Home > Robertson Banking Company > Performance and Condition Ratios
Robertson Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 2,382 |
| Cost of funding earning assets | 0.9475% | 3,416 |
| Net interest margin | 3.9011% | 1,375 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.3796% | 2,647 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.5614% | 915 |
| Return on assets (ROA) | 1.5614% | 885 |
| Pretax return on assets | 1.6668% | 1,126 |
| Return on Equity (ROE) | 19.6100% | 650 |
| Retained earnings to average equity (ytd only) | 10.2152% | 959 |
| Net charge-offs to loans | 0.0563% | 1,295 |
| Credit loss provision to net charge-offs | 461.7647% | 716 |
| Earnings coverage of net charge-offs (x) | 51.3000% | 1,278 |
| Efficiency ratio | 55.3936% | 3,560 |
| Assets per employee ($millions) | 6.1454% | 2,695 |
| Cash dividends to net income (ytd only)* | 47.9173% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,002 |
| Loan loss allowance to noncurrent loans | 312.5658% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 1,658 |
| Noncurrent loans to loans | 0.4852% | 1,570 |
| Net loans and leases to total assets | 65.1900% | 2,346 |
| Net loans and leases to deposits | 73.1555% | 2,684 |
| Net loans and leases to core deposits | 80.4770% | 2,681 |
| Total domestic deposits to total assets | 89.1200% | 1,028 |
| Equity capital to assets | 8.1252% | 3,336 |
| Core capital (leverage) ratio | 9.3964% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5147% | 2,060 |
| Memoranda: | ||
| Average total assets | $455,113,000 | 1,838 |
| Average earning assets | $423,343,400 | 1,825 |
| Average equity | $36,230,400 | 2,012 |
| Average total loans | $302,209,000 | 1,784 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 2,388 |
| Cost of funding earning assets | 0.8391% | 3,429 |
| Net interest margin | 3.9023% | 1,395 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.2349% | 2,975 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.6902% | 805 |
| Return on assets (ROA) | 1.6902% | 794 |
| Pretax return on assets | 1.7908% | 1,024 |
| Return on Equity (ROE) | 21.3500% | 609 |
| Retained earnings to average equity (ytd only) | 21.3472% | 217 |
| Net charge-offs to loans | 0.0819% | 905 |
| Credit loss provision to net charge-offs | 263.5870% | 958 |
| Earnings coverage of net charge-offs (x) | 36.0707% | 1,502 |
| Efficiency ratio | 53.2276% | 3,657 |
| Assets per employee ($millions) | 5.8819% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,420 |
| Loan loss allowance to noncurrent loans | 239.9676% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 1,416 |
| Noncurrent loans to loans | 0.5867% | 1,366 |
| Net loans and leases to total assets | 68.6000% | 1,987 |
| Net loans and leases to deposits | 77.1476% | 2,317 |
| Net loans and leases to core deposits | 84.9448% | 2,266 |
| Total domestic deposits to total assets | 88.9200% | 1,286 |
| Equity capital to assets | 8.3205% | 2,841 |
| Core capital (leverage) ratio | 9.9102% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5628% | 2,056 |
| Memoranda: | ||
| Average total assets | $450,593,000 | 1,852 |
| Average earning assets | $418,543,500 | 1,842 |
| Average equity | $35,676,000 | 2,023 |
| Average total loans | $299,450,750 | 1,794 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 2,473 |
| Cost of funding earning assets | 0.7111% | 3,453 |
| Net interest margin | 3.8636% | 1,503 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.2653% | 2,901 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.6691% | 834 |
| Return on assets (ROA) | 1.6691% | 838 |
| Pretax return on assets | 1.7714% | 1,066 |
| Return on Equity (ROE) | 21.4500% | 584 |
| Retained earnings to average equity (ytd only) | 21.4473% | 203 |
| Net charge-offs to loans | 0.1251% | 586 |
| Credit loss provision to net charge-offs | 154.8913% | 1,178 |
| Earnings coverage of net charge-offs (x) | 23.2011% | 1,679 |
| Efficiency ratio | 54.4105% | 3,576 |
| Assets per employee ($millions) | 5.6907% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 1,496 |
| Loan loss allowance to noncurrent loans | 226.5775% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 1,245 |
| Noncurrent loans to loans | 0.6221% | 1,200 |
| Net loans and leases to total assets | 65.9200% | 2,163 |
| Net loans and leases to deposits | 72.5733% | 2,607 |
| Net loans and leases to core deposits | 79.4686% | 2,512 |
| Total domestic deposits to total assets | 90.8300% | 700 |
| Equity capital to assets | 8.1993% | 3,084 |
| Core capital (leverage) ratio | 9.5757% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2253% | 2,209 |
| Memoranda: | ||
| Average total assets | $449,822,000 | 1,852 |
| Average earning assets | $417,641,000 | 1,848 |
| Average equity | $35,006,667 | 2,055 |
| Average total loans | $294,223,667 | 1,806 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 2,530 |
| Cost of funding earning assets | 0.5863% | 3,420 |
| Net interest margin | 3.8227% | 1,640 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.2154% | 3,063 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.7255% | 783 |
| Return on assets (ROA) | 1.7255% | 774 |
| Pretax return on assets | 1.8322% | 1,016 |
| Return on Equity (ROE) | 22.7800% | 523 |
| Retained earnings to average equity (ytd only) | 22.7820% | 253 |
| Net charge-offs to loans | 0.0797% | 671 |
| Credit loss provision to net charge-offs | 172.4138% | 891 |
| Earnings coverage of net charge-offs (x) | 37.2586% | 1,219 |
| Efficiency ratio | 53.5568% | 3,646 |
| Assets per employee ($millions) | 5.9101% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,522 |
| Loan loss allowance to noncurrent loans | 248.5425% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 1,395 |
| Noncurrent loans to loans | 0.5730% | 1,298 |
| Net loans and leases to total assets | 63.5500% | 2,289 |
| Net loans and leases to deposits | 70.0673% | 2,604 |
| Net loans and leases to core deposits | 76.0959% | 2,523 |
| Total domestic deposits to total assets | 90.7000% | 911 |
| Equity capital to assets | 7.8189% | 3,372 |
| Core capital (leverage) ratio | 9.2759% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4388% | 2,203 |
| Memoranda: | ||
| Average total assets | $449,950,500 | 1,879 |
| Average earning assets | $418,866,000 | 1,867 |
| Average equity | $34,079,500 | 2,115 |
| Average total loans | $291,048,500 | 1,826 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 2,370 |
| Cost of funding earning assets | 0.1959% | 3,792 |
| Net interest margin | 3.5662% | 1,739 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.2901% | 2,770 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4826% | 925 |
| Return on assets (ROA) | 1.4826% | 889 |
| Pretax return on assets | 1.5810% | 1,211 |
| Return on Equity (ROE) | 18.7700% | 603 |
| Retained earnings to average equity (ytd only) | 8.1873% | 1,762 |
| Net charge-offs to loans | 0.0816% | 840 |
| Credit loss provision to net charge-offs | 67.8733% | 1,734 |
| Earnings coverage of net charge-offs (x) | 31.5792% | 1,658 |
| Efficiency ratio | 58.6332% | 3,243 |
| Assets per employee ($millions) | 5.7028% | 3,031 |
| Cash dividends to net income (ytd only)* | 56.3710% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,394 |
| Loan loss allowance to noncurrent loans | 687.0432% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 2,578 |
| Noncurrent loans to loans | 0.2085% | 2,451 |
| Net loans and leases to total assets | 63.9700% | 2,247 |
| Net loans and leases to deposits | 69.7560% | 2,601 |
| Net loans and leases to core deposits | 74.8738% | 2,504 |
| Total domestic deposits to total assets | 91.7100% | 712 |
| Equity capital to assets | 7.3236% | 3,478 |
| Core capital (leverage) ratio | 9.0829% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7306% | 2,479 |
| Memoranda: | ||
| Average total assets | $431,952,200 | 1,915 |
| Average earning assets | $393,612,000 | 1,935 |
| Average equity | $34,126,200 | 2,147 |
| Average total loans | $270,745,400 | 1,852 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5976% | 2,356 |
