Home > Lindell Bank & Trust Company > Performance and Condition Ratios
Lindell Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 2,492 |
| Cost of funding earning assets | 0.7101% | 3,918 |
| Net interest margin | 4.0799% | 1,093 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.3983% | 2,600 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.7379% | 683 |
| Return on assets (ROA) | 1.7379% | 652 |
| Pretax return on assets | 1.7379% | 992 |
| Return on Equity (ROE) | 11.5900% | 2,066 |
| Retained earnings to average equity (ytd only) | 7.0045% | 1,894 |
| Net charge-offs to loans | 0.2392% | 448 |
| Credit loss provision to net charge-offs | -33.8178% | 4,450 |
| Earnings coverage of net charge-offs (x) | 14.4186% | 2,080 |
| Efficiency ratio | 50.5035% | 3,946 |
| Assets per employee ($millions) | 6.2539% | 2,587 |
| Cash dividends to net income (ytd only)* | 39.5714% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1584% | 104 |
| Loan loss allowance to noncurrent loans | 1,864.1092% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 2,940 |
| Noncurrent loans to loans | 0.1694% | 2,673 |
| Net loans and leases to total assets | 50.5600% | 3,562 |
| Net loans and leases to deposits | 65.9350% | 3,172 |
| Net loans and leases to core deposits | 68.3943% | 3,380 |
| Total domestic deposits to total assets | 76.6800% | 3,875 |
| Equity capital to assets | 15.4707% | 511 |
| Core capital (leverage) ratio | 15.2247% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $861,843,000 | 1,118 |
| Average earning assets | $798,344,800 | 1,107 |
| Average equity | $129,217,400 | 769 |
| Average total loans | $431,434,200 | 1,393 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 2,506 |
| Cost of funding earning assets | 0.6310% | 3,916 |
| Net interest margin | 4.0514% | 1,148 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.3783% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7484% | 729 |
| Return on assets (ROA) | 1.7484% | 715 |
| Pretax return on assets | 1.7484% | 1,084 |
| Return on Equity (ROE) | 11.7600% | 2,190 |
| Retained earnings to average equity (ytd only) | 5.5771% | 2,756 |
| Net charge-offs to loans | -0.0009% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.9079% | 3,918 |
| Assets per employee ($millions) | 6.2899% | 2,501 |
| Cash dividends to net income (ytd only)* | 52.5583% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6125% | 72 |
| Loan loss allowance to noncurrent loans | 810.3239% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 2,013 |
| Noncurrent loans to loans | 0.4458% | 1,711 |
| Net loans and leases to total assets | 49.5800% | 3,647 |
| Net loans and leases to deposits | 59.2503% | 3,544 |
| Net loans and leases to core deposits | 61.2268% | 3,644 |
| Total domestic deposits to total assets | 83.6800% | 2,864 |
| Equity capital to assets | 15.1668% | 517 |
| Core capital (leverage) ratio | 14.7943% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $859,980,250 | 1,123 |
| Average earning assets | $796,345,000 | 1,109 |
| Average equity | $127,900,250 | 773 |
| Average total loans | $425,826,000 | 1,401 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5647% | 2,494 |
| Cost of funding earning assets | 0.5368% | 3,912 |
| Net interest margin | 4.0280% | 1,197 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.3582% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7447% | 721 |
| Return on assets (ROA) | 1.7447% | 724 |
| Pretax return on assets | 1.7447% | 1,125 |
| Return on Equity (ROE) | 11.8100% | 2,211 |
| Retained earnings to average equity (ytd only) | 4.8059% | 2,992 |
| Net charge-offs to loans | -0.0005% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.5461% | 3,963 |
| Assets per employee ($millions) | 6.3199% | 2,456 |
| Cash dividends to net income (ytd only)* | 59.3037% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7622% | 71 |
| Loan loss allowance to noncurrent loans | 741.8906% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 1,862 |
| Noncurrent loans to loans | 0.5071% | 1,445 |
| Net loans and leases to total assets | 47.3000% | 3,724 |
| Net loans and leases to deposits | 56.1924% | 3,632 |
| Net loans and leases to core deposits | 57.7626% | 3,730 |
| Total domestic deposits to total assets | 84.1800% | 2,786 |
| Equity capital to assets | 14.8593% | 538 |
| Core capital (leverage) ratio | 14.4830% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $859,401,000 | 1,115 |
| Average earning assets | $795,141,000 | 1,104 |
| Average equity | $126,968,667 | 769 |
| Average total loans | $420,021,000 | 1,403 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 2,396 |
| Cost of funding earning assets | 0.4304% | 3,880 |
| Net interest margin | 4.0375% | 1,198 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.3512% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7577% | 736 |
| Return on assets (ROA) | 1.7577% | 729 |
| Pretax return on assets | 1.7577% | 1,154 |
| Return on Equity (ROE) | 11.9100% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.7003% | 2,313 |
| Net charge-offs to loans | 0.0010% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 3,755.0000% | 18 |
| Efficiency ratio | 48.7469% | 4,044 |
| Assets per employee ($millions) | 6.2304% | 2,555 |
| Cash dividends to net income (ytd only)* | 35.3395% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4880% | 51 |
| Loan loss allowance to noncurrent loans | 1,539.3522% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 2,367 |
| Noncurrent loans to loans | 0.2916% | 2,094 |
| Net loans and leases to total assets | 47.0600% | 3,706 |
| Net loans and leases to deposits | 56.0350% | 3,572 |
| Net loans and leases to core deposits | 57.2513% | 3,675 |
| Total domestic deposits to total assets | 83.9800% | 3,099 |
| Equity capital to assets | 14.8698% | 493 |
| Core capital (leverage) ratio | 14.3952% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $854,537,000 | 1,135 |
| Average earning assets | $790,879,500 | 1,127 |
| Average equity | $126,124,500 | 783 |
| Average total loans | $417,256,500 | 1,424 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 1,878 |
| Cost of funding earning assets | 0.0726% | 4,501 |
| Net interest margin | 3.8713% | 1,027 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.2842% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6584% | 597 |
| Return on assets (ROA) | 1.6584% | 566 |
| Pretax return on assets | 1.6584% | 1,019 |
| Return on Equity (ROE) | 11.7400% | 2,234 |
| Retained earnings to average equity (ytd only) | 4.7295% | 3,161 |
| Net charge-offs to loans | 0.0371% | 1,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 95.8200% | 991 |
| Efficiency ratio | 49.2318% | 4,176 |
| Assets per employee ($millions) | 5.9808% | 2,781 |
| Cash dividends to net income (ytd only)* | 59.7161% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0709% | 39 |
| Loan loss allowance to noncurrent loans | 1,179.8981% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 2,124 |
| Noncurrent loans to loans | 0.4298% | 1,636 |
| Net loans and leases to total assets | 45.9300% | 3,808 |
| Net loans and leases to deposits | 54.2481% | 3,669 |
| Net loans and leases to core deposits | 55.1863% | 3,757 |
| Total domestic deposits to total assets | 84.6700% | 3,067 |
| Equity capital to assets | 14.6476% | 511 |
| Core capital (leverage) ratio | 13.7382% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $866,663,800 | 1,118 |
| Average earning assets | $798,827,200 | 1,116 |
| Average equity | $122,423,200 | 798 |
| Average total loans | $404,352,200 | 1,382 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 1,776 |
| Cost of funding earning assets | 0.0469% | 4,590 |
| Net interest margin | 3.7487% | 1,039 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.2491% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5698% | 707 |
| Return on assets (ROA) | 1.5698% | 685 |
| Pretax return on assets | 1.5698% | 1,208 |
| Return on Equity (ROE) | 11.2100% | 2,297 |
| Retained earnings to average equity (ytd only) | 2.0361% | 4,023 |
| Net charge-offs to loans | -0.0238% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.9519% | 4,165 |
| Assets per employee ($millions) | 6.2633% | 2,526 |
| Cash dividends to net income (ytd only)* | 81.8430% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2056% | 37 |
| Loan loss allowance to noncurrent loans | 1,460.4022% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 2,466 |
| Noncurrent loans to loans | 0.3565% | 1,959 |
| Net loans and leases to total assets | 43.7300% | 3,893 |
| Net loans and leases to deposits | 51.1618% | 3,782 |
| Net loans and leases to core deposits | 51.9238% | 3,858 |
| Total domestic deposits to total assets | 85.4800% | 3,182 |
| Equity capital to assets | 13.8445% | 579 |
| Core capital (leverage) ratio | 13.1398% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $871,011,750 | 1,118 |
| Average earning assets | $802,150,500 | 1,113 |
| Average equity | $121,929,500 | 811 |
| Average total loans | $402,711,000 | 1,374 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 1,512 |
| Cost of funding earning assets | 0.0438% | 4,627 |
| Net interest margin | 3.6661% | 968 |
| Noninterest income to average assets | 0.3869% | 2,833 |
| Noninterest expense to average assets | 2.2256% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5327% | 648 |
| Return on assets (ROA) | 1.5327% | 629 |
| Pretax return on assets | 1.5327% | 1,096 |
| Return on Equity (ROE) | 10.9085% | 2,011 |
| Retained earnings to average equity (ytd only) | 0.3587% | 4,120 |
| Net charge-offs to loans | -0.0303% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1133% | 4,238 |
| Assets per employee ($millions) | 6.1174% | 2,638 |
| Cash dividends to net income (ytd only)* | 96.7117% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2838% | 38 |
| Loan loss allowance to noncurrent loans | 1,166.7406% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 1,774 |
| Noncurrent loans to loans | 0.4529% | 1,763 |
| Net loans and leases to total assets | 43.7423% | 3,855 |
| Net loans and leases to deposits | 51.2027% | 3,745 |
| Net loans and leases to core deposits | 51.8494% | 3,826 |
| Total domestic deposits to total assets | 85.4297% | 3,389 |
| Equity capital to assets | 13.8930% | 533 |
| Core capital (leverage) ratio | 12.9114% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $869,062,667 | 1,116 |
| Average earning assets | $799,206,333 | 1,124 |
| Average equity | $122,107,000 | 823 |
| Average total loans | $402,100,333 | 1,371 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 1,525 |
| Cost of funding earning assets | 0.0434% | 4,643 |
| Net interest margin | 3.5484% | 985 |
| Noninterest income to average assets | 0.4067% | 2,641 |
| Noninterest expense to average assets | 2.2070% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4619% | 689 |
| Return on assets (ROA) | 1.4619% | 686 |
| Pretax return on assets | 1.4619% | 1,098 |
| Return on Equity (ROE) | 10.3470% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.5948% | 1,702 |
| Net charge-offs to loans | -0.0495% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8561% | 4,267 |
| Assets per employee ($millions) | 6.2201% | 2,616 |
| Cash dividends to net income (ytd only)* | 26.5997% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3046% | 38 |
| Loan loss allowance to noncurrent loans | 1,551.4012% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 2,133 |
| Noncurrent loans to loans | 0.3419% | 2,256 |
| Net loans and leases to total assets | 42.8196% | 3,831 |
| Net loans and leases to deposits | 50.2632% | 3,714 |
| Net loans and leases to core deposits | 50.8885% | 3,821 |
| Total domestic deposits to total assets | 85.1908% | 3,500 |
| Equity capital to assets | 14.0975% | 512 |
| Core capital (leverage) ratio | 13.0784% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $872,317,000 | 1,109 |
| Average earning assets | $801,949,000 | 1,122 |
| Average equity | $123,243,000 | 839 |
| Average total loans | $403,976,000 | 1,359 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 2,301 |
| Cost of funding earning assets | 0.0829% | 4,513 |
| Net interest margin | 3.5497% | 1,604 |
| Noninterest income to average assets | 0.4669% | 2,743 |
| Noninterest expense to average assets | 2.3091% | 2,768 |
| Loan and lease loss provision to assets | -0.0456% | 4,332 |
| Net operating income to assets | 1.4610% | 1,103 |
| Return on assets (ROA) | 1.4610% | 1,169 |
| Pretax return on assets | 1.4610% | 1,849 |
| Return on Equity (ROE) | 10.9046% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.0193% | 1,198 |
