Home > Lumbee Guaranty Bank > Performance and Condition Ratios
Lumbee Guaranty Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 4,038 |
| Cost of funding earning assets | 1.4652% | 3,419 |
| Net interest margin | 2.8732% | 3,361 |
| Noninterest income to average assets | 0.6400% | 1,366 |
| Noninterest expense to average assets | 2.4353% | 2,494 |
| Loan and lease loss provision to assets | -0.0600% | 4,293 |
| Net operating income to assets | 0.8419% | 2,571 |
| Return on assets (ROA) | 0.8419% | 2,580 |
| Pretax return on assets | 0.9271% | 2,731 |
| Return on Equity (ROE) | 9.8900% | 2,180 |
| Retained earnings to average equity (ytd only) | 7.3885% | 1,300 |
| Net charge-offs to loans | -0.0015% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 73.7937% | 1,580 |
| Assets per employee ($millions) | 5.5318% | 3,280 |
| Cash dividends to net income (ytd only)* | 25.2805% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 4,123 |
| Loan loss allowance to noncurrent loans | 177.7778% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 2,639 |
| Noncurrent loans to loans | 0.3675% | 2,156 |
| Net loans and leases to total assets | 41.6400% | 3,955 |
| Net loans and leases to deposits | 46.4592% | 4,017 |
| Net loans and leases to core deposits | 52.0799% | 3,965 |
| Total domestic deposits to total assets | 89.6400% | 930 |
| Equity capital to assets | 8.7791% | 2,988 |
| Core capital (leverage) ratio | 11.2167% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $518,709,600 | 1,724 |
| Average earning assets | $480,540,000 | 1,719 |
| Average equity | $44,163,000 | 1,859 |
| Average total loans | $205,401,000 | 2,328 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 4,073 |
| Cost of funding earning assets | 1.4672% | 3,417 |
| Net interest margin | 2.8223% | 3,417 |
| Noninterest income to average assets | 0.6300% | 1,368 |
| Noninterest expense to average assets | 2.3778% | 2,585 |
| Loan and lease loss provision to assets | -0.0500% | 4,301 |
| Net operating income to assets | 0.8398% | 2,560 |
| Return on assets (ROA) | 0.8398% | 2,579 |
| Pretax return on assets | 0.9239% | 2,753 |
| Return on Equity (ROE) | 9.9400% | 2,221 |
| Retained earnings to average equity (ytd only) | 8.3089% | 1,296 |
| Net charge-offs to loans | -0.0020% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 73.1698% | 1,677 |
| Assets per employee ($millions) | 5.6223% | 3,178 |
| Cash dividends to net income (ytd only)* | 16.4165% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7252% | 4,055 |
| Loan loss allowance to noncurrent loans | 214.6240% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,740 |
| Noncurrent loans to loans | 0.3379% | 2,259 |
| Net loans and leases to total assets | 40.3400% | 4,015 |
| Net loans and leases to deposits | 45.2181% | 4,080 |
| Net loans and leases to core deposits | 49.6023% | 4,057 |
| Total domestic deposits to total assets | 89.2200% | 824 |
| Equity capital to assets | 9.1006% | 2,961 |
| Core capital (leverage) ratio | 11.0273% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $518,390,750 | 1,721 |
| Average earning assets | $480,359,000 | 1,720 |
| Average equity | $43,791,250 | 1,872 |
| Average total loans | $202,258,750 | 2,342 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 4,084 |
| Cost of funding earning assets | 1.4336% | 3,422 |
| Net interest margin | 2.8166% | 3,392 |
| Noninterest income to average assets | 0.7000% | 1,095 |
| Noninterest expense to average assets | 2.3250% | 2,722 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | 0.8996% | 2,317 |
| Return on assets (ROA) | 0.8996% | 2,322 |
| Pretax return on assets | 1.0010% | 2,490 |
| Return on Equity (ROE) | 10.9300% | 1,908 |
| Retained earnings to average equity (ytd only) | 8.4135% | 1,250 |
| Net charge-offs to loans | -0.0070% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 70.2396% | 2,081 |
| Assets per employee ($millions) | 5.6836% | 3,072 |
| Cash dividends to net income (ytd only)* | 23.0538% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 3,875 |
| Loan loss allowance to noncurrent loans | 227.7628% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 2,636 |
| Noncurrent loans to loans | 0.3633% | 2,106 |
| Net loans and leases to total assets | 39.1700% | 4,060 |
| Net loans and leases to deposits | 43.7386% | 4,118 |
| Net loans and leases to core deposits | 47.9709% | 4,096 |
| Total domestic deposits to total assets | 89.5500% | 828 |
| Equity capital to assets | 8.3773% | 3,182 |
| Core capital (leverage) ratio | 11.0809% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $516,895,000 | 1,718 |
| Average earning assets | $479,090,333 | 1,719 |
| Average equity | $42,526,667 | 1,884 |
| Average total loans | $198,848,000 | 2,357 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 4,129 |
| Cost of funding earning assets | 1.3813% | 3,424 |
| Net interest margin | 2.7701% | 3,423 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 2.2394% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9297% | 2,151 |
| Return on assets (ROA) | 0.9297% | 2,166 |
| Pretax return on assets | 1.0396% | 2,283 |
| Return on Equity (ROE) | 11.4000% | 1,735 |
| Retained earnings to average equity (ytd only) | 11.4039% | 845 |
| Net charge-offs to loans | -0.0122% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 68.3601% | 2,337 |
| Assets per employee ($millions) | 5.5851% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 3,786 |
| Loan loss allowance to noncurrent loans | 176.8116% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,425 |
| Noncurrent loans to loans | 0.4922% | 1,688 |
| Net loans and leases to total assets | 37.8600% | 4,090 |
| Net loans and leases to deposits | 42.3409% | 4,131 |
| Net loans and leases to core deposits | 46.2292% | 4,156 |
| Total domestic deposits to total assets | 89.4200% | 984 |
| Equity capital to assets | 8.1683% | 3,252 |
| Core capital (leverage) ratio | 11.0372% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $516,738,500 | 1,717 |
| Average earning assets | $479,558,000 | 1,723 |
| Average equity | $42,126,000 | 1,892 |
| Average total loans | $196,140,500 | 2,380 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 3,873 |
| Cost of funding earning assets | 0.7063% | 3,922 |
| Net interest margin | 3.3505% | 2,517 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.6672% | 1,825 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2064% | 1,636 |
| Return on assets (ROA) | 1.2064% | 1,608 |
| Pretax return on assets | 1.3243% | 1,809 |
| Return on Equity (ROE) | 15.4700% | 1,197 |
| Retained earnings to average equity (ytd only) | 12.7684% | 534 |
| Net charge-offs to loans | 0.0567% | 1,290 |
| Credit loss provision to net charge-offs | 23.1481% | 2,296 |
| Earnings coverage of net charge-offs (x) | 60.8241% | 1,181 |
| Efficiency ratio | 66.7207% | 2,257 |
| Assets per employee ($millions) | 5.3026% | 3,396 |
| Cash dividends to net income (ytd only)* | 17.4752% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 3,782 |
| Loan loss allowance to noncurrent loans | 224.3173% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 2,532 |
| Noncurrent loans to loans | 0.3923% | 1,809 |
| Net loans and leases to total assets | 37.3900% | 4,113 |
| Net loans and leases to deposits | 41.6551% | 4,156 |
| Net loans and leases to core deposits | 44.4519% | 4,196 |
| Total domestic deposits to total assets | 89.7600% | 822 |
| Equity capital to assets | 8.1364% | 3,324 |
| Core capital (leverage) ratio | 10.8599% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $493,775,800 | 1,740 |
| Average earning assets | $458,325,000 | 1,735 |
| Average equity | $38,501,200 | 1,930 |
| Average total loans | $190,538,600 | 2,357 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,759 |
| Cost of funding earning assets | 0.5677% | 4,033 |
| Net interest margin | 3.4821% | 2,249 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.3629% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1809% | 1,840 |
| Return on assets (ROA) | 1.1809% | 1,829 |
| Pretax return on assets | 1.3664% | 1,852 |
| Return on Equity (ROE) | 15.3200% | 1,391 |
| Retained earnings to average equity (ytd only) | 13.5331% | 740 |
| Net charge-offs to loans | 0.0599% | 1,072 |
| Credit loss provision to net charge-offs | -14.1176% | 4,476 |
| Earnings coverage of net charge-offs (x) | 58.6824% | 1,218 |
| Efficiency ratio | 63.3881% | 2,575 |
| Assets per employee ($millions) | 5.3452% | 3,308 |
| Cash dividends to net income (ytd only)* | 11.6775% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 3,766 |
| Loan loss allowance to noncurrent loans | 176.5738% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 2,270 |
| Noncurrent loans to loans | 0.5031% | 1,557 |
| Net loans and leases to total assets | 38.4000% | 4,115 |
| Net loans and leases to deposits | 42.6623% | 4,143 |
| Net loans and leases to core deposits | 45.5812% | 4,140 |
| Total domestic deposits to total assets | 90.0100% | 935 |
| Equity capital to assets | 7.5063% | 3,347 |
| Core capital (leverage) ratio | 10.9942% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $487,307,250 | 1,754 |
| Average earning assets | $452,085,000 | 1,753 |
| Average equity | $37,556,250 | 1,946 |
| Average total loans | $189,167,750 | 2,369 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,793 |
| Cost of funding earning assets | 0.4041% | 4,161 |
| Net interest margin | 3.5427% | 2,170 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.3816% | 2,550 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1772% | 1,888 |
| Return on assets (ROA) | 1.1772% | 1,884 |
| Pretax return on assets | 1.3619% | 1,912 |
| Return on Equity (ROE) | 15.1400% | 1,445 |
| Retained earnings to average equity (ytd only) | 12.4611% | 893 |
| Net charge-offs to loans | 0.0904% | 723 |
| Credit loss provision to net charge-offs | 25.8824% | 1,751 |
| Earnings coverage of net charge-offs (x) | 39.2353% | 1,411 |
| Efficiency ratio | 63.3476% | 2,556 |
| Assets per employee ($millions) | 5.1430% | 3,460 |
| Cash dividends to net income (ytd only)* | 17.6904% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 3,773 |
| Loan loss allowance to noncurrent loans | 99.7713% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 1,455 |
| Noncurrent loans to loans | 0.9070% | 845 |
| Net loans and leases to total assets | 39.9500% | 4,042 |
| Net loans and leases to deposits | 45.3276% | 4,064 |
| Net loans and leases to core deposits | 47.2061% | 4,098 |
| Total domestic deposits to total assets | 88.1400% | 1,555 |
| Equity capital to assets | 8.0136% | 3,210 |
| Core capital (leverage) ratio | 10.9937% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $484,041,333 | 1,765 |
| Average earning assets | $449,877,667 | 1,755 |
| Average equity | $37,637,000 | 1,955 |
| Average total loans | $188,023,667 | 2,371 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8914% | 3,692 |
| Cost of funding earning assets | 0.2826% | 4,232 |
| Net interest margin | 3.6089% | 2,107 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.3249% | 2,747 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.2774% | 1,731 |
| Return on assets (ROA) | 1.2774% | 1,700 |
| Pretax return on assets | 1.4927% | 1,689 |
| Return on Equity (ROE) | 16.6800% | 1,227 |
| Retained earnings to average equity (ytd only) | 16.6796% | 620 |
| Net charge-offs to loans | 0.2090% | 351 |
| Credit loss provision to net charge-offs | 1.0309% | 1,421 |
| Earnings coverage of net charge-offs (x) | 18.9794% | 1,475 |
| Efficiency ratio | 60.5866% | 2,885 |
| Assets per employee ($millions) | 5.0988% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 3,798 |
| Loan loss allowance to noncurrent loans | 107.4028% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 1,548 |
| Noncurrent loans to loans | 0.8574% | 886 |
| Net loans and leases to total assets | 37.6300% | 4,127 |
| Net loans and leases to deposits | 41.7943% | 4,170 |
| Net loans and leases to core deposits | 42.8241% | 4,206 |
| Total domestic deposits to total assets | 90.0400% | 1,144 |
| Equity capital to assets | 8.0068% | 3,238 |
| Core capital (leverage) ratio | 10.5909% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $486,911,000 | 1,773 |
| Average earning assets | $452,995,500 | 1,765 |
| Average equity | $37,291,000 | 1,995 |
| Average total loans | $185,616,500 | 2,401 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4172% | 3,301 |
| Cost of funding earning assets | 0.1239% | 4,263 |
| Net interest margin | 3.2934% | 2,580 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.3432% | 2,606 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.1140% | 2,109 |
| Return on assets (ROA) | 1.0170% | 2,448 |
| Pretax return on assets | 1.1538% | 2,589 |
| Return on Equity (ROE) | 13.2400% | 1,727 |
| Retained earnings to average equity (ytd only) | 10.7092% | 958 |
| Net charge-offs to loans | -0.0088% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2144% | 2,336 |
| Assets per employee ($millions) | 4.8923% | 3,753 |
| Cash dividends to net income (ytd only)* | 19.1248% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,066 |
| Loan loss allowance to noncurrent loans | 141.4932% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 1,705 |
| Noncurrent loans to loans | 0.7517% | 998 |
| Net loans and leases to total assets | 37.8600% | 4,146 |
| Net loans and leases to deposits | 41.5272% | 4,199 |
| Net loans and leases to core deposits | 42.3617% | 4,219 |
| Total domestic deposits to total assets | 91.1600% | 893 |
| Equity capital to assets | 7.3069% | 3,485 |
| Core capital (leverage) ratio | 10.2093% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $485,358,000 | 1,759 |
| Average earning assets | $451,211,200 | 1,753 |
| Average equity | $37,276,200 | 2,026 |