| Cost of funding earning assets | 0.1652% | 3,678 |
| Net interest margin | 3.4324% | 1,858 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.1567% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5210% | 804 |
| Return on assets (ROA) | 1.5210% | 782 |
| Pretax return on assets | 1.6159% | 1,080 |
| Return on Equity (ROE) | 18.8900% | 536 |
| Retained earnings to average equity (ytd only) | 18.8945% | 135 |
| Net charge-offs to loans | 0.0601% | 883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 43.3000% | 1,351 |
| Efficiency ratio | 57.1676% | 3,493 |
| Assets per employee ($millions) | 5.5553% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 1,276 |
| Loan loss allowance to noncurrent loans | 555.2989% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 2,436 |
| Noncurrent loans to loans | 0.2709% | 2,289 |
| Net loans and leases to total assets | 61.7600% | 2,320 |
| Net loans and leases to deposits | 67.1488% | 2,621 |
| Net loans and leases to core deposits | 71.8895% | 2,492 |
| Total domestic deposits to total assets | 91.9700% | 883 |
| Equity capital to assets | 7.7171% | 3,078 |
| Core capital (leverage) ratio | 9.5872% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1035% | 2,018 |
| Memoranda: | ||
| Average total assets | $428,734,750 | 1,938 |
| Average earning assets | $388,175,000 | 1,970 |
| Average equity | $34,513,500 | 2,163 |
| Average total loans | $266,255,500 | 1,872 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4163% | 2,383 |
| Cost of funding earning assets | 0.1508% | 3,563 |
| Net interest margin | 3.2655% | 2,011 |
| Noninterest income to average assets | 0.6582% | 1,508 |
| Noninterest expense to average assets | 2.1989% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3253% | 1,076 |
| Return on assets (ROA) | 1.3253% | 1,057 |
| Pretax return on assets | 1.4096% | 1,414 |
| Return on Equity (ROE) | 16.2367% | 667 |
| Retained earnings to average equity (ytd only) | 16.2367% | 177 |
| Net charge-offs to loans | -0.0076% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9367% | 3,186 |
| Assets per employee ($millions) | 5.6020% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 1,132 |
| Loan loss allowance to noncurrent loans | 853.6437% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 2,916 |
| Noncurrent loans to loans | 0.1883% | 2,764 |
| Net loans and leases to total assets | 59.0771% | 2,434 |
| Net loans and leases to deposits | 64.3127% | 2,690 |
| Net loans and leases to core deposits | 68.8821% | 2,577 |
| Total domestic deposits to total assets | 91.8591% | 900 |
| Equity capital to assets | 7.8375% | 3,240 |
| Core capital (leverage) ratio | 9.1079% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5555% | 1,845 |
| Memoranda: | ||
| Average total assets | $427,208,667 | 1,949 |
| Average earning assets | $385,976,333 | 1,998 |
| Average equity | $34,871,667 | 2,203 |
| Average total loans | $264,445,667 | 1,877 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3283% | 2,300 |
| Cost of funding earning assets | 0.1523% | 3,479 |
| Net interest margin | 3.1760% | 1,952 |
| Noninterest income to average assets | 0.5730% | 1,809 |
| Noninterest expense to average assets | 2.1481% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2133% | 1,216 |
| Return on assets (ROA) | 1.2133% | 1,205 |
| Pretax return on assets | 1.2890% | 1,538 |
| Return on Equity (ROE) | 14.5632% | 725 |
| Retained earnings to average equity (ytd only) | 14.5632% | 325 |
| Net charge-offs to loans | -0.0045% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4966% | 3,205 |
| Assets per employee ($millions) | 5.5447% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 1,282 |
| Loan loss allowance to noncurrent loans | 768.2482% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 2,915 |
| Noncurrent loans to loans | 0.2077% | 2,782 |
| Net loans and leases to total assets | 60.0237% | 2,063 |
| Net loans and leases to deposits | 65.3928% | 2,394 |
| Net loans and leases to core deposits | 69.9598% | 2,294 |
| Total domestic deposits to total assets | 91.7895% | 660 |
| Equity capital to assets | 7.9032% | 3,640 |
| Core capital (leverage) ratio | 9.0138% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5877% | 1,957 |
| Memoranda: | ||
| Average total assets | $422,336,500 | 1,973 |
| Average earning assets | $380,850,500 | 2,026 |
| Average equity | $35,184,500 | 2,244 |
| Average total loans | $265,490,500 | 1,859 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6349% | 2,295 |
| Cost of funding earning assets | 0.2232% | 3,219 |
| Net interest margin | 3.4117% | 1,990 |
| Noninterest income to average assets | 1.0588% | 906 |
| Noninterest expense to average assets | 2.3817% | 2,542 |
| Loan and lease loss provision to assets | 0.0764% | 1,589 |
| Net operating income to assets | 1.5701% | 876 |
| Return on assets (ROA) | 1.5701% | 906 |
| Pretax return on assets | 1.6809% | 1,200 |
| Return on Equity (ROE) | 16.7317% | 634 |
| Retained earnings to average equity (ytd only) | 5.1610% | 2,723 |
| Net charge-offs to loans | -0.0029% | 3,433 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5429% | 3,515 |
| Assets per employee ($millions) | 5.0267% | 3,706 |
| Cash dividends to net income (ytd only)* | 69.1546% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,320 |
| Loan loss allowance to noncurrent loans | 809.0385% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 3,055 |
| Noncurrent loans to loans | 0.1946% | 2,978 |
| Net loans and leases to total assets | 63.7986% | 1,728 |
| Net loans and leases to deposits | 70.2813% | 2,104 |
| Net loans and leases to core deposits | 75.4900% | 1,957 |
| Total domestic deposits to total assets | 90.7761% | 591 |
| Equity capital to assets | 8.7797% | 3,825 |
| Core capital (leverage) ratio | 8.8967% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0907% | 2,203 |
| Memoranda: | ||
| Average total assets | $392,534,000 | 2,018 |
| Average earning assets | $354,401,400 | 2,062 |
| Average equity | $36,834,200 | 2,207 |
| Average total loans | $274,923,000 | 1,816 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 2,365 |
| Cost of funding earning assets | 0.2396% | 3,213 |
| Net interest margin | 3.4252% | 2,088 |
| Noninterest income to average assets | 1.2146% | 773 |
| Noninterest expense to average assets | 2.2317% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9603% | 494 |
| Return on assets (ROA) | 1.9603% | 519 |
| Pretax return on assets | 2.0704% | 710 |
| Return on Equity (ROE) | 20.5389% | 389 |
| Retained earnings to average equity (ytd only) | 17.7098% | 209 |
| Net charge-offs to loans | -0.0096% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8750% | 4,031 |
| Assets per employee ($millions) | 5.0830% | 3,623 |
| Cash dividends to net income (ytd only)* | 13.7743% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 1,886 |
| Loan loss allowance to noncurrent loans | 886.6516% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 3,367 |
| Noncurrent loans to loans | 0.1614% | 3,314 |
| Net loans and leases to total assets | 68.0826% | 1,314 |
| Net loans and leases to deposits | 76.0390% | 1,667 |
| Net loans and leases to core deposits | 83.7205% | 1,446 |
| Total domestic deposits to total assets | 89.5365% | 992 |
| Equity capital to assets | 10.0208% | 2,883 |
| Core capital (leverage) ratio | 10.0649% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6399% | 1,742 |
| Memoranda: | ||
| Average total assets | $387,620,250 | 2,054 |
| Average earning assets | $349,400,500 | 2,104 |
| Average equity | $36,995,500 | 2,231 |
| Average total loans | $276,859,250 | 1,840 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 2,368 |
| Cost of funding earning assets | 0.2582% | 3,206 |
| Net interest margin | 3.4311% | 2,059 |
| Noninterest income to average assets | 0.5932% | 2,251 |
| Noninterest expense to average assets | 2.1702% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4345% | 1,468 |
| Return on assets (ROA) | 1.4345% | 1,534 |
| Pretax return on assets | 1.5255% | 1,940 |
