Home > Rayne State Bank & Trust Company > Performance and Condition Ratios
Rayne State Bank & Trust Company, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6038% | 1,620 |
| Cost of funding earning assets | 1.4261% | 3,352 |
| Net interest margin | 4.1777% | 883 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.5331% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.7770% | 590 |
| Return on assets (ROA) | 1.7770% | 597 |
| Pretax return on assets | 1.7770% | 860 |
| Return on Equity (ROE) | 17.2900% | 690 |
| Retained earnings to average equity (ytd only) | 13.2917% | 572 |
| Net charge-offs to loans | 0.0655% | 927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 39.6607% | 1,068 |
| Efficiency ratio | 58.7711% | 3,381 |
| Assets per employee ($millions) | 7.0791% | 2,037 |
| Cash dividends to net income (ytd only)* | 23.1427% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7149% | 647 |
| Loan loss allowance to noncurrent loans | 7,321.2500% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,672 |
| Noncurrent loans to loans | 0.0234% | 3,616 |
| Net loans and leases to total assets | 66.7800% | 2,143 |
| Net loans and leases to deposits | 75.4576% | 2,475 |
| Net loans and leases to core deposits | 78.9758% | 2,798 |
| Total domestic deposits to total assets | 88.5100% | 1,251 |
| Equity capital to assets | 10.3109% | 1,830 |
| Core capital (leverage) ratio | 13.1902% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1907% | 670 |
| Memoranda: | ||
| Average total assets | $499,939,500 | 1,764 |
| Average earning assets | $473,175,500 | 1,734 |
| Average equity | $51,370,500 | 1,658 |
| Average total loans | $342,229,500 | 1,690 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2031% | 1,652 |
| Cost of funding earning assets | 0.9103% | 3,498 |
| Net interest margin | 4.2928% | 823 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.5413% | 2,186 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.8049% | 606 |
| Return on assets (ROA) | 1.8049% | 585 |
| Pretax return on assets | 1.8049% | 883 |
| Return on Equity (ROE) | 18.7300% | 734 |
| Retained earnings to average equity (ytd only) | 9.6013% | 1,116 |
| Net charge-offs to loans | 0.0114% | 2,217 |
| Credit loss provision to net charge-offs | 540.5405% | 637 |
| Earnings coverage of net charge-offs (x) | 244.0811% | 508 |
| Efficiency ratio | 57.9269% | 3,302 |
| Assets per employee ($millions) | 6.6302% | 2,317 |
| Cash dividends to net income (ytd only)* | 48.7487% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 625 |
| Loan loss allowance to noncurrent loans | 3,942.0000% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,464 |
| Noncurrent loans to loans | 0.0437% | 3,409 |
| Net loans and leases to total assets | 67.7700% | 2,065 |
| Net loans and leases to deposits | 76.4094% | 2,414 |
| Net loans and leases to core deposits | 80.2330% | 2,690 |
| Total domestic deposits to total assets | 88.7000% | 1,156 |
| Equity capital to assets | 10.2395% | 1,875 |
| Core capital (leverage) ratio | 12.8572% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7841% | 710 |
| Memoranda: | ||
| Average total assets | $489,284,200 | 1,749 |
| Average earning assets | $462,477,200 | 1,727 |
| Average equity | $47,139,600 | 1,677 |
| Average total loans | $325,174,400 | 1,701 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 1,693 |
| Cost of funding earning assets | 0.7636% | 3,625 |
| Net interest margin | 4.3070% | 798 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.5495% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8655% | 587 |
| Return on assets (ROA) | 1.8655% | 578 |
| Pretax return on assets | 1.8655% | 907 |
| Return on Equity (ROE) | 19.6800% | 758 |
| Retained earnings to average equity (ytd only) | 14.6014% | 602 |
| Net charge-offs to loans | 0.0129% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 219.9355% | 555 |
| Efficiency ratio | 57.7467% | 3,239 |
| Assets per employee ($millions) | 6.6075% | 2,239 |
| Cash dividends to net income (ytd only)* | 25.7994% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 692 |
| Loan loss allowance to noncurrent loans | 16,820.5882% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,791 |
| Noncurrent loans to loans | 0.0101% | 3,725 |
| Net loans and leases to total assets | 66.5700% | 2,193 |
| Net loans and leases to deposits | 74.2118% | 2,545 |
| Net loans and leases to core deposits | 77.5884% | 2,763 |
| Total domestic deposits to total assets | 89.7100% | 1,017 |
| Equity capital to assets | 9.0292% | 2,395 |
| Core capital (leverage) ratio | 13.1757% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3347% | 669 |
| Memoranda: | ||
| Average total assets | $487,289,500 | 1,755 |
| Average earning assets | $461,133,750 | 1,734 |
| Average equity | $46,195,250 | 1,691 |
| Average total loans | $320,735,250 | 1,713 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 1,614 |
| Cost of funding earning assets | 0.5247% | 3,933 |
| Net interest margin | 4.4423% | 663 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.5381% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0118% | 454 |
| Return on assets (ROA) | 2.0118% | 452 |
| Pretax return on assets | 2.0118% | 728 |
| Return on Equity (ROE) | 20.8800% | 623 |
| Retained earnings to average equity (ytd only) | 16.4701% | 429 |
| Net charge-offs to loans | 0.0006% | 2,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4,874.0000% | 17 |
| Efficiency ratio | 55.7834% | 3,448 |
| Assets per employee ($millions) | 6.6019% | 2,211 |
| Cash dividends to net income (ytd only)* | 21.1325% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 681 |
| Loan loss allowance to noncurrent loans | 95,816.6667% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,897 |
| Noncurrent loans to loans | 0.0018% | 3,827 |
| Net loans and leases to total assets | 66.2000% | 2,134 |
| Net loans and leases to deposits | 75.2877% | 2,385 |
| Net loans and leases to core deposits | 77.7609% | 2,631 |
| Total domestic deposits to total assets | 87.9300% | 1,631 |
| Equity capital to assets | 9.9122% | 1,909 |
| Core capital (leverage) ratio | 12.9716% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2001% | 697 |
| Memoranda: | ||
| Average total assets | $484,533,000 | 1,763 |
| Average earning assets | $458,550,000 | 1,741 |
| Average equity | $46,678,667 | 1,678 |
| Average total loans | $315,772,333 | 1,723 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 1,625 |
| Cost of funding earning assets | 0.4212% | 3,904 |
| Net interest margin | 4.3762% | 716 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.5424% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9555% | 530 |
| Return on assets (ROA) | 1.9555% | 518 |
| Pretax return on assets | 1.9555% | 841 |
| Return on Equity (ROE) | 20.6000% | 697 |
| Retained earnings to average equity (ytd only) | 16.1029% | 682 |
| Net charge-offs to loans | -0.0013% | 3,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.5241% | 3,353 |
| Assets per employee ($millions) | 6.7936% | 2,123 |
| Cash dividends to net income (ytd only)* | 21.8313% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 620 |
| Loan loss allowance to noncurrent loans | 95,850.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,922 |
| Noncurrent loans to loans | 0.0019% | 3,854 |
| Net loans and leases to total assets | 62.0900% | 2,458 |
| Net loans and leases to deposits | 69.4288% | 2,661 |
| Net loans and leases to core deposits | 70.6698% | 2,905 |
| Total domestic deposits to total assets | 89.4300% | 1,364 |
| Equity capital to assets | 9.5738% | 2,084 |
| Core capital (leverage) ratio | 12.7004% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3580% | 707 |
| Memoranda: | ||
| Average total assets | $482,530,500 | 1,783 |
| Average earning assets | $456,741,000 | 1,754 |
| Average equity | $45,805,500 | 1,715 |
| Average total loans | $309,075,500 | 1,760 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 953 |
| Cost of funding earning assets | 0.1926% | 3,819 |
| Net interest margin | 4.1648% | 586 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.5677% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7472% | 492 |
| Return on assets (ROA) | 1.7472% | 466 |
| Pretax return on assets | 1.7472% | 820 |
| Return on Equity (ROE) | 17.6300% | 764 |
| Retained earnings to average equity (ytd only) | 9.8917% | 1,196 |
| Net charge-offs to loans | 0.0007% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4,182.5000% | 33 |
| Efficiency ratio | 59.5072% | 3,120 |
| Assets per employee ($millions) | 6.3395% | 2,475 |
| Cash dividends to net income (ytd only)* | 43.8972% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9147% | 517 |
| Loan loss allowance to noncurrent loans | 3,621.1180% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,460 |
| Noncurrent loans to loans | 0.0529% | 3,375 |
| Net loans and leases to total assets | 63.6600% | 2,274 |
| Net loans and leases to deposits | 71.0299% | 2,486 |
| Net loans and leases to core deposits | 72.1573% | 2,713 |
| Total domestic deposits to total assets | 89.6300% | 1,507 |
| Equity capital to assets | 9.4071% | 2,076 |
| Core capital (leverage) ratio | 12.3939% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8751% | 733 |
| Memoranda: | ||
| Average total assets | $478,759,000 | 1,776 |
| Average earning assets | $453,208,200 | 1,746 |
| Average equity | $47,443,800 | 1,690 |
| Average total loans | $302,246,200 | 1,711 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 827 |
| Cost of funding earning assets | 0.1668% | 3,659 |
| Net interest margin | 4.0717% | 542 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4603% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7216% | 503 |
| Return on assets (ROA) | 1.7216% | 494 |
| Pretax return on assets | 1.7216% | 863 |
| Return on Equity (ROE) | 17.1600% | 763 |
| Retained earnings to average equity (ytd only) | 12.8933% | 628 |
| Net charge-offs to loans | 0.0022% | 2,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,242.6000% | 113 |
| Efficiency ratio | 58.8325% | 3,280 |
| Assets per employee ($millions) | 6.4228% | 2,389 |
| Cash dividends to net income (ytd only)* | 24.8672% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 555 |
| Loan loss allowance to noncurrent loans | 5,202.6786% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,708 |
| Noncurrent loans to loans | 0.0373% | 3,624 |
| Net loans and leases to total assets | 61.8700% | 2,306 |
| Net loans and leases to deposits | 68.4816% | 2,496 |
| Net loans and leases to core deposits | 69.4140% | 2,689 |
| Total domestic deposits to total assets | 90.3500% | 1,502 |
| Equity capital to assets | 8.5297% | 2,523 |
| Core capital (leverage) ratio | 12.3549% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8703% | 654 |
| Memoranda: | ||
| Average total assets | $481,167,250 | 1,782 |
| Average earning assets | $455,648,750 | 1,754 |
| Average equity | $48,272,000 | 1,684 |
| Average total loans | $301,686,250 | 1,706 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2113% | 619 |
| Cost of funding earning assets | 0.1585% | 3,473 |
| Net interest margin | 4.0527% | 442 |
| Noninterest income to average assets | 0.3270% | 3,209 |
| Noninterest expense to average assets | 2.4056% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7627% | 368 |
| Return on assets (ROA) | 1.7627% | 361 |
| Pretax return on assets | 1.7627% | 651 |
| Return on Equity (ROE) | 16.7476% | 597 |
| Retained earnings to average equity (ytd only) | 12.6964% | 506 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7118% | 3,595 |
| Assets per employee ($millions) | 6.5878% | 2,248 |
| Cash dividends to net income (ytd only)* | 24.1898% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9851% | 572 |
| Loan loss allowance to noncurrent loans | 3,276.4045% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,605 |
| Noncurrent loans to loans | 0.0606% | 3,498 |
| Net loans and leases to total assets | 60.7083% | 2,249 |
| Net loans and leases to deposits | 67.9156% | 2,395 |
| Net loans and leases to core deposits | 68.9162% | 2,574 |
| Total domestic deposits to total assets | 89.3878% | 2,005 |
| Equity capital to assets | 9.5954% | 1,944 |
| Core capital (leverage) ratio | 12.1684% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1489% | 615 |
| Memoranda: | ||
| Average total assets | $483,126,333 | 1,782 |
| Average earning assets | $457,915,000 | 1,756 |
| Average equity | $50,849,000 | 1,657 |
| Average total loans | $302,278,000 | 1,695 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 584 |
| Cost of funding earning assets | 0.1599% | 3,373 |
| Net interest margin | 3.9842% | 430 |
| Noninterest income to average assets | 0.3224% | 3,175 |
| Noninterest expense to average assets | 2.2686% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8370% | 304 |
| Return on assets (ROA) | 1.8370% | 309 |
| Pretax return on assets | 1.8370% | 506 |
| Return on Equity (ROE) | 16.7349% | 453 |
| Retained earnings to average equity (ytd only) | 12.8856% | 479 |
| Net charge-offs to loans | 0.0078% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 373.1667% | 268 |
| Efficiency ratio | 55.2558% | 3,941 |
