss allowance to noncurrent loans | 101.4295% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 676 |
| Noncurrent loans to loans | 1.4356% | 737 |
| Net loans and leases to total assets | 67.6249% | 1,360 |
| Net loans and leases to deposits | 77.3149% | 1,544 |
| Net loans and leases to core deposits | 80.8385% | 1,668 |
| Total domestic deposits to total assets | 87.4668% | 2,126 |
| Equity capital to assets | 12.1610% | 1,327 |
| Core capital (leverage) ratio | 12.2819% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,990,250 | 2,487 |
| Average earning assets | $282,539,000 | 2,441 |
| Average equity | $36,168,500 | 2,268 |
| Average total loans | $210,848,250 | 2,197 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4404% | 3,051 |
| Cost of funding earning assets | 0.2045% | 3,702 |
| Net interest margin | 3.2359% | 2,650 |
| Noninterest income to average assets | 0.2026% | 4,190 |
| Noninterest expense to average assets | 2.9412% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2740% | 4,556 |
| Return on assets (ROA) | 0.2740% | 4,572 |
| Pretax return on assets | 0.3804% | 4,524 |
| Return on Equity (ROE) | 2.2084% | 4,576 |
| Retained earnings to average equity (ytd only) | 1.6549% | 4,200 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5466% | 384 |
| Assets per employee ($millions) | 6.6606% | 2,051 |
| Cash dividends to net income (ytd only)* | 25.0627% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 68.6042% | 1,371 |
| Net loans and leases to deposits | 78.6468% | 1,562 |
| Net loans and leases to core deposits | 82.7230% | 1,661 |
| Total domestic deposits to total assets | 87.2308% | 2,207 |
| Equity capital to assets | 12.3829% | 1,186 |
| Core capital (leverage) ratio | 12.5139% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,243,000 | 2,491 |
| Average earning assets | $280,724,667 | 2,445 |
| Average equity | $36,135,333 | 2,263 |
| Average total loans | $212,911,333 | 2,188 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4797% | 2,985 |
| Cost of funding earning assets | 0.2173% | 3,753 |
| Net interest margin | 3.2624% | 2,505 |
| Noninterest income to average assets | 0.1598% | 4,398 |
| Noninterest expense to average assets | 3.0090% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2122% | 4,625 |
| Return on assets (ROA) | 0.2122% | 4,651 |
| Pretax return on assets | 0.2948% | 4,607 |
| Return on Equity (ROE) | 1.7084% | 4,638 |
| Retained earnings to average equity (ytd only) | 1.7084% | 4,072 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0759% | 344 |
| Assets per employee ($millions) | 6.2229% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 2,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 73.3934% | 861 |
| Net loans and leases to deposits | 84.1509% | 1,132 |
| Net loans and leases to core deposits | 88.4637% | 1,331 |
| Total domestic deposits to total assets | 87.2164% | 2,218 |
| Equity capital to assets | 12.3542% | 1,130 |
| Core capital (leverage) ratio | 12.3775% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,332,000 | 2,487 |
| Average earning assets | $279,795,000 | 2,439 |
| Average equity | $36,058,000 | 2,260 |
| Average total loans | $217,374,500 | 2,160 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 3,254 |
| Cost of funding earning assets | 0.3986% | 3,590 |
| Net interest margin | 3.4176% | 2,719 |
| Noninterest income to average assets | 0.1640% | 4,471 |
| Noninterest expense to average assets | 2.9312% | 1,599 |
| Loan and lease loss provision to assets | 0.0172% | 4,162 |
| Net operating income to assets | 0.3671% | 4,313 |
| Return on assets (ROA) | 0.3671% | 4,390 |
| Pretax return on assets | 0.5109% | 4,253 |
| Return on Equity (ROE) | 2.9997% | 4,379 |
| Retained earnings to average equity (ytd only) | 1.8783% | 3,879 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7352% | 583 |
| Assets per employee ($millions) | 6.2650% | 2,110 |
| Cash dividends to net income (ytd only)* | 37.3832% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 74.3372% | 978 |
| Net loans and leases to deposits | 85.3643% | 1,305 |
| Net loans and leases to core deposits | 90.1946% | 1,511 |
| Total domestic deposits to total assets | 87.0824% | 1,900 |
| Equity capital to assets | 12.4859% | 1,333 |
| Core capital (leverage) ratio | 11.9597% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,452,400 | 2,338 |
| Average earning assets | $281,013,200 | 2,283 |
| Average equity | $35,670,600 | 2,195 |
| Average total loans | $218,106,400 | 2,118 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,010 |
| Cost of funding earning assets | 0.4471% | 3,541 |
| Net interest margin | 3.5397% | 2,459 |
| Noninterest income to average assets | 0.1638% | 4,482 |
| Noninterest expense to average assets | 2.9087% | 1,681 |
| Loan and lease loss provision to assets | 0.0229% | 4,042 |
| Net operating income to assets | 0.4594% | 4,148 |
| Return on assets (ROA) | 0.4594% | 4,216 |
| Pretax return on assets | 0.6451% | 4,020 |
| Return on Equity (ROE) | 3.7722% | 4,218 |
| Retained earnings to average equity (ytd only) | 2.5548% | 3,708 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3265% | 767 |
| Assets per employee ($millions) | 6.8188% | 1,613 |
| Cash dividends to net income (ytd only)* | 32.2741% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.9163% | 1,518 |
| Net loans and leases to deposits | 83.3346% | 1,975 |
| Net loans and leases to core deposits | 87.6416% | 2,177 |
| Total domestic deposits to total assets | 87.4982% | 1,451 |
| Equity capital to assets | 12.0168% | 1,665 |
| Core capital (leverage) ratio | 11.7911% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,268,500 | 2,314 |
| Average earning assets | $281,787,750 | 2,265 |
| Average equity | $35,592,500 | 2,184 |
| Average total loans | $218,342,750 | 2,113 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 3,054 |
| Cost of funding earning assets | 0.5124% | 3,459 |
| Net interest margin | 3.5890% | 2,519 |
| Noninterest income to average assets | 0.1657% | 4,465 |
| Noninterest expense to average assets | 2.9771% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4626% | 4,105 |
| Return on assets (ROA) | 0.4626% | 4,169 |
| Pretax return on assets | 0.6511% | 3,969 |
| Return on Equity (ROE) | 3.7812% | 4,173 |
| Retained earnings to average equity (ytd only) | 1.9470% | 3,782 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0552% | 754 |
| Assets per employee ($millions) | 7.1346% | 1,374 |
| Cash dividends to net income (ytd only)* | 48.5075% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.4721% | 1,481 |
| Net loans and leases to deposits | 83.6483% | 2,028 |
| Net loans and leases to core deposits | 87.8863% | 2,252 |
| Total domestic deposits to total assets | 87.8346% | 1,268 |
| Equity capital to assets | 11.6563% | 1,864 |
| Core capital (leverage) ratio | 11.9649% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,681,667 | 2,314 |
| Average earning assets | $279,465,333 | 2,252 |
| Average equity | $35,438,667 | 2,186 |
| Average total loans | $217,223,667 | 2,106 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 3,763 |
| Cost of funding earning assets | 0.5619% | 3,634 |
| Net interest margin | 3.4454% | 3,161 |
| Noninterest income to average assets | 0.1764% | 4,488 |
| Noninterest expense to average assets | 3.0662% | 1,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3088% | 4,326 |
| Return on assets (ROA) | 0.3088% | 4,350 |
| Pretax return on assets | 0.4340% | 4,231 |
| Return on Equity (ROE) | 2.4605% | 4,353 |
| Retained earnings to average equity (ytd only) | 2.4605% | 3,286 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6016% | 603 |
| Assets per employee ($millions) | 6.1960% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 71.1443% | 2,062 |
| Net loans and leases to deposits | 81.6023% | 2,508 |
| Net loans and leases to core deposits | 85.7829% | 2,699 |
| Total domestic deposits to total assets | 87.1842% | 1,476 |
| Equity capital to assets | 12.3664% | 1,821 |
| Core capital (leverage) ratio | 12.6215% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,129,000 | 2,313 |
| Average earning assets | $271,205,500 | 2,257 |
| Average equity | $35,278,000 | 2,187 |
| Average total loans | $211,694,000 | 2,114 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 3,054 |
| Cost of funding earning assets | 0.4667% | 4,215 |
| Net interest margin | 4.0003% | 1,861 |
| Noninterest income to average assets | 0.1857% | 4,556 |
| Noninterest expense to average assets | 3.3213% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5175% | 4,368 |
| Return on assets (ROA) | 0.5175% | 4,418 |
| Pretax return on assets | 0.7176% | 4,168 |
| Return on Equity (ROE) | 3.8653% | 4,492 |
| Retained earnings to average equity (ytd only) | 0.4821% | 4,549 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2336% | 786 |
| Assets per employee ($millions) | 5.8988% | 1,713 |
| Cash dividends to net income (ytd only)* | 87.5274% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 1,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 77.4974% | 1,160 |
| Net loans and leases to deposits | 89.7402% | 1,623 |
| Net loans and leases to core deposits | 93.9134% | 2,067 |
| Total domestic deposits to total assets | 86.3575% | 1,907 |
| Equity capital to assets | 12.7361% | 1,683 |
| Core capital (leverage) ratio | 12.5770% | 1,445 |
| Tier 1 risk-based capital ratio | 12.9482% | 3,818 |
| Total risk-based capital ratio | 14.0797% | 3,770 |
| Memoranda: | ||
| Average total assets | $264,929,200 | 2,363 |
| Average earning assets | $255,184,000 | 2,299 |
| Average equity | $35,469,400 | 2,116 |
| Average total loans | $209,271,000 | 2,089 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 3,020 |
| Cost of funding earning assets | 0.4308% | 4,397 |
| Net interest margin | 4.0824% | 1,666 |
| Noninterest income to average assets | 0.1879% | 4,594 |
| Noninterest expense to average assets | 3.1717% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6752% | 4,089 |
| Return on assets (ROA) | 0.6752% | 4,151 |
| Pretax return on assets | 0.9486% | 3,742 |