| Return on Equity (ROE) | 15.2921% | 1,089 |
| Retained earnings to average equity (ytd only) | 12.3933% | 834 |
| Net charge-offs to loans | -0.0504% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7226% | 3,186 |
| Assets per employee ($millions) | 5.0382% | 3,633 |
| Cash dividends to net income (ytd only)* | 18.9561% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 1,945 |
| Loan loss allowance to noncurrent loans | 963.3495% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 3,516 |
| Noncurrent loans to loans | 0.1461% | 3,473 |
| Net loans and leases to total assets | 71.6545% | 1,007 |
| Net loans and leases to deposits | 79.8083% | 1,444 |
| Net loans and leases to core deposits | 88.8659% | 1,214 |
| Total domestic deposits to total assets | 89.7832% | 880 |
| Equity capital to assets | 9.5517% | 3,292 |
| Core capital (leverage) ratio | 9.4708% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1325% | 2,314 |
| Memoranda: | ||
| Average total assets | $384,669,000 | 2,058 |
| Average earning assets | $347,813,667 | 2,102 |
| Average equity | $36,084,000 | 2,266 |
| Average total loans | $277,862,667 | 1,844 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 2,118 |
| Cost of funding earning assets | 0.2909% | 3,090 |
| Net interest margin | 3.5029% | 1,816 |
| Noninterest income to average assets | 0.6036% | 2,189 |
| Noninterest expense to average assets | 2.2400% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4432% | 1,457 |
| Return on assets (ROA) | 1.4432% | 1,527 |
| Pretax return on assets | 1.5320% | 1,909 |
| Return on Equity (ROE) | 15.5287% | 1,105 |
| Retained earnings to average equity (ytd only) | 12.5960% | 1,003 |
| Net charge-offs to loans | 0.0218% | 1,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 97.8000% | 622 |
| Efficiency ratio | 59.3854% | 3,100 |
| Assets per employee ($millions) | 4.7314% | 3,898 |
| Cash dividends to net income (ytd only)* | 18.8857% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,926 |
| Loan loss allowance to noncurrent loans | 935.9036% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 3,652 |
| Noncurrent loans to loans | 0.1504% | 3,574 |
| Net loans and leases to total assets | 69.2932% | 1,382 |
| Net loans and leases to deposits | 76.7515% | 1,826 |
| Net loans and leases to core deposits | 84.0442% | 1,678 |
| Total domestic deposits to total assets | 90.2826% | 679 |
| Equity capital to assets | 9.1297% | 3,563 |
| Core capital (leverage) ratio | 9.3611% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1789% | 2,217 |
| Memoranda: | ||
| Average total assets | $383,033,000 | 2,050 |
| Average earning assets | $346,457,500 | 2,096 |
| Average equity | $35,598,500 | 2,279 |
| Average total loans | $275,821,000 | 1,854 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 1,996 |
| Cost of funding earning assets | 0.6110% | 2,234 |
| Net interest margin | 3.6402% | 2,011 |
| Noninterest income to average assets | 0.6407% | 2,062 |
| Noninterest expense to average assets | 2.4794% | 2,906 |
| Loan and lease loss provision to assets | 0.1390% | 2,620 |
| Net operating income to assets | 1.2697% | 1,336 |
| Return on assets (ROA) | 1.2697% | 1,438 |
| Pretax return on assets | 1.3362% | 1,862 |
| Return on Equity (ROE) | 12.9934% | 1,042 |
| Retained earnings to average equity (ytd only) | 2.4320% | 3,644 |
| Net charge-offs to loans | 0.0452% | 2,162 |
| Credit loss provision to net charge-offs | 409.8361% | 1,410 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,319 |
| Efficiency ratio | 62.6977% | 3,020 |
| Assets per employee ($millions) | 4.4447% | 3,975 |
| Cash dividends to net income (ytd only)* | 81.2828% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,913 |
| Loan loss allowance to noncurrent loans | 1,407.5812% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,965 |
| Noncurrent loans to loans | 0.1005% | 3,889 |
| Net loans and leases to total assets | 72.7824% | 1,189 |
| Net loans and leases to deposits | 80.9516% | 1,769 |
| Net loans and leases to core deposits | 88.5807% | 1,637 |
| Total domestic deposits to total assets | 89.9086% | 605 |
| Equity capital to assets | 9.4665% | 3,646 |
| Core capital (leverage) ratio | 9.1958% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0978% | 2,200 |
| Memoranda: | ||
| Average total assets | $359,762,000 | 2,005 |
| Average earning assets | $327,510,800 | 2,039 |
| Average equity | $35,156,200 | 2,227 |
| Average total loans | $269,637,000 | 1,831 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 2,172 |
| Cost of funding earning assets | 0.6712% | 2,195 |
| Net interest margin | 3.6060% | 2,253 |
| Noninterest income to average assets | 0.6229% | 2,090 |
| Noninterest expense to average assets | 2.3724% | 3,210 |
| Loan and lease loss provision to assets | 0.1872% | 2,113 |
| Net operating income to assets | 1.2594% | 1,452 |
| Return on assets (ROA) | 1.2594% | 1,569 |
| Pretax return on assets | 1.3417% | 1,901 |
| Return on Equity (ROE) | 12.7826% | 1,175 |
| Retained earnings to average equity (ytd only) | 9.8015% | 805 |
| Net charge-offs to loans | 0.0124% | 2,662 |
| Credit loss provision to net charge-offs | 2,000.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 163.4400% | 568 |
| Efficiency ratio | 60.8133% | 3,256 |
| Assets per employee ($millions) | 4.5500% | 3,782 |
| Cash dividends to net income (ytd only)* | 23.3214% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 1,627 |
| Loan loss allowance to noncurrent loans | 1,256.6038% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 4,007 |
| Noncurrent loans to loans | 0.1135% | 3,918 |
| Net loans and leases to total assets | 74.0112% | 1,366 |
| Net loans and leases to deposits | 84.0929% | 1,906 |
| Net loans and leases to core deposits | 91.7474% | 1,816 |
| Total domestic deposits to total assets | 88.0112% | 1,215 |
| Equity capital to assets | 9.9397% | 3,280 |
| Core capital (leverage) ratio | 9.6991% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5936% | 1,963 |
| Memoranda: | ||
| Average total assets | $356,363,000 | 2,001 |
| Average earning assets | $323,970,000 | 2,037 |
| Average equity | $35,109,250 | 2,217 |
| Average total loans | $268,136,750 | 1,825 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 2,044 |
| Cost of funding earning assets | 0.7313% | 2,229 |
| Net interest margin | 3.7271% | 2,063 |
| Noninterest income to average assets | 0.6294% | 2,016 |
| Noninterest expense to average assets | 2.3752% | 3,324 |
| Loan and lease loss provision to assets | 0.2851% | 1,509 |
| Net operating income to assets | 1.2834% | 1,406 |
| Return on assets (ROA) | 1.2834% | 1,519 |
| Pretax return on assets | 1.3632% | 1,822 |
| Return on Equity (ROE) | 13.0680% | 1,080 |
| Retained earnings to average equity (ytd only) | 10.0317% | 784 |
| Net charge-offs to loans | 0.0197% | 2,335 |
| Credit loss provision to net charge-offs | 1,923.0769% | 499 |
| Earnings coverage of net charge-offs (x) | 111.1923% | 656 |
| Efficiency ratio | 59.0336% | 3,548 |
| Assets per employee ($millions) | 4.9435% | 3,247 |
| Cash dividends to net income (ytd only)* | 23.2341% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,421 |
| Loan loss allowance to noncurrent loans | 1,264.2405% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 4,117 |
| Noncurrent loans to loans | 0.1144% | 3,990 |
| Net loans and leases to total assets | 69.6795% | 2,080 |
| Net loans and leases to deposits | 78.6835% | 2,580 |
| Net loans and leases to core deposits | 91.7527% | 1,926 |
| Total domestic deposits to total assets | 88.5567% | 920 |
| Equity capital to assets | 9.1841% | 3,937 |
| Core capital (leverage) ratio | 9.4817% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4040% | 2,032 |
| Memoranda: | ||
| Average total assets | $350,784,333 | 1,996 |
| Average earning assets | $319,448,333 | 2,033 |
| Average equity | $34,450,667 | 2,239 |
| Average total loans | $264,138,667 | 1,825 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 1,532 |
| Cost of funding earning assets | 0.8383% | 2,181 |
| Net interest margin | 3.9202% | 1,606 |