| Assets per employee ($millions) | 6.7938% | 2,151 |
| Cash dividends to net income (ytd only)* | 23.0013% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 688 |
| Loan loss allowance to noncurrent loans | 3,273.0337% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,674 |
| Noncurrent loans to loans | 0.0593% | 3,562 |
| Net loans and leases to total assets | 60.2073% | 2,042 |
| Net loans and leases to deposits | 67.6944% | 2,186 |
| Net loans and leases to core deposits | 68.5844% | 2,409 |
| Total domestic deposits to total assets | 88.9399% | 2,113 |
| Equity capital to assets | 10.1510% | 1,790 |
| Core capital (leverage) ratio | 11.9005% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6001% | 592 |
| Memoranda: | ||
| Average total assets | $487,529,000 | 1,774 |
| Average earning assets | $462,933,000 | 1,750 |
| Average equity | $53,517,000 | 1,635 |
| Average total loans | $306,525,000 | 1,678 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 1,010 |
| Cost of funding earning assets | 0.1996% | 3,465 |
| Net interest margin | 3.9896% | 728 |
| Noninterest income to average assets | 0.3254% | 3,457 |
| Noninterest expense to average assets | 2.5429% | 2,049 |
| Loan and lease loss provision to assets | 0.1267% | 967 |
| Net operating income to assets | 1.4125% | 1,238 |
| Return on assets (ROA) | 1.4836% | 1,104 |
| Pretax return on assets | 1.4836% | 1,780 |
| Return on Equity (ROE) | 12.2858% | 1,718 |
| Retained earnings to average equity (ytd only) | 6.1892% | 2,278 |
| Net charge-offs to loans | 0.0013% | 2,620 |
| Credit loss provision to net charge-offs | 15,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,822.5000% | 78 |
| Efficiency ratio | 62.2944% | 2,824 |
| Assets per employee ($millions) | 6.7487% | 2,108 |
| Cash dividends to net income (ytd only)* | 49.6229% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8649% | 776 |
| Loan loss allowance to noncurrent loans | 2,675.2294% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,680 |
| Noncurrent loans to loans | 0.0697% | 3,590 |
| Net loans and leases to total assets | 63.1577% | 1,800 |
| Net loans and leases to deposits | 72.3015% | 1,883 |
| Net loans and leases to core deposits | 73.2160% | 2,142 |
| Total domestic deposits to total assets | 87.3532% | 2,358 |
| Equity capital to assets | 11.8089% | 1,341 |
| Core capital (leverage) ratio | 11.6081% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9987% | 651 |
| Memoranda: | ||
| Average total assets | $473,630,800 | 1,762 |
| Average earning assets | $445,982,200 | 1,743 |
| Average equity | $57,196,000 | 1,575 |
| Average total loans | $315,350,600 | 1,644 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 936 |
| Cost of funding earning assets | 0.2092% | 3,523 |
| Net interest margin | 4.1034% | 650 |
| Noninterest income to average assets | 0.3188% | 3,521 |
| Noninterest expense to average assets | 2.4960% | 2,129 |
| Loan and lease loss provision to assets | 0.1275% | 913 |
| Net operating income to assets | 1.5470% | 1,154 |
| Return on assets (ROA) | 1.6425% | 976 |
| Pretax return on assets | 1.6425% | 1,575 |
| Return on Equity (ROE) | 13.5243% | 1,545 |
| Retained earnings to average equity (ytd only) | 9.9198% | 1,347 |
| Net charge-offs to loans | 0.0004% | 2,442 |
| Credit loss provision to net charge-offs | 45,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 5,910.0000% | 19 |
| Efficiency ratio | 59.8478% | 2,994 |
| Assets per employee ($millions) | 6.8982% | 1,939 |
| Cash dividends to net income (ytd only)* | 26.6517% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 880 |
| Loan loss allowance to noncurrent loans | 3,424.6988% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 3,931 |
| Noncurrent loans to loans | 0.0534% | 3,843 |
| Net loans and leases to total assets | 62.3203% | 1,973 |
| Net loans and leases to deposits | 71.6640% | 2,087 |
| Net loans and leases to core deposits | 72.9250% | 2,326 |
| Total domestic deposits to total assets | 86.9619% | 2,369 |
| Equity capital to assets | 11.9858% | 1,411 |
| Core capital (leverage) ratio | 11.9830% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5108% | 571 |
| Memoranda: | ||
| Average total assets | $470,562,750 | 1,792 |
| Average earning assets | $441,707,500 | 1,783 |
| Average equity | $57,150,000 | 1,598 |
| Average total loans | $316,009,000 | 1,668 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 832 |
| Cost of funding earning assets | 0.2242% | 3,522 |
| Net interest margin | 4.1958% | 588 |
| Noninterest income to average assets | 0.3227% | 3,496 |
| Noninterest expense to average assets | 2.4983% | 2,150 |
| Loan and lease loss provision to assets | 0.1293% | 965 |
| Net operating income to assets | 1.6231% | 1,000 |
| Return on assets (ROA) | 1.7684% | 807 |
| Pretax return on assets | 1.7684% | 1,308 |
| Return on Equity (ROE) | 14.4935% | 1,288 |
| Retained earnings to average equity (ytd only) | 10.8560% | 1,160 |
| Net charge-offs to loans | 0.0013% | 2,189 |
| Credit loss provision to net charge-offs | 15,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 2,033.5000% | 52 |
| Efficiency ratio | 58.7734% | 3,178 |
| Assets per employee ($millions) | 6.5467% | 2,123 |
| Cash dividends to net income (ytd only)* | 25.0975% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 1,021 |
| Loan loss allowance to noncurrent loans | 1,702.7692% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,749 |
| Noncurrent loans to loans | 0.1010% | 3,678 |
| Net loans and leases to total assets | 67.0750% | 1,571 |
| Net loans and leases to deposits | 77.3151% | 1,696 |
| Net loans and leases to core deposits | 78.8304% | 1,976 |
| Total domestic deposits to total assets | 86.7554% | 2,444 |
| Equity capital to assets | 12.2515% | 1,245 |
| Core capital (leverage) ratio | 11.8492% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3100% | 588 |
| Memoranda: | ||
| Average total assets | $464,160,000 | 1,802 |
| Average earning assets | $434,529,667 | 1,798 |
| Average equity | $56,632,333 | 1,604 |
| Average total loans | $317,708,000 | 1,663 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 595 |
| Cost of funding earning assets | 0.2411% | 3,551 |
| Net interest margin | 4.4258% | 406 |
| Noninterest income to average assets | 0.3222% | 3,480 |
| Noninterest expense to average assets | 2.4839% | 2,219 |
| Loan and lease loss provision to assets | 0.1303% | 1,051 |
| Net operating income to assets | 1.8369% | 736 |
| Return on assets (ROA) | 2.0462% | 577 |
| Pretax return on assets | 2.0462% | 880 |
| Return on Equity (ROE) | 16.8064% | 879 |
| Retained earnings to average equity (ytd only) | 13.1326% | 890 |
| Net charge-offs to loans | 0.0063% | 1,671 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 453.0000% | 208 |
| Efficiency ratio | 55.8049% | 3,565 |
| Assets per employee ($millions) | 6.7890% | 1,948 |
| Cash dividends to net income (ytd only)* | 21.8591% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 1,097 |
| Loan loss allowance to noncurrent loans | 1,655.6923% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 3,894 |
| Noncurrent loans to loans | 0.1014% | 3,797 |
| Net loans and leases to total assets | 65.3989% | 1,885 |
| Net loans and leases to deposits | 74.7841% | 2,042 |
| Net loans and leases to core deposits | 76.2518% | 2,326 |
| Total domestic deposits to total assets | 87.4503% | 2,118 |
| Equity capital to assets | 11.6367% | 1,474 |
| Core capital (leverage) ratio | 11.8084% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5308% | 479 |
| Memoranda: | ||
| Average total assets | $460,559,000 | 1,805 |
| Average earning assets | $429,659,500 | 1,808 |
| Average equity | $56,074,000 | 1,604 |
| Average total loans | $315,712,000 | 1,680 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 1,283 |
| Cost of funding earning assets | 0.3999% | 3,579 |
| Net interest margin | 4.1107% | 764 |
| Noninterest income to average assets | 0.3487% | 3,375 |
| Noninterest expense to average assets | 2.5798% | 2,617 |
| Loan and lease loss provision to assets | 0.1334% | 2,691 |
| Net operating income to assets | 1.4999% | 812 |
| Return on assets (ROA) | 1.5175% | 841 |
| Pretax return on assets | 1.5175% | 1,276 |
| Return on Equity (ROE) | 12.1697% | 1,275 |
| Retained earnings to average equity (ytd only) | 6.4644% | 1,605 |
| Net charge-offs to loans | 0.0233% | 2,581 |
| Credit loss provision to net charge-offs | 809.8592% | 894 |
| Earnings coverage of net charge-offs (x) | 99.1408% | 789 |
| Efficiency ratio | 61.2326% | 3,271 |
| Assets per employee ($millions) | 6.0986% | 2,255 |
| Cash dividends to net income (ytd only)* | 46.8807% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 1,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.5907% | 1,610 |
| Net loans and leases to deposits | 80.6137% | 1,801 |
| Net loans and leases to core deposits | 82.3223% | 2,171 |
| Total domestic deposits to total assets | 86.3261% | 2,219 |
| Equity capital to assets | 12.7664% | 1,197 |
| Core capital (leverage) ratio | 11.8294% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1041% | 576 |
| Memoranda: | ||
| Average total assets | $430,971,600 | 1,763 |
| Average earning assets | $405,133,800 | 1,747 |
| Average equity | $53,740,200 | 1,586 |
| Average total loans | $304,975,200 | 1,665 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 1,622 |
| Cost of funding earning assets | 0.4329% | 3,624 |
| Net interest margin | 4.0493% | 1,010 |
| Noninterest income to average assets | 0.3469% | 3,389 |
| Noninterest expense to average assets | 2.5703% | 2,626 |
| Loan and lease loss provision to assets | 0.0933% | 3,151 |
| Net operating income to assets | 1.4948% | 917 |
| Return on assets (ROA) | 1.5184% | 945 |
| Pretax return on assets | 1.5184% | 1,408 |
| Return on Equity (ROE) | 12.2518% | 1,308 |
| Retained earnings to average equity (ytd only) | 8.3769% | 1,182 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8104% | 3,104 |
| Assets per employee ($millions) | 6.3962% | 1,919 |
| Cash dividends to net income (ytd only)* | 31.6274% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 1,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.3450% | 2,051 |
| Net loans and leases to deposits | 81.9375% | 2,105 |
| Net loans and leases to core deposits | 83.4995% | 2,524 |
| Total domestic deposits to total assets | 84.6316% | 2,581 |
| Equity capital to assets | 12.1391% | 1,608 |
| Core capital (leverage) ratio | 11.4655% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7633% | 600 |
| Memoranda: | ||
| Average total assets | $428,939,750 | 1,750 |
| Average earning assets | $403,750,000 | 1,727 |
| Average equity | $53,161,000 | 1,587 |
| Average total loans | $303,517,000 | 1,667 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5312% | 1,830 |
| Cost of funding earning assets | 0.4723% | 3,689 |
| Net interest margin | 4.0589% | 1,198 |
| Noninterest income to average assets | 0.3580% | 3,334 |
| Noninterest expense to average assets | 2.6252% | 2,586 |
| Loan and lease loss provision to assets | 0.0598% | 3,557 |
| Net operating income to assets | 1.4894% | 942 |
| Return on assets (ROA) | 1.4981% | 1,003 |
| Pretax return on assets | 1.4981% | 1,462 |
| Return on Equity (ROE) | 11.9969% | 1,333 |
| Retained earnings to average equity (ytd only) | 8.0541% | 1,285 |
| Net charge-offs to loans | 0.0040% | 2,835 |
| Credit loss provision to net charge-offs | 2,083.3333% | 466 |
| Earnings coverage of net charge-offs (x) | 540.1667% | 192 |
| Efficiency ratio | 62.8879% | 2,972 |
| Assets per employee ($millions) | 6.4688% | 1,815 |
| Cash dividends to net income (ytd only)* | 32.8653% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 67.3268% | 2,448 |
| Net loans and leases to deposits | 80.6527% | 2,357 |
| Net loans and leases to core deposits | 82.1981% | 2,764 |
| Total domestic deposits to total assets | 83.4775% | 2,933 |
| Equity capital to assets | 11.4063% | 2,034 |
| Core capital (leverage) ratio | 11.0818% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1823% | 652 |
| Memoranda: | ||
| Average total assets | $418,410,000 | 1,756 |
| Average earning assets | $393,405,667 | 1,738 |
| Average equity | $52,246,667 | 1,599 |
| Average total loans | $296,560,667 | 1,681 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 1,335 |
| Cost of funding earning assets | 0.5431% | 3,726 |
| Net interest margin | 4.2942% | 767 |
| Noninterest income to average assets | 0.4296% | 2,911 |
| Noninterest expense to average assets | 2.8372% | 2,317 |
| Loan and lease loss provision to assets | 0.0309% | 3,386 |
| Net operating income to assets | 1.5855% | 643 |
| Return on assets (ROA) | 1.5855% | 709 |
| Pretax return on assets | 1.5855% | 1,096 |
| Return on Equity (ROE) | 12.0542% | 1,091 |
| Retained earnings to average equity (ytd only) | 8.0204% | 1,229 |
| Net charge-offs to loans | 0.0100% | 2,217 |
| Credit loss provision to net charge-offs | 428.5714% | 958 |
| Earnings coverage of net charge-offs (x) | 224.1429% | 310 |
| Efficiency ratio | 63.7058% | 3,278 |
| Assets per employee ($millions) | 5.3236% | 2,301 |
| Cash dividends to net income (ytd only)* | 33.4633% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 70.2619% | 2,208 |