| Net charge-offs to loans | -0.0773% | 4,504 |
| Credit loss provision to net charge-offs | 112.6761% | 1,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8886% | 4,049 |
| Assets per employee ($millions) | 6.2418% | 2,535 |
| Cash dividends to net income (ytd only)* | 17.2888% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1017% | 42 |
| Loan loss allowance to noncurrent loans | 1,616.8721% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 2,325 |
| Noncurrent loans to loans | 0.3155% | 2,457 |
| Net loans and leases to total assets | 44.9960% | 3,767 |
| Net loans and leases to deposits | 52.8273% | 3,678 |
| Net loans and leases to core deposits | 53.5341% | 3,790 |
| Total domestic deposits to total assets | 85.1756% | 3,215 |
| Equity capital to assets | 14.1593% | 635 |
| Core capital (leverage) ratio | 12.4007% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $876,539,800 | 1,067 |
| Average earning assets | $804,371,200 | 1,082 |
| Average equity | $117,437,000 | 887 |
| Average total loans | $459,206,200 | 1,242 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6412% | 2,448 |
| Cost of funding earning assets | 0.0940% | 4,547 |
| Net interest margin | 3.5472% | 1,739 |
| Noninterest income to average assets | 0.4631% | 2,780 |
| Noninterest expense to average assets | 2.3271% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3893% | 1,577 |
| Return on assets (ROA) | 1.3893% | 1,640 |
| Pretax return on assets | 1.3893% | 2,381 |
| Return on Equity (ROE) | 10.5174% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.0319% | 2,047 |
| Net charge-offs to loans | -0.0872% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5130% | 3,870 |
| Assets per employee ($millions) | 6.3323% | 2,390 |
| Cash dividends to net income (ytd only)* | 23.6322% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7542% | 44 |
| Loan loss allowance to noncurrent loans | 1,446.7797% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 2,446 |
| Noncurrent loans to loans | 0.3286% | 2,607 |
| Net loans and leases to total assets | 48.5717% | 3,566 |
| Net loans and leases to deposits | 56.6727% | 3,519 |
| Net loans and leases to core deposits | 57.3990% | 3,669 |
| Total domestic deposits to total assets | 85.7057% | 2,866 |
| Equity capital to assets | 13.5590% | 834 |
| Core capital (leverage) ratio | 12.0550% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $878,773,250 | 1,075 |
| Average earning assets | $805,986,500 | 1,087 |
| Average equity | $116,084,500 | 908 |
| Average total loans | $471,164,000 | 1,238 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6092% | 2,594 |
| Cost of funding earning assets | 0.1069% | 4,527 |
| Net interest margin | 3.5024% | 1,851 |
| Noninterest income to average assets | 0.4691% | 2,760 |
| Noninterest expense to average assets | 2.3650% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3132% | 1,825 |
| Return on assets (ROA) | 1.3132% | 1,896 |
| Pretax return on assets | 1.3132% | 2,594 |
| Return on Equity (ROE) | 10.0298% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.0663% | 2,408 |
| Net charge-offs to loans | -0.1116% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0919% | 3,658 |
| Assets per employee ($millions) | 6.2902% | 2,343 |
| Cash dividends to net income (ytd only)* | 29.5474% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4904% | 50 |
| Loan loss allowance to noncurrent loans | 1,709.3900% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 2,734 |
| Noncurrent loans to loans | 0.2627% | 2,999 |
| Net loans and leases to total assets | 51.4437% | 3,407 |
| Net loans and leases to deposits | 59.7002% | 3,414 |
| Net loans and leases to core deposits | 60.7668% | 3,564 |
| Total domestic deposits to total assets | 86.1700% | 2,681 |
| Equity capital to assets | 13.2268% | 884 |
| Core capital (leverage) ratio | 11.9277% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $878,299,333 | 1,076 |
| Average earning assets | $804,768,667 | 1,084 |
| Average equity | $114,997,333 | 905 |
| Average total loans | $478,596,667 | 1,230 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 2,263 |
| Cost of funding earning assets | 0.1133% | 4,560 |
| Net interest margin | 3.6241% | 1,521 |
| Noninterest income to average assets | 0.3197% | 3,490 |
| Noninterest expense to average assets | 2.2460% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4982% | 1,337 |
| Return on assets (ROA) | 1.4982% | 1,402 |
| Pretax return on assets | 1.4982% | 1,995 |
| Return on Equity (ROE) | 11.9733% | 2,024 |
| Retained earnings to average equity (ytd only) | 11.4645% | 1,279 |
| Net charge-offs to loans | -0.0716% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9899% | 3,993 |
| Assets per employee ($millions) | 6.1634% | 2,444 |
| Cash dividends to net income (ytd only)* | 4.2495% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9617% | 22 |
| Loan loss allowance to noncurrent loans | 1,967.4766% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 3,141 |
| Noncurrent loans to loans | 0.3538% | 2,813 |
| Net loans and leases to total assets | 43.8921% | 4,121 |
| Net loans and leases to deposits | 57.2045% | 3,700 |
| Net loans and leases to core deposits | 58.2635% | 3,816 |
| Total domestic deposits to total assets | 76.7283% | 4,539 |
| Equity capital to assets | 11.7009% | 1,436 |
| Core capital (leverage) ratio | 12.4307% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $590,570,000 | 1,469 |
| Average earning assets | $558,043,000 | 1,449 |
| Average equity | $73,898,000 | 1,295 |
| Average total loans | $301,826,500 | 1,736 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 2,595 |
| Cost of funding earning assets | 0.2153% | 4,529 |
| Net interest margin | 3.8309% | 1,417 |
| Noninterest income to average assets | 0.3631% | 3,295 |
| Noninterest expense to average assets | 2.5154% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4393% | 936 |
| Return on assets (ROA) | 1.4393% | 1,022 |
| Pretax return on assets | 1.4393% | 1,544 |
| Return on Equity (ROE) | 8.3086% | 2,685 |
| Retained earnings to average equity (ytd only) | -36.4961% | 4,983 |
| Net charge-offs to loans | -0.1402% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3111% | 4,063 |
| Assets per employee ($millions) | 5.1937% | 3,169 |
| Cash dividends to net income (ytd only)* | 539.2549% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9702% | 21 |
| Loan loss allowance to noncurrent loans | 1,962.4299% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 3,089 |
| Noncurrent loans to loans | 0.3552% | 2,927 |
| Net loans and leases to total assets | 51.8855% | 3,672 |
| Net loans and leases to deposits | 60.3552% | 3,728 |
| Net loans and leases to core deposits | 61.6755% | 3,847 |
| Total domestic deposits to total assets | 85.9670% | 2,379 |
| Equity capital to assets | 13.4767% | 934 |
| Core capital (leverage) ratio | 12.4991% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $538,954,200 | 1,458 |
| Average earning assets | $505,285,000 | 1,443 |
| Average equity | $93,360,600 | 1,027 |
| Average total loans | $299,657,400 | 1,685 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 3,126 |
| Cost of funding earning assets | 0.2361% | 4,549 |
| Net interest margin | 3.7098% | 1,911 |
| Noninterest income to average assets | 0.3584% | 3,318 |
| Noninterest expense to average assets | 2.4676% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3673% | 1,180 |
| Return on assets (ROA) | 1.3673% | 1,282 |
| Pretax return on assets | 1.3673% | 1,829 |
| Return on Equity (ROE) | 7.4771% | 3,023 |
| Retained earnings to average equity (ytd only) | -48.7733% | 5,014 |
| Net charge-offs to loans | -0.1845% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7865% | 3,946 |
| Assets per employee ($millions) | 5.3062% | 2,884 |
| Cash dividends to net income (ytd only)* | 752.2991% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4365% | 27 |
| Loan loss allowance to noncurrent loans | 1,013.6166% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 2,469 |
| Noncurrent loans to loans | 0.6350% | 2,207 |
| Net loans and leases to total assets | 56.3807% | 3,586 |
| Net loans and leases to deposits | 65.5622% | 3,655 |
| Net loans and leases to core deposits | 66.9371% | 3,830 |
| Total domestic deposits to total assets | 85.9956% | 2,069 |
| Equity capital to assets | 13.0471% | 1,161 |
| Core capital (leverage) ratio | 11.3529% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $538,656,000 | 1,438 |
| Average earning assets | $504,770,250 | 1,427 |
| Average equity | $98,502,250 | 967 |
| Average total loans | $299,257,750 | 1,681 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 3,106 |
| Cost of funding earning assets | 0.2613% | 4,591 |
| Net interest margin | 3.8167% | 1,786 |
| Noninterest income to average assets | 0.3611% | 3,320 |
| Noninterest expense to average assets | 2.4563% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4794% | 959 |
| Return on assets (ROA) | 1.4794% | 1,044 |
| Pretax return on assets | 1.4794% | 1,501 |
| Return on Equity (ROE) | 7.3805% | 2,978 |
| Retained earnings to average equity (ytd only) | 4.1337% | 2,846 |
| Net charge-offs to loans | -0.2728% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0584% | 4,171 |
| Assets per employee ($millions) | 5.4684% | 2,673 |
| Cash dividends to net income (ytd only)* | 43.9920% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5711% | 25 |
| Loan loss allowance to noncurrent loans | 939.2745% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 2,579 |
| Noncurrent loans to loans | 0.6996% | 2,128 |
| Net loans and leases to total assets | 51.4469% | 4,067 |
| Net loans and leases to deposits | 64.0690% | 3,878 |
| Net loans and leases to core deposits | 65.5047% | 3,988 |
| Total domestic deposits to total assets | 80.2992% | 3,772 |
| Equity capital to assets | 18.8120% | 244 |
| Core capital (leverage) ratio | 18.4449% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $537,798,000 | 1,423 |
| Average earning assets | $503,678,667 | 1,410 |
| Average equity | $107,798,000 | 894 |
| Average total loans | $290,296,667 | 1,706 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 2,489 |
| Cost of funding earning assets | 0.3216% | 4,590 |
| Net interest margin | 4.1131% | 1,110 |
| Noninterest income to average assets | 0.4427% | 2,831 |
| Noninterest expense to average assets | 2.5229% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7598% | 443 |
| Return on assets (ROA) | 1.7598% | 492 |
| Pretax return on assets | 1.7598% | 755 |
| Return on Equity (ROE) | 8.4870% | 2,319 |
| Retained earnings to average equity (ytd only) | 5.1280% | 2,218 |
| Net charge-offs to loans | -0.3640% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9216% | 4,614 |
| Assets per employee ($millions) | 4.6467% | 3,068 |
| Cash dividends to net income (ytd only)* | 39.5778% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5020% | 16 |
| Loan loss allowance to noncurrent loans | 1,470.9746% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 3,163 |
| Noncurrent loans to loans | 0.5100% | 2,741 |
| Net loans and leases to total assets | 49.7920% | 4,252 |
| Net loans and leases to deposits | 63.4654% | 4,012 |
| Net loans and leases to core deposits | 64.9632% | 4,131 |
| Total domestic deposits to total assets | 78.4553% | 4,146 |
| Equity capital to assets | 20.9808% | 203 |
| Core capital (leverage) ratio | 19.9773% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $516,874,000 | 1,427 |
| Average earning assets | $482,552,500 | 1,416 |
| Average equity | $107,175,500 | 897 |
| Average total loans | $275,853,000 | 1,734 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 2,393 |
| Cost of funding earning assets | 0.4336% | 4,326 |
| Net interest margin | 4.2443% | 1,223 |
| Noninterest income to average assets | 0.4798% | 2,855 |
| Noninterest expense to average assets | 2.5353% | 3,357 |
| Loan and lease loss provision to assets | -0.2197% | 5,123 |
| Net operating income to assets | 2.1147% | 266 |
| Return on assets (ROA) | 2.1147% | 279 |
| Pretax return on assets | 2.1147% | 464 |
| Return on Equity (ROE) | 10.8820% | 1,935 |
| Retained earnings to average equity (ytd only) | 6.2278% | 1,756 |
| Net charge-offs to loans | -0.3514% | 5,099 |
| Credit loss provision to net charge-offs | 118.3128% | 2,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6033% | 4,750 |
| Assets per employee ($millions) | 4.7088% | 2,938 |
| Cash dividends to net income (ytd only)* | 42.7694% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5086% | 12 |