| Return on Equity (ROE) | 4.9789% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.2566% | 4,182 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9773% | 1,223 |
| Assets per employee ($millions) | 6.0260% | 1,586 |
| Cash dividends to net income (ytd only)* | 54.6754% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.9680% | 1,489 |
| Net loans and leases to deposits | 88.1141% | 1,915 |
| Net loans and leases to core deposits | 92.1021% | 2,354 |
| Total domestic deposits to total assets | 86.2156% | 1,900 |
| Equity capital to assets | 13.1885% | 1,517 |
| Core capital (leverage) ratio | 13.5503% | 1,112 |
| Tier 1 risk-based capital ratio | 14.0819% | 3,288 |
| Total risk-based capital ratio | 15.2908% | 3,216 |
| Memoranda: | ||
| Average total assets | $261,850,750 | 2,402 |
| Average earning assets | $252,229,500 | 2,342 |
| Average equity | $35,509,250 | 2,131 |
| Average total loans | $207,154,750 | 2,128 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5686% | 2,775 |
| Cost of funding earning assets | 0.3814% | 4,578 |
| Net interest margin | 4.1872% | 1,396 |
| Noninterest income to average assets | 0.1878% | 4,633 |
| Noninterest expense to average assets | 3.2580% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6601% | 4,129 |
| Return on assets (ROA) | 0.6601% | 4,184 |
| Pretax return on assets | 0.9608% | 3,676 |
| Return on Equity (ROE) | 4.8215% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.5632% | 3,913 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2261% | 1,244 |
| Assets per employee ($millions) | 5.4751% | 1,990 |
| Cash dividends to net income (ytd only)* | 46.8384% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 1,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 75.6228% | 1,608 |
| Net loans and leases to deposits | 88.0264% | 2,006 |
| Net loans and leases to core deposits | 91.8111% | 2,431 |
| Total domestic deposits to total assets | 85.9092% | 2,083 |
| Equity capital to assets | 13.5577% | 1,294 |
| Core capital (leverage) ratio | 13.5832% | 1,085 |
| Tier 1 risk-based capital ratio | 14.2437% | 3,190 |
| Total risk-based capital ratio | 15.4768% | 3,111 |
| Memoranda: | ||
| Average total assets | $258,745,000 | 2,431 |
| Average earning assets | $249,091,330 | 2,367 |
| Average equity | $35,424,670 | 2,122 |
| Average total loans | $206,579,330 | 2,140 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 2,801 |
| Cost of funding earning assets | 0.3220% | 4,771 |
| Net interest margin | 4.1978% | 1,308 |
| Noninterest income to average assets | 0.1714% | 4,712 |
| Noninterest expense to average assets | 3.3765% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5750% | 4,314 |
| Return on assets (ROA) | 0.5750% | 4,349 |
| Pretax return on assets | 0.8367% | 3,955 |
| Return on Equity (ROE) | 4.1787% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.1787% | 3,249 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1405% | 1,056 |
| Assets per employee ($millions) | 5.3590% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 1,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 79.3359% | 934 |
| Net loans and leases to deposits | 92.4719% | 1,345 |
| Net loans and leases to core deposits | 95.0456% | 2,021 |
| Total domestic deposits to total assets | 85.7946% | 2,366 |
| Equity capital to assets | 13.8081% | 1,105 |
| Core capital (leverage) ratio | 13.6868% | 1,032 |
| Tier 1 risk-based capital ratio | 14.8163% | 2,951 |
| Total risk-based capital ratio | 16.0667% | 2,890 |
| Memoranda: | ||
| Average total assets | $256,716,000 | 2,471 |
| Average earning assets | $247,179,500 | 2,402 |
| Average equity | $35,322,000 | 2,125 |
| Average total loans | $209,059,500 | 2,142 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,981 |
| Cost of funding earning assets | 0.2345% | 4,873 |
| Net interest margin | 4.1005% | 1,676 |
| Noninterest income to average assets | 0.1752% | 4,847 |
| Noninterest expense to average assets | 3.3833% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5314% | 4,593 |
| Return on assets (ROA) | 0.5314% | 4,589 |
| Pretax return on assets | 0.7380% | 4,316 |
| Return on Equity (ROE) | 4.0052% | 4,710 |
| Retained earnings to average equity (ytd only) | -0.1269% | 5,002 |
| Net charge-offs to loans | -0.0416% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0923% | 798 |
| Assets per employee ($millions) | 5.0235% | 2,471 |
| Cash dividends to net income (ytd only)* | 103.1690% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 1,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.2965% | 769 |
| Net loans and leases to deposits | 95.7262% | 1,098 |
| Net loans and leases to core deposits | 97.9768% | 1,865 |
| Total domestic deposits to total assets | 84.9261% | 2,673 |
| Equity capital to assets | 13.7101% | 1,061 |
| Core capital (leverage) ratio | 13.0884% | 1,209 |
| Tier 1 risk-based capital ratio | 13.8404% | 3,365 |
| Total risk-based capital ratio | 15.0682% | 3,305 |
| Memoranda: | ||
| Average total assets | $267,197,200 | 2,358 |
| Average earning assets | $257,140,400 | 2,287 |
| Average equity | $35,454,000 | 2,054 |
| Average total loans | $199,559,600 | 2,178 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 3,062 |
| Cost of funding earning assets | 0.2283% | 4,900 |
| Net interest margin | 4.0458% | 1,804 |
| Noninterest income to average assets | 0.1768% | 4,900 |
| Noninterest expense to average assets | 3.1309% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6628% | 4,336 |
| Return on assets (ROA) | 0.6628% | 4,349 |
| Pretax return on assets | 0.9414% | 3,895 |
| Return on Equity (ROE) | 5.0351% | 4,546 |
| Retained earnings to average equity (ytd only) | 2.5401% | 4,382 |
| Net charge-offs to loans | -0.0563% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8830% | 1,244 |
| Assets per employee ($millions) | 5.2078% | 2,214 |
| Cash dividends to net income (ytd only)* | 49.5526% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 1,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 78.5346% | 1,248 |
| Net loans and leases to deposits | 93.3371% | 1,463 |
| Net loans and leases to core deposits | 95.1145% | 2,203 |
| Total domestic deposits to total assets | 84.1408% | 2,896 |
| Equity capital to assets | 13.4884% | 1,140 |
| Core capital (leverage) ratio | 13.2849% | 1,180 |
| Tier 1 risk-based capital ratio | 13.5970% | 3,578 |
| Total risk-based capital ratio | 14.7723% | 3,528 |
| Memoranda: | ||
| Average total assets | $269,947,000 | 2,341 |
| Average earning assets | $259,914,250 | 2,277 |
| Average equity | $35,536,250 | 2,061 |
| Average total loans | $196,659,500 | 2,207 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 2,964 |
| Cost of funding earning assets | 0.2304% | 4,853 |
| Net interest margin | 4.0140% | 1,814 |
| Noninterest income to average assets | 0.1680% | 4,986 |
| Noninterest expense to average assets | 3.0973% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6500% | 4,345 |
| Return on assets (ROA) | 0.6500% | 4,355 |
| Pretax return on assets | 0.9352% | 3,861 |
| Return on Equity (ROE) | 4.9774% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.3284% | 3,435 |
| Net charge-offs to loans | -0.0866% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8092% | 1,337 |
| Assets per employee ($millions) | 5.3129% | 2,090 |
| Cash dividends to net income (ytd only)* | 13.0385% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 1,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 74.9093% | 1,801 |
| Net loans and leases to deposits | 87.4090% | 2,171 |
| Net loans and leases to core deposits | 88.5211% | 2,678 |
| Total domestic deposits to total assets | 85.6997% | 2,411 |
| Equity capital to assets | 13.7759% | 1,002 |
| Core capital (leverage) ratio | 12.9117% | 1,263 |
| Tier 1 risk-based capital ratio | 13.7906% | 3,466 |
| Total risk-based capital ratio | 14.9856% | 3,396 |
| Memoranda: | ||
| Average total assets | $271,396,330 | 2,342 |
| Average earning assets | $261,284,330 | 2,264 |
| Average equity | $35,440,000 | 2,071 |
| Average total loans | $191,723,670 | 2,248 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,775 |
| Cost of funding earning assets | 0.2085% | 4,964 |
| Net interest margin | 4.0244% | 1,642 |
| Noninterest income to average assets | 0.1618% | 5,054 |
| Noninterest expense to average assets | 3.1040% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6442% | 4,299 |
| Return on assets (ROA) | 0.6442% | 4,309 |
| Pretax return on assets | 0.9331% | 3,745 |
| Return on Equity (ROE) | 5.0641% | 4,467 |
| Retained earnings to average equity (ytd only) | 3.7583% | 3,692 |
| Net charge-offs to loans | -0.1760% | 5,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8873% | 1,476 |
| Assets per employee ($millions) | 5.6022% | 1,845 |
| Cash dividends to net income (ytd only)* | 25.7848% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 68.8156% | 2,659 |
| Net loans and leases to deposits | 80.5247% | 2,750 |
| Net loans and leases to core deposits | 81.1931% | 3,222 |
| Total domestic deposits to total assets | 85.4590% | 2,770 |
| Equity capital to assets | 12.8828% | 1,302 |
| Core capital (leverage) ratio | 12.6219% | 1,337 |
| Tier 1 risk-based capital ratio | 12.8951% | 4,005 |
| Total risk-based capital ratio | 14.0213% | 3,968 |
| Memoranda: | ||
| Average total assets | $276,929,000 | 2,326 |
| Average earning assets | $266,671,500 | 2,255 |
| Average equity | $35,228,500 | 2,086 |
| Average total loans | $188,639,500 | 2,291 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 3,378 |
| Cost of funding earning assets | 0.2121% | 4,855 |
| Net interest margin | 3.7962% | 2,438 |
| Noninterest income to average assets | 0.1841% | 5,035 |
| Noninterest expense to average assets | 3.1938% | 1,622 |
| Loan and lease loss provision to assets | 0.0544% | 3,141 |
| Net operating income to assets | 0.2606% | 5,002 |
| Return on assets (ROA) | 0.2606% | 5,019 |
| Pretax return on assets | 0.5810% | 4,781 |
| Return on Equity (ROE) | 2.0558% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.4839% | 4,410 |
| Net charge-offs to loans | 0.0005% | 4,112 |
| Credit loss provision to net charge-offs | 15,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,753.0000% | 37 |