| Average total loans | $181,625,200 | 2,361 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2613% | 3,283 |
| Cost of funding earning assets | 0.1255% | 4,072 |
| Net interest margin | 3.1359% | 2,812 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.3390% | 2,515 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.0153% | 2,424 |
| Return on assets (ROA) | 1.0153% | 2,396 |
| Pretax return on assets | 1.1570% | 2,534 |
| Return on Equity (ROE) | 13.0600% | 1,680 |
| Retained earnings to average equity (ytd only) | 11.5077% | 916 |
| Net charge-offs to loans | -0.0133% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2940% | 2,118 |
| Assets per employee ($millions) | 5.3869% | 3,339 |
| Cash dividends to net income (ytd only)* | 11.8983% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,205 |
| Loan loss allowance to noncurrent loans | 136.3511% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 1,796 |
| Noncurrent loans to loans | 0.7768% | 1,041 |
| Net loans and leases to total assets | 36.7900% | 4,194 |
| Net loans and leases to deposits | 40.1944% | 4,231 |
| Net loans and leases to core deposits | 40.8891% | 4,251 |
| Total domestic deposits to total assets | 91.5300% | 1,039 |
| Equity capital to assets | 6.7178% | 3,654 |
| Core capital (leverage) ratio | 9.8881% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $485,612,750 | 1,768 |
| Average earning assets | $451,624,000 | 1,762 |
| Average equity | $37,747,750 | 2,034 |
| Average total loans | $180,700,750 | 2,369 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 3,185 |
| Cost of funding earning assets | 0.1256% | 3,903 |
| Net interest margin | 3.0263% | 2,806 |
| Noninterest income to average assets | 0.5919% | 1,776 |
| Noninterest expense to average assets | 2.3692% | 2,337 |
| Loan and lease loss provision to assets | -0.0362% | 4,480 |
| Net operating income to assets | 0.9544% | 2,340 |
| Return on assets (ROA) | 0.9544% | 2,313 |
| Pretax return on assets | 1.0781% | 2,488 |
| Return on Equity (ROE) | 11.7253% | 1,751 |
| Retained earnings to average equity (ytd only) | 9.4754% | 1,145 |
| Net charge-offs to loans | -0.0089% | 3,552 |
| Credit loss provision to net charge-offs | 1,087.5000% | 380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3838% | 2,051 |
| Assets per employee ($millions) | 5.0721% | 3,618 |
| Cash dividends to net income (ytd only)* | 19.1888% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,200 |
| Loan loss allowance to noncurrent loans | 148.9378% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 1,809 |
| Noncurrent loans to loans | 0.7320% | 1,178 |
| Net loans and leases to total assets | 36.9588% | 4,207 |
| Net loans and leases to deposits | 40.6850% | 4,244 |
| Net loans and leases to core deposits | 41.4949% | 4,281 |
| Total domestic deposits to total assets | 90.8412% | 1,315 |
| Equity capital to assets | 7.3257% | 3,588 |
| Core capital (leverage) ratio | 9.8923% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $480,490,000 | 1,791 |
| Average earning assets | $447,610,667 | 1,794 |
| Average equity | $39,112,000 | 2,037 |
| Average total loans | $178,840,000 | 2,387 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0451% | 3,119 |
| Cost of funding earning assets | 0.1286% | 3,794 |
| Net interest margin | 2.9165% | 2,779 |
| Noninterest income to average assets | 0.5110% | 2,092 |
| Noninterest expense to average assets | 2.3184% | 2,432 |
| Loan and lease loss provision to assets | -0.0725% | 4,555 |
| Net operating income to assets | 0.8812% | 2,358 |
| Return on assets (ROA) | 0.8812% | 2,358 |
| Pretax return on assets | 0.9871% | 2,475 |
| Return on Equity (ROE) | 10.3075% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.3075% | 946 |
| Net charge-offs to loans | -0.0202% | 3,918 |
| Credit loss provision to net charge-offs | 966.6667% | 346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6349% | 2,024 |
| Assets per employee ($millions) | 5.1195% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,252 |
| Loan loss allowance to noncurrent loans | 101.6563% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 1,436 |
| Noncurrent loans to loans | 1.0994% | 815 |
| Net loans and leases to total assets | 35.7277% | 4,230 |
| Net loans and leases to deposits | 39.6216% | 4,261 |
| Net loans and leases to core deposits | 40.5403% | 4,297 |
| Total domestic deposits to total assets | 90.1723% | 1,459 |
| Equity capital to assets | 7.9755% | 3,593 |
| Core capital (leverage) ratio | 9.7130% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,808,500 | 1,796 |
| Average earning assets | $447,795,500 | 1,800 |
| Average equity | $41,018,500 | 2,019 |
| Average total loans | $178,235,000 | 2,396 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4497% | 2,802 |
| Cost of funding earning assets | 0.1711% | 3,768 |
| Net interest margin | 3.2787% | 2,371 |
| Noninterest income to average assets | 0.4888% | 2,631 |
| Noninterest expense to average assets | 2.5570% | 2,003 |
| Loan and lease loss provision to assets | -0.0718% | 4,451 |
| Net operating income to assets | 0.9268% | 2,953 |
| Return on assets (ROA) | 0.8889% | 3,142 |
| Pretax return on assets | 1.0180% | 3,209 |
| Return on Equity (ROE) | 9.2708% | 2,792 |
| Retained earnings to average equity (ytd only) | 7.3120% | 1,803 |
| Net charge-offs to loans | -0.0031% | 3,442 |
| Credit loss provision to net charge-offs | 5,416.6667% | 135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8273% | 1,529 |
| Assets per employee ($millions) | 5.1442% | 3,607 |
| Cash dividends to net income (ytd only)* | 21.1285% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,231 |
| Loan loss allowance to noncurrent loans | 98.3149% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 1,499 |
| Noncurrent loans to loans | 1.1491% | 838 |
| Net loans and leases to total assets | 37.7593% | 4,209 |
| Net loans and leases to deposits | 42.3891% | 4,259 |
| Net loans and leases to core deposits | 43.3661% | 4,290 |
| Total domestic deposits to total assets | 89.0778% | 1,472 |
| Equity capital to assets | 9.1382% | 3,471 |
| Core capital (leverage) ratio | 9.6998% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,562,000 | 1,830 |
| Average earning assets | $422,091,000 | 1,834 |
| Average equity | $43,394,400 | 1,965 |
| Average total loans | $195,333,000 | 2,264 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4479% | 2,965 |
| Cost of funding earning assets | 0.1810% | 3,809 |
| Net interest margin | 3.2669% | 2,523 |
| Noninterest income to average assets | 0.4864% | 2,684 |
| Noninterest expense to average assets | 2.5186% | 2,064 |
| Loan and lease loss provision to assets | -0.0597% | 4,492 |
| Net operating income to assets | 0.9269% | 3,159 |
| Return on assets (ROA) | 0.9233% | 3,244 |
| Pretax return on assets | 1.0678% | 3,278 |
| Return on Equity (ROE) | 9.5106% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.2550% | 1,973 |
| Net charge-offs to loans | -0.0127% | 3,779 |
| Credit loss provision to net charge-offs | 1,052.6316% | 501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0500% | 1,488 |
| Assets per employee ($millions) | 5.1754% | 3,528 |
| Cash dividends to net income (ytd only)* | 13.2021% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 3,158 |
| Loan loss allowance to noncurrent loans | 83.0476% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 1,403 |
| Noncurrent loans to loans | 1.3985% | 762 |
| Net loans and leases to total assets | 38.5440% | 4,278 |
| Net loans and leases to deposits | 43.1083% | 4,343 |
| Net loans and leases to core deposits | 44.0378% | 4,379 |
| Total domestic deposits to total assets | 89.4119% | 1,064 |
| Equity capital to assets | 9.2089% | 3,643 |
| Core capital (leverage) ratio | 9.6966% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,386,000 | 1,867 |
| Average earning assets | $416,934,500 | 1,864 |
| Average equity | $43,431,000 | 1,989 |
| Average total loans | $198,980,250 | 2,278 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5494% | 2,775 |
| Cost of funding earning assets | 0.1957% | 3,797 |
| Net interest margin | 3.3537% | 2,289 |
| Noninterest income to average assets | 0.5050% | 2,601 |
| Noninterest expense to average assets | 2.5445% | 2,015 |
| Loan and lease loss provision to assets | -0.0459% | 4,509 |
| Net operating income to assets | 0.9652% | 3,019 |
| Return on assets (ROA) | 0.9581% | 3,121 |
| Pretax return on assets | 1.1182% | 3,154 |
| Return on Equity (ROE) | 9.6862% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.7898% | 2,157 |
| Net charge-offs to loans | -0.0187% | 3,971 |
| Credit loss provision to net charge-offs | 526.3158% | 661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8887% | 1,653 |
| Assets per employee ($millions) | 4.9413% | 3,705 |
| Cash dividends to net income (ytd only)* | 19.5787% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 3,115 |
| Loan loss allowance to noncurrent loans | 54.0412% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9285% | 829 |
| Noncurrent loans to loans | 2.1560% | 424 |
| Net loans and leases to total assets | 42.5435% | 4,145 |
| Net loans and leases to deposits | 47.9365% | 4,223 |
| Net loans and leases to core deposits | 48.8972% | 4,285 |
| Total domestic deposits to total assets | 88.7497% | 1,414 |
| Equity capital to assets | 9.6306% | 3,218 |
| Core capital (leverage) ratio | 9.9848% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $436,076,333 | 1,893 |
| Average earning assets | $405,706,333 | 1,894 |
| Average equity | $43,133,333 | 1,986 |
| Average total loans | $202,741,000 | 2,263 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 2,512 |
| Cost of funding earning assets | 0.2210% | 3,719 |
| Net interest margin | 3.4226% | 2,048 |
| Noninterest income to average assets | 0.5548% | 2,390 |
| Noninterest expense to average assets | 2.5622% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9953% | 2,818 |
| Return on assets (ROA) | 0.9953% | 2,915 |
| Pretax return on assets | 1.1715% | 2,921 |
| Return on Equity (ROE) | 9.9230% | 2,714 |
| Retained earnings to average equity (ytd only) | 9.8763% | 1,686 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3233% | 1,891 |
| Assets per employee ($millions) | 4.3211% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.4708% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,016 |
| Loan loss allowance to noncurrent loans | 55.1636% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9830% | 843 |
| Noncurrent loans to loans | 2.1438% | 475 |
| Net loans and leases to total assets | 45.2032% | 4,025 |
| Net loans and leases to deposits | 51.0325% | 4,105 |
| Net loans and leases to core deposits | 52.0661% | 4,191 |
| Total domestic deposits to total assets | 88.5772% | 1,570 |
| Equity capital to assets | 9.7772% | 2,923 |
| Core capital (leverage) ratio | 10.3094% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $426,814,000 | 1,913 |
| Average earning assets | $396,423,000 | 1,914 |
| Average equity | $42,809,500 | 1,992 |
| Average total loans | $206,270,000 | 2,234 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 3,001 |
| Cost of funding earning assets | 0.4225% | 3,444 |
| Net interest margin | 3.4874% | 2,508 |
| Noninterest income to average assets | 0.5174% | 2,557 |
| Noninterest expense to average assets | 2.9159% | 1,644 |
| Loan and lease loss provision to assets | 0.0793% | 3,385 |
| Net operating income to assets | 0.6522% | 3,586 |
| Return on assets (ROA) | 0.6522% | 3,713 |
| Pretax return on assets | 0.7333% | 3,807 |
| Return on Equity (ROE) | 5.8115% | 3,634 |
| Retained earnings to average equity (ytd only) | 3.8877% | 2,882 |
| Net charge-offs to loans | 0.0029% | 3,274 |
| Credit loss provision to net charge-offs | 5,000.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 512.5000% | 228 |
| Efficiency ratio | 77.8510% | 1,041 |
| Assets per employee ($millions) | 4.3010% | 4,121 |
| Cash dividends to net income (ytd only)* | 33.1037% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,419 |
| Loan loss allowance to noncurrent loans | 54.1887% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.0599% | 882 |
| Noncurrent loans to loans | 2.0465% | 550 |
| Net loans and leases to total assets | 50.4648% | 3,792 |
| Net loans and leases to deposits | 58.1450% | 3,885 |
| Net loans and leases to core deposits | 59.3564% | 3,983 |
| Total domestic deposits to total assets | 86.7913% | 2,041 |
| Equity capital to assets | 10.2945% | 2,844 |
| Core capital (leverage) ratio | 10.5543% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,405,600 | 1,925 |
| Average earning assets | $348,428,400 | 1,941 |
| Average equity | $42,467,800 | 1,924 |
| Average total loans | $207,408,000 | 2,182 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 3,017 |
| Cost of funding earning assets | 0.4627% | 3,455 |
| Net interest margin | 3.5221% | 2,517 |
| Noninterest income to average assets | 0.5363% | 2,442 |
| Noninterest expense to average assets | 3.0198% | 1,403 |
| Loan and lease loss provision to assets | 0.1085% | 2,964 |
| Net operating income to assets | 0.5836% | 3,818 |
| Return on assets (ROA) | 0.5836% | 3,918 |
| Pretax return on assets | 0.6451% | 4,019 |
| Return on Equity (ROE) | 5.0816% | 3,871 |
| Retained earnings to average equity (ytd only) | 3.7844% | 3,150 |
| Net charge-offs to loans | 0.0032% | 3,055 |
| Credit loss provision to net charge-offs | 6,000.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 416.8000% | 275 |
| Efficiency ratio | 79.6742% | 889 |
| Assets per employee ($millions) | 4.0123% | 4,302 |
| Cash dividends to net income (ytd only)* | 25.5266% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,490 |