| Loan loss allowance to noncurrent loans | 1,116.5491% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 2,793 |
| Noncurrent loans to loans | 0.6725% | 2,201 |
| Net loans and leases to total assets | 48.9378% | 4,373 |
| Net loans and leases to deposits | 62.1205% | 4,187 |
| Net loans and leases to core deposits | 63.3360% | 4,311 |
| Total domestic deposits to total assets | 78.7788% | 4,224 |
| Equity capital to assets | 20.4908% | 232 |
| Core capital (leverage) ratio | 19.5746% | 256 |
| Tier 1 risk-based capital ratio | 38.1617% | 271 |
| Total risk-based capital ratio | 39.4932% | 265 |
| Memoranda: | ||
| Average total assets | $523,530,400 | 1,368 |
| Average earning assets | $487,290,200 | 1,360 |
| Average equity | $101,736,800 | 889 |
| Average total loans | $276,638,000 | 1,706 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7543% | 2,260 |
| Cost of funding earning assets | 0.4500% | 4,326 |
| Net interest margin | 4.3043% | 1,159 |
| Noninterest income to average assets | 0.4887% | 2,803 |
| Noninterest expense to average assets | 2.5400% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9530% | 436 |
| Return on assets (ROA) | 1.9530% | 452 |
| Pretax return on assets | 1.9530% | 761 |
| Return on Equity (ROE) | 10.1868% | 2,357 |
| Retained earnings to average equity (ytd only) | 3.9136% | 3,447 |
| Net charge-offs to loans | -0.5188% | 5,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0361% | 4,798 |
| Assets per employee ($millions) | 4.6417% | 2,983 |
| Cash dividends to net income (ytd only)* | 61.5815% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8682% | 11 |
| Loan loss allowance to noncurrent loans | 1,235.0113% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 2,955 |
| Noncurrent loans to loans | 0.6371% | 2,377 |
| Net loans and leases to total assets | 49.6232% | 4,448 |
| Net loans and leases to deposits | 62.7256% | 4,252 |
| Net loans and leases to core deposits | 64.1520% | 4,357 |
| Total domestic deposits to total assets | 79.1115% | 4,165 |
| Equity capital to assets | 19.9379% | 260 |
| Core capital (leverage) ratio | 18.7939% | 304 |
| Tier 1 risk-based capital ratio | 36.8576% | 308 |
| Total risk-based capital ratio | 38.1954% | 298 |
| Memoranda: | ||
| Average total assets | $524,921,000 | 1,367 |
| Average earning assets | $488,333,000 | 1,362 |
| Average equity | $100,637,000 | 896 |
| Average total loans | $277,282,500 | 1,716 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8059% | 2,043 |
| Cost of funding earning assets | 0.4488% | 4,329 |
| Net interest margin | 4.3572% | 1,019 |
| Noninterest income to average assets | 0.5048% | 2,650 |
| Noninterest expense to average assets | 2.5281% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0282% | 369 |
| Return on assets (ROA) | 2.0282% | 389 |
| Pretax return on assets | 2.0282% | 647 |
| Return on Equity (ROE) | 10.7184% | 2,089 |
| Retained earnings to average equity (ytd only) | 1.2427% | 4,368 |
| Net charge-offs to loans | -0.7742% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1383% | 4,897 |
| Assets per employee ($millions) | 4.4021% | 3,283 |
| Cash dividends to net income (ytd only)* | 88.4055% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7803% | 9 |
| Loan loss allowance to noncurrent loans | 1,345.8076% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 3,103 |
| Noncurrent loans to loans | 0.5781% | 2,526 |
| Net loans and leases to total assets | 49.8110% | 4,482 |
| Net loans and leases to deposits | 64.4955% | 4,196 |
| Net loans and leases to core deposits | 66.2130% | 4,308 |
| Total domestic deposits to total assets | 77.2316% | 4,533 |
| Equity capital to assets | 19.2427% | 284 |
| Core capital (leverage) ratio | 18.0475% | 336 |
| Tier 1 risk-based capital ratio | 34.8455% | 342 |
| Total risk-based capital ratio | 36.1804% | 336 |
| Memoranda: | ||
| Average total assets | $528,151,000 | 1,360 |
| Average earning assets | $491,100,330 | 1,357 |
| Average equity | $99,940,670 | 900 |
| Average total loans | $277,207,000 | 1,725 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 1,748 |
| Cost of funding earning assets | 0.4364% | 4,341 |
| Net interest margin | 4.4178% | 860 |
| Noninterest income to average assets | 0.5919% | 2,081 |
| Noninterest expense to average assets | 2.4601% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2385% | 253 |
| Return on assets (ROA) | 2.2385% | 266 |
| Pretax return on assets | 2.2385% | 409 |
| Return on Equity (ROE) | 11.9279% | 1,560 |
| Retained earnings to average equity (ytd only) | 6.1441% | 2,388 |
| Net charge-offs to loans | -1.0351% | 5,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2918% | 5,053 |
| Assets per employee ($millions) | 4.4827% | 3,217 |
| Cash dividends to net income (ytd only)* | 48.4899% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7305% | 9 |
| Loan loss allowance to noncurrent loans | 1,438.9410% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 3,293 |
| Noncurrent loans to loans | 0.5372% | 2,699 |
| Net loans and leases to total assets | 48.4438% | 4,561 |
| Net loans and leases to deposits | 62.3433% | 4,286 |
| Net loans and leases to core deposits | 63.9574% | 4,382 |
| Total domestic deposits to total assets | 77.7049% | 4,566 |
| Equity capital to assets | 19.0597% | 281 |
| Core capital (leverage) ratio | 17.9511% | 341 |
| Tier 1 risk-based capital ratio | 35.5347% | 312 |
| Total risk-based capital ratio | 36.8694% | 303 |
| Memoranda: | ||
| Average total assets | $532,504,500 | 1,358 |
| Average earning assets | $494,994,000 | 1,353 |
| Average equity | $99,933,500 | 890 |
| Average total loans | $275,526,000 | 1,740 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 2,107 |
| Cost of funding earning assets | 0.2676% | 4,724 |
| Net interest margin | 4.3443% | 1,055 |
| Noninterest income to average assets | 0.3754% | 3,580 |
| Noninterest expense to average assets | 2.4954% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9081% | 436 |
| Return on assets (ROA) | 1.9081% | 430 |
| Pretax return on assets | 1.9081% | 704 |
| Return on Equity (ROE) | 10.5697% | 2,262 |
| Retained earnings to average equity (ytd only) | 5.7566% | 2,319 |
| Net charge-offs to loans | -0.2289% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1374% | 4,988 |
| Assets per employee ($millions) | 4.4302% | 3,269 |
| Cash dividends to net income (ytd only)* | 45.5368% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5936% | 10 |
| Loan loss allowance to noncurrent loans | 1,346.9176% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 2,701 |
| Noncurrent loans to loans | 0.5638% | 2,580 |
| Net loans and leases to total assets | 47.1186% | 4,690 |
| Net loans and leases to deposits | 60.1798% | 4,466 |
| Net loans and leases to core deposits | 61.9191% | 4,542 |
| Total domestic deposits to total assets | 78.2962% | 4,442 |
| Equity capital to assets | 18.4776% | 304 |
| Core capital (leverage) ratio | 17.6340% | 359 |
| Tier 1 risk-based capital ratio | 35.4629% | 308 |
| Total risk-based capital ratio | 36.7962% | 303 |
| Memoranda: | ||
| Average total assets | $533,098,000 | 1,326 |
| Average earning assets | $494,306,400 | 1,329 |
| Average equity | $96,237,200 | 882 |
| Average total loans | $274,306,800 | 1,704 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 2,109 |
| Cost of funding earning assets | 0.2467% | 4,806 |
| Net interest margin | 4.3116% | 1,091 |
| Noninterest income to average assets | 0.4541% | 3,140 |
| Noninterest expense to average assets | 2.4299% | 3,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0204% | 359 |
| Return on assets (ROA) | 2.0204% | 358 |
| Pretax return on assets | 2.0204% | 593 |
| Return on Equity (ROE) | 11.2585% | 2,066 |
| Retained earnings to average equity (ytd only) | 4.7940% | 3,351 |
| Net charge-offs to loans | -0.2559% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1383% | 5,091 |
| Assets per employee ($millions) | 4.4325% | 3,224 |
| Cash dividends to net income (ytd only)* | 57.4192% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6504% | 12 |
| Loan loss allowance to noncurrent loans | 967.9007% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 2,690 |
| Noncurrent loans to loans | 0.7904% | 2,126 |
| Net loans and leases to total assets | 46.8762% | 4,762 |
| Net loans and leases to deposits | 59.8757% | 4,556 |
| Net loans and leases to core deposits | 61.6806% | 4,631 |
| Total domestic deposits to total assets | 78.2891% | 4,440 |
| Equity capital to assets | 18.2401% | 316 |
| Core capital (leverage) ratio | 17.1622% | 402 |
| Tier 1 risk-based capital ratio | 34.6915% | 330 |
| Total risk-based capital ratio | 36.0248% | 323 |
| Memoranda: | ||
| Average total assets | $532,360,000 | 1,331 |
| Average earning assets | $493,417,000 | 1,330 |
| Average equity | $95,534,250 | 882 |
| Average total loans | $274,549,750 | 1,705 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 1,975 |
| Cost of funding earning assets | 0.2249% | 4,887 |
| Net interest margin | 4.3111% | 1,013 |
| Noninterest income to average assets | 0.4593% | 3,096 |
| Noninterest expense to average assets | 2.4120% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0424% | 346 |
| Return on assets (ROA) | 2.0424% | 343 |
| Pretax return on assets | 2.0424% | 552 |
| Return on Equity (ROE) | 11.4436% | 1,932 |
| Retained earnings to average equity (ytd only) | 4.1814% | 3,518 |
| Net charge-offs to loans | -0.2079% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6948% | 5,181 |
| Assets per employee ($millions) | 4.3704% | 3,320 |
| Cash dividends to net income (ytd only)* | 63.4608% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3454% | 15 |
| Loan loss allowance to noncurrent loans | 920.4238% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 2,664 |
| Noncurrent loans to loans | 0.7980% | 2,133 |
| Net loans and leases to total assets | 48.6958% | 4,674 |
| Net loans and leases to deposits | 61.7444% | 4,433 |
| Net loans and leases to core deposits | 63.7186% | 4,506 |
| Total domestic deposits to total assets | 78.8667% | 4,448 |
| Equity capital to assets | 18.0750% | 318 |
| Core capital (leverage) ratio | 16.7575% | 423 |
| Tier 1 risk-based capital ratio | 32.9982% | 373 |
| Total risk-based capital ratio | 34.3283% | 364 |
| Memoranda: | ||
| Average total assets | $532,515,000 | 1,334 |
| Average earning assets | $493,471,670 | 1,327 |
| Average equity | $95,039,670 | 884 |
| Average total loans | $276,070,670 | 1,708 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 1,946 |
| Cost of funding earning assets | 0.2173% | 4,913 |
| Net interest margin | 4.2570% | 1,030 |
| Noninterest income to average assets | 0.4342% | 3,211 |
| Noninterest expense to average assets | 2.4134% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9657% | 404 |
| Return on assets (ROA) | 1.9657% | 405 |
| Pretax return on assets | 1.9657% | 624 |
| Return on Equity (ROE) | 11.0840% | 1,936 |
| Retained earnings to average equity (ytd only) | 4.9047% | 3,226 |
| Net charge-offs to loans | -0.2675% | 5,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5556% | 5,212 |
| Assets per employee ($millions) | 4.4548% | 3,233 |
| Cash dividends to net income (ytd only)* | 55.7502% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4763% | 14 |
| Loan loss allowance to noncurrent loans | 843.5216% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 2,786 |
| Noncurrent loans to loans | 0.8863% | 2,057 |
| Net loans and leases to total assets | 47.4185% | 4,727 |
| Net loans and leases to deposits | 59.7847% | 4,488 |
| Net loans and leases to core deposits | 61.6859% | 4,571 |
| Total domestic deposits to total assets | 79.3154% | 4,527 |
| Equity capital to assets | 17.9786% | 317 |
| Core capital (leverage) ratio | 16.4714% | 434 |
| Tier 1 risk-based capital ratio | 33.0465% | 373 |
| Total risk-based capital ratio | 34.3774% | 361 |
| Memoranda: | ||
| Average total assets | $534,360,500 | 1,339 |
| Average earning assets | $495,184,000 | 1,338 |
| Average equity | $94,767,000 | 894 |
| Average total loans | $275,141,000 | 1,721 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 2,209 |
| Cost of funding earning assets | 0.2206% | 4,785 |
| Net interest margin | 4.1201% | 1,373 |
| Noninterest income to average assets | 0.4404% | 3,371 |
| Noninterest expense to average assets | 2.3794% | 4,131 |
| Loan and lease loss provision to assets | 0.0362% | 3,542 |
| Net operating income to assets | 1.8403% | 380 |
| Return on assets (ROA) | 1.8403% | 386 |
| Pretax return on assets | 1.8403% | 708 |
| Return on Equity (ROE) | 11.1101% | 1,434 |
| Retained earnings to average equity (ytd only) | 5.6866% | 1,714 |