| Efficiency ratio | 83.4075% | 818 |
| Assets per employee ($millions) | 5.7011% | 1,752 |
| Cash dividends to net income (ytd only)* | 27.8164% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 1,384 |
| Loan loss allowance to noncurrent loans | 3,073.6264% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,979 |
| Noncurrent loans to loans | 0.0491% | 4,771 |
| Net loans and leases to total assets | 65.4010% | 3,171 |
| Net loans and leases to deposits | 75.0726% | 3,422 |
| Net loans and leases to core deposits | 75.6765% | 3,762 |
| Total domestic deposits to total assets | 87.1170% | 1,937 |
| Equity capital to assets | 12.5623% | 1,480 |
| Core capital (leverage) ratio | 12.2941% | 1,450 |
| Tier 1 risk-based capital ratio | 12.7612% | 4,053 |
| Total risk-based capital ratio | 13.8667% | 4,026 |
| Memoranda: | ||
| Average total assets | $275,912,400 | 2,311 |
| Average earning assets | $264,925,200 | 2,251 |
| Average equity | $34,974,400 | 2,084 |
| Average total loans | $189,643,200 | 2,244 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0107% | 3,321 |
| Cost of funding earning assets | 0.2132% | 4,866 |
| Net interest margin | 3.7975% | 2,411 |
| Noninterest income to average assets | 0.1857% | 5,089 |
| Noninterest expense to average assets | 3.0035% | 2,098 |
| Loan and lease loss provision to assets | 0.0727% | 2,617 |
| Net operating income to assets | 0.4615% | 4,848 |
| Return on assets (ROA) | 0.4615% | 4,880 |
| Pretax return on assets | 0.7533% | 4,470 |
| Return on Equity (ROE) | 3.6323% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.8692% | 4,196 |
| Net charge-offs to loans | 0.0007% | 3,778 |
| Credit loss provision to net charge-offs | 15,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 1,708.2256% | 51 |
| Efficiency ratio | 78.4304% | 1,272 |
| Assets per employee ($millions) | 5.2859% | 2,133 |
| Cash dividends to net income (ytd only)* | 21.0084% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,736 |
| Loan loss allowance to noncurrent loans | 2,689.4231% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 5,047 |
| Noncurrent loans to loans | 0.0536% | 4,870 |
| Net loans and leases to total assets | 69.6265% | 2,613 |
| Net loans and leases to deposits | 80.3921% | 2,935 |
| Net loans and leases to core deposits | 81.1475% | 3,362 |
| Total domestic deposits to total assets | 86.6087% | 2,044 |
| Equity capital to assets | 12.8812% | 1,448 |
| Core capital (leverage) ratio | 12.4553% | 1,435 |
| Tier 1 risk-based capital ratio | 12.5305% | 4,299 |
| Total risk-based capital ratio | 13.6129% | 4,310 |
| Memoranda: | ||
| Average total assets | $275,052,500 | 2,330 |
| Average earning assets | $263,919,000 | 2,273 |
| Average equity | $34,944,750 | 2,085 |
| Average total loans | $190,680,000 | 2,246 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 3,349 |
| Cost of funding earning assets | 0.2129% | 4,860 |
| Net interest margin | 3.7462% | 2,484 |
| Noninterest income to average assets | 0.1919% | 5,090 |
| Noninterest expense to average assets | 3.0249% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4653% | 4,811 |
| Return on assets (ROA) | 0.4653% | 4,838 |
| Pretax return on assets | 0.7611% | 4,401 |
| Return on Equity (ROE) | 3.6791% | 4,922 |
| Retained earnings to average equity (ytd only) | 2.5294% | 4,170 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8963% | 1,217 |
| Assets per employee ($millions) | 5.5256% | 1,847 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 2,163 |
| Loan loss allowance to noncurrent loans | 2,282.7586% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 5,077 |
| Noncurrent loans to loans | 0.0592% | 4,890 |
| Net loans and leases to total assets | 69.9397% | 2,537 |
| Net loans and leases to deposits | 80.6771% | 2,839 |
| Net loans and leases to core deposits | 81.4281% | 3,301 |
| Total domestic deposits to total assets | 86.6909% | 2,093 |
| Equity capital to assets | 12.6948% | 1,525 |
| Core capital (leverage) ratio | 12.2556% | 1,499 |
| Tier 1 risk-based capital ratio | 12.2743% | 4,443 |
| Total risk-based capital ratio | 13.3509% | 4,444 |
| Memoranda: | ||
| Average total assets | $275,115,000 | 2,342 |
| Average earning assets | $263,947,330 | 2,272 |
| Average equity | $34,791,000 | 2,090 |
| Average total loans | $189,514,670 | 2,262 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 3,325 |
| Cost of funding earning assets | 0.2128% | 4,858 |
| Net interest margin | 3.7066% | 2,465 |
| Noninterest income to average assets | 0.2084% | 5,020 |
| Noninterest expense to average assets | 3.0525% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4254% | 4,870 |
| Return on assets (ROA) | 0.4254% | 4,892 |
| Pretax return on assets | 0.7081% | 4,426 |
| Return on Equity (ROE) | 3.3709% | 4,999 |
| Retained earnings to average equity (ytd only) | 1.0620% | 4,630 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1701% | 1,243 |
| Assets per employee ($millions) | 5.5200% | 1,868 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 2,096 |
| Loan loss allowance to noncurrent loans | 2,068.7500% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 5,121 |
| Noncurrent loans to loans | 0.0675% | 4,926 |
| Net loans and leases to total assets | 67.7797% | 2,713 |
| Net loans and leases to deposits | 77.9372% | 2,972 |
| Net loans and leases to core deposits | 78.7483% | 3,417 |
| Total domestic deposits to total assets | 86.9670% | 2,231 |
| Equity capital to assets | 12.5797% | 1,476 |
| Core capital (leverage) ratio | 12.2076% | 1,504 |
| Tier 1 risk-based capital ratio | 12.1096% | 4,645 |
| Total risk-based capital ratio | 13.1898% | 4,658 |
| Memoranda: | ||
| Average total assets | $274,533,500 | 2,367 |
| Average earning assets | $263,096,500 | 2,296 |
| Average equity | $34,650,000 | 2,101 |
| Average total loans | $186,334,000 | 2,303 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 3,294 |
| Cost of funding earning assets | 0.2217% | 4,817 |
| Net interest margin | 3.7520% | 2,494 |
| Noninterest income to average assets | 0.1947% | 5,243 |
| Noninterest expense to average assets | 3.1795% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3993% | 1,009 |
| Return on assets (ROA) | 1.3993% | 1,038 |
| Pretax return on assets | 0.6280% | 4,713 |
| Return on Equity (ROE) | 11.7299% | 1,334 |
| Retained earnings to average equity (ytd only) | 10.3364% | 367 |
| Net charge-offs to loans | -0.0141% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5064% | 1,060 |
| Assets per employee ($millions) | 5.5728% | 1,808 |
| Cash dividends to net income (ytd only)* | 11.8796% | 3,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,881 |
| Loan loss allowance to noncurrent loans | 1,891.4286% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,136 |
| Noncurrent loans to loans | 0.0765% | 4,933 |
| Net loans and leases to total assets | 66.0278% | 3,071 |
| Net loans and leases to deposits | 75.9763% | 3,316 |
| Net loans and leases to core deposits | 76.7796% | 3,683 |
| Total domestic deposits to total assets | 86.9058% | 2,199 |
| Equity capital to assets | 12.6636% | 1,417 |
| Core capital (leverage) ratio | 12.1805% | 1,487 |
| Tier 1 risk-based capital ratio | 12.2485% | 4,539 |
| Total risk-based capital ratio | 13.3506% | 4,536 |
| Memoranda: | ||
| Average total assets | $270,703,000 | 2,356 |
| Average earning assets | $260,661,200 | 2,277 |
| Average equity | $32,293,600 | 2,211 |
| Average total loans | $177,917,200 | 2,333 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,489 |
| Cost of funding earning assets | 0.2217% | 4,871 |
| Net interest margin | 3.7087% | 2,688 |
| Noninterest income to average assets | 0.1940% | 5,307 |
| Noninterest expense to average assets | 3.0505% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7187% | 3,747 |
| Return on assets (ROA) | 0.7187% | 3,890 |
| Pretax return on assets | 0.7187% | 4,559 |
| Return on Equity (ROE) | 6.1197% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.8587% | 2,922 |
| Net charge-offs to loans | -0.0294% | 5,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9324% | 1,309 |
| Assets per employee ($millions) | 5.3655% | 1,988 |
| Cash dividends to net income (ytd only)* | 20.6044% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,978 |
| Loan loss allowance to noncurrent loans | 1,751.3158% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 5,225 |
| Noncurrent loans to loans | 0.0828% | 5,022 |
| Net loans and leases to total assets | 67.4025% | 2,887 |
| Net loans and leases to deposits | 77.0221% | 3,285 |
| Net loans and leases to core deposits | 77.8451% | 3,679 |
| Total domestic deposits to total assets | 87.5106% | 1,657 |
| Equity capital to assets | 12.1096% | 2,034 |
| Core capital (leverage) ratio | 11.9996% | 1,678 |
| Tier 1 risk-based capital ratio | 12.0024% | 4,787 |
| Total risk-based capital ratio | 13.0966% | 4,784 |
| Memoranda: | ||
| Average total assets | $270,112,000 | 2,375 |
| Average earning assets | $260,388,000 | 2,291 |
| Average equity | $31,722,000 | 2,258 |
| Average total loans | $176,659,500 | 2,349 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 3,797 |
| Cost of funding earning assets | 0.2210% | 4,927 |
| Net interest margin | 3.6219% | 3,008 |
| Noninterest income to average assets | 0.1995% | 5,302 |
| Noninterest expense to average assets | 3.0237% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6627% | 3,986 |
| Return on assets (ROA) | 0.6627% | 4,128 |
| Pretax return on assets | 0.6627% | 4,737 |
| Return on Equity (ROE) | 5.7012% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.7945% | 3,472 |
| Net charge-offs to loans | -0.0310% | 5,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0240% | 1,265 |
| Assets per employee ($millions) | 5.2195% | 2,068 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 2,228 |
| Loan loss allowance to noncurrent loans | 1,402.1164% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 5,281 |
| Noncurrent loans to loans | 0.1009% | 5,049 |
| Net loans and leases to total assets | 66.7866% | 2,969 |
| Net loans and leases to deposits | 77.1921% | 3,243 |
| Net loans and leases to core deposits | 77.9999% | 3,642 |
