Home > Liberty National Bank > Performance and Condition Ratios
Liberty National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7102% | 914 |
| Cost of funding earning assets | 1.9591% | 978 |
| Net interest margin | 3.7510% | 1,644 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.3052% | 2,840 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5306% | 964 |
| Return on assets (ROA) | 1.5306% | 936 |
| Pretax return on assets | 1.5306% | 1,356 |
| Return on Equity (ROE) | 19.5000% | 655 |
| Retained earnings to average equity (ytd only) | 13.8801% | 410 |
| Net charge-offs to loans | 0.0065% | 2,455 |
| Credit loss provision to net charge-offs | 1,222.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 354.0000% | 384 |
| Efficiency ratio | 58.5956% | 3,232 |
| Assets per employee ($millions) | 8.1015% | 1,386 |
| Cash dividends to net income (ytd only)* | 28.8315% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,371 |
| Loan loss allowance to noncurrent loans | 429.4307% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 2,300 |
| Noncurrent loans to loans | 0.2304% | 2,396 |
| Net loans and leases to total assets | 65.4100% | 2,321 |
| Net loans and leases to deposits | 71.3339% | 2,798 |
| Net loans and leases to core deposits | 115.2548% | 773 |
| Total domestic deposits to total assets | 91.7000% | 356 |
| Equity capital to assets | 7.7877% | 3,551 |
| Core capital (leverage) ratio | 8.8458% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4814% | 2,422 |
| Memoranda: | ||
| Average total assets | $1,112,620,000 | 902 |
| Average earning assets | $1,051,684,000 | 881 |
| Average equity | $87,319,000 | 1,059 |
| Average total loans | $774,778,800 | 889 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7537% | 728 |
| Cost of funding earning assets | 1.9050% | 859 |
| Net interest margin | 3.8487% | 1,495 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.3559% | 2,638 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.5989% | 940 |
| Return on assets (ROA) | 1.5989% | 938 |
| Pretax return on assets | 1.5989% | 1,362 |
| Return on Equity (ROE) | 20.3300% | 692 |
| Retained earnings to average equity (ytd only) | 13.0796% | 802 |
| Net charge-offs to loans | 0.0118% | 1,963 |
| Credit loss provision to net charge-offs | 555.8824% | 587 |
| Earnings coverage of net charge-offs (x) | 197.4853% | 605 |
| Efficiency ratio | 58.0460% | 3,199 |
| Assets per employee ($millions) | 7.1511% | 1,847 |
| Cash dividends to net income (ytd only)* | 35.6621% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,470 |
| Loan loss allowance to noncurrent loans | 393.1472% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 2,393 |
| Noncurrent loans to loans | 0.2488% | 2,348 |
| Net loans and leases to total assets | 71.1900% | 1,671 |
| Net loans and leases to deposits | 77.9480% | 2,249 |
| Net loans and leases to core deposits | 81.1506% | 2,521 |
| Total domestic deposits to total assets | 91.3300% | 596 |
| Equity capital to assets | 8.0059% | 3,058 |
| Core capital (leverage) ratio | 8.7807% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2186% | 2,543 |
| Memoranda: | ||
| Average total assets | $1,084,942,750 | 921 |
| Average earning assets | $1,025,280,500 | 899 |
| Average equity | $85,331,500 | 1,072 |
| Average total loans | $766,419,750 | 895 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4293% | 924 |
| Cost of funding earning assets | 1.8121% | 726 |
| Net interest margin | 3.6172% | 1,998 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.3468% | 2,661 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3756% | 1,392 |
| Return on assets (ROA) | 1.3756% | 1,372 |
| Pretax return on assets | 1.3756% | 1,871 |
| Return on Equity (ROE) | 17.6000% | 1,000 |
| Retained earnings to average equity (ytd only) | 9.2077% | 1,628 |
| Net charge-offs to loans | 0.0237% | 1,407 |
| Credit loss provision to net charge-offs | 404.4444% | 732 |
| Earnings coverage of net charge-offs (x) | 86.7889% | 1,006 |
| Efficiency ratio | 61.0509% | 2,837 |
| Assets per employee ($millions) | 7.5266% | 1,594 |
| Cash dividends to net income (ytd only)* | 47.6768% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 3,484 |
| Loan loss allowance to noncurrent loans | 411.3127% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 2,382 |
| Noncurrent loans to loans | 0.2400% | 2,306 |
| Net loans and leases to total assets | 69.4000% | 1,807 |
| Net loans and leases to deposits | 75.6584% | 2,346 |
| Net loans and leases to core deposits | 78.7580% | 2,561 |
| Total domestic deposits to total assets | 91.7300% | 471 |
| Equity capital to assets | 7.6743% | 3,420 |
| Core capital (leverage) ratio | 8.1688% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5786% | 2,743 |
| Memoranda: | ||
| Average total assets | $1,079,498,667 | 917 |
| Average earning assets | $1,019,804,000 | 893 |
| Average equity | $84,386,333 | 1,077 |
| Average total loans | $757,977,333 | 891 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 846 |
| Cost of funding earning assets | 1.6860% | 594 |
| Net interest margin | 3.5945% | 2,144 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.3259% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4588% | 1,266 |
| Return on assets (ROA) | 1.4588% | 1,242 |
| Pretax return on assets | 1.4588% | 1,750 |
| Return on Equity (ROE) | 18.4800% | 964 |
| Retained earnings to average equity (ytd only) | 12.0426% | 1,262 |
| Net charge-offs to loans | 0.0129% | 1,474 |
| Credit loss provision to net charge-offs | 441.6667% | 587 |
| Earnings coverage of net charge-offs (x) | 161.4583% | 586 |
| Efficiency ratio | 60.6347% | 2,876 |
| Assets per employee ($millions) | 7.7180% | 1,500 |
| Cash dividends to net income (ytd only)* | 34.8477% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,529 |
| Loan loss allowance to noncurrent loans | 1,700.6787% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,396 |
| Noncurrent loans to loans | 0.0587% | 3,314 |
| Net loans and leases to total assets | 65.7300% | 2,087 |
| Net loans and leases to deposits | 71.4324% | 2,511 |
| Net loans and leases to core deposits | 74.2895% | 2,656 |
| Total domestic deposits to total assets | 92.0200% | 510 |
| Equity capital to assets | 7.4860% | 3,573 |
| Core capital (leverage) ratio | 8.0049% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9303% | 2,745 |
| Memoranda: | ||
| Average total assets | $1,062,276,000 | 940 |
| Average earning assets | $1,004,750,000 | 917 |
| Average equity | $83,836,000 | 1,094 |
| Average total loans | $746,578,000 | 915 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 1,066 |
| Cost of funding earning assets | 0.5523% | 1,097 |
| Net interest margin | 3.7399% | 1,287 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.3772% | 2,485 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4620% | 974 |
| Return on assets (ROA) | 1.4625% | 935 |
| Pretax return on assets | 1.5208% | 1,393 |
| Return on Equity (ROE) | 17.4500% | 788 |
| Retained earnings to average equity (ytd only) | 12.7457% | 545 |
| Net charge-offs to loans | 0.0054% | 2,229 |
| Credit loss provision to net charge-offs | 2,325.7143% | 231 |
| Earnings coverage of net charge-offs (x) | 439.9429% | 366 |
| Efficiency ratio | 58.8294% | 3,214 |
| Assets per employee ($millions) | 6.4286% | 2,396 |
| Cash dividends to net income (ytd only)* | 26.9442% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,331 |
| Loan loss allowance to noncurrent loans | 2,534.0136% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,516 |
| Noncurrent loans to loans | 0.0397% | 3,488 |
| Net loans and leases to total assets | 73.9800% | 1,218 |
| Net loans and leases to deposits | 82.6348% | 1,568 |
| Net loans and leases to core deposits | 84.6199% | 1,838 |
| Total domestic deposits to total assets | 89.5300% | 1,544 |
| Equity capital to assets | 8.3575% | 2,808 |
| Core capital (leverage) ratio | 8.2609% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8761% | 2,766 |
| Memoranda: | ||
| Average total assets | $959,271,200 | 1,022 |
| Average earning assets | $905,830,400 | 992 |
| Average equity | $80,411,200 | 1,125 |
| Average total loans | $643,138,600 | 978 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 1,293 |
| Cost of funding earning assets | 0.3290% | 1,872 |
| Net interest margin | 3.6561% | 1,254 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.3249% | 2,556 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.4061% | 1,076 |
| Return on assets (ROA) | 1.4067% | 1,045 |
| Pretax return on assets | 1.4649% | 1,514 |
| Return on Equity (ROE) | 16.7700% | 839 |
| Retained earnings to average equity (ytd only) | 11.9753% | 798 |
| Net charge-offs to loans | 0.0039% | 2,075 |
| Credit loss provision to net charge-offs | 4,488.8889% | 126 |
| Earnings coverage of net charge-offs (x) | 625.4444% | 257 |
| Efficiency ratio | 58.6909% | 3,299 |
| Assets per employee ($millions) | 6.5313% | 2,296 |
| Cash dividends to net income (ytd only)* | 28.5857% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,154 |
| Loan loss allowance to noncurrent loans | 1,462.7451% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,353 |
| Noncurrent loans to loans | 0.0731% | 3,353 |
| Net loans and leases to total assets | 71.4500% | 1,346 |
| Net loans and leases to deposits | 78.2399% | 1,689 |
| Net loans and leases to core deposits | 81.1252% | 1,820 |
| Total domestic deposits to total assets | 91.3200% | 1,112 |
| Equity capital to assets | 8.1560% | 2,790 |
| Core capital (leverage) ratio | 8.6623% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1344% | 2,777 |
| Memoranda: | ||
| Average total assets | $951,588,750 | 1,035 |
| Average earning assets | $900,890,000 | 1,002 |
| Average equity | $79,829,250 | 1,143 |
| Average total loans | $618,953,750 | 1,011 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 1,536 |
| Cost of funding earning assets | 0.1810% | 3,170 |
| Net interest margin | 3.5206% | 1,263 |
| Noninterest income to average assets | 0.4027% | 2,742 |
| Noninterest expense to average assets | 2.2612% | 2,665 |
| Loan and lease loss provision to assets | 0.1699% | 535 |
| Net operating income to assets | 1.2405% | 1,301 |
| Return on assets (ROA) | 1.2415% | 1,289 |
| Pretax return on assets | 1.2984% | 1,757 |
| Return on Equity (ROE) | 14.6607% | 967 |
| Retained earnings to average equity (ytd only) | 8.7475% | 1,362 |
| Net charge-offs to loans | 0.0047% | 1,848 |
| Credit loss provision to net charge-offs | 5,742.8571% | 103 |
| Earnings coverage of net charge-offs (x) | 496.0000% | 263 |
| Efficiency ratio | 59.7246% | 3,333 |
| Assets per employee ($millions) | 6.6583% | 2,202 |
| Cash dividends to net income (ytd only)* | 40.3336% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,972 |
| Loan loss allowance to noncurrent loans | 734.2520% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 2,983 |
| Noncurrent loans to loans | 0.1555% | 2,912 |
| Net loans and leases to total assets | 65.9867% | 1,695 |
| Net loans and leases to deposits | 72.0228% | 2,024 |
| Net loans and leases to core deposits | 75.4085% | 2,061 |
| Total domestic deposits to total assets | 91.6192% | 998 |
| Equity capital to assets | 7.8928% | 3,204 |
| Core capital (leverage) ratio | 8.5920% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3194% | 2,368 |
| Memoranda: | ||
| Average total assets | $946,575,667 | 1,038 |
| Average earning assets | $894,162,667 | 1,017 |
| Average equity | $80,159,667 | 1,160 |
| Average total loans | $592,576,000 | 1,034 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4332% | 1,994 |
| Cost of funding earning assets | 0.1603% | 3,366 |
| Net interest margin | 3.2730% | 1,637 |
| Noninterest income to average assets | 0.3615% | 2,925 |
| Noninterest expense to average assets | 2.2526% | 2,675 |
| Loan and lease loss provision to assets | 0.0490% | 1,492 |
| Net operating income to assets | 1.0972% | 1,536 |
| Return on assets (ROA) | 1.0992% | 1,524 |
| Pretax return on assets | 1.1525% | 1,971 |
| Return on Equity (ROE) | 12.5322% | 1,147 |
| Retained earnings to average equity (ytd only) | 8.6113% | 1,395 |
| Net charge-offs to loans | 0.0107% | 1,368 |
| Credit loss provision to net charge-offs | 760.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 455 |
| Efficiency ratio | 64.2341% | 2,996 |
| Assets per employee ($millions) | 6.9616% | 2,019 |
| Cash dividends to net income (ytd only)* | 31.2867% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,874 |
| Loan loss allowance to noncurrent loans | 2,342.5606% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,733 |
| Noncurrent loans to loans | 0.0511% | 3,615 |
| Net loans and leases to total assets | 58.5538% | 2,239 |
| Net loans and leases to deposits | 64.2828% | 2,504 |
| Net loans and leases to core deposits | 67.7098% | 2,478 |
| Total domestic deposits to total assets | 91.0877% | 991 |
| Equity capital to assets | 8.4325% | 3,217 |
| Core capital (leverage) ratio | 9.1370% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4972% | 1,646 |
| Memoranda: | ||
| Average total assets | $930,479,000 | 1,054 |
| Average earning assets | $878,594,000 | 1,041 |
| Average equity | $81,613,500 | 1,177 |
| Average total loans | $562,205,500 | 1,065 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 1,103 |