| Net charge-offs to loans | 0.3735% | 677 |
| Credit loss provision to net charge-offs | 19.3798% | 3,617 |
| Earnings coverage of net charge-offs (x) | 10.0572% | 2,719 |
| Efficiency ratio | 48.3985% | 5,296 |
| Assets per employee ($millions) | 4.6034% | 3,022 |
| Cash dividends to net income (ytd only)* | 48.8162% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2248% | 12 |
| Loan loss allowance to noncurrent loans | 823.2311% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 2,892 |
| Noncurrent loans to loans | 0.8776% | 2,029 |
| Net loans and leases to total assets | 47.9886% | 4,768 |
| Net loans and leases to deposits | 59.7068% | 4,585 |
| Net loans and leases to core deposits | 61.8820% | 4,661 |
| Total domestic deposits to total assets | 80.3738% | 4,270 |
| Equity capital to assets | 17.4946% | 358 |
| Core capital (leverage) ratio | 15.9949% | 476 |
| Tier 1 risk-based capital ratio | 31.6751% | 396 |
| Total risk-based capital ratio | 33.0028% | 394 |
| Memoranda: | ||
| Average total assets | $553,121,600 | 1,277 |
| Average earning assets | $512,223,000 | 1,274 |
| Average equity | $91,619,000 | 893 |
| Average total loans | $276,330,200 | 1,679 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3389% | 2,146 |
| Cost of funding earning assets | 0.2258% | 4,772 |
| Net interest margin | 4.1130% | 1,360 |
| Noninterest income to average assets | 0.4378% | 3,422 |
| Noninterest expense to average assets | 2.3414% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9041% | 385 |
| Return on assets (ROA) | 1.9041% | 392 |
| Pretax return on assets | 1.9041% | 681 |
| Return on Equity (ROE) | 11.6537% | 1,441 |
| Retained earnings to average equity (ytd only) | 4.3707% | 3,300 |
| Net charge-offs to loans | 0.2722% | 792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 14.1225% | 2,316 |
| Efficiency ratio | 47.6704% | 5,360 |
| Assets per employee ($millions) | 4.7977% | 2,700 |
| Cash dividends to net income (ytd only)* | 62.4953% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5107% | 10 |
| Loan loss allowance to noncurrent loans | 718.2042% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 2,789 |
| Noncurrent loans to loans | 1.0458% | 1,851 |
| Net loans and leases to total assets | 47.1649% | 4,874 |
| Net loans and leases to deposits | 57.8040% | 4,770 |
| Net loans and leases to core deposits | 58.9904% | 4,869 |
| Total domestic deposits to total assets | 81.5946% | 3,895 |
| Equity capital to assets | 17.3634% | 390 |
| Core capital (leverage) ratio | 15.4405% | 587 |
| Tier 1 risk-based capital ratio | 30.9200% | 442 |
| Total risk-based capital ratio | 32.2496% | 442 |
| Memoranda: | ||
| Average total assets | $556,751,750 | 1,285 |
| Average earning assets | $515,419,750 | 1,280 |
| Average equity | $90,967,250 | 899 |
| Average total loans | $275,764,000 | 1,688 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 2,070 |
| Cost of funding earning assets | 0.2302% | 4,714 |
| Net interest margin | 4.0868% | 1,364 |
| Noninterest income to average assets | 0.4235% | 3,539 |
| Noninterest expense to average assets | 2.3087% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8987% | 375 |
| Return on assets (ROA) | 1.8987% | 384 |
| Pretax return on assets | 1.8987% | 655 |
| Return on Equity (ROE) | 11.8540% | 1,343 |
| Retained earnings to average equity (ytd only) | 3.5969% | 3,567 |
| Net charge-offs to loans | -0.0253% | 4,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4331% | 5,416 |
| Assets per employee ($millions) | 4.6478% | 2,867 |
| Cash dividends to net income (ytd only)* | 69.6568% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6380% | 11 |
| Loan loss allowance to noncurrent loans | 579.6521% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 2,456 |
| Noncurrent loans to loans | 1.3177% | 1,467 |
| Net loans and leases to total assets | 46.2913% | 4,939 |
| Net loans and leases to deposits | 58.8040% | 4,712 |
| Net loans and leases to core deposits | 60.2706% | 4,808 |
| Total domestic deposits to total assets | 78.7214% | 4,687 |
| Equity capital to assets | 16.6078% | 452 |
| Core capital (leverage) ratio | 14.7899% | 682 |
| Tier 1 risk-based capital ratio | 29.9664% | 467 |
| Total risk-based capital ratio | 31.2978% | 460 |
| Memoranda: | ||
| Average total assets | $564,821,000 | 1,275 |
| Average earning assets | $522,957,330 | 1,271 |
| Average equity | $90,467,000 | 908 |
| Average total loans | $277,161,670 | 1,679 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 1,677 |
| Cost of funding earning assets | 0.2339% | 4,681 |
| Net interest margin | 4.1560% | 1,079 |
| Noninterest income to average assets | 0.3878% | 3,753 |
| Noninterest expense to average assets | 2.2333% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9864% | 311 |
| Return on assets (ROA) | 1.9864% | 323 |
| Pretax return on assets | 1.9864% | 520 |
| Return on Equity (ROE) | 12.2608% | 1,168 |
| Retained earnings to average equity (ytd only) | 6.1469% | 2,258 |
| Net charge-offs to loans | -0.0015% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9440% | 5,567 |
| Assets per employee ($millions) | 4.9183% | 2,551 |
| Cash dividends to net income (ytd only)* | 49.8657% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5139% | 15 |
| Loan loss allowance to noncurrent loans | 689.6095% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 2,595 |
| Noncurrent loans to loans | 1.0896% | 1,881 |
| Net loans and leases to total assets | 48.4059% | 4,789 |
| Net loans and leases to deposits | 61.7006% | 4,454 |
| Net loans and leases to core deposits | 62.2630% | 4,636 |
| Total domestic deposits to total assets | 78.4529% | 4,916 |
| Equity capital to assets | 16.6010% | 421 |
| Core capital (leverage) ratio | 14.6243% | 685 |
| Tier 1 risk-based capital ratio | 28.6275% | 526 |
| Total risk-based capital ratio | 29.9583% | 512 |
| Memoranda: | ||
| Average total assets | $524,969,500 | 1,358 |
| Average earning assets | $484,028,500 | 1,362 |
| Average equity | $85,051,500 | 956 |
| Average total loans | $272,251,000 | 1,717 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 2,140 |
| Cost of funding earning assets | 0.2332% | 4,713 |
| Net interest margin | 4.0656% | 1,457 |
| Noninterest income to average assets | 0.3893% | 3,969 |
| Noninterest expense to average assets | 2.3833% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7422% | 496 |
| Return on assets (ROA) | 1.7603% | 499 |
| Pretax return on assets | 1.7603% | 869 |
| Return on Equity (ROE) | 11.2899% | 1,473 |
| Retained earnings to average equity (ytd only) | -10.7189% | 5,791 |
| Net charge-offs to loans | -0.0308% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5530% | 5,591 |
| Assets per employee ($millions) | 4.9400% | 2,457 |
| Cash dividends to net income (ytd only)* | 194.9421% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4059% | 12 |
| Loan loss allowance to noncurrent loans | 720.9088% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 3,017 |
| Noncurrent loans to loans | 1.0273% | 2,031 |
| Net loans and leases to total assets | 47.5911% | 4,922 |
| Net loans and leases to deposits | 60.2522% | 4,655 |
| Net loans and leases to core deposits | 60.9198% | 4,810 |
| Total domestic deposits to total assets | 78.9865% | 4,804 |
| Equity capital to assets | 15.8143% | 518 |
| Core capital (leverage) ratio | 14.0635% | 802 |
| Tier 1 risk-based capital ratio | 27.6796% | 584 |
| Total risk-based capital ratio | 29.0089% | 565 |
| Memoranda: | ||
| Average total assets | $524,523,400 | 1,313 |
| Average earning assets | $482,021,400 | 1,314 |
| Average equity | $81,781,000 | 971 |
| Average total loans | $276,209,000 | 1,635 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 2,466 |
| Cost of funding earning assets | 0.2322% | 4,772 |
| Net interest margin | 3.9821% | 1,705 |
| Noninterest income to average assets | 0.3868% | 4,011 |
| Noninterest expense to average assets | 2.4456% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5963% | 737 |
| Return on assets (ROA) | 1.6206% | 745 |
| Pretax return on assets | 1.6206% | 1,331 |
| Return on Equity (ROE) | 10.4320% | 1,896 |
| Retained earnings to average equity (ytd only) | -19.1466% | 5,911 |
| Net charge-offs to loans | -0.1638% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4600% | 5,533 |
| Assets per employee ($millions) | 5.1519% | 2,188 |
| Cash dividends to net income (ytd only)* | 283.5381% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1504% | 13 |
| Loan loss allowance to noncurrent loans | 694.9307% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 3,138 |
| Noncurrent loans to loans | 1.0289% | 2,190 |
| Net loans and leases to total assets | 49.3602% | 4,869 |
| Net loans and leases to deposits | 63.5023% | 4,525 |
| Net loans and leases to core deposits | 64.3790% | 4,709 |
| Total domestic deposits to total assets | 77.7297% | 4,958 |
| Equity capital to assets | 15.1628% | 696 |
| Core capital (leverage) ratio | 13.0944% | 1,152 |
| Tier 1 risk-based capital ratio | 24.7685% | 838 |
| Total risk-based capital ratio | 26.0954% | 813 |
| Memoranda: | ||
| Average total assets | $522,274,750 | 1,319 |
| Average earning assets | $479,405,500 | 1,327 |
| Average equity | $81,133,250 | 980 |
| Average total loans | $276,707,500 | 1,630 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,599 |
| Cost of funding earning assets | 0.2217% | 4,920 |
| Net interest margin | 3.9499% | 1,806 |
| Noninterest income to average assets | 0.3852% | 3,988 |
| Noninterest expense to average assets | 2.4974% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5123% | 871 |
| Return on assets (ROA) | 1.5491% | 849 |
| Pretax return on assets | 1.5491% | 1,531 |
| Return on Equity (ROE) | 9.8891% | 2,101 |
| Retained earnings to average equity (ytd only) | -31.4511% | 6,007 |
| Net charge-offs to loans | -0.1933% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4982% | 5,473 |
| Assets per employee ($millions) | 5.1686% | 2,121 |
| Cash dividends to net income (ytd only)* | 418.0385% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9876% | 15 |
| Loan loss allowance to noncurrent loans | 724.9469% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.5704% | 3,307 |
| Noncurrent loans to loans | 0.9639% | 2,351 |
| Net loans and leases to total assets | 50.7319% | 4,792 |
| Net loans and leases to deposits | 64.6226% | 4,446 |
| Net loans and leases to core deposits | 65.5625% | 4,642 |
| Total domestic deposits to total assets | 78.5050% | 4,896 |
| Equity capital to assets | 15.0761% | 713 |
| Core capital (leverage) ratio | 12.8373% | 1,220 |
| Tier 1 risk-based capital ratio | 23.4282% | 970 |
| Total risk-based capital ratio | 24.7518% | 937 |
| Memoranda: | ||
| Average total assets | $516,049,670 | 1,340 |
| Average earning assets | $473,531,670 | 1,344 |
| Average equity | $80,836,670 | 987 |
| Average total loans | $273,084,330 | 1,654 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 3,469 |
| Cost of funding earning assets | 0.1716% | 5,453 |
| Net interest margin | 3.7569% | 2,447 |
| Noninterest income to average assets | 0.3602% | 4,152 |
| Noninterest expense to average assets | 2.2252% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5840% | 720 |
| Return on assets (ROA) | 1.6592% | 665 |
| Pretax return on assets | 1.6592% | 1,159 |
| Return on Equity (ROE) | 10.3846% | 1,827 |
| Retained earnings to average equity (ytd only) | -58.7552% | 6,084 |
| Net charge-offs to loans | -0.0912% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3998% | 5,707 |
| Assets per employee ($millions) | 5.3734% | 1,950 |
| Cash dividends to net income (ytd only)* | 665.7920% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6549% | 25 |
| Loan loss allowance to noncurrent loans | 750.9441% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 3,091 |
| Noncurrent loans to loans | 0.8862% | 2,627 |
| Net loans and leases to total assets | 52.4214% | 4,590 |
| Net loans and leases to deposits | 65.6239% | 4,292 |
| Net loans and leases to core deposits | 66.5530% | 4,501 |
| Total domestic deposits to total assets | 79.8816% | 4,770 |
| Equity capital to assets | 15.0649% | 675 |
| Core capital (leverage) ratio | 14.8404% | 635 |
| Tier 1 risk-based capital ratio | 22.3435% | 1,111 |
| Total risk-based capital ratio | 23.6617% | 1,079 |
| Memoranda: | ||
| Average total assets | $505,305,000 | 1,372 |
| Average earning assets | $463,889,000 | 1,373 |
| Average equity | $80,735,000 | 986 |
| Average total loans | $263,031,000 | 1,704 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,395 |
