Home > Premier Bank > Performance and Condition Ratios
Premier Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2430% | 465 |
| Cost of funding earning assets | 2.4130% | 447 |
| Net interest margin | 3.8299% | 1,514 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.7162% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0986% | 401 |
| Return on assets (ROA) | 1.8609% | 539 |
| Pretax return on assets | 1.9405% | 734 |
| Return on Equity (ROE) | 13.8000% | 1,526 |
| Retained earnings to average equity (ytd only) | 7.8456% | 1,592 |
| Net charge-offs to loans | 0.1660% | 632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 15.3390% | 2,047 |
| Efficiency ratio | 43.7011% | 4,257 |
| Assets per employee ($millions) | 11.4770% | 470 |
| Cash dividends to net income (ytd only)* | 43.1601% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 1,519 |
| Loan loss allowance to noncurrent loans | 1,774.8166% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,119 |
| Noncurrent loans to loans | 0.0770% | 3,170 |
| Net loans and leases to total assets | 86.0800% | 156 |
| Net loans and leases to deposits | 103.9029% | 365 |
| Net loans and leases to core deposits | 118.5144% | 676 |
| Total domestic deposits to total assets | 82.8400% | 2,931 |
| Equity capital to assets | 13.3447% | 793 |
| Core capital (leverage) ratio | 12.9583% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $572,730,800 | 1,541 |
| Average earning assets | $543,298,600 | 1,512 |
| Average equity | $77,215,200 | 1,160 |
| Average total loans | $492,091,400 | 1,248 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1906% | 426 |
| Cost of funding earning assets | 2.2632% | 441 |
| Net interest margin | 3.9274% | 1,351 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.7747% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0670% | 458 |
| Return on assets (ROA) | 2.0670% | 453 |
| Pretax return on assets | 2.1722% | 581 |
| Return on Equity (ROE) | 15.2900% | 1,395 |
| Retained earnings to average equity (ytd only) | 9.3422% | 1,592 |
| Net charge-offs to loans | 0.2217% | 398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 11.4539% | 2,095 |
| Efficiency ratio | 44.6768% | 4,200 |
| Assets per employee ($millions) | 11.0265% | 496 |
| Cash dividends to net income (ytd only)* | 38.8972% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,252 |
| Loan loss allowance to noncurrent loans | 1,055.7329% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 2,199 |
| Noncurrent loans to loans | 0.1373% | 2,870 |
| Net loans and leases to total assets | 86.2200% | 149 |
| Net loans and leases to deposits | 100.7814% | 478 |
| Net loans and leases to core deposits | 114.7953% | 698 |
| Total domestic deposits to total assets | 85.5500% | 2,334 |
| Equity capital to assets | 13.5134% | 720 |
| Core capital (leverage) ratio | 13.2061% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $563,843,250 | 1,568 |
| Average earning assets | $534,149,750 | 1,541 |
| Average equity | $76,225,750 | 1,164 |
| Average total loans | $482,404,750 | 1,267 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0401% | 426 |
| Cost of funding earning assets | 2.0507% | 442 |
| Net interest margin | 3.9893% | 1,264 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.9117% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9916% | 475 |
| Return on assets (ROA) | 1.9916% | 472 |
| Pretax return on assets | 2.0907% | 636 |
| Return on Equity (ROE) | 14.7300% | 1,523 |
| Retained earnings to average equity (ytd only) | 8.9913% | 1,689 |
| Net charge-offs to loans | 0.3534% | 241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 6.9691% | 2,102 |
| Efficiency ratio | 47.4510% | 4,098 |
| Assets per employee ($millions) | 10.8681% | 526 |
| Cash dividends to net income (ytd only)* | 38.9575% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,239 |
| Loan loss allowance to noncurrent loans | 860.2854% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 1,981 |
| Noncurrent loans to loans | 0.1721% | 2,619 |
| Net loans and leases to total assets | 85.2100% | 191 |
| Net loans and leases to deposits | 99.6206% | 531 |
| Net loans and leases to core deposits | 110.6486% | 799 |
| Total domestic deposits to total assets | 85.5300% | 2,383 |
| Equity capital to assets | 13.6226% | 694 |
| Core capital (leverage) ratio | 13.1190% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $560,665,333 | 1,579 |
| Average earning assets | $531,318,333 | 1,548 |
| Average equity | $75,806,667 | 1,164 |
| Average total loans | $475,987,333 | 1,264 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9487% | 329 |
| Cost of funding earning assets | 1.8481% | 409 |
| Net interest margin | 4.1007% | 1,095 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.2313% | 3,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8044% | 661 |
| Return on assets (ROA) | 1.8044% | 652 |
| Pretax return on assets | 1.8831% | 932 |
| Return on Equity (ROE) | 13.4000% | 1,904 |
| Retained earnings to average equity (ytd only) | 13.3960% | 1,030 |
| Net charge-offs to loans | 0.0094% | 1,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 445 |
| Efficiency ratio | 53.8997% | 3,610 |
| Assets per employee ($millions) | 10.6052% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 779 |
| Loan loss allowance to noncurrent loans | 540.9121% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 1,432 |
| Noncurrent loans to loans | 0.3175% | 2,005 |
| Net loans and leases to total assets | 82.1200% | 364 |
| Net loans and leases to deposits | 96.4525% | 626 |
| Net loans and leases to core deposits | 107.2174% | 789 |
| Total domestic deposits to total assets | 85.1400% | 2,820 |
| Equity capital to assets | 13.6207% | 648 |
| Core capital (leverage) ratio | 12.8826% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $558,427,000 | 1,602 |
| Average earning assets | $528,988,500 | 1,572 |
| Average equity | $75,216,500 | 1,179 |
| Average total loans | $469,585,000 | 1,289 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 511 |
| Cost of funding earning assets | 0.7461% | 480 |
| Net interest margin | 3.9577% | 844 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.3750% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.5876% | 136 |
| Return on assets (ROA) | 1.9115% | 337 |
| Pretax return on assets | 2.0418% | 433 |
| Return on Equity (ROE) | 14.3400% | 1,451 |
| Retained earnings to average equity (ytd only) | 1.2914% | 4,138 |
| Net charge-offs to loans | -0.0108% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 32.7624% | 4,633 |
| Assets per employee ($millions) | 10.6689% | 546 |
| Cash dividends to net income (ytd only)* | 90.9916% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 780 |
| Loan loss allowance to noncurrent loans | 527.8431% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 1,378 |
| Noncurrent loans to loans | 0.3258% | 1,982 |
| Net loans and leases to total assets | 83.1800% | 314 |
| Net loans and leases to deposits | 97.6493% | 543 |
| Net loans and leases to core deposits | 107.0269% | 709 |
| Total domestic deposits to total assets | 85.1800% | 2,945 |
| Equity capital to assets | 13.3161% | 658 |
| Core capital (leverage) ratio | 12.5100% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4139% | 1,504 |
| Memoranda: | ||
| Average total assets | $547,643,200 | 1,612 |
| Average earning assets | $519,395,000 | 1,581 |
| Average equity | $73,021,600 | 1,210 |
| Average total loans | $461,873,400 | 1,251 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 568 |
| Cost of funding earning assets | 0.5660% | 533 |
| Net interest margin | 3.8489% | 882 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.3256% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.4252% | 163 |
| Return on assets (ROA) | 2.4252% | 161 |
| Pretax return on assets | 2.5566% | 197 |
| Return on Equity (ROE) | 18.1800% | 621 |
| Retained earnings to average equity (ytd only) | 2.9373% | 3,787 |
| Net charge-offs to loans | -0.0133% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 33.5976% | 4,669 |
| Assets per employee ($millions) | 10.8282% | 524 |
| Cash dividends to net income (ytd only)* | 83.8453% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 814 |
| Loan loss allowance to noncurrent loans | 548.7424% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 1,491 |
| Noncurrent loans to loans | 0.3176% | 2,102 |
| Net loans and leases to total assets | 82.4000% | 360 |
| Net loans and leases to deposits | 96.7151% | 517 |
| Net loans and leases to core deposits | 106.0626% | 585 |
| Total domestic deposits to total assets | 85.2000% | 3,237 |
| Equity capital to assets | 12.8499% | 700 |
| Core capital (leverage) ratio | 12.8998% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5751% | 1,541 |
| Memoranda: | ||
| Average total assets | $545,858,750 | 1,632 |
| Average earning assets | $518,438,250 | 1,594 |
| Average equity | $72,808,250 | 1,226 |
| Average total loans | $459,955,250 | 1,247 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 586 |
| Cost of funding earning assets | 0.4639% | 644 |
| Net interest margin | 3.7706% | 800 |
| Noninterest income to average assets | 0.2214% | 3,869 |
| Noninterest expense to average assets | 1.2171% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.4530% | 121 |
| Return on assets (ROA) | 2.4530% | 119 |
| Pretax return on assets | 2.5862% | 151 |
| Return on Equity (ROE) | 18.1658% | 456 |
| Retained earnings to average equity (ytd only) | -1.1059% | 4,302 |
| Net charge-offs to loans | -0.0174% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4120% | 4,707 |
| Assets per employee ($millions) | 10.3475% | 595 |
| Cash dividends to net income (ytd only)* | 106.0879% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 855 |
| Loan loss allowance to noncurrent loans | 514.4133% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 1,416 |
| Noncurrent loans to loans | 0.3429% | 2,117 |
| Net loans and leases to total assets | 85.1269% | 126 |
| Net loans and leases to deposits | 100.7100% | 249 |
| Net loans and leases to core deposits | 108.7615% | 373 |
| Total domestic deposits to total assets | 84.5268% | 3,582 |
| Equity capital to assets | 13.3503% | 604 |
| Core capital (leverage) ratio | 12.5836% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4611% | 1,584 |
| Memoranda: | ||
| Average total assets | $543,732,000 | 1,642 |
| Average earning assets | $516,527,333 | 1,620 |
| Average equity | $73,423,667 | 1,251 |
| Average total loans | $458,904,000 | 1,248 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 579 |
| Cost of funding earning assets | 0.4664% | 593 |
| Net interest margin | 3.6804% | 774 |
| Noninterest income to average assets | 0.2066% | 3,923 |
| Noninterest expense to average assets | 1.1281% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.4446% | 126 |
| Return on assets (ROA) | 2.4446% | 124 |
| Pretax return on assets | 2.5795% | 161 |
| Return on Equity (ROE) | 18.0058% | 339 |
| Retained earnings to average equity (ytd only) | 18.0058% | 142 |
| Net charge-offs to loans | -0.0183% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8005% | 4,746 |
| Assets per employee ($millions) | 10.6115% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 968 |
| Loan loss allowance to noncurrent loans | 323.0028% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 1,101 |
| Noncurrent loans to loans | 0.5411% | 1,689 |
| Net loans and leases to total assets | 81.9702% | 162 |
| Net loans and leases to deposits | 97.8120% | 236 |
| Net loans and leases to core deposits | 105.7978% | 354 |
| Total domestic deposits to total assets | 83.8038% | 3,801 |
| Equity capital to assets | 13.6835% | 574 |
| Core capital (leverage) ratio | 12.9777% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2354% | 1,444 |
| Memoranda: | ||
| Average total assets | $551,736,000 | 1,627 |
| Average earning assets | $524,829,000 | 1,602 |
| Average equity | $74,909,000 | 1,258 |
| Average total loans | $459,705,500 | 1,237 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 417 |
| Cost of funding earning assets | 0.6545% | 410 |
| Net interest margin | 4.0483% | 642 |
| Noninterest income to average assets | 0.2661% | 3,789 |
| Noninterest expense to average assets | 1.6179% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.3066% | 206 |
| Return on assets (ROA) | 2.3073% | 214 |
| Pretax return on assets | 2.4347% | 282 |
| Return on Equity (ROE) | 18.0626% | 462 |
| Retained earnings to average equity (ytd only) | 10.7289% | 758 |
| Net charge-offs to loans | 0.0013% | 2,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2,262.6667% | 61 |
| Efficiency ratio | 39.2168% | 4,699 |
| Assets per employee ($millions) | 10.2162% | 626 |
| Cash dividends to net income (ytd only)* | 40.6014% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 951 |