| Loan loss allowance to noncurrent loans | 50.8171% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.1369% | 914 |
| Noncurrent loans to loans | 2.0578% | 588 |
| Net loans and leases to total assets | 53.2034% | 3,873 |
| Net loans and leases to deposits | 61.1975% | 3,981 |
| Net loans and leases to core deposits | 62.5981% | 4,072 |
| Total domestic deposits to total assets | 86.9372% | 1,690 |
| Equity capital to assets | 10.5526% | 2,745 |
| Core capital (leverage) ratio | 10.5968% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,708,500 | 1,946 |
| Average earning assets | $338,878,500 | 1,962 |
| Average equity | $42,347,750 | 1,915 |
| Average total loans | $206,035,750 | 2,188 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 2,836 |
| Cost of funding earning assets | 0.5059% | 3,495 |
| Net interest margin | 3.6700% | 2,269 |
| Noninterest income to average assets | 0.5524% | 2,343 |
| Noninterest expense to average assets | 3.1510% | 1,241 |
| Loan and lease loss provision to assets | 0.0985% | 3,041 |
| Net operating income to assets | 0.6008% | 3,736 |
| Return on assets (ROA) | 0.6008% | 3,811 |
| Pretax return on assets | 0.6644% | 3,943 |
| Return on Equity (ROE) | 5.0727% | 3,813 |
| Retained earnings to average equity (ytd only) | 3.1140% | 3,337 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1467% | 884 |
| Assets per employee ($millions) | 3.8781% | 4,411 |
| Cash dividends to net income (ytd only)* | 38.6129% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,518 |
| Loan loss allowance to noncurrent loans | 48.5829% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 874 |
| Noncurrent loans to loans | 2.0821% | 624 |
| Net loans and leases to total assets | 56.0554% | 3,678 |
| Net loans and leases to deposits | 65.2334% | 3,786 |
| Net loans and leases to core deposits | 66.8065% | 3,934 |
| Total domestic deposits to total assets | 85.9305% | 2,038 |
| Equity capital to assets | 11.2286% | 2,163 |
| Core capital (leverage) ratio | 11.4942% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,193,333 | 1,982 |
| Average earning assets | $325,339,000 | 1,997 |
| Average equity | $42,068,000 | 1,917 |
| Average total loans | $201,368,333 | 2,210 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 2,195 |
| Cost of funding earning assets | 0.5551% | 3,667 |
| Net interest margin | 3.9827% | 1,432 |
| Noninterest income to average assets | 0.6208% | 1,946 |
| Noninterest expense to average assets | 3.2804% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8426% | 2,742 |
| Return on assets (ROA) | 0.8426% | 2,832 |
| Pretax return on assets | 0.9744% | 2,919 |
| Return on Equity (ROE) | 6.9150% | 2,986 |
| Retained earnings to average equity (ytd only) | 6.9150% | 1,571 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7691% | 1,477 |
| Assets per employee ($millions) | 3.4177% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,482 |
| Loan loss allowance to noncurrent loans | 46.7592% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3500% | 851 |
| Noncurrent loans to loans | 2.2290% | 591 |
| Net loans and leases to total assets | 57.1166% | 3,744 |
| Net loans and leases to deposits | 67.6650% | 3,747 |
| Net loans and leases to core deposits | 69.3755% | 3,917 |
| Total domestic deposits to total assets | 84.4109% | 2,630 |
| Equity capital to assets | 12.4651% | 1,753 |
| Core capital (leverage) ratio | 12.4386% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,762,000 | 1,989 |
| Average earning assets | $312,751,500 | 2,012 |
| Average equity | $41,764,500 | 1,919 |
| Average total loans | $194,443,000 | 2,230 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 2,537 |
| Cost of funding earning assets | 0.5715% | 3,765 |
| Net interest margin | 4.0531% | 1,676 |
| Noninterest income to average assets | 0.5975% | 2,232 |
| Noninterest expense to average assets | 3.3225% | 1,254 |
| Loan and lease loss provision to assets | -0.0293% | 4,975 |
| Net operating income to assets | 0.8752% | 3,298 |
| Return on assets (ROA) | 0.8816% | 3,360 |
| Pretax return on assets | 1.0245% | 3,403 |
| Return on Equity (ROE) | 7.5407% | 3,350 |
| Retained earnings to average equity (ytd only) | 5.5602% | 2,125 |
| Net charge-offs to loans | 0.0161% | 3,143 |
| Credit loss provision to net charge-offs | -333.3333% | 4,368 |
| Earnings coverage of net charge-offs (x) | 112.2000% | 617 |
| Efficiency ratio | 76.7429% | 1,292 |
| Assets per employee ($millions) | 3.4035% | 4,562 |
| Cash dividends to net income (ytd only)* | 26.2650% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,068 |
| Loan loss allowance to noncurrent loans | 44.4325% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.4106% | 742 |
| Noncurrent loans to loans | 2.4277% | 456 |
| Net loans and leases to total assets | 55.1428% | 3,986 |
| Net loans and leases to deposits | 64.0185% | 4,073 |
| Net loans and leases to core deposits | 65.5668% | 4,208 |
| Total domestic deposits to total assets | 86.1357% | 2,017 |
| Equity capital to assets | 11.9059% | 2,193 |
| Core capital (leverage) ratio | 12.2680% | 1,616 |
| Tier 1 risk-based capital ratio | 18.8275% | 1,563 |
| Total risk-based capital ratio | 19.7585% | 1,604 |
| Memoranda: | ||
| Average total assets | $340,762,600 | 1,942 |
| Average earning assets | $312,159,400 | 1,956 |
| Average equity | $39,837,000 | 1,941 |
| Average total loans | $186,832,600 | 2,255 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 2,521 |
| Cost of funding earning assets | 0.5621% | 3,856 |
| Net interest margin | 4.0997% | 1,610 |
| Noninterest income to average assets | 0.6035% | 2,188 |
| Noninterest expense to average assets | 3.3209% | 1,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8933% | 3,371 |
| Return on assets (ROA) | 0.8933% | 3,445 |
| Pretax return on assets | 1.0376% | 3,480 |
| Return on Equity (ROE) | 7.6767% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.4096% | 2,168 |
| Net charge-offs to loans | -0.0057% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8614% | 1,350 |
| Assets per employee ($millions) | 3.5686% | 4,438 |
| Cash dividends to net income (ytd only)* | 16.5057% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 2,808 |
| Loan loss allowance to noncurrent loans | 50.8193% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.3127% | 917 |
| Noncurrent loans to loans | 2.2491% | 550 |
| Net loans and leases to total assets | 54.2441% | 4,162 |
| Net loans and leases to deposits | 62.6881% | 4,254 |
| Net loans and leases to core deposits | 64.2385% | 4,355 |
| Total domestic deposits to total assets | 86.5302% | 1,754 |
| Equity capital to assets | 11.8717% | 2,358 |
| Core capital (leverage) ratio | 12.0134% | 1,840 |
| Tier 1 risk-based capital ratio | 18.8756% | 1,591 |
| Total risk-based capital ratio | 19.8624% | 1,627 |
| Memoranda: | ||
| Average total assets | $340,015,000 | 1,960 |
| Average earning assets | $311,426,250 | 1,964 |
| Average equity | $39,564,500 | 1,962 |
| Average total loans | $185,635,250 | 2,291 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 2,448 |
| Cost of funding earning assets | 0.5432% | 3,916 |
| Net interest margin | 4.1280% | 1,528 |
| Noninterest income to average assets | 0.5918% | 2,186 |
| Noninterest expense to average assets | 3.3595% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8723% | 3,394 |
| Return on assets (ROA) | 0.8723% | 3,459 |
| Pretax return on assets | 1.0096% | 3,513 |
| Return on Equity (ROE) | 7.5485% | 3,474 |
| Retained earnings to average equity (ytd only) | 5.6229% | 2,459 |
| Net charge-offs to loans | -0.0651% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5542% | 1,327 |
| Assets per employee ($millions) | 3.4312% | 4,575 |
| Cash dividends to net income (ytd only)* | 25.5088% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 2,589 |
| Loan loss allowance to noncurrent loans | 49.0187% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4417% | 795 |
| Noncurrent loans to loans | 2.4241% | 498 |
| Net loans and leases to total assets | 54.9746% | 4,144 |
| Net loans and leases to deposits | 64.3359% | 4,208 |
| Net loans and leases to core deposits | 65.9869% | 4,319 |
| Total domestic deposits to total assets | 85.4493% | 2,285 |
| Equity capital to assets | 11.9447% | 2,231 |
| Core capital (leverage) ratio | 12.2006% | 1,702 |
| Tier 1 risk-based capital ratio | 18.4910% | 1,673 |
| Total risk-based capital ratio | 19.5007% | 1,698 |
| Memoranda: | ||
| Average total assets | $337,967,000 | 1,971 |
| Average earning assets | $309,252,670 | 1,987 |
| Average equity | $39,054,330 | 1,975 |
| Average total loans | $184,199,670 | 2,304 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 2,387 |
| Cost of funding earning assets | 0.5231% | 3,955 |
| Net interest margin | 4.1242% | 1,490 |
| Noninterest income to average assets | 0.6009% | 2,040 |
| Noninterest expense to average assets | 3.2347% | 1,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9681% | 2,981 |
| Return on assets (ROA) | 0.9681% | 3,022 |
| Pretax return on assets | 1.1357% | 3,027 |
| Return on Equity (ROE) | 8.5197% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.5197% | 1,483 |
| Net charge-offs to loans | -0.0285% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6899% | 1,788 |
| Assets per employee ($millions) | 3.6263% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,598 |
| Loan loss allowance to noncurrent loans | 42.5926% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 703 |
| Noncurrent loans to loans | 2.8108% | 418 |
| Net loans and leases to total assets | 52.9011% | 4,281 |
| Net loans and leases to deposits | 61.3737% | 4,341 |
| Net loans and leases to core deposits | 63.3402% | 4,413 |
| Total domestic deposits to total assets | 86.1951% | 2,187 |
| Equity capital to assets | 11.4486% | 2,442 |
| Core capital (leverage) ratio | 12.0094% | 1,763 |
| Tier 1 risk-based capital ratio | 18.6338% | 1,621 |
| Total risk-based capital ratio | 19.6411% | 1,632 |
| Memoranda: | ||
| Average total assets | $338,821,000 | 1,983 |
| Average earning assets | $309,681,500 | 2,000 |
| Average equity | $38,499,000 | 1,992 |
| Average total loans | $182,759,500 | 2,339 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 2,323 |
| Cost of funding earning assets | 0.3564% | 4,244 |
| Net interest margin | 4.1871% | 1,426 |
| Noninterest income to average assets | 0.6569% | 2,025 |
| Noninterest expense to average assets | 3.3029% | 1,313 |
| Loan and lease loss provision to assets | 0.0514% | 3,153 |
| Net operating income to assets | 0.9552% | 3,200 |
| Return on assets (ROA) | 0.9552% | 3,198 |
| Pretax return on assets | 1.1140% | 3,218 |
| Return on Equity (ROE) | 8.3920% | 3,274 |
| Retained earnings to average equity (ytd only) | 6.4529% | 1,950 |
| Net charge-offs to loans | 0.0592% | 2,292 |
| Credit loss provision to net charge-offs | 157.5472% | 1,761 |
| Earnings coverage of net charge-offs (x) | 35.7170% | 1,425 |
| Efficiency ratio | 73.5740% | 1,692 |
| Assets per employee ($millions) | 3.5827% | 4,464 |
| Cash dividends to net income (ytd only)* | 23.1067% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 2,640 |
| Loan loss allowance to noncurrent loans | 43.0696% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.6121% | 699 |
| Noncurrent loans to loans | 2.7556% | 402 |
| Net loans and leases to total assets | 53.6975% | 4,303 |
| Net loans and leases to deposits | 62.4916% | 4,348 |
| Net loans and leases to core deposits | 64.8650% | 4,415 |
| Total domestic deposits to total assets | 85.9275% | 2,270 |
| Equity capital to assets | 11.2756% | 2,444 |
| Core capital (leverage) ratio | 11.6518% | 1,990 |
| Tier 1 risk-based capital ratio | 18.1723% | 1,711 |
| Total risk-based capital ratio | 19.1697% | 1,737 |
| Memoranda: | ||
| Average total assets | $324,865,800 | 2,024 |
| Average earning assets | $295,720,400 | 2,044 |
| Average equity | $36,975,600 | 1,988 |
| Average total loans | $178,965,200 | 2,345 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 2,335 |
| Cost of funding earning assets | 0.3131% | 4,425 |
| Net interest margin | 4.1779% | 1,425 |
| Noninterest income to average assets | 0.6764% | 1,951 |
| Noninterest expense to average assets | 3.3137% | 1,271 |
| Loan and lease loss provision to assets | 0.0410% | 3,181 |
| Net operating income to assets | 0.9734% | 3,200 |
| Return on assets (ROA) | 0.9734% | 3,212 |
| Pretax return on assets | 1.1246% | 3,299 |
| Return on Equity (ROE) | 8.5314% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.2934% | 1,975 |
| Net charge-offs to loans | 0.1094% | 1,395 |
| Credit loss provision to net charge-offs | 67.8082% | 2,656 |
| Earnings coverage of net charge-offs (x) | 19.2742% | 2,013 |
| Efficiency ratio | 73.6360% | 1,649 |
| Assets per employee ($millions) | 3.4734% | 4,596 |
| Cash dividends to net income (ytd only)* | 14.5108% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,953 |
| Loan loss allowance to noncurrent loans | 40.8657% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7139% | 711 |
| Noncurrent loans to loans | 2.7931% | 427 |
| Net loans and leases to total assets | 53.3301% | 4,402 |
| Net loans and leases to deposits | 61.5147% | 4,469 |
| Net loans and leases to core deposits | 63.4795% | 4,552 |
| Total domestic deposits to total assets | 86.6949% | 1,868 |
| Equity capital to assets | 10.9717% | 2,686 |
| Core capital (leverage) ratio | 11.9141% | 1,832 |
| Tier 1 risk-based capital ratio | 18.2972% | 1,720 |
| Total risk-based capital ratio | 19.2760% | 1,742 |
| Memoranda: | ||
| Average total assets | $321,889,750 | 2,048 |
| Average earning assets | $292,997,750 | 2,074 |
| Average equity | $36,726,250 | 1,999 |
| Average total loans | $177,954,250 | 2,364 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 2,289 |