| Noninterest income to average assets | 0.7748% | 1,385 |
| Noninterest expense to average assets | 2.5651% | 3,089 |
| Loan and lease loss provision to assets | 0.6044% | 457 |
| Net operating income to assets | 1.0698% | 1,938 |
| Return on assets (ROA) | 1.0698% | 2,040 |
| Pretax return on assets | 1.1665% | 2,316 |
| Return on Equity (ROE) | 10.4912% | 1,578 |
| Retained earnings to average equity (ytd only) | 7.3853% | 1,413 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1581% | 3,843 |
| Assets per employee ($millions) | 4.3941% | 3,415 |
| Cash dividends to net income (ytd only)* | 29.6045% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 1,196 |
| Loan loss allowance to noncurrent loans | 496.2963% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 3,488 |
| Noncurrent loans to loans | 0.3119% | 3,377 |
| Net loans and leases to total assets | 76.5511% | 1,205 |
| Net loans and leases to deposits | 87.6330% | 1,789 |
| Net loans and leases to core deposits | 99.0362% | 1,548 |
| Total domestic deposits to total assets | 87.3542% | 1,402 |
| Equity capital to assets | 10.2572% | 3,550 |
| Core capital (leverage) ratio | 10.2298% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6810% | 2,405 |
| Memoranda: | ||
| Average total assets | $330,909,000 | 2,037 |
| Average earning assets | $300,595,500 | 2,073 |
| Average equity | $33,742,500 | 2,258 |
| Average total loans | $258,149,000 | 1,813 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1709% | 1,060 |
| Cost of funding earning assets | 0.8771% | 2,299 |
| Net interest margin | 4.2939% | 1,103 |
| Noninterest income to average assets | 0.8155% | 1,406 |
| Noninterest expense to average assets | 2.7731% | 2,683 |
| Loan and lease loss provision to assets | 0.1550% | 1,360 |
| Net operating income to assets | 1.6862% | 681 |
| Return on assets (ROA) | 1.6850% | 729 |
| Pretax return on assets | 1.8029% | 927 |
| Return on Equity (ROE) | 16.2661% | 508 |
| Retained earnings to average equity (ytd only) | 4.8463% | 2,502 |
| Net charge-offs to loans | 0.0138% | 3,205 |
| Credit loss provision to net charge-offs | 1,428.5714% | 247 |
| Earnings coverage of net charge-offs (x) | 180.5143% | 426 |
| Efficiency ratio | 58.6004% | 3,899 |
| Assets per employee ($millions) | 4.3140% | 3,488 |
| Cash dividends to net income (ytd only)* | 70.2061% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 1,617 |
| Loan loss allowance to noncurrent loans | 1,333.7121% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 4,233 |
| Noncurrent loans to loans | 0.1029% | 4,111 |
| Net loans and leases to total assets | 77.2001% | 1,226 |
| Net loans and leases to deposits | 89.0588% | 1,690 |
| Net loans and leases to core deposits | 99.3153% | 1,623 |
| Total domestic deposits to total assets | 86.6845% | 1,761 |
| Equity capital to assets | 10.1355% | 3,799 |
| Core capital (leverage) ratio | 9.9950% | 3,523 |
| Tier 1 risk-based capital ratio | 12.3453% | 4,166 |
| Total risk-based capital ratio | 13.5960% | 4,027 |
| Memoranda: | ||
| Average total assets | $322,489,000 | 2,021 |
| Average earning assets | $294,163,600 | 2,064 |
| Average equity | $33,407,000 | 2,213 |
| Average total loans | $253,084,600 | 1,808 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2168% | 1,005 |
| Cost of funding earning assets | 0.8673% | 2,376 |
| Net interest margin | 4.3495% | 1,055 |
| Noninterest income to average assets | 0.7926% | 1,441 |
| Noninterest expense to average assets | 2.5973% | 3,172 |
| Loan and lease loss provision to assets | 0.1142% | 1,703 |
| Net operating income to assets | 1.9122% | 479 |
| Return on assets (ROA) | 1.9106% | 500 |
| Pretax return on assets | 2.0414% | 629 |
| Return on Equity (ROE) | 18.3428% | 365 |
| Retained earnings to average equity (ytd only) | 15.2179% | 136 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6280% | 4,318 |
| Assets per employee ($millions) | 4.6132% | 3,034 |
| Cash dividends to net income (ytd only)* | 17.0361% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,025 |
| Loan loss allowance to noncurrent loans | 1,034.4720% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 4,231 |
| Noncurrent loans to loans | 0.1245% | 4,090 |
| Net loans and leases to total assets | 75.8203% | 1,520 |
| Net loans and leases to deposits | 87.9705% | 1,940 |
| Net loans and leases to core deposits | 98.4166% | 1,790 |
| Total domestic deposits to total assets | 86.1883% | 1,908 |
| Equity capital to assets | 10.5456% | 3,507 |
| Core capital (leverage) ratio | 10.7634% | 2,877 |
| Tier 1 risk-based capital ratio | 13.0332% | 3,826 |
| Total risk-based capital ratio | 14.2653% | 3,740 |
| Memoranda: | ||
| Average total assets | $321,144,750 | 2,036 |
| Average earning assets | $292,534,750 | 2,086 |
| Average equity | $33,451,000 | 2,232 |
| Average total loans | $252,197,250 | 1,828 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2496% | 896 |
| Cost of funding earning assets | 0.8358% | 2,473 |
| Net interest margin | 4.4138% | 919 |
| Noninterest income to average assets | 0.8204% | 1,281 |
| Noninterest expense to average assets | 2.6246% | 3,133 |
| Loan and lease loss provision to assets | 0.0633% | 2,551 |
| Net operating income to assets | 2.0341% | 363 |
| Return on assets (ROA) | 2.0371% | 379 |
| Pretax return on assets | 2.1542% | 495 |
| Return on Equity (ROE) | 19.6439% | 277 |
| Retained earnings to average equity (ytd only) | 16.4513% | 119 |
| Net charge-offs to loans | -0.0016% | 3,929 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2386% | 4,443 |
| Assets per employee ($millions) | 4.3858% | 3,307 |
| Cash dividends to net income (ytd only)* | 16.2523% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,351 |
| Loan loss allowance to noncurrent loans | 10,526.6667% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,756 |
| Noncurrent loans to loans | 0.0117% | 4,664 |
| Net loans and leases to total assets | 77.9842% | 1,220 |
| Net loans and leases to deposits | 91.0375% | 1,622 |
| Net loans and leases to core deposits | 101.0178% | 1,629 |
| Total domestic deposits to total assets | 85.6616% | 2,193 |
| Equity capital to assets | 10.5848% | 3,448 |
| Core capital (leverage) ratio | 10.6364% | 2,951 |
| Tier 1 risk-based capital ratio | 12.7724% | 3,963 |
| Total risk-based capital ratio | 13.9548% | 3,907 |
| Memoranda: | ||
| Average total assets | $315,937,670 | 2,078 |
| Average earning assets | $287,641,670 | 2,111 |
| Average equity | $32,763,330 | 2,256 |
| Average total loans | $250,040,330 | 1,842 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2229% | 870 |
| Cost of funding earning assets | 0.8012% | 2,530 |
| Net interest margin | 4.4216% | 858 |
| Noninterest income to average assets | 0.5571% | 2,243 |
| Noninterest expense to average assets | 2.7212% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7636% | 635 |
| Return on assets (ROA) | 1.7636% | 651 |
| Pretax return on assets | 1.8663% | 851 |
| Return on Equity (ROE) | 17.1919% | 469 |
| Retained earnings to average equity (ytd only) | 13.9262% | 358 |
| Net charge-offs to loans | 0.0016% | 2,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,454.0000% | 30 |
| Efficiency ratio | 59.3173% | 3,905 |
| Assets per employee ($millions) | 4.2508% | 3,543 |
| Cash dividends to net income (ytd only)* | 18.9956% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,404 |
| Loan loss allowance to noncurrent loans | 8,728.5714% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 4,780 |
| Noncurrent loans to loans | 0.0141% | 4,720 |
| Net loans and leases to total assets | 76.6702% | 1,370 |
| Net loans and leases to deposits | 89.1564% | 1,738 |
| Net loans and leases to core deposits | 99.1132% | 1,696 |
| Total domestic deposits to total assets | 85.9952% | 2,285 |
| Equity capital to assets | 10.2327% | 3,591 |
| Core capital (leverage) ratio | 10.4035% | 3,157 |
| Tier 1 risk-based capital ratio | 12.5526% | 4,134 |
| Total risk-based capital ratio | 13.7314% | 4,049 |
| Memoranda: | ||
| Average total assets | $311,632,000 | 2,117 |