| Loan loss allowance to noncurrent loans | 1,130.2817% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,432 |
| Noncurrent loans to loans | 0.1547% | 3,163 |
| Net loans and leases to total assets | 81.7567% | 194 |
| Net loans and leases to deposits | 98.5294% | 229 |
| Net loans and leases to core deposits | 107.6141% | 331 |
| Total domestic deposits to total assets | 82.9769% | 3,810 |
| Equity capital to assets | 13.4704% | 772 |
| Core capital (leverage) ratio | 12.4199% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $557,759,800 | 1,547 |
| Average earning assets | $521,595,800 | 1,542 |
| Average equity | $71,246,800 | 1,331 |
| Average total loans | $454,721,200 | 1,254 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 445 |
| Cost of funding earning assets | 0.7017% | 378 |
| Net interest margin | 4.0484% | 717 |
| Noninterest income to average assets | 0.2463% | 3,922 |
| Noninterest expense to average assets | 1.4664% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.4059% | 244 |
| Return on assets (ROA) | 2.4068% | 253 |
| Pretax return on assets | 2.5511% | 316 |
| Return on Equity (ROE) | 19.0990% | 504 |
| Retained earnings to average equity (ytd only) | 11.6266% | 915 |
| Net charge-offs to loans | -0.0071% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7609% | 4,814 |
| Assets per employee ($millions) | 10.3555% | 579 |
| Cash dividends to net income (ytd only)* | 39.1244% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 876 |
| Loan loss allowance to noncurrent loans | 645.9503% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 2,157 |
| Noncurrent loans to loans | 0.2834% | 2,780 |
| Net loans and leases to total assets | 78.6932% | 364 |
| Net loans and leases to deposits | 95.4581% | 364 |
| Net loans and leases to core deposits | 105.4714% | 420 |
| Total domestic deposits to total assets | 82.4375% | 3,836 |
| Equity capital to assets | 13.3371% | 892 |
| Core capital (leverage) ratio | 12.1165% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7263% | 1,714 |
| Memoranda: | ||
| Average total assets | $559,281,000 | 1,556 |
| Average earning assets | $520,852,250 | 1,551 |
| Average equity | $70,480,250 | 1,362 |
| Average total loans | $453,637,500 | 1,276 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 894 |
| Cost of funding earning assets | 0.7315% | 395 |
| Net interest margin | 3.6365% | 1,506 |
| Noninterest income to average assets | 0.2392% | 3,971 |
| Noninterest expense to average assets | 1.4503% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1242% | 382 |
| Return on assets (ROA) | 2.1256% | 405 |
| Pretax return on assets | 2.2407% | 536 |
| Return on Equity (ROE) | 17.1932% | 754 |
| Retained earnings to average equity (ytd only) | 10.2941% | 1,313 |
| Net charge-offs to loans | -0.0087% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4704% | 4,790 |
| Assets per employee ($millions) | 10.4500% | 531 |
| Cash dividends to net income (ytd only)* | 40.1271% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 922 |
| Loan loss allowance to noncurrent loans | 675.9866% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 2,365 |
| Noncurrent loans to loans | 0.2628% | 2,997 |
| Net loans and leases to total assets | 80.3752% | 295 |
| Net loans and leases to deposits | 97.5137% | 333 |
| Net loans and leases to core deposits | 109.7478% | 365 |
| Total domestic deposits to total assets | 82.4245% | 3,837 |
| Equity capital to assets | 12.7912% | 1,018 |
| Core capital (leverage) ratio | 11.3069% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4237% | 1,825 |
| Memoranda: | ||
| Average total assets | $562,761,667 | 1,544 |
| Average earning assets | $533,976,667 | 1,519 |
| Average equity | $69,574,000 | 1,363 |
| Average total loans | $458,198,667 | 1,269 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 898 |
| Cost of funding earning assets | 0.7598% | 430 |
| Net interest margin | 3.6530% | 1,441 |
| Noninterest income to average assets | 0.2250% | 4,036 |
| Noninterest expense to average assets | 1.4358% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1360% | 457 |
| Return on assets (ROA) | 2.1360% | 498 |
| Pretax return on assets | 2.2510% | 632 |
| Return on Equity (ROE) | 17.5750% | 771 |
| Retained earnings to average equity (ytd only) | 17.5750% | 386 |
| Net charge-offs to loans | -0.0061% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0834% | 4,804 |
| Assets per employee ($millions) | 10.5500% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7352% | 971 |
| Loan loss allowance to noncurrent loans | 700.6975% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 2,671 |
| Noncurrent loans to loans | 0.2476% | 3,210 |
| Net loans and leases to total assets | 79.8888% | 342 |
| Net loans and leases to deposits | 96.8308% | 382 |
| Net loans and leases to core deposits | 109.9667% | 407 |
| Total domestic deposits to total assets | 82.5035% | 3,796 |
| Equity capital to assets | 12.3393% | 1,133 |
| Core capital (leverage) ratio | 11.3961% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $567,217,000 | 1,523 |
| Average earning assets | $537,534,500 | 1,503 |
| Average equity | $68,939,000 | 1,365 |
| Average total loans | $460,693,000 | 1,264 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 683 |
| Cost of funding earning assets | 1.1862% | 297 |
| Net interest margin | 3.6522% | 1,973 |
| Noninterest income to average assets | 0.2633% | 3,900 |
| Noninterest expense to average assets | 1.4543% | 4,811 |
| Loan and lease loss provision to assets | 0.2080% | 1,894 |
| Net operating income to assets | 1.9609% | 284 |
| Return on assets (ROA) | 1.9610% | 308 |
| Pretax return on assets | 2.0617% | 400 |
| Return on Equity (ROE) | 16.3520% | 469 |
| Retained earnings to average equity (ytd only) | 1.5929% | 3,996 |
| Net charge-offs to loans | 0.0280% | 2,473 |
| Credit loss provision to net charge-offs | 902.2556% | 831 |
| Earnings coverage of net charge-offs (x) | 98.4436% | 792 |
| Efficiency ratio | 38.0627% | 4,907 |
| Assets per employee ($millions) | 10.4580% | 460 |
| Cash dividends to net income (ytd only)* | 90.2590% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 942 |
| Loan loss allowance to noncurrent loans | 347.3616% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 2,060 |
| Noncurrent loans to loans | 0.5046% | 2,459 |
| Net loans and leases to total assets | 79.7175% | 448 |
| Net loans and leases to deposits | 97.3211% | 493 |
| Net loans and leases to core deposits | 113.1492% | 430 |
| Total domestic deposits to total assets | 81.9118% | 3,682 |
| Equity capital to assets | 11.9669% | 1,586 |
| Core capital (leverage) ratio | 10.5448% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5520% | 2,030 |
| Memoranda: | ||
| Average total assets | $576,890,400 | 1,376 |
| Average earning assets | $546,624,800 | 1,361 |
| Average equity | $69,184,000 | 1,305 |
| Average total loans | $475,130,000 | 1,188 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 732 |
| Cost of funding earning assets | 1.2679% | 283 |
| Net interest margin | 3.6320% | 2,154 |
| Noninterest income to average assets | 0.2412% | 4,040 |
| Noninterest expense to average assets | 1.4213% | 4,852 |
| Loan and lease loss provision to assets | 0.2069% | 1,939 |
| Net operating income to assets | 1.9305% | 344 |
| Return on assets (ROA) | 1.9305% | 378 |
| Pretax return on assets | 2.0595% | 459 |
| Return on Equity (ROE) | 16.0893% | 539 |
| Retained earnings to average equity (ytd only) | 8.9021% | 1,010 |
| Net charge-offs to loans | 0.0295% | 2,244 |
| Credit loss provision to net charge-offs | 849.0566% | 938 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 828 |
| Efficiency ratio | 37.5187% | 4,936 |
| Assets per employee ($millions) | 10.5244% | 430 |
| Cash dividends to net income (ytd only)* | 44.6707% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 1,038 |
| Loan loss allowance to noncurrent loans | 83.4732% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.6972% | 464 |
| Noncurrent loans to loans | 1.9433% | 635 |
| Net loans and leases to total assets | 81.2829% | 498 |
| Net loans and leases to deposits | 100.5069% | 516 |
| Net loans and leases to core deposits | 120.8717% | 395 |
| Total domestic deposits to total assets | 80.8730% | 3,686 |
| Equity capital to assets | 12.3164% | 1,505 |
| Core capital (leverage) ratio | 10.9486% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8598% | 1,875 |
| Memoranda: | ||
| Average total assets | $579,930,000 | 1,349 |
| Average earning assets | $550,309,250 | 1,324 |
| Average equity | $69,584,750 | 1,294 |
| Average total loans | $479,357,250 | 1,177 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 784 |
| Cost of funding earning assets | 1.3830% | 241 |
| Net interest margin | 3.6507% | 2,314 |
| Noninterest income to average assets | 0.2320% | 4,092 |
| Noninterest expense to average assets | 1.3893% | 4,908 |
| Loan and lease loss provision to assets | 0.2068% | 1,986 |
| Net operating income to assets | 1.9659% | 354 |
| Return on assets (ROA) | 1.9659% | 397 |
| Pretax return on assets | 2.1020% | 438 |
| Return on Equity (ROE) | 16.5296% | 486 |
| Retained earnings to average equity (ytd only) | 15.2835% | 211 |
| Net charge-offs to loans | 0.0475% | 1,804 |
| Credit loss provision to net charge-offs | 526.3158% | 1,189 |
| Earnings coverage of net charge-offs (x) | 58.7632% | 976 |
| Efficiency ratio | 36.5144% | 4,975 |
| Assets per employee ($millions) | 10.6671% | 421 |
| Cash dividends to net income (ytd only)* | 7.5386% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 1,175 |
| Loan loss allowance to noncurrent loans | 71.1217% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.8423% | 421 |
| Noncurrent loans to loans | 2.1527% | 591 |
| Net loans and leases to total assets | 80.2130% | 572 |
| Net loans and leases to deposits | 99.8679% | 561 |
| Net loans and leases to core deposits | 122.8072% | 367 |
| Total domestic deposits to total assets | 80.3191% | 3,771 |
| Equity capital to assets | 12.0524% | 1,633 |
| Core capital (leverage) ratio | 10.8400% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9727% | 2,193 |
| Memoranda: | ||
| Average total assets | $580,293,333 | 1,329 |
| Average earning assets | $550,963,000 | 1,309 |
| Average equity | $69,015,667 | 1,287 |
| Average total loans | $479,724,333 | 1,154 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 551 |
| Cost of funding earning assets | 1.4897% | 285 |
| Net interest margin | 3.8097% | 1,936 |
| Noninterest income to average assets | 0.2435% | 4,104 |
| Noninterest expense to average assets | 1.3873% | 4,968 |
| Loan and lease loss provision to assets | 0.2099% | 1,460 |
| Net operating income to assets | 2.0995% | 223 |
| Return on assets (ROA) | 2.0995% | 244 |
| Pretax return on assets | 2.2604% | 260 |
| Return on Equity (ROE) | 17.7770% | 288 |
| Retained earnings to average equity (ytd only) | 16.2664% | 136 |
| Net charge-offs to loans | 0.1344% | 924 |
| Credit loss provision to net charge-offs | 187.5000% | 1,452 |
| Earnings coverage of net charge-offs (x) | 22.0688% | 1,370 |
| Efficiency ratio | 34.9111% | 5,036 |
| Assets per employee ($millions) | 10.3443% | 346 |
| Cash dividends to net income (ytd only)* | 8.4972% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 1,335 |
| Loan loss allowance to noncurrent loans | 86.8975% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.5026% | 711 |
| Noncurrent loans to loans | 1.7279% | 872 |
| Net loans and leases to total assets | 80.4353% | 646 |
| Net loans and leases to deposits | 99.2335% | 606 |
| Net loans and leases to core deposits | 122.7027% | 393 |
| Total domestic deposits to total assets | 81.0566% | 3,652 |
| Equity capital to assets | 11.9043% | 2,141 |
| Core capital (leverage) ratio | 10.9169% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9415% | 2,315 |
| Memoranda: | ||
| Average total assets | $571,762,000 | 1,305 |
| Average earning assets | $542,408,500 | 1,280 |
| Average equity | $67,525,500 | 1,305 |
| Average total loans | $476,283,000 | 1,135 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4474% | 611 |
| Cost of funding earning assets | 1.7724% | 154 |
| Net interest margin | 3.6750% | 2,886 |
| Noninterest income to average assets | 0.3001% | 3,890 |
| Noninterest expense to average assets | 1.4024% | 5,038 |
| Loan and lease loss provision to assets | 0.2477% | 747 |
| Net operating income to assets | 2.0272% | 329 |
| Return on assets (ROA) | 2.0293% | 344 |
| Pretax return on assets | 2.1271% | 445 |
| Return on Equity (ROE) | 18.1530% | 329 |
| Retained earnings to average equity (ytd only) | 9.6376% | 563 |
| Net charge-offs to loans | 0.0913% | 1,820 |
| Credit loss provision to net charge-offs | 321.8391% | 865 |
| Earnings coverage of net charge-offs (x) | 30.8276% | 1,556 |
| Efficiency ratio | 35.9111% | 5,108 |
| Assets per employee ($millions) | 9.8991% | 370 |