| Cost of funding earning assets | 0.2654% | 4,666 |
| Net interest margin | 4.1739% | 1,342 |
| Noninterest income to average assets | 0.7196% | 1,794 |
| Noninterest expense to average assets | 3.4245% | 1,104 |
| Loan and lease loss provision to assets | 0.0158% | 3,566 |
| Net operating income to assets | 0.9388% | 3,281 |
| Return on assets (ROA) | 0.9388% | 3,286 |
| Pretax return on assets | 1.0756% | 3,407 |
| Return on Equity (ROE) | 8.1162% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.2487% | 2,439 |
| Net charge-offs to loans | 0.1738% | 893 |
| Credit loss provision to net charge-offs | 16.3399% | 2,709 |
| Earnings coverage of net charge-offs (x) | 11.2614% | 2,283 |
| Efficiency ratio | 75.4804% | 1,496 |
| Assets per employee ($millions) | 3.2178% | 4,915 |
| Cash dividends to net income (ytd only)* | 23.0094% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,011 |
| Loan loss allowance to noncurrent loans | 46.2588% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.7128% | 712 |
| Noncurrent loans to loans | 2.4750% | 525 |
| Net loans and leases to total assets | 56.2664% | 4,139 |
| Net loans and leases to deposits | 65.7096% | 4,179 |
| Net loans and leases to core deposits | 67.1233% | 4,307 |
| Total domestic deposits to total assets | 85.6289% | 2,440 |
| Equity capital to assets | 11.7722% | 2,008 |
| Core capital (leverage) ratio | 12.3240% | 1,526 |
| Tier 1 risk-based capital ratio | 18.3795% | 1,704 |
| Total risk-based capital ratio | 19.3555% | 1,731 |
| Memoranda: | ||
| Average total assets | $315,721,330 | 2,090 |
| Average earning assets | $287,164,330 | 2,115 |
| Average equity | $36,519,330 | 2,010 |
| Average total loans | $176,062,670 | 2,389 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 2,304 |
| Cost of funding earning assets | 0.2393% | 4,767 |
| Net interest margin | 4.1282% | 1,371 |
| Noninterest income to average assets | 0.7004% | 1,829 |
| Noninterest expense to average assets | 3.3812% | 1,191 |
| Loan and lease loss provision to assets | 0.0151% | 3,335 |
| Net operating income to assets | 0.9297% | 3,162 |
| Return on assets (ROA) | 0.9297% | 3,183 |
| Pretax return on assets | 1.0632% | 3,302 |
| Return on Equity (ROE) | 8.1083% | 3,328 |
| Retained earnings to average equity (ytd only) | 8.1083% | 1,799 |
| Net charge-offs to loans | 0.0137% | 2,271 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 142.6667% | 451 |
| Efficiency ratio | 75.4802% | 1,669 |
| Assets per employee ($millions) | 3.2205% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,489 |
| Loan loss allowance to noncurrent loans | 42.9473% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.7785% | 687 |
| Noncurrent loans to loans | 2.9228% | 417 |
| Net loans and leases to total assets | 54.2621% | 4,260 |
| Net loans and leases to deposits | 62.8424% | 4,280 |
| Net loans and leases to core deposits | 64.4710% | 4,399 |
| Total domestic deposits to total assets | 86.3463% | 2,384 |
| Equity capital to assets | 11.5451% | 2,094 |
| Core capital (leverage) ratio | 11.9126% | 1,705 |
| Tier 1 risk-based capital ratio | 19.2557% | 1,490 |
| Total risk-based capital ratio | 20.3634% | 1,483 |
| Memoranda: | ||
| Average total assets | $317,519,000 | 2,087 |
| Average earning assets | $289,132,500 | 2,125 |
| Average equity | $36,407,000 | 2,021 |
| Average total loans | $175,266,000 | 2,413 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 2,597 |
| Cost of funding earning assets | 0.2363% | 4,678 |
| Net interest margin | 3.9892% | 1,780 |
| Noninterest income to average assets | 0.6581% | 2,147 |
| Noninterest expense to average assets | 3.4067% | 1,183 |
| Loan and lease loss provision to assets | 0.0360% | 3,548 |
| Net operating income to assets | 0.5660% | 4,160 |
| Return on assets (ROA) | 0.5660% | 4,194 |
| Pretax return on assets | 0.8350% | 4,141 |
| Return on Equity (ROE) | 5.1787% | 4,092 |
| Retained earnings to average equity (ytd only) | 3.3678% | 3,277 |
| Net charge-offs to loans | 0.1628% | 1,502 |
| Credit loss provision to net charge-offs | 41.4035% | 3,427 |
| Earnings coverage of net charge-offs (x) | 10.0211% | 2,722 |
| Efficiency ratio | 79.2400% | 1,194 |
| Assets per employee ($millions) | 3.0715% | 5,144 |
| Cash dividends to net income (ytd only)* | 34.9677% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,629 |
| Loan loss allowance to noncurrent loans | 43.4635% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7249% | 738 |
| Noncurrent loans to loans | 2.8204% | 418 |
| Net loans and leases to total assets | 54.7627% | 4,292 |
| Net loans and leases to deposits | 63.1873% | 4,368 |
| Net loans and leases to core deposits | 65.1025% | 4,470 |
| Total domestic deposits to total assets | 86.6672% | 2,162 |
| Equity capital to assets | 11.3881% | 2,295 |
| Core capital (leverage) ratio | 11.3136% | 2,088 |
| Tier 1 risk-based capital ratio | 17.8979% | 1,828 |
| Total risk-based capital ratio | 18.9442% | 1,837 |
| Memoranda: | ||
| Average total assets | $327,914,200 | 2,021 |
| Average earning assets | $297,529,200 | 2,054 |
| Average equity | $35,839,000 | 2,033 |
| Average total loans | $175,104,600 | 2,384 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1798% | 2,681 |
| Cost of funding earning assets | 0.2390% | 4,661 |
| Net interest margin | 3.9408% | 1,893 |
| Noninterest income to average assets | 0.6654% | 2,142 |
| Noninterest expense to average assets | 3.3543% | 1,238 |
| Loan and lease loss provision to assets | 0.0356% | 3,404 |
| Net operating income to assets | 0.7223% | 3,864 |
| Return on assets (ROA) | 0.7223% | 3,924 |
| Pretax return on assets | 0.8464% | 4,221 |
| Return on Equity (ROE) | 6.6769% | 3,829 |
| Retained earnings to average equity (ytd only) | 5.5267% | 2,525 |
| Net charge-offs to loans | 0.1298% | 1,489 |
| Credit loss provision to net charge-offs | 51.7647% | 2,892 |
| Earnings coverage of net charge-offs (x) | 12.8412% | 2,398 |
| Efficiency ratio | 78.7717% | 1,238 |
| Assets per employee ($millions) | 3.1846% | 5,087 |
| Cash dividends to net income (ytd only)* | 17.2261% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,973 |
| Loan loss allowance to noncurrent loans | 50.8339% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.5770% | 946 |
| Noncurrent loans to loans | 2.7169% | 523 |
| Net loans and leases to total assets | 51.9165% | 4,574 |
| Net loans and leases to deposits | 59.7285% | 4,653 |
| Net loans and leases to core deposits | 62.1411% | 4,703 |
| Total domestic deposits to total assets | 86.9209% | 1,895 |
| Equity capital to assets | 11.0278% | 2,837 |
| Core capital (leverage) ratio | 11.3143% | 2,174 |
| Tier 1 risk-based capital ratio | 17.9737% | 1,862 |
| Total risk-based capital ratio | 19.1397% | 1,837 |
| Memoranda: | ||
| Average total assets | $330,035,000 | 2,019 |
| Average earning assets | $299,051,000 | 2,060 |
| Average equity | $35,704,500 | 2,045 |
| Average total loans | $174,605,750 | 2,393 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 2,570 |
| Cost of funding earning assets | 0.2428% | 4,615 |
| Net interest margin | 3.9314% | 1,837 |
| Noninterest income to average assets | 0.6656% | 2,145 |
| Noninterest expense to average assets | 3.3557% | 1,263 |
| Loan and lease loss provision to assets | 0.0303% | 3,394 |
| Net operating income to assets | 0.7196% | 3,754 |
| Return on assets (ROA) | 0.7196% | 3,825 |
| Pretax return on assets | 0.8360% | 4,138 |
| Return on Equity (ROE) | 6.6946% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.9561% | 2,739 |
| Net charge-offs to loans | 0.1568% | 1,226 |
| Credit loss provision to net charge-offs | 36.4964% | 2,670 |
| Earnings coverage of net charge-offs (x) | 10.4234% | 2,343 |
| Efficiency ratio | 79.0631% | 1,327 |
| Assets per employee ($millions) | 3.1019% | 5,187 |
| Cash dividends to net income (ytd only)* | 25.9696% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 2,069 |
| Loan loss allowance to noncurrent loans | 50.0104% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.6113% | 920 |
| Noncurrent loans to loans | 2.7473% | 511 |
| Net loans and leases to total assets | 53.4706% | 4,439 |
| Net loans and leases to deposits | 61.7215% | 4,521 |
| Net loans and leases to core deposits | 64.3302% | 4,578 |
| Total domestic deposits to total assets | 86.6321% | 2,118 |
| Equity capital to assets | 11.1698% | 2,633 |
| Core capital (leverage) ratio | 11.2059% | 2,216 |
| Tier 1 risk-based capital ratio | 17.6787% | 1,955 |
| Total risk-based capital ratio | 18.8425% | 1,932 |
| Memoranda: | ||
| Average total assets | $329,647,000 | 2,023 |
| Average earning assets | $298,212,000 | 2,068 |
| Average equity | $35,431,330 | 2,053 |
| Average total loans | $174,689,330 | 2,398 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 2,729 |
| Cost of funding earning assets | 0.2413% | 4,621 |
| Net interest margin | 3.8381% | 1,992 |
| Noninterest income to average assets | 0.6807% | 2,040 |
| Noninterest expense to average assets | 3.2800% | 1,427 |
| Loan and lease loss provision to assets | 0.0444% | 2,908 |
| Net operating income to assets | 0.7275% | 3,576 |
| Return on assets (ROA) | 0.7275% | 3,625 |
| Pretax return on assets | 0.8512% | 3,936 |
| Return on Equity (ROE) | 6.9000% | 3,445 |
| Retained earnings to average equity (ytd only) | 6.9000% | 1,886 |
| Net charge-offs to loans | 0.0160% | 2,476 |
| Credit loss provision to net charge-offs | 528.5714% | 547 |
| Earnings coverage of net charge-offs (x) | 106.5714% | 510 |
| Efficiency ratio | 78.1196% | 1,612 |
| Assets per employee ($millions) | 3.2087% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,909 |
| Loan loss allowance to noncurrent loans | 50.6736% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.6398% | 943 |
| Noncurrent loans to loans | 2.8397% | 502 |
| Net loans and leases to total assets | 51.7240% | 4,542 |
| Net loans and leases to deposits | 59.3354% | 4,612 |
| Net loans and leases to core deposits | 61.8296% | 4,670 |
| Total domestic deposits to total assets | 87.1722% | 2,125 |
| Equity capital to assets | 10.6369% | 3,031 |
| Core capital (leverage) ratio | 10.8831% | 2,502 |
| Tier 1 risk-based capital ratio | 17.4593% | 2,042 |
| Total risk-based capital ratio | 18.6740% | 2,005 |
| Memoranda: | ||
| Average total assets | $333,173,500 | 2,027 |
| Average earning assets | $303,380,000 | 2,054 |
| Average equity | $35,130,500 | 2,078 |
| Average total loans | $174,586,000 | 2,411 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 2,518 |
| Cost of funding earning assets | 0.2685% | 4,385 |
| Net interest margin | 3.9213% | 1,893 |
| Noninterest income to average assets | 0.7235% | 2,063 |
| Noninterest expense to average assets | 3.4958% | 1,165 |
| Loan and lease loss provision to assets | 0.0028% | 4,300 |
| Net operating income to assets | 0.6708% | 3,909 |
| Return on assets (ROA) | 0.6708% | 4,021 |
| Pretax return on assets | 0.7865% | 4,220 |
| Return on Equity (ROE) | 6.3696% | 3,806 |
| Retained earnings to average equity (ytd only) | 4.5825% | 2,656 |
| Net charge-offs to loans | 0.0779% | 2,571 |
| Credit loss provision to net charge-offs | 6.5217% | 3,759 |
| Earnings coverage of net charge-offs (x) | 18.6884% | 1,954 |
| Efficiency ratio | 81.0884% | 1,292 |
| Assets per employee ($millions) | 3.1985% | 5,148 |
| Cash dividends to net income (ytd only)* | 28.0566% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,956 |
| Loan loss allowance to noncurrent loans | 60.3052% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 1,165 |
| Noncurrent loans to loans | 2.3724% | 685 |
| Net loans and leases to total assets | 51.5739% | 4,647 |
| Net loans and leases to deposits | 58.9787% | 4,736 |
| Net loans and leases to core deposits | 61.7323% | 4,764 |
| Total domestic deposits to total assets | 87.4450% | 1,907 |
| Equity capital to assets | 10.4512% | 3,210 |
| Core capital (leverage) ratio | 10.6980% | 2,659 |
| Tier 1 risk-based capital ratio | 17.3453% | 2,046 |
| Total risk-based capital ratio | 18.5566% | 2,018 |
| Memoranda: | ||
| Average total assets | $326,765,400 | 2,022 |
| Average earning assets | $296,789,800 | 2,065 |
| Average equity | $34,413,200 | 2,113 |
| Average total loans | $177,076,600 | 2,341 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 2,465 |
| Cost of funding earning assets | 0.2745% | 4,343 |
| Net interest margin | 3.9398% | 1,853 |
| Noninterest income to average assets | 0.7505% | 1,963 |
| Noninterest expense to average assets | 3.5110% | 1,132 |
| Loan and lease loss provision to assets | 0.0033% | 4,155 |
| Net operating income to assets | 0.6865% | 3,926 |
| Return on assets (ROA) | 0.6865% | 4,055 |
| Pretax return on assets | 0.8128% | 4,270 |
| Return on Equity (ROE) | 6.5062% | 3,838 |
| Retained earnings to average equity (ytd only) | 5.3099% | 2,617 |
| Net charge-offs to loans | 0.0675% | 2,361 |
| Credit loss provision to net charge-offs | 8.8889% | 3,373 |
| Earnings coverage of net charge-offs (x) | 22.1217% | 1,778 |
| Efficiency ratio | 80.6574% | 1,345 |
| Assets per employee ($millions) | 3.2231% | 5,141 |
| Cash dividends to net income (ytd only)* | 18.3882% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 2,075 |
| Loan loss allowance to noncurrent loans | 63.1566% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.4299% | 1,283 |
| Noncurrent loans to loans | 2.2599% | 822 |
| Net loans and leases to total assets | 52.2710% | 4,638 |
| Net loans and leases to deposits | 59.8376% | 4,771 |
| Net loans and leases to core deposits | 63.0382% | 4,772 |
| Total domestic deposits to total assets | 87.3548% | 1,733 |
| Equity capital to assets | 10.5050% | 3,560 |
| Core capital (leverage) ratio | 10.7962% | 2,689 |
| Tier 1 risk-based capital ratio | 17.1654% | 2,178 |
| Total risk-based capital ratio | 18.3930% | 2,141 |