| Cost of funding earning assets | 0.2566% | 2,850 |
| Net interest margin | 3.8789% | 871 |
| Noninterest income to average assets | 0.4173% | 2,964 |
| Noninterest expense to average assets | 2.3804% | 2,550 |
| Loan and lease loss provision to assets | 0.0278% | 2,501 |
| Net operating income to assets | 1.5811% | 857 |
| Return on assets (ROA) | 1.5816% | 888 |
| Pretax return on assets | 1.6476% | 1,284 |
| Return on Equity (ROE) | 16.6975% | 644 |
| Retained earnings to average equity (ytd only) | 12.2866% | 504 |
| Net charge-offs to loans | 0.0052% | 2,403 |
| Credit loss provision to net charge-offs | 848.1481% | 585 |
| Earnings coverage of net charge-offs (x) | 510.8519% | 271 |
| Efficiency ratio | 57.7148% | 3,487 |
| Assets per employee ($millions) | 6.5740% | 2,269 |
| Cash dividends to net income (ytd only)* | 26.4164% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,919 |
| Loan loss allowance to noncurrent loans | 2,223.6667% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,763 |
| Noncurrent loans to loans | 0.0536% | 3,699 |
| Net loans and leases to total assets | 60.9026% | 2,070 |
| Net loans and leases to deposits | 67.2937% | 2,380 |
| Net loans and leases to core deposits | 71.2123% | 2,330 |
| Total domestic deposits to total assets | 90.5027% | 716 |
| Equity capital to assets | 9.1272% | 3,483 |
| Core capital (leverage) ratio | 9.2447% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3894% | 1,715 |
| Memoranda: | ||
| Average total assets | $823,574,400 | 1,128 |
| Average earning assets | $772,382,600 | 1,122 |
| Average equity | $78,011,600 | 1,233 |
| Average total loans | $521,858,600 | 1,127 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 1,267 |
| Cost of funding earning assets | 0.2809% | 2,785 |
| Net interest margin | 3.8364% | 1,049 |
| Noninterest income to average assets | 0.4271% | 2,947 |
| Noninterest expense to average assets | 2.4112% | 2,404 |
| Loan and lease loss provision to assets | 0.0363% | 2,269 |
| Net operating income to assets | 1.5367% | 1,177 |
| Return on assets (ROA) | 1.5375% | 1,222 |
| Pretax return on assets | 1.5764% | 1,774 |
| Return on Equity (ROE) | 16.0662% | 935 |
| Retained earnings to average equity (ytd only) | 10.0934% | 1,288 |
| Net charge-offs to loans | -0.0013% | 3,158 |
| Credit loss provision to net charge-offs | -4,360.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9207% | 3,135 |
| Assets per employee ($millions) | 6.3410% | 2,384 |
| Cash dividends to net income (ytd only)* | 37.1759% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,669 |
| Loan loss allowance to noncurrent loans | 1,589.5487% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 3,735 |
| Noncurrent loans to loans | 0.0794% | 3,691 |
| Net loans and leases to total assets | 61.6166% | 2,056 |
| Net loans and leases to deposits | 68.5432% | 2,386 |
| Net loans and leases to core deposits | 72.7856% | 2,341 |
| Total domestic deposits to total assets | 89.8945% | 815 |
| Equity capital to assets | 9.4096% | 3,463 |
| Core capital (leverage) ratio | 8.6768% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7399% | 1,707 |
| Memoranda: | ||
| Average total assets | $802,664,000 | 1,166 |
| Average earning assets | $752,355,750 | 1,157 |
| Average equity | $76,813,750 | 1,266 |
| Average total loans | $512,526,000 | 1,162 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 1,318 |
| Cost of funding earning assets | 0.3092% | 2,687 |
| Net interest margin | 3.8070% | 1,131 |
| Noninterest income to average assets | 0.4310% | 2,948 |
| Noninterest expense to average assets | 2.4255% | 2,373 |
| Loan and lease loss provision to assets | 0.0551% | 1,929 |
| Net operating income to assets | 1.4735% | 1,364 |
| Return on assets (ROA) | 1.4735% | 1,425 |
| Pretax return on assets | 1.5083% | 1,988 |
| Return on Equity (ROE) | 15.3047% | 1,087 |
| Retained earnings to average equity (ytd only) | 6.6440% | 2,566 |
| Net charge-offs to loans | 0.0047% | 1,976 |
| Credit loss provision to net charge-offs | 1,808.3333% | 313 |
| Earnings coverage of net charge-offs (x) | 512.6667% | 255 |
| Efficiency ratio | 59.7668% | 3,043 |
| Assets per employee ($millions) | 6.6558% | 2,053 |
| Cash dividends to net income (ytd only)* | 56.5885% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,412 |
| Loan loss allowance to noncurrent loans | 746.5324% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 3,322 |
| Noncurrent loans to loans | 0.1748% | 3,342 |
| Net loans and leases to total assets | 58.3428% | 2,619 |
| Net loans and leases to deposits | 64.5051% | 2,949 |
| Net loans and leases to core deposits | 68.7168% | 2,894 |
| Total domestic deposits to total assets | 90.4468% | 580 |
| Equity capital to assets | 8.8548% | 3,924 |
| Core capital (leverage) ratio | 8.8562% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5667% | 1,782 |
| Memoranda: | ||
| Average total assets | $786,986,000 | 1,177 |
| Average earning assets | $735,496,000 | 1,171 |
| Average equity | $75,767,333 | 1,274 |
| Average total loans | $506,619,000 | 1,171 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 1,155 |
| Cost of funding earning assets | 0.3548% | 2,488 |
| Net interest margin | 3.8698% | 1,032 |
| Noninterest income to average assets | 0.4124% | 3,028 |
| Noninterest expense to average assets | 2.4363% | 2,372 |
| Loan and lease loss provision to assets | 0.0840% | 1,553 |
| Net operating income to assets | 1.4703% | 1,394 |
| Return on assets (ROA) | 1.4703% | 1,458 |
| Pretax return on assets | 1.4912% | 2,019 |
| Return on Equity (ROE) | 14.5946% | 1,301 |
| Retained earnings to average equity (ytd only) | 6.5726% | 2,701 |
| Net charge-offs to loans | 0.0087% | 1,599 |
| Credit loss provision to net charge-offs | 1,427.2727% | 332 |
| Earnings coverage of net charge-offs (x) | 267.7273% | 328 |
| Efficiency ratio | 59.6533% | 3,071 |
| Assets per employee ($millions) | 5.9665% | 2,633 |
| Cash dividends to net income (ytd only)* | 54.9654% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,515 |
| Loan loss allowance to noncurrent loans | 537.7236% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 3,200 |
| Noncurrent loans to loans | 0.2384% | 3,248 |
| Net loans and leases to total assets | 67.2169% | 1,635 |
| Net loans and leases to deposits | 75.2832% | 1,985 |
| Net loans and leases to core deposits | 81.8985% | 1,845 |
| Total domestic deposits to total assets | 89.2854% | 1,176 |
| Equity capital to assets | 9.9794% | 2,726 |
| Core capital (leverage) ratio | 9.5704% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7415% | 1,662 |
| Memoranda: | ||
| Average total assets | $747,854,000 | 1,219 |
| Average earning assets | $695,545,500 | 1,220 |
| Average equity | $75,343,000 | 1,271 |
| Average total loans | $504,186,000 | 1,179 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 1,147 |
| Cost of funding earning assets | 0.5630% | 2,545 |
| Net interest margin | 4.0113% | 950 |
| Noninterest income to average assets | 0.4762% | 2,747 |
| Noninterest expense to average assets | 2.6377% | 2,430 |
| Loan and lease loss provision to assets | 0.2115% | 1,859 |
| Net operating income to assets | 1.2918% | 1,272 |
| Return on assets (ROA) | 1.3127% | 1,315 |
| Pretax return on assets | 1.3779% | 1,732 |
| Return on Equity (ROE) | 12.6111% | 1,147 |
| Retained earnings to average equity (ytd only) | 8.1709% | 1,008 |
| Net charge-offs to loans | 0.0059% | 3,137 |
| Credit loss provision to net charge-offs | 5,377.7778% | 199 |
| Earnings coverage of net charge-offs (x) | 398.5556% | 279 |
| Efficiency ratio | 61.5830% | 3,208 |
| Assets per employee ($millions) | 5.6767% | 2,656 |
| Cash dividends to net income (ytd only)* | 35.2086% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,350 |
| Loan loss allowance to noncurrent loans | 388.2953% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 3,010 |
| Noncurrent loans to loans | 0.3383% | 2,990 |
| Net loans and leases to total assets | 65.8511% | 2,114 |
| Net loans and leases to deposits | 73.8207% | 2,504 |
| Net loans and leases to core deposits | 79.2113% | 2,427 |
| Total domestic deposits to total assets | 89.2041% | 896 |
| Equity capital to assets | 10.1723% | 2,960 |
| Core capital (leverage) ratio | 9.5854% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1043% | 1,490 |
| Memoranda: | ||
| Average total assets | $686,538,400 | 1,200 |
| Average earning assets | $638,219,600 | 1,194 |
| Average equity | $71,461,000 | 1,275 |
| Average total loans | $460,073,000 | 1,205 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 1,100 |
| Cost of funding earning assets | 0.6107% | 2,547 |
| Net interest margin | 4.0713% | 947 |
| Noninterest income to average assets | 0.4928% | 2,640 |
| Noninterest expense to average assets | 2.6853% | 2,303 |
| Loan and lease loss provision to assets | 0.2118% | 1,902 |
| Net operating income to assets | 1.3167% | 1,317 |
| Return on assets (ROA) | 1.3454% | 1,340 |
| Pretax return on assets | 1.4083% | 1,704 |
| Return on Equity (ROE) | 12.8456% | 1,157 |
| Retained earnings to average equity (ytd only) | 7.1163% | 1,639 |
| Net charge-offs to loans | 0.0074% | 2,859 |
| Credit loss provision to net charge-offs | 4,280.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 321.4000% | 337 |
| Efficiency ratio | 61.6627% | 3,129 |
| Assets per employee ($millions) | 5.8100% | 2,436 |
| Cash dividends to net income (ytd only)* | 44.6014% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,282 |
| Loan loss allowance to noncurrent loans | 363.5224% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 3,090 |
| Noncurrent loans to loans | 0.3500% | 3,031 |
| Net loans and leases to total assets | 64.5502% | 2,695 |
| Net loans and leases to deposits | 72.3436% | 3,102 |
| Net loans and leases to core deposits | 78.1283% | 2,993 |
| Total domestic deposits to total assets | 89.2272% | 677 |
| Equity capital to assets | 9.9850% | 3,236 |
| Core capital (leverage) ratio | 9.1912% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1423% | 1,466 |
| Memoranda: | ||
| Average total assets | $673,681,000 | 1,200 |
| Average earning assets | $625,931,000 | 1,202 |
| Average equity | $70,559,250 | 1,272 |
| Average total loans | $451,984,000 | 1,215 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 1,071 |
| Cost of funding earning assets | 0.6783% | 2,510 |
| Net interest margin | 4.1634% | 994 |
| Noninterest income to average assets | 0.4931% | 2,604 |
| Noninterest expense to average assets | 2.7452% | 2,237 |
| Loan and lease loss provision to assets | 0.2085% | 1,970 |
| Net operating income to assets | 1.3384% | 1,249 |
| Return on assets (ROA) | 1.3827% | 1,242 |
| Pretax return on assets | 1.4472% | 1,595 |
| Return on Equity (ROE) | 12.9759% | 1,103 |
| Retained earnings to average equity (ytd only) | 9.4386% | 897 |
| Net charge-offs to loans | 0.0072% | 2,702 |
| Credit loss provision to net charge-offs | 4,262.5000% | 267 |
| Earnings coverage of net charge-offs (x) | 329.0625% | 304 |
| Efficiency ratio | 61.8884% | 3,146 |
| Assets per employee ($millions) | 5.8638% | 2,304 |
| Cash dividends to net income (ytd only)* | 27.2607% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,378 |
| Loan loss allowance to noncurrent loans | 292.6704% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 3,086 |
| Noncurrent loans to loans | 0.4189% | 2,911 |
| Net loans and leases to total assets | 62.7667% | 3,038 |
| Net loans and leases to deposits | 70.1989% | 3,399 |
| Net loans and leases to core deposits | 76.6658% | 3,234 |
| Total domestic deposits to total assets | 89.4126% | 606 |
| Equity capital to assets | 9.8731% | 3,309 |
| Core capital (leverage) ratio | 9.1768% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4398% | 1,377 |
| Memoranda: | ||
| Average total assets | $654,222,000 | 1,203 |
| Average earning assets | $606,812,000 | 1,212 |
| Average equity | $69,713,667 | 1,274 |
| Average total loans | $443,100,667 | 1,224 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 751 |
| Cost of funding earning assets | 0.8233% | 2,258 |
| Net interest margin | 4.3111% | 744 |
| Noninterest income to average assets | 0.5627% | 2,219 |
| Noninterest expense to average assets | 2.9458% | 2,019 |
| Loan and lease loss provision to assets | 0.2323% | 1,333 |
| Net operating income to assets | 1.2942% | 1,260 |
| Return on assets (ROA) | 1.3350% | 1,238 |
| Pretax return on assets | 1.4033% | 1,555 |
| Return on Equity (ROE) | 12.0023% | 1,105 |
| Retained earnings to average equity (ytd only) | 5.7262% | 1,986 |
| Net charge-offs to loans | -0.0037% | 3,768 |
| Credit loss provision to net charge-offs | -8,925.0000% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7328% | 3,275 |
| Assets per employee ($millions) | 5.1912% | 2,438 |
| Cash dividends to net income (ytd only)* | 52.2904% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,439 |
| Loan loss allowance to noncurrent loans | 248.6201% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 3,041 |
| Noncurrent loans to loans | 0.4995% | 2,770 |
| Net loans and leases to total assets | 67.8635% | 2,567 |
| Net loans and leases to deposits | 76.6493% | 3,016 |
| Net loans and leases to core deposits | 85.4259% | 2,723 |
| Total domestic deposits to total assets | 88.5377% | 864 |
| Equity capital to assets | 10.8333% | 3,013 |