| Cash dividends to net income (ytd only)* | 46.9091% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,356 |
| Loan loss allowance to noncurrent loans | 478.2967% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 2,998 |
| Noncurrent loans to loans | 0.3036% | 3,349 |
| Net loans and leases to total assets | 83.7498% | 343 |
| Net loans and leases to deposits | 103.2882% | 409 |
| Net loans and leases to core deposits | 128.3357% | 297 |
| Total domestic deposits to total assets | 81.0836% | 3,746 |
| Equity capital to assets | 11.7133% | 2,346 |
| Core capital (leverage) ratio | 10.3714% | 3,103 |
| Tier 1 risk-based capital ratio | 12.1308% | 4,284 |
| Total risk-based capital ratio | 13.4010% | 4,163 |
| Memoranda: | ||
| Average total assets | $565,184,000 | 1,280 |
| Average earning assets | $534,417,000 | 1,264 |
| Average equity | $63,179,800 | 1,331 |
| Average total loans | $476,607,200 | 1,120 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 604 |
| Cost of funding earning assets | 1.7173% | 188 |
| Net interest margin | 3.7637% | 2,707 |
| Noninterest income to average assets | 0.2823% | 4,056 |
| Noninterest expense to average assets | 1.4073% | 5,108 |
| Loan and lease loss provision to assets | 0.2594% | 616 |
| Net operating income to assets | 2.0756% | 341 |
| Return on assets (ROA) | 2.0760% | 354 |
| Pretax return on assets | 2.1737% | 473 |
| Return on Equity (ROE) | 18.7959% | 331 |
| Retained earnings to average equity (ytd only) | 10.0854% | 729 |
| Net charge-offs to loans | 0.0619% | 1,936 |
| Credit loss provision to net charge-offs | 497.7376% | 637 |
| Earnings coverage of net charge-offs (x) | 46.6786% | 1,249 |
| Efficiency ratio | 35.4028% | 5,183 |
| Assets per employee ($millions) | 10.1849% | 331 |
| Cash dividends to net income (ytd only)* | 46.3426% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 1,415 |
| Loan loss allowance to noncurrent loans | 97.1743% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3105% | 920 |
| Noncurrent loans to loans | 1.4854% | 1,021 |
| Net loans and leases to total assets | 80.8931% | 719 |
| Net loans and leases to deposits | 99.6533% | 663 |
| Net loans and leases to core deposits | 124.4966% | 402 |
| Total domestic deposits to total assets | 81.1745% | 3,700 |
| Equity capital to assets | 11.1705% | 2,952 |
| Core capital (leverage) ratio | 10.3047% | 3,308 |
| Tier 1 risk-based capital ratio | 11.9833% | 4,425 |
| Total risk-based capital ratio | 13.2534% | 4,306 |
| Memoranda: | ||
| Average total assets | $565,418,500 | 1,286 |
| Average earning assets | $534,459,000 | 1,268 |
| Average equity | $62,451,750 | 1,337 |
| Average total loans | $475,879,250 | 1,124 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4628% | 607 |
| Cost of funding earning assets | 1.6898% | 189 |
| Net interest margin | 3.7730% | 2,679 |
| Noninterest income to average assets | 0.2691% | 4,137 |
| Noninterest expense to average assets | 1.4287% | 5,148 |
| Loan and lease loss provision to assets | 0.2855% | 504 |
| Net operating income to assets | 2.0347% | 362 |
| Return on assets (ROA) | 2.0358% | 382 |
| Pretax return on assets | 2.1261% | 520 |
| Return on Equity (ROE) | 18.5037% | 354 |
| Retained earnings to average equity (ytd only) | 9.7449% | 830 |
| Net charge-offs to loans | 0.0950% | 1,412 |
| Credit loss provision to net charge-offs | 353.9823% | 798 |
| Earnings coverage of net charge-offs (x) | 29.8850% | 1,464 |
| Efficiency ratio | 35.9208% | 5,220 |
| Assets per employee ($millions) | 9.7895% | 355 |
| Cash dividends to net income (ytd only)* | 47.3352% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 1,778 |
| Loan loss allowance to noncurrent loans | 146.9155% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 1,551 |
| Noncurrent loans to loans | 0.9249% | 1,767 |
| Net loans and leases to total assets | 84.0343% | 359 |
| Net loans and leases to deposits | 103.9272% | 423 |
| Net loans and leases to core deposits | 129.0001% | 337 |
| Total domestic deposits to total assets | 80.8588% | 3,860 |
| Equity capital to assets | 11.1203% | 2,931 |
| Core capital (leverage) ratio | 9.9558% | 3,634 |
| Tier 1 risk-based capital ratio | 11.3286% | 4,778 |
| Total risk-based capital ratio | 12.5965% | 4,662 |
| Memoranda: | ||
| Average total assets | $560,378,670 | 1,296 |
| Average earning assets | $530,240,670 | 1,274 |
| Average equity | $61,652,670 | 1,345 |
| Average total loans | $475,674,670 | 1,126 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3854% | 655 |
| Cost of funding earning assets | 1.6146% | 215 |
| Net interest margin | 3.7707% | 2,629 |
| Noninterest income to average assets | 0.2515% | 4,211 |
| Noninterest expense to average assets | 1.3954% | 5,222 |
| Loan and lease loss provision to assets | 0.3593% | 328 |
| Net operating income to assets | 1.9869% | 396 |
| Return on assets (ROA) | 1.9890% | 410 |
| Pretax return on assets | 2.0615% | 573 |
| Return on Equity (ROE) | 18.1779% | 381 |
| Retained earnings to average equity (ytd only) | 16.4705% | 204 |
| Net charge-offs to loans | 0.1764% | 778 |
| Credit loss provision to net charge-offs | 240.3846% | 947 |
| Earnings coverage of net charge-offs (x) | 16.1827% | 1,709 |
| Efficiency ratio | 35.2487% | 5,284 |
| Assets per employee ($millions) | 10.0182% | 339 |
| Cash dividends to net income (ytd only)* | 9.3931% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 1,957 |
| Loan loss allowance to noncurrent loans | 146.5300% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 1,611 |
| Noncurrent loans to loans | 0.9072% | 1,844 |
| Net loans and leases to total assets | 83.2473% | 438 |
| Net loans and leases to deposits | 103.0382% | 445 |
| Net loans and leases to core deposits | 127.6070% | 344 |
| Total domestic deposits to total assets | 80.7927% | 4,005 |
| Equity capital to assets | 11.1137% | 2,734 |
| Core capital (leverage) ratio | 10.0646% | 3,533 |
| Tier 1 risk-based capital ratio | 11.3809% | 4,792 |
| Total risk-based capital ratio | 12.6316% | 4,698 |
| Memoranda: | ||
| Average total assets | $556,672,500 | 1,304 |
| Average earning assets | $525,944,500 | 1,286 |
| Average equity | $60,909,000 | 1,355 |
| Average total loans | $471,656,000 | 1,137 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 592 |
| Cost of funding earning assets | 1.2453% | 278 |
| Net interest margin | 4.0444% | 1,848 |
| Noninterest income to average assets | 0.3522% | 3,746 |
| Noninterest expense to average assets | 1.4647% | 5,243 |
| Loan and lease loss provision to assets | 0.3592% | 418 |
| Net operating income to assets | 2.2682% | 224 |
| Return on assets (ROA) | 2.2651% | 217 |
| Pretax return on assets | 2.3360% | 280 |
| Return on Equity (ROE) | 21.5666% | 174 |
| Retained earnings to average equity (ytd only) | 12.6159% | 270 |
| Net charge-offs to loans | 0.1562% | 1,232 |
| Credit loss provision to net charge-offs | 261.3480% | 1,151 |
| Earnings coverage of net charge-offs (x) | 19.6314% | 2,049 |
| Efficiency ratio | 33.7481% | 5,343 |
| Assets per employee ($millions) | 9.6899% | 375 |
| Cash dividends to net income (ytd only)* | 41.5025% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 2,160 |
| Loan loss allowance to noncurrent loans | 333.4630% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 2,803 |
| Noncurrent loans to loans | 0.3828% | 3,160 |
| Net loans and leases to total assets | 84.0062% | 415 |
| Net loans and leases to deposits | 103.5963% | 504 |
| Net loans and leases to core deposits | 127.2096% | 370 |
| Total domestic deposits to total assets | 81.0899% | 3,868 |
| Equity capital to assets | 10.7668% | 2,914 |
| Core capital (leverage) ratio | 9.7119% | 3,894 |
| Tier 1 risk-based capital ratio | 10.4655% | 5,195 |
| Total risk-based capital ratio | 11.6721% | 5,117 |
| Memoranda: | ||
| Average total assets | $528,896,400 | 1,333 |
| Average earning assets | $498,370,000 | 1,317 |
| Average equity | $55,548,800 | 1,406 |
| Average total loans | $465,297,000 | 1,116 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 562 |
| Cost of funding earning assets | 1.1949% | 266 |
| Net interest margin | 4.0582% | 1,764 |
| Noninterest income to average assets | 0.3480% | 3,813 |
| Noninterest expense to average assets | 1.4454% | 5,306 |
| Loan and lease loss provision to assets | 0.3569% | 376 |
| Net operating income to assets | 2.3127% | 220 |
| Return on assets (ROA) | 2.3085% | 220 |
| Pretax return on assets | 2.3653% | 296 |
| Return on Equity (ROE) | 22.1268% | 159 |
| Retained earnings to average equity (ytd only) | 13.4359% | 310 |
| Net charge-offs to loans | 0.2083% | 812 |
| Credit loss provision to net charge-offs | 193.1034% | 1,423 |
| Earnings coverage of net charge-offs (x) | 14.7531% | 2,266 |
| Efficiency ratio | 33.1663% | 5,414 |
| Assets per employee ($millions) | 9.1180% | 433 |
| Cash dividends to net income (ytd only)* | 39.2779% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,785 |
| Loan loss allowance to noncurrent loans | 54.9496% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.0793% | 500 |
| Noncurrent loans to loans | 2.1327% | 673 |
| Net loans and leases to total assets | 86.2317% | 242 |
| Net loans and leases to deposits | 107.6328% | 369 |
| Net loans and leases to core deposits | 132.1556% | 293 |
| Total domestic deposits to total assets | 80.1166% | 4,091 |
| Equity capital to assets | 10.5660% | 3,080 |
| Core capital (leverage) ratio | 9.6890% | 3,954 |
| Tier 1 risk-based capital ratio | 10.2143% | 5,327 |
| Total risk-based capital ratio | 11.3281% | 5,305 |
| Memoranda: | ||
| Average total assets | $523,039,250 | 1,348 |
| Average earning assets | $492,850,250 | 1,334 |
| Average equity | $54,569,000 | 1,429 |
| Average total loans | $464,124,750 | 1,121 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 550 |
| Cost of funding earning assets | 1.1094% | 278 |
| Net interest margin | 4.0957% | 1,576 |
| Noninterest income to average assets | 0.3285% | 3,992 |
| Noninterest expense to average assets | 1.4133% | 5,383 |
| Loan and lease loss provision to assets | 0.3474% | 378 |
| Net operating income to assets | 2.4012% | 176 |
| Return on assets (ROA) | 2.3978% | 173 |
| Pretax return on assets | 2.4267% | 257 |
| Return on Equity (ROE) | 23.0842% | 126 |
| Retained earnings to average equity (ytd only) | 14.5805% | 231 |
| Net charge-offs to loans | 0.1947% | 805 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 15.9889% | 2,011 |
| Efficiency ratio | 32.2034% | 5,481 |
| Assets per employee ($millions) | 8.6158% | 501 |
| Cash dividends to net income (ytd only)* | 36.8379% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,088 |
| Loan loss allowance to noncurrent loans | 63.9128% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 711 |
| Noncurrent loans to loans | 1.7689% | 888 |
| Net loans and leases to total assets | 89.2523% | 94 |
| Net loans and leases to deposits | 113.0188% | 213 |
| Net loans and leases to core deposits | 139.4028% | 199 |
| Total domestic deposits to total assets | 78.9712% | 4,432 |
| Equity capital to assets | 10.6978% | 2,933 |
| Core capital (leverage) ratio | 9.5630% | 4,038 |
| Tier 1 risk-based capital ratio | 9.9700% | 5,437 |
| Total risk-based capital ratio | 11.0481% | 5,424 |
| Memoranda: | ||
| Average total assets | $518,065,000 | 1,363 |
| Average earning assets | $488,565,000 | 1,345 |
| Average equity | $53,811,670 | 1,445 |
| Average total loans | $462,368,000 | 1,128 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 562 |
| Cost of funding earning assets | 1.0434% | 302 |
| Net interest margin | 4.0784% | 1,495 |
| Noninterest income to average assets | 0.3571% | 3,758 |
| Noninterest expense to average assets | 1.4199% | 5,447 |
| Loan and lease loss provision to assets | 0.2314% | 670 |
| Net operating income to assets | 2.6000% | 124 |
| Return on assets (ROA) | 2.6000% | 125 |
| Pretax return on assets | 2.5437% | 196 |
| Return on Equity (ROE) | 25.4096% | 80 |
| Retained earnings to average equity (ytd only) | 25.0704% | 45 |
| Net charge-offs to loans | 0.0243% | 2,019 |
| Credit loss provision to net charge-offs | 1,071.4286% | 322 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 504 |
| Efficiency ratio | 32.3037% | 5,552 |
| Assets per employee ($millions) | 8.5737% | 514 |
| Cash dividends to net income (ytd only)* | 1.3349% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,374 |
| Loan loss allowance to noncurrent loans | 124.2203% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 1,793 |
| Noncurrent loans to loans | 0.8861% | 2,058 |
| Net loans and leases to total assets | 87.5817% | 156 |
| Net loans and leases to deposits | 110.8963% | 228 |
| Net loans and leases to core deposits | 136.1193% | 255 |
| Total domestic deposits to total assets | 78.9762% | 4,585 |
| Equity capital to assets | 10.4560% | 3,120 |
| Core capital (leverage) ratio | 9.4473% | 4,130 |