| Memoranda: | ||
| Average total assets | $325,296,500 | 2,036 |
| Average earning assets | $295,302,250 | 2,076 |
| Average equity | $34,325,250 | 2,132 |
| Average total loans | $177,834,250 | 2,334 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 2,280 |
| Cost of funding earning assets | 0.2831% | 4,311 |
| Net interest margin | 3.9803% | 1,702 |
| Noninterest income to average assets | 0.7702% | 1,846 |
| Noninterest expense to average assets | 3.5783% | 1,036 |
| Loan and lease loss provision to assets | 0.0025% | 3,987 |
| Net operating income to assets | 0.6752% | 3,929 |
| Return on assets (ROA) | 0.6752% | 4,065 |
| Pretax return on assets | 0.7957% | 4,295 |
| Return on Equity (ROE) | 6.3886% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.5784% | 2,996 |
| Net charge-offs to loans | 0.0742% | 2,122 |
| Credit loss provision to net charge-offs | 6.0606% | 3,022 |
| Earnings coverage of net charge-offs (x) | 19.4697% | 1,775 |
| Efficiency ratio | 81.2802% | 1,353 |
| Assets per employee ($millions) | 3.1153% | 5,309 |
| Cash dividends to net income (ytd only)* | 28.3349% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 2,188 |
| Loan loss allowance to noncurrent loans | 58.9850% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6099% | 1,145 |
| Noncurrent loans to loans | 2.4162% | 741 |
| Net loans and leases to total assets | 54.5872% | 4,453 |
| Net loans and leases to deposits | 62.7541% | 4,590 |
| Net loans and leases to core deposits | 65.8907% | 4,619 |
| Total domestic deposits to total assets | 86.9858% | 1,924 |
| Equity capital to assets | 10.7175% | 3,380 |
| Core capital (leverage) ratio | 10.7486% | 2,698 |
| Tier 1 risk-based capital ratio | 16.8569% | 2,278 |
| Total risk-based capital ratio | 18.0928% | 2,234 |
| Memoranda: | ||
| Average total assets | $321,994,330 | 2,066 |
| Average earning assets | $291,733,670 | 2,104 |
| Average equity | $34,029,330 | 2,148 |
| Average total loans | $177,862,000 | 2,335 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 2,345 |
| Cost of funding earning assets | 0.2848% | 4,336 |
| Net interest margin | 3.9508% | 1,785 |
| Noninterest income to average assets | 0.8249% | 1,541 |
| Noninterest expense to average assets | 3.5938% | 1,028 |
| Loan and lease loss provision to assets | 0.0025% | 3,642 |
| Net operating income to assets | 0.6791% | 3,819 |
| Return on assets (ROA) | 0.6791% | 3,939 |
| Pretax return on assets | 0.8075% | 4,170 |
| Return on Equity (ROE) | 6.4723% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.4723% | 2,153 |
| Net charge-offs to loans | 0.1333% | 1,307 |
| Credit loss provision to net charge-offs | 3.3898% | 2,408 |
| Earnings coverage of net charge-offs (x) | 11.0169% | 1,891 |
| Efficiency ratio | 81.1262% | 1,470 |
| Assets per employee ($millions) | 3.1505% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 2,254 |
| Loan loss allowance to noncurrent loans | 59.9579% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.5534% | 1,291 |
| Noncurrent loans to loans | 2.3987% | 809 |
| Net loans and leases to total assets | 54.1055% | 4,440 |
| Net loans and leases to deposits | 62.1700% | 4,566 |
| Net loans and leases to core deposits | 65.2096% | 4,605 |
| Total domestic deposits to total assets | 87.0282% | 2,198 |
| Equity capital to assets | 10.5163% | 3,473 |
| Core capital (leverage) ratio | 10.6981% | 2,730 |
| Tier 1 risk-based capital ratio | 17.4927% | 2,124 |
| Total risk-based capital ratio | 18.7428% | 2,095 |
| Memoranda: | ||
| Average total assets | $320,995,500 | 2,078 |
| Average earning assets | $290,775,500 | 2,122 |
| Average equity | $33,682,000 | 2,165 |
| Average total loans | $177,085,500 | 2,345 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 1,932 |
| Cost of funding earning assets | 0.3326% | 3,877 |
| Net interest margin | 4.0579% | 1,538 |
| Noninterest income to average assets | 0.7669% | 1,911 |
| Noninterest expense to average assets | 3.6170% | 1,098 |
| Loan and lease loss provision to assets | 0.0029% | 4,332 |
| Net operating income to assets | 0.6648% | 3,976 |
| Return on assets (ROA) | 0.6793% | 4,002 |
| Pretax return on assets | 0.8355% | 4,090 |
| Return on Equity (ROE) | 6.3095% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.4774% | 2,803 |
| Net charge-offs to loans | 0.1155% | 2,219 |
| Credit loss provision to net charge-offs | 4.3478% | 3,865 |
| Earnings coverage of net charge-offs (x) | 12.3575% | 2,472 |
| Efficiency ratio | 81.4239% | 1,484 |
| Assets per employee ($millions) | 3.1126% | 5,399 |
| Cash dividends to net income (ytd only)* | 29.0368% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 2,066 |
| Loan loss allowance to noncurrent loans | 59.9314% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.5768% | 1,258 |
| Noncurrent loans to loans | 2.4825% | 743 |
| Net loans and leases to total assets | 54.6213% | 4,433 |
| Net loans and leases to deposits | 62.7490% | 4,574 |
| Net loans and leases to core deposits | 65.8959% | 4,602 |
| Total domestic deposits to total assets | 87.0473% | 2,105 |
| Equity capital to assets | 10.4691% | 3,398 |
| Core capital (leverage) ratio | 11.1296% | 2,281 |
| Tier 1 risk-based capital ratio | 17.7322% | 2,043 |
| Total risk-based capital ratio | 18.9836% | 1,997 |
| Memoranda: | ||
| Average total assets | $311,780,400 | 2,080 |
| Average earning assets | $282,018,400 | 2,123 |
| Average equity | $33,568,400 | 2,119 |
| Average total loans | $179,204,600 | 2,250 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 1,836 |
| Cost of funding earning assets | 0.3464% | 3,791 |
| Net interest margin | 4.0770% | 1,473 |
| Noninterest income to average assets | 0.7729% | 1,920 |
| Noninterest expense to average assets | 3.5619% | 1,174 |
| Loan and lease loss provision to assets | 0.0455% | 3,294 |
| Net operating income to assets | 0.7046% | 3,881 |
| Return on assets (ROA) | 0.7046% | 3,992 |
| Pretax return on assets | 0.8511% | 4,170 |
| Return on Equity (ROE) | 6.4979% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.2776% | 2,741 |
| Net charge-offs to loans | 0.1230% | 1,898 |
| Credit loss provision to net charge-offs | 63.8554% | 2,862 |
| Earnings coverage of net charge-offs (x) | 12.5722% | 2,396 |
| Efficiency ratio | 79.8034% | 1,686 |
| Assets per employee ($millions) | 3.0361% | 5,505 |
| Cash dividends to net income (ytd only)* | 18.7807% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,982 |
| Loan loss allowance to noncurrent loans | 55.2837% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.8509% | 1,138 |
| Noncurrent loans to loans | 2.7950% | 669 |
| Net loans and leases to total assets | 56.7249% | 4,275 |
| Net loans and leases to deposits | 65.2781% | 4,448 |
| Net loans and leases to core deposits | 68.7487% | 4,475 |
| Total domestic deposits to total assets | 86.8973% | 2,097 |
| Equity capital to assets | 11.1217% | 2,887 |
| Core capital (leverage) ratio | 11.0206% | 2,466 |
| Tier 1 risk-based capital ratio | 17.5362% | 2,175 |
| Total risk-based capital ratio | 18.7882% | 2,133 |
| Memoranda: | ||
| Average total assets | $310,354,000 | 2,104 |
| Average earning assets | $280,560,000 | 2,144 |
| Average equity | $33,651,000 | 2,122 |
| Average total loans | $179,997,250 | 2,250 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 1,783 |
| Cost of funding earning assets | 0.3654% | 3,645 |
| Net interest margin | 4.0554% | 1,484 |
| Noninterest income to average assets | 0.7882% | 1,829 |
| Noninterest expense to average assets | 3.5605% | 1,194 |
| Loan and lease loss provision to assets | 0.0663% | 2,788 |
| Net operating income to assets | 0.6871% | 3,951 |
| Return on assets (ROA) | 0.6871% | 4,067 |
| Pretax return on assets | 0.8281% | 4,213 |
| Return on Equity (ROE) | 6.3916% | 3,935 |
| Retained earnings to average equity (ytd only) | 4.5466% | 3,136 |
| Net charge-offs to loans | 0.1595% | 1,520 |
| Credit loss provision to net charge-offs | 71.5278% | 2,440 |
| Earnings coverage of net charge-offs (x) | 9.6458% | 2,436 |
| Efficiency ratio | 79.8352% | 1,786 |
| Assets per employee ($millions) | 3.1038% | 5,462 |
| Cash dividends to net income (ytd only)* | 28.8660% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 2,108 |
| Loan loss allowance to noncurrent loans | 62.4381% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 1,306 |
| Noncurrent loans to loans | 2.4686% | 910 |
| Net loans and leases to total assets | 57.7077% | 4,139 |
| Net loans and leases to deposits | 66.2407% | 4,316 |
| Net loans and leases to core deposits | 70.0013% | 4,326 |
| Total domestic deposits to total assets | 87.1182% | 2,100 |
| Equity capital to assets | 10.9250% | 2,967 |
| Core capital (leverage) ratio | 10.7192% | 2,712 |
| Tier 1 risk-based capital ratio | 16.8179% | 2,479 |
| Total risk-based capital ratio | 18.0699% | 2,436 |
| Memoranda: | ||
| Average total assets | $310,577,330 | 2,120 |
| Average earning assets | $280,811,670 | 2,158 |
| Average equity | $33,387,330 | 2,146 |
| Average total loans | $180,521,330 | 2,255 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 1,659 |
| Cost of funding earning assets | 0.3908% | 3,401 |
| Net interest margin | 4.0387% | 1,445 |
| Noninterest income to average assets | 0.7969% | 1,721 |
| Noninterest expense to average assets | 3.5564% | 1,197 |
| Loan and lease loss provision to assets | 0.0448% | 3,024 |
| Net operating income to assets | 0.6995% | 3,801 |
| Return on assets (ROA) | 0.6995% | 3,930 |
| Pretax return on assets | 0.8494% | 4,062 |
| Return on Equity (ROE) | 6.5593% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.5593% | 2,205 |
| Net charge-offs to loans | 0.2103% | 1,103 |
| Credit loss provision to net charge-offs | 36.8421% | 2,207 |
| Earnings coverage of net charge-offs (x) | 7.3474% | 2,178 |
| Efficiency ratio | 79.8215% | 1,919 |
| Assets per employee ($millions) | 3.1320% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 2,256 |
| Loan loss allowance to noncurrent loans | 62.9021% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.7164% | 1,457 |
| Noncurrent loans to loans | 2.4554% | 994 |
| Net loans and leases to total assets | 56.6801% | 4,130 |
| Net loans and leases to deposits | 65.4283% | 4,213 |
| Net loans and leases to core deposits | 69.5259% | 4,201 |
| Total domestic deposits to total assets | 86.6294% | 2,587 |
| Equity capital to assets | 10.8708% | 3,118 |
| Core capital (leverage) ratio | 10.7419% | 2,702 |
| Tier 1 risk-based capital ratio | 17.1082% | 2,441 |
| Total risk-based capital ratio | 18.3602% | 2,395 |
| Memoranda: | ||
| Average total assets | $312,227,000 | 2,123 |
| Average earning assets | $282,467,000 | 2,160 |
| Average equity | $33,296,000 | 2,160 |
| Average total loans | $180,732,500 | 2,270 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 1,459 |
| Cost of funding earning assets | 0.5244% | 2,445 |
| Net interest margin | 4.1108% | 1,548 |
| Noninterest income to average assets | 0.8182% | 1,799 |
| Noninterest expense to average assets | 3.3968% | 1,705 |
| Loan and lease loss provision to assets | 0.2068% | 1,212 |
| Net operating income to assets | 0.7066% | 3,855 |
| Return on assets (ROA) | 0.7184% | 3,909 |
| Pretax return on assets | 0.9018% | 3,895 |
| Return on Equity (ROE) | 7.0295% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.2382% | 2,442 |
| Net charge-offs to loans | 0.5835% | 688 |
| Credit loss provision to net charge-offs | 60.4244% | 3,276 |
| Earnings coverage of net charge-offs (x) | 3.1965% | 3,948 |
| Efficiency ratio | 75.5518% | 2,585 |
| Assets per employee ($millions) | 3.1868% | 5,447 |
| Cash dividends to net income (ytd only)* | 25.4833% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 2,299 |
| Loan loss allowance to noncurrent loans | 51.8498% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 2.0498% | 1,226 |
| Noncurrent loans to loans | 2.9695% | 760 |
| Net loans and leases to total assets | 57.0990% | 4,180 |
| Net loans and leases to deposits | 65.9346% | 4,334 |
| Net loans and leases to core deposits | 70.2431% | 4,306 |
| Total domestic deposits to total assets | 86.5994% | 2,511 |
| Equity capital to assets | 10.7086% | 3,222 |
| Core capital (leverage) ratio | 10.6617% | 2,766 |
| Tier 1 risk-based capital ratio | 16.8566% | 2,572 |
| Total risk-based capital ratio | 18.1085% | 2,512 |
| Memoranda: | ||
| Average total assets | $316,796,200 | 2,052 |
| Average earning assets | $283,010,000 | 2,101 |
| Average equity | $32,377,800 | 2,148 |
| Average total loans | $185,765,600 | 2,163 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 1,381 |
| Cost of funding earning assets | 0.5505% | 2,284 |
| Net interest margin | 4.1191% | 1,519 |
| Noninterest income to average assets | 0.8371% | 1,756 |
| Noninterest expense to average assets | 3.3757% | 1,722 |
| Loan and lease loss provision to assets | 0.2392% | 918 |
| Net operating income to assets | 0.7166% | 3,857 |
| Return on assets (ROA) | 0.7324% | 3,876 |
| Pretax return on assets | 0.9132% | 3,934 |
| Return on Equity (ROE) | 7.2523% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.1157% | 2,336 |
| Net charge-offs to loans | 0.6035% | 616 |
| Credit loss provision to net charge-offs | 67.4171% | 2,812 |
| Earnings coverage of net charge-offs (x) | 3.1919% | 3,707 |
| Efficiency ratio | 74.7832% | 2,691 |
| Assets per employee ($millions) | 3.1762% | 5,475 |
| Cash dividends to net income (ytd only)* | 15.6716% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 2,334 |
| Loan loss allowance to noncurrent loans | 48.6411% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 2.1336% | 1,309 |
| Noncurrent loans to loans | 3.2675% | 768 |
| Net loans and leases to total assets | 58.5046% | 4,001 |
| Net loans and leases to deposits | 67.2770% | 4,211 |