| Net loans and leases to deposits | 84.2689% | 2,193 |
| Net loans and leases to core deposits | 86.2412% | 2,658 |
| Total domestic deposits to total assets | 83.3783% | 2,989 |
| Equity capital to assets | 13.0095% | 1,423 |
| Core capital (leverage) ratio | 13.0959% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0952% | 856 |
| Memoranda: | ||
| Average total assets | $388,269,000 | 1,810 |
| Average earning assets | $363,839,500 | 1,798 |
| Average equity | $51,069,500 | 1,628 |
| Average total loans | $281,271,500 | 1,708 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 1,620 |
| Cost of funding earning assets | 0.5343% | 3,952 |
| Net interest margin | 4.4112% | 874 |
| Noninterest income to average assets | 0.4115% | 3,224 |
| Noninterest expense to average assets | 2.7896% | 2,640 |
| Loan and lease loss provision to assets | 0.0424% | 3,164 |
| Net operating income to assets | 1.7248% | 626 |
| Return on assets (ROA) | 1.7287% | 658 |
| Pretax return on assets | 1.7287% | 1,109 |
| Return on Equity (ROE) | 13.2701% | 1,090 |
| Retained earnings to average equity (ytd only) | 4.7425% | 2,558 |
| Net charge-offs to loans | -0.0076% | 4,406 |
| Credit loss provision to net charge-offs | -761.9048% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2193% | 3,504 |
| Assets per employee ($millions) | 5.2410% | 2,297 |
| Cash dividends to net income (ytd only)* | 64.2616% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.2079% | 2,059 |
| Net loans and leases to deposits | 86.9129% | 1,983 |
| Net loans and leases to core deposits | 88.7786% | 2,534 |
| Total domestic deposits to total assets | 83.0808% | 3,163 |
| Equity capital to assets | 13.3010% | 1,370 |
| Core capital (leverage) ratio | 13.0441% | 1,218 |
| Tier 1 risk-based capital ratio | 18.5161% | 1,626 |
| Total risk-based capital ratio | 19.7722% | 1,597 |
| Memoranda: | ||
| Average total assets | $377,618,000 | 1,811 |
| Average earning assets | $354,842,800 | 1,797 |
| Average equity | $49,193,200 | 1,627 |
| Average total loans | $275,632,800 | 1,714 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9295% | 1,730 |
| Cost of funding earning assets | 0.5336% | 4,004 |
| Net interest margin | 4.3958% | 955 |
| Noninterest income to average assets | 0.4127% | 3,240 |
| Noninterest expense to average assets | 2.8223% | 2,507 |
| Loan and lease loss provision to assets | 0.0319% | 3,271 |
| Net operating income to assets | 1.6905% | 763 |
| Return on assets (ROA) | 1.6951% | 794 |
| Pretax return on assets | 1.6951% | 1,344 |
| Return on Equity (ROE) | 13.0817% | 1,253 |
| Retained earnings to average equity (ytd only) | 6.5340% | 2,099 |
| Net charge-offs to loans | -0.0170% | 4,545 |
| Credit loss provision to net charge-offs | -257.1429% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1015% | 3,310 |
| Assets per employee ($millions) | 5.2334% | 2,300 |
| Cash dividends to net income (ytd only)* | 50.0522% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 71.3433% | 2,274 |
| Net loans and leases to deposits | 87.6452% | 1,982 |
| Net loans and leases to core deposits | 89.1975% | 2,616 |
| Total domestic deposits to total assets | 81.4001% | 3,640 |
| Equity capital to assets | 13.4067% | 1,400 |
| Core capital (leverage) ratio | 13.1103% | 1,303 |
| Tier 1 risk-based capital ratio | 18.7929% | 1,612 |
| Total risk-based capital ratio | 20.0494% | 1,578 |
| Memoranda: | ||
| Average total assets | $376,373,750 | 1,831 |
| Average earning assets | $353,781,750 | 1,812 |
| Average equity | $48,769,250 | 1,639 |
| Average total loans | $274,292,000 | 1,730 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 1,657 |
| Cost of funding earning assets | 0.5302% | 3,986 |
| Net interest margin | 4.4029% | 938 |
| Noninterest income to average assets | 0.4166% | 3,161 |
| Noninterest expense to average assets | 2.8156% | 2,532 |
| Loan and lease loss provision to assets | 0.0320% | 3,190 |
| Net operating income to assets | 1.7069% | 718 |
| Return on assets (ROA) | 1.7069% | 746 |
| Pretax return on assets | 1.7069% | 1,256 |
| Return on Equity (ROE) | 13.3298% | 1,147 |
| Retained earnings to average equity (ytd only) | 5.4887% | 2,523 |
| Net charge-offs to loans | -0.0132% | 4,408 |
| Credit loss provision to net charge-offs | -333.3333% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8199% | 3,465 |
| Assets per employee ($millions) | 5.0609% | 2,403 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 813 |
| Loan loss allowance to noncurrent loans | 17,803.8462% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,773 |
| Noncurrent loans to loans | 0.0096% | 4,679 |
| Net loans and leases to total assets | 71.4090% | 2,300 |
| Net loans and leases to deposits | 86.1798% | 2,239 |
| Net loans and leases to core deposits | 87.3773% | 2,857 |
| Total domestic deposits to total assets | 82.8605% | 3,254 |
| Equity capital to assets | 13.2736% | 1,450 |
| Core capital (leverage) ratio | 12.9988% | 1,296 |
| Tier 1 risk-based capital ratio | 18.6638% | 1,630 |
| Total risk-based capital ratio | 19.9203% | 1,589 |
| Memoranda: | ||
| Average total assets | $374,485,000 | 1,851 |
| Average earning assets | $351,950,330 | 1,829 |
| Average equity | $47,952,670 | 1,657 |
| Average total loans | $273,310,670 | 1,742 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 1,590 |
| Cost of funding earning assets | 0.5078% | 4,026 |
| Net interest margin | 4.3920% | 926 |
| Noninterest income to average assets | 0.4209% | 3,039 |
| Noninterest expense to average assets | 2.7879% | 2,612 |
| Loan and lease loss provision to assets | 0.0320% | 2,983 |
| Net operating income to assets | 1.7400% | 675 |
| Return on assets (ROA) | 1.7400% | 698 |
| Pretax return on assets | 1.7400% | 1,116 |
| Return on Equity (ROE) | 13.8422% | 1,001 |
| Retained earnings to average equity (ytd only) | 2.2433% | 3,996 |
| Net charge-offs to loans | -0.0190% | 4,472 |
| Credit loss provision to net charge-offs | -230.7692% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1384% | 3,658 |
| Assets per employee ($millions) | 5.1148% | 2,383 |
| Cash dividends to net income (ytd only)* | 83.7937% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 876 |
| Loan loss allowance to noncurrent loans | 14,356.2500% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,834 |
| Noncurrent loans to loans | 0.0118% | 4,735 |
| Net loans and leases to total assets | 71.4768% | 2,260 |
| Net loans and leases to deposits | 84.5975% | 2,315 |
| Net loans and leases to core deposits | 86.1583% | 2,853 |
| Total domestic deposits to total assets | 84.4905% | 2,852 |
| Equity capital to assets | 12.8075% | 1,565 |
| Core capital (leverage) ratio | 12.7112% | 1,394 |
| Tier 1 risk-based capital ratio | 19.1059% | 1,527 |
| Total risk-based capital ratio | 20.3633% | 1,496 |
| Memoranda: | ||
| Average total assets | $374,472,500 | 1,860 |
| Average earning assets | $352,911,000 | 1,832 |
| Average equity | $47,073,500 | 1,666 |
| Average total loans | $273,934,500 | 1,747 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 1,533 |
| Cost of funding earning assets | 0.3727% | 4,142 |
| Net interest margin | 4.4347% | 871 |
| Noninterest income to average assets | 0.4080% | 3,390 |
| Noninterest expense to average assets | 2.8623% | 2,477 |
| Loan and lease loss provision to assets | 0.0135% | 3,876 |
| Net operating income to assets | 1.7198% | 655 |
| Return on assets (ROA) | 1.7425% | 625 |
| Pretax return on assets | 1.7425% | 1,064 |
| Return on Equity (ROE) | 14.6100% | 921 |
| Retained earnings to average equity (ytd only) | 8.2840% | 1,127 |
| Net charge-offs to loans | -0.2617% | 5,298 |
| Credit loss provision to net charge-offs | -7.0721% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2836% | 3,469 |
| Assets per employee ($millions) | 5.2896% | 2,160 |
| Cash dividends to net income (ytd only)* | 43.2993% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 932 |
| Loan loss allowance to noncurrent loans | 14,221.8750% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,866 |
| Noncurrent loans to loans | 0.0116% | 4,752 |
| Net loans and leases to total assets | 72.3826% | 2,194 |
| Net loans and leases to deposits | 83.4959% | 2,563 |
| Net loans and leases to core deposits | 84.7218% | 3,019 |
| Total domestic deposits to total assets | 86.6900% | 1,924 |
| Equity capital to assets | 12.3351% | 1,675 |
| Core capital (leverage) ratio | 12.4384% | 1,490 |
| Tier 1 risk-based capital ratio | 18.8110% | 1,546 |
| Total risk-based capital ratio | 20.0678% | 1,511 |
| Memoranda: | ||
| Average total assets | $370,854,000 | 1,827 |
| Average earning assets | $350,192,200 | 1,808 |
| Average equity | $44,230,000 | 1,690 |
| Average total loans | $270,152,800 | 1,726 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 1,594 |
| Cost of funding earning assets | 0.3574% | 4,135 |
| Net interest margin | 4.3738% | 954 |
| Noninterest income to average assets | 0.4126% | 3,411 |
| Noninterest expense to average assets | 2.8424% | 2,492 |
| Loan and lease loss provision to assets | 0.0180% | 3,653 |
| Net operating income to assets | 1.6832% | 775 |
| Return on assets (ROA) | 1.7135% | 724 |
| Pretax return on assets | 1.7135% | 1,243 |
| Return on Equity (ROE) | 14.4935% | 986 |
| Retained earnings to average equity (ytd only) | 8.5112% | 1,413 |
| Net charge-offs to loans | -0.3529% | 5,374 |
| Credit loss provision to net charge-offs | -7.0323% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5575% | 3,415 |
| Assets per employee ($millions) | 5.4243% | 1,991 |
| Cash dividends to net income (ytd only)* | 41.2755% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 1,005 |
| Loan loss allowance to noncurrent loans | 8,281.8182% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,930 |
| Noncurrent loans to loans | 0.0197% | 4,821 |
| Net loans and leases to total assets | 72.3494% | 2,282 |
| Net loans and leases to deposits | 87.0088% | 2,260 |
| Net loans and leases to core deposits | 88.4032% | 2,809 |
| Total domestic deposits to total assets | 83.1518% | 3,248 |
| Equity capital to assets | 11.7123% | 2,091 |
| Core capital (leverage) ratio | 12.2987% | 1,617 |
| Tier 1 risk-based capital ratio | 18.3500% | 1,709 |
| Total risk-based capital ratio | 19.6069% | 1,657 |
| Memoranda: | ||
| Average total assets | $369,677,250 | 1,838 |
| Average earning assets | $349,158,750 | 1,816 |
| Average equity | $43,706,000 | 1,711 |
| Average total loans | $268,593,000 | 1,738 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,578 |
| Cost of funding earning assets | 0.3558% | 4,035 |
| Net interest margin | 4.3150% | 1,006 |
| Noninterest income to average assets | 0.4133% | 3,403 |
| Noninterest expense to average assets | 2.8509% | 2,500 |
| Loan and lease loss provision to assets | 0.0273% | 3,371 |
| Net operating income to assets | 1.6133% | 895 |
| Return on assets (ROA) | 1.6575% | 799 |
| Pretax return on assets | 1.6575% | 1,323 |
| Return on Equity (ROE) | 13.9745% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.3186% | 1,912 |
| Net charge-offs to loans | -0.1404% | 5,253 |
| Credit loss provision to net charge-offs | -26.8817% | 3,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4739% | 3,390 |
| Assets per employee ($millions) | 5.0258% | 2,384 |
| Cash dividends to net income (ytd only)* | 47.6285% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,435 |
| Loan loss allowance to noncurrent loans | 7,327.2727% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 3,836 |
| Noncurrent loans to loans | 0.0203% | 4,845 |
| Net loans and leases to total assets | 72.7323% | 2,162 |
| Net loans and leases to deposits | 87.8158% | 2,130 |
| Net loans and leases to core deposits | 89.3806% | 2,618 |
| Total domestic deposits to total assets | 82.8238% | 3,460 |
| Equity capital to assets | 11.9438% | 1,888 |
| Core capital (leverage) ratio | 12.0747% | 1,668 |
| Tier 1 risk-based capital ratio | 18.0916% | 1,776 |
| Total risk-based capital ratio | 19.3460% | 1,734 |
| Memoranda: | ||
| Average total assets | $366,335,330 | 1,862 |
| Average earning assets | $346,231,000 | 1,833 |
| Average equity | $43,450,670 | 1,726 |
| Average total loans | $265,034,670 | 1,763 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5675% | 1,670 |
| Cost of funding earning assets | 0.3338% | 4,111 |
| Net interest margin | 4.2337% | 1,095 |
| Noninterest income to average assets | 0.4109% | 3,388 |
| Noninterest expense to average assets | 2.7984% | 2,695 |
| Loan and lease loss provision to assets | 0.0546% | 2,673 |
| Net operating income to assets | 1.5626% | 928 |
| Return on assets (ROA) | 1.6139% | 831 |
| Pretax return on assets | 1.6139% | 1,352 |
| Return on Equity (ROE) | 13.6551% | 1,099 |
| Retained earnings to average equity (ytd only) | 5.0478% | 3,147 |
| Net charge-offs to loans | -0.0031% | 3,877 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3754% | 3,584 |
| Assets per employee ($millions) | 5.1701% | 2,281 |
| Cash dividends to net income (ytd only)* | 63.0332% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,634 |
| Loan loss allowance to noncurrent loans | 5,740.2985% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 3,840 |