| Tier 1 risk-based capital ratio | 10.0112% | 5,503 |
| Total risk-based capital ratio | 11.0717% | 5,489 |
| Memoranda: | ||
| Average total assets | $518,624,000 | 1,376 |
| Average earning assets | $488,035,500 | 1,355 |
| Average equity | $53,066,500 | 1,463 |
| Average total loans | $460,220,500 | 1,136 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 787 |
| Cost of funding earning assets | 0.8851% | 408 |
| Net interest margin | 4.0190% | 1,692 |
| Noninterest income to average assets | 0.3064% | 4,267 |
| Noninterest expense to average assets | 1.5933% | 5,419 |
| Loan and lease loss provision to assets | 0.7717% | 153 |
| Net operating income to assets | 1.6061% | 645 |
| Return on assets (ROA) | 1.6079% | 657 |
| Pretax return on assets | 1.7685% | 861 |
| Return on Equity (ROE) | 13.6098% | 828 |
| Retained earnings to average equity (ytd only) | -12.8348% | 5,577 |
| Net charge-offs to loans | 0.7845% | 259 |
| Credit loss provision to net charge-offs | 108.8936% | 2,390 |
| Earnings coverage of net charge-offs (x) | 3.5816% | 3,584 |
| Efficiency ratio | 38.3904% | 5,555 |
| Assets per employee ($millions) | 8.7162% | 497 |
| Cash dividends to net income (ytd only)* | 194.3056% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,592 |
| Loan loss allowance to noncurrent loans | 118.2264% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 1,730 |
| Noncurrent loans to loans | 0.8926% | 1,991 |
| Net loans and leases to total assets | 87.9857% | 137 |
| Net loans and leases to deposits | 108.6866% | 299 |
| Net loans and leases to core deposits | 132.8684% | 288 |
| Total domestic deposits to total assets | 80.9536% | 4,125 |
| Equity capital to assets | 10.0046% | 3,701 |
| Core capital (leverage) ratio | 10.4402% | 2,914 |
| Tier 1 risk-based capital ratio | 9.5941% | 5,593 |
| Total risk-based capital ratio | 10.6115% | 5,603 |
| Memoranda: | ||
| Average total assets | $403,003,400 | 1,690 |
| Average earning assets | $383,557,400 | 1,656 |
| Average equity | $47,612,600 | 1,576 |
| Average total loans | $364,051,600 | 1,332 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 523 |
| Cost of funding earning assets | 0.8808% | 390 |
| Net interest margin | 4.1986% | 1,157 |
| Noninterest income to average assets | 0.2946% | 4,425 |
| Noninterest expense to average assets | 1.2598% | 5,636 |
| Loan and lease loss provision to assets | 0.2878% | 553 |
| Net operating income to assets | 2.6146% | 116 |
| Return on assets (ROA) | 2.6173% | 116 |
| Pretax return on assets | 2.7544% | 148 |
| Return on Equity (ROE) | 21.0483% | 172 |
| Retained earnings to average equity (ytd only) | 13.0034% | 221 |
| Net charge-offs to loans | 0.2586% | 835 |
| Credit loss provision to net charge-offs | 122.5416% | 1,979 |
| Earnings coverage of net charge-offs (x) | 12.9395% | 2,387 |
| Efficiency ratio | 29.2858% | 5,693 |
| Assets per employee ($millions) | 10.9628% | 238 |
| Cash dividends to net income (ytd only)* | 38.2213% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,080 |
| Loan loss allowance to noncurrent loans | 147.0258% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8369% | 2,052 |
| Noncurrent loans to loans | 0.9248% | 2,074 |
| Net loans and leases to total assets | 89.2619% | 107 |
| Net loans and leases to deposits | 111.6422% | 225 |
| Net loans and leases to core deposits | 144.2034% | 162 |
| Total domestic deposits to total assets | 79.9535% | 4,325 |
| Equity capital to assets | 12.6740% | 1,565 |
| Core capital (leverage) ratio | 12.2141% | 1,561 |
| Tier 1 risk-based capital ratio | 12.7853% | 4,147 |
| Total risk-based capital ratio | 14.0358% | 4,050 |
| Memoranda: | ||
| Average total assets | $375,190,750 | 1,820 |
| Average earning assets | $357,858,000 | 1,779 |
| Average equity | $46,653,500 | 1,628 |
| Average total loans | $340,740,500 | 1,414 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9989% | 561 |
| Cost of funding earning assets | 0.8196% | 475 |
| Net interest margin | 4.1793% | 1,123 |
| Noninterest income to average assets | 0.2836% | 4,526 |
| Noninterest expense to average assets | 1.2386% | 5,696 |
| Loan and lease loss provision to assets | 0.2739% | 576 |
| Net operating income to assets | 2.6212% | 111 |
| Return on assets (ROA) | 2.6217% | 112 |
| Pretax return on assets | 2.7592% | 148 |
| Return on Equity (ROE) | 21.2242% | 171 |
| Retained earnings to average equity (ytd only) | 14.5495% | 156 |
| Net charge-offs to loans | 0.3532% | 571 |
| Credit loss provision to net charge-offs | 85.2843% | 2,207 |
| Earnings coverage of net charge-offs (x) | 9.4415% | 2,433 |
| Efficiency ratio | 28.9864% | 5,745 |
| Assets per employee ($millions) | 11.0000% | 224 |
| Cash dividends to net income (ytd only)* | 31.4485% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 2,636 |
| Loan loss allowance to noncurrent loans | 138.3524% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 2,102 |
| Noncurrent loans to loans | 0.9093% | 2,152 |
| Net loans and leases to total assets | 91.4127% | 49 |
| Net loans and leases to deposits | 117.4869% | 125 |
| Net loans and leases to core deposits | 148.4012% | 134 |
| Total domestic deposits to total assets | 77.8067% | 4,845 |
| Equity capital to assets | 12.3203% | 1,717 |
| Core capital (leverage) ratio | 12.2261% | 1,516 |
| Tier 1 risk-based capital ratio | 12.2418% | 4,467 |
| Total risk-based capital ratio | 13.4354% | 4,383 |
| Memoranda: | ||
| Average total assets | $372,355,000 | 1,835 |
| Average earning assets | $355,277,670 | 1,786 |
| Average equity | $45,994,670 | 1,649 |
| Average total loans | $338,581,670 | 1,421 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 598 |
| Cost of funding earning assets | 0.7665% | 593 |
| Net interest margin | 4.1557% | 1,080 |
| Noninterest income to average assets | 0.2677% | 4,630 |
| Noninterest expense to average assets | 1.2906% | 5,739 |
| Loan and lease loss provision to assets | 0.1147% | 1,669 |
| Net operating income to assets | 2.6851% | 109 |
| Return on assets (ROA) | 2.6861% | 113 |
| Pretax return on assets | 2.8271% | 152 |
| Return on Equity (ROE) | 21.7159% | 158 |
| Retained earnings to average equity (ytd only) | 21.7159% | 80 |
| Net charge-offs to loans | -0.0206% | 4,760 |
| Credit loss provision to net charge-offs | -617.6471% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4752% | 5,801 |
| Assets per employee ($millions) | 10.8645% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 2,092 |
| Loan loss allowance to noncurrent loans | 116.4475% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 1,636 |
| Noncurrent loans to loans | 1.1994% | 1,684 |
| Net loans and leases to total assets | 89.7137% | 66 |
| Net loans and leases to deposits | 111.9800% | 175 |
| Net loans and leases to core deposits | 138.1581% | 186 |
| Total domestic deposits to total assets | 80.1158% | 4,598 |
| Equity capital to assets | 12.5917% | 1,469 |
| Core capital (leverage) ratio | 12.6229% | 1,278 |
| Tier 1 risk-based capital ratio | 12.7144% | 4,249 |
| Total risk-based capital ratio | 13.9652% | 4,151 |
| Memoranda: | ||
| Average total assets | $366,033,000 | 1,875 |
| Average earning assets | $349,107,500 | 1,832 |
| Average equity | $45,275,500 | 1,676 |
| Average total loans | $329,661,500 | 1,460 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7879% | 910 |
| Cost of funding earning assets | 0.7237% | 727 |
| Net interest margin | 4.0641% | 1,465 |
| Noninterest income to average assets | 0.3120% | 4,504 |
| Noninterest expense to average assets | 1.2890% | 5,812 |
| Loan and lease loss provision to assets | 0.1396% | 1,787 |
| Net operating income to assets | 2.6343% | 120 |
| Return on assets (ROA) | 2.6324% | 121 |
| Pretax return on assets | 2.7726% | 143 |
| Return on Equity (ROE) | 21.9438% | 148 |
| Retained earnings to average equity (ytd only) | 10.5978% | 348 |
| Net charge-offs to loans | 0.0308% | 3,404 |
| Credit loss provision to net charge-offs | 505.1546% | 655 |
| Earnings coverage of net charge-offs (x) | 105.4433% | 575 |
| Efficiency ratio | 30.6535% | 5,869 |
| Assets per employee ($millions) | 10.9901% | 227 |
| Cash dividends to net income (ytd only)* | 51.7047% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 2,017 |
| Loan loss allowance to noncurrent loans | 118.4456% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 1,770 |
| Noncurrent loans to loans | 1.1942% | 1,718 |
| Net loans and leases to total assets | 87.8645% | 131 |
| Net loans and leases to deposits | 109.1186% | 248 |
| Net loans and leases to core deposits | 145.3807% | 144 |
| Total domestic deposits to total assets | 80.5221% | 4,447 |
| Equity capital to assets | 12.1427% | 1,709 |
| Core capital (leverage) ratio | 11.7731% | 1,737 |
| Tier 1 risk-based capital ratio | 12.3986% | 4,443 |
| Total risk-based capital ratio | 13.6496% | 4,329 |
| Memoranda: | ||
| Average total assets | $350,973,800 | 1,900 |
| Average earning assets | $336,037,000 | 1,845 |
| Average equity | $42,103,000 | 1,759 |
| Average total loans | $314,637,400 | 1,467 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 917 |
| Cost of funding earning assets | 0.7114% | 770 |
| Net interest margin | 4.0814% | 1,431 |
| Noninterest income to average assets | 0.3084% | 4,567 |
| Noninterest expense to average assets | 1.3055% | 5,865 |
| Loan and lease loss provision to assets | 0.1475% | 1,592 |
| Net operating income to assets | 2.6278% | 138 |
| Return on assets (ROA) | 2.6252% | 138 |
| Pretax return on assets | 2.7628% | 149 |
| Return on Equity (ROE) | 21.9540% | 161 |
| Retained earnings to average equity (ytd only) | 10.2450% | 528 |
| Net charge-offs to loans | 0.0427% | 2,786 |
| Credit loss provision to net charge-offs | 385.0000% | 865 |
| Earnings coverage of net charge-offs (x) | 76.0400% | 817 |
| Efficiency ratio | 30.9299% | 5,931 |
| Assets per employee ($millions) | 11.0777% | 210 |
| Cash dividends to net income (ytd only)* | 53.3343% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 2,081 |
| Loan loss allowance to noncurrent loans | 115.3190% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 1,945 |
| Noncurrent loans to loans | 1.2360% | 1,815 |
| Net loans and leases to total assets | 84.4527% | 372 |
| Net loans and leases to deposits | 104.4316% | 434 |
| Net loans and leases to core deposits | 139.1488% | 205 |
| Total domestic deposits to total assets | 80.8690% | 4,278 |
| Equity capital to assets | 11.7249% | 2,320 |
| Core capital (leverage) ratio | 11.7108% | 1,880 |
| Tier 1 risk-based capital ratio | 12.9087% | 4,218 |
| Total risk-based capital ratio | 14.1604% | 4,131 |
| Memoranda: | ||
| Average total assets | $348,049,250 | 1,914 |
| Average earning assets | $333,437,750 | 1,861 |
| Average equity | $41,619,250 | 1,790 |
| Average total loans | $312,488,750 | 1,478 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 839 |
| Cost of funding earning assets | 0.6990% | 811 |
| Net interest margin | 4.1282% | 1,299 |
| Noninterest income to average assets | 0.2846% | 4,750 |
| Noninterest expense to average assets | 1.3039% | 5,940 |
| Loan and lease loss provision to assets | 0.1636% | 1,377 |
| Net operating income to assets | 2.6379% | 122 |
| Return on assets (ROA) | 2.6340% | 128 |
| Pretax return on assets | 2.7720% | 146 |
| Return on Equity (ROE) | 21.8760% | 160 |
| Retained earnings to average equity (ytd only) | 11.3773% | 396 |
| Net charge-offs to loans | 0.0538% | 2,432 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 59.8810% | 882 |
| Efficiency ratio | 30.7120% | 6,008 |
| Assets per employee ($millions) | 10.4167% | 245 |
| Cash dividends to net income (ytd only)* | 47.9920% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,408 |
| Loan loss allowance to noncurrent loans | 111.2382% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 1,851 |
| Noncurrent loans to loans | 1.2371% | 1,857 |
| Net loans and leases to total assets | 91.2154% | 32 |
| Net loans and leases to deposits | 114.0702% | 177 |
| Net loans and leases to core deposits | 153.4765% | 107 |
| Total domestic deposits to total assets | 79.9643% | 4,558 |
| Equity capital to assets | 12.2228% | 1,960 |
| Core capital (leverage) ratio | 11.7435% | 1,817 |
| Tier 1 risk-based capital ratio | 12.6661% | 4,406 |
| Total risk-based capital ratio | 13.9176% | 4,313 |
| Memoranda: | ||
| Average total assets | $342,211,330 | 1,951 |
| Average earning assets | $328,183,670 | 1,888 |
| Average equity | $41,205,000 | 1,805 |
| Average total loans | $312,254,330 | 1,480 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 744 |
| Cost of funding earning assets | 0.6662% | 964 |
| Net interest margin | 4.1984% | 1,103 |
| Noninterest income to average assets | 0.2601% | 4,873 |
| Noninterest expense to average assets | 1.3133% | 5,998 |
| Loan and lease loss provision to assets | 0.1230% | 1,718 |
| Net operating income to assets | 2.7132% | 118 |
| Return on assets (ROA) | 2.7132% | 118 |