| Average earning assets | $284,057,500 | 2,148 |
| Average equity | $31,968,500 | 2,298 |
| Average total loans | $246,933,000 | 1,878 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 1,159 |
| Cost of funding earning assets | 0.6538% | 2,367 |
| Net interest margin | 4.2958% | 1,169 |
| Noninterest income to average assets | 0.8347% | 1,351 |
| Noninterest expense to average assets | 2.7816% | 2,748 |
| Loan and lease loss provision to assets | 0.2662% | 632 |
| Net operating income to assets | 1.5654% | 957 |
| Return on assets (ROA) | 1.5517% | 985 |
| Pretax return on assets | 1.6575% | 1,287 |
| Return on Equity (ROE) | 14.9614% | 839 |
| Retained earnings to average equity (ytd only) | 6.1510% | 2,116 |
| Net charge-offs to loans | 0.0164% | 3,139 |
| Credit loss provision to net charge-offs | 2,064.1026% | 216 |
| Earnings coverage of net charge-offs (x) | 150.2821% | 562 |
| Efficiency ratio | 58.9336% | 4,025 |
| Assets per employee ($millions) | 4.0594% | 3,810 |
| Cash dividends to net income (ytd only)* | 58.8875% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,352 |
| Loan loss allowance to noncurrent loans | 7,276.1905% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 4,542 |
| Noncurrent loans to loans | 0.0170% | 4,718 |
| Net loans and leases to total assets | 79.9210% | 952 |
| Net loans and leases to deposits | 93.6628% | 1,317 |
| Net loans and leases to core deposits | 104.7853% | 1,358 |
| Total domestic deposits to total assets | 85.3284% | 2,498 |
| Equity capital to assets | 10.2853% | 3,389 |
| Core capital (leverage) ratio | 10.2161% | 3,341 |
| Tier 1 risk-based capital ratio | 11.7925% | 4,574 |
| Total risk-based capital ratio | 12.9396% | 4,510 |
| Memoranda: | ||
| Average total assets | $302,375,200 | 2,141 |
| Average earning assets | $273,478,600 | 2,170 |
| Average equity | $31,360,800 | 2,261 |
| Average total loans | $237,145,800 | 1,899 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 1,286 |
| Cost of funding earning assets | 0.6141% | 2,380 |
| Net interest margin | 4.2430% | 1,252 |
| Noninterest income to average assets | 0.8578% | 1,312 |
| Noninterest expense to average assets | 2.6696% | 3,069 |
| Loan and lease loss provision to assets | 0.1899% | 938 |
| Net operating income to assets | 1.7103% | 727 |
| Return on assets (ROA) | 1.7036% | 744 |
| Pretax return on assets | 1.8185% | 975 |
| Return on Equity (ROE) | 16.3919% | 629 |
| Retained earnings to average equity (ytd only) | 13.0685% | 351 |
| Net charge-offs to loans | 0.0233% | 2,670 |
| Credit loss provision to net charge-offs | 1,048.7805% | 406 |
| Earnings coverage of net charge-offs (x) | 111.2832% | 696 |
| Efficiency ratio | 56.9812% | 4,256 |
| Assets per employee ($millions) | 4.1439% | 3,668 |
| Cash dividends to net income (ytd only)* | 20.2748% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 3,153 |
| Loan loss allowance to noncurrent loans | 4,185.9375% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,605 |
| Noncurrent loans to loans | 0.0264% | 4,775 |
| Net loans and leases to total assets | 77.0758% | 1,487 |
| Net loans and leases to deposits | 90.4803% | 1,825 |
| Net loans and leases to core deposits | 101.8448% | 1,625 |
| Total domestic deposits to total assets | 85.1851% | 2,531 |
| Equity capital to assets | 10.5673% | 3,077 |
| Core capital (leverage) ratio | 10.7987% | 2,792 |
| Tier 1 risk-based capital ratio | 13.3776% | 3,691 |
| Total risk-based capital ratio | 14.4582% | 3,698 |
| Memoranda: | ||
| Average total assets | $301,855,750 | 2,152 |
| Average earning assets | $272,283,500 | 2,191 |
| Average equity | $31,372,500 | 2,261 |
| Average total loans | $234,837,750 | 1,919 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 1,332 |
| Cost of funding earning assets | 0.5831% | 2,346 |
| Net interest margin | 4.1862% | 1,315 |
| Noninterest income to average assets | 0.7481% | 1,656 |
| Noninterest expense to average assets | 2.6586% | 3,135 |
| Loan and lease loss provision to assets | 0.1205% | 1,637 |
| Net operating income to assets | 1.6334% | 839 |
| Return on assets (ROA) | 1.6334% | 843 |
| Pretax return on assets | 1.7405% | 1,117 |
| Return on Equity (ROE) | 15.8082% | 707 |
| Retained earnings to average equity (ytd only) | 12.4342% | 457 |
| Net charge-offs to loans | 0.0172% | 2,571 |
| Credit loss provision to net charge-offs | 900.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 139.0500% | 550 |
| Efficiency ratio | 58.8244% | 4,113 |
| Assets per employee ($millions) | 4.1468% | 3,658 |
| Cash dividends to net income (ytd only)* | 21.3437% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,577 |
| Loan loss allowance to noncurrent loans | 756.1728% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,205 |
| Noncurrent loans to loans | 0.1379% | 4,284 |
| Net loans and leases to total assets | 74.7462% | 1,827 |
| Net loans and leases to deposits | 87.0323% | 2,215 |
| Net loans and leases to core deposits | 96.9861% | 1,970 |
| Total domestic deposits to total assets | 85.8833% | 2,333 |
| Equity capital to assets | 10.2239% | 3,420 |
| Core capital (leverage) ratio | 10.6288% | 2,890 |
| Tier 1 risk-based capital ratio | 13.8877% | 3,411 |
| Total risk-based capital ratio | 14.9507% | 3,416 |
| Memoranda: | ||
| Average total assets | $298,878,000 | 2,178 |
| Average earning assets | $269,264,000 | 2,215 |
| Average equity | $30,882,670 | 2,293 |
| Average total loans | $232,376,330 | 1,939 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 1,283 |
| Cost of funding earning assets | 0.5556% | 2,351 |
| Net interest margin | 4.1551% | 1,283 |
| Noninterest income to average assets | 0.8073% | 1,430 |
| Noninterest expense to average assets | 2.8223% | 2,628 |
| Loan and lease loss provision to assets | 0.1229% | 1,533 |
| Net operating income to assets | 1.5327% | 998 |
| Return on assets (ROA) | 1.5327% | 1,004 |
| Pretax return on assets | 1.6215% | 1,329 |
| Return on Equity (ROE) | 14.7508% | 845 |
| Retained earnings to average equity (ytd only) | 11.3195% | 822 |
| Net charge-offs to loans | 0.0260% | 1,983 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 85.1333% | 676 |
| Efficiency ratio | 61.8008% | 3,822 |
| Assets per employee ($millions) | 3.9996% | 3,979 |
| Cash dividends to net income (ytd only)* | 23.2620% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,839 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 4,546 |
| Noncurrent loans to loans | 0.0557% | 4,727 |
| Net loans and leases to total assets | 76.4685% | 1,467 |
| Net loans and leases to deposits | 89.4958% | 1,748 |
| Net loans and leases to core deposits | 103.3927% | 1,425 |
| Total domestic deposits to total assets | 85.4436% | 2,776 |
| Equity capital to assets | 10.2486% | 3,337 |
| Core capital (leverage) ratio | 10.7620% | 2,671 |
| Tier 1 risk-based capital ratio | 13.7452% | 3,523 |
| Total risk-based capital ratio | 14.7955% | 3,543 |
| Memoranda: | ||
| Average total assets | $292,813,500 | 2,237 |
| Average earning assets | $264,925,000 | 2,270 |
| Average equity | $30,425,500 | 2,340 |
| Average total loans | $231,106,500 | 1,957 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 1,414 |
| Cost of funding earning assets | 0.4538% | 2,737 |
| Net interest margin | 4.1501% | 1,301 |
| Noninterest income to average assets | 0.8060% | 1,545 |
| Noninterest expense to average assets | 2.8338% | 2,671 |
| Loan and lease loss provision to assets | 0.1680% | 1,307 |
| Net operating income to assets | 1.4742% | 859 |
| Return on assets (ROA) | 1.4673% | 883 |
| Pretax return on assets | 1.5334% | 1,509 |
| Return on Equity (ROE) | 13.5244% | 845 |
| Retained earnings to average equity (ytd only) | 5.5448% | 1,795 |
| Net charge-offs to loans | 0.0874% | 2,219 |
| Credit loss provision to net charge-offs | 246.0733% | 1,120 |
| Earnings coverage of net charge-offs (x) | 25.0262% | 1,733 |
| Efficiency ratio | 62.3859% | 3,878 |
| Assets per employee ($millions) | 3.8602% | 4,185 |
| Cash dividends to net income (ytd only)* | 59.0012% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,987 |