| Cost of funding earning assets | 0.1722% | 5,519 |
| Net interest margin | 4.0749% | 1,474 |
| Noninterest income to average assets | 0.4151% | 3,925 |
| Noninterest expense to average assets | 2.3801% | 4,560 |
| Loan and lease loss provision to assets | 0.1294% | 1,858 |
| Net operating income to assets | 1.6503% | 630 |
| Return on assets (ROA) | 1.6503% | 649 |
| Pretax return on assets | 1.6503% | 1,112 |
| Return on Equity (ROE) | 9.8863% | 2,051 |
| Retained earnings to average equity (ytd only) | 5.6755% | 1,969 |
| Net charge-offs to loans | 0.1997% | 1,463 |
| Credit loss provision to net charge-offs | 131.2910% | 1,994 |
| Earnings coverage of net charge-offs (x) | 18.0613% | 2,037 |
| Efficiency ratio | 47.2296% | 5,871 |
| Assets per employee ($millions) | 4.6790% | 2,758 |
| Cash dividends to net income (ytd only)* | 42.5921% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1391% | 5 |
| Loan loss allowance to noncurrent loans | 2,247.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 4,623 |
| Noncurrent loans to loans | 0.4067% | 3,999 |
| Net loans and leases to total assets | 42.9706% | 5,351 |
| Net loans and leases to deposits | 56.6573% | 5,004 |
| Net loans and leases to core deposits | 57.1798% | 5,146 |
| Total domestic deposits to total assets | 75.8430% | 5,463 |
| Equity capital to assets | 17.0360% | 409 |
| Core capital (leverage) ratio | 14.7556% | 662 |
| Tier 1 risk-based capital ratio | 32.1369% | 428 |
| Total risk-based capital ratio | 33.4898% | 416 |
| Memoranda: | ||
| Average total assets | $463,797,400 | 1,451 |
| Average earning assets | $426,219,600 | 1,461 |
| Average equity | $77,420,200 | 982 |
| Average total loans | $228,809,200 | 1,867 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 2,409 |
| Cost of funding earning assets | 0.1732% | 5,602 |
| Net interest margin | 4.0754% | 1,477 |
| Noninterest income to average assets | 0.4198% | 3,933 |
| Noninterest expense to average assets | 2.3749% | 4,582 |
| Loan and lease loss provision to assets | 0.1152% | 1,959 |
| Net operating income to assets | 1.6708% | 663 |
| Return on assets (ROA) | 1.6708% | 686 |
| Pretax return on assets | 1.6708% | 1,187 |
| Return on Equity (ROE) | 10.0612% | 2,082 |
| Retained earnings to average equity (ytd only) | 4.4052% | 3,340 |
| Net charge-offs to loans | 0.0225% | 3,487 |
| Credit loss provision to net charge-offs | 1,025.6410% | 355 |
| Earnings coverage of net charge-offs (x) | 158.9448% | 439 |
| Efficiency ratio | 47.0641% | 5,917 |
| Assets per employee ($millions) | 4.7657% | 2,602 |
| Cash dividends to net income (ytd only)* | 56.2166% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2052% | 5 |
| Loan loss allowance to noncurrent loans | 1,327.3377% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 4,240 |
| Noncurrent loans to loans | 0.6935% | 3,244 |
| Net loans and leases to total assets | 43.1694% | 5,410 |
| Net loans and leases to deposits | 56.6965% | 5,088 |
| Net loans and leases to core deposits | 57.3833% | 5,228 |
| Total domestic deposits to total assets | 76.1411% | 5,468 |
| Equity capital to assets | 16.7555% | 464 |
| Core capital (leverage) ratio | 14.4463% | 750 |
| Tier 1 risk-based capital ratio | 30.2946% | 505 |
| Total risk-based capital ratio | 31.6457% | 494 |
| Memoranda: | ||
| Average total assets | $462,772,500 | 1,459 |
| Average earning assets | $424,815,000 | 1,470 |
| Average equity | $76,847,500 | 996 |
| Average total loans | $230,691,250 | 1,872 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 2,175 |
| Cost of funding earning assets | 0.1759% | 5,646 |
| Net interest margin | 4.1220% | 1,296 |
| Noninterest income to average assets | 0.4214% | 3,909 |
| Noninterest expense to average assets | 2.3713% | 4,655 |
| Loan and lease loss provision to assets | 0.1734% | 1,202 |
| Net operating income to assets | 1.6560% | 677 |
| Return on assets (ROA) | 1.6560% | 704 |
| Pretax return on assets | 1.6560% | 1,179 |
| Return on Equity (ROE) | 10.0028% | 2,069 |
| Retained earnings to average equity (ytd only) | 4.8705% | 2,945 |
| Net charge-offs to loans | -0.2826% | 6,105 |
| Credit loss provision to net charge-offs | -121.2121% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5015% | 6,021 |
| Assets per employee ($millions) | 4.7554% | 2,600 |
| Cash dividends to net income (ytd only)* | 51.3089% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0290% | 8 |
| Loan loss allowance to noncurrent loans | 1,315.4235% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 4,304 |
| Noncurrent loans to loans | 0.6864% | 3,428 |
| Net loans and leases to total assets | 45.9281% | 5,248 |
| Net loans and leases to deposits | 61.0831% | 4,767 |
| Net loans and leases to core deposits | 61.7587% | 4,958 |
| Total domestic deposits to total assets | 75.1895% | 5,686 |
| Equity capital to assets | 16.7937% | 436 |
| Core capital (leverage) ratio | 14.4973% | 713 |
| Tier 1 risk-based capital ratio | 29.8276% | 556 |
| Total risk-based capital ratio | 31.1810% | 540 |
| Memoranda: | ||
| Average total assets | $461,349,330 | 1,470 |
| Average earning assets | $422,996,330 | 1,486 |
| Average equity | $76,378,330 | 1,008 |
| Average total loans | $233,568,330 | 1,850 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 1,706 |
| Cost of funding earning assets | 0.1798% | 5,682 |
| Net interest margin | 4.2380% | 998 |
| Noninterest income to average assets | 0.4166% | 3,869 |
| Noninterest expense to average assets | 2.3503% | 4,740 |
| Loan and lease loss provision to assets | 0.2588% | 624 |
| Net operating income to assets | 1.6905% | 605 |
| Return on assets (ROA) | 1.6905% | 633 |
| Pretax return on assets | 1.6905% | 1,074 |
| Return on Equity (ROE) | 10.2841% | 1,880 |
| Retained earnings to average equity (ytd only) | 4.9846% | 3,063 |
| Net charge-offs to loans | -0.0238% | 5,127 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9950% | 6,144 |
| Assets per employee ($millions) | 4.6992% | 2,768 |
| Cash dividends to net income (ytd only)* | 51.5306% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7069% | 10 |
| Loan loss allowance to noncurrent loans | 1,033.1307% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 4,322 |
| Noncurrent loans to loans | 0.8428% | 3,138 |
| Net loans and leases to total assets | 46.4326% | 5,171 |
| Net loans and leases to deposits | 63.0601% | 4,476 |
| Net loans and leases to core deposits | 63.8039% | 4,713 |
| Total domestic deposits to total assets | 73.6324% | 5,932 |
| Equity capital to assets | 16.6142% | 477 |
| Core capital (leverage) ratio | 13.7187% | 898 |
| Tier 1 risk-based capital ratio | 25.3605% | 847 |
| Total risk-based capital ratio | 26.6971% | 823 |
| Memoranda: | ||
| Average total assets | $463,766,000 | 1,469 |
| Average earning assets | $424,915,500 | 1,487 |
| Average equity | $76,234,500 | 1,006 |
| Average total loans | $235,113,000 | 1,837 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 1,794 |
| Cost of funding earning assets | 0.2033% | 5,711 |
| Net interest margin | 4.3160% | 1,028 |
| Noninterest income to average assets | 0.4745% | 3,677 |
| Noninterest expense to average assets | 2.3280% | 5,033 |
| Loan and lease loss provision to assets | 0.3362% | 578 |
| Net operating income to assets | 1.7539% | 519 |
| Return on assets (ROA) | 1.7539% | 530 |
| Pretax return on assets | 1.7539% | 883 |
| Return on Equity (ROE) | 11.3393% | 1,612 |
| Retained earnings to average equity (ytd only) | 4.2281% | 3,180 |
| Net charge-offs to loans | -0.1042% | 6,121 |
| Credit loss provision to net charge-offs | -672.2689% | 5,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5264% | 6,335 |
| Assets per employee ($millions) | 4.7173% | 2,700 |
| Cash dividends to net income (ytd only)* | 62.7127% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5085% | 14 |
| Loan loss allowance to noncurrent loans | 2,173.1602% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 5,235 |
| Noncurrent loans to loans | 0.3915% | 4,469 |
| Net loans and leases to total assets | 46.2344% | 5,304 |
| Net loans and leases to deposits | 63.8865% | 4,536 |
| Net loans and leases to core deposits | 64.6423% | 4,782 |
| Total domestic deposits to total assets | 72.3697% | 6,059 |
| Equity capital to assets | 16.2646% | 506 |
| Core capital (leverage) ratio | 13.5339% | 961 |
| Tier 1 risk-based capital ratio | 28.3291% | 600 |
| Total risk-based capital ratio | 29.6784% | 581 |
| Memoranda: | ||
| Average total assets | $475,851,400 | 1,404 |
| Average earning assets | $434,799,000 | 1,412 |
| Average equity | $73,602,400 | 992 |
| Average total loans | $228,307,200 | 1,835 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 1,753 |
| Cost of funding earning assets | 0.2065% | 5,769 |
| Net interest margin | 4.3277% | 995 |
| Noninterest income to average assets | 0.4858% | 3,645 |
| Noninterest expense to average assets | 2.3162% | 5,065 |
| Loan and lease loss provision to assets | 0.3626% | 482 |
| Net operating income to assets | 1.7590% | 547 |
| Return on assets (ROA) | 1.7590% | 567 |
| Pretax return on assets | 1.7590% | 963 |
| Return on Equity (ROE) | 11.5172% | 1,622 |
| Retained earnings to average equity (ytd only) | 1.9594% | 5,081 |
| Net charge-offs to loans | -0.1808% | 6,290 |
| Credit loss provision to net charge-offs | -423.4528% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3069% | 6,386 |
| Assets per employee ($millions) | 4.7128% | 2,649 |
| Cash dividends to net income (ytd only)* | 82.9872% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5590% | 15 |
| Loan loss allowance to noncurrent loans | 1,764.3556% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 5,261 |
| Noncurrent loans to loans | 0.4851% | 4,453 |
| Net loans and leases to total assets | 44.9963% | 5,454 |
| Net loans and leases to deposits | 61.1011% | 4,835 |
| Net loans and leases to core deposits | 61.8048% | 5,045 |
| Total domestic deposits to total assets | 73.6424% | 6,044 |
| Equity capital to assets | 15.6644% | 611 |
| Core capital (leverage) ratio | 12.7857% | 1,270 |
| Tier 1 risk-based capital ratio | 27.2841% | 689 |
| Total risk-based capital ratio | 28.6328% | 666 |
| Memoranda: | ||
| Average total assets | $478,062,000 | 1,409 |
| Average earning assets | $436,559,000 | 1,413 |
| Average equity | $73,013,750 | 1,000 |
| Average total loans | $226,384,250 | 1,862 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 1,627 |
| Cost of funding earning assets | 0.2085% | 5,843 |
| Net interest margin | 4.3567% | 930 |
| Noninterest income to average assets | 0.5126% | 3,389 |
| Noninterest expense to average assets | 2.2576% | 5,262 |
| Loan and lease loss provision to assets | 0.4164% | 402 |
| Net operating income to assets | 1.8142% | 478 |
| Return on assets (ROA) | 1.8142% | 491 |
| Pretax return on assets | 1.8142% | 822 |
| Return on Equity (ROE) | 11.9790% | 1,428 |
| Retained earnings to average equity (ytd only) | 1.0090% | 5,352 |
| Net charge-offs to loans | -0.1247% | 6,211 |
| Credit loss provision to net charge-offs | -714.2857% | 5,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9427% | 6,480 |
| Assets per employee ($millions) | 4.5318% | 2,874 |
| Cash dividends to net income (ytd only)* | 91.5768% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4550% | 13 |
| Loan loss allowance to noncurrent loans | 4,906.8354% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 5,914 |
| Noncurrent loans to loans | 0.1723% | 5,491 |
| Net loans and leases to total assets | 44.5258% | 5,496 |
| Net loans and leases to deposits | 60.7742% | 4,805 |
| Net loans and leases to core deposits | 61.6551% | 4,995 |
| Total domestic deposits to total assets | 73.2644% | 6,167 |
| Equity capital to assets | 15.4739% | 622 |
| Core capital (leverage) ratio | 12.4303% | 1,430 |
| Tier 1 risk-based capital ratio | 26.8712% | 709 |
| Total risk-based capital ratio | 28.2179% | 692 |
| Memoranda: | ||
| Average total assets | $480,323,000 | 1,395 |
| Average earning assets | $438,310,330 | 1,406 |
| Average equity | $72,744,000 | 1,000 |
| Average total loans | $224,543,330 | 1,870 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,600 |
| Cost of funding earning assets | 0.2098% | 5,918 |
| Net interest margin | 4.3541% | 888 |
| Noninterest income to average assets | 0.5750% | 2,885 |
| Noninterest expense to average assets | 2.1797% | 5,511 |
| Loan and lease loss provision to assets | 0.4950% | 303 |
| Net operating income to assets | 1.8728% | 423 |
| Return on assets (ROA) | 1.8728% | 444 |
| Pretax return on assets | 1.8728% | 688 |