| Pretax return on assets | 2.8550% | 146 |
| Return on Equity (ROE) | 22.7062% | 138 |
| Retained earnings to average equity (ytd only) | 22.7062% | 61 |
| Net charge-offs to loans | -0.0039% | 4,225 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5760% | 6,069 |
| Assets per employee ($millions) | 10.5305% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 2,564 |
| Loan loss allowance to noncurrent loans | 127.4755% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 2,291 |
| Noncurrent loans to loans | 1.0744% | 2,243 |
| Net loans and leases to total assets | 88.8408% | 91 |
| Net loans and leases to deposits | 110.7525% | 206 |
| Net loans and leases to core deposits | 139.5023% | 173 |
| Total domestic deposits to total assets | 80.2156% | 4,697 |
| Equity capital to assets | 12.0775% | 1,974 |
| Core capital (leverage) ratio | 12.2096% | 1,494 |
| Tier 1 risk-based capital ratio | 12.7373% | 4,439 |
| Total risk-based capital ratio | 13.9885% | 4,344 |
| Memoranda: | ||
| Average total assets | $341,441,500 | 1,959 |
| Average earning assets | $327,837,000 | 1,893 |
| Average equity | $40,799,500 | 1,815 |
| Average total loans | $309,417,000 | 1,484 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 741 |
| Cost of funding earning assets | 0.6390% | 1,131 |
| Net interest margin | 4.2757% | 1,007 |
| Noninterest income to average assets | 0.2772% | 4,901 |
| Noninterest expense to average assets | 1.3628% | 6,052 |
| Loan and lease loss provision to assets | 0.1136% | 2,107 |
| Net operating income to assets | 2.7190% | 116 |
| Return on assets (ROA) | 2.7253% | 118 |
| Pretax return on assets | 2.8715% | 125 |
| Return on Equity (ROE) | 22.4904% | 155 |
| Retained earnings to average equity (ytd only) | 8.9566% | 660 |
| Net charge-offs to loans | 0.0218% | 3,830 |
| Credit loss provision to net charge-offs | 571.4286% | 582 |
| Earnings coverage of net charge-offs (x) | 149.7619% | 423 |
| Efficiency ratio | 31.3773% | 6,129 |
| Assets per employee ($millions) | 10.1629% | 259 |
| Cash dividends to net income (ytd only)* | 60.1761% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,577 |
| Loan loss allowance to noncurrent loans | 194.8252% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 3,136 |
| Noncurrent loans to loans | 0.7014% | 3,094 |
| Net loans and leases to total assets | 89.9409% | 66 |
| Net loans and leases to deposits | 111.5965% | 212 |
| Net loans and leases to core deposits | 139.0653% | 178 |
| Total domestic deposits to total assets | 80.5947% | 4,588 |
| Equity capital to assets | 11.8163% | 2,097 |
| Core capital (leverage) ratio | 11.4912% | 1,965 |
| Tier 1 risk-based capital ratio | 12.3934% | 4,704 |
| Total risk-based capital ratio | 13.6447% | 4,595 |
| Memoranda: | ||
| Average total assets | $316,767,600 | 2,061 |
| Average earning assets | $301,098,400 | 2,011 |
| Average equity | $38,385,200 | 1,870 |
| Average total loans | $289,381,200 | 1,509 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9551% | 679 |
| Cost of funding earning assets | 0.6360% | 1,173 |
| Net interest margin | 4.3191% | 928 |
| Noninterest income to average assets | 0.2751% | 4,972 |
| Noninterest expense to average assets | 1.3713% | 6,116 |
| Loan and lease loss provision to assets | 0.1089% | 2,065 |
| Net operating income to assets | 2.7281% | 118 |
| Return on assets (ROA) | 2.7378% | 117 |
| Pretax return on assets | 2.8924% | 133 |
| Return on Equity (ROE) | 22.4433% | 180 |
| Retained earnings to average equity (ytd only) | 11.3600% | 431 |
| Net charge-offs to loans | -0.0108% | 5,009 |
| Credit loss provision to net charge-offs | -1,108.6957% | 5,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4140% | 6,218 |
| Assets per employee ($millions) | 9.9281% | 280 |
| Cash dividends to net income (ytd only)* | 49.3836% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 2,514 |
| Loan loss allowance to noncurrent loans | 265.6450% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 3,896 |
| Noncurrent loans to loans | 0.5337% | 3,741 |
| Net loans and leases to total assets | 88.2919% | 124 |
| Net loans and leases to deposits | 110.2545% | 250 |
| Net loans and leases to core deposits | 135.8927% | 205 |
| Total domestic deposits to total assets | 80.0801% | 4,725 |
| Equity capital to assets | 12.0442% | 2,068 |
| Core capital (leverage) ratio | 11.8586% | 1,771 |
| Tier 1 risk-based capital ratio | 12.5028% | 4,757 |
| Total risk-based capital ratio | 13.7542% | 4,654 |
| Memoranda: | ||
| Average total assets | $312,115,250 | 2,093 |
| Average earning assets | $295,362,250 | 2,056 |
| Average equity | $38,074,250 | 1,896 |
| Average total loans | $285,271,500 | 1,533 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 648 |
| Cost of funding earning assets | 0.6277% | 1,243 |
| Net interest margin | 4.3261% | 872 |
| Noninterest income to average assets | 0.2750% | 4,983 |
| Noninterest expense to average assets | 1.3657% | 6,191 |
| Loan and lease loss provision to assets | 0.0977% | 2,190 |
| Net operating income to assets | 2.7376% | 121 |
| Return on assets (ROA) | 2.7523% | 123 |
| Pretax return on assets | 2.9139% | 142 |
| Return on Equity (ROE) | 22.4607% | 180 |
| Retained earnings to average equity (ytd only) | 11.4803% | 444 |
| Net charge-offs to loans | -0.0127% | 5,003 |
| Credit loss provision to net charge-offs | -833.3333% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2967% | 6,288 |
| Assets per employee ($millions) | 9.4855% | 314 |
| Cash dividends to net income (ytd only)* | 48.8873% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 2,872 |
| Loan loss allowance to noncurrent loans | 229.5918% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 3,726 |
| Noncurrent loans to loans | 0.5989% | 3,672 |
| Net loans and leases to total assets | 92.8031% | 17 |
| Net loans and leases to deposits | 117.6793% | 125 |
| Net loans and leases to core deposits | 145.8521% | 129 |
| Total domestic deposits to total assets | 78.8610% | 5,121 |
| Equity capital to assets | 12.2534% | 1,839 |
| Core capital (leverage) ratio | 12.0435% | 1,634 |
| Tier 1 risk-based capital ratio | 12.0889% | 5,082 |
| Total risk-based capital ratio | 13.3396% | 4,981 |
| Memoranda: | ||
| Average total assets | $306,944,670 | 2,142 |
| Average earning assets | $289,963,000 | 2,109 |
| Average equity | $37,612,330 | 1,924 |
| Average total loans | $282,552,670 | 1,543 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 632 |
| Cost of funding earning assets | 0.6153% | 1,333 |
| Net interest margin | 4.3265% | 829 |
| Noninterest income to average assets | 0.2553% | 5,133 |
| Noninterest expense to average assets | 1.3557% | 6,260 |
| Loan and lease loss provision to assets | 0.0987% | 2,048 |
| Net operating income to assets | 2.6890% | 113 |
| Return on assets (ROA) | 2.6890% | 124 |
| Pretax return on assets | 2.8640% | 144 |
| Return on Equity (ROE) | 21.9439% | 189 |
| Retained earnings to average equity (ytd only) | 21.9439% | 71 |
| Net charge-offs to loans | -0.0246% | 5,142 |
| Credit loss provision to net charge-offs | -441.1765% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.3624% | 6,359 |
| Assets per employee ($millions) | 9.4475% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 2,721 |
| Loan loss allowance to noncurrent loans | 946.1905% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 5,400 |
| Noncurrent loans to loans | 0.1525% | 5,232 |
| Net loans and leases to total assets | 89.7817% | 60 |
| Net loans and leases to deposits | 112.8805% | 174 |
| Net loans and leases to core deposits | 134.1729% | 201 |
| Total domestic deposits to total assets | 79.5370% | 5,163 |
| Equity capital to assets | 12.6660% | 1,588 |
| Core capital (leverage) ratio | 12.3620% | 1,420 |
| Tier 1 risk-based capital ratio | 12.6502% | 4,816 |
| Total risk-based capital ratio | 13.9014% | 4,729 |
| Memoranda: | ||
| Average total assets | $303,905,500 | 2,175 |
| Average earning assets | $285,406,500 | 2,140 |
| Average equity | $37,240,500 | 1,953 |
| Average total loans | $276,556,500 | 1,577 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 733 |
| Cost of funding earning assets | 0.6507% | 1,401 |
| Net interest margin | 4.3748% | 924 |
| Noninterest income to average assets | 0.3015% | 4,959 |
| Noninterest expense to average assets | 1.4836% | 6,305 |
| Loan and lease loss provision to assets | 0.0592% | 3,348 |
| Net operating income to assets | 2.7191% | 119 |
| Return on assets (ROA) | 2.7271% | 118 |
| Pretax return on assets | 2.8735% | 127 |
| Return on Equity (ROE) | 23.5716% | 133 |
| Retained earnings to average equity (ytd only) | 10.6142% | 428 |
| Net charge-offs to loans | -0.0095% | 5,547 |
| Credit loss provision to net charge-offs | -700.0000% | 5,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6120% | 6,452 |
| Assets per employee ($millions) | 8.7283% | 393 |
| Cash dividends to net income (ytd only)* | 54.9703% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 2,960 |
| Loan loss allowance to noncurrent loans | 5,317.8082% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 5,947 |
| Noncurrent loans to loans | 0.0263% | 5,783 |
| Net loans and leases to total assets | 89.6357% | 70 |
| Net loans and leases to deposits | 114.4498% | 155 |
| Net loans and leases to core deposits | 136.7560% | 186 |
| Total domestic deposits to total assets | 78.3188% | 5,371 |
| Equity capital to assets | 11.8462% | 2,135 |
| Core capital (leverage) ratio | 11.6303% | 1,883 |
| Tier 1 risk-based capital ratio | 11.9188% | 5,416 |
| Total risk-based capital ratio | 13.1697% | 5,321 |
| Memoranda: | ||
| Average total assets | $295,841,800 | 2,179 |
| Average earning assets | $277,683,200 | 2,149 |
| Average equity | $34,227,600 | 2,036 |
| Average total loans | $262,229,600 | 1,617 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0438% | 715 |
| Cost of funding earning assets | 0.6529% | 1,445 |
| Net interest margin | 4.3909% | 894 |
| Noninterest income to average assets | 0.2935% | 5,097 |
| Noninterest expense to average assets | 1.5231% | 6,342 |
| Loan and lease loss provision to assets | 0.0795% | 2,756 |
| Net operating income to assets | 2.6787% | 117 |
| Return on assets (ROA) | 2.6895% | 117 |
| Pretax return on assets | 2.8308% | 136 |
| Return on Equity (ROE) | 23.3919% | 144 |
| Retained earnings to average equity (ytd only) | 9.8010% | 759 |
| Net charge-offs to loans | -0.0139% | 5,514 |
| Credit loss provision to net charge-offs | -648.1481% | 5,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3917% | 6,516 |
| Assets per employee ($millions) | 8.7595% | 374 |
| Cash dividends to net income (ytd only)* | 58.1011% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 2,699 |
| Loan loss allowance to noncurrent loans | 723.2775% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 5,488 |
| Noncurrent loans to loans | 0.2076% | 5,280 |
| Net loans and leases to total assets | 85.5593% | 218 |
| Net loans and leases to deposits | 106.6319% | 305 |
| Net loans and leases to core deposits | 123.7530% | 315 |
| Total domestic deposits to total assets | 80.2380% | 5,036 |
| Equity capital to assets | 11.7757% | 2,243 |
| Core capital (leverage) ratio | 11.4860% | 2,080 |
| Tier 1 risk-based capital ratio | 12.3864% | 5,237 |
| Total risk-based capital ratio | 13.6385% | 5,169 |
| Memoranda: | ||
| Average total assets | $293,429,750 | 2,207 |
| Average earning assets | $275,894,250 | 2,172 |
| Average equity | $33,737,250 | 2,068 |
| Average total loans | $258,359,500 | 1,647 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0832% | 639 |
| Cost of funding earning assets | 0.6544% | 1,476 |
| Net interest margin | 4.4288% | 810 |
| Noninterest income to average assets | 0.2918% | 5,086 |
| Noninterest expense to average assets | 1.5331% | 6,398 |
| Loan and lease loss provision to assets | 0.1028% | 2,302 |
| Net operating income to assets | 2.6780% | 119 |
| Return on assets (ROA) | 2.6825% | 120 |
| Pretax return on assets | 2.8236% | 138 |
| Return on Equity (ROE) | 23.5247% | 152 |
| Retained earnings to average equity (ytd only) | 7.6413% | 1,456 |
| Net charge-offs to loans | -0.0147% | 5,437 |
| Credit loss provision to net charge-offs | -789.4737% | 5,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3534% | 6,586 |
| Assets per employee ($millions) | 8.7485% | 358 |
| Cash dividends to net income (ytd only)* | 67.5179% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 3,015 |
| Loan loss allowance to noncurrent loans | 6,756.1404% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 6,171 |
| Noncurrent loans to loans | 0.0218% | 6,002 |
| Net loans and leases to total assets | 89.1600% | 68 |
| Net loans and leases to deposits | 111.3247% | 177 |
| Net loans and leases to core deposits | 129.6757% | 231 |
| Total domestic deposits to total assets | 80.0901% | 5,214 |
| Equity capital to assets | 11.7291% | 2,222 |