| Loan loss allowance to noncurrent loans | 2,974.0260% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,643 |
| Noncurrent loans to loans | 0.0334% | 4,861 |
| Net loans and leases to total assets | 79.8775% | 979 |
| Net loans and leases to deposits | 92.9827% | 1,393 |
| Net loans and leases to core deposits | 106.1645% | 1,255 |
| Total domestic deposits to total assets | 85.9057% | 2,483 |
| Equity capital to assets | 10.5400% | 3,123 |
| Core capital (leverage) ratio | 10.5463% | 2,790 |
| Tier 1 risk-based capital ratio | 13.8149% | 3,465 |
| Total risk-based capital ratio | 14.8663% | 3,481 |
| Memoranda: | ||
| Average total assets | $279,767,400 | 2,291 |
| Average earning assets | $251,870,600 | 2,335 |
| Average equity | $30,352,600 | 2,334 |
| Average total loans | $218,632,800 | 2,008 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 1,533 |
| Cost of funding earning assets | 0.4420% | 2,788 |
| Net interest margin | 4.0969% | 1,395 |
| Noninterest income to average assets | 0.8255% | 1,495 |
| Noninterest expense to average assets | 2.7313% | 2,952 |
| Loan and lease loss provision to assets | 0.1198% | 1,811 |
| Net operating income to assets | 1.5911% | 734 |
| Return on assets (ROA) | 1.5911% | 752 |
| Pretax return on assets | 1.6558% | 1,230 |
| Return on Equity (ROE) | 14.5588% | 726 |
| Retained earnings to average equity (ytd only) | 11.1350% | 396 |
| Net charge-offs to loans | 0.1045% | 1,745 |
| Credit loss provision to net charge-offs | 147.9290% | 1,711 |
| Earnings coverage of net charge-offs (x) | 21.9288% | 1,892 |
| Efficiency ratio | 60.6038% | 4,115 |
| Assets per employee ($millions) | 3.8442% | 4,242 |
| Cash dividends to net income (ytd only)* | 23.5171% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 4,414 |
| Loan loss allowance to noncurrent loans | 2,249.4624% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 4,685 |
| Noncurrent loans to loans | 0.0415% | 4,926 |
| Net loans and leases to total assets | 78.0542% | 1,260 |
| Net loans and leases to deposits | 91.1318% | 1,673 |
| Net loans and leases to core deposits | 103.5412% | 1,426 |
| Total domestic deposits to total assets | 85.6498% | 2,456 |
| Equity capital to assets | 11.1903% | 2,684 |
| Core capital (leverage) ratio | 11.3697% | 2,124 |
| Tier 1 risk-based capital ratio | 15.0033% | 2,915 |
| Total risk-based capital ratio | 15.9982% | 2,969 |
| Memoranda: | ||
| Average total assets | $278,295,500 | 2,312 |
| Average earning assets | $250,068,000 | 2,371 |
| Average equity | $30,413,750 | 2,351 |
| Average total loans | $215,675,000 | 2,038 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 1,579 |
| Cost of funding earning assets | 0.4348% | 2,757 |
| Net interest margin | 4.0431% | 1,480 |
| Noninterest income to average assets | 0.8037% | 1,561 |
| Noninterest expense to average assets | 2.6825% | 3,152 |
| Loan and lease loss provision to assets | 0.1376% | 1,504 |
| Net operating income to assets | 1.5588% | 772 |
| Return on assets (ROA) | 1.5588% | 792 |
| Pretax return on assets | 1.6059% | 1,325 |
| Return on Equity (ROE) | 14.3818% | 762 |
| Retained earnings to average equity (ytd only) | 10.9016% | 455 |
| Net charge-offs to loans | 0.2668% | 762 |
| Credit loss provision to net charge-offs | 66.9014% | 2,409 |
| Earnings coverage of net charge-offs (x) | 8.4789% | 2,508 |
| Efficiency ratio | 60.6085% | 4,223 |
| Assets per employee ($millions) | 3.7253% | 4,402 |
| Cash dividends to net income (ytd only)* | 24.1988% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 4,691 |
| Loan loss allowance to noncurrent loans | 1,420.0000% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 4,404 |
| Noncurrent loans to loans | 0.0625% | 4,875 |
| Net loans and leases to total assets | 76.6253% | 1,444 |
| Net loans and leases to deposits | 89.7265% | 1,770 |
| Net loans and leases to core deposits | 99.4611% | 1,687 |
| Total domestic deposits to total assets | 85.3987% | 2,647 |
| Equity capital to assets | 11.0838% | 2,721 |
| Core capital (leverage) ratio | 11.2297% | 2,198 |
| Tier 1 risk-based capital ratio | 15.0989% | 2,888 |
| Total risk-based capital ratio | 16.0437% | 2,947 |
| Memoranda: | ||
| Average total assets | $276,237,670 | 2,334 |
| Average earning assets | $247,483,000 | 2,396 |
| Average equity | $29,940,670 | 2,372 |
| Average total loans | $212,856,000 | 2,066 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 1,508 |
| Cost of funding earning assets | 0.4374% | 2,643 |
| Net interest margin | 4.0098% | 1,444 |
| Noninterest income to average assets | 0.8418% | 1,428 |
| Noninterest expense to average assets | 2.7642% | 2,909 |
| Loan and lease loss provision to assets | 0.1748% | 1,008 |
| Net operating income to assets | 1.4578% | 878 |
| Return on assets (ROA) | 1.4578% | 903 |
| Pretax return on assets | 1.4942% | 1,548 |
| Return on Equity (ROE) | 13.6066% | 878 |
| Retained earnings to average equity (ytd only) | 10.0724% | 793 |
| Net charge-offs to loans | -0.0625% | 5,282 |
| Credit loss provision to net charge-offs | -363.6364% | 4,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3522% | 4,100 |
| Assets per employee ($millions) | 3.8203% | 4,317 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 4,091 |
| Loan loss allowance to noncurrent loans | 256.3981% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 3,660 |
| Noncurrent loans to loans | 0.4022% | 3,654 |
| Net loans and leases to total assets | 74.4698% | 1,666 |
| Net loans and leases to deposits | 86.8083% | 1,937 |
| Net loans and leases to core deposits | 95.1008% | 1,884 |
| Total domestic deposits to total assets | 85.7864% | 2,760 |
| Equity capital to assets | 10.7153% | 2,947 |
| Core capital (leverage) ratio | 10.9361% | 2,431 |
| Tier 1 risk-based capital ratio | 14.9234% | 3,003 |
| Total risk-based capital ratio | 16.0091% | 3,011 |
| Memoranda: | ||
| Average total assets | $274,656,500 | 2,365 |
| Average earning assets | $245,996,500 | 2,428 |
| Average equity | $29,427,000 | 2,420 |
| Average total loans | $211,280,000 | 2,088 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 1,503 |
| Cost of funding earning assets | 0.4750% | 2,307 |
| Net interest margin | 4.0354% | 1,544 |
| Noninterest income to average assets | 0.8039% | 1,736 |
| Noninterest expense to average assets | 2.8077% | 2,996 |
| Loan and lease loss provision to assets | 0.1399% | 1,782 |
| Net operating income to assets | 1.4130% | 986 |
| Return on assets (ROA) | 1.4130% | 1,004 |
| Pretax return on assets | 1.4867% | 1,631 |
| Return on Equity (ROE) | 12.9899% | 997 |
| Retained earnings to average equity (ytd only) | 5.4139% | 2,069 |
| Net charge-offs to loans | 0.2303% | 1,206 |
| Credit loss provision to net charge-offs | 77.8689% | 3,006 |
| Earnings coverage of net charge-offs (x) | 9.0553% | 2,793 |
| Efficiency ratio | 63.3187% | 4,056 |
| Assets per employee ($millions) | 3.7560% | 4,386 |
| Cash dividends to net income (ytd only)* | 58.3225% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 4,602 |
| Loan loss allowance to noncurrent loans | 264.2576% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 3,805 |
| Noncurrent loans to loans | 0.3578% | 3,848 |
| Net loans and leases to total assets | 77.9135% | 1,208 |
| Net loans and leases to deposits | 91.0542% | 1,572 |
| Net loans and leases to core deposits | 99.4576% | 1,667 |
| Total domestic deposits to total assets | 85.5683% | 2,796 |
| Equity capital to assets | 10.7129% | 2,909 |
| Core capital (leverage) ratio | 10.6421% | 2,729 |
| Tier 1 risk-based capital ratio | 14.6128% | 3,144 |
| Total risk-based capital ratio | 15.6259% | 3,180 |
| Memoranda: | ||
| Average total assets | $271,683,800 | 2,349 |
| Average earning assets | $244,411,000 | 2,403 |
| Average equity | $29,553,800 | 2,391 |
| Average total loans | $211,878,600 | 2,032 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 1,557 |
| Cost of funding earning assets | 0.4771% | 2,296 |
| Net interest margin | 4.0178% | 1,599 |
| Noninterest income to average assets | 0.8024% | 1,754 |