| Net loans and leases to core deposits | 70.9228% | 4,250 |
| Total domestic deposits to total assets | 86.9607% | 2,340 |
| Equity capital to assets | 10.5727% | 3,463 |
| Core capital (leverage) ratio | 10.3411% | 3,230 |
| Tier 1 risk-based capital ratio | 16.5383% | 2,802 |
| Total risk-based capital ratio | 17.7908% | 2,753 |
| Memoranda: | ||
| Average total assets | $317,121,750 | 2,062 |
| Average earning assets | $282,641,750 | 2,123 |
| Average equity | $32,026,000 | 2,173 |
| Average total loans | $186,466,750 | 2,167 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 1,335 |
| Cost of funding earning assets | 0.5748% | 2,123 |
| Net interest margin | 4.1032% | 1,500 |
| Noninterest income to average assets | 0.8660% | 1,605 |
| Noninterest expense to average assets | 3.3936% | 1,691 |
| Loan and lease loss provision to assets | 0.2314% | 987 |
| Net operating income to assets | 0.7098% | 3,785 |
| Return on assets (ROA) | 0.7314% | 3,765 |
| Pretax return on assets | 0.9088% | 3,855 |
| Return on Equity (ROE) | 7.3562% | 3,441 |
| Retained earnings to average equity (ytd only) | 5.6294% | 2,556 |
| Net charge-offs to loans | 0.6559% | 587 |
| Credit loss provision to net charge-offs | 60.2291% | 2,636 |
| Earnings coverage of net charge-offs (x) | 2.8969% | 3,440 |
| Efficiency ratio | 75.2023% | 2,775 |
| Assets per employee ($millions) | 3.2418% | 5,353 |
| Cash dividends to net income (ytd only)* | 23.4738% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 2,449 |
| Loan loss allowance to noncurrent loans | 52.0992% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.9122% | 1,691 |
| Noncurrent loans to loans | 3.0738% | 928 |
| Net loans and leases to total assets | 58.0800% | 3,983 |
| Net loans and leases to deposits | 66.6054% | 4,204 |
| Net loans and leases to core deposits | 70.8835% | 4,163 |
| Total domestic deposits to total assets | 87.2001% | 2,348 |
| Equity capital to assets | 10.2635% | 3,741 |
| Core capital (leverage) ratio | 10.2257% | 3,301 |
| Tier 1 risk-based capital ratio | 16.2029% | 2,977 |
| Total risk-based capital ratio | 17.4557% | 2,922 |
| Memoranda: | ||
| Average total assets | $318,015,000 | 2,053 |
| Average earning assets | $282,168,330 | 2,121 |
| Average equity | $31,619,670 | 2,181 |
| Average total loans | $186,311,000 | 2,170 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 1,315 |
| Cost of funding earning assets | 0.6006% | 1,967 |
| Net interest margin | 4.0734% | 1,534 |
| Noninterest income to average assets | 0.8411% | 1,600 |
| Noninterest expense to average assets | 3.2259% | 2,138 |
| Loan and lease loss provision to assets | 0.1949% | 1,203 |
| Net operating income to assets | 0.7979% | 3,166 |
| Return on assets (ROA) | 0.8008% | 3,230 |
| Pretax return on assets | 1.0309% | 3,206 |
| Return on Equity (ROE) | 8.1861% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.1861% | 1,538 |
| Net charge-offs to loans | 0.2132% | 1,475 |
| Credit loss provision to net charge-offs | 156.5657% | 1,222 |
| Earnings coverage of net charge-offs (x) | 9.8182% | 1,908 |
| Efficiency ratio | 72.4138% | 3,414 |
| Assets per employee ($millions) | 3.2542% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 2,183 |
| Loan loss allowance to noncurrent loans | 53.7697% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 2.0645% | 1,636 |
| Noncurrent loans to loans | 3.2624% | 940 |
| Net loans and leases to total assets | 57.9902% | 3,841 |
| Net loans and leases to deposits | 66.6914% | 4,003 |
| Net loans and leases to core deposits | 71.1306% | 3,969 |
| Total domestic deposits to total assets | 86.9530% | 2,841 |
| Equity capital to assets | 10.1007% | 3,725 |
| Core capital (leverage) ratio | 10.2228% | 3,257 |
| Tier 1 risk-based capital ratio | 16.0872% | 3,129 |
| Total risk-based capital ratio | 17.3419% | 3,081 |
| Memoranda: | ||
| Average total assets | $318,173,500 | 2,055 |
| Average earning assets | $281,730,000 | 2,134 |
| Average equity | $31,126,000 | 2,209 |
| Average total loans | $185,705,500 | 2,176 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 1,484 |
| Cost of funding earning assets | 0.7287% | 1,631 |
| Net interest margin | 4.0051% | 1,934 |
| Noninterest income to average assets | 0.6034% | 3,077 |
| Noninterest expense to average assets | 3.3842% | 1,918 |
| Loan and lease loss provision to assets | 0.0805% | 3,500 |
| Net operating income to assets | 0.5424% | 4,546 |
| Return on assets (ROA) | 0.5711% | 4,513 |
| Pretax return on assets | 0.6842% | 4,599 |
| Return on Equity (ROE) | 5.8748% | 4,160 |
| Retained earnings to average equity (ytd only) | 4.1254% | 3,235 |
| Net charge-offs to loans | 0.2583% | 2,417 |
| Credit loss provision to net charge-offs | 55.4604% | 3,691 |
| Earnings coverage of net charge-offs (x) | 5.0300% | 3,402 |
| Efficiency ratio | 82.1307% | 1,864 |
| Assets per employee ($millions) | 3.2392% | 5,411 |
| Cash dividends to net income (ytd only)* | 29.7768% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 2,157 |
| Loan loss allowance to noncurrent loans | 60.2562% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.9257% | 1,876 |
| Noncurrent loans to loans | 2.9409% | 1,184 |
| Net loans and leases to total assets | 56.6810% | 4,229 |
| Net loans and leases to deposits | 65.2789% | 4,383 |
| Net loans and leases to core deposits | 70.1508% | 4,276 |
| Total domestic deposits to total assets | 86.8289% | 2,816 |
| Equity capital to assets | 9.4633% | 4,481 |
| Core capital (leverage) ratio | 10.0140% | 3,547 |
| Tier 1 risk-based capital ratio | 15.8598% | 3,169 |
| Total risk-based capital ratio | 17.1146% | 3,125 |
| Memoranda: | ||
| Average total assets | $321,673,800 | 2,000 |
| Average earning assets | $281,992,000 | 2,098 |
| Average equity | $31,269,400 | 2,169 |
| Average total loans | $180,810,600 | 2,186 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 1,561 |
| Cost of funding earning assets | 0.7511% | 1,603 |
| Net interest margin | 3.9619% | 2,066 |
| Noninterest income to average assets | 0.5540% | 3,427 |
| Noninterest expense to average assets | 3.3790% | 1,873 |
| Loan and lease loss provision to assets | 0.0516% | 3,990 |
| Net operating income to assets | 0.5180% | 4,728 |
| Return on assets (ROA) | 0.5172% | 4,881 |
| Pretax return on assets | 0.5920% | 5,048 |
| Return on Equity (ROE) | 5.2865% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.1337% | 3,740 |
| Net charge-offs to loans | 0.1694% | 2,861 |
| Credit loss provision to net charge-offs | 54.5852% | 3,404 |
| Earnings coverage of net charge-offs (x) | 6.8121% | 2,902 |
| Efficiency ratio | 83.8587% | 1,619 |
| Assets per employee ($millions) | 3.2064% | 5,484 |
| Cash dividends to net income (ytd only)* | 21.8051% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8282% | 2,211 |
| Loan loss allowance to noncurrent loans | 58.7307% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.9502% | 2,084 |
| Noncurrent loans to loans | 3.1129% | 1,275 |
| Net loans and leases to total assets | 57.2482% | 4,131 |
| Net loans and leases to deposits | 65.9114% | 4,318 |
| Net loans and leases to core deposits | 71.3167% | 4,174 |
| Total domestic deposits to total assets | 86.8564% | 2,768 |
| Equity capital to assets | 9.9530% | 3,961 |
| Core capital (leverage) ratio | 9.7894% | 3,975 |
| Tier 1 risk-based capital ratio | 15.8361% | 3,282 |
| Total risk-based capital ratio | 17.0918% | 3,230 |
| Memoranda: | ||
| Average total assets | $322,732,750 | 2,001 |
| Average earning assets | $282,618,000 | 2,105 |
| Average equity | $31,576,750 | 2,173 |
| Average total loans | $180,220,000 | 2,195 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7071% | 1,547 |
| Cost of funding earning assets | 0.7685% | 1,595 |
| Net interest margin | 3.9387% | 2,078 |
| Noninterest income to average assets | 0.4607% | 4,088 |
| Noninterest expense to average assets | 3.3388% | 1,970 |
| Loan and lease loss provision to assets | 0.0209% | 4,481 |
| Net operating income to assets | 0.4901% | 4,841 |
| Return on assets (ROA) | 0.4890% | 5,018 |
| Pretax return on assets | 0.5381% | 5,245 |
| Return on Equity (ROE) | 5.0257% | 4,720 |
| Retained earnings to average equity (ytd only) | 3.3020% | 4,212 |
| Net charge-offs to loans | 0.1194% | 3,174 |
| Credit loss provision to net charge-offs | 31.7757% | 3,555 |
| Earnings coverage of net charge-offs (x) | 8.5234% | 2,390 |
| Efficiency ratio | 85.5050% | 1,463 |
| Assets per employee ($millions) | 3.3374% | 5,194 |
| Cash dividends to net income (ytd only)* | 34.2965% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8597% | 2,228 |
| Loan loss allowance to noncurrent loans | 77.2270% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.4352% | 2,946 |
| Noncurrent loans to loans | 2.4081% | 1,952 |
| Net loans and leases to total assets | 54.5535% | 4,513 |
| Net loans and leases to deposits | 62.4193% | 4,684 |
| Net loans and leases to core deposits | 69.0243% | 4,390 |
| Total domestic deposits to total assets | 87.3985% | 2,592 |
| Equity capital to assets | 9.5559% | 4,506 |
| Core capital (leverage) ratio | 9.5321% | 4,193 |
| Tier 1 risk-based capital ratio | 15.7092% | 3,360 |
| Total risk-based capital ratio | 16.9652% | 3,305 |
| Memoranda: | ||
| Average total assets | $325,567,670 | 1,995 |
| Average earning assets | $284,206,330 | 2,101 |
| Average equity | $31,677,330 | 2,173 |
| Average total loans | $179,213,330 | 2,211 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 1,422 |
| Cost of funding earning assets | 0.7911% | 1,577 |
| Net interest margin | 3.9529% | 1,940 |
| Noninterest income to average assets | 0.6822% | 2,689 |
| Noninterest expense to average assets | 3.3791% | 1,878 |
| Loan and lease loss provision to assets | 0.0025% | 4,392 |
| Net operating income to assets | 0.6190% | 4,126 |
| Return on assets (ROA) | 0.6170% | 4,290 |
| Pretax return on assets | 0.7376% | 4,419 |
| Return on Equity (ROE) | 6.2843% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.2843% | 2,518 |
| Net charge-offs to loans | 0.0472% | 3,370 |
| Credit loss provision to net charge-offs | 9.5238% | 3,147 |
| Earnings coverage of net charge-offs (x) | 28.7143% | 979 |
| Efficiency ratio | 81.8644% | 2,053 |
| Assets per employee ($millions) | 3.3010% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 2,197 |
| Loan loss allowance to noncurrent loans | 74.7877% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.8714% | 2,514 |
| Noncurrent loans to loans | 2.5944% | 1,990 |
| Net loans and leases to total assets | 53.6621% | 4,467 |
| Net loans and leases to deposits | 61.5262% | 4,610 |
| Net loans and leases to core deposits | 68.2626% | 4,270 |
| Total domestic deposits to total assets | 87.2183% | 2,817 |
| Equity capital to assets | 9.8713% | 4,319 |
| Core capital (leverage) ratio | 9.5447% | 4,007 |
| Tier 1 risk-based capital ratio | 16.0424% | 3,237 |
| Total risk-based capital ratio | 17.2991% | 3,194 |
| Memoranda: | ||
| Average total assets | $324,819,500 | 2,024 |
| Average earning assets | $282,628,000 | 2,135 |
| Average equity | $31,889,000 | 2,189 |
| Average total loans | $177,917,000 | 2,236 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 1,234 |
| Cost of funding earning assets | 1.0213% | 1,245 |
| Net interest margin | 4.1153% | 1,941 |
| Noninterest income to average assets | 0.7899% | 2,303 |
| Noninterest expense to average assets | 3.2937% | 2,360 |
| Loan and lease loss provision to assets | 0.1917% | 3,239 |
| Net operating income to assets | 0.6699% | 3,885 |
| Return on assets (ROA) | 0.6738% | 4,136 |
| Pretax return on assets | 0.8260% | 4,200 |
| Return on Equity (ROE) | 6.8733% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.1082% | 2,636 |
| Net charge-offs to loans | 0.1998% | 3,779 |
| Credit loss provision to net charge-offs | 167.8670% | 1,579 |
| Earnings coverage of net charge-offs (x) | 8.8698% | 2,340 |
| Efficiency ratio | 76.3846% | 2,680 |
| Assets per employee ($millions) | 3.3279% | 5,366 |
| Cash dividends to net income (ytd only)* | 25.6808% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 2,193 |
| Loan loss allowance to noncurrent loans | 71.6152% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9268% | 2,539 |
| Noncurrent loans to loans | 2.6974% | 1,960 |
| Net loans and leases to total assets | 53.7648% | 4,647 |
| Net loans and leases to deposits | 61.5529% | 4,836 |
| Net loans and leases to core deposits | 68.5297% | 4,476 |
| Total domestic deposits to total assets | 87.3473% | 2,619 |
| Equity capital to assets | 9.7640% | 4,508 |
| Core capital (leverage) ratio | 9.3608% | 4,319 |
| Tier 1 risk-based capital ratio | 15.6157% | 3,370 |
| Total risk-based capital ratio | 16.8722% | 3,324 |
| Memoranda: | ||
| Average total assets | $316,116,600 | 2,029 |
| Average earning assets | $270,136,800 | 2,160 |
| Average equity | $30,989,400 | 2,198 |
| Average total loans | $180,692,800 | 2,192 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2160% | 1,162 |
| Cost of funding earning assets | 1.0635% | 1,222 |
| Net interest margin | 4.1526% | 1,891 |
| Noninterest income to average assets | 0.7466% | 2,503 |
| Noninterest expense to average assets | 3.3293% | 2,188 |
| Loan and lease loss provision to assets | 0.2436% | 2,616 |
| Net operating income to assets | 0.6047% | 4,376 |
| Return on assets (ROA) | 0.6058% | 4,630 |
| Pretax return on assets | 0.7108% | 4,826 |
| Return on Equity (ROE) | 6.1735% | 4,247 |
| Retained earnings to average equity (ytd only) | 4.9908% | 3,369 |
| Net charge-offs to loans | 0.0979% | 4,406 |
| Credit loss provision to net charge-offs | 430.8271% | 623 |
| Earnings coverage of net charge-offs (x) | 16.8570% | 1,656 |
| Efficiency ratio | 77.6531% | 2,436 |
| Assets per employee ($millions) | 3.3201% | 5,393 |