| Core capital (leverage) ratio | 10.4161% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4478% | 1,493 |
| Memoranda: | ||
| Average total assets | $614,847,000 | 1,242 |
| Average earning assets | $566,998,500 | 1,239 |
| Average equity | $68,387,000 | 1,287 |
| Average total loans | $431,765,000 | 1,218 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 828 |
| Cost of funding earning assets | 0.7643% | 2,851 |
| Net interest margin | 4.5303% | 680 |
| Noninterest income to average assets | 0.6149% | 2,162 |
| Noninterest expense to average assets | 3.0541% | 1,866 |
| Loan and lease loss provision to assets | 0.1709% | 1,222 |
| Net operating income to assets | 1.5807% | 871 |
| Return on assets (ROA) | 1.5912% | 907 |
| Pretax return on assets | 1.5912% | 1,510 |
| Return on Equity (ROE) | 13.8994% | 918 |
| Retained earnings to average equity (ytd only) | 6.2394% | 1,750 |
| Net charge-offs to loans | 0.0880% | 1,861 |
| Credit loss provision to net charge-offs | 280.5797% | 1,000 |
| Earnings coverage of net charge-offs (x) | 28.7536% | 1,621 |
| Efficiency ratio | 62.3383% | 3,319 |
| Assets per employee ($millions) | 4.8883% | 2,721 |
| Cash dividends to net income (ytd only)* | 55.1104% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 2,560 |
| Loan loss allowance to noncurrent loans | 229.1686% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 2,926 |
| Noncurrent loans to loans | 0.5139% | 2,646 |
| Net loans and leases to total assets | 70.9769% | 2,251 |
| Net loans and leases to deposits | 80.6252% | 2,705 |
| Net loans and leases to core deposits | 87.4196% | 2,665 |
| Total domestic deposits to total assets | 88.0332% | 1,111 |
| Equity capital to assets | 11.4299% | 2,590 |
| Core capital (leverage) ratio | 10.8866% | 2,604 |
| Tier 1 risk-based capital ratio | 15.3100% | 2,652 |
| Total risk-based capital ratio | 16.5393% | 2,589 |
| Memoranda: | ||
| Average total assets | $566,315,600 | 1,277 |
| Average earning assets | $523,896,800 | 1,283 |
| Average equity | $64,830,200 | 1,296 |
| Average total loans | $391,857,000 | 1,287 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2873% | 889 |
| Cost of funding earning assets | 0.7339% | 3,046 |
| Net interest margin | 4.5534% | 682 |
| Noninterest income to average assets | 0.6459% | 2,004 |
| Noninterest expense to average assets | 3.1624% | 1,546 |
| Loan and lease loss provision to assets | 0.1291% | 1,500 |
| Net operating income to assets | 1.5631% | 1,014 |
| Return on assets (ROA) | 1.5757% | 1,039 |
| Pretax return on assets | 1.5757% | 1,714 |
| Return on Equity (ROE) | 13.7587% | 1,038 |
| Retained earnings to average equity (ytd only) | 3.8918% | 3,456 |
| Net charge-offs to loans | 0.0066% | 3,141 |
| Credit loss provision to net charge-offs | 2,847.3684% | 143 |
| Earnings coverage of net charge-offs (x) | 373.3028% | 266 |
| Efficiency ratio | 63.9339% | 3,015 |
| Assets per employee ($millions) | 4.6679% | 2,952 |
| Cash dividends to net income (ytd only)* | 71.7142% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,596 |
| Loan loss allowance to noncurrent loans | 177.9978% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 2,562 |
| Noncurrent loans to loans | 0.6650% | 2,295 |
| Net loans and leases to total assets | 73.0645% | 1,983 |
| Net loans and leases to deposits | 83.4471% | 2,513 |
| Net loans and leases to core deposits | 91.0144% | 2,463 |
| Total domestic deposits to total assets | 87.5579% | 1,234 |
| Equity capital to assets | 11.6957% | 2,506 |
| Core capital (leverage) ratio | 10.6332% | 2,988 |
| Tier 1 risk-based capital ratio | 14.6526% | 3,008 |
| Total risk-based capital ratio | 15.8485% | 2,955 |
| Memoranda: | ||
| Average total assets | $558,802,750 | 1,299 |
| Average earning assets | $516,494,250 | 1,303 |
| Average equity | $63,996,750 | 1,312 |
| Average total loans | $382,739,500 | 1,323 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 1,020 |
| Cost of funding earning assets | 0.6757% | 3,295 |
| Net interest margin | 4.5034% | 765 |
| Noninterest income to average assets | 0.6297% | 2,022 |
| Noninterest expense to average assets | 3.1405% | 1,634 |
| Loan and lease loss provision to assets | 0.1189% | 1,570 |
| Net operating income to assets | 1.5359% | 1,042 |
| Return on assets (ROA) | 1.5424% | 1,078 |
| Pretax return on assets | 1.5424% | 1,725 |
| Return on Equity (ROE) | 13.5651% | 1,083 |
| Retained earnings to average equity (ytd only) | 0.2275% | 4,631 |
| Net charge-offs to loans | 0.0162% | 2,570 |
| Credit loss provision to net charge-offs | 1,103.3333% | 317 |
| Earnings coverage of net charge-offs (x) | 153.5667% | 488 |
| Efficiency ratio | 64.2697% | 3,089 |
| Assets per employee ($millions) | 4.7902% | 2,755 |
| Cash dividends to net income (ytd only)* | 98.3232% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,313 |
| Loan loss allowance to noncurrent loans | 210.6155% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 2,932 |
| Noncurrent loans to loans | 0.5881% | 2,505 |
| Net loans and leases to total assets | 66.0475% | 3,100 |
| Net loans and leases to deposits | 74.9384% | 3,432 |
| Net loans and leases to core deposits | 81.4152% | 3,302 |
| Total domestic deposits to total assets | 88.1357% | 1,037 |
| Equity capital to assets | 11.2421% | 2,819 |
| Core capital (leverage) ratio | 10.6364% | 2,950 |
| Tier 1 risk-based capital ratio | 15.2051% | 2,748 |
| Total risk-based capital ratio | 16.4286% | 2,690 |
| Memoranda: | ||
| Average total assets | $556,798,330 | 1,300 |
| Average earning assets | $515,032,670 | 1,306 |
| Average equity | $63,309,330 | 1,319 |
| Average total loans | $371,111,670 | 1,367 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2005% | 913 |
| Cost of funding earning assets | 0.6259% | 3,432 |
| Net interest margin | 4.5745% | 644 |
| Noninterest income to average assets | 0.5940% | 2,076 |
| Noninterest expense to average assets | 3.0528% | 1,843 |
| Loan and lease loss provision to assets | 0.0284% | 3,045 |
| Net operating income to assets | 1.7369% | 680 |
| Return on assets (ROA) | 1.7463% | 689 |
| Pretax return on assets | 1.7463% | 1,101 |
| Return on Equity (ROE) | 15.2697% | 701 |
| Retained earnings to average equity (ytd only) | 2.9433% | 3,755 |
| Net charge-offs to loans | -0.0087% | 4,181 |
| Credit loss provision to net charge-offs | -487.5000% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1397% | 3,513 |
| Assets per employee ($millions) | 4.4996% | 3,195 |
| Cash dividends to net income (ytd only)* | 80.7244% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,501 |
| Loan loss allowance to noncurrent loans | 194.5993% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 2,882 |
| Noncurrent loans to loans | 0.6242% | 2,453 |
| Net loans and leases to total assets | 66.1866% | 3,026 |
| Net loans and leases to deposits | 75.3189% | 3,323 |
| Net loans and leases to core deposits | 81.6669% | 3,207 |
| Total domestic deposits to total assets | 87.8752% | 1,402 |
| Equity capital to assets | 11.5652% | 2,338 |
| Core capital (leverage) ratio | 11.0424% | 2,538 |
| Tier 1 risk-based capital ratio | 15.3462% | 2,727 |
| Total risk-based capital ratio | 16.5085% | 2,679 |
| Memoranda: | ||
| Average total assets | $550,179,000 | 1,318 |
| Average earning assets | $508,029,500 | 1,324 |
| Average equity | $62,922,000 | 1,319 |
| Average total loans | $366,059,000 | 1,387 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3133% | 568 |
| Cost of funding earning assets | 0.4773% | 3,500 |
| Net interest margin | 4.8360% | 365 |
| Noninterest income to average assets | 0.7696% | 1,570 |
| Noninterest expense to average assets | 3.0642% | 1,889 |
| Loan and lease loss provision to assets | 0.1698% | 1,180 |
| Net operating income to assets | 1.9795% | 378 |
| Return on assets (ROA) | 1.9762% | 377 |
| Pretax return on assets | 1.9762% | 588 |
| Return on Equity (ROE) | 16.9628% | 498 |
| Retained earnings to average equity (ytd only) | 7.6489% | 1,395 |
| Net charge-offs to loans | 0.2001% | 957 |
| Credit loss provision to net charge-offs | 118.8187% | 2,187 |
| Earnings coverage of net charge-offs (x) | 15.0385% | 2,347 |
| Efficiency ratio | 57.5313% | 4,209 |
| Assets per employee ($millions) | 4.7535% | 2,808 |
| Cash dividends to net income (ytd only)* | 54.9076% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,501 |
| Loan loss allowance to noncurrent loans | 179.9349% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 2,776 |
| Noncurrent loans to loans | 0.6744% | 2,308 |
| Net loans and leases to total assets | 65.2688% | 3,229 |
| Net loans and leases to deposits | 73.9436% | 3,507 |
| Net loans and leases to core deposits | 77.7876% | 3,599 |
| Total domestic deposits to total assets | 88.2684% | 1,170 |
| Equity capital to assets | 11.3086% | 2,409 |
| Core capital (leverage) ratio | 11.2092% | 2,342 |
| Tier 1 risk-based capital ratio | 15.4893% | 2,624 |
| Total risk-based capital ratio | 16.6607% | 2,579 |
| Memoranda: | ||
| Average total assets | $509,359,800 | 1,387 |
| Average earning assets | $468,069,200 | 1,394 |
| Average equity | $59,341,600 | 1,337 |
| Average total loans | $363,787,400 | 1,355 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 505 |
| Cost of funding earning assets | 0.4593% | 3,460 |
| Net interest margin | 4.8599% | 334 |
| Noninterest income to average assets | 0.7925% | 1,500 |
| Noninterest expense to average assets | 3.1846% | 1,560 |
| Loan and lease loss provision to assets | 0.1670% | 1,126 |
| Net operating income to assets | 1.9059% | 477 |
| Return on assets (ROA) | 1.9014% | 480 |
| Pretax return on assets | 1.9014% | 813 |
| Return on Equity (ROE) | 16.1895% | 667 |
| Retained earnings to average equity (ytd only) | 4.4081% | 3,552 |
| Net charge-offs to loans | 0.2471% | 686 |
| Credit loss provision to net charge-offs | 92.7300% | 2,390 |
| Earnings coverage of net charge-offs (x) | 11.5075% | 2,509 |
| Efficiency ratio | 59.3157% | 3,917 |
| Assets per employee ($millions) | 4.4493% | 3,200 |
| Cash dividends to net income (ytd only)* | 72.7719% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,056 |
| Loan loss allowance to noncurrent loans | 118.0323% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 2,064 |
| Noncurrent loans to loans | 0.9520% | 1,789 |
| Net loans and leases to total assets | 73.4731% | 2,081 |
| Net loans and leases to deposits | 83.8157% | 2,621 |
| Net loans and leases to core deposits | 88.4321% | 2,802 |
| Total domestic deposits to total assets | 87.6603% | 1,413 |
| Equity capital to assets | 11.6966% | 2,105 |
| Core capital (leverage) ratio | 11.0045% | 2,572 |
| Tier 1 risk-based capital ratio | 14.2490% | 3,246 |
| Total risk-based capital ratio | 15.3311% | 3,241 |
| Memoranda: | ||
| Average total assets | $498,849,500 | 1,418 |
| Average earning assets | $458,326,750 | 1,418 |
| Average equity | $58,588,000 | 1,350 |
| Average total loans | $363,655,750 | 1,350 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 529 |
| Cost of funding earning assets | 0.4412% | 3,419 |
| Net interest margin | 4.7870% | 370 |
| Noninterest income to average assets | 0.7935% | 1,492 |
| Noninterest expense to average assets | 3.2274% | 1,475 |
| Loan and lease loss provision to assets | 0.1052% | 1,852 |
| Net operating income to assets | 1.8530% | 517 |
| Return on assets (ROA) | 1.8470% | 530 |
| Pretax return on assets | 1.8470% | 879 |
| Return on Equity (ROE) | 15.7041% | 729 |
| Retained earnings to average equity (ytd only) | 2.0706% | 4,435 |
| Net charge-offs to loans | 0.0084% | 2,826 |
| Credit loss provision to net charge-offs | 1,740.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 323.8000% | 283 |
| Efficiency ratio | 60.9703% | 3,770 |
| Assets per employee ($millions) | 4.6599% | 2,872 |
| Cash dividends to net income (ytd only)* | 86.8151% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,564 |
| Loan loss allowance to noncurrent loans | 208.1801% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 3,007 |
| Noncurrent loans to loans | 0.5896% | 2,649 |
| Net loans and leases to total assets | 70.4757% | 2,507 |
| Net loans and leases to deposits | 79.9307% | 2,962 |
| Net loans and leases to core deposits | 84.5566% | 3,035 |
| Total domestic deposits to total assets | 88.1710% | 1,292 |
| Equity capital to assets | 11.2823% | 2,377 |
| Core capital (leverage) ratio | 10.6875% | 2,825 |
| Tier 1 risk-based capital ratio | 13.9111% | 3,398 |
| Total risk-based capital ratio | 15.0706% | 3,364 |
| Memoranda: | ||
| Average total assets | $496,057,670 | 1,427 |
| Average earning assets | $455,149,670 | 1,435 |
| Average equity | $58,341,330 | 1,354 |
| Average total loans | $359,238,000 | 1,363 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2261% | 466 |
| Cost of funding earning assets | 0.4324% | 3,353 |
| Net interest margin | 4.7936% | 349 |
| Noninterest income to average assets | 0.6987% | 1,835 |
| Noninterest expense to average assets | 3.3049% | 1,336 |
| Loan and lease loss provision to assets | 0.0041% | 3,457 |
| Net operating income to assets | 1.7830% | 585 |
| Return on assets (ROA) | 1.7905% | 577 |
| Pretax return on assets | 1.7905% | 933 |
| Return on Equity (ROE) | 14.9005% | 815 |
| Retained earnings to average equity (ytd only) | -0.0343% | 4,810 |
| Net charge-offs to loans | 0.0971% | 1,208 |