| Total domestic deposits to total assets | 86.5200% | 2,161 |
| Equity capital to assets | 11.5540% | 2,490 |
| Core capital (leverage) ratio | 11.8855% | 1,709 |
| Tier 1 risk-based capital ratio | 11.5348% | 5,131 |
| Total risk-based capital ratio | 12.6004% | 5,144 |
| Memoranda: | ||
| Average total assets | $270,724,330 | 2,379 |
| Average earning assets | $260,638,330 | 2,294 |
| Average equity | $31,467,000 | 2,276 |
| Average total loans | $174,384,000 | 2,370 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 4,373 |
| Cost of funding earning assets | 0.2189% | 5,016 |
| Net interest margin | 3.4675% | 3,594 |
| Noninterest income to average assets | 0.2017% | 5,296 |
| Noninterest expense to average assets | 2.9712% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5677% | 4,333 |
| Return on assets (ROA) | 0.5677% | 4,436 |
| Pretax return on assets | 0.5677% | 4,907 |
| Return on Equity (ROE) | 4.8688% | 4,547 |
| Retained earnings to average equity (ytd only) | 1.0250% | 4,826 |
| Net charge-offs to loans | -0.0310% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9595% | 1,162 |
| Assets per employee ($millions) | 5.5279% | 1,808 |
| Cash dividends to net income (ytd only)* | 78.9474% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 2,048 |
| Loan loss allowance to noncurrent loans | 324.6305% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 4,336 |
| Noncurrent loans to loans | 0.4582% | 3,803 |
| Net loans and leases to total assets | 64.4508% | 3,173 |
| Net loans and leases to deposits | 75.9317% | 3,231 |
| Net loans and leases to core deposits | 76.7586% | 3,605 |
| Total domestic deposits to total assets | 84.8800% | 3,174 |
| Equity capital to assets | 11.5695% | 2,375 |
| Core capital (leverage) ratio | 12.2371% | 1,474 |
| Tier 1 risk-based capital ratio | 11.4763% | 5,245 |
| Total risk-based capital ratio | 12.5489% | 5,247 |
| Memoranda: | ||
| Average total assets | $267,770,500 | 2,409 |
| Average earning assets | $257,704,500 | 2,327 |
| Average equity | $31,219,500 | 2,289 |
| Average total loans | $167,874,500 | 2,426 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 3,838 |
| Cost of funding earning assets | 0.2233% | 5,059 |
| Net interest margin | 3.6391% | 2,983 |
| Noninterest income to average assets | 0.1731% | 5,549 |
| Noninterest expense to average assets | 3.3345% | 1,637 |
| Loan and lease loss provision to assets | -0.2824% | 6,051 |
| Net operating income to assets | 0.6056% | 4,244 |
| Return on assets (ROA) | 0.6056% | 4,342 |
| Pretax return on assets | 0.6069% | 4,816 |
| Return on Equity (ROE) | 4.9196% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.4279% | 2,833 |
| Net charge-offs to loans | -0.1113% | 5,807 |
| Credit loss provision to net charge-offs | 400.0000% | 761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1337% | 623 |
| Assets per employee ($millions) | 5.4015% | 1,902 |
| Cash dividends to net income (ytd only)* | 9.9933% | 4,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 1,459 |
| Loan loss allowance to noncurrent loans | 311.5202% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 4,276 |
| Noncurrent loans to loans | 0.5311% | 3,577 |
| Net loans and leases to total assets | 58.9079% | 3,983 |
| Net loans and leases to deposits | 72.6540% | 3,650 |
| Net loans and leases to core deposits | 73.5010% | 3,991 |
| Total domestic deposits to total assets | 81.0801% | 4,458 |
| Equity capital to assets | 11.7507% | 2,151 |
| Core capital (leverage) ratio | 12.0921% | 1,566 |
| Tier 1 risk-based capital ratio | 12.0896% | 4,890 |
| Total risk-based capital ratio | 13.2173% | 4,875 |
| Memoranda: | ||
| Average total assets | $247,834,000 | 2,522 |
| Average earning assets | $237,393,400 | 2,446 |
| Average equity | $30,510,800 | 2,286 |
| Average total loans | $157,198,400 | 2,501 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 3,627 |
| Cost of funding earning assets | 0.2243% | 5,144 |
| Net interest margin | 3.7070% | 2,738 |
| Noninterest income to average assets | 0.1625% | 5,672 |
| Noninterest expense to average assets | 3.2213% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4860% | 4,840 |
| Return on assets (ROA) | 0.4860% | 4,932 |
| Pretax return on assets | 0.4876% | 5,250 |
| Return on Equity (ROE) | 3.8994% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.2407% | 4,152 |
| Net charge-offs to loans | -0.1326% | 5,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8526% | 946 |
| Assets per employee ($millions) | 5.3745% | 1,885 |
| Cash dividends to net income (ytd only)* | 16.8923% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1713% | 696 |
| Loan loss allowance to noncurrent loans | 374.1789% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 3,933 |
| Noncurrent loans to loans | 0.5803% | 3,590 |
| Net loans and leases to total assets | 58.9328% | 4,021 |
| Net loans and leases to deposits | 67.3136% | 4,255 |
| Net loans and leases to core deposits | 68.1721% | 4,529 |
| Total domestic deposits to total assets | 87.5496% | 1,778 |
| Equity capital to assets | 12.1467% | 2,000 |
| Core capital (leverage) ratio | 12.2530% | 1,540 |
| Tier 1 risk-based capital ratio | 12.8188% | 4,537 |
| Total risk-based capital ratio | 14.0710% | 4,453 |
| Memoranda: | ||
| Average total assets | $243,624,000 | 2,568 |
| Average earning assets | $233,065,500 | 2,498 |
| Average equity | $30,363,250 | 2,310 |
| Average total loans | $156,863,750 | 2,518 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 3,479 |
| Cost of funding earning assets | 0.2243% | 5,200 |
| Net interest margin | 3.7271% | 2,593 |
| Noninterest income to average assets | 0.1862% | 5,575 |
| Noninterest expense to average assets | 3.2124% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5344% | 4,635 |
| Return on assets (ROA) | 0.5344% | 4,740 |
| Pretax return on assets | 0.5369% | 5,129 |
| Return on Equity (ROE) | 4.2503% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.2503% | 3,325 |
| Net charge-offs to loans | -0.1729% | 5,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6795% | 1,083 |
| Assets per employee ($millions) | 5.0840% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 877 |
| Loan loss allowance to noncurrent loans | 254.2570% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 3,396 |
| Noncurrent loans to loans | 0.8190% | 3,075 |
| Net loans and leases to total assets | 63.3010% | 3,370 |
| Net loans and leases to deposits | 72.6382% | 3,660 |
| Net loans and leases to core deposits | 73.5061% | 3,997 |
| Total domestic deposits to total assets | 87.1456% | 2,083 |
| Equity capital to assets | 12.5376% | 1,640 |
| Core capital (leverage) ratio | 12.8568% | 1,233 |
| Tier 1 risk-based capital ratio | 13.9522% | 3,961 |
| Total risk-based capital ratio | 15.2059% | 3,891 |
| Memoranda: | ||
| Average total assets | $240,631,000 | 2,605 |
| Average earning assets | $230,042,000 | 2,542 |
| Average equity | $30,256,670 | 2,324 |
| Average total loans | $158,428,330 | 2,498 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 3,648 |
| Cost of funding earning assets | 0.2223% | 5,294 |
| Net interest margin | 3.6722% | 2,725 |
| Noninterest income to average assets | 0.1825% | 5,620 |
| Noninterest expense to average assets | 3.2127% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4822% | 4,755 |
| Return on assets (ROA) | 0.4822% | 4,874 |
| Pretax return on assets | 0.4822% | 5,224 |
| Return on Equity (ROE) | 3.8289% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.8289% | 3,707 |
| Net charge-offs to loans | -0.0932% | 5,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9506% | 1,101 |
| Assets per employee ($millions) | 5.2611% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 1,126 |
| Loan loss allowance to noncurrent loans | 221.1806% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 3,285 |
| Noncurrent loans to loans | 0.8939% | 3,007 |
| Net loans and leases to total assets | 65.2474% | 2,890 |
| Net loans and leases to deposits | 77.9398% | 2,815 |
| Net loans and leases to core deposits | 79.0902% | 3,273 |
| Total domestic deposits to total assets | 83.7152% | 3,927 |
| Equity capital to assets | 12.4965% | 1,695 |
| Core capital (leverage) ratio | 13.0331% | 1,147 |
| Tier 1 risk-based capital ratio | 13.2161% | 4,487 |
| Total risk-based capital ratio | 14.3876% | 4,452 |
| Memoranda: | ||
| Average total assets | $238,929,500 | 2,641 |
| Average earning assets | $228,525,500 | 2,571 |
| Average equity | $30,087,000 | 2,345 |
| Average total loans | $158,762,000 | 2,505 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 4,736 |
| Cost of funding earning assets | 0.2574% | 5,249 |
| Net interest margin | 3.4573% | 3,951 |
| Noninterest income to average assets | 0.2334% | 5,463 |
| Noninterest expense to average assets | 3.3910% | 1,715 |
| Loan and lease loss provision to assets | -0.4355% | 6,432 |
| Net operating income to assets | 0.5714% | 4,501 |
| Return on assets (ROA) | 0.5714% | 4,585 |
| Pretax return on assets | 0.5714% | 5,027 |
| Return on Equity (ROE) | 4.4785% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.4785% | 2,989 |
| Net charge-offs to loans | -0.0909% | 6,091 |
| Credit loss provision to net charge-offs | 775.1938% | 349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1472% | 494 |
| Assets per employee ($millions) | 5.1271% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 1,088 |
| Loan loss allowance to noncurrent loans | 193.0104% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8361% | 3,122 |
| Noncurrent loans to loans | 1.0426% | 2,737 |
| Net loans and leases to total assets | 64.9931% | 3,050 |
| Net loans and leases to deposits | 77.4264% | 3,033 |
| Net loans and leases to core deposits | 78.8252% | 3,433 |
| Total domestic deposits to total assets | 83.9418% | 3,742 |
| Equity capital to assets | 12.6908% | 1,545 |
| Core capital (leverage) ratio | 12.7959% | 1,212 |
| Tier 1 risk-based capital ratio | 13.8898% | 4,171 |
| Total risk-based capital ratio | 15.1429% | 4,114 |
| Memoranda: | ||
| Average total assets | $229,605,200 | 2,704 |
| Average earning assets | $218,724,200 | 2,636 |
| Average equity | $29,295,800 | 2,320 |