| Noninterest expense to average assets | 2.7603% | 3,145 |
| Loan and lease loss provision to assets | 0.1078% | 2,127 |
| Net operating income to assets | 1.4662% | 945 |
| Return on assets (ROA) | 1.4662% | 988 |
| Pretax return on assets | 1.5544% | 1,521 |
| Return on Equity (ROE) | 13.4275% | 939 |
| Retained earnings to average equity (ytd only) | 9.9213% | 589 |
| Net charge-offs to loans | 0.0800% | 2,180 |
| Credit loss provision to net charge-offs | 173.2283% | 1,608 |
| Earnings coverage of net charge-offs (x) | 26.7006% | 1,589 |
| Efficiency ratio | 62.4141% | 4,156 |
| Assets per employee ($millions) | 3.8894% | 4,152 |
| Cash dividends to net income (ytd only)* | 26.1117% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 4,201 |
| Loan loss allowance to noncurrent loans | 3,205.7971% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 4,983 |
| Noncurrent loans to loans | 0.0324% | 5,251 |
| Net loans and leases to total assets | 76.4363% | 1,452 |
| Net loans and leases to deposits | 89.6959% | 1,797 |
| Net loans and leases to core deposits | 99.5609% | 1,676 |
| Total domestic deposits to total assets | 85.2172% | 2,711 |
| Equity capital to assets | 11.1648% | 2,832 |
| Core capital (leverage) ratio | 11.1281% | 2,333 |
| Tier 1 risk-based capital ratio | 15.0784% | 3,013 |
| Total risk-based capital ratio | 16.1822% | 3,008 |
| Memoranda: | ||
| Average total assets | $271,996,750 | 2,357 |
| Average earning assets | $245,072,500 | 2,407 |
| Average equity | $29,699,500 | 2,386 |
| Average total loans | $211,669,750 | 2,038 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 1,673 |
| Cost of funding earning assets | 0.4767% | 2,300 |
| Net interest margin | 3.9739% | 1,730 |
| Noninterest income to average assets | 0.7605% | 1,886 |
| Noninterest expense to average assets | 2.7087% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5513% | 805 |
| Return on assets (ROA) | 1.5513% | 845 |
| Pretax return on assets | 1.6437% | 1,241 |
| Return on Equity (ROE) | 14.3167% | 784 |
| Retained earnings to average equity (ytd only) | 10.7631% | 468 |
| Net charge-offs to loans | 0.1042% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 20.2182% | 1,737 |
| Efficiency ratio | 62.2347% | 4,311 |
| Assets per employee ($millions) | 3.7888% | 4,283 |
| Cash dividends to net income (ytd only)* | 24.8213% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 4,801 |
| Loan loss allowance to noncurrent loans | 1,969.6078% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 4,977 |
| Noncurrent loans to loans | 0.0478% | 5,270 |
| Net loans and leases to total assets | 77.5194% | 1,257 |
| Net loans and leases to deposits | 90.9183% | 1,639 |
| Net loans and leases to core deposits | 101.0919% | 1,552 |
| Total domestic deposits to total assets | 85.2627% | 2,752 |
| Equity capital to assets | 11.1195% | 2,932 |
| Core capital (leverage) ratio | 10.9270% | 2,512 |
| Tier 1 risk-based capital ratio | 15.5354% | 2,844 |
| Total risk-based capital ratio | 16.5904% | 2,860 |
| Memoranda: | ||
| Average total assets | $270,614,000 | 2,381 |
| Average earning assets | $244,597,670 | 2,426 |
| Average equity | $29,322,330 | 2,419 |
| Average total loans | $211,130,670 | 2,045 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4313% | 1,706 |
| Cost of funding earning assets | 0.4834% | 2,241 |
| Net interest margin | 3.9479% | 1,792 |
| Noninterest income to average assets | 0.7955% | 1,631 |
| Noninterest expense to average assets | 2.8005% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4885% | 878 |
| Return on assets (ROA) | 1.4885% | 917 |
| Pretax return on assets | 1.5702% | 1,375 |
| Return on Equity (ROE) | 13.9223% | 851 |
| Retained earnings to average equity (ytd only) | 10.3134% | 783 |
| Net charge-offs to loans | -0.0419% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0747% | 4,111 |
| Assets per employee ($millions) | 3.7253% | 4,425 |
| Cash dividends to net income (ytd only)* | 25.9222% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 4,463 |
| Loan loss allowance to noncurrent loans | 436.9388% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 4,446 |
| Noncurrent loans to loans | 0.2350% | 4,591 |
| Net loans and leases to total assets | 74.8650% | 1,580 |
| Net loans and leases to deposits | 87.2210% | 1,916 |
| Net loans and leases to core deposits | 98.0270% | 1,634 |
| Total domestic deposits to total assets | 85.8337% | 2,749 |
| Equity capital to assets | 10.6183% | 3,346 |
| Core capital (leverage) ratio | 10.7583% | 2,665 |
| Tier 1 risk-based capital ratio | 15.2366% | 3,045 |
| Total risk-based capital ratio | 16.3713% | 3,036 |
| Memoranda: | ||
| Average total assets | $269,525,500 | 2,389 |
| Average earning assets | $244,079,500 | 2,433 |
| Average equity | $28,817,000 | 2,449 |
| Average total loans | $209,958,500 | 2,057 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 1,921 |
| Cost of funding earning assets | 0.5720% | 1,581 |
| Net interest margin | 3.8212% | 2,299 |
| Noninterest income to average assets | 0.8305% | 1,671 |
| Noninterest expense to average assets | 2.7664% | 3,363 |
| Loan and lease loss provision to assets | 0.0572% | 3,166 |
| Net operating income to assets | 1.4168% | 1,009 |
| Return on assets (ROA) | 1.4179% | 1,047 |
| Pretax return on assets | 1.5017% | 1,550 |
| Return on Equity (ROE) | 13.0959% | 1,038 |
| Retained earnings to average equity (ytd only) | 5.2982% | 2,214 |
| Net charge-offs to loans | 0.0647% | 2,932 |
| Credit loss provision to net charge-offs | 113.6364% | 2,240 |
| Earnings coverage of net charge-offs (x) | 30.9621% | 1,418 |
| Efficiency ratio | 63.9753% | 4,269 |
| Assets per employee ($millions) | 3.5117% | 4,819 |
| Cash dividends to net income (ytd only)* | 59.5430% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 4,598 |
| Loan loss allowance to noncurrent loans | 451.8124% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 4,451 |
| Noncurrent loans to loans | 0.2219% | 4,632 |
| Net loans and leases to total assets | 79.4579% | 926 |
| Net loans and leases to deposits | 93.0570% | 1,303 |
| Net loans and leases to core deposits | 103.6903% | 1,244 |
| Total domestic deposits to total assets | 85.3863% | 2,906 |
| Equity capital to assets | 10.7686% | 3,054 |
| Core capital (leverage) ratio | 10.4691% | 2,963 |
| Tier 1 risk-based capital ratio | 14.7464% | 3,304 |
| Total risk-based capital ratio | 15.8621% | 3,298 |
| Memoranda: | ||
| Average total assets | $262,361,800 | 2,405 |
| Average earning assets | $239,871,000 | 2,428 |
| Average equity | $28,405,800 | 2,429 |
| Average total loans | $203,979,400 | 2,042 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 2,015 |
| Cost of funding earning assets | 0.5908% | 1,463 |
| Net interest margin | 3.7790% | 2,462 |
| Noninterest income to average assets | 0.8312% | 1,686 |
| Noninterest expense to average assets | 2.6218% | 3,795 |
| Loan and lease loss provision to assets | 0.0763% | 2,660 |
| Net operating income to assets | 1.4931% | 929 |
| Return on assets (ROA) | 1.4945% | 962 |
| Pretax return on assets | 1.5835% | 1,432 |
| Return on Equity (ROE) | 13.7850% | 948 |
| Retained earnings to average equity (ytd only) | 10.1111% | 614 |
| Net charge-offs to loans | 0.1082% | 2,048 |
| Credit loss provision to net charge-offs | 91.4634% | 2,452 |
| Earnings coverage of net charge-offs (x) | 19.8782% | 1,909 |
| Efficiency ratio | 61.2551% | 4,680 |
| Assets per employee ($millions) | 3.6472% | 4,526 |
| Cash dividends to net income (ytd only)* | 26.6507% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,722 |
| Loan loss allowance to noncurrent loans | 957.3394% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 5,011 |
| Noncurrent loans to loans | 0.1049% | 5,219 |
| Net loans and leases to total assets | 77.2595% | 1,212 |
| Net loans and leases to deposits | 91.0446% | 1,520 |
| Net loans and leases to core deposits | 102.9113% | 1,306 |
| Total domestic deposits to total assets | 84.8589% | 3,072 |
| Equity capital to assets | 11.1263% | 2,882 |
| Core capital (leverage) ratio | 11.0984% | 2,390 |