| Credit loss provision to net charge-offs | 5.8140% | 2,185 |
| Earnings coverage of net charge-offs (x) | 25.2209% | 1,346 |
| Efficiency ratio | 63.5922% | 3,544 |
| Assets per employee ($millions) | 4.6348% | 2,955 |
| Cash dividends to net income (ytd only)* | 100.2301% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 3,002 |
| Loan loss allowance to noncurrent loans | 176.5966% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 2,987 |
| Noncurrent loans to loans | 0.6601% | 2,571 |
| Net loans and leases to total assets | 69.2699% | 2,593 |
| Net loans and leases to deposits | 78.5169% | 2,961 |
| Net loans and leases to core deposits | 93.8050% | 2,158 |
| Total domestic deposits to total assets | 88.2230% | 1,494 |
| Equity capital to assets | 11.2641% | 2,334 |
| Core capital (leverage) ratio | 10.7656% | 2,666 |
| Tier 1 risk-based capital ratio | 14.4535% | 3,142 |
| Total risk-based capital ratio | 15.5857% | 3,124 |
| Memoranda: | ||
| Average total assets | $485,464,000 | 1,459 |
| Average earning assets | $444,924,500 | 1,476 |
| Average equity | $58,333,500 | 1,367 |
| Average total loans | $354,326,000 | 1,382 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0915% | 542 |
| Cost of funding earning assets | 0.3070% | 4,064 |
| Net interest margin | 4.7844% | 364 |
| Noninterest income to average assets | 0.7538% | 1,759 |
| Noninterest expense to average assets | 3.3564% | 1,276 |
| Loan and lease loss provision to assets | 0.0427% | 3,396 |
| Net operating income to assets | 1.7111% | 515 |
| Return on assets (ROA) | 1.7461% | 490 |
| Pretax return on assets | 1.7461% | 905 |
| Return on Equity (ROE) | 13.9892% | 759 |
| Retained earnings to average equity (ytd only) | 5.8364% | 1,632 |
| Net charge-offs to loans | 0.0039% | 3,962 |
| Credit loss provision to net charge-offs | 1,507.6923% | 260 |
| Earnings coverage of net charge-offs (x) | 619.6154% | 139 |
| Efficiency ratio | 64.2793% | 3,566 |
| Assets per employee ($millions) | 4.1496% | 3,738 |
| Cash dividends to net income (ytd only)* | 58.2793% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,596 |
| Loan loss allowance to noncurrent loans | 343.5445% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 3,787 |
| Noncurrent loans to loans | 0.3583% | 3,487 |
| Net loans and leases to total assets | 75.3173% | 1,709 |
| Net loans and leases to deposits | 86.9060% | 2,146 |
| Net loans and leases to core deposits | 97.1043% | 1,933 |
| Total domestic deposits to total assets | 86.6652% | 2,163 |
| Equity capital to assets | 12.8635% | 1,331 |
| Core capital (leverage) ratio | 11.5821% | 1,882 |
| Tier 1 risk-based capital ratio | 15.1034% | 2,796 |
| Total risk-based capital ratio | 16.3025% | 2,757 |
| Memoranda: | ||
| Average total assets | $459,301,600 | 1,517 |
| Average earning assets | $418,210,000 | 1,539 |
| Average equity | $57,329,800 | 1,372 |
| Average total loans | $334,289,200 | 1,433 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 648 |
| Cost of funding earning assets | 0.2755% | 4,355 |
| Net interest margin | 4.6966% | 411 |
| Noninterest income to average assets | 0.7536% | 1,767 |
| Noninterest expense to average assets | 3.3894% | 1,175 |
| Loan and lease loss provision to assets | 0.0052% | 4,016 |
| Net operating income to assets | 1.6379% | 650 |
| Return on assets (ROA) | 1.6846% | 612 |
| Pretax return on assets | 1.6846% | 1,162 |
| Return on Equity (ROE) | 13.5990% | 911 |
| Retained earnings to average equity (ytd only) | 5.7045% | 2,427 |
| Net charge-offs to loans | 0.0359% | 2,717 |
| Credit loss provision to net charge-offs | 20.2247% | 3,157 |
| Earnings coverage of net charge-offs (x) | 63.6986% | 955 |
| Efficiency ratio | 65.9333% | 3,221 |
| Assets per employee ($millions) | 4.2542% | 3,557 |
| Cash dividends to net income (ytd only)* | 58.0522% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,956 |
| Loan loss allowance to noncurrent loans | 349.8264% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 4,077 |
| Noncurrent loans to loans | 0.3417% | 3,723 |
| Net loans and leases to total assets | 71.1922% | 2,379 |
| Net loans and leases to deposits | 81.9234% | 2,786 |
| Net loans and leases to core deposits | 96.4623% | 2,026 |
| Total domestic deposits to total assets | 86.9009% | 1,904 |
| Equity capital to assets | 12.4595% | 1,678 |
| Core capital (leverage) ratio | 11.4420% | 2,061 |
| Tier 1 risk-based capital ratio | 15.4131% | 2,742 |
| Total risk-based capital ratio | 16.5854% | 2,717 |
| Memoranda: | ||
| Average total assets | $460,011,750 | 1,525 |
| Average earning assets | $419,100,250 | 1,550 |
| Average equity | $56,983,000 | 1,393 |
| Average total loans | $330,842,000 | 1,452 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 698 |
| Cost of funding earning assets | 0.2414% | 4,626 |
| Net interest margin | 4.6558% | 432 |
| Noninterest income to average assets | 0.7998% | 1,570 |
| Noninterest expense to average assets | 3.3977% | 1,173 |
| Loan and lease loss provision to assets | 0.0026% | 3,843 |
| Net operating income to assets | 1.6328% | 647 |
| Return on assets (ROA) | 1.6608% | 635 |
| Pretax return on assets | 1.6608% | 1,159 |
| Return on Equity (ROE) | 13.4342% | 942 |
| Retained earnings to average equity (ytd only) | 4.2623% | 3,173 |
| Net charge-offs to loans | 0.0353% | 2,488 |
| Credit loss provision to net charge-offs | 10.3448% | 2,848 |
| Earnings coverage of net charge-offs (x) | 64.4828% | 896 |
| Efficiency ratio | 66.0990% | 3,332 |
| Assets per employee ($millions) | 4.0044% | 3,949 |
| Cash dividends to net income (ytd only)* | 68.2728% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,836 |
| Loan loss allowance to noncurrent loans | 324.6993% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 4,030 |
| Noncurrent loans to loans | 0.3785% | 3,669 |
| Net loans and leases to total assets | 70.6610% | 2,417 |
| Net loans and leases to deposits | 81.1825% | 2,784 |
| Net loans and leases to core deposits | 96.2024% | 1,963 |
| Total domestic deposits to total assets | 87.0397% | 1,932 |
| Equity capital to assets | 12.4413% | 1,650 |
| Core capital (leverage) ratio | 11.1735% | 2,247 |
| Tier 1 risk-based capital ratio | 15.5339% | 2,691 |
| Total risk-based capital ratio | 16.7508% | 2,637 |
| Memoranda: | ||
| Average total assets | $457,363,330 | 1,536 |
| Average earning assets | $415,864,670 | 1,561 |
| Average equity | $56,542,330 | 1,400 |
| Average total loans | $328,729,670 | 1,459 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 793 |
| Cost of funding earning assets | 0.2119% | 4,865 |
| Net interest margin | 4.5626% | 465 |
| Noninterest income to average assets | 0.8056% | 1,532 |
| Noninterest expense to average assets | 3.3752% | 1,244 |
| Loan and lease loss provision to assets | 0.0018% | 3,523 |
| Net operating income to assets | 1.5849% | 700 |
| Return on assets (ROA) | 1.5849% | 713 |
| Pretax return on assets | 1.5849% | 1,273 |
| Return on Equity (ROE) | 12.8616% | 1,027 |
| Retained earnings to average equity (ytd only) | 8.2824% | 1,346 |
| Net charge-offs to loans | 0.0183% | 2,424 |
| Credit loss provision to net charge-offs | 13.3333% | 2,205 |
| Earnings coverage of net charge-offs (x) | 120.5333% | 454 |
| Efficiency ratio | 66.6254% | 3,394 |
| Assets per employee ($millions) | 3.8429% | 4,279 |
| Cash dividends to net income (ytd only)* | 35.6035% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,889 |
| Loan loss allowance to noncurrent loans | 147.9551% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 2,803 |
| Noncurrent loans to loans | 0.8380% | 2,360 |
| Net loans and leases to total assets | 71.2096% | 2,183 |
| Net loans and leases to deposits | 81.7594% | 2,541 |
| Net loans and leases to core deposits | 95.9006% | 1,826 |
| Total domestic deposits to total assets | 87.0965% | 2,164 |
| Equity capital to assets | 12.4308% | 1,580 |
| Core capital (leverage) ratio | 11.2547% | 2,144 |
| Tier 1 risk-based capital ratio | 15.4169% | 2,789 |
| Total risk-based capital ratio | 16.6389% | 2,734 |
| Memoranda: | ||
| Average total assets | $455,792,000 | 1,551 |
| Average earning assets | $415,205,000 | 1,574 |
| Average equity | $56,167,000 | 1,398 |
| Average total loans | $328,371,000 | 1,468 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 845 |
| Cost of funding earning assets | 0.1859% | 5,149 |
| Net interest margin | 4.6397% | 470 |
| Noninterest income to average assets | 0.9070% | 1,390 |
| Noninterest expense to average assets | 3.5197% | 1,132 |
| Loan and lease loss provision to assets | 0.1805% | 1,322 |
| Net operating income to assets | 1.4200% | 974 |
| Return on assets (ROA) | 1.4834% | 882 |
| Pretax return on assets | 1.4834% | 1,645 |
| Return on Equity (ROE) | 11.8813% | 1,276 |
| Retained earnings to average equity (ytd only) | 1.6297% | 4,603 |
| Net charge-offs to loans | 0.1621% | 1,662 |
| Credit loss provision to net charge-offs | 156.8359% | 1,757 |
| Earnings coverage of net charge-offs (x) | 13.9043% | 2,333 |
| Efficiency ratio | 67.2916% | 3,387 |
| Assets per employee ($millions) | 3.8175% | 4,272 |
| Cash dividends to net income (ytd only)* | 86.2837% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,791 |
| Loan loss allowance to noncurrent loans | 138.9698% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 2,725 |
| Noncurrent loans to loans | 0.9024% | 2,293 |
| Net loans and leases to total assets | 71.0815% | 2,325 |
| Net loans and leases to deposits | 81.3370% | 2,749 |
| Net loans and leases to core deposits | 91.8331% | 2,318 |
| Total domestic deposits to total assets | 87.3913% | 1,936 |
| Equity capital to assets | 12.2144% | 1,672 |
| Core capital (leverage) ratio | 11.6556% | 1,824 |
| Tier 1 risk-based capital ratio | 15.4907% | 2,750 |
| Total risk-based capital ratio | 16.7408% | 2,688 |
| Memoranda: | ||
| Average total assets | $444,784,800 | 1,528 |
| Average earning assets | $403,902,200 | 1,552 |
| Average equity | $55,532,800 | 1,381 |
| Average total loans | $315,776,000 | 1,465 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 802 |
| Cost of funding earning assets | 0.1878% | 5,200 |
| Net interest margin | 4.6675% | 455 |
| Noninterest income to average assets | 0.9442% | 1,267 |
| Noninterest expense to average assets | 3.5640% | 1,049 |
| Loan and lease loss provision to assets | 0.1920% | 1,131 |
| Net operating income to assets | 1.4210% | 1,027 |
| Return on assets (ROA) | 1.5060% | 919 |
| Pretax return on assets | 1.5060% | 1,692 |
| Return on Equity (ROE) | 11.9950% | 1,323 |
| Retained earnings to average equity (ytd only) | -0.6937% | 5,457 |
| Net charge-offs to loans | 0.1853% | 1,263 |
| Credit loss provision to net charge-offs | 146.4368% | 1,799 |
| Earnings coverage of net charge-offs (x) | 12.3034% | 2,401 |
| Efficiency ratio | 67.4060% | 3,338 |
| Assets per employee ($millions) | 3.5732% | 4,682 |
| Cash dividends to net income (ytd only)* | 105.7834% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 2,938 |
| Loan loss allowance to noncurrent loans | 117.7230% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 2,512 |
| Noncurrent loans to loans | 1.0644% | 2,119 |
| Net loans and leases to total assets | 73.1292% | 2,007 |
| Net loans and leases to deposits | 86.0364% | 2,252 |
| Net loans and leases to core deposits | 94.6398% | 2,137 |
| Total domestic deposits to total assets | 84.9980% | 2,805 |
| Equity capital to assets | 12.9239% | 1,529 |
| Core capital (leverage) ratio | 11.4864% | 2,045 |
| Tier 1 risk-based capital ratio | 15.1588% | 2,971 |
| Total risk-based capital ratio | 16.3865% | 2,919 |
| Memoranda: | ||
| Average total assets | $442,410,250 | 1,534 |
| Average earning assets | $401,206,000 | 1,559 |
| Average equity | $55,544,000 | 1,393 |
| Average total loans | $312,967,000 | 1,475 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 891 |
| Cost of funding earning assets | 0.1876% | 5,254 |
| Net interest margin | 4.6099% | 495 |
| Noninterest income to average assets | 0.7959% | 1,734 |
| Noninterest expense to average assets | 3.5252% | 1,120 |
| Loan and lease loss provision to assets | 0.1472% | 1,557 |
| Net operating income to assets | 1.3011% | 1,272 |
| Return on assets (ROA) | 1.4070% | 1,106 |
| Pretax return on assets | 1.4070% | 1,999 |
| Return on Equity (ROE) | 11.3146% | 1,537 |
| Retained earnings to average equity (ytd only) | -3.9616% | 5,692 |
| Net charge-offs to loans | 0.1030% | 1,801 |
| Credit loss provision to net charge-offs | 205.0000% | 1,280 |
| Earnings coverage of net charge-offs (x) | 20.1750% | 1,740 |
| Efficiency ratio | 69.4001% | 3,072 |
| Assets per employee ($millions) | 3.6904% | 4,457 |
| Cash dividends to net income (ytd only)* | 135.0128% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 3,083 |
| Loan loss allowance to noncurrent loans | 117.1723% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 2,525 |
| Noncurrent loans to loans | 1.0651% | 2,161 |
| Net loans and leases to total assets | 71.0771% | 2,320 |
| Net loans and leases to deposits | 81.8353% | 2,726 |
| Net loans and leases to core deposits | 90.7942% | 2,456 |
| Total domestic deposits to total assets | 86.8538% | 1,987 |
| Equity capital to assets | 12.4642% | 1,797 |
| Core capital (leverage) ratio | 11.0835% | 2,344 |
| Tier 1 risk-based capital ratio | 15.0697% | 3,048 |
| Total risk-based capital ratio | 16.3008% | 2,997 |