| Core capital (leverage) ratio | 11.0829% | 2,349 |
| Tier 1 risk-based capital ratio | 11.8654% | 5,611 |
| Total risk-based capital ratio | 13.1173% | 5,541 |
| Memoranda: | ||
| Average total assets | $291,965,000 | 2,213 |
| Average earning assets | $274,432,330 | 2,180 |
| Average equity | $33,292,670 | 2,080 |
| Average total loans | $258,246,000 | 1,640 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 629 |
| Cost of funding earning assets | 0.6462% | 1,608 |
| Net interest margin | 4.4205% | 771 |
| Noninterest income to average assets | 0.2779% | 5,145 |
| Noninterest expense to average assets | 1.5273% | 6,474 |
| Loan and lease loss provision to assets | 0.1022% | 2,218 |
| Net operating income to assets | 2.6557% | 128 |
| Return on assets (ROA) | 2.6635% | 135 |
| Pretax return on assets | 2.8038% | 163 |
| Return on Equity (ROE) | 23.6912% | 154 |
| Retained earnings to average equity (ytd only) | 14.9661% | 320 |
| Net charge-offs to loans | -0.1215% | 6,197 |
| Credit loss provision to net charge-offs | -96.1538% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4520% | 6,649 |
| Assets per employee ($millions) | 8.9682% | 340 |
| Cash dividends to net income (ytd only)* | 36.8286% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 3,222 |
| Loan loss allowance to noncurrent loans | 1,997.3958% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 5,989 |
| Noncurrent loans to loans | 0.0742% | 5,918 |
| Net loans and leases to total assets | 86.1865% | 139 |
| Net loans and leases to deposits | 106.8271% | 222 |
| Net loans and leases to core deposits | 124.0837% | 255 |
| Total domestic deposits to total assets | 80.6785% | 5,322 |
| Equity capital to assets | 11.3860% | 2,346 |
| Core capital (leverage) ratio | 11.2483% | 2,176 |
| Tier 1 risk-based capital ratio | 11.9245% | 5,693 |
| Total risk-based capital ratio | 13.1765% | 5,617 |
| Memoranda: | ||
| Average total assets | $293,597,500 | 2,212 |
| Average earning assets | $275,444,000 | 2,183 |
| Average equity | $33,008,000 | 2,088 |
| Average total loans | $256,741,000 | 1,655 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 727 |
| Cost of funding earning assets | 0.7174% | 1,695 |
| Net interest margin | 4.4188% | 882 |
| Noninterest income to average assets | 0.3226% | 5,025 |
| Noninterest expense to average assets | 1.4188% | 6,620 |
| Loan and lease loss provision to assets | 0.1317% | 2,663 |
| Net operating income to assets | 2.7628% | 130 |
| Return on assets (ROA) | 2.7817% | 130 |
| Pretax return on assets | 2.9323% | 131 |
| Return on Equity (ROE) | 25.3343% | 118 |
| Retained earnings to average equity (ytd only) | 12.1467% | 305 |
| Net charge-offs to loans | 0.0249% | 4,923 |
| Credit loss provision to net charge-offs | 606.5574% | 384 |
| Earnings coverage of net charge-offs (x) | 140.1639% | 329 |
| Efficiency ratio | 31.7351% | 6,755 |
| Assets per employee ($millions) | 8.8256% | 352 |
| Cash dividends to net income (ytd only)* | 52.0543% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 3,438 |
| Loan loss allowance to noncurrent loans | 5,414.7059% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 6,331 |
| Noncurrent loans to loans | 0.0267% | 6,176 |
| Net loans and leases to total assets | 86.1460% | 147 |
| Net loans and leases to deposits | 108.3906% | 198 |
| Net loans and leases to core deposits | 124.4740% | 259 |
| Total domestic deposits to total assets | 79.4774% | 5,558 |
| Equity capital to assets | 11.0968% | 2,528 |
| Core capital (leverage) ratio | 11.0392% | 2,355 |
| Tier 1 risk-based capital ratio | 11.6270% | 5,838 |
| Total risk-based capital ratio | 12.8788% | 5,775 |
| Memoranda: | ||
| Average total assets | $280,871,400 | 2,267 |
| Average earning assets | $263,173,200 | 2,229 |
| Average equity | $30,839,600 | 2,207 |
| Average total loans | $244,878,000 | 1,697 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1535% | 707 |
| Cost of funding earning assets | 0.7281% | 1,747 |
| Net interest margin | 4.4254% | 848 |
| Noninterest income to average assets | 0.3244% | 5,086 |
| Noninterest expense to average assets | 1.3684% | 6,708 |
| Loan and lease loss provision to assets | 0.1413% | 2,523 |
| Net operating income to assets | 2.8281% | 130 |
| Return on assets (ROA) | 2.8345% | 130 |
| Pretax return on assets | 2.9797% | 142 |
| Return on Equity (ROE) | 25.8873% | 107 |
| Retained earnings to average equity (ytd only) | 12.4011% | 378 |
| Net charge-offs to loans | -0.0126% | 5,938 |
| Credit loss provision to net charge-offs | -1,282.6087% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4724% | 6,829 |
| Assets per employee ($millions) | 8.8864% | 324 |
| Cash dividends to net income (ytd only)* | 52.0960% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,443 |
| Loan loss allowance to noncurrent loans | 233.0177% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 4,786 |
| Noncurrent loans to loans | 0.6446% | 4,581 |
| Net loans and leases to total assets | 85.1117% | 187 |
| Net loans and leases to deposits | 105.6397% | 249 |
| Net loans and leases to core deposits | 121.4384% | 300 |
| Total domestic deposits to total assets | 80.5679% | 5,342 |
| Equity capital to assets | 11.0977% | 2,669 |
| Core capital (leverage) ratio | 10.7325% | 2,750 |
| Tier 1 risk-based capital ratio | 11.6352% | 5,993 |
| Total risk-based capital ratio | 12.8872% | 5,951 |
| Memoranda: | ||
| Average total assets | $278,278,000 | 2,291 |
| Average earning assets | $261,485,750 | 2,246 |
| Average equity | $30,469,750 | 2,247 |
| Average total loans | $242,453,000 | 1,709 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 714 |
| Cost of funding earning assets | 0.7365% | 1,798 |
| Net interest margin | 4.4012% | 842 |
| Noninterest income to average assets | 0.3272% | 5,077 |
| Noninterest expense to average assets | 1.3633% | 6,750 |
| Loan and lease loss provision to assets | 0.1520% | 2,423 |
| Net operating income to assets | 2.8023% | 128 |
| Return on assets (ROA) | 2.8105% | 132 |
| Pretax return on assets | 2.9524% | 152 |
| Return on Equity (ROE) | 25.7880% | 113 |
| Retained earnings to average equity (ytd only) | 11.9574% | 499 |
| Net charge-offs to loans | -0.0166% | 5,905 |
| Credit loss provision to net charge-offs | -1,050.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5082% | 6,877 |
| Assets per employee ($millions) | 8.6938% | 341 |
| Cash dividends to net income (ytd only)* | 53.6321% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 3,786 |
| Loan loss allowance to noncurrent loans | 3,916.3043% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 6,420 |
| Noncurrent loans to loans | 0.0372% | 6,291 |
| Net loans and leases to total assets | 87.6475% | 103 |
| Net loans and leases to deposits | 110.6243% | 134 |
| Net loans and leases to core deposits | 125.3493% | 234 |
| Total domestic deposits to total assets | 79.2298% | 5,768 |
| Equity capital to assets | 10.9737% | 2,779 |
| Core capital (leverage) ratio | 10.5875% | 2,782 |
| Tier 1 risk-based capital ratio | 11.2043% | 6,244 |
| Total risk-based capital ratio | 12.4558% | 6,212 |
| Memoranda: | ||
| Average total assets | $276,249,000 | 2,310 |
| Average earning assets | $259,338,000 | 2,270 |
| Average equity | $30,107,000 | 2,264 |
| Average total loans | $241,364,330 | 1,713 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 720 |
| Cost of funding earning assets | 0.7347% | 1,963 |
| Net interest margin | 4.3820% | 829 |
| Noninterest income to average assets | 0.3182% | 5,147 |
| Noninterest expense to average assets | 1.4255% | 6,792 |
| Loan and lease loss provision to assets | 0.1526% | 2,339 |
| Net operating income to assets | 2.7042% | 129 |
| Return on assets (ROA) | 2.7042% | 138 |
| Pretax return on assets | 2.8394% | 184 |
| Return on Equity (ROE) | 24.8997% | 127 |
| Retained earnings to average equity (ytd only) | 22.2638% | 96 |
| Net charge-offs to loans | -0.0336% | 5,950 |
| Credit loss provision to net charge-offs | -525.0000% | 5,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2039% | 6,948 |
| Assets per employee ($millions) | 8.9501% | 327 |
| Cash dividends to net income (ytd only)* | 10.5857% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 3,968 |
| Loan loss allowance to noncurrent loans | 1,253.7634% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 6,285 |
| Noncurrent loans to loans | 0.1165% | 6,122 |
| Net loans and leases to total assets | 85.0288% | 161 |
| Net loans and leases to deposits | 105.6759% | 202 |
| Net loans and leases to core deposits | 117.4916% | 318 |
| Total domestic deposits to total assets | 80.4619% | 5,648 |
| Equity capital to assets | 11.0714% | 2,879 |
| Core capital (leverage) ratio | 10.7939% | 2,462 |
| Tier 1 risk-based capital ratio | 11.6337% | 6,113 |
| Total risk-based capital ratio | 12.8857% | 6,089 |
| Memoranda: | ||
| Average total assets | $275,272,500 | 2,343 |
| Average earning assets | $257,509,000 | 2,310 |
| Average equity | $29,896,000 | 2,298 |
| Average total loans | $238,326,500 | 1,741 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4421% | 697 |
| Cost of funding earning assets | 0.9188% | 1,824 |
| Net interest margin | 4.5233% | 902 |
| Noninterest income to average assets | 0.4443% | 4,292 |
| Noninterest expense to average assets | 1.8441% | 6,560 |
| Loan and lease loss provision to assets | 0.1660% | 3,534 |
| Net operating income to assets | 2.5018% | 152 |
| Return on assets (ROA) | 2.5394% | 162 |
| Pretax return on assets | 2.6991% | 198 |
| Return on Equity (ROE) | 23.2966% | 167 |
| Retained earnings to average equity (ytd only) | 12.4715% | 287 |
| Net charge-offs to loans | -0.0259% | 6,592 |
| Credit loss provision to net charge-offs | -736.8421% | 6,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4345% | 6,940 |
| Assets per employee ($millions) | 9.1031% | 318 |
| Cash dividends to net income (ytd only)* | 46.4664% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 4,061 |
| Loan loss allowance to noncurrent loans | 2,536.0902% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 6,514 |
| Noncurrent loans to loans | 0.0561% | 6,354 |
| Net loans and leases to total assets | 85.6367% | 143 |
| Net loans and leases to deposits | 106.2848% | 221 |
| Net loans and leases to core deposits | 119.0714% | 302 |
| Total domestic deposits to total assets | 80.5728% | 5,522 |
| Equity capital to assets | 10.6462% | 3,338 |
| Core capital (leverage) ratio | 10.3783% | 2,919 |
| Tier 1 risk-based capital ratio | 11.0517% | 6,327 |
| Total risk-based capital ratio | 12.3030% | 6,297 |
| Memoranda: | ||
| Average total assets | $252,975,400 | 2,503 |
| Average earning assets | $236,286,400 | 2,446 |
| Average equity | $27,574,800 | 2,437 |
| Average total loans | $220,001,800 | 1,834 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4861% | 701 |
| Cost of funding earning assets | 0.9580% | 1,803 |
| Net interest margin | 4.5281% | 939 |
| Noninterest income to average assets | 0.4415% | 4,353 |
| Noninterest expense to average assets | 1.7611% | 6,725 |
| Loan and lease loss provision to assets | 0.1694% | 3,428 |
| Net operating income to assets | 2.6193% | 148 |
| Return on assets (ROA) | 2.6709% | 151 |
| Pretax return on assets | 2.8075% | 191 |
| Return on Equity (ROE) | 24.3474% | 156 |
| Retained earnings to average equity (ytd only) | 12.5095% | 439 |
| Net charge-offs to loans | -0.0198% | 6,492 |
| Credit loss provision to net charge-offs | -984.3750% | 6,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5431% | 7,054 |
| Assets per employee ($millions) | 8.4285% | 410 |
| Cash dividends to net income (ytd only)* | 48.6209% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 4,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 83.1617% | 269 |
| Net loans and leases to deposits | 103.2949% | 301 |
| Net loans and leases to core deposits | 116.3597% | 377 |
| Total domestic deposits to total assets | 80.5090% | 5,509 |
| Equity capital to assets | 10.7993% | 3,501 |
| Core capital (leverage) ratio | 10.3147% | 3,143 |
| Tier 1 risk-based capital ratio | 10.5782% | 6,641 |
| Total risk-based capital ratio | 11.8289% | 6,623 |
| Memoranda: | ||
| Average total assets | $247,946,250 | 2,574 |
| Average earning assets | $232,289,500 | 2,503 |
| Average equity | $27,200,000 | 2,491 |
| Average total loans | $215,692,250 | 1,890 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5087% | 709 |
| Cost of funding earning assets | 1.0003% | 1,760 |
| Net interest margin | 4.5084% | 981 |
| Noninterest income to average assets | 0.4559% | 4,247 |
| Noninterest expense to average assets | 1.4448% | 7,035 |
| Loan and lease loss provision to assets | 0.1725% | 3,380 |
| Net operating income to assets | 2.9107% | 107 |
| Return on assets (ROA) | 2.9700% | 108 |
| Pretax return on assets | 3.1211% | 140 |
| Return on Equity (ROE) | 26.9238% | 117 |