| Return on Equity (ROE) | 12.4981% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.5429% | 1,798 |
| Net charge-offs to loans | -0.0450% | 5,762 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9107% | 6,573 |
| Assets per employee ($millions) | 4.6055% | 2,807 |
| Cash dividends to net income (ytd only)* | 39.6476% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3957% | 19 |
| Loan loss allowance to noncurrent loans | 5,468.6957% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 6,046 |
| Noncurrent loans to loans | 0.1535% | 5,622 |
| Net loans and leases to total assets | 42.5686% | 5,620 |
| Net loans and leases to deposits | 59.5649% | 4,805 |
| Net loans and leases to core deposits | 60.4511% | 4,997 |
| Total domestic deposits to total assets | 71.4659% | 6,389 |
| Equity capital to assets | 15.2229% | 637 |
| Core capital (leverage) ratio | 12.3455% | 1,454 |
| Tier 1 risk-based capital ratio | 27.1961% | 699 |
| Total risk-based capital ratio | 28.5400% | 678 |
| Memoranda: | ||
| Average total assets | $484,829,000 | 1,392 |
| Average earning assets | $442,344,000 | 1,396 |
| Average equity | $72,651,000 | 1,000 |
| Average total loans | $222,196,500 | 1,885 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 3,328 |
| Cost of funding earning assets | 0.2347% | 6,061 |
| Net interest margin | 3.9714% | 2,034 |
| Noninterest income to average assets | 0.5764% | 3,237 |
| Noninterest expense to average assets | 1.9843% | 6,058 |
| Loan and lease loss provision to assets | 0.6104% | 405 |
| Net operating income to assets | 1.6069% | 679 |
| Return on assets (ROA) | 1.6069% | 700 |
| Pretax return on assets | 1.6069% | 1,149 |
| Return on Equity (ROE) | 11.2264% | 1,693 |
| Retained earnings to average equity (ytd only) | 5.1931% | 2,479 |
| Net charge-offs to loans | 0.4861% | 1,370 |
| Credit loss provision to net charge-offs | 280.3738% | 808 |
| Earnings coverage of net charge-offs (x) | 10.1841% | 2,409 |
| Efficiency ratio | 44.6269% | 6,599 |
| Assets per employee ($millions) | 4.6738% | 2,624 |
| Cash dividends to net income (ytd only)* | 53.7419% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3042% | 18 |
| Loan loss allowance to noncurrent loans | 3,677.8226% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 6,031 |
| Noncurrent loans to loans | 0.2258% | 5,514 |
| Net loans and leases to total assets | 41.4400% | 5,856 |
| Net loans and leases to deposits | 57.6020% | 5,156 |
| Net loans and leases to core deposits | 58.5209% | 5,346 |
| Total domestic deposits to total assets | 71.9420% | 6,422 |
| Equity capital to assets | 14.7481% | 720 |
| Core capital (leverage) ratio | 11.9359% | 1,652 |
| Tier 1 risk-based capital ratio | 26.7380% | 708 |
| Total risk-based capital ratio | 28.0797% | 678 |
| Memoranda: | ||
| Average total assets | $491,457,800 | 1,352 |
| Average earning assets | $448,605,800 | 1,353 |
| Average equity | $70,343,200 | 1,016 |
| Average total loans | $220,102,400 | 1,861 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 3,712 |
| Cost of funding earning assets | 0.2386% | 6,168 |
| Net interest margin | 3.8730% | 2,373 |
| Noninterest income to average assets | 0.6004% | 3,146 |
| Noninterest expense to average assets | 1.9886% | 6,027 |
| Loan and lease loss provision to assets | 0.4870% | 570 |
| Net operating income to assets | 1.6607% | 668 |
| Return on assets (ROA) | 1.6607% | 703 |
| Pretax return on assets | 1.6607% | 1,182 |
| Return on Equity (ROE) | 11.6899% | 1,581 |
| Retained earnings to average equity (ytd only) | 3.6072% | 4,124 |
| Net charge-offs to loans | -0.2779% | 6,711 |
| Credit loss provision to net charge-offs | -392.1569% | 6,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4409% | 6,613 |
| Assets per employee ($millions) | 4.7704% | 2,477 |
| Cash dividends to net income (ytd only)* | 69.1431% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4287% | 16 |
| Loan loss allowance to noncurrent loans | 1,484.4924% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 5,503 |
| Noncurrent loans to loans | 0.5678% | 4,788 |
| Net loans and leases to total assets | 41.0620% | 5,962 |
| Net loans and leases to deposits | 55.0206% | 5,454 |
| Net loans and leases to core deposits | 55.9462% | 5,626 |
| Total domestic deposits to total assets | 74.6303% | 6,319 |
| Equity capital to assets | 14.1892% | 912 |
| Core capital (leverage) ratio | 11.5933% | 1,959 |
| Tier 1 risk-based capital ratio | 25.7337% | 805 |
| Total risk-based capital ratio | 27.0771% | 787 |
| Memoranda: | ||
| Average total assets | $492,803,250 | 1,354 |
| Average earning assets | $449,903,500 | 1,361 |
| Average equity | $70,007,250 | 1,028 |
| Average total loans | $220,210,000 | 1,861 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,997 |
| Cost of funding earning assets | 0.2439% | 6,220 |
| Net interest margin | 3.7882% | 2,601 |
| Noninterest income to average assets | 0.4991% | 3,844 |
| Noninterest expense to average assets | 1.9619% | 6,109 |
| Loan and lease loss provision to assets | 0.4865% | 574 |
| Net operating income to assets | 1.5074% | 888 |
| Return on assets (ROA) | 1.5074% | 956 |
| Pretax return on assets | 1.5074% | 1,595 |
| Return on Equity (ROE) | 10.6072% | 1,962 |
| Retained earnings to average equity (ytd only) | 0.9643% | 5,518 |
| Net charge-offs to loans | 0.0055% | 4,787 |
| Credit loss provision to net charge-offs | 20,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 819.6667% | 41 |
| Efficiency ratio | 46.8382% | 6,596 |
| Assets per employee ($millions) | 4.6707% | 2,561 |
| Cash dividends to net income (ytd only)* | 90.9091% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7741% | 16 |
| Loan loss allowance to noncurrent loans | 960.8123% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 5,173 |
| Noncurrent loans to loans | 0.8091% | 4,293 |
| Net loans and leases to total assets | 43.1691% | 5,815 |
| Net loans and leases to deposits | 57.5961% | 5,198 |
| Net loans and leases to core deposits | 58.8961% | 5,355 |
| Total domestic deposits to total assets | 74.9513% | 6,364 |
| Equity capital to assets | 14.2148% | 901 |
| Core capital (leverage) ratio | 11.1077% | 2,253 |
| Tier 1 risk-based capital ratio | 24.4142% | 944 |
| Total risk-based capital ratio | 25.7492% | 920 |
| Memoranda: | ||
| Average total assets | $493,286,330 | 1,352 |
| Average earning assets | $450,129,330 | 1,356 |
| Average equity | $70,103,330 | 1,029 |
| Average total loans | $220,169,670 | 1,856 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 3,991 |
| Cost of funding earning assets | 0.2553% | 6,257 |
| Net interest margin | 3.7768% | 2,533 |
| Noninterest income to average assets | 0.4381% | 4,193 |
| Noninterest expense to average assets | 1.9352% | 6,216 |
| Loan and lease loss provision to assets | 0.4806% | 564 |
| Net operating income to assets | 1.4706% | 907 |
| Return on assets (ROA) | 1.4706% | 991 |
| Pretax return on assets | 1.4706% | 1,646 |
| Return on Equity (ROE) | 10.3491% | 1,931 |
| Retained earnings to average equity (ytd only) | 7.5307% | 1,930 |
| Net charge-offs to loans | -0.2867% | 6,768 |
| Credit loss provision to net charge-offs | -384.6154% | 5,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0322% | 6,651 |
| Assets per employee ($millions) | 4.6314% | 2,756 |
| Cash dividends to net income (ytd only)* | 27.2331% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8752% | 28 |
| Loan loss allowance to noncurrent loans | 884.8108% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 5,258 |
| Noncurrent loans to loans | 0.8900% | 4,356 |
| Net loans and leases to total assets | 41.0581% | 5,916 |
| Net loans and leases to deposits | 54.8035% | 5,375 |
| Net loans and leases to core deposits | 55.9942% | 5,521 |
| Total domestic deposits to total assets | 74.9187% | 6,463 |
| Equity capital to assets | 14.7006% | 826 |
| Core capital (leverage) ratio | 10.9999% | 2,266 |
| Tier 1 risk-based capital ratio | 25.6167% | 827 |
| Total risk-based capital ratio | 26.9522% | 807 |
| Memoranda: | ||
| Average total assets | $499,388,000 | 1,350 |
| Average earning assets | $455,938,000 | 1,346 |
| Average equity | $70,962,500 | 1,028 |
| Average total loans | $217,662,000 | 1,887 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 3,039 |
| Cost of funding earning assets | 0.3614% | 6,153 |
| Net interest margin | 4.2293% | 1,579 |
| Noninterest income to average assets | 0.4719% | 4,082 |
| Noninterest expense to average assets | 1.9855% | 6,358 |
| Loan and lease loss provision to assets | 1.3330% | 259 |
| Net operating income to assets | 0.9973% | 2,344 |
| Return on assets (ROA) | 0.9973% | 2,570 |
| Pretax return on assets | 0.9973% | 3,556 |
| Return on Equity (ROE) | 6.9577% | 3,668 |
| Retained earnings to average equity (ytd only) | 1.4060% | 5,171 |
| Net charge-offs to loans | 1.7255% | 478 |
| Credit loss provision to net charge-offs | 180.0107% | 1,460 |
| Earnings coverage of net charge-offs (x) | 3.1470% | 3,862 |
| Efficiency ratio | 43.5302% | 6,862 |
| Assets per employee ($millions) | 4.9756% | 2,255 |
| Cash dividends to net income (ytd only)* | 79.7925% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4623% | 37 |
| Loan loss allowance to noncurrent loans | 1,160.9964% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 5,699 |
| Noncurrent loans to loans | 0.6427% | 4,910 |
| Net loans and leases to total assets | 39.4708% | 6,207 |
| Net loans and leases to deposits | 53.9114% | 5,661 |
| Net loans and leases to core deposits | 55.1487% | 5,781 |
| Total domestic deposits to total assets | 73.2143% | 6,599 |
| Equity capital to assets | 13.7443% | 1,135 |
| Core capital (leverage) ratio | 10.6565% | 2,586 |
| Tier 1 risk-based capital ratio | 25.0474% | 847 |
| Total risk-based capital ratio | 26.3790% | 825 |
| Memoranda: | ||
| Average total assets | $502,634,800 | 1,325 |
| Average earning assets | $456,837,800 | 1,338 |
| Average equity | $72,049,200 | 978 |
| Average total loans | $215,700,400 | 1,878 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 2,855 |
| Cost of funding earning assets | 0.3874% | 6,190 |
| Net interest margin | 4.2996% | 1,459 |
| Noninterest income to average assets | 0.4678% | 4,155 |
| Noninterest expense to average assets | 2.0230% | 6,319 |
| Loan and lease loss provision to assets | 0.7197% | 698 |
| Net operating income to assets | 1.6274% | 797 |
| Return on assets (ROA) | 1.6274% | 878 |
| Pretax return on assets | 1.6274% | 1,484 |
| Return on Equity (ROE) | 11.2347% | 1,873 |
| Retained earnings to average equity (ytd only) | 9.3945% | 1,094 |
| Net charge-offs to loans | -0.0118% | 6,395 |
| Credit loss provision to net charge-offs | -14,210.5263% | 6,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8331% | 6,903 |
| Assets per employee ($millions) | 4.8344% | 2,396 |
| Cash dividends to net income (ytd only)* | 16.3800% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4946% | 34 |
| Loan loss allowance to noncurrent loans | 366.8419% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 4,435 |
| Noncurrent loans to loans | 2.0430% | 2,801 |
| Net loans and leases to total assets | 39.4094% | 6,327 |
| Net loans and leases to deposits | 53.2686% | 5,870 |
| Net loans and leases to core deposits | 54.5722% | 6,002 |
| Total domestic deposits to total assets | 73.9826% | 6,605 |
| Equity capital to assets | 14.9460% | 836 |
| Core capital (leverage) ratio | 11.5173% | 1,975 |
| Tier 1 risk-based capital ratio | 28.1659% | 644 |
| Total risk-based capital ratio | 29.5005% | 618 |
| Memoranda: | ||
| Average total assets | $500,173,000 | 1,350 |
| Average earning assets | $453,953,500 | 1,363 |
| Average equity | $72,452,250 | 978 |
| Average total loans | $214,977,250 | 1,898 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 2,862 |
| Cost of funding earning assets | 0.4112% | 6,211 |
| Net interest margin | 4.3033% | 1,470 |
| Noninterest income to average assets | 0.4679% | 4,148 |
| Noninterest expense to average assets | 2.0200% | 6,393 |
| Loan and lease loss provision to assets | 0.7210% | 736 |
| Net operating income to assets | 1.6255% | 796 |
| Return on assets (ROA) | 1.6255% | 885 |
| Pretax return on assets | 1.6255% | 1,475 |
| Return on Equity (ROE) | 11.3424% | 1,860 |
| Retained earnings to average equity (ytd only) | 9.9448% | 994 |
| Net charge-offs to loans | 0.0920% | 4,237 |
| Credit loss provision to net charge-offs | 1,818.1818% | 172 |
| Earnings coverage of net charge-offs (x) | 59.1717% | 643 |
| Efficiency ratio | 43.7941% | 6,963 |
| Assets per employee ($millions) | 4.6314% | 2,666 |
| Cash dividends to net income (ytd only)* | 12.3213% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8984% | 55 |