| Memoranda: | ||
| Average total assets | $445,759,670 | 1,530 |
| Average earning assets | $403,954,670 | 1,558 |
| Average equity | $55,432,670 | 1,397 |
| Average total loans | $310,557,670 | 1,484 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 978 |
| Cost of funding earning assets | 0.1856% | 5,320 |
| Net interest margin | 4.5512% | 552 |
| Noninterest income to average assets | 0.7370% | 1,868 |
| Noninterest expense to average assets | 3.4578% | 1,265 |
| Loan and lease loss provision to assets | 0.2281% | 813 |
| Net operating income to assets | 1.1735% | 1,634 |
| Return on assets (ROA) | 1.3640% | 1,170 |
| Pretax return on assets | 1.3640% | 2,027 |
| Return on Equity (ROE) | 10.9810% | 1,606 |
| Retained earnings to average equity (ytd only) | -6.6390% | 5,701 |
| Net charge-offs to loans | 0.2349% | 870 |
| Credit loss provision to net charge-offs | 141.6667% | 1,311 |
| Earnings coverage of net charge-offs (x) | 8.7056% | 2,032 |
| Efficiency ratio | 69.6484% | 3,195 |
| Assets per employee ($millions) | 3.7527% | 4,385 |
| Cash dividends to net income (ytd only)* | 160.4590% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 3,164 |
| Loan loss allowance to noncurrent loans | 101.3831% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 2,445 |
| Noncurrent loans to loans | 1.2357% | 1,955 |
| Net loans and leases to total assets | 67.9999% | 2,649 |
| Net loans and leases to deposits | 77.8746% | 3,018 |
| Net loans and leases to core deposits | 86.8099% | 2,673 |
| Total domestic deposits to total assets | 87.3198% | 2,042 |
| Equity capital to assets | 12.2278% | 1,875 |
| Core capital (leverage) ratio | 11.0273% | 2,387 |
| Tier 1 risk-based capital ratio | 15.4182% | 2,964 |
| Total risk-based capital ratio | 16.6451% | 2,912 |
| Memoranda: | ||
| Average total assets | $447,218,000 | 1,536 |
| Average earning assets | $405,077,000 | 1,547 |
| Average equity | $55,550,500 | 1,387 |
| Average total loans | $306,467,500 | 1,497 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 750 |
| Cost of funding earning assets | 0.0903% | 6,000 |
| Net interest margin | 4.8192% | 355 |
| Noninterest income to average assets | 0.8547% | 1,592 |
| Noninterest expense to average assets | 3.4734% | 1,348 |
| Loan and lease loss provision to assets | 0.1953% | 1,114 |
| Net operating income to assets | 1.5412% | 795 |
| Return on assets (ROA) | 1.6079% | 716 |
| Pretax return on assets | 1.6079% | 1,222 |
| Return on Equity (ROE) | 13.3474% | 985 |
| Retained earnings to average equity (ytd only) | 5.6712% | 1,971 |
| Net charge-offs to loans | 0.0246% | 3,751 |
| Credit loss provision to net charge-offs | 1,236.6197% | 271 |
| Earnings coverage of net charge-offs (x) | 109.9718% | 536 |
| Efficiency ratio | 65.2608% | 4,031 |
| Assets per employee ($millions) | 3.6704% | 4,529 |
| Cash dividends to net income (ytd only)* | 57.5104% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 3,121 |
| Loan loss allowance to noncurrent loans | 110.9816% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 2,641 |
| Noncurrent loans to loans | 1.1336% | 2,069 |
| Net loans and leases to total assets | 67.3299% | 2,816 |
| Net loans and leases to deposits | 77.3798% | 3,116 |
| Net loans and leases to core deposits | 87.6839% | 2,631 |
| Total domestic deposits to total assets | 87.0122% | 2,128 |
| Equity capital to assets | 12.6176% | 1,553 |
| Core capital (leverage) ratio | 11.6244% | 1,873 |
| Tier 1 risk-based capital ratio | 16.1035% | 2,646 |
| Total risk-based capital ratio | 17.3256% | 2,599 |
| Memoranda: | ||
| Average total assets | $449,643,600 | 1,491 |
| Average earning assets | $406,350,400 | 1,509 |
| Average equity | $54,168,000 | 1,379 |
| Average total loans | $288,259,000 | 1,516 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 682 |
| Cost of funding earning assets | 0.0641% | 6,173 |
| Net interest margin | 4.8899% | 313 |
| Noninterest income to average assets | 0.8487% | 1,626 |
| Noninterest expense to average assets | 3.4581% | 1,365 |
| Loan and lease loss provision to assets | 0.2563% | 662 |
| Net operating income to assets | 1.5552% | 841 |
| Return on assets (ROA) | 1.6501% | 713 |
| Pretax return on assets | 1.6501% | 1,244 |
| Return on Equity (ROE) | 13.8592% | 936 |
| Retained earnings to average equity (ytd only) | 4.5684% | 3,224 |
| Net charge-offs to loans | 0.0276% | 3,390 |
| Credit loss provision to net charge-offs | 1,469.4915% | 249 |
| Earnings coverage of net charge-offs (x) | 103.8706% | 602 |
| Efficiency ratio | 64.2376% | 4,203 |
| Assets per employee ($millions) | 3.7935% | 4,275 |
| Cash dividends to net income (ytd only)* | 67.0369% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 3,333 |
| Loan loss allowance to noncurrent loans | 112.6182% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 2,956 |
| Noncurrent loans to loans | 1.1154% | 2,269 |
| Net loans and leases to total assets | 67.4959% | 2,774 |
| Net loans and leases to deposits | 79.6991% | 2,918 |
| Net loans and leases to core deposits | 86.8007% | 2,773 |
| Total domestic deposits to total assets | 84.6883% | 3,138 |
| Equity capital to assets | 12.3151% | 1,865 |
| Core capital (leverage) ratio | 11.1513% | 2,351 |
| Tier 1 risk-based capital ratio | 15.9847% | 2,806 |
| Total risk-based capital ratio | 17.2294% | 2,750 |
| Memoranda: | ||
| Average total assets | $451,025,000 | 1,494 |
| Average earning assets | $407,770,000 | 1,517 |
| Average equity | $53,700,750 | 1,398 |
| Average total loans | $284,615,250 | 1,540 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 956 |
| Cost of funding earning assets | 0.0078% | 6,317 |
| Net interest margin | 4.7594% | 388 |
| Noninterest income to average assets | 0.8222% | 1,694 |
| Noninterest expense to average assets | 3.3581% | 1,559 |
| Loan and lease loss provision to assets | 0.3048% | 502 |
| Net operating income to assets | 1.4534% | 979 |
| Return on assets (ROA) | 1.5884% | 793 |
| Pretax return on assets | 1.5884% | 1,365 |
| Return on Equity (ROE) | 13.4917% | 1,016 |
| Retained earnings to average equity (ytd only) | 3.1622% | 4,044 |
| Net charge-offs to loans | 0.0445% | 2,805 |
| Credit loss provision to net charge-offs | 1,114.5161% | 318 |
| Earnings coverage of net charge-offs (x) | 64.2903% | 805 |
| Efficiency ratio | 64.2297% | 4,317 |
| Assets per employee ($millions) | 3.9059% | 4,060 |
| Cash dividends to net income (ytd only)* | 76.5621% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 3,407 |
| Loan loss allowance to noncurrent loans | 91.0732% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 2,701 |
| Noncurrent loans to loans | 1.3926% | 1,940 |
| Net loans and leases to total assets | 63.4968% | 3,344 |
| Net loans and leases to deposits | 72.4847% | 3,676 |
| Net loans and leases to core deposits | 79.9459% | 3,390 |
| Total domestic deposits to total assets | 87.6003% | 1,839 |
| Equity capital to assets | 11.9573% | 2,064 |
| Core capital (leverage) ratio | 10.7808% | 2,639 |
| Tier 1 risk-based capital ratio | 16.1066% | 2,804 |
| Total risk-based capital ratio | 17.3277% | 2,776 |
| Memoranda: | ||
| Average total assets | $453,415,670 | 1,500 |
| Average earning assets | $409,087,670 | 1,522 |
| Average equity | $53,381,000 | 1,418 |
| Average total loans | $278,357,670 | 1,569 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 866 |
| Cost of funding earning assets | 0.1732% | 5,744 |
| Net interest margin | 4.6255% | 475 |
| Noninterest income to average assets | 0.7458% | 1,937 |
| Noninterest expense to average assets | 3.2158% | 1,943 |
| Loan and lease loss provision to assets | 0.3594% | 351 |
| Net operating income to assets | 1.3500% | 1,135 |
| Return on assets (ROA) | 1.3718% | 1,151 |
| Pretax return on assets | 1.3718% | 1,992 |
| Return on Equity (ROE) | 11.7417% | 1,416 |
| Retained earnings to average equity (ytd only) | -0.1572% | 5,407 |
| Net charge-offs to loans | 0.0306% | 2,578 |
| Credit loss provision to net charge-offs | 1,957.1429% | 205 |
| Earnings coverage of net charge-offs (x) | 93.0952% | 526 |
| Efficiency ratio | 63.8558% | 4,509 |
| Assets per employee ($millions) | 3.9738% | 4,016 |
| Cash dividends to net income (ytd only)* | 101.3384% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 3,706 |
| Loan loss allowance to noncurrent loans | 93.3352% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 3,112 |
| Noncurrent loans to loans | 1.3366% | 2,152 |
| Net loans and leases to total assets | 57.9594% | 3,949 |
| Net loans and leases to deposits | 66.5909% | 4,094 |
| Net loans and leases to core deposits | 74.5098% | 3,735 |
| Total domestic deposits to total assets | 87.0380% | 2,345 |
| Equity capital to assets | 11.6094% | 2,368 |
| Core capital (leverage) ratio | 10.4624% | 3,017 |
| Tier 1 risk-based capital ratio | 15.8067% | 3,013 |
| Total risk-based capital ratio | 16.9415% | 3,003 |
| Memoranda: | ||
| Average total assets | $457,489,500 | 1,487 |
| Average earning assets | $413,358,000 | 1,516 |
| Average equity | $53,450,500 | 1,422 |
| Average total loans | $274,355,000 | 1,597 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9325% | 70 |
| Cost of funding earning assets | 0.2749% | 5,052 |
| Net interest margin | 6.6576% | 56 |
| Noninterest income to average assets | 1.1827% | 863 |
| Noninterest expense to average assets | 4.8799% | 339 |
| Loan and lease loss provision to assets | 0.5158% | 293 |
| Net operating income to assets | 1.7995% | 476 |
| Return on assets (ROA) | 1.7995% | 488 |
| Pretax return on assets | 1.7995% | 792 |
| Return on Equity (ROE) | 16.5721% | 542 |
| Retained earnings to average equity (ytd only) | 10.0816% | 506 |
| Net charge-offs to loans | 0.1533% | 2,507 |
| Credit loss provision to net charge-offs | 544.8387% | 491 |
| Earnings coverage of net charge-offs (x) | 24.4581% | 1,536 |
| Efficiency ratio | 66.4219% | 4,171 |
| Assets per employee ($millions) | 3.9826% | 3,999 |
| Cash dividends to net income (ytd only)* | 39.1651% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 4,679 |
| Loan loss allowance to noncurrent loans | 85.2815% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 3,195 |
| Noncurrent loans to loans | 1.2579% | 2,348 |
| Net loans and leases to total assets | 60.6101% | 3,705 |
| Net loans and leases to deposits | 69.8569% | 3,930 |
| Net loans and leases to core deposits | 80.4735% | 3,241 |
| Total domestic deposits to total assets | 86.7632% | 2,408 |
| Equity capital to assets | 11.7633% | 2,200 |
| Core capital (leverage) ratio | 10.2497% | 3,247 |
| Tier 1 risk-based capital ratio | 16.0148% | 2,955 |
| Total risk-based capital ratio | 17.0699% | 2,998 |
| Memoranda: | ||
| Average total assets | $327,484,000 | 1,984 |
| Average earning assets | $295,752,800 | 2,027 |
| Average equity | $35,559,800 | 1,970 |
| Average total loans | $202,211,400 | 2,019 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5898% | 52 |
| Cost of funding earning assets | 0.3196% | 4,676 |
| Net interest margin | 7.2702% | 45 |
| Noninterest income to average assets | 1.0978% | 1,007 |
| Noninterest expense to average assets | 5.5779% | 222 |
| Loan and lease loss provision to assets | 0.5967% | 225 |
| Net operating income to assets | 1.4836% | 971 |
| Return on assets (ROA) | 1.4836% | 1,000 |
| Pretax return on assets | 1.4836% | 1,698 |
| Return on Equity (ROE) | 14.1142% | 963 |
| Retained earnings to average equity (ytd only) | 5.2950% | 2,886 |
| Net charge-offs to loans | 0.0706% | 3,188 |
| Credit loss provision to net charge-offs | 1,364.9485% | 252 |
| Earnings coverage of net charge-offs (x) | 47.5876% | 1,008 |
| Efficiency ratio | 71.3941% | 3,285 |
| Assets per employee ($millions) | 3.9040% | 4,082 |
| Cash dividends to net income (ytd only)* | 62.4849% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 5,094 |
| Loan loss allowance to noncurrent loans | 89.9873% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 3,509 |
| Noncurrent loans to loans | 1.1419% | 2,774 |
| Net loans and leases to total assets | 60.7363% | 3,668 |
| Net loans and leases to deposits | 69.9973% | 3,915 |
| Net loans and leases to core deposits | 77.9279% | 3,544 |
| Total domestic deposits to total assets | 86.7695% | 2,437 |
| Equity capital to assets | 11.4671% | 2,514 |
| Core capital (leverage) ratio | 9.9776% | 3,712 |
| Tier 1 risk-based capital ratio | 14.9985% | 3,590 |
| Total risk-based capital ratio | 15.9722% | 3,686 |
| Memoranda: | ||
| Average total assets | $295,851,250 | 2,195 |
| Average earning assets | $266,964,250 | 2,229 |
| Average equity | $31,098,000 | 2,224 |
| Average total loans | $183,223,500 | 2,203 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 1,060 |
| Cost of funding earning assets | 0.2724% | 5,265 |
| Net interest margin | 4.5292% | 666 |
| Noninterest income to average assets | 0.6715% | 2,420 |
| Noninterest expense to average assets | 3.1240% | 2,414 |
| Loan and lease loss provision to assets | 0.1961% | 1,244 |
| Net operating income to assets | 1.4803% | 907 |
| Return on assets (ROA) | 1.4803% | 940 |
| Pretax return on assets | 1.4803% | 1,598 |
| Return on Equity (ROE) | 14.9117% | 806 |
| Retained earnings to average equity (ytd only) | 10.0317% | 708 |
| Net charge-offs to loans | 0.1128% | 2,534 |
| Credit loss provision to net charge-offs | 279.0698% | 909 |