| Retained earnings to average equity (ytd only) | 14.5266% | 307 |
| Net charge-offs to loans | 0.0607% | 4,575 |
| Credit loss provision to net charge-offs | 323.0769% | 916 |
| Earnings coverage of net charge-offs (x) | 60.5231% | 627 |
| Efficiency ratio | 30.8273% | 7,174 |
| Assets per employee ($millions) | 8.3387% | 410 |
| Cash dividends to net income (ytd only)* | 46.0454% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 4,593 |
| Loan loss allowance to noncurrent loans | 314.8033% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 5,776 |
| Noncurrent loans to loans | 0.4338% | 5,666 |
| Net loans and leases to total assets | 87.8078% | 86 |
| Net loans and leases to deposits | 110.2633% | 143 |
| Net loans and leases to core deposits | 127.1306% | 235 |
| Total domestic deposits to total assets | 79.6346% | 5,832 |
| Equity capital to assets | 11.0293% | 3,082 |
| Core capital (leverage) ratio | 10.5627% | 2,742 |
| Tier 1 risk-based capital ratio | 10.3661% | 6,735 |
| Total risk-based capital ratio | 11.5859% | 6,729 |
| Memoranda: | ||
| Average total assets | $243,500,000 | 2,620 |
| Average earning assets | $227,928,670 | 2,548 |
| Average equity | $26,861,000 | 2,494 |
| Average total loans | $214,079,000 | 1,912 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5505% | 695 |
| Cost of funding earning assets | 1.0419% | 1,732 |
| Net interest margin | 4.5086% | 997 |
| Noninterest income to average assets | 0.4647% | 4,188 |
| Noninterest expense to average assets | 1.4573% | 7,083 |
| Loan and lease loss provision to assets | 0.1749% | 3,215 |
| Net operating income to assets | 2.8974% | 112 |
| Return on assets (ROA) | 2.9812% | 130 |
| Pretax return on assets | 3.1294% | 165 |
| Return on Equity (ROE) | 27.0229% | 138 |
| Retained earnings to average equity (ytd only) | 23.7017% | 112 |
| Net charge-offs to loans | 0.1602% | 3,132 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 22.9881% | 1,110 |
| Efficiency ratio | 31.1119% | 7,228 |
| Assets per employee ($millions) | 8.1295% | 452 |
| Cash dividends to net income (ytd only)* | 12.2905% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 6,873 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 86.9450% | 94 |
| Net loans and leases to deposits | 110.8413% | 126 |
| Net loans and leases to core deposits | 129.4173% | 206 |
| Total domestic deposits to total assets | 78.4410% | 6,202 |
| Equity capital to assets | 11.1713% | 2,737 |
| Core capital (leverage) ratio | 10.8105% | 2,431 |
| Tier 1 risk-based capital ratio | 10.6420% | 6,698 |
| Total risk-based capital ratio | 11.8612% | 6,690 |
| Memoranda: | ||
| Average total assets | $240,170,000 | 2,668 |
| Average earning assets | $224,196,000 | 2,611 |
| Average equity | $26,496,000 | 2,526 |
| Average total loans | $209,768,000 | 1,948 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5515% | 1,052 |
| Cost of funding earning assets | 1.2490% | 1,743 |
| Net interest margin | 4.3025% | 1,690 |
| Noninterest income to average assets | 0.4184% | 4,467 |
| Noninterest expense to average assets | 1.5163% | 7,158 |
| Loan and lease loss provision to assets | 0.1687% | 4,532 |
| Net operating income to assets | 2.6225% | 117 |
| Return on assets (ROA) | 2.6550% | 113 |
| Pretax return on assets | 2.7956% | 151 |
| Return on Equity (ROE) | 25.1431% | 104 |
| Retained earnings to average equity (ytd only) | 12.7790% | 248 |
| Net charge-offs to loans | 0.1219% | 5,169 |
| Credit loss provision to net charge-offs | 164.5299% | 1,656 |
| Earnings coverage of net charge-offs (x) | 28.5812% | 871 |
| Efficiency ratio | 34.0329% | 7,268 |
| Assets per employee ($millions) | 7.8819% | 492 |
| Cash dividends to net income (ytd only)* | 49.1749% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 4,390 |
| Loan loss allowance to noncurrent loans | 2,925.2525% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 6,795 |
| Noncurrent loans to loans | 0.0484% | 6,703 |
| Net loans and leases to total assets | 85.2920% | 155 |
| Net loans and leases to deposits | 107.2214% | 223 |
| Net loans and leases to core deposits | 123.6363% | 303 |
| Total domestic deposits to total assets | 79.5476% | 5,859 |
| Equity capital to assets | 10.8887% | 3,090 |
| Core capital (leverage) ratio | 10.3110% | 2,956 |
| Tier 1 risk-based capital ratio | 10.5663% | 6,657 |
| Total risk-based capital ratio | 11.8167% | 6,637 |
| Memoranda: | ||
| Average total assets | $228,247,800 | 2,748 |
| Average earning assets | $213,691,000 | 2,688 |
| Average equity | $24,102,000 | 2,659 |
| Average total loans | $191,935,800 | 2,108 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5492% | 1,143 |
| Cost of funding earning assets | 1.2820% | 1,806 |
| Net interest margin | 4.2672% | 1,840 |
| Noninterest income to average assets | 0.4026% | 4,646 |
| Noninterest expense to average assets | 1.4783% | 7,241 |
| Loan and lease loss provision to assets | 0.1650% | 4,415 |
| Net operating income to assets | 2.6218% | 127 |
| Return on assets (ROA) | 2.6655% | 123 |
| Pretax return on assets | 2.8075% | 163 |
| Return on Equity (ROE) | 25.4495% | 119 |
| Retained earnings to average equity (ytd only) | 12.1676% | 484 |
| Net charge-offs to loans | 0.1314% | 4,736 |
| Credit loss provision to net charge-offs | 150.5376% | 2,074 |
| Earnings coverage of net charge-offs (x) | 26.6939% | 1,010 |
| Efficiency ratio | 33.4939% | 7,335 |
| Assets per employee ($millions) | 7.8696% | 497 |
| Cash dividends to net income (ytd only)* | 52.1894% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 4,132 |
| Loan loss allowance to noncurrent loans | 965.6463% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 6,732 |
| Noncurrent loans to loans | 0.1547% | 6,563 |
| Net loans and leases to total assets | 79.2993% | 584 |
| Net loans and leases to deposits | 99.3784% | 496 |
| Net loans and leases to core deposits | 116.0273% | 495 |
| Total domestic deposits to total assets | 79.7953% | 5,796 |
| Equity capital to assets | 10.5253% | 3,674 |
| Core capital (leverage) ratio | 10.0858% | 3,326 |
| Tier 1 risk-based capital ratio | 10.7002% | 6,708 |
| Total risk-based capital ratio | 11.9510% | 6,687 |
| Memoranda: | ||
| Average total assets | $226,195,750 | 2,780 |
| Average earning assets | $212,157,750 | 2,712 |
| Average equity | $23,690,750 | 2,705 |
| Average total loans | $188,776,250 | 2,160 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5857% | 1,096 |
| Cost of funding earning assets | 1.3047% | 1,916 |
| Net interest margin | 4.2809% | 1,729 |
| Noninterest income to average assets | 0.3769% | 4,870 |
| Noninterest expense to average assets | 1.4984% | 7,309 |
| Loan and lease loss provision to assets | 0.1570% | 4,351 |
| Net operating income to assets | 2.6027% | 149 |
| Return on assets (ROA) | 2.6317% | 147 |
| Pretax return on assets | 2.7735% | 173 |
| Return on Equity (ROE) | 25.1709% | 128 |
| Retained earnings to average equity (ytd only) | 10.2383% | 794 |
| Net charge-offs to loans | 0.0828% | 4,814 |
| Credit loss provision to net charge-offs | 224.3590% | 1,336 |
| Earnings coverage of net charge-offs (x) | 41.4359% | 727 |
| Efficiency ratio | 33.9861% | 7,408 |
| Assets per employee ($millions) | 7.4463% | 589 |
| Cash dividends to net income (ytd only)* | 59.3249% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 4,231 |
| Loan loss allowance to noncurrent loans | 684.8193% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 6,636 |
| Noncurrent loans to loans | 0.2158% | 6,474 |
| Net loans and leases to total assets | 84.8158% | 185 |
| Net loans and leases to deposits | 107.2609% | 234 |
| Net loans and leases to core deposits | 130.4944% | 270 |
| Total domestic deposits to total assets | 79.0743% | 6,066 |
| Equity capital to assets | 10.7019% | 3,286 |
| Core capital (leverage) ratio | 9.8104% | 3,510 |
| Tier 1 risk-based capital ratio | 10.3561% | 6,846 |
| Total risk-based capital ratio | 11.6073% | 6,837 |
| Memoranda: | ||
| Average total assets | $222,898,000 | 2,828 |
| Average earning assets | $209,393,000 | 2,765 |
| Average equity | $23,304,670 | 2,726 |
| Average total loans | $188,349,670 | 2,189 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5823% | 1,090 |
| Cost of funding earning assets | 1.3113% | 2,118 |
| Net interest margin | 4.2709% | 1,665 |
| Noninterest income to average assets | 0.3503% | 5,097 |
| Noninterest expense to average assets | 1.4624% | 7,388 |
| Loan and lease loss provision to assets | 0.1258% | 4,427 |
| Net operating income to assets | 2.6247% | 153 |
| Return on assets (ROA) | 2.6247% | 161 |
| Pretax return on assets | 2.7702% | 184 |
| Return on Equity (ROE) | 25.4048% | 155 |
| Retained earnings to average equity (ytd only) | 20.6229% | 158 |
| Net charge-offs to loans | -0.1052% | 7,101 |
| Credit loss provision to net charge-offs | -142.8571% | 5,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4707% | 7,471 |
| Assets per employee ($millions) | 8.0194% | 469 |
| Cash dividends to net income (ytd only)* | 18.8227% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 4,004 |
| Loan loss allowance to noncurrent loans | 683.5322% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 6,686 |
| Noncurrent loans to loans | 0.2254% | 6,529 |
| Net loans and leases to total assets | 81.5030% | 387 |
| Net loans and leases to deposits | 102.6848% | 360 |
| Net loans and leases to core deposits | 123.6120% | 352 |
| Total domestic deposits to total assets | 79.3720% | 6,099 |
| Equity capital to assets | 10.5200% | 3,158 |
| Core capital (leverage) ratio | 10.0133% | 3,126 |
| Tier 1 risk-based capital ratio | 10.6839% | 6,699 |
| Total risk-based capital ratio | 11.9355% | 6,685 |
| Memoranda: | ||
| Average total assets | $222,652,000 | 2,853 |
| Average earning assets | $208,947,000 | 2,800 |
| Average equity | $23,003,500 | 2,745 |
| Average total loans | $186,368,500 | 2,234 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8775% | 1,085 |
| Cost of funding earning assets | 1.5635% | 2,282 |
| Net interest margin | 4.3140% | 1,775 |
| Noninterest income to average assets | 0.4915% | 4,240 |
| Noninterest expense to average assets | 1.5518% | 7,426 |
| Loan and lease loss provision to assets | 0.1994% | 5,242 |
| Net operating income to assets | 2.6402% | 103 |
| Return on assets (ROA) | 2.6439% | 105 |
| Pretax return on assets | 2.7899% | 138 |
| Return on Equity (ROE) | 26.0640% | 84 |
| Retained earnings to average equity (ytd only) | 15.1373% | 119 |
| Net charge-offs to loans | 0.0383% | 6,423 |
| Credit loss provision to net charge-offs | 610.2941% | 351 |
| Earnings coverage of net charge-offs (x) | 91.3824% | 264 |
| Efficiency ratio | 34.1275% | 7,556 |
| Assets per employee ($millions) | 8.1763% | 456 |
| Cash dividends to net income (ytd only)* | 41.9226% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 4,194 |
| Loan loss allowance to noncurrent loans | 8,073.5294% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 7,211 |
| Noncurrent loans to loans | 0.0182% | 7,100 |
| Net loans and leases to total assets | 83.4019% | 347 |
| Net loans and leases to deposits | 104.7726% | 372 |
| Net loans and leases to core deposits | 127.1454% | 370 |
| Total domestic deposits to total assets | 79.6027% | 5,936 |
| Equity capital to assets | 10.1400% | 3,572 |
| Core capital (leverage) ratio | 9.5292% | 3,671 |
| Tier 1 risk-based capital ratio | 10.0685% | 6,949 |
| Total risk-based capital ratio | 11.3197% | 6,932 |
| Memoranda: | ||
| Average total assets | $208,142,800 | 2,999 |
| Average earning assets | $195,201,800 | 2,938 |
| Average equity | $21,113,400 | 2,991 |
| Average total loans | $177,532,200 | 2,383 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9438% | 1,045 |
| Cost of funding earning assets | 1.5986% | 2,396 |
| Net interest margin | 4.3452% | 1,693 |
| Noninterest income to average assets | 0.4403% | 4,634 |
| Noninterest expense to average assets | 1.5311% | 7,535 |
| Loan and lease loss provision to assets | 0.2016% | 5,035 |
| Net operating income to assets | 2.6416% | 119 |
| Return on assets (ROA) | 2.6466% | 123 |
| Pretax return on assets | 2.7897% | 159 |
| Return on Equity (ROE) | 26.0883% | 97 |
| Retained earnings to average equity (ytd only) | 14.7593% | 225 |
| Net charge-offs to loans | 0.0434% | 6,104 |
| Credit loss provision to net charge-offs | 543.8596% | 530 |
| Earnings coverage of net charge-offs (x) | 80.5418% | 382 |
| Efficiency ratio | 33.8229% | 7,653 |
| Assets per employee ($millions) | 7.4261% | 640 |
| Cash dividends to net income (ytd only)* | 43.4259% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,074 |
| Loan loss allowance to noncurrent loans | 1,949.2647% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 7,186 |
| Noncurrent loans to loans | 0.0757% | 7,053 |
| Net loans and leases to total assets | 82.2373% | 469 |
| Net loans and leases to deposits | 103.8953% | 433 |