| Noncurrent loans to loans | 0.0254% | 4,867 |
| Net loans and leases to total assets | 69.9305% | 2,498 |
| Net loans and leases to deposits | 85.2286% | 2,271 |
| Net loans and leases to core deposits | 86.7337% | 2,745 |
| Total domestic deposits to total assets | 82.0505% | 3,946 |
| Equity capital to assets | 11.5301% | 2,107 |
| Core capital (leverage) ratio | 11.9782% | 1,667 |
| Tier 1 risk-based capital ratio | 17.7989% | 1,892 |
| Total risk-based capital ratio | 19.0524% | 1,839 |
| Memoranda: | ||
| Average total assets | $366,060,500 | 1,873 |
| Average earning assets | $346,269,000 | 1,845 |
| Average equity | $43,266,000 | 1,738 |
| Average total loans | $262,115,000 | 1,786 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 1,489 |
| Cost of funding earning assets | 0.2773% | 4,346 |
| Net interest margin | 4.3017% | 958 |
| Noninterest income to average assets | 0.4164% | 3,527 |
| Noninterest expense to average assets | 2.7770% | 2,859 |
| Loan and lease loss provision to assets | 0.1240% | 1,845 |
| Net operating income to assets | 1.5709% | 691 |
| Return on assets (ROA) | 1.6382% | 619 |
| Pretax return on assets | 1.6382% | 1,199 |
| Return on Equity (ROE) | 13.7263% | 805 |
| Retained earnings to average equity (ytd only) | 8.2287% | 687 |
| Net charge-offs to loans | 0.1131% | 1,928 |
| Credit loss provision to net charge-offs | 151.2027% | 1,766 |
| Earnings coverage of net charge-offs (x) | 20.6735% | 1,955 |
| Efficiency ratio | 62.0992% | 3,923 |
| Assets per employee ($millions) | 5.1411% | 2,322 |
| Cash dividends to net income (ytd only)* | 40.0516% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,553 |
| Loan loss allowance to noncurrent loans | 3,512.9630% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 3,729 |
| Noncurrent loans to loans | 0.0415% | 4,815 |
| Net loans and leases to total assets | 71.2127% | 2,348 |
| Net loans and leases to deposits | 87.5667% | 2,071 |
| Net loans and leases to core deposits | 89.1265% | 2,643 |
| Total domestic deposits to total assets | 81.3239% | 4,045 |
| Equity capital to assets | 12.1186% | 1,753 |
| Core capital (leverage) ratio | 12.0785% | 1,563 |
| Tier 1 risk-based capital ratio | 17.7690% | 1,866 |
| Total risk-based capital ratio | 19.0226% | 1,816 |
| Memoranda: | ||
| Average total assets | $354,956,200 | 1,892 |
| Average earning assets | $334,632,800 | 1,869 |
| Average equity | $42,364,000 | 1,758 |
| Average total loans | $257,339,400 | 1,771 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 1,572 |
| Cost of funding earning assets | 0.2599% | 4,482 |
| Net interest margin | 4.2665% | 1,003 |
| Noninterest income to average assets | 0.4214% | 3,545 |
| Noninterest expense to average assets | 2.7282% | 2,966 |
| Loan and lease loss provision to assets | 0.1376% | 1,556 |
| Net operating income to assets | 1.5775% | 759 |
| Return on assets (ROA) | 1.6675% | 637 |
| Pretax return on assets | 1.6675% | 1,197 |
| Return on Equity (ROE) | 14.0267% | 826 |
| Retained earnings to average equity (ytd only) | 9.1821% | 792 |
| Net charge-offs to loans | 0.0130% | 3,275 |
| Credit loss provision to net charge-offs | 1,460.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 182.0138% | 469 |
| Efficiency ratio | 61.4014% | 3,973 |
| Assets per employee ($millions) | 5.1360% | 2,292 |
| Cash dividends to net income (ytd only)* | 34.5388% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 1,422 |
| Loan loss allowance to noncurrent loans | 290.4519% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 2,580 |
| Noncurrent loans to loans | 0.5275% | 3,115 |
| Net loans and leases to total assets | 71.2304% | 2,373 |
| Net loans and leases to deposits | 87.8609% | 2,084 |
| Net loans and leases to core deposits | 89.4347% | 2,660 |
| Total domestic deposits to total assets | 81.0718% | 4,026 |
| Equity capital to assets | 12.1539% | 1,869 |
| Core capital (leverage) ratio | 12.0582% | 1,648 |
| Tier 1 risk-based capital ratio | 17.4538% | 2,023 |
| Total risk-based capital ratio | 18.7089% | 1,971 |
| Memoranda: | ||
| Average total assets | $353,726,000 | 1,906 |
| Average earning assets | $333,442,750 | 1,887 |
| Average equity | $42,052,000 | 1,786 |
| Average total loans | $256,656,250 | 1,786 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 1,565 |
| Cost of funding earning assets | 0.2411% | 4,630 |
| Net interest margin | 4.2418% | 991 |
| Noninterest income to average assets | 0.4287% | 3,500 |
| Noninterest expense to average assets | 2.6965% | 3,101 |
| Loan and lease loss provision to assets | 0.1706% | 1,147 |
| Net operating income to assets | 1.5719% | 750 |
| Return on assets (ROA) | 1.7067% | 567 |
| Pretax return on assets | 1.7067% | 1,038 |
| Return on Equity (ROE) | 14.4661% | 740 |
| Retained earnings to average equity (ytd only) | 9.5075% | 706 |
| Net charge-offs to loans | 0.0164% | 2,915 |
| Credit loss provision to net charge-offs | 1,428.5714% | 303 |
| Earnings coverage of net charge-offs (x) | 145.9524% | 511 |
| Efficiency ratio | 60.7454% | 4,206 |
| Assets per employee ($millions) | 5.1157% | 2,255 |
| Cash dividends to net income (ytd only)* | 34.2771% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,545 |
| Loan loss allowance to noncurrent loans | 187.8411% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 2,796 |
| Noncurrent loans to loans | 0.8035% | 2,391 |
| Net loans and leases to total assets | 72.5435% | 2,115 |
| Net loans and leases to deposits | 89.5351% | 1,794 |
| Net loans and leases to core deposits | 91.0634% | 2,422 |
| Total domestic deposits to total assets | 81.0224% | 4,177 |
| Equity capital to assets | 12.1624% | 1,819 |
| Core capital (leverage) ratio | 12.0080% | 1,630 |
| Tier 1 risk-based capital ratio | 17.1962% | 2,105 |
| Total risk-based capital ratio | 18.4504% | 2,046 |
| Memoranda: | ||
| Average total assets | $351,794,000 | 1,918 |
| Average earning assets | $332,594,330 | 1,890 |
| Average equity | $41,504,000 | 1,805 |
| Average total loans | $255,517,000 | 1,790 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3777% | 1,722 |
| Cost of funding earning assets | 0.2298% | 4,720 |
| Net interest margin | 4.1479% | 1,100 |
| Noninterest income to average assets | 0.4465% | 3,334 |
| Noninterest expense to average assets | 2.6640% | 3,266 |
| Loan and lease loss provision to assets | 0.1708% | 1,032 |
| Net operating income to assets | 1.5387% | 761 |
| Return on assets (ROA) | 1.6572% | 612 |
| Pretax return on assets | 1.6572% | 1,104 |
| Return on Equity (ROE) | 14.2680% | 757 |
| Retained earnings to average equity (ytd only) | 8.9335% | 1,102 |
| Net charge-offs to loans | 0.0300% | 2,164 |
| Credit loss provision to net charge-offs | 789.4737% | 400 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 658 |
| Efficiency ratio | 60.9115% | 4,333 |
| Assets per employee ($millions) | 5.1764% | 2,207 |
| Cash dividends to net income (ytd only)* | 37.3883% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,735 |
| Loan loss allowance to noncurrent loans | 135.8762% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 2,327 |
| Noncurrent loans to loans | 1.0950% | 1,870 |
| Net loans and leases to total assets | 71.0256% | 2,216 |
| Net loans and leases to deposits | 84.2180% | 2,259 |
| Net loans and leases to core deposits | 85.6368% | 2,752 |
| Total domestic deposits to total assets | 84.3354% | 3,350 |
| Equity capital to assets | 11.7439% | 2,003 |
| Core capital (leverage) ratio | 11.7333% | 1,803 |
| Tier 1 risk-based capital ratio | 17.1091% | 2,141 |
| Total risk-based capital ratio | 18.3630% | 2,096 |
| Memoranda: | ||
| Average total assets | $351,201,000 | 1,928 |
| Average earning assets | $332,505,000 | 1,897 |
| Average equity | $40,790,500 | 1,834 |
| Average total loans | $253,281,500 | 1,818 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 1,824 |
| Cost of funding earning assets | 0.2422% | 4,635 |
| Net interest margin | 4.1570% | 1,222 |
| Noninterest income to average assets | 0.4272% | 3,696 |
| Noninterest expense to average assets | 2.5517% | 3,834 |
| Loan and lease loss provision to assets | 0.5909% | 220 |
| Net operating income to assets | 1.2180% | 1,444 |
| Return on assets (ROA) | 1.2180% | 1,532 |
| Pretax return on assets | 1.2180% | 2,597 |
| Return on Equity (ROE) | 10.9520% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.2494% | 1,581 |
| Net charge-offs to loans | 0.7234% | 294 |
| Credit loss provision to net charge-offs | 115.0538% | 2,286 |
| Earnings coverage of net charge-offs (x) | 3.5220% | 3,650 |
| Efficiency ratio | 58.5170% | 4,787 |
| Assets per employee ($millions) | 5.2299% | 2,136 |
| Cash dividends to net income (ytd only)* | 42.9381% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,906 |
| Loan loss allowance to noncurrent loans | 131.1623% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 2,373 |
| Noncurrent loans to loans | 1.0994% | 1,891 |
| Net loans and leases to total assets | 71.0989% | 2,322 |
| Net loans and leases to deposits | 81.2583% | 2,755 |
| Net loans and leases to core deposits | 82.5828% | 3,165 |
| Total domestic deposits to total assets | 87.4973% | 1,882 |
| Equity capital to assets | 11.4847% | 2,185 |
| Core capital (leverage) ratio | 11.1884% | 2,178 |
| Tier 1 risk-based capital ratio | 16.9227% | 2,177 |
| Total risk-based capital ratio | 18.1760% | 2,130 |
| Memoranda: | ||
| Average total assets | $362,154,800 | 1,843 |
| Average earning assets | $342,674,800 | 1,813 |
| Average equity | $40,275,600 | 1,841 |
| Average total loans | $257,117,800 | 1,752 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 1,951 |
| Cost of funding earning assets | 0.2396% | 4,710 |
| Net interest margin | 4.1285% | 1,316 |
| Noninterest income to average assets | 0.4291% | 3,703 |
| Noninterest expense to average assets | 2.4910% | 4,008 |
| Loan and lease loss provision to assets | 0.7176% | 156 |
| Net operating income to assets | 1.1281% | 1,884 |
| Return on assets (ROA) | 1.1281% | 1,999 |
| Pretax return on assets | 1.1281% | 3,123 |
| Return on Equity (ROE) | 10.2239% | 1,960 |
| Retained earnings to average equity (ytd only) | 5.5240% | 2,471 |
| Net charge-offs to loans | 0.9568% | 180 |
| Credit loss provision to net charge-offs | 106.0443% | 2,263 |
| Earnings coverage of net charge-offs (x) | 2.7275% | 3,530 |
| Efficiency ratio | 57.4400% | 4,897 |
| Assets per employee ($millions) | 5.2424% | 2,099 |
| Cash dividends to net income (ytd only)* | 45.9697% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,379 |
| Loan loss allowance to noncurrent loans | 116.8739% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 2,487 |
| Noncurrent loans to loans | 1.1651% | 1,927 |
| Net loans and leases to total assets | 69.6281% | 2,546 |
| Net loans and leases to deposits | 81.9013% | 2,746 |
| Net loans and leases to core deposits | 83.3001% | 3,190 |
| Total domestic deposits to total assets | 85.0146% | 2,800 |
| Equity capital to assets | 11.3954% | 2,607 |
| Core capital (leverage) ratio | 11.0009% | 2,445 |
| Tier 1 risk-based capital ratio | 16.2652% | 2,516 |
| Total risk-based capital ratio | 17.5174% | 2,468 |
| Memoranda: | ||
| Average total assets | $365,092,250 | 1,839 |
| Average earning assets | $345,560,500 | 1,802 |
| Average equity | $40,283,750 | 1,849 |
| Average total loans | $258,202,500 | 1,747 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 1,920 |
| Cost of funding earning assets | 0.2391% | 4,764 |
| Net interest margin | 4.1289% | 1,297 |
| Noninterest income to average assets | 0.4402% | 3,588 |
| Noninterest expense to average assets | 2.4232% | 4,258 |
| Loan and lease loss provision to assets | 0.9366% | 106 |
| Net operating income to assets | 0.9940% | 2,419 |
| Return on assets (ROA) | 0.9940% | 2,558 |
| Pretax return on assets | 0.9940% | 3,611 |
| Return on Equity (ROE) | 9.1064% | 2,450 |
| Retained earnings to average equity (ytd only) | 4.1880% | 3,240 |
| Net charge-offs to loans | 1.3930% | 111 |
| Credit loss provision to net charge-offs | 95.0139% | 2,184 |
| Earnings coverage of net charge-offs (x) | 1.9584% | 3,348 |
| Efficiency ratio | 55.6573% | 5,176 |
| Assets per employee ($millions) | 5.1826% | 2,103 |
| Cash dividends to net income (ytd only)* | 54.0110% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,960 |
| Loan loss allowance to noncurrent loans | 100.6454% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 2,366 |
| Noncurrent loans to loans | 1.2610% | 1,816 |
| Net loans and leases to total assets | 70.2257% | 2,445 |
| Net loans and leases to deposits | 81.3097% | 2,780 |
| Net loans and leases to core deposits | 82.9471% | 3,176 |
| Total domestic deposits to total assets | 86.3682% | 2,230 |
| Equity capital to assets | 11.2039% | 2,844 |
| Core capital (leverage) ratio | 10.7115% | 2,732 |
| Tier 1 risk-based capital ratio | 15.7510% | 2,762 |
| Total risk-based capital ratio | 17.0020% | 2,693 |
| Memoranda: | ||
| Average total assets | $366,214,330 | 1,830 |
| Average earning assets | $347,117,330 | 1,788 |
| Average equity | $39,971,670 | 1,857 |
| Average total loans | $259,156,670 | 1,744 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 1,715 |