| Average total loans | $141,859,600 | 2,685 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,826 |
| Cost of funding earning assets | 0.2648% | 5,259 |
| Net interest margin | 3.4448% | 4,041 |
| Noninterest income to average assets | 0.2193% | 5,622 |
| Noninterest expense to average assets | 3.4197% | 1,615 |
| Loan and lease loss provision to assets | -0.5847% | 6,547 |
| Net operating income to assets | 0.6624% | 4,146 |
| Return on assets (ROA) | 0.6624% | 4,247 |
| Pretax return on assets | 0.6624% | 4,829 |
| Return on Equity (ROE) | 5.1846% | 4,632 |
| Retained earnings to average equity (ytd only) | 5.1846% | 2,965 |
| Net charge-offs to loans | -0.0936% | 6,119 |
| Credit loss provision to net charge-offs | 1,030.9278% | 318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7767% | 441 |
| Assets per employee ($millions) | 5.2838% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 978 |
| Loan loss allowance to noncurrent loans | 182.1157% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.1452% | 2,659 |
| Noncurrent loans to loans | 1.1943% | 2,662 |
| Net loans and leases to total assets | 58.9433% | 3,944 |
| Net loans and leases to deposits | 67.6957% | 4,168 |
| Net loans and leases to core deposits | 69.5187% | 4,373 |
| Total domestic deposits to total assets | 87.0711% | 2,279 |
| Equity capital to assets | 12.6143% | 1,629 |
| Core capital (leverage) ratio | 12.9357% | 1,209 |
| Tier 1 risk-based capital ratio | 14.4837% | 3,900 |
| Total risk-based capital ratio | 15.7375% | 3,833 |
| Memoranda: | ||
| Average total assets | $228,044,500 | 2,733 |
| Average earning assets | $217,017,250 | 2,662 |
| Average equity | $29,137,000 | 2,342 |
| Average total loans | $138,216,250 | 2,755 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 4,882 |
| Cost of funding earning assets | 0.2730% | 5,255 |
| Net interest margin | 3.4191% | 4,102 |
| Noninterest income to average assets | 0.2251% | 5,596 |
| Noninterest expense to average assets | 3.4590% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0196% | 6,168 |
| Return on assets (ROA) | 0.0196% | 6,194 |
| Pretax return on assets | 0.0196% | 6,181 |
| Return on Equity (ROE) | 0.1525% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.1525% | 5,641 |
| Net charge-offs to loans | -0.0908% | 6,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4373% | 420 |
| Assets per employee ($millions) | 4.9112% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9040% | 428 |
| Loan loss allowance to noncurrent loans | 222.0348% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 1.2615% | 2,589 |
| Noncurrent loans to loans | 1.3079% | 2,624 |
| Net loans and leases to total assets | 60.3972% | 3,655 |
| Net loans and leases to deposits | 69.5307% | 3,880 |
| Net loans and leases to core deposits | 71.1644% | 4,133 |
| Total domestic deposits to total assets | 86.8641% | 2,538 |
| Equity capital to assets | 12.7910% | 1,495 |
| Core capital (leverage) ratio | 12.8122% | 1,234 |
| Tier 1 risk-based capital ratio | 14.5045% | 3,931 |
| Total risk-based capital ratio | 15.7653% | 3,861 |
| Memoranda: | ||
| Average total assets | $224,803,000 | 2,772 |
| Average earning assets | $213,918,670 | 2,698 |
| Average equity | $28,851,670 | 2,353 |
| Average total loans | $136,533,330 | 2,771 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 5,006 |
| Cost of funding earning assets | 0.2739% | 5,347 |
| Net interest margin | 3.3751% | 4,243 |
| Noninterest income to average assets | 0.2355% | 5,478 |
| Noninterest expense to average assets | 3.5033% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0589% | 6,254 |
| Return on assets (ROA) | -0.0589% | 6,262 |
| Pretax return on assets | -0.0589% | 6,253 |
| Return on Equity (ROE) | -0.4579% | 6,255 |
| Retained earnings to average equity (ytd only) | -0.4579% | 5,636 |
| Net charge-offs to loans | -0.0892% | 6,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7090% | 434 |
| Assets per employee ($millions) | 4.8838% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9616% | 453 |
| Loan loss allowance to noncurrent loans | 153.6039% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.5893% | 2,219 |
| Noncurrent loans to loans | 1.9281% | 1,952 |
| Net loans and leases to total assets | 57.7973% | 3,874 |
| Net loans and leases to deposits | 68.8416% | 3,757 |
| Net loans and leases to core deposits | 78.7244% | 3,121 |
| Total domestic deposits to total assets | 83.9570% | 4,289 |
| Equity capital to assets | 12.5468% | 1,545 |
| Core capital (leverage) ratio | 12.9810% | 1,172 |
| Tier 1 risk-based capital ratio | 13.6353% | 4,593 |
| Total risk-based capital ratio | 14.8942% | 4,535 |
| Memoranda: | ||
| Average total assets | $224,246,500 | 2,784 |
| Average earning assets | $213,209,000 | 2,720 |
| Average equity | $28,829,000 | 2,338 |
| Average total loans | $134,536,000 | 2,820 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 4,643 |
| Cost of funding earning assets | 0.3171% | 5,451 |
| Net interest margin | 3.5272% | 3,776 |
| Noninterest income to average assets | 0.3025% | 5,182 |
| Noninterest expense to average assets | 3.5762% | 1,490 |
| Loan and lease loss provision to assets | -0.7828% | 6,785 |
| Net operating income to assets | 0.8542% | 3,009 |
| Return on assets (ROA) | 0.8542% | 3,087 |
| Pretax return on assets | 0.8542% | 3,944 |
| Return on Equity (ROE) | 6.7690% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.7690% | 1,547 |
| Net charge-offs to loans | -0.0910% | 6,455 |
| Credit loss provision to net charge-offs | 1,416.6667% | 174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0432% | 542 |
| Assets per employee ($millions) | 4.8656% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0365% | 450 |
| Loan loss allowance to noncurrent loans | 137.5899% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.4898% | 2,496 |
| Noncurrent loans to loans | 2.2069% | 1,765 |
| Net loans and leases to total assets | 58.6135% | 3,934 |
| Net loans and leases to deposits | 67.7893% | 4,086 |
| Net loans and leases to core deposits | 83.0009% | 2,772 |
| Total domestic deposits to total assets | 86.4642% | 3,014 |
| Equity capital to assets | 13.1800% | 1,194 |
| Core capital (leverage) ratio | 12.7963% | 1,222 |
| Tier 1 risk-based capital ratio | 14.7060% | 3,839 |
| Total risk-based capital ratio | 15.9663% | 3,775 |
| Memoranda: | ||
| Average total assets | $217,157,800 | 2,837 |
| Average earning assets | $205,943,400 | 2,769 |
| Average equity | $27,404,400 | 2,424 |
| Average total loans | $131,872,600 | 2,826 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 4,768 |
| Cost of funding earning assets | 0.3185% | 5,567 |
| Net interest margin | 3.5032% | 3,869 |
| Noninterest income to average assets | 0.3107% | 5,215 |
| Noninterest expense to average assets | 3.5727% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0609% | 6,199 |
| Return on assets (ROA) | 0.0609% | 6,258 |
| Pretax return on assets | 0.0609% | 6,247 |
| Return on Equity (ROE) | 0.4881% | 6,269 |
| Retained earnings to average equity (ytd only) | 0.4881% | 5,768 |
| Net charge-offs to loans | -0.1154% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3237% | 518 |
| Assets per employee ($millions) | 4.9559% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0891% | 219 |
| Loan loss allowance to noncurrent loans | 195.5168% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.4631% | 2,747 |
| Noncurrent loans to loans | 2.0914% | 2,140 |
| Net loans and leases to total assets | 60.0859% | 3,680 |
| Net loans and leases to deposits | 68.6359% | 3,979 |
| Net loans and leases to core deposits | 83.6032% | 2,689 |
| Total domestic deposits to total assets | 87.5429% | 2,389 |
| Equity capital to assets | 12.1481% | 1,828 |
| Core capital (leverage) ratio | 12.4196% | 1,462 |
| Tier 1 risk-based capital ratio | 13.8686% | 4,525 |
| Total risk-based capital ratio | 15.1399% | 4,461 |
| Memoranda: | ||
| Average total assets | $216,709,000 | 2,869 |
| Average earning assets | $205,561,750 | 2,800 |
| Average equity | $27,041,000 | 2,478 |
| Average total loans | $131,752,000 | 2,840 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 4,740 |
| Cost of funding earning assets | 0.3247% | 5,619 |
| Net interest margin | 3.5023% | 3,773 |
| Noninterest income to average assets | 0.3318% | 5,039 |
| Noninterest expense to average assets | 3.5954% | 1,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0541% | 6,233 |
| Return on assets (ROA) | 0.0541% | 6,312 |
| Pretax return on assets | 0.0541% | 6,301 |
| Return on Equity (ROE) | 0.4292% | 6,320 |
| Retained earnings to average equity (ytd only) | 0.4292% | 5,722 |
| Net charge-offs to loans | 0.4028% | 1,604 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.2231% | 4,469 |
| Efficiency ratio | 98.5189% | 544 |
| Assets per employee ($millions) | 4.5727% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0910% | 234 |
| Loan loss allowance to noncurrent loans | 115.4129% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 2.3111% | 1,870 |
| Noncurrent loans to loans | 3.5447% | 1,178 |
| Net loans and leases to total assets | 58.2400% | 3,945 |
| Net loans and leases to deposits | 66.8959% | 4,161 |
| Net loans and leases to core deposits | 82.5863% | 2,743 |
| Total domestic deposits to total assets | 87.0605% | 2,784 |
| Equity capital to assets | 12.5784% | 1,528 |
| Core capital (leverage) ratio | 12.5012% | 1,357 |
| Tier 1 risk-based capital ratio | 14.4790% | 4,113 |
| Total risk-based capital ratio | 15.7493% | 4,062 |
| Memoranda: | ||
| Average total assets | $214,607,330 | 2,907 |
| Average earning assets | $203,292,330 | 2,833 |
| Average equity | $27,024,000 | 2,486 |
| Average total loans | $129,098,330 | 2,899 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 4,728 |
| Cost of funding earning assets | 0.3311% | 5,711 |
| Net interest margin | 3.4964% | 3,716 |
| Noninterest income to average assets | 0.2947% | 5,351 |
| Noninterest expense to average assets | 3.5700% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0336% | 6,291 |
| Return on assets (ROA) | 0.0336% | 6,373 |
| Pretax return on assets | 0.0336% | 6,368 |
| Return on Equity (ROE) | 0.2665% | 6,382 |