| Loan loss allowance to noncurrent loans | 385.4140% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 4,728 |
| Noncurrent loans to loans | 1.7899% | 3,232 |
| Net loans and leases to total assets | 40.5677% | 6,306 |
| Net loans and leases to deposits | 54.7469% | 5,795 |
| Net loans and leases to core deposits | 56.2497% | 5,920 |
| Total domestic deposits to total assets | 74.1004% | 6,673 |
| Equity capital to assets | 14.6388% | 876 |
| Core capital (leverage) ratio | 11.2498% | 2,088 |
| Tier 1 risk-based capital ratio | 26.5339% | 767 |
| Total risk-based capital ratio | 27.8595% | 753 |
| Memoranda: | ||
| Average total assets | $499,304,670 | 1,356 |
| Average earning assets | $452,352,000 | 1,365 |
| Average equity | $71,554,670 | 983 |
| Average total loans | $215,238,000 | 1,901 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 2,750 |
| Cost of funding earning assets | 0.4288% | 6,267 |
| Net interest margin | 4.3437% | 1,347 |
| Noninterest income to average assets | 0.4113% | 4,583 |
| Noninterest expense to average assets | 2.0094% | 6,443 |
| Loan and lease loss provision to assets | 0.7216% | 716 |
| Net operating income to assets | 1.6036% | 856 |
| Return on assets (ROA) | 1.6036% | 958 |
| Pretax return on assets | 1.6036% | 1,563 |
| Return on Equity (ROE) | 11.3120% | 1,901 |
| Retained earnings to average equity (ytd only) | 11.3120% | 960 |
| Net charge-offs to loans | -0.1234% | 6,862 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8772% | 6,997 |
| Assets per employee ($millions) | 4.4645% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7385% | 55 |
| Loan loss allowance to noncurrent loans | 285.5431% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 4,328 |
| Noncurrent loans to loans | 2.3599% | 2,739 |
| Net loans and leases to total assets | 40.3000% | 6,325 |
| Net loans and leases to deposits | 53.6494% | 5,847 |
| Net loans and leases to core deposits | 55.1391% | 5,975 |
| Total domestic deposits to total assets | 75.1174% | 6,631 |
| Equity capital to assets | 14.6044% | 833 |
| Core capital (leverage) ratio | 10.9370% | 2,307 |
| Tier 1 risk-based capital ratio | 26.4554% | 769 |
| Total risk-based capital ratio | 27.7789% | 748 |
| Memoranda: | ||
| Average total assets | $498,864,000 | 1,358 |
| Average earning assets | $450,580,500 | 1,371 |
| Average equity | $70,721,500 | 990 |
| Average total loans | $213,882,500 | 1,916 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 2,660 |
| Cost of funding earning assets | 0.5101% | 6,483 |
| Net interest margin | 4.5385% | 1,048 |
| Noninterest income to average assets | 0.4781% | 4,005 |
| Noninterest expense to average assets | 2.0901% | 6,509 |
| Loan and lease loss provision to assets | 1.8114% | 365 |
| Net operating income to assets | 0.6551% | 3,722 |
| Return on assets (ROA) | 0.6551% | 3,913 |
| Pretax return on assets | 0.6551% | 4,499 |
| Return on Equity (ROE) | 4.7520% | 4,502 |
| Retained earnings to average equity (ytd only) | 2.8027% | 4,248 |
| Net charge-offs to loans | 3.5383% | 214 |
| Credit loss provision to net charge-offs | 116.3385% | 2,785 |
| Earnings coverage of net charge-offs (x) | 1.5841% | 4,584 |
| Efficiency ratio | 43.5237% | 7,136 |
| Assets per employee ($millions) | 4.5235% | 2,871 |
| Cash dividends to net income (ytd only)* | 41.0210% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1860% | 81 |
| Loan loss allowance to noncurrent loans | 395.4330% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 5,189 |
| Noncurrent loans to loans | 1.5644% | 3,815 |
| Net loans and leases to total assets | 39.9144% | 6,549 |
| Net loans and leases to deposits | 54.1801% | 6,051 |
| Net loans and leases to core deposits | 55.7418% | 6,172 |
| Total domestic deposits to total assets | 73.6699% | 6,756 |
| Equity capital to assets | 13.7617% | 1,149 |
| Core capital (leverage) ratio | 10.3515% | 2,911 |
| Tier 1 risk-based capital ratio | 24.8002% | 887 |
| Total risk-based capital ratio | 26.1159% | 870 |
| Memoranda: | ||
| Average total assets | $502,362,600 | 1,334 |
| Average earning assets | $451,449,400 | 1,345 |
| Average equity | $69,254,800 | 972 |
| Average total loans | $221,065,800 | 1,868 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0925% | 2,638 |
| Cost of funding earning assets | 0.5289% | 6,582 |
| Net interest margin | 4.5636% | 1,016 |
| Noninterest income to average assets | 0.4572% | 4,242 |
| Noninterest expense to average assets | 2.1161% | 6,476 |
| Loan and lease loss provision to assets | 0.7181% | 1,334 |
| Net operating income to assets | 1.7261% | 591 |
| Return on assets (ROA) | 1.7261% | 647 |
| Pretax return on assets | 1.7261% | 1,088 |
| Return on Equity (ROE) | 12.5157% | 1,407 |
| Retained earnings to average equity (ytd only) | 9.9123% | 868 |
| Net charge-offs to loans | 1.2563% | 1,236 |
| Credit loss provision to net charge-offs | 128.8168% | 2,470 |
| Earnings coverage of net charge-offs (x) | 4.3845% | 3,084 |
| Efficiency ratio | 44.0511% | 7,142 |
| Assets per employee ($millions) | 4.5432% | 2,849 |
| Cash dividends to net income (ytd only)* | 20.8013% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8485% | 101 |
| Loan loss allowance to noncurrent loans | 135.4300% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.9077% | 3,257 |
| Noncurrent loans to loans | 4.3185% | 1,517 |
| Net loans and leases to total assets | 40.0531% | 6,623 |
| Net loans and leases to deposits | 55.5829% | 6,065 |
| Net loans and leases to core deposits | 57.7344% | 6,152 |
| Total domestic deposits to total assets | 72.0600% | 6,930 |
| Equity capital to assets | 14.3259% | 1,048 |
| Core capital (leverage) ratio | 11.0409% | 2,350 |
| Tier 1 risk-based capital ratio | 25.8214% | 851 |
| Total risk-based capital ratio | 27.1312% | 825 |
| Memoranda: | ||
| Average total assets | $501,296,000 | 1,343 |
| Average earning assets | $450,719,250 | 1,357 |
| Average equity | $69,138,250 | 978 |
| Average total loans | $222,444,250 | 1,871 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 2,643 |
| Cost of funding earning assets | 0.5475% | 6,675 |
| Net interest margin | 4.5601% | 995 |
| Noninterest income to average assets | 0.4363% | 4,373 |
| Noninterest expense to average assets | 2.1156% | 6,562 |
| Loan and lease loss provision to assets | 0.7218% | 1,299 |
| Net operating income to assets | 1.6937% | 610 |
| Return on assets (ROA) | 1.6937% | 657 |
| Pretax return on assets | 1.6937% | 1,067 |
| Return on Equity (ROE) | 12.4445% | 1,360 |
| Retained earnings to average equity (ytd only) | 10.2349% | 798 |
| Net charge-offs to loans | 0.1747% | 4,122 |
| Credit loss provision to net charge-offs | 918.3673% | 352 |
| Earnings coverage of net charge-offs (x) | 30.7347% | 902 |
| Efficiency ratio | 44.3097% | 7,222 |
| Assets per employee ($millions) | 4.5276% | 2,789 |
| Cash dividends to net income (ytd only)* | 17.7557% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2184% | 85 |
| Loan loss allowance to noncurrent loans | 129.8109% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 2.2452% | 2,921 |
| Noncurrent loans to loans | 4.7903% | 1,374 |
| Net loans and leases to total assets | 41.3646% | 6,637 |
| Net loans and leases to deposits | 55.9959% | 6,138 |
| Net loans and leases to core deposits | 58.0380% | 6,266 |
| Total domestic deposits to total assets | 73.8708% | 6,853 |
| Equity capital to assets | 14.2048% | 1,028 |
| Core capital (leverage) ratio | 10.8559% | 2,369 |
| Tier 1 risk-based capital ratio | 24.9653% | 906 |
| Total risk-based capital ratio | 26.2816% | 887 |
| Memoranda: | ||
| Average total assets | $498,781,330 | 1,346 |
| Average earning assets | $447,885,000 | 1,368 |
| Average equity | $67,885,670 | 996 |
| Average total loans | $224,437,000 | 1,876 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0175% | 3,025 |
| Cost of funding earning assets | 0.5715% | 6,721 |
| Net interest margin | 4.4460% | 1,183 |
| Noninterest income to average assets | 0.3927% | 4,766 |
| Noninterest expense to average assets | 2.1244% | 6,582 |
| Loan and lease loss provision to assets | 0.7212% | 1,177 |
| Net operating income to assets | 1.5490% | 779 |
| Return on assets (ROA) | 1.5490% | 817 |
| Pretax return on assets | 1.5490% | 1,301 |
| Return on Equity (ROE) | 11.6348% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.6348% | 794 |
| Net charge-offs to loans | -0.5908% | 7,431 |
| Credit loss provision to net charge-offs | -268.6567% | 5,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8972% | 7,209 |
| Assets per employee ($millions) | 4.3193% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9563% | 107 |
| Loan loss allowance to noncurrent loans | 154.2416% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.7650% | 3,620 |
| Noncurrent loans to loans | 3.8616% | 1,905 |
| Net loans and leases to total assets | 42.6185% | 6,568 |
| Net loans and leases to deposits | 57.6189% | 5,964 |
| Net loans and leases to core deposits | 59.7335% | 6,115 |
| Total domestic deposits to total assets | 73.9661% | 6,907 |
| Equity capital to assets | 13.7119% | 1,101 |
| Core capital (leverage) ratio | 10.2255% | 2,906 |
| Tier 1 risk-based capital ratio | 23.5482% | 1,018 |
| Total risk-based capital ratio | 24.8600% | 995 |
| Memoranda: | ||
| Average total assets | $499,153,500 | 1,352 |
| Average earning assets | $449,307,500 | 1,376 |
| Average equity | $66,456,000 | 1,009 |
| Average total loans | $226,820,000 | 1,882 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 3,136 |
| Cost of funding earning assets | 0.7975% | 6,579 |
| Net interest margin | 4.5013% | 1,221 |
| Noninterest income to average assets | 0.5370% | 3,908 |
| Noninterest expense to average assets | 2.0626% | 6,921 |
| Loan and lease loss provision to assets | 2.0200% | 650 |
| Net operating income to assets | 0.5070% | 4,062 |
| Return on assets (ROA) | 0.5070% | 4,223 |
| Pretax return on assets | 0.5070% | 4,596 |
| Return on Equity (ROE) | 3.9664% | 4,545 |
| Retained earnings to average equity (ytd only) | 3.3661% | 3,510 |
| Net charge-offs to loans | 2.9296% | 576 |
| Credit loss provision to net charge-offs | 143.9902% | 2,590 |
| Earnings coverage of net charge-offs (x) | 1.8013% | 4,365 |
| Efficiency ratio | 42.6959% | 7,446 |
| Assets per employee ($millions) | 4.3992% | 3,029 |
| Cash dividends to net income (ytd only)* | 15.1343% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2304% | 166 |
| Loan loss allowance to noncurrent loans | 155.8428% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.5509% | 3,985 |
| Noncurrent loans to loans | 3.3562% | 2,268 |
| Net loans and leases to total assets | 43.1778% | 6,771 |
| Net loans and leases to deposits | 57.2852% | 6,326 |
| Net loans and leases to core deposits | 59.2029% | 6,456 |
| Total domestic deposits to total assets | 75.3735% | 6,714 |
| Equity capital to assets | 12.9262% | 1,429 |
| Core capital (leverage) ratio | 9.5592% | 3,632 |
| Tier 1 risk-based capital ratio | 21.8369% | 1,199 |
| Total risk-based capital ratio | 23.1391% | 1,168 |
| Memoranda: | ||
| Average total assets | $521,274,600 | 1,282 |
| Average earning assets | $469,332,600 | 1,305 |
| Average equity | $66,635,200 | 1,006 |
| Average total loans | $249,621,400 | 1,763 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 2,915 |
| Cost of funding earning assets | 0.8646% | 6,528 |
| Net interest margin | 4.5294% | 1,194 |
| Noninterest income to average assets | 0.4578% | 4,505 |
| Noninterest expense to average assets | 2.0188% | 7,015 |
| Loan and lease loss provision to assets | 0.7947% | 1,912 |
| Net operating income to assets | 1.7187% | 599 |
| Return on assets (ROA) | 1.7187% | 653 |
| Pretax return on assets | 1.7187% | 1,079 |
| Return on Equity (ROE) | 13.4813% | 1,144 |
| Retained earnings to average equity (ytd only) | 12.6847% | 384 |
| Net charge-offs to loans | 0.5367% | 3,155 |
| Credit loss provision to net charge-offs | 305.6641% | 1,042 |
| Earnings coverage of net charge-offs (x) | 9.6670% | 1,994 |
| Efficiency ratio | 42.5378% | 7,512 |
| Assets per employee ($millions) | 4.4463% | 2,996 |
| Cash dividends to net income (ytd only)* | 5.9093% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4890% | 251 |
| Loan loss allowance to noncurrent loans | 127.1492% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7095% | 3,885 |
| Noncurrent loans to loans | 3.5305% | 2,232 |
| Net loans and leases to total assets | 45.1506% | 6,761 |
| Net loans and leases to deposits | 61.2020% | 6,195 |
| Net loans and leases to core deposits | 62.9771% | 6,378 |