| Cost of funding earning assets | 0.2484% | 4,726 |
| Net interest margin | 4.1798% | 1,145 |
| Noninterest income to average assets | 0.4512% | 3,474 |
| Noninterest expense to average assets | 2.6212% | 3,685 |
| Loan and lease loss provision to assets | 0.1631% | 1,269 |
| Net operating income to assets | 1.6373% | 656 |
| Return on assets (ROA) | 1.6373% | 694 |
| Pretax return on assets | 1.6373% | 1,211 |
| Return on Equity (ROE) | 15.1989% | 638 |
| Retained earnings to average equity (ytd only) | 9.4463% | 987 |
| Net charge-offs to loans | 0.0108% | 2,760 |
| Credit loss provision to net charge-offs | 2,142.8571% | 196 |
| Earnings coverage of net charge-offs (x) | 236.5714% | 263 |
| Efficiency ratio | 59.2820% | 4,840 |
| Assets per employee ($millions) | 5.2502% | 2,080 |
| Cash dividends to net income (ytd only)* | 37.8486% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,594 |
| Loan loss allowance to noncurrent loans | 736.7647% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 5,055 |
| Noncurrent loans to loans | 0.1850% | 4,751 |
| Net loans and leases to total assets | 69.0692% | 2,485 |
| Net loans and leases to deposits | 78.5418% | 2,947 |
| Net loans and leases to core deposits | 80.0684% | 3,312 |
| Total domestic deposits to total assets | 87.9394% | 1,674 |
| Equity capital to assets | 10.9534% | 2,995 |
| Core capital (leverage) ratio | 10.5171% | 2,941 |
| Tier 1 risk-based capital ratio | 15.7785% | 2,790 |
| Total risk-based capital ratio | 17.0305% | 2,727 |
| Memoranda: | ||
| Average total assets | $367,930,000 | 1,824 |
| Average earning assets | $349,491,000 | 1,778 |
| Average equity | $39,634,500 | 1,863 |
| Average total loans | $259,714,000 | 1,732 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 1,858 |
| Cost of funding earning assets | 0.2609% | 4,683 |
| Net interest margin | 4.1523% | 1,274 |
| Noninterest income to average assets | 0.4463% | 3,700 |
| Noninterest expense to average assets | 2.6806% | 3,650 |
| Loan and lease loss provision to assets | 0.1201% | 1,995 |
| Net operating income to assets | 1.5759% | 745 |
| Return on assets (ROA) | 1.5761% | 764 |
| Pretax return on assets | 1.5761% | 1,322 |
| Return on Equity (ROE) | 15.6699% | 592 |
| Retained earnings to average equity (ytd only) | 9.9771% | 462 |
| Net charge-offs to loans | 0.0062% | 4,235 |
| Credit loss provision to net charge-offs | 2,781.2500% | 132 |
| Earnings coverage of net charge-offs (x) | 392.8125% | 170 |
| Efficiency ratio | 61.2492% | 4,728 |
| Assets per employee ($millions) | 5.1880% | 2,133 |
| Cash dividends to net income (ytd only)* | 36.3294% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 3,001 |
| Loan loss allowance to noncurrent loans | 705.4507% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 5,078 |
| Noncurrent loans to loans | 0.1820% | 4,766 |
| Net loans and leases to total assets | 70.2375% | 2,329 |
| Net loans and leases to deposits | 82.1406% | 2,571 |
| Net loans and leases to core deposits | 83.8116% | 2,983 |
| Total domestic deposits to total assets | 85.5089% | 2,853 |
| Equity capital to assets | 10.5916% | 3,261 |
| Core capital (leverage) ratio | 10.2254% | 3,232 |
| Tier 1 risk-based capital ratio | 15.6994% | 2,830 |
| Total risk-based capital ratio | 16.9510% | 2,766 |
| Memoranda: | ||
| Average total assets | $370,593,200 | 1,769 |
| Average earning assets | $350,769,000 | 1,724 |
| Average equity | $37,275,400 | 1,920 |
| Average total loans | $257,715,000 | 1,682 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 1,962 |
| Cost of funding earning assets | 0.2659% | 4,709 |
| Net interest margin | 4.1222% | 1,348 |
| Noninterest income to average assets | 0.4458% | 3,751 |
| Noninterest expense to average assets | 2.6536% | 3,709 |
| Loan and lease loss provision to assets | 0.1132% | 1,996 |
| Net operating income to assets | 1.5767% | 813 |
| Return on assets (ROA) | 1.5770% | 848 |
| Pretax return on assets | 1.5770% | 1,452 |
| Return on Equity (ROE) | 15.8878% | 606 |
| Retained earnings to average equity (ytd only) | 10.8319% | 497 |
| Net charge-offs to loans | 0.0062% | 3,960 |
| Credit loss provision to net charge-offs | 2,625.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 391.9900% | 195 |
| Efficiency ratio | 61.0950% | 4,712 |
| Assets per employee ($millions) | 5.2088% | 2,054 |
| Cash dividends to net income (ytd only)* | 31.8223% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 3,502 |
| Loan loss allowance to noncurrent loans | 679.0356% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 5,243 |
| Noncurrent loans to loans | 0.1808% | 4,920 |
| Net loans and leases to total assets | 69.4944% | 2,463 |
| Net loans and leases to deposits | 81.2143% | 2,741 |
| Net loans and leases to core deposits | 83.0984% | 3,144 |
| Total domestic deposits to total assets | 85.5691% | 2,751 |
| Equity capital to assets | 10.2513% | 3,875 |
| Core capital (leverage) ratio | 10.1035% | 3,496 |
| Tier 1 risk-based capital ratio | 15.3315% | 3,124 |
| Total risk-based capital ratio | 16.5827% | 3,051 |
| Memoranda: | ||
| Average total assets | $371,154,250 | 1,781 |
| Average earning assets | $350,937,000 | 1,735 |
| Average equity | $36,840,750 | 1,953 |
| Average total loans | $256,622,750 | 1,695 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 1,998 |
| Cost of funding earning assets | 0.2734% | 4,684 |
| Net interest margin | 4.0813% | 1,404 |
| Noninterest income to average assets | 0.4494% | 3,714 |
| Noninterest expense to average assets | 2.6599% | 3,719 |
| Loan and lease loss provision to assets | 0.1136% | 1,941 |
| Net operating income to assets | 1.5346% | 850 |
| Return on assets (ROA) | 1.5346% | 889 |
| Pretax return on assets | 1.5346% | 1,540 |
| Return on Equity (ROE) | 15.6339% | 654 |
| Retained earnings to average equity (ytd only) | 10.7752% | 532 |
| Net charge-offs to loans | 0.0063% | 3,682 |
| Credit loss provision to net charge-offs | 2,625.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 381.0000% | 181 |
| Efficiency ratio | 61.7422% | 4,714 |
| Assets per employee ($millions) | 4.9521% | 2,335 |
| Cash dividends to net income (ytd only)* | 31.0782% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 3,695 |
| Loan loss allowance to noncurrent loans | 626.3473% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 5,311 |
| Noncurrent loans to loans | 0.1942% | 4,999 |
| Net loans and leases to total assets | 69.5526% | 2,395 |
| Net loans and leases to deposits | 78.7776% | 2,927 |
| Net loans and leases to core deposits | 80.5258% | 3,333 |
| Total domestic deposits to total assets | 88.2899% | 1,501 |
| Equity capital to assets | 10.0851% | 3,939 |
| Core capital (leverage) ratio | 9.6072% | 4,129 |
| Tier 1 risk-based capital ratio | 15.0873% | 3,311 |
| Total risk-based capital ratio | 16.3381% | 3,250 |
| Memoranda: | ||
| Average total assets | $369,860,330 | 1,796 |
| Average earning assets | $349,692,000 | 1,750 |
| Average equity | $36,305,670 | 1,981 |
| Average total loans | $254,207,670 | 1,715 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 2,195 |
| Cost of funding earning assets | 0.2717% | 4,765 |
| Net interest margin | 3.9974% | 1,561 |
| Noninterest income to average assets | 0.4468% | 3,654 |
| Noninterest expense to average assets | 2.6407% | 3,784 |
| Loan and lease loss provision to assets | 0.1130% | 1,826 |
| Net operating income to assets | 1.4781% | 883 |
| Return on assets (ROA) | 1.4781% | 942 |
| Pretax return on assets | 1.4781% | 1,635 |
| Return on Equity (ROE) | 15.2640% | 675 |
| Retained earnings to average equity (ytd only) | 11.0951% | 703 |
| Net charge-offs to loans | 0.0032% | 3,211 |
| Credit loss provision to net charge-offs | 5,250.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 739.0000% | 60 |
| Efficiency ratio | 62.4014% | 4,730 |
| Assets per employee ($millions) | 5.0378% | 2,304 |
| Cash dividends to net income (ytd only)* | 27.3125% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 3,935 |
| Loan loss allowance to noncurrent loans | 498.1967% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 5,311 |
| Noncurrent loans to loans | 0.2423% | 4,912 |
| Net loans and leases to total assets | 65.8272% | 2,810 |
| Net loans and leases to deposits | 74.2767% | 3,271 |
| Net loans and leases to core deposits | 76.1826% | 3,578 |
| Total domestic deposits to total assets | 88.6243% | 1,484 |
| Equity capital to assets | 9.7387% | 4,446 |
| Core capital (leverage) ratio | 9.4207% | 4,396 |
| Tier 1 risk-based capital ratio | 14.7907% | 3,546 |
| Total risk-based capital ratio | 16.0410% | 3,476 |
| Memoranda: | ||
| Average total assets | $371,564,500 | 1,796 |
| Average earning assets | $351,830,000 | 1,748 |
| Average equity | $35,980,000 | 2,014 |
| Average total loans | $252,304,000 | 1,725 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 1,443 |
| Cost of funding earning assets | 0.2893% | 4,907 |
| Net interest margin | 4.3500% | 968 |
| Noninterest income to average assets | 0.4708% | 3,706 |
| Noninterest expense to average assets | 2.7673% | 3,605 |
| Loan and lease loss provision to assets | 0.0947% | 2,571 |
| Net operating income to assets | 1.6741% | 607 |
| Return on assets (ROA) | 1.6741% | 632 |
| Pretax return on assets | 1.6741% | 1,042 |
| Return on Equity (ROE) | 17.9171% | 402 |
| Retained earnings to average equity (ytd only) | 11.6897% | 322 |
| Net charge-offs to loans | 0.0341% | 4,149 |
| Credit loss provision to net charge-offs | 392.8571% | 661 |
| Earnings coverage of net charge-offs (x) | 73.3571% | 685 |
| Efficiency ratio | 61.0049% | 5,069 |
| Assets per employee ($millions) | 4.8706% | 2,507 |
| Cash dividends to net income (ytd only)* | 34.7565% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 4,216 |
| Loan loss allowance to noncurrent loans | 478.9560% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 5,350 |
| Noncurrent loans to loans | 0.2424% | 4,962 |
| Net loans and leases to total assets | 68.4147% | 2,500 |
| Net loans and leases to deposits | 77.9356% | 2,983 |
| Net loans and leases to core deposits | 80.2675% | 3,264 |
| Total domestic deposits to total assets | 87.7836% | 1,876 |
| Equity capital to assets | 9.6262% | 4,558 |
| Core capital (leverage) ratio | 9.2879% | 4,555 |
| Tier 1 risk-based capital ratio | 13.8210% | 4,227 |
| Total risk-based capital ratio | 15.0111% | 4,196 |
| Memoranda: | ||
| Average total assets | $348,357,800 | 1,870 |
| Average earning assets | $325,563,800 | 1,842 |
| Average equity | $32,550,000 | 2,136 |
| Average total loans | $246,133,600 | 1,710 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 1,339 |
| Cost of funding earning assets | 0.2905% | 4,981 |
| Net interest margin | 4.3965% | 889 |
| Noninterest income to average assets | 0.4808% | 3,680 |
| Noninterest expense to average assets | 2.7524% | 3,633 |
| Loan and lease loss provision to assets | 0.1007% | 2,356 |
| Net operating income to assets | 1.7207% | 592 |
| Return on assets (ROA) | 1.7207% | 616 |
| Pretax return on assets | 1.7207% | 1,029 |
| Return on Equity (ROE) | 18.5638% | 392 |
| Retained earnings to average equity (ytd only) | 13.2926% | 296 |
| Net charge-offs to loans | 0.0360% | 3,768 |
| Credit loss provision to net charge-offs | 393.9394% | 710 |
| Earnings coverage of net charge-offs (x) | 71.2255% | 768 |
| Efficiency ratio | 60.1779% | 5,155 |
| Assets per employee ($millions) | 4.7286% | 2,619 |
| Cash dividends to net income (ytd only)* | 28.3945% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 4,523 |
| Loan loss allowance to noncurrent loans | 515.9213% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 5,561 |
| Noncurrent loans to loans | 0.2221% | 5,234 |
| Net loans and leases to total assets | 69.2182% | 2,321 |
| Net loans and leases to deposits | 78.2139% | 2,928 |
| Net loans and leases to core deposits | 80.5735% | 3,246 |
| Total domestic deposits to total assets | 88.4986% | 1,499 |
| Equity capital to assets | 9.3585% | 4,966 |
| Core capital (leverage) ratio | 9.4787% | 4,409 |
| Tier 1 risk-based capital ratio | 13.6677% | 4,433 |
| Total risk-based capital ratio | 14.8453% | 4,423 |
| Memoranda: | ||
| Average total assets | $344,123,250 | 1,899 |
| Average earning assets | $320,367,250 | 1,878 |
| Average equity | $31,896,500 | 2,178 |
| Average total loans | $244,454,000 | 1,732 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 1,346 |
| Cost of funding earning assets | 0.2890% | 5,083 |
| Net interest margin | 4.3824% | 877 |
| Noninterest income to average assets | 0.5002% | 3,483 |
| Noninterest expense to average assets | 2.7643% | 3,642 |
| Loan and lease loss provision to assets | 0.1032% | 2,296 |
| Net operating income to assets | 1.7290% | 547 |
| Return on assets (ROA) | 1.7290% | 578 |
| Pretax return on assets | 1.7290% | 964 |
| Return on Equity (ROE) | 18.7177% | 389 |
| Retained earnings to average equity (ytd only) | 14.2793% | 248 |
| Net charge-offs to loans | 0.0512% | 3,239 |
| Credit loss provision to net charge-offs | 282.2581% | 902 |
| Earnings coverage of net charge-offs (x) | 50.0968% | 909 |
| Efficiency ratio | 60.1386% | 5,274 |
| Assets per employee ($millions) | 4.9086% | 2,329 |