| Retained earnings to average equity (ytd only) | 0.2665% | 5,702 |
| Net charge-offs to loans | -0.0343% | 5,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0683% | 582 |
| Assets per employee ($millions) | 4.7712% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3639% | 217 |
| Loan loss allowance to noncurrent loans | 185.2708% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 1.7349% | 2,688 |
| Noncurrent loans to loans | 2.3554% | 2,212 |
| Net loans and leases to total assets | 57.2620% | 3,874 |
| Net loans and leases to deposits | 65.7084% | 4,095 |
| Net loans and leases to core deposits | 81.8084% | 2,598 |
| Total domestic deposits to total assets | 87.1457% | 2,870 |
| Equity capital to assets | 12.5879% | 1,659 |
| Core capital (leverage) ratio | 12.5871% | 1,301 |
| Tier 1 risk-based capital ratio | 14.3657% | 4,258 |
| Total risk-based capital ratio | 15.6375% | 4,215 |
| Memoranda: | ||
| Average total assets | $214,453,000 | 2,935 |
| Average earning assets | $202,949,000 | 2,866 |
| Average equity | $27,019,500 | 2,519 |
| Average total loans | $128,394,500 | 2,918 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 5,243 |
| Cost of funding earning assets | 0.4052% | 5,882 |
| Net interest margin | 3.6141% | 4,027 |
| Noninterest income to average assets | 0.3208% | 5,165 |
| Noninterest expense to average assets | 4.0475% | 923 |
| Loan and lease loss provision to assets | -0.6865% | 7,057 |
| Net operating income to assets | 0.3890% | 5,142 |
| Return on assets (ROA) | 0.3890% | 5,380 |
| Pretax return on assets | 0.3890% | 5,600 |
| Return on Equity (ROE) | 3.4262% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.4262% | 3,814 |
| Net charge-offs to loans | -1.1681% | 7,029 |
| Credit loss provision to net charge-offs | 101.6260% | 2,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9326% | 366 |
| Assets per employee ($millions) | 4.5574% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3662% | 216 |
| Loan loss allowance to noncurrent loans | 176.6803% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8049% | 2,707 |
| Noncurrent loans to loans | 2.4713% | 2,149 |
| Net loans and leases to total assets | 57.2526% | 4,091 |
| Net loans and leases to deposits | 66.8063% | 4,166 |
| Net loans and leases to core deposits | 87.7475% | 2,116 |
| Total domestic deposits to total assets | 85.6993% | 3,512 |
| Equity capital to assets | 12.6106% | 1,635 |
| Core capital (leverage) ratio | 12.5942% | 1,287 |
| Tier 1 risk-based capital ratio | 14.8572% | 3,798 |
| Total risk-based capital ratio | 16.1306% | 3,736 |
| Memoranda: | ||
| Average total assets | $218,506,000 | 2,855 |
| Average earning assets | $207,327,600 | 2,773 |
| Average equity | $24,808,800 | 2,676 |
| Average total loans | $126,358,200 | 2,944 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8674% | 5,865 |
| Cost of funding earning assets | 0.4213% | 5,976 |
| Net interest margin | 3.4461% | 4,857 |
| Noninterest income to average assets | 0.3309% | 5,157 |
| Noninterest expense to average assets | 4.0700% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4663% | 6,682 |
| Return on assets (ROA) | -0.4663% | 6,719 |
| Pretax return on assets | -0.4663% | 6,691 |
| Return on Equity (ROE) | -4.2212% | 6,689 |
| Retained earnings to average equity (ytd only) | -4.2212% | 6,568 |
| Net charge-offs to loans | -1.5050% | 7,128 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9402% | 258 |
| Assets per employee ($millions) | 5.4342% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4942% | 102 |
| Loan loss allowance to noncurrent loans | 95.7195% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 3.6332% | 1,367 |
| Noncurrent loans to loans | 5.7398% | 736 |
| Net loans and leases to total assets | 57.1708% | 4,267 |
| Net loans and leases to deposits | 64.6486% | 4,637 |
| Net loans and leases to core deposits | 84.4579% | 2,646 |
| Total domestic deposits to total assets | 88.4332% | 1,770 |
| Equity capital to assets | 11.3285% | 2,904 |
| Core capital (leverage) ratio | 10.8780% | 2,511 |
| Tier 1 risk-based capital ratio | 13.3612% | 4,981 |
| Total risk-based capital ratio | 14.6449% | 4,912 |
| Memoranda: | ||
| Average total assets | $219,582,500 | 2,864 |
| Average earning assets | $208,539,750 | 2,782 |
| Average equity | $24,258,000 | 2,757 |
| Average total loans | $125,889,250 | 2,998 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 5,996 |
| Cost of funding earning assets | 0.4347% | 6,072 |
| Net interest margin | 3.4323% | 4,960 |
| Noninterest income to average assets | 0.3322% | 5,170 |
| Noninterest expense to average assets | 4.1732% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.5780% | 6,769 |
| Return on assets (ROA) | -0.5780% | 6,797 |
| Pretax return on assets | -0.5780% | 6,764 |
| Return on Equity (ROE) | -5.2751% | 6,781 |
| Retained earnings to average equity (ytd only) | -5.2751% | 6,634 |
| Net charge-offs to loans | -1.4099% | 7,189 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0781% | 253 |
| Assets per employee ($millions) | 4.4567% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0757% | 154 |
| Loan loss allowance to noncurrent loans | 66.5337% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 4.4155% | 1,124 |
| Noncurrent loans to loans | 7.6288% | 467 |
| Net loans and leases to total assets | 52.4936% | 5,035 |
| Net loans and leases to deposits | 66.0635% | 4,503 |
| Net loans and leases to core deposits | 88.1085% | 2,196 |
| Total domestic deposits to total assets | 79.4593% | 5,869 |
| Equity capital to assets | 10.3845% | 3,836 |
| Core capital (leverage) ratio | 10.8495% | 2,436 |
| Tier 1 risk-based capital ratio | 11.6914% | 6,113 |
| Total risk-based capital ratio | 12.9654% | 6,085 |
| Memoranda: | ||
| Average total assets | $222,131,670 | 2,841 |
| Average earning assets | $211,172,330 | 2,748 |
| Average equity | $24,341,000 | 2,734 |
| Average total loans | $125,116,000 | 3,025 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 5,959 |
| Cost of funding earning assets | 0.4592% | 6,086 |
| Net interest margin | 3.4664% | 4,839 |
| Noninterest income to average assets | 0.3681% | 4,929 |
| Noninterest expense to average assets | 4.2205% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5595% | 6,863 |
| Return on assets (ROA) | -0.5595% | 6,885 |
| Pretax return on assets | -0.5595% | 6,854 |
| Return on Equity (ROE) | -4.9676% | 6,849 |
| Retained earnings to average equity (ytd only) | -4.9676% | 6,577 |
| Net charge-offs to loans | 0.9871% | 1,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.9967% | 4,552 |
| Efficiency ratio | 115.2841% | 268 |
| Assets per employee ($millions) | 4.0344% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4361% | 258 |
| Loan loss allowance to noncurrent loans | 41.9732% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 6.0123% | 783 |
| Noncurrent loans to loans | 10.5688% | 270 |
| Net loans and leases to total assets | 52.5868% | 4,937 |
| Net loans and leases to deposits | 59.3951% | 5,233 |
| Net loans and leases to core deposits | 83.3464% | 2,630 |
| Total domestic deposits to total assets | 88.5373% | 1,989 |
| Equity capital to assets | 11.1744% | 2,734 |
| Core capital (leverage) ratio | 11.1179% | 2,173 |
| Tier 1 risk-based capital ratio | 12.5428% | 5,572 |
| Total risk-based capital ratio | 13.8116% | 5,522 |
| Memoranda: | ||
| Average total assets | $217,322,500 | 2,917 |
| Average earning assets | $206,437,500 | 2,815 |
| Average equity | $24,478,500 | 2,718 |
| Average total loans | $123,594,500 | 3,072 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7518% | 4,022 |
| Cost of funding earning assets | 0.5943% | 6,113 |
| Net interest margin | 4.1575% | 2,206 |
| Noninterest income to average assets | 0.1701% | 6,271 |
| Noninterest expense to average assets | 3.7868% | 1,371 |
| Loan and lease loss provision to assets | 0.7815% | 1,272 |
| Net operating income to assets | -0.5345% | 6,512 |
| Return on assets (ROA) | -0.5345% | 6,554 |
| Pretax return on assets | -0.5336% | 6,511 |
| Return on Equity (ROE) | -5.3014% | 6,546 |
| Retained earnings to average equity (ytd only) | -5.3014% | 6,470 |
| Net charge-offs to loans | 1.8000% | 817 |
| Credit loss provision to net charge-offs | 64.0791% | 5,056 |
| Earnings coverage of net charge-offs (x) | 0.2032% | 5,680 |
| Efficiency ratio | 93.8572% | 933 |
| Assets per employee ($millions) | 3.9416% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4161% | 273 |
| Loan loss allowance to noncurrent loans | 63.9882% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 4.7917% | 1,131 |
| Noncurrent loans to loans | 6.9014% | 649 |
| Net loans and leases to total assets | 56.1308% | 4,674 |
| Net loans and leases to deposits | 63.6596% | 5,051 |
| Net loans and leases to core deposits | 90.2467% | 2,090 |
| Total domestic deposits to total assets | 88.1733% | 2,041 |
| Equity capital to assets | 11.3534% | 2,635 |
| Core capital (leverage) ratio | 11.2333% | 2,099 |
| Tier 1 risk-based capital ratio | 12.9843% | 5,084 |
| Total risk-based capital ratio | 14.2556% | 5,038 |
| Memoranda: | ||
| Average total assets | $223,935,000 | 2,796 |
| Average earning assets | $208,154,200 | 2,749 |
| Average equity | $22,579,000 | 2,828 |
| Average total loans | $151,726,000 | 2,619 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 3,833 |
| Cost of funding earning assets | 0.6256% | 6,151 |
| Net interest margin | 4.2143% | 2,044 |
| Noninterest income to average assets | -0.3922% | 7,323 |
| Noninterest expense to average assets | 3.6463% | 1,609 |
| Loan and lease loss provision to assets | 1.0337% | 816 |
| Net operating income to assets | -1.2038% | 6,960 |
| Return on assets (ROA) | -1.2038% | 6,981 |
| Pretax return on assets | -1.1725% | 6,929 |
| Return on Equity (ROE) | -12.3118% | 6,956 |
| Retained earnings to average equity (ytd only) | -12.3118% | 6,928 |
| Net charge-offs to loans | 1.6279% | 862 |
| Credit loss provision to net charge-offs | 90.8147% | 3,748 |
| Earnings coverage of net charge-offs (x) | -0.1220% | 5,676 |
| Efficiency ratio | 103.9576% | 550 |
| Assets per employee ($millions) | 4.0005% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6437% | 236 |