| Earnings coverage of net charge-offs (x) | 23.8605% | 1,455 |
| Efficiency ratio | 65.0783% | 4,519 |
| Assets per employee ($millions) | 4.0646% | 3,702 |
| Cash dividends to net income (ytd only)* | 32.7263% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 5,025 |
| Loan loss allowance to noncurrent loans | 108.7789% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 3,870 |
| Noncurrent loans to loans | 0.9833% | 3,268 |
| Net loans and leases to total assets | 61.4737% | 3,489 |
| Net loans and leases to deposits | 68.9389% | 3,947 |
| Net loans and leases to core deposits | 77.4325% | 3,500 |
| Total domestic deposits to total assets | 89.1713% | 1,268 |
| Equity capital to assets | 10.2088% | 3,811 |
| Core capital (leverage) ratio | 9.4464% | 4,400 |
| Tier 1 risk-based capital ratio | 14.1452% | 4,153 |
| Total risk-based capital ratio | 15.1540% | 4,267 |
| Memoranda: | ||
| Average total assets | $244,814,330 | 2,592 |
| Average earning assets | $223,174,000 | 2,611 |
| Average equity | $24,303,000 | 2,728 |
| Average total loans | $152,460,000 | 2,539 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7992% | 1,046 |
| Cost of funding earning assets | 0.2865% | 5,205 |
| Net interest margin | 4.5126% | 642 |
| Noninterest income to average assets | 0.6561% | 2,424 |
| Noninterest expense to average assets | 3.0767% | 2,597 |
| Loan and lease loss provision to assets | 0.1973% | 1,184 |
| Net operating income to assets | 1.4997% | 819 |
| Return on assets (ROA) | 1.4997% | 848 |
| Pretax return on assets | 1.4997% | 1,430 |
| Return on Equity (ROE) | 15.3287% | 729 |
| Retained earnings to average equity (ytd only) | 11.8999% | 624 |
| Net charge-offs to loans | 0.1451% | 1,854 |
| Credit loss provision to net charge-offs | 218.1818% | 979 |
| Earnings coverage of net charge-offs (x) | 18.7636% | 1,407 |
| Efficiency ratio | 64.4506% | 4,790 |
| Assets per employee ($millions) | 3.9214% | 4,100 |
| Cash dividends to net income (ytd only)* | 22.3684% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 5,356 |
| Loan loss allowance to noncurrent loans | 138.6667% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 4,564 |
| Noncurrent loans to loans | 0.7496% | 3,992 |
| Net loans and leases to total assets | 60.1212% | 3,545 |
| Net loans and leases to deposits | 67.0563% | 3,964 |
| Net loans and leases to core deposits | 75.9721% | 3,415 |
| Total domestic deposits to total assets | 89.6578% | 1,273 |
| Equity capital to assets | 9.8200% | 4,075 |
| Core capital (leverage) ratio | 9.0852% | 4,888 |
| Tier 1 risk-based capital ratio | 14.2331% | 4,175 |
| Total risk-based capital ratio | 15.2156% | 4,296 |
| Memoranda: | ||
| Average total assets | $243,250,500 | 2,613 |
| Average earning assets | $221,954,000 | 2,635 |
| Average equity | $23,798,500 | 2,774 |
| Average total loans | $151,656,500 | 2,558 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8817% | 1,129 |
| Cost of funding earning assets | 0.3784% | 4,856 |
| Net interest margin | 4.5033% | 732 |
| Noninterest income to average assets | 0.6835% | 2,631 |
| Noninterest expense to average assets | 3.1388% | 2,621 |
| Loan and lease loss provision to assets | 0.2131% | 1,721 |
| Net operating income to assets | 1.3398% | 1,156 |
| Return on assets (ROA) | 1.3410% | 1,192 |
| Pretax return on assets | 1.3410% | 2,006 |
| Return on Equity (ROE) | 13.7855% | 997 |
| Retained earnings to average equity (ytd only) | -0.1114% | 5,895 |
| Net charge-offs to loans | 0.2194% | 2,709 |
| Credit loss provision to net charge-offs | 161.3982% | 1,421 |
| Earnings coverage of net charge-offs (x) | 11.7599% | 2,200 |
| Efficiency ratio | 66.9005% | 4,389 |
| Assets per employee ($millions) | 3.8009% | 4,262 |
| Cash dividends to net income (ytd only)* | 100.8081% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 5,682 |
| Loan loss allowance to noncurrent loans | 136.5297% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 4,279 |
| Noncurrent loans to loans | 0.7146% | 4,176 |
| Net loans and leases to total assets | 63.3651% | 3,147 |
| Net loans and leases to deposits | 72.4637% | 3,465 |
| Net loans and leases to core deposits | 80.8228% | 3,033 |
| Total domestic deposits to total assets | 87.4440% | 2,497 |
| Equity capital to assets | 9.7459% | 4,108 |
| Core capital (leverage) ratio | 8.8669% | 5,188 |
| Tier 1 risk-based capital ratio | 13.5589% | 4,610 |
| Total risk-based capital ratio | 14.4849% | 4,772 |
| Memoranda: | ||
| Average total assets | $249,141,400 | 2,536 |
| Average earning assets | $221,748,200 | 2,599 |
| Average equity | $24,235,600 | 2,709 |
| Average total loans | $149,978,600 | 2,556 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 1,197 |
| Cost of funding earning assets | 0.3941% | 4,869 |
| Net interest margin | 4.4744% | 763 |
| Noninterest income to average assets | 0.6805% | 2,732 |
| Noninterest expense to average assets | 3.0343% | 2,872 |
| Loan and lease loss provision to assets | 0.2178% | 1,671 |
| Net operating income to assets | 1.3876% | 1,132 |
| Return on assets (ROA) | 1.3876% | 1,177 |
| Pretax return on assets | 1.3876% | 1,970 |
| Return on Equity (ROE) | 14.2704% | 932 |
| Retained earnings to average equity (ytd only) | -4.0882% | 6,444 |
| Net charge-offs to loans | 0.2235% | 2,473 |
| Credit loss provision to net charge-offs | 164.4000% | 1,449 |
| Earnings coverage of net charge-offs (x) | 12.1158% | 2,171 |
| Efficiency ratio | 65.3987% | 4,592 |
| Assets per employee ($millions) | 4.1681% | 3,491 |
| Cash dividends to net income (ytd only)* | 128.6477% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 5,921 |
| Loan loss allowance to noncurrent loans | 83.0760% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 4,362 |
| Noncurrent loans to loans | 1.1434% | 3,519 |
| Net loans and leases to total assets | 59.5893% | 3,762 |
| Net loans and leases to deposits | 65.7810% | 4,331 |
| Net loans and leases to core deposits | 72.5894% | 4,020 |
| Total domestic deposits to total assets | 90.5875% | 709 |
| Equity capital to assets | 8.8513% | 5,362 |
| Core capital (leverage) ratio | 8.2572% | 6,008 |
| Tier 1 risk-based capital ratio | 13.0894% | 5,063 |
| Total risk-based capital ratio | 13.9881% | 5,243 |
| Memoranda: | ||
| Average total assets | $251,563,000 | 2,531 |
| Average earning assets | $222,592,000 | 2,604 |
| Average equity | $24,460,250 | 2,712 |
| Average total loans | $149,166,750 | 2,582 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8898% | 1,119 |
| Cost of funding earning assets | 0.4168% | 4,788 |
| Net interest margin | 4.4730% | 748 |
| Noninterest income to average assets | 0.7005% | 2,635 |
| Noninterest expense to average assets | 2.9641% | 3,108 |
| Loan and lease loss provision to assets | 0.2322% | 1,608 |
| Net operating income to assets | 1.4178% | 1,039 |
| Return on assets (ROA) | 1.4178% | 1,127 |
| Pretax return on assets | 1.4178% | 1,866 |
| Return on Equity (ROE) | 14.1526% | 977 |
| Retained earnings to average equity (ytd only) | 11.8429% | 524 |
| Net charge-offs to loans | 0.3421% | 1,812 |
| Credit loss provision to net charge-offs | 115.0198% | 1,923 |
| Earnings coverage of net charge-offs (x) | 8.1739% | 2,447 |
| Efficiency ratio | 64.2400% | 4,838 |
| Assets per employee ($millions) | 4.3274% | 3,128 |
| Cash dividends to net income (ytd only)* | 16.3196% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 6,170 |
| Loan loss allowance to noncurrent loans | 91.2835% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 4,813 |
| Noncurrent loans to loans | 0.9726% | 3,993 |
| Net loans and leases to total assets | 58.1505% | 3,961 |
| Net loans and leases to deposits | 64.8151% | 4,400 |
| Net loans and leases to core deposits | 72.3853% | 3,998 |
| Total domestic deposits to total assets | 89.7175% | 1,195 |
| Equity capital to assets | 9.8011% | 4,183 |
| Core capital (leverage) ratio | 9.2668% | 4,601 |
| Tier 1 risk-based capital ratio | 14.6135% | 4,024 |
| Total risk-based capital ratio | 15.4440% | 4,254 |
| Memoranda: | ||
| Average total assets | $250,665,000 | 2,549 |
| Average earning assets | $219,315,670 | 2,646 |
| Average equity | $25,112,000 | 2,658 |
| Average total loans | $147,901,330 | 2,601 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 1,219 |
| Cost of funding earning assets | 0.4245% | 4,871 |
| Net interest margin | 4.4123% | 788 |
| Noninterest income to average assets | 0.7103% | 2,536 |
| Noninterest expense to average assets | 2.8799% | 3,420 |
| Loan and lease loss provision to assets | 0.2754% | 1,281 |
| Net operating income to assets | 1.4561% | 944 |
| Return on assets (ROA) | 1.4561% | 1,022 |
| Pretax return on assets | 1.4561% | 1,694 |
| Return on Equity (ROE) | 14.3743% | 884 |
| Retained earnings to average equity (ytd only) | 10.1606% | 1,069 |
| Net charge-offs to loans | 0.0027% | 4,116 |
| Credit loss provision to net charge-offs | 17,100.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,075.0000% | 18 |
| Efficiency ratio | 62.4520% | 5,245 |
| Assets per employee ($millions) | 4.3107% | 3,318 |
| Cash dividends to net income (ytd only)* | 29.3142% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,051 |
| Loan loss allowance to noncurrent loans | 109.5060% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 5,016 |
| Noncurrent loans to loans | 0.8957% | 4,343 |
| Net loans and leases to total assets | 59.0709% | 3,593 |
| Net loans and leases to deposits | 66.0631% | 4,048 |
| Net loans and leases to core deposits | 74.2151% | 3,552 |
| Total domestic deposits to total assets | 89.4160% | 1,404 |
| Equity capital to assets | 10.1225% | 3,985 |
| Core capital (leverage) ratio | 9.2214% | 4,530 |
| Tier 1 risk-based capital ratio | 14.2277% | 4,339 |
| Total risk-based capital ratio | 15.1506% | 4,534 |
| Memoranda: | ||
| Average total assets | $248,339,000 | 2,598 |
| Average earning assets | $219,568,000 | 2,668 |
| Average equity | $25,156,000 | 2,687 |
| Average total loans | $146,953,000 | 2,631 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0155% | 1,517 |
| Cost of funding earning assets | 0.5509% | 4,810 |
| Net interest margin | 4.4646% | 1,012 |
| Noninterest income to average assets | 0.7130% | 2,656 |
| Noninterest expense to average assets | 3.0611% | 3,045 |
| Loan and lease loss provision to assets | 0.1299% | 3,992 |
| Net operating income to assets | 1.5550% | 824 |
| Return on assets (ROA) | 1.5381% | 933 |
| Pretax return on assets | 1.5381% | 1,565 |
| Return on Equity (ROE) | 14.9812% | 811 |
| Retained earnings to average equity (ytd only) | 8.4715% | 974 |
| Net charge-offs to loans | -0.0032% | 6,354 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4976% | 4,799 |
| Assets per employee ($millions) | 4.2528% | 3,455 |
| Cash dividends to net income (ytd only)* | 43.4525% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,278 |
| Loan loss allowance to noncurrent loans | 92.7547% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 5,056 |
| Noncurrent loans to loans | 0.9630% | 4,272 |
| Net loans and leases to total assets | 58.1618% | 3,949 |
| Net loans and leases to deposits | 66.8855% | 4,152 |
| Net loans and leases to core deposits | 73.2210% | 3,888 |
| Total domestic deposits to total assets | 86.9574% | 2,862 |
| Equity capital to assets | 10.1370% | 3,987 |
| Core capital (leverage) ratio | 9.2825% | 4,449 |
| Tier 1 risk-based capital ratio | 14.2542% | 4,200 |
| Total risk-based capital ratio | 15.0953% | 4,453 |
| Memoranda: | ||
| Average total assets | $230,868,000 | 2,713 |
| Average earning assets | $208,553,200 | 2,756 |
| Average equity | $23,703,000 | 2,777 |
| Average total loans | $124,727,600 | 2,986 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 1,835 |
| Cost of funding earning assets | 0.5819% | 4,827 |
| Net interest margin | 4.3678% | 1,294 |
| Noninterest income to average assets | 0.7151% | 2,638 |
| Noninterest expense to average assets | 3.0994% | 2,894 |
| Loan and lease loss provision to assets | 0.1322% | 3,894 |
| Net operating income to assets | 1.4836% | 1,050 |
| Return on assets (ROA) | 1.4889% | 1,154 |
| Pretax return on assets | 1.4889% | 1,923 |
| Return on Equity (ROE) | 14.4521% | 1,010 |
| Retained earnings to average equity (ytd only) | 6.0797% | 2,646 |
| Net charge-offs to loans | -0.0089% | 6,350 |
| Credit loss provision to net charge-offs | -2,812.5000% | 6,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7321% | 4,500 |
| Assets per employee ($millions) | 3.8212% | 4,253 |
| Cash dividends to net income (ytd only)* | 57.9320% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 6,281 |
| Loan loss allowance to noncurrent loans | 133.8445% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 5,661 |
| Noncurrent loans to loans | 0.6986% | 5,039 |
| Net loans and leases to total assets | 55.5406% | 4,516 |
| Net loans and leases to deposits | 62.3735% | 4,918 |
| Net loans and leases to core deposits | 68.4309% | 4,683 |
| Total domestic deposits to total assets | 89.0453% | 1,402 |
| Equity capital to assets | 10.4300% | 3,921 |
| Core capital (leverage) ratio | 8.9698% | 5,106 |
| Tier 1 risk-based capital ratio | 14.7995% | 3,984 |
| Total risk-based capital ratio | 15.6618% | 4,219 |
| Memoranda: | ||
| Average total assets | $226,920,000 | 2,783 |
| Average earning assets | $207,819,250 | 2,790 |
| Average equity | $23,377,750 | 2,836 |