| Cash dividends to net income (ytd only)* | 23.7120% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 4,907 |
| Loan loss allowance to noncurrent loans | 1,192.7660% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 5,976 |
| Noncurrent loans to loans | 0.0922% | 5,737 |
| Net loans and leases to total assets | 71.3255% | 1,859 |
| Net loans and leases to deposits | 80.5953% | 2,439 |
| Net loans and leases to core deposits | 83.0685% | 2,844 |
| Total domestic deposits to total assets | 88.4984% | 1,638 |
| Equity capital to assets | 9.2508% | 5,034 |
| Core capital (leverage) ratio | 9.3256% | 4,558 |
| Tier 1 risk-based capital ratio | 13.1224% | 4,836 |
| Total risk-based capital ratio | 14.2532% | 4,846 |
| Memoranda: | ||
| Average total assets | $339,039,330 | 1,924 |
| Average earning assets | $316,901,330 | 1,892 |
| Average equity | $31,318,000 | 2,198 |
| Average total loans | $242,059,670 | 1,746 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 1,356 |
| Cost of funding earning assets | 0.2780% | 5,306 |
| Net interest margin | 4.3790% | 842 |
| Noninterest income to average assets | 0.5159% | 3,287 |
| Noninterest expense to average assets | 2.7434% | 3,786 |
| Loan and lease loss provision to assets | 0.1205% | 1,985 |
| Net operating income to assets | 1.7538% | 521 |
| Return on assets (ROA) | 1.7538% | 536 |
| Pretax return on assets | 1.7538% | 871 |
| Return on Equity (ROE) | 19.0010% | 360 |
| Retained earnings to average equity (ytd only) | 17.0813% | 218 |
| Net charge-offs to loans | 0.0628% | 2,534 |
| Credit loss provision to net charge-offs | 270.2703% | 854 |
| Earnings coverage of net charge-offs (x) | 42.0270% | 849 |
| Efficiency ratio | 59.4101% | 5,487 |
| Assets per employee ($millions) | 4.7161% | 2,645 |
| Cash dividends to net income (ytd only)* | 10.1031% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 4,896 |
| Loan loss allowance to noncurrent loans | 1,186.6379% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 6,062 |
| Noncurrent loans to loans | 0.0965% | 5,838 |
| Net loans and leases to total assets | 69.9969% | 1,885 |
| Net loans and leases to deposits | 79.1757% | 2,408 |
| Net loans and leases to core deposits | 81.5155% | 2,789 |
| Total domestic deposits to total assets | 88.4071% | 1,989 |
| Equity capital to assets | 9.2610% | 4,798 |
| Core capital (leverage) ratio | 9.4355% | 4,367 |
| Tier 1 risk-based capital ratio | 12.8801% | 5,075 |
| Total risk-based capital ratio | 14.0022% | 5,095 |
| Memoranda: | ||
| Average total assets | $331,849,500 | 1,976 |
| Average earning assets | $310,846,000 | 1,943 |
| Average equity | $30,630,000 | 2,234 |
| Average total loans | $235,649,000 | 1,787 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 2,307 |
| Cost of funding earning assets | 0.2904% | 5,670 |
| Net interest margin | 4.1830% | 1,407 |
| Noninterest income to average assets | 0.5301% | 3,549 |
| Noninterest expense to average assets | 2.7774% | 3,804 |
| Loan and lease loss provision to assets | 0.0813% | 3,486 |
| Net operating income to assets | 1.5981% | 695 |
| Return on assets (ROA) | 1.5984% | 712 |
| Pretax return on assets | 1.5984% | 1,172 |
| Return on Equity (ROE) | 17.8684% | 420 |
| Retained earnings to average equity (ytd only) | 8.9599% | 777 |
| Net charge-offs to loans | 0.0065% | 5,327 |
| Credit loss provision to net charge-offs | 1,892.8571% | 128 |
| Earnings coverage of net charge-offs (x) | 390.7857% | 111 |
| Efficiency ratio | 62.3183% | 5,153 |
| Assets per employee ($millions) | 4.3218% | 3,230 |
| Cash dividends to net income (ytd only)* | 49.8560% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 4,833 |
| Loan loss allowance to noncurrent loans | 1,758.1699% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 6,232 |
| Noncurrent loans to loans | 0.0663% | 6,021 |
| Net loans and leases to total assets | 70.3937% | 1,956 |
| Net loans and leases to deposits | 79.1094% | 2,573 |
| Net loans and leases to core deposits | 81.7197% | 2,931 |
| Total domestic deposits to total assets | 88.9827% | 1,644 |
| Equity capital to assets | 9.1977% | 4,809 |
| Core capital (leverage) ratio | 9.3541% | 4,469 |
| Tier 1 risk-based capital ratio | 12.7045% | 5,172 |
| Total risk-based capital ratio | 13.8327% | 5,189 |
| Memoranda: | ||
| Average total assets | $325,767,200 | 1,979 |
| Average earning assets | $305,812,400 | 1,936 |
| Average equity | $29,140,800 | 2,305 |
| Average total loans | $214,539,800 | 1,897 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 2,502 |
| Cost of funding earning assets | 0.2961% | 5,766 |
| Net interest margin | 4.1307% | 1,536 |
| Noninterest income to average assets | 0.5289% | 3,598 |
| Noninterest expense to average assets | 2.7396% | 3,868 |
| Loan and lease loss provision to assets | 0.0879% | 3,304 |
| Net operating income to assets | 1.5738% | 788 |
| Return on assets (ROA) | 1.5738% | 838 |
| Pretax return on assets | 1.5738% | 1,409 |
| Return on Equity (ROE) | 17.7174% | 465 |
| Retained earnings to average equity (ytd only) | 8.8173% | 1,116 |
| Net charge-offs to loans | 0.0038% | 5,126 |
| Credit loss provision to net charge-offs | 3,583.3333% | 96 |
| Earnings coverage of net charge-offs (x) | 677.4825% | 79 |
| Efficiency ratio | 62.2458% | 5,102 |
| Assets per employee ($millions) | 4.3964% | 3,057 |
| Cash dividends to net income (ytd only)* | 50.2337% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 4,958 |
| Loan loss allowance to noncurrent loans | 1,708.3871% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 6,321 |
| Noncurrent loans to loans | 0.0692% | 6,132 |
| Net loans and leases to total assets | 68.0713% | 2,282 |
| Net loans and leases to deposits | 77.1168% | 2,806 |
| Net loans and leases to core deposits | 79.6723% | 3,157 |
| Total domestic deposits to total assets | 88.2704% | 1,954 |
| Equity capital to assets | 9.0486% | 5,126 |
| Core capital (leverage) ratio | 9.2077% | 4,820 |
| Tier 1 risk-based capital ratio | 12.6445% | 5,363 |
| Total risk-based capital ratio | 13.7757% | 5,382 |
| Memoranda: | ||
| Average total assets | $326,174,750 | 1,982 |
| Average earning assets | $305,769,750 | 1,945 |
| Average equity | $28,972,750 | 2,336 |
| Average total loans | $210,459,250 | 1,926 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 2,723 |
| Cost of funding earning assets | 0.3032% | 5,803 |
| Net interest margin | 4.0559% | 1,673 |
| Noninterest income to average assets | 0.5214% | 3,693 |
| Noninterest expense to average assets | 2.6993% | 4,036 |
| Loan and lease loss provision to assets | 0.0919% | 3,251 |
| Net operating income to assets | 1.5494% | 819 |
| Return on assets (ROA) | 1.5494% | 889 |
| Pretax return on assets | 1.5494% | 1,486 |
| Return on Equity (ROE) | 17.5517% | 502 |
| Retained earnings to average equity (ytd only) | 8.6752% | 1,234 |
| Net charge-offs to loans | 0.0097% | 4,689 |
| Credit loss provision to net charge-offs | 1,500.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 267.9000% | 188 |
| Efficiency ratio | 62.1877% | 5,151 |
| Assets per employee ($millions) | 4.2615% | 3,234 |
| Cash dividends to net income (ytd only)* | 50.5733% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 4,892 |
| Loan loss allowance to noncurrent loans | 965.9176% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 6,246 |
| Noncurrent loans to loans | 0.1261% | 6,008 |
| Net loans and leases to total assets | 66.3221% | 2,534 |
| Net loans and leases to deposits | 74.0660% | 3,143 |
| Net loans and leases to core deposits | 76.6895% | 3,466 |
| Total domestic deposits to total assets | 89.5446% | 1,299 |
| Equity capital to assets | 9.1432% | 5,049 |
| Core capital (leverage) ratio | 8.8992% | 5,146 |
| Tier 1 risk-based capital ratio | 12.8162% | 5,280 |
| Total risk-based capital ratio | 13.9587% | 5,289 |
| Memoranda: | ||
| Average total assets | $326,456,000 | 1,989 |
| Average earning assets | $307,403,000 | 1,949 |
| Average equity | $28,817,670 | 2,354 |
| Average total loans | $205,910,670 | 1,967 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 3,403 |
| Cost of funding earning assets | 0.3207% | 5,805 |
| Net interest margin | 3.8543% | 2,265 |
| Noninterest income to average assets | 0.5253% | 3,602 |
| Noninterest expense to average assets | 2.6156% | 4,354 |
| Loan and lease loss provision to assets | 0.0904% | 3,156 |
| Net operating income to assets | 1.4686% | 916 |
| Return on assets (ROA) | 1.4686% | 997 |
| Pretax return on assets | 1.4686% | 1,655 |
| Return on Equity (ROE) | 16.9247% | 515 |
| Retained earnings to average equity (ytd only) | 8.3860% | 1,611 |
| Net charge-offs to loans | 0.0158% | 3,839 |
| Credit loss provision to net charge-offs | 937.5000% | 331 |
| Earnings coverage of net charge-offs (x) | 161.7500% | 250 |
| Efficiency ratio | 62.6551% | 5,210 |
| Assets per employee ($millions) | 4.7375% | 2,587 |
| Cash dividends to net income (ytd only)* | 50.4512% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 5,122 |
| Loan loss allowance to noncurrent loans | 924.7232% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 6,349 |
| Noncurrent loans to loans | 0.1311% | 6,076 |
| Net loans and leases to total assets | 61.5769% | 3,149 |
| Net loans and leases to deposits | 68.4097% | 3,721 |
| Net loans and leases to core deposits | 70.7902% | 3,972 |
| Total domestic deposits to total assets | 90.0119% | 1,042 |
| Equity capital to assets | 8.7710% | 5,734 |
| Core capital (leverage) ratio | 8.5198% | 5,561 |
| Tier 1 risk-based capital ratio | 12.3308% | 5,693 |
| Total risk-based capital ratio | 13.4233% | 5,763 |
| Memoranda: | ||
| Average total assets | $332,009,500 | 1,980 |
| Average earning assets | $314,350,500 | 1,932 |
| Average equity | $28,810,000 | 2,397 |
| Average total loans | $203,003,500 | 2,007 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 2,973 |
| Cost of funding earning assets | 0.4610% | 5,492 |
| Net interest margin | 4.1455% | 1,836 |
| Noninterest income to average assets | 0.5606% | 3,508 |
| Noninterest expense to average assets | 2.8377% | 3,884 |
| Loan and lease loss provision to assets | 0.0736% | 4,803 |
| Net operating income to assets | 1.5191% | 881 |
| Return on assets (ROA) | 1.5191% | 973 |
| Pretax return on assets | 1.5191% | 1,625 |
| Return on Equity (ROE) | 16.9601% | 544 |
| Retained earnings to average equity (ytd only) | 9.3277% | 741 |
| Net charge-offs to loans | 0.0078% | 5,839 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 324.4667% | 123 |
| Efficiency ratio | 64.0493% | 4,877 |
| Assets per employee ($millions) | 4.6816% | 2,663 |
| Cash dividends to net income (ytd only)* | 45.0022% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 5,000 |
| Loan loss allowance to noncurrent loans | 938.0769% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 6,413 |
| Noncurrent loans to loans | 0.1305% | 6,159 |
| Net loans and leases to total assets | 59.2242% | 3,746 |
| Net loans and leases to deposits | 65.6591% | 4,337 |
| Net loans and leases to core deposits | 68.2020% | 4,513 |
| Total domestic deposits to total assets | 90.1996% | 846 |
| Equity capital to assets | 8.5841% | 5,978 |
| Core capital (leverage) ratio | 8.5848% | 5,483 |
| Tier 1 risk-based capital ratio | 12.6385% | 5,374 |
| Total risk-based capital ratio | 13.7522% | 5,429 |
| Memoranda: | ||
| Average total assets | $305,566,200 | 2,103 |
| Average earning assets | $285,248,000 | 2,075 |
| Average equity | $27,370,200 | 2,461 |
| Average total loans | $192,523,600 | 2,074 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 2,700 |
| Cost of funding earning assets | 0.4950% | 5,467 |
| Net interest margin | 4.2273% | 1,652 |
| Noninterest income to average assets | 0.5880% | 3,360 |
| Noninterest expense to average assets | 2.8436% | 3,828 |
| Loan and lease loss provision to assets | 0.1004% | 4,316 |
| Net operating income to assets | 1.5838% | 877 |
| Return on assets (ROA) | 1.5838% | 981 |
| Pretax return on assets | 1.5838% | 1,631 |
| Return on Equity (ROE) | 17.4790% | 554 |
| Retained earnings to average equity (ytd only) | 10.0246% | 908 |
| Net charge-offs to loans | 0.0105% | 5,567 |
| Credit loss provision to net charge-offs | 1,500.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 251.6605% | 181 |
| Efficiency ratio | 62.8042% | 5,009 |
| Assets per employee ($millions) | 4.3144% | 3,244 |
| Cash dividends to net income (ytd only)* | 42.6479% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 5,124 |
| Loan loss allowance to noncurrent loans | 923.8636% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 6,387 |
| Noncurrent loans to loans | 0.1336% | 6,266 |
| Net loans and leases to total assets | 62.8296% | 3,235 |
| Net loans and leases to deposits | 70.3123% | 3,856 |
| Net loans and leases to core deposits | 74.1173% | 3,964 |
| Total domestic deposits to total assets | 89.3579% | 1,212 |
| Equity capital to assets | 9.0827% | 5,737 |
| Core capital (leverage) ratio | 9.0195% | 5,036 |
| Tier 1 risk-based capital ratio | 12.8040% | 5,404 |
| Total risk-based capital ratio | 13.9537% | 5,443 |
| Memoranda: | ||
| Average total assets | $298,859,500 | 2,166 |
| Average earning assets | $278,534,500 | 2,130 |
| Average equity | $27,079,500 | 2,496 |