| Total domestic deposits to total assets | 73.7730% | 6,950 |
| Equity capital to assets | 13.5668% | 1,323 |
| Core capital (leverage) ratio | 10.2669% | 2,959 |
| Tier 1 risk-based capital ratio | 22.2000% | 1,180 |
| Total risk-based capital ratio | 23.4925% | 1,139 |
| Memoranda: | ||
| Average total assets | $525,115,750 | 1,282 |
| Average earning assets | $472,372,750 | 1,312 |
| Average equity | $66,945,250 | 1,002 |
| Average total loans | $254,402,500 | 1,759 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5356% | 2,384 |
| Cost of funding earning assets | 0.9337% | 6,451 |
| Net interest margin | 4.6019% | 990 |
| Noninterest income to average assets | 0.4562% | 4,467 |
| Noninterest expense to average assets | 1.9817% | 7,144 |
| Loan and lease loss provision to assets | 0.6550% | 2,196 |
| Net operating income to assets | 1.9548% | 356 |
| Return on assets (ROA) | 1.9548% | 392 |
| Pretax return on assets | 1.9548% | 659 |
| Return on Equity (ROE) | 15.6607% | 745 |
| Retained earnings to average equity (ytd only) | 14.4474% | 282 |
| Net charge-offs to loans | 0.5102% | 2,999 |
| Credit loss provision to net charge-offs | 262.9179% | 1,445 |
| Earnings coverage of net charge-offs (x) | 10.4757% | 1,883 |
| Efficiency ratio | 41.6838% | 7,603 |
| Assets per employee ($millions) | 4.6519% | 2,646 |
| Cash dividends to net income (ytd only)* | 7.7474% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9625% | 390 |
| Loan loss allowance to noncurrent loans | 243.7531% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 5,466 |
| Noncurrent loans to loans | 1.6256% | 4,271 |
| Net loans and leases to total assets | 46.5193% | 6,742 |
| Net loans and leases to deposits | 61.6063% | 6,268 |
| Net loans and leases to core deposits | 64.4677% | 6,361 |
| Total domestic deposits to total assets | 75.5106% | 6,776 |
| Equity capital to assets | 13.2478% | 1,458 |
| Core capital (leverage) ratio | 9.7066% | 3,526 |
| Tier 1 risk-based capital ratio | 20.9809% | 1,341 |
| Total risk-based capital ratio | 22.2668% | 1,312 |
| Memoranda: | ||
| Average total assets | $528,229,670 | 1,290 |
| Average earning assets | $474,672,670 | 1,310 |
| Average equity | $65,935,670 | 1,007 |
| Average total loans | $257,930,000 | 1,766 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5322% | 2,446 |
| Cost of funding earning assets | 1.0532% | 6,125 |
| Net interest margin | 4.4790% | 1,190 |
| Noninterest income to average assets | 0.4538% | 4,432 |
| Noninterest expense to average assets | 1.8848% | 7,352 |
| Loan and lease loss provision to assets | 0.1722% | 4,800 |
| Net operating income to assets | 2.4255% | 169 |
| Return on assets (ROA) | 2.4255% | 187 |
| Pretax return on assets | 2.4255% | 281 |
| Return on Equity (ROE) | 20.0246% | 382 |
| Retained earnings to average equity (ytd only) | 20.0246% | 191 |
| Net charge-offs to loans | -0.1344% | 7,583 |
| Credit loss provision to net charge-offs | -261.3636% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0481% | 7,680 |
| Assets per employee ($millions) | 4.6320% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6059% | 502 |
| Loan loss allowance to noncurrent loans | 706.0139% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 6,586 |
| Noncurrent loans to loans | 0.5107% | 6,270 |
| Net loans and leases to total assets | 46.3574% | 6,809 |
| Net loans and leases to deposits | 64.1051% | 6,043 |
| Net loans and leases to core deposits | 66.7195% | 6,233 |
| Total domestic deposits to total assets | 72.3148% | 7,233 |
| Equity capital to assets | 12.5657% | 1,716 |
| Core capital (leverage) ratio | 9.1052% | 4,368 |
| Tier 1 risk-based capital ratio | 19.5967% | 1,606 |
| Total risk-based capital ratio | 20.8778% | 1,565 |
| Memoranda: | ||
| Average total assets | $534,165,500 | 1,308 |
| Average earning assets | $480,460,000 | 1,330 |
| Average equity | $64,700,500 | 1,031 |
| Average total loans | $261,836,500 | 1,791 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 5,023 |
| Cost of funding earning assets | 0.9655% | 7,273 |
| Net interest margin | 4.3648% | 1,533 |
| Noninterest income to average assets | 0.8083% | 2,367 |
| Noninterest expense to average assets | 1.9160% | 7,479 |
| Loan and lease loss provision to assets | 2.1381% | 987 |
| Net operating income to assets | 0.7003% | 2,932 |
| Return on assets (ROA) | 0.7003% | 3,001 |
| Pretax return on assets | 0.7003% | 3,570 |
| Return on Equity (ROE) | 4.2003% | 4,003 |
| Retained earnings to average equity (ytd only) | 2.8775% | 3,165 |
| Net charge-offs to loans | 2.8187% | 785 |
| Credit loss provision to net charge-offs | 136.5369% | 3,616 |
| Earnings coverage of net charge-offs (x) | 1.8126% | 4,367 |
| Efficiency ratio | 40.2991% | 7,853 |
| Assets per employee ($millions) | 4.5787% | 2,795 |
| Cash dividends to net income (ytd only)* | 31.4931% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2770% | 617 |
| Loan loss allowance to noncurrent loans | 1,434.9026% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 7,031 |
| Noncurrent loans to loans | 0.2284% | 6,859 |
| Net loans and leases to total assets | 48.2872% | 6,789 |
| Net loans and leases to deposits | 63.5934% | 6,321 |
| Net loans and leases to core deposits | 76.2164% | 6,383 |
| Total domestic deposits to total assets | 75.9312% | 6,693 |
| Equity capital to assets | 11.6694% | 2,206 |
| Core capital (leverage) ratio | 11.5609% | 1,884 |
| Tier 1 risk-based capital ratio | 17.4105% | 2,051 |
| Total risk-based capital ratio | 18.6880% | 2,000 |
| Memoranda: | ||
| Average total assets | $385,384,200 | 1,775 |
| Average earning assets | $348,423,800 | 1,792 |
| Average equity | $64,258,000 | 1,027 |
| Average total loans | $214,107,000 | 2,155 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7780% | 2,996 |
| Cost of funding earning assets | 1.0710% | 7,239 |
| Net interest margin | 4.7070% | 820 |
| Noninterest income to average assets | 0.6550% | 3,325 |
| Noninterest expense to average assets | 1.9269% | 7,502 |
| Loan and lease loss provision to assets | 0.0692% | 6,669 |
| Net operating income to assets | 2.9185% | 67 |
| Return on assets (ROA) | 2.9185% | 74 |
| Pretax return on assets | 2.9185% | 117 |
| Return on Equity (ROE) | 15.6707% | 694 |
| Retained earnings to average equity (ytd only) | 14.0185% | 191 |
| Net charge-offs to loans | 0.6287% | 2,795 |
| Credit loss provision to net charge-offs | 19.0678% | 6,580 |
| Earnings coverage of net charge-offs (x) | 8.2288% | 2,286 |
| Efficiency ratio | 39.2080% | 7,939 |
| Assets per employee ($millions) | 4.3786% | 3,074 |
| Cash dividends to net income (ytd only)* | 10.5430% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9862% | 673 |
| Loan loss allowance to noncurrent loans | 184.5332% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 4,752 |
| Noncurrent loans to loans | 1.6183% | 4,213 |
| Net loans and leases to total assets | 52.4722% | 6,562 |
| Net loans and leases to deposits | 79.7906% | 4,420 |
| Net loans and leases to core deposits | 90.2012% | 5,411 |
| Total domestic deposits to total assets | 65.7623% | 7,698 |
| Equity capital to assets | 18.7166% | 443 |
| Core capital (leverage) ratio | 16.6639% | 592 |
| Tier 1 risk-based capital ratio | 32.4336% | 461 |
| Total risk-based capital ratio | 33.7083% | 446 |
| Memoranda: | ||
| Average total assets | $346,659,250 | 1,978 |
| Average earning assets | $313,711,000 | 2,009 |
| Average equity | $64,560,500 | 1,039 |
| Average total loans | $200,202,000 | 2,321 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8229% | 2,944 |
| Cost of funding earning assets | 1.1479% | 7,251 |
| Net interest margin | 4.6751% | 838 |
| Noninterest income to average assets | 0.6069% | 3,639 |
| Noninterest expense to average assets | 1.7944% | 7,748 |
| Loan and lease loss provision to assets | 0.0704% | 6,495 |
| Net operating income to assets | 2.9718% | 60 |
| Return on assets (ROA) | 2.9718% | 67 |
| Pretax return on assets | 2.9718% | 104 |
| Return on Equity (ROE) | 15.9856% | 697 |
| Retained earnings to average equity (ytd only) | 14.5978% | 222 |
| Net charge-offs to loans | 0.4647% | 2,967 |
| Credit loss provision to net charge-offs | 25.6410% | 6,070 |
| Earnings coverage of net charge-offs (x) | 11.0855% | 1,938 |
| Efficiency ratio | 37.0999% | 8,058 |
| Assets per employee ($millions) | 4.1070% | 3,475 |
| Cash dividends to net income (ytd only)* | 8.6819% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1138% | 514 |
| Loan loss allowance to noncurrent loans | 214.9795% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 4,796 |
| Noncurrent loans to loans | 1.4484% | 4,325 |
| Net loans and leases to total assets | 56.6951% | 6,124 |
| Net loans and leases to deposits | 85.0167% | 3,726 |
| Net loans and leases to core deposits | 96.8354% | 4,808 |
| Total domestic deposits to total assets | 66.6871% | 7,699 |
| Equity capital to assets | 19.0423% | 457 |
| Core capital (leverage) ratio | 16.6264% | 662 |
| Tier 1 risk-based capital ratio | 30.3493% | 585 |
| Total risk-based capital ratio | 31.6257% | 564 |
| Memoranda: | ||
| Average total assets | $341,070,000 | 2,029 |
| Average earning assets | $308,573,670 | 2,065 |
| Average equity | $63,407,000 | 1,074 |
| Average total loans | $201,413,330 | 2,337 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8716% | 2,931 |
| Cost of funding earning assets | 1.2174% | 7,260 |
| Net interest margin | 4.6542% | 855 |
| Noninterest income to average assets | 0.5414% | 3,985 |
| Noninterest expense to average assets | 1.7741% | 7,729 |
| Loan and lease loss provision to assets | 0.0708% | 6,075 |
| Net operating income to assets | 2.8993% | 76 |
| Return on assets (ROA) | 2.8993% | 92 |
| Pretax return on assets | 2.8993% | 141 |
| Return on Equity (ROE) | 15.7910% | 854 |
| Retained earnings to average equity (ytd only) | 15.7910% | 356 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3943% | 8,093 |
| Assets per employee ($millions) | 4.1187% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3450% | 362 |
| Loan loss allowance to noncurrent loans | 404.4713% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 5,227 |
| Noncurrent loans to loans | 0.8270% | 5,378 |
| Net loans and leases to total assets | 57.2724% | 6,060 |
| Net loans and leases to deposits | 84.2517% | 3,940 |
| Net loans and leases to core deposits | 96.4559% | 4,916 |
| Total domestic deposits to total assets | 67.9777% | 7,598 |
| Equity capital to assets | 18.8352% | 511 |
| Core capital (leverage) ratio | 16.2562% | 748 |
| Tier 1 risk-based capital ratio | 29.5742% | 646 |
| Total risk-based capital ratio | 30.8542% | 628 |
| Memoranda: | ||
| Average total assets | $339,110,500 | 2,051 |
| Average earning assets | $306,220,000 | 2,082 |
| Average equity | $62,263,500 | 1,095 |
| Average total loans | $201,181,000 | 2,355 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4779% | 3,074 |
| Cost of funding earning assets | 1.8320% | 6,923 |
| Net interest margin | 4.6459% | 1,059 |
| Noninterest income to average assets | 0.9557% | 1,743 |
| Noninterest expense to average assets | 1.9327% | 7,561 |
| Loan and lease loss provision to assets | 2.1094% | 554 |
| Net operating income to assets | 1.1062% | 2,123 |
| Return on assets (ROA) | 1.1062% | 2,036 |
| Pretax return on assets | 1.0827% | 3,082 |
| Return on Equity (ROE) | 5.6815% | 4,080 |
| Retained earnings to average equity (ytd only) | -1.1547% | 5,644 |
| Net charge-offs to loans | 3.2111% | 265 |
| Credit loss provision to net charge-offs | 107.2268% | 5,004 |
| Earnings coverage of net charge-offs (x) | 1.6227% | 5,276 |
| Efficiency ratio | 37.7121% | 8,165 |
| Assets per employee ($millions) | 4.0535% | 3,404 |
| Cash dividends to net income (ytd only)* | 120.3234% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2802% | 343 |
| Loan loss allowance to noncurrent loans | 184.4315% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 3,375 |
| Noncurrent loans to loans | 1.7786% | 3,097 |
| Net loans and leases to total assets | 57.4488% | 6,280 |
| Net loans and leases to deposits | 87.9117% | 3,818 |
| Net loans and leases to core deposits | 98.2066% | 5,018 |
| Total domestic deposits to total assets | 65.3483% | 7,697 |
| Equity capital to assets | 17.8903% | 660 |
| Core capital (leverage) ratio | 15.5125% | 920 |
| Tier 1 risk-based capital ratio | 27.6220% | 781 |
| Total risk-based capital ratio | 28.9006% | 763 |
| Memoranda: | ||
| Average total assets | $324,267,200 | 2,064 |
| Average earning assets | $290,989,000 | 2,101 |
| Average equity | $63,135,000 | 1,062 |
| Average total loans | $198,655,200 | 2,313 |