| Average total loans | $119,720,750 | 3,117 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 2,081 |
| Cost of funding earning assets | 0.6062% | 4,853 |
| Net interest margin | 4.3002% | 1,479 |
| Noninterest income to average assets | 0.7080% | 2,625 |
| Noninterest expense to average assets | 3.1139% | 2,884 |
| Loan and lease loss provision to assets | 0.1334% | 3,860 |
| Net operating income to assets | 1.4106% | 1,169 |
| Return on assets (ROA) | 1.3991% | 1,336 |
| Pretax return on assets | 1.3991% | 2,198 |
| Return on Equity (ROE) | 13.6389% | 1,201 |
| Retained earnings to average equity (ytd only) | 3.6764% | 4,147 |
| Net charge-offs to loans | -0.1499% | 6,942 |
| Credit loss provision to net charge-offs | -172.4138% | 6,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8513% | 4,348 |
| Assets per employee ($millions) | 3.7831% | 4,360 |
| Cash dividends to net income (ytd only)* | 73.0451% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 6,187 |
| Loan loss allowance to noncurrent loans | 153.2500% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 5,640 |
| Noncurrent loans to loans | 0.6478% | 5,214 |
| Net loans and leases to total assets | 53.8658% | 4,824 |
| Net loans and leases to deposits | 60.3425% | 5,217 |
| Net loans and leases to core deposits | 67.8353% | 4,805 |
| Total domestic deposits to total assets | 89.2668% | 1,350 |
| Equity capital to assets | 10.2384% | 4,007 |
| Core capital (leverage) ratio | 8.9308% | 5,010 |
| Tier 1 risk-based capital ratio | 15.0345% | 3,750 |
| Total risk-based capital ratio | 15.9411% | 3,936 |
| Memoranda: | ||
| Average total assets | $224,861,330 | 2,816 |
| Average earning assets | $206,547,330 | 2,803 |
| Average equity | $23,066,330 | 2,847 |
| Average total loans | $116,066,000 | 3,218 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 2,044 |
| Cost of funding earning assets | 0.6072% | 5,074 |
| Net interest margin | 4.3510% | 1,333 |
| Noninterest income to average assets | 0.7078% | 2,624 |
| Noninterest expense to average assets | 3.1618% | 2,731 |
| Loan and lease loss provision to assets | 0.1340% | 3,677 |
| Net operating income to assets | 1.4209% | 1,180 |
| Return on assets (ROA) | 1.4388% | 1,280 |
| Pretax return on assets | 1.4388% | 2,061 |
| Return on Equity (ROE) | 14.0125% | 1,180 |
| Retained earnings to average equity (ytd only) | 10.0437% | 1,259 |
| Net charge-offs to loans | -0.3097% | 7,077 |
| Credit loss provision to net charge-offs | -86.2069% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0330% | 4,353 |
| Assets per employee ($millions) | 3.6838% | 4,695 |
| Cash dividends to net income (ytd only)* | 28.3230% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 6,273 |
| Loan loss allowance to noncurrent loans | 155.3306% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 5,808 |
| Noncurrent loans to loans | 0.6398% | 5,359 |
| Net loans and leases to total assets | 49.4064% | 5,386 |
| Net loans and leases to deposits | 55.1910% | 5,685 |
| Net loans and leases to core deposits | 61.7686% | 5,345 |
| Total domestic deposits to total assets | 89.5190% | 1,362 |
| Equity capital to assets | 10.0699% | 4,043 |
| Core capital (leverage) ratio | 9.3391% | 4,299 |
| Tier 1 risk-based capital ratio | 16.2112% | 3,066 |
| Total risk-based capital ratio | 17.1219% | 3,211 |
| Memoranda: | ||
| Average total assets | $223,798,000 | 2,847 |
| Average earning assets | $206,207,500 | 2,817 |
| Average equity | $22,979,500 | 2,855 |
| Average total loans | $112,351,500 | 3,307 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 1,898 |
| Cost of funding earning assets | 0.8214% | 4,697 |
| Net interest margin | 4.4229% | 1,335 |
| Noninterest income to average assets | 0.9702% | 1,450 |
| Noninterest expense to average assets | 3.1968% | 2,879 |
| Loan and lease loss provision to assets | 0.1397% | 4,873 |
| Net operating income to assets | 1.7071% | 542 |
| Return on assets (ROA) | 1.7071% | 580 |
| Pretax return on assets | 1.7071% | 976 |
| Return on Equity (ROE) | 17.6249% | 414 |
| Retained earnings to average equity (ytd only) | 12.3379% | 275 |
| Net charge-offs to loans | 0.1902% | 4,623 |
| Credit loss provision to net charge-offs | 140.8451% | 2,087 |
| Earnings coverage of net charge-offs (x) | 18.6244% | 1,211 |
| Efficiency ratio | 63.3838% | 5,234 |
| Assets per employee ($millions) | 3.6529% | 4,653 |
| Cash dividends to net income (ytd only)* | 29.9973% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 6,516 |
| Loan loss allowance to noncurrent loans | 104.2150% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 5,677 |
| Noncurrent loans to loans | 0.8715% | 4,944 |
| Net loans and leases to total assets | 50.0661% | 5,569 |
| Net loans and leases to deposits | 57.9710% | 5,699 |
| Net loans and leases to core deposits | 63.1752% | 5,546 |
| Total domestic deposits to total assets | 86.3641% | 3,106 |
| Equity capital to assets | 10.4812% | 3,557 |
| Core capital (leverage) ratio | 9.1746% | 4,502 |
| Tier 1 risk-based capital ratio | 17.2699% | 2,481 |
| Total risk-based capital ratio | 18.1276% | 2,620 |
| Memoranda: | ||
| Average total assets | $214,807,800 | 2,894 |
| Average earning assets | $197,832,200 | 2,881 |
| Average equity | $20,805,800 | 3,034 |
| Average total loans | $112,012,600 | 3,333 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 1,778 |
| Cost of funding earning assets | 0.8633% | 4,675 |
| Net interest margin | 4.4593% | 1,249 |
| Noninterest income to average assets | 1.0238% | 1,284 |
| Noninterest expense to average assets | 3.2688% | 2,602 |
| Loan and lease loss provision to assets | 0.1398% | 4,692 |
| Net operating income to assets | 1.7158% | 605 |
| Return on assets (ROA) | 1.7158% | 662 |
| Pretax return on assets | 1.7158% | 1,107 |
| Return on Equity (ROE) | 18.0873% | 447 |
| Retained earnings to average equity (ytd only) | 11.0410% | 626 |
| Net charge-offs to loans | 0.0544% | 5,425 |
| Credit loss provision to net charge-offs | 489.1304% | 567 |
| Earnings coverage of net charge-offs (x) | 64.9367% | 505 |
| Efficiency ratio | 63.7896% | 5,115 |
| Assets per employee ($millions) | 3.8225% | 4,257 |
| Cash dividends to net income (ytd only)* | 38.9573% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,250 |
| Loan loss allowance to noncurrent loans | 88.8980% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 5,580 |
| Noncurrent loans to loans | 1.1293% | 4,657 |
| Net loans and leases to total assets | 48.9249% | 5,845 |
| Net loans and leases to deposits | 54.6594% | 6,148 |
| Net loans and leases to core deposits | 61.6274% | 5,852 |
| Total domestic deposits to total assets | 89.5087% | 1,138 |
| Equity capital to assets | 10.0195% | 4,317 |
| Core capital (leverage) ratio | 8.8247% | 5,220 |
| Tier 1 risk-based capital ratio | 16.3168% | 2,960 |
| Total risk-based capital ratio | 17.2434% | 3,081 |
| Memoranda: | ||
| Average total assets | $214,630,000 | 2,903 |
| Average earning assets | $197,367,250 | 2,896 |
| Average equity | $20,360,000 | 3,096 |
| Average total loans | $112,793,000 | 3,357 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3798% | 1,624 |
| Cost of funding earning assets | 0.9024% | 4,647 |
| Net interest margin | 4.4774% | 1,184 |
| Noninterest income to average assets | 1.0808% | 1,110 |
| Noninterest expense to average assets | 3.3379% | 2,438 |
| Loan and lease loss provision to assets | 0.1405% | 4,551 |
| Net operating income to assets | 1.7195% | 576 |
| Return on assets (ROA) | 1.7195% | 620 |
| Pretax return on assets | 1.7195% | 1,013 |
| Return on Equity (ROE) | 18.4804% | 422 |
| Retained earnings to average equity (ytd only) | 9.4113% | 983 |
| Net charge-offs to loans | 0.2114% | 3,879 |
| Credit loss provision to net charge-offs | 123.9669% | 2,457 |
| Earnings coverage of net charge-offs (x) | 16.4132% | 1,344 |
| Efficiency ratio | 64.2162% | 5,201 |
| Assets per employee ($millions) | 3.5832% | 4,726 |
| Cash dividends to net income (ytd only)* | 49.0741% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 6,828 |
| Loan loss allowance to noncurrent loans | 92.7291% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 5,735 |
| Noncurrent loans to loans | 0.8878% | 5,197 |
| Net loans and leases to total assets | 51.3124% | 5,652 |
| Net loans and leases to deposits | 56.9751% | 6,053 |
| Net loans and leases to core deposits | 64.4758% | 5,675 |
| Total domestic deposits to total assets | 90.0610% | 943 |
| Equity capital to assets | 9.4939% | 4,824 |
| Core capital (leverage) ratio | 8.3794% | 5,740 |
| Tier 1 risk-based capital ratio | 14.9453% | 3,519 |
| Total risk-based capital ratio | 15.7063% | 3,792 |
| Memoranda: | ||
| Average total assets | $213,545,000 | 2,927 |
| Average earning assets | $196,363,330 | 2,917 |
| Average equity | $19,869,670 | 3,149 |
| Average total loans | $114,497,000 | 3,346 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4570% | 1,413 |
| Cost of funding earning assets | 0.9384% | 4,661 |
| Net interest margin | 4.5187% | 1,029 |
| Noninterest income to average assets | 0.8890% | 1,698 |
| Noninterest expense to average assets | 3.2223% | 2,808 |
| Loan and lease loss provision to assets | 0.1422% | 4,233 |
| Net operating income to assets | 1.6775% | 596 |
| Return on assets (ROA) | 1.6775% | 632 |
| Pretax return on assets | 1.6775% | 1,021 |
| Return on Equity (ROE) | 18.2202% | 459 |
| Retained earnings to average equity (ytd only) | 17.7261% | 250 |
| Net charge-offs to loans | 0.0903% | 4,040 |
| Credit loss provision to net charge-offs | 288.4615% | 1,106 |
| Earnings coverage of net charge-offs (x) | 36.9231% | 723 |
| Efficiency ratio | 63.9098% | 5,376 |
| Assets per employee ($millions) | 3.4847% | 5,029 |
| Cash dividends to net income (ytd only)* | 2.7119% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8209% | 6,875 |
| Loan loss allowance to noncurrent loans | 84.7594% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 5,612 |
| Noncurrent loans to loans | 0.9685% | 5,108 |
| Net loans and leases to total assets | 53.1793% | 5,425 |
| Net loans and leases to deposits | 58.9304% | 5,839 |
| Net loans and leases to core deposits | 66.6790% | 5,440 |
| Total domestic deposits to total assets | 90.2409% | 994 |
| Equity capital to assets | 9.2926% | 4,739 |
| Core capital (leverage) ratio | 8.4764% | 5,501 |
| Tier 1 risk-based capital ratio | 14.8733% | 3,491 |
| Total risk-based capital ratio | 15.6500% | 3,767 |
| Memoranda: | ||
| Average total assets | $211,031,000 | 2,977 |
| Average earning assets | $193,951,500 | 2,959 |
| Average equity | $19,429,000 | 3,199 |
| Average total loans | $115,202,500 | 3,363 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 1,543 |
| Cost of funding earning assets | 1.0428% | 5,467 |
| Net interest margin | 4.6646% | 882 |
| Noninterest income to average assets | 0.8676% | 1,986 |
| Noninterest expense to average assets | 3.7966% | 1,496 |
| Loan and lease loss provision to assets | 0.2035% | 5,208 |
| Net operating income to assets | 1.1040% | 1,696 |
| Return on assets (ROA) | 1.1040% | 1,767 |
| Pretax return on assets | 1.1040% | 2,565 |
| Return on Equity (ROE) | 12.1183% | 1,295 |
| Retained earnings to average equity (ytd only) | 11.1348% | 365 |
| Net charge-offs to loans | 0.6414% | 3,095 |
| Credit loss provision to net charge-offs | 56.1453% | 6,153 |
| Earnings coverage of net charge-offs (x) | 3.6075% | 3,280 |
| Efficiency ratio | 74.3826% | 3,321 |
| Assets per employee ($millions) | 3.0295% | 6,037 |
| Cash dividends to net income (ytd only)* | 8.1155% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 6,993 |
| Loan loss allowance to noncurrent loans | 55.0000% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1490% | 4,711 |
| Noncurrent loans to loans | 1.4316% | 4,345 |
| Net loans and leases to total assets | 55.1707% | 5,461 |
| Net loans and leases to deposits | 61.3415% | 5,919 |
| Net loans and leases to core deposits | 69.7396% | 5,469 |
| Total domestic deposits to total assets | 89.9402% | 1,133 |
| Equity capital to assets | 9.1166% | 4,971 |
| Core capital (leverage) ratio | 8.3299% | 5,645 |
| Tier 1 risk-based capital ratio | 14.5058% | 3,542 |
| Total risk-based capital ratio | 15.2600% | 3,831 |
| Memoranda: | ||
| Average total assets | $197,547,000 | 3,132 |
| Average earning assets | $179,413,800 | 3,129 |
| Average equity | $17,997,600 | 3,424 |
| Average total loans | $111,636,800 | 3,506 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 1,649 |
| Cost of funding earning assets | 1.0596% | 5,649 |
| Net interest margin | 4.6597% | 926 |
| Noninterest income to average assets | 0.8125% | 2,165 |
| Noninterest expense to average assets | 3.6022% | 1,787 |
| Loan and lease loss provision to assets | 0.1665% | 5,381 |
| Net operating income to assets | 1.2621% | 1,436 |
| Return on assets (ROA) | 1.2621% | 1,516 |
| Pretax return on assets | 1.2621% | 2,292 |
| Return on Equity (ROE) | 13.8560% | 1,063 |
| Retained earnings to average equity (ytd only) | 12.7100% | 380 |
| Net charge-offs to loans | 0.5722% | 3,034 |
| Credit loss provision to net charge-offs | 51.2605% | 5,861 |
| Earnings coverage of net charge-offs (x) | 4.3992% | 3,069 |
| Efficiency ratio | 71.6029% | 3,776 |
| Assets per employee ($millions) | 2.9900% | 6,170 |