| Loan loss allowance to noncurrent loans | 58.7638% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 7.4500% | 633 |
| Noncurrent loans to loans | 7.9023% | 558 |
| Net loans and leases to total assets | 59.9813% | 4,130 |
| Net loans and leases to deposits | 66.7896% | 4,787 |
| Net loans and leases to core deposits | 94.5820% | 1,738 |
| Total domestic deposits to total assets | 89.8063% | 970 |
| Equity capital to assets | 9.8906% | 4,491 |
| Core capital (leverage) ratio | 9.8103% | 3,695 |
| Tier 1 risk-based capital ratio | 11.3603% | 6,324 |
| Total risk-based capital ratio | 12.6366% | 6,304 |
| Memoranda: | ||
| Average total assets | $225,721,250 | 2,783 |
| Average earning assets | $208,871,500 | 2,748 |
| Average equity | $22,070,500 | 2,881 |
| Average total loans | $157,830,500 | 2,550 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 3,839 |
| Cost of funding earning assets | 0.6551% | 6,204 |
| Net interest margin | 4.2008% | 2,030 |
| Noninterest income to average assets | -0.6063% | 7,439 |
| Noninterest expense to average assets | 3.8600% | 1,262 |
| Loan and lease loss provision to assets | 1.5377% | 457 |
| Net operating income to assets | -2.1808% | 7,221 |
| Return on assets (ROA) | -2.1808% | 7,229 |
| Pretax return on assets | -2.1105% | 7,185 |
| Return on Equity (ROE) | -22.3873% | 7,174 |
| Retained earnings to average equity (ytd only) | -22.3873% | 7,161 |
| Net charge-offs to loans | 1.0736% | 1,465 |
| Credit loss provision to net charge-offs | 198.4127% | 1,528 |
| Earnings coverage of net charge-offs (x) | -0.7392% | 5,587 |
| Efficiency ratio | 117.4285% | 368 |
| Assets per employee ($millions) | 4.4107% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7851% | 221 |
| Loan loss allowance to noncurrent loans | 59.0625% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 8.0948% | 564 |
| Noncurrent loans to loans | 8.1018% | 555 |
| Net loans and leases to total assets | 64.8246% | 3,291 |
| Net loans and leases to deposits | 71.7341% | 4,155 |
| Net loans and leases to core deposits | 106.6793% | 888 |
| Total domestic deposits to total assets | 90.3678% | 779 |
| Equity capital to assets | 9.3300% | 5,101 |
| Core capital (leverage) ratio | 9.6253% | 3,773 |
| Tier 1 risk-based capital ratio | 11.0972% | 6,449 |
| Total risk-based capital ratio | 12.3797% | 6,424 |
| Memoranda: | ||
| Average total assets | $227,619,330 | 2,773 |
| Average earning assets | $210,960,670 | 2,751 |
| Average equity | $22,173,330 | 2,857 |
| Average total loans | $164,306,670 | 2,477 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 2,935 |
| Cost of funding earning assets | 0.7039% | 6,109 |
| Net interest margin | 4.3298% | 1,469 |
| Noninterest income to average assets | 0.3422% | 5,178 |
| Noninterest expense to average assets | 3.7662% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5910% | 4,080 |
| Return on assets (ROA) | 0.5910% | 4,148 |
| Pretax return on assets | 0.5910% | 4,720 |
| Return on Equity (ROE) | 5.9396% | 3,941 |
| Retained earnings to average equity (ytd only) | 5.9396% | 2,676 |
| Net charge-offs to loans | 0.4038% | 2,484 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.9706% | 3,325 |
| Efficiency ratio | 86.4372% | 1,663 |
| Assets per employee ($millions) | 4.1621% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9168% | 441 |
| Loan loss allowance to noncurrent loans | 54.4055% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 8.3843% | 545 |
| Noncurrent loans to loans | 7.1993% | 746 |
| Net loans and leases to total assets | 71.5501% | 1,804 |
| Net loans and leases to deposits | 80.0557% | 2,717 |
| Net loans and leases to core deposits | 122.4565% | 374 |
| Total domestic deposits to total assets | 89.3754% | 1,546 |
| Equity capital to assets | 10.3019% | 3,411 |
| Core capital (leverage) ratio | 9.7494% | 3,449 |
| Tier 1 risk-based capital ratio | 11.0635% | 6,465 |
| Total risk-based capital ratio | 12.3368% | 6,425 |
| Memoranda: | ||
| Average total assets | $226,751,000 | 2,799 |
| Average earning assets | $210,261,500 | 2,783 |
| Average equity | $22,560,500 | 2,795 |
| Average total loans | $168,384,500 | 2,456 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 3,195 |
| Cost of funding earning assets | 0.8534% | 6,360 |
| Net interest margin | 4.4326% | 1,393 |
| Noninterest income to average assets | 0.1809% | 6,453 |
| Noninterest expense to average assets | 3.4212% | 2,376 |
| Loan and lease loss provision to assets | 3.9712% | 160 |
| Net operating income to assets | -3.1386% | 7,323 |
| Return on assets (ROA) | -3.1386% | 7,340 |
| Pretax return on assets | -3.0674% | 7,308 |
| Return on Equity (ROE) | -32.1359% | 7,260 |
| Retained earnings to average equity (ytd only) | -32.3441% | 7,251 |
| Net charge-offs to loans | 3.3681% | 443 |
| Credit loss provision to net charge-offs | 152.1182% | 2,360 |
| Earnings coverage of net charge-offs (x) | 0.3462% | 5,759 |
| Efficiency ratio | 79.1026% | 2,524 |
| Assets per employee ($millions) | 4.3132% | 3,177 |
| Cash dividends to net income (ytd only)* | -0.6480% | 7,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8284% | 458 |
| Loan loss allowance to noncurrent loans | 43.8513% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 8.0464% | 615 |
| Noncurrent loans to loans | 8.7303% | 547 |
| Net loans and leases to total assets | 71.2281% | 2,254 |
| Net loans and leases to deposits | 85.1772% | 2,242 |
| Net loans and leases to core deposits | 131.7006% | 310 |
| Total domestic deposits to total assets | 83.6234% | 4,543 |
| Equity capital to assets | 9.6157% | 4,252 |
| Core capital (leverage) ratio | 9.2867% | 4,028 |
| Tier 1 risk-based capital ratio | 10.8189% | 6,472 |
| Total risk-based capital ratio | 12.0932% | 6,423 |
| Memoranda: | ||
| Average total assets | $235,997,400 | 2,684 |
| Average earning assets | $220,638,000 | 2,626 |
| Average equity | $23,049,000 | 2,753 |
| Average total loans | $182,921,000 | 2,317 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 3,445 |
| Cost of funding earning assets | 0.8835% | 6,456 |
| Net interest margin | 4.3977% | 1,531 |
| Noninterest income to average assets | 0.3035% | 5,722 |
| Noninterest expense to average assets | 3.3692% | 2,374 |
| Loan and lease loss provision to assets | 1.8290% | 684 |
| Net operating income to assets | -0.7856% | 6,788 |
| Return on assets (ROA) | -0.7856% | 6,820 |
| Pretax return on assets | -0.7856% | 6,730 |
| Return on Equity (ROE) | -8.0128% | 6,835 |
| Retained earnings to average equity (ytd only) | -8.2885% | 6,790 |
| Net charge-offs to loans | 1.1355% | 1,797 |
| Credit loss provision to net charge-offs | 205.5696% | 1,723 |
| Earnings coverage of net charge-offs (x) | 1.1728% | 4,890 |
| Efficiency ratio | 76.3527% | 2,881 |
| Assets per employee ($millions) | 4.4303% | 3,025 |
| Cash dividends to net income (ytd only)* | -3.4410% | 7,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8494% | 964 |
| Loan loss allowance to noncurrent loans | 43.7198% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 6.5111% | 874 |
| Noncurrent loans to loans | 6.5173% | 918 |
| Net loans and leases to total assets | 72.1282% | 2,228 |
| Net loans and leases to deposits | 86.7487% | 2,195 |
| Net loans and leases to core deposits | 135.9452% | 303 |
| Total domestic deposits to total assets | 83.1461% | 4,528 |
| Equity capital to assets | 10.3203% | 3,739 |
| Core capital (leverage) ratio | 10.2876% | 2,935 |
| Tier 1 risk-based capital ratio | 11.4309% | 5,990 |
| Total risk-based capital ratio | 12.6948% | 5,964 |
| Memoranda: | ||
| Average total assets | $236,769,000 | 2,709 |
| Average earning assets | $221,229,500 | 2,653 |
| Average equity | $23,212,250 | 2,775 |
| Average total loans | $185,525,750 | 2,323 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3065% | 3,441 |
| Cost of funding earning assets | 0.9227% | 6,490 |
| Net interest margin | 4.3839% | 1,494 |
| Noninterest income to average assets | 0.2687% | 6,001 |
| Noninterest expense to average assets | 3.3567% | 2,384 |
| Loan and lease loss provision to assets | 2.5853% | 433 |
| Net operating income to assets | -1.5775% | 7,180 |
| Return on assets (ROA) | -1.5775% | 7,191 |
| Pretax return on assets | -1.5775% | 7,108 |
| Return on Equity (ROE) | -16.3823% | 7,184 |
| Retained earnings to average equity (ytd only) | -16.8048% | 7,162 |
| Net charge-offs to loans | 1.6135% | 1,178 |
| Credit loss provision to net charge-offs | 200.9223% | 1,949 |
| Earnings coverage of net charge-offs (x) | 0.7833% | 4,979 |
| Efficiency ratio | 76.9081% | 2,910 |
| Assets per employee ($millions) | 4.2989% | 3,218 |
| Cash dividends to net income (ytd only)* | -2.5793% | 7,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6637% | 1,127 |
| Loan loss allowance to noncurrent loans | 33.1003% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 6.6165% | 832 |
| Noncurrent loans to loans | 8.0474% | 646 |
| Net loans and leases to total assets | 76.1156% | 1,476 |
| Net loans and leases to deposits | 92.5447% | 1,449 |
| Net loans and leases to core deposits | 148.3456% | 225 |
| Total domestic deposits to total assets | 82.2474% | 4,886 |
| Equity capital to assets | 9.0226% | 5,411 |
| Core capital (leverage) ratio | 8.8502% | 4,834 |
| Tier 1 risk-based capital ratio | 9.6096% | 7,220 |
| Total risk-based capital ratio | 10.8716% | 7,215 |
| Memoranda: | ||
| Average total assets | $235,946,000 | 2,739 |
| Average earning assets | $220,445,000 | 2,677 |
| Average equity | $22,719,670 | 2,834 |
| Average total loans | $188,161,330 | 2,329 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5043% | 2,560 |
| Cost of funding earning assets | 0.9532% | 6,564 |
| Net interest margin | 4.5511% | 1,046 |
| Noninterest income to average assets | 0.3903% | 4,998 |
| Noninterest expense to average assets | 3.2499% | 2,700 |
| Loan and lease loss provision to assets | 0.4412% | 2,761 |
| Net operating income to assets | 0.5651% | 4,054 |
| Return on assets (ROA) | 0.5651% | 4,200 |
| Pretax return on assets | 0.9453% | 3,287 |
| Return on Equity (ROE) | 5.6891% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.3475% | 2,963 |