| Average total loans | $190,830,500 | 2,109 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 2,732 |
| Cost of funding earning assets | 0.5239% | 5,464 |
| Net interest margin | 4.2226% | 1,691 |
| Noninterest income to average assets | 0.5913% | 3,308 |
| Noninterest expense to average assets | 2.8800% | 3,700 |
| Loan and lease loss provision to assets | 0.1017% | 4,253 |
| Net operating income to assets | 1.5393% | 932 |
| Return on assets (ROA) | 1.5393% | 1,046 |
| Pretax return on assets | 1.5393% | 1,748 |
| Return on Equity (ROE) | 17.0029% | 632 |
| Retained earnings to average equity (ytd only) | 9.6699% | 1,070 |
| Net charge-offs to loans | 0.0138% | 5,245 |
| Credit loss provision to net charge-offs | 1,153.8462% | 285 |
| Earnings coverage of net charge-offs (x) | 186.1538% | 244 |
| Efficiency ratio | 63.7018% | 4,947 |
| Assets per employee ($millions) | 3.9135% | 4,047 |
| Cash dividends to net income (ytd only)* | 43.1278% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,318 |
| Loan loss allowance to noncurrent loans | 1,690.0000% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 6,558 |
| Noncurrent loans to loans | 0.0715% | 6,491 |
| Net loans and leases to total assets | 66.7814% | 2,506 |
| Net loans and leases to deposits | 75.1328% | 3,105 |
| Net loans and leases to core deposits | 79.6125% | 3,268 |
| Total domestic deposits to total assets | 88.8846% | 1,583 |
| Equity capital to assets | 9.4504% | 5,132 |
| Core capital (leverage) ratio | 8.9032% | 5,043 |
| Tier 1 risk-based capital ratio | 12.5861% | 5,510 |
| Total risk-based capital ratio | 13.7133% | 5,576 |
| Memoranda: | ||
| Average total assets | $294,934,670 | 2,192 |
| Average earning assets | $274,478,330 | 2,159 |
| Average equity | $26,701,330 | 2,506 |
| Average total loans | $188,571,000 | 2,129 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 3,270 |
| Cost of funding earning assets | 0.5521% | 5,485 |
| Net interest margin | 4.0974% | 2,096 |
| Noninterest income to average assets | 0.5766% | 3,366 |
| Noninterest expense to average assets | 2.7984% | 4,032 |
| Loan and lease loss provision to assets | 0.1008% | 4,082 |
| Net operating income to assets | 1.4879% | 1,044 |
| Return on assets (ROA) | 1.4879% | 1,166 |
| Pretax return on assets | 1.4879% | 1,899 |
| Return on Equity (ROE) | 16.7931% | 703 |
| Retained earnings to average equity (ytd only) | 9.5267% | 1,406 |
| Net charge-offs to loans | 0.0735% | 3,763 |
| Credit loss provision to net charge-offs | 220.5882% | 1,256 |
| Earnings coverage of net charge-offs (x) | 34.7647% | 830 |
| Efficiency ratio | 63.7868% | 4,961 |
| Assets per employee ($millions) | 4.0647% | 3,876 |
| Cash dividends to net income (ytd only)* | 43.2701% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 5,352 |
| Loan loss allowance to noncurrent loans | 1,681.4815% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 6,644 |
| Noncurrent loans to loans | 0.0733% | 6,568 |
| Net loans and leases to total assets | 60.4595% | 3,568 |
| Net loans and leases to deposits | 67.5040% | 4,147 |
| Net loans and leases to core deposits | 71.3572% | 4,243 |
| Total domestic deposits to total assets | 89.5643% | 1,326 |
| Equity capital to assets | 8.8595% | 5,683 |
| Core capital (leverage) ratio | 8.7129% | 5,272 |
| Tier 1 risk-based capital ratio | 12.4867% | 5,615 |
| Total risk-based capital ratio | 13.5873% | 5,690 |
| Memoranda: | ||
| Average total assets | $297,603,500 | 2,180 |
| Average earning assets | $276,759,000 | 2,152 |
| Average equity | $26,368,000 | 2,541 |
| Average total loans | $184,975,000 | 2,171 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2322% | 1,939 |
| Cost of funding earning assets | 0.7072% | 5,492 |
| Net interest margin | 4.5250% | 1,082 |
| Noninterest income to average assets | 0.6271% | 3,023 |
| Noninterest expense to average assets | 3.0887% | 3,241 |
| Loan and lease loss provision to assets | 0.1884% | 4,299 |
| Net operating income to assets | 1.5564% | 736 |
| Return on assets (ROA) | 1.5564% | 791 |
| Pretax return on assets | 1.5564% | 1,323 |
| Return on Equity (ROE) | 16.9097% | 483 |
| Retained earnings to average equity (ytd only) | 9.3056% | 724 |
| Net charge-offs to loans | 0.0503% | 5,812 |
| Credit loss provision to net charge-offs | 554.3478% | 412 |
| Earnings coverage of net charge-offs (x) | 51.3478% | 546 |
| Efficiency ratio | 63.9031% | 5,143 |
| Assets per employee ($millions) | 3.9787% | 3,903 |
| Cash dividends to net income (ytd only)* | 44.9692% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 5,394 |
| Loan loss allowance to noncurrent loans | 1,486.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 6,688 |
| Noncurrent loans to loans | 0.0807% | 6,609 |
| Net loans and leases to total assets | 62.3588% | 3,527 |
| Net loans and leases to deposits | 69.6405% | 4,163 |
| Net loans and leases to core deposits | 73.7211% | 4,282 |
| Total domestic deposits to total assets | 89.5439% | 1,240 |
| Equity capital to assets | 8.8608% | 5,722 |
| Core capital (leverage) ratio | 8.7174% | 5,223 |
| Tier 1 risk-based capital ratio | 12.4195% | 5,517 |
| Total risk-based capital ratio | 13.5212% | 5,604 |
| Memoranda: | ||
| Average total assets | $270,758,200 | 2,335 |
| Average earning assets | $251,691,400 | 2,291 |
| Average equity | $24,920,600 | 2,592 |
| Average total loans | $183,001,200 | 2,197 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 1,764 |
| Cost of funding earning assets | 0.7410% | 5,515 |
| Net interest margin | 4.5866% | 973 |
| Noninterest income to average assets | 0.6429% | 2,928 |
| Noninterest expense to average assets | 3.1636% | 2,945 |
| Loan and lease loss provision to assets | 0.1586% | 4,481 |
| Net operating income to assets | 1.5868% | 790 |
| Return on assets (ROA) | 1.5868% | 862 |
| Pretax return on assets | 1.5868% | 1,420 |
| Return on Equity (ROE) | 17.0636% | 560 |
| Retained earnings to average equity (ytd only) | 9.4738% | 993 |
| Net charge-offs to loans | 0.0351% | 5,655 |
| Credit loss provision to net charge-offs | 656.2500% | 412 |
| Earnings coverage of net charge-offs (x) | 72.2273% | 466 |
| Efficiency ratio | 64.4447% | 4,989 |
| Assets per employee ($millions) | 3.7877% | 4,332 |
| Cash dividends to net income (ytd only)* | 44.4798% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 5,958 |
| Loan loss allowance to noncurrent loans | 2,187.3684% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 6,971 |
| Noncurrent loans to loans | 0.0494% | 6,813 |
| Net loans and leases to total assets | 67.8577% | 2,508 |
| Net loans and leases to deposits | 76.3610% | 3,272 |
| Net loans and leases to core deposits | 81.2905% | 3,441 |
| Total domestic deposits to total assets | 88.8643% | 1,508 |
| Equity capital to assets | 9.1627% | 5,566 |
| Core capital (leverage) ratio | 8.9500% | 5,015 |
| Tier 1 risk-based capital ratio | 11.9934% | 5,899 |
| Total risk-based capital ratio | 13.0083% | 6,063 |
| Memoranda: | ||
| Average total assets | $264,842,250 | 2,392 |
| Average earning assets | $246,333,000 | 2,345 |
| Average equity | $24,628,750 | 2,619 |
| Average total loans | $182,294,750 | 2,232 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3409% | 1,741 |
| Cost of funding earning assets | 0.7672% | 5,579 |
| Net interest margin | 4.5737% | 963 |
| Noninterest income to average assets | 0.6569% | 2,780 |
| Noninterest expense to average assets | 3.2615% | 2,696 |
| Loan and lease loss provision to assets | 0.1232% | 4,747 |
| Net operating income to assets | 1.5280% | 839 |
| Return on assets (ROA) | 1.5280% | 893 |
| Pretax return on assets | 1.5280% | 1,445 |
| Return on Equity (ROE) | 16.3442% | 630 |
| Retained earnings to average equity (ytd only) | 8.8559% | 1,153 |
| Net charge-offs to loans | 0.0436% | 5,248 |
| Credit loss provision to net charge-offs | 410.2564% | 733 |
| Earnings coverage of net charge-offs (x) | 54.9744% | 575 |
| Efficiency ratio | 66.3897% | 4,800 |
| Assets per employee ($millions) | 3.4780% | 4,995 |
| Cash dividends to net income (ytd only)* | 45.8165% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 6,135 |
| Loan loss allowance to noncurrent loans | 1,238.4615% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 6,951 |
| Noncurrent loans to loans | 0.0850% | 6,772 |
| Net loans and leases to total assets | 68.7324% | 2,471 |
| Net loans and leases to deposits | 77.6934% | 3,181 |
| Net loans and leases to core deposits | 82.2196% | 3,467 |
| Total domestic deposits to total assets | 88.4662% | 1,872 |
| Equity capital to assets | 9.4526% | 4,884 |
| Core capital (leverage) ratio | 8.9782% | 4,758 |
| Tier 1 risk-based capital ratio | 12.2347% | 5,576 |
| Total risk-based capital ratio | 13.2244% | 5,779 |
| Memoranda: | ||
| Average total assets | $259,693,670 | 2,460 |
| Average earning assets | $241,642,670 | 2,411 |
| Average equity | $24,277,670 | 2,630 |
| Average total loans | $178,968,000 | 2,300 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 1,705 |
| Cost of funding earning assets | 0.7759% | 5,706 |
| Net interest margin | 4.5819% | 894 |
| Noninterest income to average assets | 0.6994% | 2,582 |
| Noninterest expense to average assets | 3.3088% | 2,531 |
| Loan and lease loss provision to assets | 0.1166% | 4,551 |
| Net operating income to assets | 1.5510% | 774 |
| Return on assets (ROA) | 1.5510% | 810 |
| Pretax return on assets | 1.5510% | 1,295 |
| Return on Equity (ROE) | 16.6865% | 610 |
| Retained earnings to average equity (ytd only) | 9.0789% | 1,362 |
| Net charge-offs to loans | 0.0498% | 4,436 |
| Credit loss provision to net charge-offs | 340.9091% | 956 |
| Earnings coverage of net charge-offs (x) | 48.7727% | 590 |
| Efficiency ratio | 66.4897% | 4,947 |
| Assets per employee ($millions) | 3.5277% | 4,931 |
| Cash dividends to net income (ytd only)* | 45.5912% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 6,180 |
| Loan loss allowance to noncurrent loans | 1,941.6667% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 7,074 |
| Noncurrent loans to loans | 0.0548% | 6,908 |
| Net loans and leases to total assets | 65.5548% | 3,122 |
| Net loans and leases to deposits | 73.8457% | 3,783 |
| Net loans and leases to core deposits | 78.1692% | 3,994 |
| Total domestic deposits to total assets | 88.7728% | 1,916 |
| Equity capital to assets | 9.1284% | 4,992 |
| Core capital (leverage) ratio | 9.0560% | 4,517 |
| Tier 1 risk-based capital ratio | 12.1250% | 5,574 |
| Total risk-based capital ratio | 13.0929% | 5,828 |
| Memoranda: | ||
| Average total assets | $257,376,500 | 2,496 |
| Average earning assets | $240,247,500 | 2,447 |
| Average equity | $23,923,500 | 2,648 |
| Average total loans | $176,646,500 | 2,352 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6866% | 1,620 |
| Cost of funding earning assets | 0.7823% | 6,638 |
| Net interest margin | 4.9044% | 545 |
| Noninterest income to average assets | 0.7375% | 2,605 |
| Noninterest expense to average assets | 3.4328% | 2,348 |
| Loan and lease loss provision to assets | 0.1014% | 6,132 |
| Net operating income to assets | 1.3817% | 983 |
| Return on assets (ROA) | 1.3817% | 1,054 |
| Pretax return on assets | 1.7530% | 844 |
| Return on Equity (ROE) | 14.2945% | 830 |
| Retained earnings to average equity (ytd only) | 6.1224% | 1,755 |
| Net charge-offs to loans | -0.0055% | 7,273 |
| Credit loss provision to net charge-offs | -2,666.6667% | 7,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9277% | 5,179 |
| Assets per employee ($millions) | 3.4746% | 4,994 |
| Cash dividends to net income (ytd only)* | 57.1691% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 6,304 |
| Loan loss allowance to noncurrent loans | 1,885.4167% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 7,145 |
| Noncurrent loans to loans | 0.0539% | 6,992 |
| Net loans and leases to total assets | 70.4209% | 2,427 |
| Net loans and leases to deposits | 79.4339% | 3,267 |
| Net loans and leases to core deposits | 84.6624% | 3,499 |
| Total domestic deposits to total assets | 88.6535% | 1,854 |
| Equity capital to assets | 9.4714% | 4,439 |
| Core capital (leverage) ratio | 9.0704% | 4,412 |
| Tier 1 risk-based capital ratio | 12.0783% | 5,403 |
| Total risk-based capital ratio | 13.0368% | 5,660 |
| Memoranda: | ||
| Average total assets | $236,743,400 | 2,674 |
| Average earning assets | $219,620,600 | 2,640 |
| Average equity | $22,883,000 | 2,780 |
| Average total loans | $165,050,200 | 2,547 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7200% | 1,647 |
| Cost of funding earning assets | 0.7808% | 6,818 |
| Net interest margin | 4.9392% | 508 |
| Noninterest income to average assets | 0.7324% | 2,625 |
| Noninterest expense to average assets | 3.4637% | 2,130 |
| Loan and lease loss provision to assets | 0.1028% | 5,999 |
| Net operating income to assets | 1.2283% | 1,518 |
| Return on assets (ROA) | 1.2283% | 1,592 |
| Pretax return on assets | 1.7304% | 1,053 |
| Return on Equity (ROE) | 12.6393% | 1,350 |
| Retained earnings to average equity (ytd only) | 4.5854% | 3,280 |
| Net charge-offs to loans | -0.0140% | 7,307 |
| Credit loss provision to net charge-offs | -1,058.8235% | 7,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3904% | 4,977 |