| Net loans and leases to core deposits | 127.0594% | 433 |
| Total domestic deposits to total assets | 79.1541% | 5,986 |
| Equity capital to assets | 10.1966% | 3,886 |
| Core capital (leverage) ratio | 9.6307% | 3,712 |
| Tier 1 risk-based capital ratio | 10.0489% | 7,038 |
| Total risk-based capital ratio | 11.2999% | 7,026 |
| Memoranda: | ||
| Average total assets | $204,988,500 | 3,074 |
| Average earning assets | $192,331,250 | 3,007 |
| Average equity | $20,795,500 | 3,072 |
| Average total loans | $175,199,500 | 2,445 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9924% | 967 |
| Cost of funding earning assets | 1.6284% | 2,489 |
| Net interest margin | 4.3640% | 1,552 |
| Noninterest income to average assets | 0.4049% | 4,875 |
| Noninterest expense to average assets | 1.5432% | 7,597 |
| Loan and lease loss provision to assets | 0.2034% | 4,837 |
| Net operating income to assets | 2.6104% | 122 |
| Return on assets (ROA) | 2.6179% | 125 |
| Pretax return on assets | 2.7618% | 163 |
| Return on Equity (ROE) | 25.8530% | 107 |
| Retained earnings to average equity (ytd only) | 13.5047% | 340 |
| Net charge-offs to loans | 0.0288% | 5,933 |
| Credit loss provision to net charge-offs | 820.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 119.2000% | 282 |
| Efficiency ratio | 34.2007% | 7,717 |
| Assets per employee ($millions) | 7.0583% | 751 |
| Cash dividends to net income (ytd only)* | 47.7635% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 4,321 |
| Loan loss allowance to noncurrent loans | 2,552.4752% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 7,267 |
| Noncurrent loans to loans | 0.0557% | 7,179 |
| Net loans and leases to total assets | 87.2563% | 159 |
| Net loans and leases to deposits | 113.1823% | 212 |
| Net loans and leases to core deposits | 134.3723% | 354 |
| Total domestic deposits to total assets | 77.0937% | 6,482 |
| Equity capital to assets | 10.2829% | 3,671 |
| Core capital (leverage) ratio | 9.3482% | 4,045 |
| Tier 1 risk-based capital ratio | 9.7606% | 7,155 |
| Total risk-based capital ratio | 11.0116% | 7,140 |
| Memoranda: | ||
| Average total assets | $201,532,670 | 3,145 |
| Average earning assets | $189,138,000 | 3,074 |
| Average equity | $20,407,670 | 3,123 |
| Average total loans | $173,681,330 | 2,494 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9051% | 1,193 |
| Cost of funding earning assets | 1.6270% | 2,791 |
| Net interest margin | 4.2781% | 1,761 |
| Noninterest income to average assets | 0.3341% | 5,467 |
| Noninterest expense to average assets | 1.4843% | 7,719 |
| Loan and lease loss provision to assets | 0.2000% | 4,501 |
| Net operating income to assets | 2.5035% | 147 |
| Return on assets (ROA) | 2.5186% | 158 |
| Pretax return on assets | 2.6686% | 192 |
| Return on Equity (ROE) | 25.0703% | 160 |
| Retained earnings to average equity (ytd only) | 19.6938% | 194 |
| Net charge-offs to loans | -0.0165% | 7,022 |
| Credit loss provision to net charge-offs | -1,428.5714% | 6,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1790% | 7,811 |
| Assets per employee ($millions) | 7.0611% | 789 |
| Cash dividends to net income (ytd only)* | 21.4456% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 4,152 |
| Loan loss allowance to noncurrent loans | 7,590.9091% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 7,457 |
| Noncurrent loans to loans | 0.0192% | 7,369 |
| Net loans and leases to total assets | 82.8394% | 487 |
| Net loans and leases to deposits | 105.0672% | 473 |
| Net loans and leases to core deposits | 122.8151% | 678 |
| Total domestic deposits to total assets | 78.8442% | 6,111 |
| Equity capital to assets | 10.0522% | 3,796 |
| Core capital (leverage) ratio | 9.5500% | 3,700 |
| Tier 1 risk-based capital ratio | 9.9854% | 7,046 |
| Total risk-based capital ratio | 11.2363% | 7,027 |
| Memoranda: | ||
| Average total assets | $199,954,000 | 3,217 |
| Average earning assets | $187,092,000 | 3,162 |
| Average equity | $20,087,500 | 3,197 |
| Average total loans | $169,930,500 | 2,607 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1933% | 1,253 |
| Cost of funding earning assets | 2.1245% | 2,348 |
| Net interest margin | 4.0688% | 2,571 |
| Noninterest income to average assets | 0.3934% | 5,261 |
| Noninterest expense to average assets | 1.6676% | 7,723 |
| Loan and lease loss provision to assets | 0.3859% | 4,476 |
| Net operating income to assets | 2.0193% | 223 |
| Return on assets (ROA) | 2.0375% | 230 |
| Pretax return on assets | 2.1549% | 311 |
| Return on Equity (ROE) | 20.5719% | 217 |
| Retained earnings to average equity (ytd only) | 10.9570% | 282 |
| Net charge-offs to loans | 0.1656% | 5,632 |
| Credit loss provision to net charge-offs | 275.9542% | 1,243 |
| Earnings coverage of net charge-offs (x) | 18.0305% | 1,152 |
| Efficiency ratio | 39.7426% | 7,862 |
| Assets per employee ($millions) | 6.7289% | 894 |
| Cash dividends to net income (ytd only)* | 46.7383% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 4,076 |
| Loan loss allowance to noncurrent loans | 239,800.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 7,550 |
| Noncurrent loans to loans | 0.0006% | 7,457 |
| Net loans and leases to total assets | 84.7236% | 373 |
| Net loans and leases to deposits | 109.7082% | 395 |
| Net loans and leases to core deposits | 145.9493% | 611 |
| Total domestic deposits to total assets | 77.2263% | 6,407 |
| Equity capital to assets | 10.0396% | 3,705 |
| Core capital (leverage) ratio | 9.3703% | 3,872 |
| Tier 1 risk-based capital ratio | 9.7578% | 7,057 |
| Total risk-based capital ratio | 11.0090% | 7,041 |
| Memoranda: | ||
| Average total assets | $187,336,200 | 3,320 |
| Average earning assets | $174,770,800 | 3,284 |
| Average equity | $18,554,400 | 3,414 |
| Average total loans | $158,236,000 | 2,795 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2292% | 1,297 |
| Cost of funding earning assets | 2.2278% | 2,283 |
| Net interest margin | 4.0013% | 2,818 |
| Noninterest income to average assets | 0.3877% | 5,411 |
| Noninterest expense to average assets | 1.6628% | 7,790 |
| Loan and lease loss provision to assets | 0.3761% | 4,070 |
| Net operating income to assets | 1.9755% | 309 |
| Return on assets (ROA) | 2.0001% | 318 |
| Pretax return on assets | 2.1116% | 430 |
| Return on Equity (ROE) | 20.2671% | 295 |
| Retained earnings to average equity (ytd only) | 10.4141% | 558 |
| Net charge-offs to loans | 0.0565% | 6,140 |
| Credit loss provision to net charge-offs | 792.4242% | 484 |
| Earnings coverage of net charge-offs (x) | 51.8624% | 610 |
| Efficiency ratio | 40.2441% | 7,923 |
| Assets per employee ($millions) | 6.4640% | 997 |
| Cash dividends to net income (ytd only)* | 48.6155% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 3,484 |
| Loan loss allowance to noncurrent loans | 366.6156% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 6,610 |
| Noncurrent loans to loans | 0.4070% | 6,519 |
| Net loans and leases to total assets | 84.3137% | 504 |
| Net loans and leases to deposits | 107.9693% | 562 |
| Net loans and leases to core deposits | 144.7601% | 736 |
| Total domestic deposits to total assets | 78.0904% | 6,062 |
| Equity capital to assets | 10.1879% | 3,861 |
| Core capital (leverage) ratio | 9.1950% | 4,347 |
| Tier 1 risk-based capital ratio | 9.9162% | 7,047 |
| Total risk-based capital ratio | 11.1682% | 7,004 |
| Memoranda: | ||
| Average total assets | $185,386,000 | 3,378 |
| Average earning assets | $173,138,250 | 3,332 |
| Average equity | $18,295,250 | 3,481 |
| Average total loans | $155,863,750 | 2,855 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2314% | 1,381 |
| Cost of funding earning assets | 2.3199% | 2,275 |
| Net interest margin | 3.9114% | 3,051 |
| Noninterest income to average assets | 0.3833% | 5,437 |
| Noninterest expense to average assets | 1.6958% | 7,836 |
| Loan and lease loss provision to assets | 0.3465% | 3,846 |
| Net operating income to assets | 1.8947% | 378 |
| Return on assets (ROA) | 1.9091% | 401 |
| Pretax return on assets | 2.0076% | 555 |
| Return on Equity (ROE) | 19.5588% | 364 |
| Retained earnings to average equity (ytd only) | 9.0306% | 929 |
| Net charge-offs to loans | 0.0156% | 6,314 |
| Credit loss provision to net charge-offs | 2,666.6667% | 189 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 227 |
| Efficiency ratio | 41.9485% | 7,975 |
| Assets per employee ($millions) | 6.5179% | 959 |
| Cash dividends to net income (ytd only)* | 53.8287% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 3,705 |
| Loan loss allowance to noncurrent loans | 137.4770% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 5,258 |
| Noncurrent loans to loans | 1.0202% | 5,173 |
| Net loans and leases to total assets | 83.4959% | 710 |
| Net loans and leases to deposits | 111.2134% | 512 |
| Net loans and leases to core deposits | 149.5523% | 667 |
| Total domestic deposits to total assets | 75.0772% | 6,752 |
| Equity capital to assets | 9.7180% | 4,322 |
| Core capital (leverage) ratio | 8.9887% | 4,648 |
| Tier 1 risk-based capital ratio | 9.6502% | 7,274 |
| Total risk-based capital ratio | 10.9009% | 7,221 |
| Memoranda: | ||
| Average total assets | $184,695,670 | 3,413 |
| Average earning assets | $172,417,670 | 3,362 |
| Average equity | $18,027,670 | 3,543 |
| Average total loans | $154,336,330 | 2,916 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2403% | 1,476 |
| Cost of funding earning assets | 2.3862% | 2,349 |
| Net interest margin | 3.8541% | 3,233 |
| Noninterest income to average assets | 0.3966% | 5,235 |
| Noninterest expense to average assets | 1.5208% | 7,974 |
| Loan and lease loss provision to assets | 0.2586% | 3,896 |
| Net operating income to assets | 2.1037% | 283 |
| Return on assets (ROA) | 2.1037% | 329 |
| Pretax return on assets | 2.2133% | 433 |
| Return on Equity (ROE) | 21.5042% | 328 |
| Retained earnings to average equity (ytd only) | 15.0081% | 416 |
| Net charge-offs to loans | 0.0238% | 5,221 |
| Credit loss provision to net charge-offs | 1,311.1111% | 481 |
| Earnings coverage of net charge-offs (x) | 125.3333% | 346 |
| Efficiency ratio | 38.0351% | 8,083 |
| Assets per employee ($millions) | 6.4798% | 972 |
| Cash dividends to net income (ytd only)* | 30.2083% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 3,772 |
| Loan loss allowance to noncurrent loans | 137.4077% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 5,126 |
| Noncurrent loans to loans | 0.9856% | 5,026 |
| Net loans and leases to total assets | 82.1358% | 994 |
| Net loans and leases to deposits | 103.3282% | 1,066 |
| Net loans and leases to core deposits | 138.2787% | 1,189 |
| Total domestic deposits to total assets | 79.4902% | 5,544 |
| Equity capital to assets | 10.0670% | 3,925 |
| Core capital (leverage) ratio | 9.1487% | 4,484 |
| Tier 1 risk-based capital ratio | 10.1084% | 6,802 |
| Total risk-based capital ratio | 11.3588% | 6,713 |
| Memoranda: | ||
| Average total assets | $182,533,500 | 3,470 |
| Average earning assets | $170,311,500 | 3,419 |
| Average equity | $17,857,000 | 3,581 |
| Average total loans | $151,470,000 | 2,981 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8461% | 1,538 |
| Cost of funding earning assets | 3.1347% | 1,400 |
| Net interest margin | 3.7114% | 4,424 |
| Noninterest income to average assets | 0.3906% | 5,553 |
| Noninterest expense to average assets | 1.5950% | 7,969 |
| Loan and lease loss provision to assets | 0.1623% | 5,305 |
| Net operating income to assets | 1.9867% | 365 |
| Return on assets (ROA) | 1.9867% | 345 |
| Pretax return on assets | 2.0887% | 499 |
| Return on Equity (ROE) | 21.1801% | 294 |
| Retained earnings to average equity (ytd only) | 9.7675% | 480 |
| Net charge-offs to loans | 0.2972% | 3,409 |
| Credit loss provision to net charge-offs | 66.4336% | 6,133 |
| Earnings coverage of net charge-offs (x) | 9.2145% | 2,732 |
| Efficiency ratio | 41.3977% | 8,092 |
| Assets per employee ($millions) | 6.5583% | 864 |
| Cash dividends to net income (ytd only)* | 53.8836% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 3,959 |
| Loan loss allowance to noncurrent loans | 391.3131% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 6,497 |
| Noncurrent loans to loans | 0.3259% | 6,396 |
| Net loans and leases to total assets | 81.6492% | 1,294 |
| Net loans and leases to deposits | 103.4863% | 1,398 |
| Net loans and leases to core deposits | 138.0061% | 1,373 |
| Total domestic deposits to total assets | 78.8986% | 5,408 |
| Equity capital to assets | 9.5022% | 4,693 |
| Core capital (leverage) ratio | 8.8333% | 4,992 |
| Tier 1 risk-based capital ratio | 9.7573% | 7,007 |
| Total risk-based capital ratio | 10.9692% | 6,964 |
| Memoranda: | ||
| Average total assets | $175,615,400 | 3,467 |
| Average earning assets | $163,494,200 | 3,425 |
| Average equity | $16,473,000 | 3,830 |
| Average total loans | $144,344,600 | 3,017 |