| Cash dividends to net income (ytd only)* | 8.2701% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 6,774 |
| Loan loss allowance to noncurrent loans | 69.3230% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.1046% | 4,906 |
| Noncurrent loans to loans | 1.2852% | 4,708 |
| Net loans and leases to total assets | 53.0027% | 5,982 |
| Net loans and leases to deposits | 58.6798% | 6,411 |
| Net loans and leases to core deposits | 65.9373% | 6,129 |
| Total domestic deposits to total assets | 90.3253% | 709 |
| Equity capital to assets | 9.1556% | 5,380 |
| Core capital (leverage) ratio | 8.4378% | 5,628 |
| Tier 1 risk-based capital ratio | 14.6905% | 3,397 |
| Total risk-based capital ratio | 15.5379% | 3,598 |
| Memoranda: | ||
| Average total assets | $195,431,750 | 3,199 |
| Average earning assets | $176,918,500 | 3,205 |
| Average equity | $17,801,750 | 3,507 |
| Average total loans | $110,906,500 | 3,585 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7263% | 1,667 |
| Cost of funding earning assets | 1.0782% | 5,794 |
| Net interest margin | 4.6481% | 896 |
| Noninterest income to average assets | 0.7695% | 2,285 |
| Noninterest expense to average assets | 3.6579% | 1,651 |
| Loan and lease loss provision to assets | 0.2544% | 4,389 |
| Net operating income to assets | 1.0646% | 1,967 |
| Return on assets (ROA) | 1.0646% | 2,041 |
| Pretax return on assets | 1.0646% | 2,889 |
| Return on Equity (ROE) | 11.7092% | 1,524 |
| Retained earnings to average equity (ytd only) | 10.2642% | 787 |
| Net charge-offs to loans | 0.8245% | 2,189 |
| Credit loss provision to net charge-offs | 53.2751% | 5,349 |
| Earnings coverage of net charge-offs (x) | 2.7620% | 3,606 |
| Efficiency ratio | 73.4968% | 3,562 |
| Assets per employee ($millions) | 2.8920% | 6,376 |
| Cash dividends to net income (ytd only)* | 12.3408% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 6,732 |
| Loan loss allowance to noncurrent loans | 81.6626% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.0690% | 4,996 |
| Noncurrent loans to loans | 1.1112% | 5,102 |
| Net loans and leases to total assets | 54.0514% | 5,984 |
| Net loans and leases to deposits | 59.6903% | 6,442 |
| Net loans and leases to core deposits | 67.2518% | 6,125 |
| Total domestic deposits to total assets | 90.5531% | 665 |
| Equity capital to assets | 8.9993% | 5,451 |
| Core capital (leverage) ratio | 8.4423% | 5,506 |
| Tier 1 risk-based capital ratio | 13.9101% | 3,792 |
| Total risk-based capital ratio | 14.7683% | 4,018 |
| Memoranda: | ||
| Average total assets | $191,805,000 | 3,277 |
| Average earning assets | $173,620,000 | 3,280 |
| Average equity | $17,439,330 | 3,561 |
| Average total loans | $111,097,330 | 3,603 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9139% | 1,172 |
| Cost of funding earning assets | 1.1267% | 5,767 |
| Net interest margin | 4.7872% | 663 |
| Noninterest income to average assets | 0.7893% | 2,075 |
| Noninterest expense to average assets | 3.8887% | 1,187 |
| Loan and lease loss provision to assets | 0.4290% | 2,811 |
| Net operating income to assets | 0.8279% | 2,847 |
| Return on assets (ROA) | 0.8279% | 2,943 |
| Pretax return on assets | 0.8279% | 3,751 |
| Return on Equity (ROE) | 9.0557% | 2,479 |
| Retained earnings to average equity (ytd only) | 7.5777% | 1,888 |
| Net charge-offs to loans | 1.0446% | 1,584 |
| Credit loss provision to net charge-offs | 68.7285% | 4,133 |
| Earnings coverage of net charge-offs (x) | 2.0137% | 3,532 |
| Efficiency ratio | 75.5732% | 3,293 |
| Assets per employee ($millions) | 2.6626% | 6,933 |
| Cash dividends to net income (ytd only)* | 16.3212% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,397 |
| Loan loss allowance to noncurrent loans | 56.7895% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.4407% | 4,345 |
| Noncurrent loans to loans | 1.7825% | 4,076 |
| Net loans and leases to total assets | 57.3853% | 5,539 |
| Net loans and leases to deposits | 63.4508% | 6,117 |
| Net loans and leases to core deposits | 72.6356% | 5,647 |
| Total domestic deposits to total assets | 90.4406% | 770 |
| Equity capital to assets | 9.0425% | 5,215 |
| Core capital (leverage) ratio | 8.2928% | 5,756 |
| Tier 1 risk-based capital ratio | 13.6134% | 3,919 |
| Total risk-based capital ratio | 14.5908% | 4,053 |
| Memoranda: | ||
| Average total assets | $186,489,000 | 3,413 |
| Average earning assets | $169,701,000 | 3,406 |
| Average equity | $17,050,000 | 3,643 |
| Average total loans | $111,435,000 | 3,654 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3433% | 949 |
| Cost of funding earning assets | 1.6053% | 5,002 |
| Net interest margin | 4.7380% | 785 |
| Noninterest income to average assets | 0.8944% | 1,960 |
| Noninterest expense to average assets | 4.4624% | 827 |
| Loan and lease loss provision to assets | 0.5263% | 3,742 |
| Net operating income to assets | 0.1720% | 4,990 |
| Return on assets (ROA) | 0.1720% | 5,068 |
| Pretax return on assets | 0.1720% | 5,069 |
| Return on Equity (ROE) | 1.9780% | 4,914 |
| Retained earnings to average equity (ytd only) | 0.3109% | 4,736 |
| Net charge-offs to loans | 1.0636% | 2,287 |
| Credit loss provision to net charge-offs | 75.2467% | 6,388 |
| Earnings coverage of net charge-offs (x) | 0.9984% | 5,113 |
| Efficiency ratio | 86.4690% | 2,060 |
| Assets per employee ($millions) | 2.4496% | 7,285 |
| Cash dividends to net income (ytd only)* | 84.2809% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,953 |
| Loan loss allowance to noncurrent loans | 57.1160% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.7449% | 3,750 |
| Noncurrent loans to loans | 1.9054% | 3,795 |
| Net loans and leases to total assets | 60.9680% | 5,198 |
| Net loans and leases to deposits | 69.0664% | 5,717 |
| Net loans and leases to core deposits | 91.9252% | 4,896 |
| Total domestic deposits to total assets | 88.2745% | 1,841 |
| Equity capital to assets | 9.2485% | 4,775 |
| Core capital (leverage) ratio | 8.4831% | 5,302 |
| Tier 1 risk-based capital ratio | 13.5529% | 3,791 |
| Total risk-based capital ratio | 14.6269% | 3,839 |
| Memoranda: | ||
| Average total assets | $173,853,000 | 3,536 |
| Average earning assets | $156,543,400 | 3,585 |
| Average equity | $15,116,000 | 4,043 |
| Average total loans | $114,330,800 | 3,604 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3742% | 974 |
| Cost of funding earning assets | 1.7063% | 4,862 |
| Net interest margin | 4.6679% | 883 |
| Noninterest income to average assets | 0.9085% | 1,948 |
| Noninterest expense to average assets | 4.6736% | 626 |
| Loan and lease loss provision to assets | 0.6643% | 2,749 |
| Net operating income to assets | -0.2349% | 6,117 |
| Return on assets (ROA) | -0.2349% | 6,125 |
| Pretax return on assets | -0.2349% | 6,030 |
| Return on Equity (ROE) | -2.7475% | 6,206 |
| Retained earnings to average equity (ytd only) | -4.4613% | 6,181 |
| Net charge-offs to loans | 1.3637% | 1,507 |
| Credit loss provision to net charge-offs | 72.8741% | 5,925 |
| Earnings coverage of net charge-offs (x) | 0.4711% | 5,560 |
| Efficiency ratio | 91.5844% | 1,573 |
| Assets per employee ($millions) | 2.4092% | 7,369 |
| Cash dividends to net income (ytd only)* | -62.3753% | 7,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,645 |
| Loan loss allowance to noncurrent loans | 67.1709% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.4533% | 4,209 |
| Noncurrent loans to loans | 1.6573% | 4,154 |
| Net loans and leases to total assets | 58.9437% | 5,746 |
| Net loans and leases to deposits | 65.1074% | 6,389 |
| Net loans and leases to core deposits | 86.8834% | 5,773 |
| Total domestic deposits to total assets | 90.5330% | 575 |
| Equity capital to assets | 8.8045% | 5,784 |
| Core capital (leverage) ratio | 8.2189% | 5,982 |
| Tier 1 risk-based capital ratio | 13.4678% | 3,873 |
| Total risk-based capital ratio | 14.5583% | 3,929 |
| Memoranda: | ||
| Average total assets | $171,998,250 | 3,593 |
| Average earning assets | $154,556,750 | 3,645 |
| Average equity | $14,703,750 | 4,147 |
| Average total loans | $114,980,000 | 3,613 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4744% | 868 |
| Cost of funding earning assets | 1.8099% | 4,711 |
| Net interest margin | 4.6645% | 850 |
| Noninterest income to average assets | 0.9509% | 1,756 |
| Noninterest expense to average assets | 4.4790% | 793 |
| Loan and lease loss provision to assets | 0.4400% | 3,355 |
| Net operating income to assets | 0.1987% | 5,267 |
| Return on assets (ROA) | 0.1987% | 5,348 |
| Pretax return on assets | 0.1987% | 5,469 |
| Return on Equity (ROE) | 2.3493% | 5,159 |
| Retained earnings to average equity (ytd only) | 0.5873% | 4,957 |
| Net charge-offs to loans | 0.9012% | 1,898 |
| Credit loss provision to net charge-offs | 70.3214% | 5,410 |
| Earnings coverage of net charge-offs (x) | 1.0208% | 4,765 |
| Efficiency ratio | 87.5202% | 2,071 |
| Assets per employee ($millions) | 2.3634% | 7,479 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 4,907 |
| Loan loss allowance to noncurrent loans | 77.9817% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 2.0098% | 3,183 |
| Noncurrent loans to loans | 1.5435% | 4,181 |
| Net loans and leases to total assets | 62.1502% | 5,334 |
| Net loans and leases to deposits | 68.1117% | 6,177 |
| Net loans and leases to core deposits | 93.1028% | 5,228 |
| Total domestic deposits to total assets | 91.2475% | 392 |
| Equity capital to assets | 8.1534% | 6,554 |
| Core capital (leverage) ratio | 7.8541% | 6,546 |
| Tier 1 risk-based capital ratio | 12.1830% | 4,769 |
| Total risk-based capital ratio | 13.3716% | 4,732 |
| Memoranda: | ||
| Average total assets | $169,100,670 | 3,665 |
| Average earning assets | $151,055,670 | 3,724 |
| Average equity | $14,302,000 | 4,239 |
| Average total loans | $117,405,000 | 3,596 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6970% | 582 |
| Cost of funding earning assets | 1.8757% | 4,764 |
| Net interest margin | 4.8213% | 582 |
| Noninterest income to average assets | 1.0278% | 1,412 |
| Noninterest expense to average assets | 4.5361% | 686 |
| Loan and lease loss provision to assets | 0.4321% | 2,766 |
| Net operating income to assets | 0.3394% | 5,117 |
| Return on assets (ROA) | 0.3394% | 5,301 |
| Pretax return on assets | 0.3394% | 5,557 |
| Return on Equity (ROE) | 3.9348% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.1514% | 4,675 |
| Net charge-offs to loans | 0.8929% | 1,467 |
| Credit loss provision to net charge-offs | 66.2921% | 4,413 |
| Earnings coverage of net charge-offs (x) | 1.1835% | 4,160 |
| Efficiency ratio | 85.4646% | 2,135 |
| Assets per employee ($millions) | 2.1402% | 7,772 |
| Cash dividends to net income (ytd only)* | 45.3237% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,708 |
| Loan loss allowance to noncurrent loans | 44.5103% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 2.9501% | 1,919 |
| Noncurrent loans to loans | 2.7266% | 2,406 |
| Net loans and leases to total assets | 67.8412% | 4,177 |
| Net loans and leases to deposits | 74.4583% | 5,424 |
| Net loans and leases to core deposits | 98.7284% | 4,675 |
| Total domestic deposits to total assets | 91.1130% | 378 |
| Equity capital to assets | 8.2971% | 6,399 |
| Core capital (leverage) ratio | 8.2082% | 6,082 |
| Tier 1 risk-based capital ratio | 11.5274% | 5,387 |
| Total risk-based capital ratio | 12.7573% | 5,302 |
| Memoranda: | ||
| Average total assets | $163,842,000 | 3,765 |
| Average earning assets | $145,438,500 | 3,841 |
| Average equity | $14,130,500 | 4,307 |
| Average total loans | $119,611,000 | 3,569 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8085% | 245 |
| Cost of funding earning assets | 2.6443% | 3,466 |
| Net interest margin | 5.1642% | 363 |
| Noninterest income to average assets | 0.9222% | 1,883 |
| Noninterest expense to average assets | 4.5520% | 844 |
| Loan and lease loss provision to assets | 0.8885% | 1,679 |
| Net operating income to assets | 0.0721% | 6,176 |
| Return on assets (ROA) | 0.0818% | 5,994 |
| Pretax return on assets | 0.0818% | 5,983 |
| Return on Equity (ROE) | 0.9825% | 5,924 |
| Retained earnings to average equity (ytd only) | -1.0042% | 5,601 |
| Net charge-offs to loans | 1.6343% | 688 |
| Credit loss provision to net charge-offs | 67.7982% | 6,110 |
| Earnings coverage of net charge-offs (x) | 0.7330% | 5,783 |
| Efficiency ratio | 82.5736% | 2,229 |
| Assets per employee ($millions) | 1.8852% | 7,997 |
| Cash dividends to net income (ytd only)* | 202.2059% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,176 |
| Loan loss allowance to noncurrent loans | 43.6045% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 3.2134% | 1,423 |
| Noncurrent loans to loans | 2.8601% | 1,890 |
| Net loans and leases to total assets | 76.7716% | 2,436 |
| Net loans and leases to deposits | 84.8794% | 4,276 |
| Net loans and leases to core deposits | 111.0790% | 3,671 |
| Total domestic deposits to total assets | 90.4479% | 512 |
| Equity capital to assets | 8.9827% | 5,388 |
| Core capital (leverage) ratio | 8.5350% | 5,509 |
| Tier 1 risk-based capital ratio | 11.4680% | 5,267 |
| Total risk-based capital ratio | 12.7210% | 5,159 |
| Memoranda: | ||
| Average total assets | $166,343,600 | 3,607 |
| Average earning assets | $147,865,200 | 3,694 |
| Average equity | $13,842,400 | 4,377 |
| Average total loans | $133,394,400 | 3,210 |