| Assets per employee ($millions) | 3.1638% | 5,770 |
| Cash dividends to net income (ytd only)* | 63.7208% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 6,320 |
| Loan loss allowance to noncurrent loans | 43,950.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 7,382 |
| Noncurrent loans to loans | 0.0023% | 7,272 |
| Net loans and leases to total assets | 70.2960% | 2,667 |
| Net loans and leases to deposits | 79.6936% | 3,499 |
| Net loans and leases to core deposits | 84.0514% | 3,926 |
| Total domestic deposits to total assets | 88.2078% | 1,852 |
| Equity capital to assets | 9.6031% | 4,687 |
| Core capital (leverage) ratio | 9.2339% | 4,306 |
| Tier 1 risk-based capital ratio | 12.0463% | 5,422 |
| Total risk-based capital ratio | 13.0008% | 5,655 |
| Memoranda: | ||
| Average total assets | $233,386,000 | 2,740 |
| Average earning assets | $215,683,750 | 2,717 |
| Average equity | $22,680,000 | 2,845 |
| Average total loans | $161,816,750 | 2,633 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6912% | 1,798 |
| Cost of funding earning assets | 0.7675% | 7,014 |
| Net interest margin | 4.9237% | 512 |
| Noninterest income to average assets | 0.7175% | 2,596 |
| Noninterest expense to average assets | 3.5229% | 1,974 |
| Loan and lease loss provision to assets | 0.1044% | 5,872 |
| Net operating income to assets | 0.8836% | 2,607 |
| Return on assets (ROA) | 0.8836% | 2,733 |
| Pretax return on assets | 1.6480% | 1,170 |
| Return on Equity (ROE) | 9.0545% | 2,440 |
| Retained earnings to average equity (ytd only) | 1.3457% | 5,211 |
| Net charge-offs to loans | -0.0316% | 7,360 |
| Credit loss provision to net charge-offs | -480.0000% | 6,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7821% | 4,826 |
| Assets per employee ($millions) | 2.9997% | 6,138 |
| Cash dividends to net income (ytd only)* | 85.1378% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 6,313 |
| Loan loss allowance to noncurrent loans | 24,371.4286% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 7,422 |
| Noncurrent loans to loans | 0.0042% | 7,330 |
| Net loans and leases to total assets | 70.7099% | 2,744 |
| Net loans and leases to deposits | 82.0275% | 3,271 |
| Net loans and leases to core deposits | 86.7227% | 3,737 |
| Total domestic deposits to total assets | 86.2027% | 2,969 |
| Equity capital to assets | 9.8295% | 4,226 |
| Core capital (leverage) ratio | 9.2438% | 4,224 |
| Tier 1 risk-based capital ratio | 12.0303% | 5,282 |
| Total risk-based capital ratio | 12.9823% | 5,516 |
| Memoranda: | ||
| Average total assets | $229,978,000 | 2,814 |
| Average earning assets | $212,888,330 | 2,776 |
| Average equity | $22,442,000 | 2,868 |
| Average total loans | $158,087,000 | 2,718 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6095% | 2,107 |
| Cost of funding earning assets | 0.7470% | 7,238 |
| Net interest margin | 4.8624% | 569 |
| Noninterest income to average assets | 0.7352% | 2,383 |
| Noninterest expense to average assets | 3.5811% | 1,784 |
| Loan and lease loss provision to assets | 0.1053% | 5,572 |
| Net operating income to assets | 0.0175% | 6,243 |
| Return on assets (ROA) | 0.0175% | 6,354 |
| Pretax return on assets | 1.5598% | 1,366 |
| Return on Equity (ROE) | 0.1805% | 6,350 |
| Retained earnings to average equity (ytd only) | -7.3996% | 6,782 |
| Net charge-offs to loans | -0.0677% | 7,437 |
| Credit loss provision to net charge-offs | -230.7692% | 6,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2609% | 4,671 |
| Assets per employee ($millions) | 2.9492% | 6,332 |
| Cash dividends to net income (ytd only)* | 4,200.0000% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 6,231 |
| Loan loss allowance to noncurrent loans | 18,300.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 7,496 |
| Noncurrent loans to loans | 0.0057% | 7,407 |
| Net loans and leases to total assets | 66.6202% | 3,716 |
| Net loans and leases to deposits | 75.3345% | 4,524 |
| Net loans and leases to core deposits | 77.5794% | 5,074 |
| Total domestic deposits to total assets | 88.4325% | 1,835 |
| Equity capital to assets | 9.5086% | 4,522 |
| Core capital (leverage) ratio | 9.2698% | 4,107 |
| Tier 1 risk-based capital ratio | 11.8853% | 5,311 |
| Total risk-based capital ratio | 12.8176% | 5,587 |
| Memoranda: | ||
| Average total assets | $227,977,000 | 2,896 |
| Average earning assets | $211,499,500 | 2,861 |
| Average equity | $22,163,500 | 2,924 |
| Average total loans | $153,554,000 | 2,840 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7574% | 2,832 |
| Cost of funding earning assets | 0.7824% | 7,580 |
| Net interest margin | 4.9751% | 475 |
| Noninterest income to average assets | 0.7058% | 2,925 |
| Noninterest expense to average assets | 3.4564% | 2,501 |
| Loan and lease loss provision to assets | 0.1125% | 6,516 |
| Net operating income to assets | 1.2780% | 1,081 |
| Return on assets (ROA) | 1.2780% | 1,135 |
| Pretax return on assets | 1.7152% | 752 |
| Return on Equity (ROE) | 12.9583% | 968 |
| Retained earnings to average equity (ytd only) | 1.9994% | 3,703 |
| Net charge-offs to loans | 0.0560% | 6,541 |
| Credit loss provision to net charge-offs | 310.9756% | 1,057 |
| Earnings coverage of net charge-offs (x) | 50.5244% | 513 |
| Efficiency ratio | 65.4116% | 5,512 |
| Assets per employee ($millions) | 2.8585% | 6,544 |
| Cash dividends to net income (ytd only)* | 84.5702% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 6,178 |
| Loan loss allowance to noncurrent loans | 8,672.2222% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 7,513 |
| Noncurrent loans to loans | 0.0120% | 7,411 |
| Net loans and leases to total assets | 66.6842% | 3,993 |
| Net loans and leases to deposits | 74.6487% | 4,931 |
| Net loans and leases to core deposits | 85.5272% | 5,569 |
| Total domestic deposits to total assets | 89.3307% | 1,311 |
| Equity capital to assets | 9.9446% | 3,842 |
| Core capital (leverage) ratio | 9.2463% | 4,059 |
| Tier 1 risk-based capital ratio | 12.6125% | 4,433 |
| Total risk-based capital ratio | 13.5322% | 4,667 |
| Memoranda: | ||
| Average total assets | $226,682,200 | 2,859 |
| Average earning assets | $208,600,800 | 2,854 |
| Average equity | $22,356,400 | 2,903 |
| Average total loans | $146,401,400 | 2,979 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7380% | 3,150 |
| Cost of funding earning assets | 0.7861% | 7,712 |
| Net interest margin | 4.9519% | 491 |
| Noninterest income to average assets | 0.6889% | 3,097 |
| Noninterest expense to average assets | 3.4643% | 2,375 |
| Loan and lease loss provision to assets | 0.0644% | 6,711 |
| Net operating income to assets | 1.2278% | 1,400 |
| Return on assets (ROA) | 1.2278% | 1,461 |
| Pretax return on assets | 1.7134% | 945 |
| Return on Equity (ROE) | 12.4746% | 1,243 |
| Retained earnings to average equity (ytd only) | 8.9037% | 870 |
| Net charge-offs to loans | 0.0229% | 6,569 |
| Credit loss provision to net charge-offs | 440.0000% | 899 |
| Earnings coverage of net charge-offs (x) | 121.4092% | 306 |
| Efficiency ratio | 66.0856% | 5,347 |
| Assets per employee ($millions) | 3.0104% | 6,137 |
| Cash dividends to net income (ytd only)* | 28.6259% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 6,470 |
| Loan loss allowance to noncurrent loans | 10,521.4286% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 7,589 |
| Noncurrent loans to loans | 0.0092% | 7,508 |
| Net loans and leases to total assets | 65.3345% | 4,570 |
| Net loans and leases to deposits | 73.7015% | 5,404 |
| Net loans and leases to core deposits | 83.7179% | 6,061 |
| Total domestic deposits to total assets | 88.6474% | 1,364 |
| Equity capital to assets | 10.0601% | 4,016 |
| Core capital (leverage) ratio | 9.6830% | 3,673 |
| Tier 1 risk-based capital ratio | 13.3135% | 3,983 |
| Total risk-based capital ratio | 14.1869% | 4,165 |
| Memoranda: | ||
| Average total assets | $227,611,250 | 2,868 |
| Average earning assets | $209,288,000 | 2,865 |
| Average equity | $22,402,250 | 2,921 |
| Average total loans | $145,440,750 | 3,026 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7257% | 3,407 |
| Cost of funding earning assets | 0.7962% | 7,821 |
| Net interest margin | 4.9294% | 509 |
| Noninterest income to average assets | 0.6719% | 3,183 |
| Noninterest expense to average assets | 3.4843% | 2,387 |
| Loan and lease loss provision to assets | 0.0707% | 6,491 |
| Net operating income to assets | 1.2024% | 1,468 |
| Return on assets (ROA) | 1.2024% | 1,554 |
| Pretax return on assets | 1.6489% | 1,118 |
| Return on Equity (ROE) | 12.3095% | 1,332 |
| Retained earnings to average equity (ytd only) | 8.6891% | 1,011 |
| Net charge-offs to loans | 0.0154% | 6,318 |
| Credit loss provision to net charge-offs | 727.2727% | 651 |
| Earnings coverage of net charge-offs (x) | 176.8182% | 233 |
| Efficiency ratio | 66.9555% | 5,372 |
| Assets per employee ($millions) | 2.9508% | 6,265 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 6,384 |
| Loan loss allowance to noncurrent loans | 24,283.3333% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,660 |
| Noncurrent loans to loans | 0.0040% | 7,565 |
| Net loans and leases to total assets | 64.8492% | 4,797 |
| Net loans and leases to deposits | 72.8705% | 5,621 |
| Net loans and leases to core deposits | 81.8813% | 6,251 |
| Total domestic deposits to total assets | 88.9924% | 1,277 |
| Equity capital to assets | 9.9056% | 4,074 |
| Core capital (leverage) ratio | 9.5096% | 3,869 |
| Tier 1 risk-based capital ratio | 13.2635% | 3,965 |
| Total risk-based capital ratio | 14.1451% | 4,130 |
| Memoranda: | ||
| Average total assets | $226,215,670 | 2,903 |
| Average earning assets | $207,975,000 | 2,896 |
| Average equity | $22,096,670 | 2,959 |
| Average total loans | $142,948,670 | 3,098 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6503% | 4,046 |
| Cost of funding earning assets | 0.8086% | 7,901 |
| Net interest margin | 4.8418% | 559 |
| Noninterest income to average assets | 0.6823% | 2,990 |
| Noninterest expense to average assets | 3.3866% | 2,397 |
| Loan and lease loss provision to assets | 0.0886% | 5,828 |
| Net operating income to assets | 1.2529% | 1,499 |
| Return on assets (ROA) | 1.2529% | 1,601 |
| Pretax return on assets | 1.6640% | 1,260 |
| Return on Equity (ROE) | 12.9183% | 1,413 |
| Retained earnings to average equity (ytd only) | 9.2639% | 1,408 |
| Net charge-offs to loans | 0.0229% | 5,238 |
| Credit loss provision to net charge-offs | 625.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 123.6250% | 351 |
| Efficiency ratio | 65.8966% | 5,349 |
| Assets per employee ($millions) | 2.8730% | 6,469 |
| Cash dividends to net income (ytd only)* | 28.2885% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 5,999 |
| Loan loss allowance to noncurrent loans | 17,887.5000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 7,651 |
| Noncurrent loans to loans | 0.0057% | 7,561 |
| Net loans and leases to total assets | 60.9395% | 5,505 |
| Net loans and leases to deposits | 68.1901% | 6,166 |
| Net loans and leases to core deposits | 76.5690% | 6,639 |
| Total domestic deposits to total assets | 89.3671% | 1,071 |
| Equity capital to assets | 9.7697% | 4,281 |
| Core capital (leverage) ratio | 9.5295% | 3,947 |
| Tier 1 risk-based capital ratio | 13.2508% | 4,026 |
| Total risk-based capital ratio | 14.1341% | 4,188 |
| Memoranda: | ||
| Average total assets | $225,716,000 | 2,921 |
| Average earning assets | $207,776,000 | 2,913 |
| Average equity | $21,891,500 | 2,990 |
| Average total loans | $140,021,000 | 3,166 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2592% | 4,189 |
| Cost of funding earning assets | 1.2226% | 7,918 |
| Net interest margin | 5.0365% | 466 |
| Noninterest income to average assets | 0.7001% | 3,120 |
| Noninterest expense to average assets | 3.3995% | 2,684 |
| Loan and lease loss provision to assets | 0.1497% | 5,443 |
| Net operating income to assets | 1.1643% | 1,894 |
| Return on assets (ROA) | 1.1643% | 1,822 |
| Pretax return on assets | 1.7120% | 1,119 |
| Return on Equity (ROE) | 12.2810% | 1,525 |
| Retained earnings to average equity (ytd only) | 6.2085% | 1,431 |
| Net charge-offs to loans | 0.0240% | 6,511 |
| Credit loss provision to net charge-offs | 984.8485% | 457 |
| Earnings coverage of net charge-offs (x) | 122.4848% | 371 |
| Efficiency ratio | 64.6152% | 5,417 |
| Assets per employee ($millions) | 2.8058% | 6,547 |
| Cash dividends to net income (ytd only)* | 49.4462% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 6,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 61.8847% | 5,638 |
| Net loans and leases to deposits | 69.4099% | 6,335 |
| Net loans and leases to core deposits | 76.4443% | 6,837 |
| Total domestic deposits to total assets | 89.1583% | 979 |
| Equity capital to assets | 9.6268% | 4,510 |
| Core capital (leverage) ratio | 9.2489% | 4,369 |
| Tier 1 risk-based capital ratio | 12.9509% | 4,138 |
| Total risk-based capital ratio | 13.8091% | 4,304 |
| Memoranda: | ||
| Average total assets | $217,119,600 | 2,913 |
| Average earning assets | $196,623,200 | 2,931 |
| Average equity | $20,584,600 | 3,144 |
| Average total loans | $137,275,600 | 3,139 |