| Cash dividends to net income (ytd only)* | 19.1579% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0691% | 1,982 |
| Loan loss allowance to noncurrent loans | 79.5856% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.6959% | 3,046 |
| Noncurrent loans to loans | 2.5998% | 2,196 |
| Net loans and leases to total assets | 53.0811% | 4,898 |
| Net loans and leases to deposits | 60.9442% | 5,091 |
| Net loans and leases to core deposits | 68.7882% | 4,638 |
| Total domestic deposits to total assets | 87.0979% | 2,607 |
| Equity capital to assets | 9.6980% | 4,925 |
| Core capital (leverage) ratio | 9.3261% | 4,537 |
| Tier 1 risk-based capital ratio | 15.6150% | 3,466 |
| Total risk-based capital ratio | 16.8731% | 3,429 |
| Memoranda: | ||
| Average total assets | $313,611,500 | 2,072 |
| Average earning assets | $267,041,000 | 2,210 |
| Average equity | $30,775,750 | 2,230 |
| Average total loans | $181,165,750 | 2,211 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 997 |
| Cost of funding earning assets | 1.1018% | 1,214 |
| Net interest margin | 4.2249% | 1,683 |
| Noninterest income to average assets | 0.7013% | 2,663 |
| Noninterest expense to average assets | 3.3892% | 2,057 |
| Loan and lease loss provision to assets | 0.2338% | 2,732 |
| Net operating income to assets | 0.5743% | 4,477 |
| Return on assets (ROA) | 0.5761% | 4,738 |
| Pretax return on assets | 0.6413% | 4,991 |
| Return on Equity (ROE) | 5.8461% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.0568% | 3,908 |
| Net charge-offs to loans | 0.1466% | 3,741 |
| Credit loss provision to net charge-offs | 270.1493% | 1,072 |
| Earnings coverage of net charge-offs (x) | 10.0896% | 2,096 |
| Efficiency ratio | 79.4394% | 2,273 |
| Assets per employee ($millions) | 3.2959% | 5,453 |
| Cash dividends to net income (ytd only)* | 30.6054% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 2,604 |
| Loan loss allowance to noncurrent loans | 79.1571% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6180% | 3,298 |
| Noncurrent loans to loans | 2.3804% | 2,521 |
| Net loans and leases to total assets | 55.4097% | 4,560 |
| Net loans and leases to deposits | 63.4006% | 4,837 |
| Net loans and leases to core deposits | 72.4107% | 4,251 |
| Total domestic deposits to total assets | 87.3961% | 2,537 |
| Equity capital to assets | 9.5447% | 4,998 |
| Core capital (leverage) ratio | 9.2936% | 4,463 |
| Tier 1 risk-based capital ratio | 14.9435% | 3,800 |
| Total risk-based capital ratio | 16.1997% | 3,750 |
| Memoranda: | ||
| Average total assets | $309,693,330 | 2,100 |
| Average earning assets | $261,022,000 | 2,251 |
| Average equity | $30,516,330 | 2,229 |
| Average total loans | $182,768,670 | 2,187 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 707 |
| Cost of funding earning assets | 1.1368% | 1,226 |
| Net interest margin | 4.4043% | 1,218 |
| Noninterest income to average assets | 0.6666% | 2,831 |
| Noninterest expense to average assets | 3.2312% | 2,503 |
| Loan and lease loss provision to assets | 0.2772% | 2,242 |
| Net operating income to assets | 0.6679% | 4,039 |
| Return on assets (ROA) | 0.6679% | 4,255 |
| Pretax return on assets | 0.7788% | 4,497 |
| Return on Equity (ROE) | 6.6667% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.6667% | 2,599 |
| Net charge-offs to loans | 0.1880% | 2,976 |
| Credit loss provision to net charge-offs | 244.1860% | 1,166 |
| Earnings coverage of net charge-offs (x) | 9.3023% | 1,856 |
| Efficiency ratio | 75.3695% | 2,876 |
| Assets per employee ($millions) | 3.1446% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 2,924 |
| Loan loss allowance to noncurrent loans | 70.0504% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.8643% | 3,100 |
| Noncurrent loans to loans | 2.6005% | 2,506 |
| Net loans and leases to total assets | 59.5050% | 3,778 |
| Net loans and leases to deposits | 68.9936% | 3,877 |
| Net loans and leases to core deposits | 79.5960% | 3,107 |
| Total domestic deposits to total assets | 86.2471% | 3,387 |
| Equity capital to assets | 10.1246% | 3,953 |
| Core capital (leverage) ratio | 10.0807% | 3,270 |
| Tier 1 risk-based capital ratio | 15.2972% | 3,560 |
| Total risk-based capital ratio | 16.5531% | 3,510 |
| Memoranda: | ||
| Average total assets | $303,042,000 | 2,150 |
| Average earning assets | $249,121,000 | 2,372 |
| Average equity | $30,360,000 | 2,241 |
| Average total loans | $182,949,000 | 2,195 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7746% | 673 |
| Cost of funding earning assets | 1.2204% | 1,896 |
| Net interest margin | 4.5542% | 1,019 |
| Noninterest income to average assets | 0.7948% | 2,090 |
| Noninterest expense to average assets | 3.5301% | 1,915 |
| Loan and lease loss provision to assets | 0.2904% | 3,343 |
| Net operating income to assets | 0.7617% | 3,210 |
| Return on assets (ROA) | 0.7090% | 3,625 |
| Pretax return on assets | 0.7909% | 4,012 |
| Return on Equity (ROE) | 6.9196% | 3,431 |
| Retained earnings to average equity (ytd only) | 5.0588% | 2,596 |
| Net charge-offs to loans | 0.2254% | 4,372 |
| Credit loss provision to net charge-offs | 207.2139% | 1,192 |
| Earnings coverage of net charge-offs (x) | 8.1343% | 2,207 |
| Efficiency ratio | 75.5916% | 2,960 |
| Assets per employee ($millions) | 3.1361% | 5,835 |
| Cash dividends to net income (ytd only)* | 26.8928% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 3,006 |
| Loan loss allowance to noncurrent loans | 61.5695% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.1167% | 2,831 |
| Noncurrent loans to loans | 2.8491% | 2,295 |
| Net loans and leases to total assets | 59.0796% | 4,182 |
| Net loans and leases to deposits | 68.9677% | 4,279 |
| Net loans and leases to core deposits | 78.2575% | 3,652 |
| Total domestic deposits to total assets | 85.6626% | 3,504 |
| Equity capital to assets | 9.9131% | 4,284 |
| Core capital (leverage) ratio | 9.9835% | 3,356 |
| Tier 1 risk-based capital ratio | 14.9315% | 3,680 |
| Total risk-based capital ratio | 16.1861% | 3,640 |
| Memoranda: | ||
| Average total assets | $286,878,000 | 2,222 |
| Average earning assets | $244,104,600 | 2,357 |
| Average equity | $29,394,600 | 2,238 |
| Average total loans | $178,349,200 | 2,274 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7803% | 726 |
| Cost of funding earning assets | 1.2320% | 2,105 |
| Net interest margin | 4.5484% | 1,045 |
| Noninterest income to average assets | 0.7932% | 2,084 |
| Noninterest expense to average assets | 3.5689% | 1,774 |
| Loan and lease loss provision to assets | 0.2742% | 3,316 |
| Net operating income to assets | 0.7692% | 3,303 |
| Return on assets (ROA) | 0.7277% | 3,655 |
| Pretax return on assets | 0.8216% | 4,050 |
| Return on Equity (ROE) | 7.0399% | 3,509 |
| Retained earnings to average equity (ytd only) | 5.7935% | 2,680 |
| Net charge-offs to loans | 0.1422% | 4,644 |
| Credit loss provision to net charge-offs | 307.4074% | 926 |
| Earnings coverage of net charge-offs (x) | 12.8097% | 1,668 |
| Efficiency ratio | 75.7512% | 2,876 |
| Assets per employee ($millions) | 2.9581% | 6,212 |
| Cash dividends to net income (ytd only)* | 17.7042% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7302% | 3,170 |
| Loan loss allowance to noncurrent loans | 71.9800% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.9112% | 3,251 |
| Noncurrent loans to loans | 2.4038% | 2,882 |
| Net loans and leases to total assets | 62.7466% | 3,559 |
| Net loans and leases to deposits | 73.7811% | 3,686 |
| Net loans and leases to core deposits | 87.6970% | 2,529 |
| Total domestic deposits to total assets | 85.0443% | 3,749 |
| Equity capital to assets | 10.4585% | 3,762 |
| Core capital (leverage) ratio | 10.2597% | 3,123 |
| Tier 1 risk-based capital ratio | 15.0180% | 3,650 |
| Total risk-based capital ratio | 16.2729% | 3,615 |
| Memoranda: | ||
| Average total assets | $282,546,250 | 2,254 |
| Average earning assets | $243,393,500 | 2,372 |
| Average equity | $29,204,250 | 2,255 |
| Average total loans | $177,203,500 | 2,301 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8307% | 676 |
| Cost of funding earning assets | 1.2617% | 2,171 |
| Net interest margin | 4.5691% | 969 |
| Noninterest income to average assets | 0.7457% | 2,279 |
| Noninterest expense to average assets | 3.4552% | 2,107 |
| Loan and lease loss provision to assets | 0.2853% | 3,097 |
| Net operating income to assets | 0.7679% | 3,211 |
| Return on assets (ROA) | 0.7685% | 3,342 |
| Pretax return on assets | 0.9406% | 3,470 |
| Return on Equity (ROE) | 7.4647% | 3,211 |
| Retained earnings to average equity (ytd only) | 5.5778% | 2,652 |
| Net charge-offs to loans | 0.2146% | 3,848 |
| Credit loss provision to net charge-offs | 213.2979% | 1,407 |
| Earnings coverage of net charge-offs (x) | 9.1596% | 1,958 |
| Efficiency ratio | 73.8218% | 3,390 |
| Assets per employee ($millions) | 2.9713% | 6,144 |
| Cash dividends to net income (ytd only)* | 25.2778% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 3,432 |
| Loan loss allowance to noncurrent loans | 89.5777% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.5552% | 3,860 |
| Noncurrent loans to loans | 1.8603% | 3,664 |
| Net loans and leases to total assets | 62.5260% | 3,783 |
| Net loans and leases to deposits | 74.3790% | 3,738 |
| Net loans and leases to core deposits | 89.9181% | 2,380 |
| Total domestic deposits to total assets | 84.0640% | 4,316 |
| Equity capital to assets | 10.4225% | 3,616 |
| Core capital (leverage) ratio | 10.1771% | 3,058 |
| Tier 1 risk-based capital ratio | 15.1045% | 3,447 |
| Total risk-based capital ratio | 16.3586% | 3,412 |
| Memoranda: | ||
| Average total assets | $281,083,330 | 2,279 |
| Average earning assets | $242,063,000 | 2,407 |
| Average equity | $28,936,000 | 2,247 |
| Average total loans | $175,200,670 | 2,348 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8836% | 619 |
| Cost of funding earning assets | 1.3086% | 2,129 |
| Net interest margin | 4.5751% | 907 |
| Noninterest income to average assets | 0.6703% | 2,727 |
| Noninterest expense to average assets | 3.4540% | 2,135 |
| Loan and lease loss provision to assets | 0.2153% | 3,496 |
| Net operating income to assets | 0.8043% | 3,009 |
| Return on assets (ROA) | 0.8043% | 3,074 |
| Pretax return on assets | 0.8999% | 3,493 |
| Return on Equity (ROE) | 7.8623% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.8623% | 1,789 |
| Net charge-offs to loans | 0.1803% | 3,410 |
| Credit loss provision to net charge-offs | 193.5897% | 1,528 |
| Earnings coverage of net charge-offs (x) | 10.0256% | 1,667 |
| Efficiency ratio | 75.5930% | 3,229 |
| Assets per employee ($millions) | 2.8943% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 3,631 |
| Loan loss allowance to noncurrent loans | 72.1772% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 3,780 |
| Noncurrent loans to loans | 2.2507% | 3,254 |
| Net loans and leases to total assets | 62.1362% | 3,823 |
| Net loans and leases to deposits | 73.7021% | 3,806 |
| Net loans and leases to core deposits | 89.2118% | 2,455 |
| Total domestic deposits to total assets | 84.3072% | 4,366 |
| Equity capital to assets | 10.4055% | 3,276 |
| Core capital (leverage) ratio | 10.2935% | 2,810 |
| Tier 1 risk-based capital ratio | 15.3652% | 3,228 |
| Total risk-based capital ratio | 16.6189% | 3,189 |
| Memoranda: | ||
| Average total assets | $280,488,500 | 2,300 |
| Average earning assets | $239,035,500 | 2,456 |
| Average equity | $28,694,000 | 2,256 |
| Average total loans | $173,058,500 | 2,388 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0343% | 792 |
| Cost of funding earning assets | 1.5713% | 2,235 |
| Net interest margin | 4.4631% | 1,314 |
| Noninterest income to average assets | 0.7662% | 2,453 |
| Noninterest expense to average assets | 3.6207% | 1,874 |
| Loan and lease loss provision to assets | 0.3539% | 4,005 |
| Net operating income to assets | 0.5134% | 4,035 |
| Return on assets (ROA) | 0.5172% | 4,173 |
| Pretax return on assets | 0.5540% | 4,465 |
| Return on Equity (ROE) | 5.0145% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.5130% | 3,405 |
| Net charge-offs to loans | 0.2148% | 5,003 |
| Credit loss provision to net charge-offs | 262.1253% | 1,074 |
| Earnings coverage of net charge-offs (x) | 6.6948% | 2,304 |
| Efficiency ratio | 80.0244% | 2,413 |
| Assets per employee ($millions) | 2.9492% | 6,209 |
| Cash dividends to net income (ytd only)* | 29.9431% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 3,475 |
| Loan loss allowance to noncurrent loans | 96.4249% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.3411% | 4,333 |
| Noncurrent loans to loans | 1.6886% | 3,968 |
| Net loans and leases to total assets | 59.2817% | 4,792 |
| Net loans and leases to deposits | 71.9648% | 4,526 |
| Net loans and leases to core deposits | 86.3641% | 3,271 |
| Total domestic deposits to total assets | 82.3759% | 5,069 |
| Equity capital to assets | 10.0578% | 3,675 |
| Core capital (leverage) ratio | 10.0746% | 2,998 |
| Tier 1 risk-based capital ratio | 15.3154% | 3,090 |
| Total risk-based capital ratio | 16.5689% | 3,044 |
| Memoranda: | ||
| Average total assets | $271,857,200 | 2,347 |
| Average earning assets | $228,923,200 | 2,537 |
| Average equity | $28,038,800 | 2,309 |
| Average total loans | $170,856,600 | 2,458 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0799% | 792 |
| Cost of funding earning assets | 1.6002% | 2,385 |
| Net interest margin | 4.4797% | 1,303 |
| Noninterest income to average assets | 0.8122% | 2,167 |
| Noninterest expense to average assets | 3.7034% | 1,556 |
| Loan and lease loss provision to assets | 0.3999% | 3,507 |
| Net operating income to assets | 0.4577% | 4,503 |
| Return on assets (ROA) | 0.4629% | 4,660 |