| Net charge-offs to loans | 0.6934% | 2,107 |
| Credit loss provision to net charge-offs | 79.0274% | 3,901 |
| Earnings coverage of net charge-offs (x) | 2.4833% | 3,300 |
| Efficiency ratio | 70.0952% | 4,282 |
| Assets per employee ($millions) | 4.6316% | 2,746 |
| Cash dividends to net income (ytd only)* | 6.0060% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 2,836 |
| Loan loss allowance to noncurrent loans | 59.7519% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 2.6893% | 2,710 |
| Noncurrent loans to loans | 2.9572% | 2,716 |
| Net loans and leases to total assets | 76.7270% | 1,386 |
| Net loans and leases to deposits | 96.5036% | 1,042 |
| Net loans and leases to core deposits | 152.6118% | 229 |
| Total domestic deposits to total assets | 79.5068% | 5,942 |
| Equity capital to assets | 9.7857% | 4,132 |
| Core capital (leverage) ratio | 10.2278% | 2,896 |
| Tier 1 risk-based capital ratio | 10.6814% | 6,463 |
| Total risk-based capital ratio | 11.9343% | 6,447 |
| Memoranda: | ||
| Average total assets | $235,699,500 | 2,808 |
| Average earning assets | $219,901,500 | 2,740 |
| Average equity | $23,413,000 | 2,778 |
| Average total loans | $189,796,000 | 2,377 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8708% | 2,369 |
| Cost of funding earning assets | 1.4974% | 5,524 |
| Net interest margin | 4.3734% | 1,503 |
| Noninterest income to average assets | 0.3891% | 5,301 |
| Noninterest expense to average assets | 3.3616% | 2,802 |
| Loan and lease loss provision to assets | 1.0530% | 2,181 |
| Net operating income to assets | 0.1442% | 5,067 |
| Return on assets (ROA) | 0.1442% | 5,135 |
| Pretax return on assets | 0.0841% | 5,255 |
| Return on Equity (ROE) | 1.4746% | 5,097 |
| Retained earnings to average equity (ytd only) | -0.8113% | 5,209 |
| Net charge-offs to loans | 0.6706% | 3,175 |
| Credit loss provision to net charge-offs | 191.4741% | 2,084 |
| Earnings coverage of net charge-offs (x) | 2.0677% | 4,178 |
| Efficiency ratio | 74.7224% | 3,756 |
| Assets per employee ($millions) | 4.3502% | 3,194 |
| Cash dividends to net income (ytd only)* | 155.0152% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 2,634 |
| Loan loss allowance to noncurrent loans | 61.1351% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.8739% | 2,439 |
| Noncurrent loans to loans | 2.8985% | 2,665 |
| Net loans and leases to total assets | 81.5782% | 753 |
| Net loans and leases to deposits | 99.3335% | 964 |
| Net loans and leases to core deposits | 183.4260% | 148 |
| Total domestic deposits to total assets | 82.1255% | 4,895 |
| Equity capital to assets | 10.0877% | 3,636 |
| Core capital (leverage) ratio | 10.4452% | 2,654 |
| Tier 1 risk-based capital ratio | 10.7609% | 6,144 |
| Total risk-based capital ratio | 12.0147% | 6,117 |
| Memoranda: | ||
| Average total assets | $228,197,400 | 2,842 |
| Average earning assets | $214,435,000 | 2,772 |
| Average equity | $22,311,000 | 2,910 |
| Average total loans | $187,157,800 | 2,436 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8920% | 2,486 |
| Cost of funding earning assets | 1.6117% | 5,351 |
| Net interest margin | 4.2804% | 1,782 |
| Noninterest income to average assets | 0.3603% | 5,617 |
| Noninterest expense to average assets | 3.3185% | 2,842 |
| Loan and lease loss provision to assets | 0.3989% | 3,921 |
| Net operating income to assets | 0.4060% | 4,374 |
| Return on assets (ROA) | 0.4060% | 4,478 |
| Pretax return on assets | 0.6801% | 3,928 |
| Return on Equity (ROE) | 4.1858% | 4,306 |
| Retained earnings to average equity (ytd only) | 1.8905% | 4,267 |
| Net charge-offs to loans | 0.1268% | 5,426 |
| Credit loss provision to net charge-offs | 384.7458% | 1,050 |
| Earnings coverage of net charge-offs (x) | 10.4070% | 1,965 |
| Efficiency ratio | 75.4629% | 3,593 |
| Assets per employee ($millions) | 4.4562% | 2,932 |
| Cash dividends to net income (ytd only)* | 54.8334% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 3,646 |
| Loan loss allowance to noncurrent loans | 53.2339% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 2.3062% | 2,970 |
| Noncurrent loans to loans | 2.7416% | 2,764 |
| Net loans and leases to total assets | 80.0996% | 1,148 |
| Net loans and leases to deposits | 94.1958% | 1,855 |
| Net loans and leases to core deposits | 168.4867% | 284 |
| Total domestic deposits to total assets | 85.0352% | 3,219 |
| Equity capital to assets | 10.2553% | 3,782 |
| Core capital (leverage) ratio | 10.5518% | 2,754 |
| Tier 1 risk-based capital ratio | 11.5112% | 5,415 |
| Total risk-based capital ratio | 12.7615% | 5,368 |
| Memoranda: | ||
| Average total assets | $227,607,250 | 2,869 |
| Average earning assets | $214,680,250 | 2,792 |
| Average equity | $22,074,250 | 2,968 |
| Average total loans | $186,077,750 | 2,473 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9618% | 2,337 |
| Cost of funding earning assets | 1.6803% | 5,363 |
| Net interest margin | 4.2815% | 1,699 |
| Noninterest income to average assets | 0.3457% | 5,739 |
| Noninterest expense to average assets | 3.3576% | 2,761 |
| Loan and lease loss provision to assets | 0.5251% | 2,921 |
| Net operating income to assets | 0.2935% | 4,926 |
| Return on assets (ROA) | 0.2935% | 5,032 |
| Pretax return on assets | 0.4951% | 4,634 |
| Return on Equity (ROE) | 3.0868% | 4,866 |
| Retained earnings to average equity (ytd only) | 0.7159% | 4,906 |
| Net charge-offs to loans | 0.1230% | 4,931 |
| Credit loss provision to net charge-offs | 521.0526% | 886 |
| Earnings coverage of net charge-offs (x) | 10.1228% | 2,032 |
| Efficiency ratio | 76.6963% | 3,565 |
| Assets per employee ($millions) | 4.1598% | 3,371 |
| Cash dividends to net income (ytd only)* | 76.8072% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 3,307 |
| Loan loss allowance to noncurrent loans | 68.6052% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.9544% | 3,262 |
| Noncurrent loans to loans | 2.1576% | 3,300 |
| Net loans and leases to total assets | 82.2621% | 910 |
| Net loans and leases to deposits | 97.5332% | 1,597 |
| Net loans and leases to core deposits | 175.1676% | 267 |
| Total domestic deposits to total assets | 84.3427% | 3,575 |
| Equity capital to assets | 9.7768% | 4,246 |
| Core capital (leverage) ratio | 9.7170% | 3,611 |
| Tier 1 risk-based capital ratio | 10.4620% | 6,409 |
| Total risk-based capital ratio | 11.7126% | 6,358 |
| Memoranda: | ||
| Average total assets | $226,235,000 | 2,902 |
| Average earning assets | $213,057,000 | 2,829 |
| Average equity | $21,511,000 | 3,030 |
| Average total loans | $185,317,330 | 2,511 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9431% | 2,594 |
| Cost of funding earning assets | 1.7430% | 5,396 |
| Net interest margin | 4.2001% | 1,900 |
| Noninterest income to average assets | 0.3195% | 5,894 |
| Noninterest expense to average assets | 3.2455% | 2,811 |
| Loan and lease loss provision to assets | 0.2270% | 4,176 |
| Net operating income to assets | 0.4801% | 4,519 |
| Return on assets (ROA) | 0.4801% | 4,706 |
| Pretax return on assets | 0.8101% | 4,041 |
| Return on Equity (ROE) | 5.1189% | 4,423 |
| Retained earnings to average equity (ytd only) | 2.6991% | 4,384 |
| Net charge-offs to loans | 0.0022% | 5,712 |
| Credit loss provision to net charge-offs | 13,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 594.0000% | 35 |
| Efficiency ratio | 75.7848% | 3,525 |
| Assets per employee ($millions) | 4.2251% | 3,216 |
| Cash dividends to net income (ytd only)* | 47.2727% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 4,112 |
| Loan loss allowance to noncurrent loans | 56.3093% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.9193% | 3,029 |
| Noncurrent loans to loans | 2.2985% | 2,859 |
| Net loans and leases to total assets | 79.3530% | 1,507 |
| Net loans and leases to deposits | 95.9367% | 1,957 |
| Net loans and leases to core deposits | 176.1003% | 278 |
| Total domestic deposits to total assets | 82.7139% | 4,283 |
| Equity capital to assets | 9.4809% | 4,692 |
| Core capital (leverage) ratio | 9.5007% | 3,985 |
| Tier 1 risk-based capital ratio | 10.1087% | 6,801 |
| Total risk-based capital ratio | 11.2200% | 6,862 |
| Memoranda: | ||
| Average total assets | $229,116,500 | 2,880 |
| Average earning assets | $216,183,500 | 2,807 |
| Average equity | $21,489,000 | 3,042 |
| Average total loans | $185,931,000 | 2,522 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5362% | 2,777 |
| Cost of funding earning assets | 2.3647% | 4,873 |
| Net interest margin | 4.1715% | 2,431 |
| Noninterest income to average assets | 0.3006% | 6,310 |
| Noninterest expense to average assets | 3.3154% | 2,920 |
| Loan and lease loss provision to assets | 0.2946% | 4,028 |
| Net operating income to assets | 0.4723% | 4,858 |
| Return on assets (ROA) | 0.4723% | 4,676 |
| Pretax return on assets | 0.6099% | 4,663 |
| Return on Equity (ROE) | 5.1877% | 4,288 |
| Retained earnings to average equity (ytd only) | 2.5913% | 3,579 |
| Net charge-offs to loans | 0.0923% | 5,411 |
| Credit loss provision to net charge-offs | 393.8650% | 1,119 |
| Earnings coverage of net charge-offs (x) | 12.0920% | 2,292 |
| Efficiency ratio | 78.5644% | 2,833 |
| Assets per employee ($millions) | 4.2607% | 3,018 |
| Cash dividends to net income (ytd only)* | 50.0486% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 4,610 |
| Loan loss allowance to noncurrent loans | 55.0785% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 1.7820% | 2,750 |
| Noncurrent loans to loans | 2.1630% | 2,550 |
| Net loans and leases to total assets | 80.9270% | 1,460 |
| Net loans and leases to deposits | 97.4715% | 2,201 |
| Net loans and leases to core deposits | 185.9078% | 239 |
| Total domestic deposits to total assets | 83.0263% | 3,765 |
| Equity capital to assets | 9.2781% | 4,962 |
| Core capital (leverage) ratio | 9.4998% | 4,016 |
| Tier 1 risk-based capital ratio | 9.8383% | 6,912 |
| Total risk-based capital ratio | 10.8681% | 7,073 |
| Memoranda: | ||
| Average total assets | $217,890,000 | 2,900 |
| Average earning assets | $204,720,200 | 2,844 |
| Average equity | $19,835,400 | 3,257 |
| Average total loans | $176,510,400 | 2,543 |