| Pretax return on assets | 0.4936% | 4,947 |
| Return on Equity (ROE) | 4.4587% | 4,575 |
| Retained earnings to average equity (ytd only) | 3.5899% | 3,920 |
| Net charge-offs to loans | 0.1981% | 4,758 |
| Credit loss provision to net charge-offs | 317.7165% | 992 |
| Earnings coverage of net charge-offs (x) | 7.0551% | 2,392 |
| Efficiency ratio | 80.6584% | 2,257 |
| Assets per employee ($millions) | 2.8646% | 6,458 |
| Cash dividends to net income (ytd only)* | 19.4861% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 3,602 |
| Loan loss allowance to noncurrent loans | 83.9264% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5672% | 4,093 |
| Noncurrent loans to loans | 1.8870% | 3,816 |
| Net loans and leases to total assets | 61.8271% | 4,567 |
| Net loans and leases to deposits | 75.4408% | 4,275 |
| Net loans and leases to core deposits | 90.7944% | 2,984 |
| Total domestic deposits to total assets | 81.9544% | 5,015 |
| Equity capital to assets | 10.3253% | 3,732 |
| Core capital (leverage) ratio | 10.0155% | 3,240 |
| Tier 1 risk-based capital ratio | 15.1390% | 3,187 |
| Total risk-based capital ratio | 16.3918% | 3,162 |
| Memoranda: | ||
| Average total assets | $269,040,750 | 2,405 |
| Average earning assets | $226,971,500 | 2,590 |
| Average equity | $27,929,500 | 2,342 |
| Average total loans | $170,916,250 | 2,495 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1011% | 753 |
| Cost of funding earning assets | 1.6277% | 2,496 |
| Net interest margin | 4.4734% | 1,260 |
| Noninterest income to average assets | 0.7953% | 2,142 |
| Noninterest expense to average assets | 3.9722% | 1,078 |
| Loan and lease loss provision to assets | 0.3962% | 3,341 |
| Net operating income to assets | 0.1955% | 5,578 |
| Return on assets (ROA) | 0.2037% | 5,679 |
| Pretax return on assets | 0.2037% | 5,762 |
| Return on Equity (ROE) | 1.9586% | 5,646 |
| Retained earnings to average equity (ytd only) | 0.6481% | 5,503 |
| Net charge-offs to loans | 0.2137% | 4,326 |
| Credit loss provision to net charge-offs | 290.6593% | 1,279 |
| Earnings coverage of net charge-offs (x) | 4.3407% | 2,982 |
| Efficiency ratio | 87.0364% | 1,600 |
| Assets per employee ($millions) | 2.7617% | 6,654 |
| Cash dividends to net income (ytd only)* | 66.9118% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 4,038 |
| Loan loss allowance to noncurrent loans | 108.8640% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 4,581 |
| Noncurrent loans to loans | 1.3549% | 4,680 |
| Net loans and leases to total assets | 62.4403% | 4,595 |
| Net loans and leases to deposits | 77.2771% | 4,117 |
| Net loans and leases to core deposits | 95.4002% | 2,520 |
| Total domestic deposits to total assets | 80.8006% | 5,474 |
| Equity capital to assets | 10.3379% | 3,600 |
| Core capital (leverage) ratio | 10.0281% | 3,132 |
| Tier 1 risk-based capital ratio | 14.7699% | 3,276 |
| Total risk-based capital ratio | 16.0217% | 3,249 |
| Memoranda: | ||
| Average total assets | $267,053,000 | 2,443 |
| Average earning assets | $224,975,670 | 2,625 |
| Average equity | $27,774,330 | 2,349 |
| Average total loans | $170,300,670 | 2,535 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1880% | 656 |
| Cost of funding earning assets | 1.6648% | 2,568 |
| Net interest margin | 4.5233% | 1,094 |
| Noninterest income to average assets | 0.9018% | 1,618 |
| Noninterest expense to average assets | 3.7096% | 1,497 |
| Loan and lease loss provision to assets | 0.4539% | 2,696 |
| Net operating income to assets | 0.5067% | 4,362 |
| Return on assets (ROA) | 0.5067% | 4,504 |
| Pretax return on assets | 0.5323% | 4,845 |
| Return on Equity (ROE) | 4.8569% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.6979% | 3,326 |
| Net charge-offs to loans | 0.1697% | 3,904 |
| Credit loss provision to net charge-offs | 418.0556% | 987 |
| Earnings coverage of net charge-offs (x) | 9.0833% | 1,899 |
| Efficiency ratio | 78.9981% | 2,725 |
| Assets per employee ($millions) | 2.6968% | 6,869 |
| Cash dividends to net income (ytd only)* | 3.2738% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 4,282 |
| Loan loss allowance to noncurrent loans | 130.5901% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 4,949 |
| Noncurrent loans to loans | 1.0931% | 5,176 |
| Net loans and leases to total assets | 63.0234% | 4,530 |
| Net loans and leases to deposits | 78.3084% | 3,978 |
| Net loans and leases to core deposits | 96.9257% | 2,469 |
| Total domestic deposits to total assets | 80.4810% | 5,627 |
| Equity capital to assets | 10.5613% | 3,185 |
| Core capital (leverage) ratio | 10.2424% | 2,882 |
| Tier 1 risk-based capital ratio | 15.1623% | 3,031 |
| Total risk-based capital ratio | 16.4134% | 2,993 |
| Memoranda: | ||
| Average total assets | $265,257,500 | 2,513 |
| Average earning assets | $222,493,500 | 2,706 |
| Average equity | $27,672,000 | 2,394 |
| Average total loans | $169,690,500 | 2,615 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2387% | 1,142 |
| Cost of funding earning assets | 1.8279% | 3,846 |
| Net interest margin | 4.4108% | 1,400 |
| Noninterest income to average assets | 1.0023% | 1,566 |
| Noninterest expense to average assets | 4.0715% | 1,268 |
| Loan and lease loss provision to assets | 0.2646% | 5,292 |
| Net operating income to assets | 0.4301% | 4,005 |
| Return on assets (ROA) | 0.4458% | 4,068 |
| Pretax return on assets | 0.4603% | 4,320 |
| Return on Equity (ROE) | 4.0862% | 4,047 |
| Retained earnings to average equity (ytd only) | 2.1926% | 3,573 |
| Net charge-offs to loans | 0.1618% | 5,660 |
| Credit loss provision to net charge-offs | 256.6406% | 1,369 |
| Earnings coverage of net charge-offs (x) | 6.8750% | 2,272 |
| Efficiency ratio | 85.1740% | 2,201 |
| Assets per employee ($millions) | 2.7166% | 6,821 |
| Cash dividends to net income (ytd only)* | 46.3415% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 4,865 |
| Loan loss allowance to noncurrent loans | 112.6419% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0551% | 4,987 |
| Noncurrent loans to loans | 1.1373% | 5,058 |
| Net loans and leases to total assets | 63.1877% | 4,773 |
| Net loans and leases to deposits | 78.6829% | 4,239 |
| Net loans and leases to core deposits | 100.6431% | 3,936 |
| Total domestic deposits to total assets | 80.3068% | 5,586 |
| Equity capital to assets | 10.3039% | 3,398 |
| Core capital (leverage) ratio | 10.3537% | 2,733 |
| Tier 1 risk-based capital ratio | 14.8466% | 3,029 |
| Total risk-based capital ratio | 16.0561% | 2,996 |
| Memoranda: | ||
| Average total assets | $248,339,000 | 2,625 |
| Average earning assets | $212,705,800 | 2,801 |
| Average equity | $27,091,200 | 2,442 |
| Average total loans | $158,204,400 | 2,796 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2196% | 1,323 |
| Cost of funding earning assets | 1.8497% | 4,157 |
| Net interest margin | 4.3699% | 1,528 |
| Noninterest income to average assets | 1.0175% | 1,538 |
| Noninterest expense to average assets | 3.9425% | 1,365 |
| Loan and lease loss provision to assets | 0.3160% | 4,450 |
| Net operating income to assets | 0.4910% | 4,020 |
| Return on assets (ROA) | 0.4910% | 4,119 |
| Pretax return on assets | 0.5178% | 4,461 |
| Return on Equity (ROE) | 4.4335% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.7450% | 3,797 |
| Net charge-offs to loans | 0.1418% | 5,282 |
| Credit loss provision to net charge-offs | 350.3030% | 1,171 |
| Earnings coverage of net charge-offs (x) | 9.2426% | 2,132 |
| Efficiency ratio | 82.5435% | 2,509 |
| Assets per employee ($millions) | 2.6463% | 6,949 |
| Cash dividends to net income (ytd only)* | 38.0849% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 4,352 |
| Loan loss allowance to noncurrent loans | 148.7127% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 5,329 |
| Noncurrent loans to loans | 0.8911% | 5,501 |
| Net loans and leases to total assets | 63.0228% | 5,059 |
| Net loans and leases to deposits | 78.8756% | 4,583 |
| Net loans and leases to core deposits | 99.8430% | 4,393 |
| Total domestic deposits to total assets | 79.9015% | 5,470 |
| Equity capital to assets | 10.5837% | 3,417 |
| Core capital (leverage) ratio | 10.8544% | 2,524 |
| Tier 1 risk-based capital ratio | 15.3055% | 2,911 |
| Total risk-based capital ratio | 16.5553% | 2,852 |
| Memoranda: | ||
| Average total assets | $243,866,500 | 2,689 |
| Average earning assets | $209,763,000 | 2,860 |
| Average equity | $27,006,000 | 2,471 |
| Average total loans | $155,153,750 | 2,868 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2386% | 1,363 |
| Cost of funding earning assets | 1.9097% | 4,214 |
| Net interest margin | 4.3289% | 1,578 |
| Noninterest income to average assets | 1.0171% | 1,534 |
| Noninterest expense to average assets | 3.9730% | 1,364 |
| Loan and lease loss provision to assets | 0.2078% | 4,967 |
| Net operating income to assets | 0.5345% | 3,964 |
| Return on assets (ROA) | 0.5345% | 4,069 |
| Pretax return on assets | 0.5739% | 4,389 |
| Return on Equity (ROE) | 4.7507% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.2041% | 4,114 |
| Net charge-offs to loans | 0.1385% | 4,787 |
| Credit loss provision to net charge-offs | 236.1905% | 1,966 |
| Earnings coverage of net charge-offs (x) | 8.8857% | 2,201 |
| Efficiency ratio | 83.5595% | 2,530 |
| Assets per employee ($millions) | 2.4116% | 7,411 |
| Cash dividends to net income (ytd only)* | 53.6050% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 4,823 |
| Loan loss allowance to noncurrent loans | 123.7942% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 5,082 |
| Noncurrent loans to loans | 0.9844% | 5,235 |
| Net loans and leases to total assets | 64.7038% | 4,835 |
| Net loans and leases to deposits | 83.5337% | 3,963 |
| Net loans and leases to core deposits | 99.7788% | 4,530 |
| Total domestic deposits to total assets | 77.4583% | 6,211 |
| Equity capital to assets | 11.1610% | 2,786 |
| Core capital (leverage) ratio | 11.1071% | 2,325 |
| Tier 1 risk-based capital ratio | 16.0611% | 2,605 |
| Total risk-based capital ratio | 17.2290% | 2,575 |
| Memoranda: | ||
| Average total assets | $238,711,000 | 2,766 |
| Average earning assets | $206,102,330 | 2,921 |
| Average equity | $26,859,000 | 2,493 |
| Average total loans | $151,660,330 | 2,947 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2940% | 1,318 |
| Cost of funding earning assets | 1.9438% | 4,406 |
| Net interest margin | 4.3501% | 1,462 |
| Noninterest income to average assets | 1.0291% | 1,409 |
| Noninterest expense to average assets | 4.0777% | 1,094 |
| Loan and lease loss provision to assets | 0.2072% | 4,371 |
| Net operating income to assets | 0.4800% | 4,520 |
| Return on assets (ROA) | 0.4800% | 4,707 |
| Pretax return on assets | 0.4986% | 5,082 |
| Return on Equity (ROE) | 4.2489% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.2489% | 3,544 |
| Net charge-offs to loans | 0.1751% | 3,586 |
| Credit loss provision to net charge-offs | 189.2308% | 2,320 |
| Earnings coverage of net charge-offs (x) | 6.4462% | 2,498 |
| Efficiency ratio | 85.2465% | 2,170 |
| Assets per employee ($millions) | 2.3812% | 7,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 4,604 |
| Loan loss allowance to noncurrent loans | 111.6505% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 4,654 |
| Noncurrent loans to loans | 1.0991% | 4,788 |
| Net loans and leases to total assets | 62.1945% | 5,284 |
| Net loans and leases to deposits | 82.4415% | 4,216 |
| Net loans and leases to core deposits | 97.6842% | 4,775 |
| Total domestic deposits to total assets | 75.4409% | 6,612 |
| Equity capital to assets | 11.3741% | 2,673 |
| Core capital (leverage) ratio | 11.3191% | 2,261 |
| Tier 1 risk-based capital ratio | 16.6988% | 2,450 |
| Total risk-based capital ratio | 17.8604% | 2,403 |
| Memoranda: | ||
| Average total assets | $237,485,500 | 2,794 |
| Average earning assets | $204,958,500 | 2,947 |
| Average equity | $26,830,500 | 2,503 |
| Average total loans | $148,507,500 | 3,029 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0720% | 965 |
| Cost of funding earning assets | 2.4878% | 4,270 |
| Net interest margin | 4.5842% | 1,223 |
| Noninterest income to average assets | 1.2487% | 951 |
| Noninterest expense to average assets | 3.7505% | 1,855 |
| Loan and lease loss provision to assets | 0.2256% | 4,630 |
| Net operating income to assets | 0.9404% | 2,829 |
| Return on assets (ROA) | 0.9475% | 2,658 |
| Pretax return on assets | 1.2390% | 2,516 |
| Return on Equity (ROE) | 8.3897% | 2,893 |
| Retained earnings to average equity (ytd only) | 5.8085% | 1,616 |
| Net charge-offs to loans | 0.2730% | 3,583 |
| Credit loss provision to net charge-offs | 131.4433% | 4,054 |
| Earnings coverage of net charge-offs (x) | 8.4794% | 2,877 |
| Efficiency ratio | 72.0452% | 3,927 |
| Assets per employee ($millions) | 2.3685% | 7,456 |
| Cash dividends to net income (ytd only)* | 30.7656% | 4,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 4,445 |
| Loan loss allowance to noncurrent loans | 116.3945% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 4,396 |
| Noncurrent loans to loans | 1.0409% | 4,500 |
| Net loans and leases to total assets | 61.3446% | 5,721 |
| Net loans and leases to deposits | 80.3855% | 4,978 |
| Net loans and leases to core deposits | 94.5580% | 5,397 |
| Total domestic deposits to total assets | 76.3131% | 6,162 |
| Equity capital to assets | 11.2209% | 2,869 |
| Core capital (leverage) ratio | 11.3006% | 2,369 |
| Tier 1 risk-based capital ratio | 16.7025% | 2,415 |
| Total risk-based capital ratio | 17.8407% | 2,387 |
| Memoranda: | ||
| Average total assets | $226,076,000 | 2,817 |
| Average earning assets | $195,148,800 | 2,958 |
| Average equity | $25,531,400 | 2,597 |
| Average total loans | $142,140,800 | 3,057 |