| Tier 1 risk-based capital ratio | 15.5772% | 3,011 |
| Total risk-based capital ratio | 16.6884% | 3,005 |
| Memoranda: | ||
| Average total assets | $262,108,250 | 2,424 |
| Average earning assets | $239,209,000 | 2,445 |
| Average equity | $28,416,750 | 2,442 |
| Average total loans | $202,126,250 | 2,070 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 2,100 |
| Cost of funding earning assets | 0.6010% | 1,408 |
| Net interest margin | 3.7236% | 2,608 |
| Noninterest income to average assets | 0.8162% | 1,714 |
| Noninterest expense to average assets | 2.6380% | 3,782 |
| Loan and lease loss provision to assets | 0.0460% | 3,196 |
| Net operating income to assets | 1.4427% | 1,007 |
| Return on assets (ROA) | 1.4406% | 1,050 |
| Pretax return on assets | 1.5326% | 1,549 |
| Return on Equity (ROE) | 13.4073% | 1,039 |
| Retained earnings to average equity (ytd only) | 9.6735% | 734 |
| Net charge-offs to loans | 0.0280% | 3,105 |
| Credit loss provision to net charge-offs | 214.2857% | 1,160 |
| Earnings coverage of net charge-offs (x) | 73.6071% | 751 |
| Efficiency ratio | 62.5273% | 4,587 |
| Assets per employee ($millions) | 3.5707% | 4,676 |
| Cash dividends to net income (ytd only)* | 27.8488% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 4,634 |
| Loan loss allowance to noncurrent loans | 408.6207% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 4,572 |
| Noncurrent loans to loans | 0.2557% | 4,763 |
| Net loans and leases to total assets | 76.4644% | 1,301 |
| Net loans and leases to deposits | 88.7096% | 1,753 |
| Net loans and leases to core deposits | 98.9030% | 1,576 |
| Total domestic deposits to total assets | 86.1963% | 2,584 |
| Equity capital to assets | 10.8234% | 3,083 |
| Core capital (leverage) ratio | 10.7985% | 2,613 |
| Tier 1 risk-based capital ratio | 14.2256% | 3,801 |
| Total risk-based capital ratio | 15.2919% | 3,842 |
| Memoranda: | ||
| Average total assets | $260,730,000 | 2,450 |
| Average earning assets | $238,266,670 | 2,475 |
| Average equity | $28,014,670 | 2,484 |
| Average total loans | $200,240,000 | 2,084 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 2,190 |
| Cost of funding earning assets | 0.6087% | 1,373 |
| Net interest margin | 3.6626% | 2,766 |
| Noninterest income to average assets | 0.7831% | 1,772 |
| Noninterest expense to average assets | 2.5500% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5028% | 841 |
| Return on assets (ROA) | 1.5028% | 893 |
| Pretax return on assets | 1.5878% | 1,297 |
| Return on Equity (ROE) | 14.0391% | 870 |
| Retained earnings to average equity (ytd only) | 10.2588% | 862 |
| Net charge-offs to loans | 0.0666% | 2,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 31.1515% | 1,127 |
| Efficiency ratio | 61.6275% | 4,859 |
| Assets per employee ($millions) | 3.4795% | 4,930 |
| Cash dividends to net income (ytd only)* | 26.9270% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 4,867 |
| Loan loss allowance to noncurrent loans | 966.3551% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 5,000 |
| Noncurrent loans to loans | 0.1066% | 5,377 |
| Net loans and leases to total assets | 76.1703% | 1,185 |
| Net loans and leases to deposits | 88.3939% | 1,575 |
| Net loans and leases to core deposits | 96.2917% | 1,594 |
| Total domestic deposits to total assets | 86.1714% | 2,847 |
| Equity capital to assets | 10.8300% | 3,167 |
| Core capital (leverage) ratio | 10.8070% | 2,619 |
| Tier 1 risk-based capital ratio | 13.9083% | 4,083 |
| Total risk-based capital ratio | 14.9425% | 4,129 |
| Memoranda: | ||
| Average total assets | $258,978,000 | 2,477 |
| Average earning assets | $237,210,000 | 2,497 |
| Average equity | $27,722,500 | 2,520 |
| Average total loans | $198,271,000 | 2,095 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 2,329 |
| Cost of funding earning assets | 0.6369% | 1,501 |
| Net interest margin | 3.7312% | 2,876 |
| Noninterest income to average assets | 0.8509% | 1,679 |
| Noninterest expense to average assets | 2.7505% | 3,673 |
| Loan and lease loss provision to assets | 0.0231% | 4,144 |
| Net operating income to assets | 1.4063% | 1,073 |
| Return on assets (ROA) | 1.4107% | 1,090 |
| Pretax return on assets | 1.4859% | 1,598 |
| Return on Equity (ROE) | 13.4238% | 1,060 |
| Retained earnings to average equity (ytd only) | 5.4627% | 2,287 |
| Net charge-offs to loans | 0.0397% | 4,027 |
| Credit loss provision to net charge-offs | 76.9231% | 2,926 |
| Earnings coverage of net charge-offs (x) | 50.0256% | 925 |
| Efficiency ratio | 64.6430% | 4,471 |
| Assets per employee ($millions) | 3.4266% | 5,007 |
| Cash dividends to net income (ytd only)* | 59.3058% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 4,674 |
| Loan loss allowance to noncurrent loans | 621.5976% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 5,077 |
| Noncurrent loans to loans | 0.1727% | 5,206 |
| Net loans and leases to total assets | 75.3315% | 1,359 |
| Net loans and leases to deposits | 87.3043% | 1,813 |
| Net loans and leases to core deposits | 95.7813% | 1,741 |
| Total domestic deposits to total assets | 86.2862% | 2,683 |
| Equity capital to assets | 10.5772% | 3,390 |
| Core capital (leverage) ratio | 10.3969% | 3,065 |
| Tier 1 risk-based capital ratio | 14.2093% | 3,960 |
| Total risk-based capital ratio | 15.3109% | 3,971 |
| Memoranda: | ||
| Average total assets | $259,369,600 | 2,436 |
| Average earning assets | $236,628,600 | 2,452 |
| Average equity | $27,257,600 | 2,465 |
| Average total loans | $196,358,000 | 2,063 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 2,363 |
| Cost of funding earning assets | 0.6362% | 1,556 |
| Net interest margin | 3.7303% | 2,899 |
| Noninterest income to average assets | 0.7919% | 1,926 |
| Noninterest expense to average assets | 2.6172% | 4,141 |
| Loan and lease loss provision to assets | 0.0308% | 3,795 |
| Net operating income to assets | 1.4610% | 1,007 |
| Return on assets (ROA) | 1.4668% | 1,032 |
| Pretax return on assets | 1.5515% | 1,479 |
| Return on Equity (ROE) | 13.9801% | 990 |
| Retained earnings to average equity (ytd only) | 10.1478% | 665 |
| Net charge-offs to loans | 0.0672% | 3,243 |
| Credit loss provision to net charge-offs | 60.6061% | 2,925 |
| Earnings coverage of net charge-offs (x) | 31.0396% | 1,341 |
| Efficiency ratio | 62.4144% | 4,825 |
| Assets per employee ($millions) | 3.5503% | 4,770 |
| Cash dividends to net income (ytd only)* | 27.4126% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 4,935 |
| Loan loss allowance to noncurrent loans | 1,464.7887% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 4,386 |
| Noncurrent loans to loans | 0.0725% | 5,734 |
| Net loans and leases to total assets | 73.7808% | 1,558 |
| Net loans and leases to deposits | 85.6649% | 1,944 |
| Net loans and leases to core deposits | 94.2783% | 1,832 |
| Total domestic deposits to total assets | 86.1272% | 2,788 |
| Equity capital to assets | 10.8186% | 3,159 |
| Core capital (leverage) ratio | 10.9827% | 2,509 |
| Tier 1 risk-based capital ratio | 14.6968% | 3,758 |
| Total risk-based capital ratio | 15.7774% | 3,809 |
| Memoranda: | ||
| Average total assets | $259,963,000 | 2,450 |
| Average earning assets | $237,044,500 | 2,472 |
| Average equity | $27,276,250 | 2,470 |
| Average total loans | $196,522,500 | 2,078 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 2,235 |
| Cost of funding earning assets | 0.6351% | 1,623 |
| Net interest margin | 3.7495% | 2,761 |
| Noninterest income to average assets | 0.7667% | 1,976 |
| Noninterest expense to average assets | 2.6451% | 4,075 |
| Loan and lease loss provision to assets | 0.0463% | 3,385 |
| Net operating income to assets | 1.4180% | 1,025 |
| Return on assets (ROA) | 1.4268% | 1,044 |
| Pretax return on assets | 1.5079% | 1,512 |
| Return on Equity (ROE) | 13.7428% | 1,008 |
| Retained earnings to average equity (ytd only) | 9.8535% | 756 |
| Net charge-offs to loans | 0.1139% | 2,524 |
| Credit loss provision to net charge-offs | 53.5714% | 2,740 |
| Earnings coverage of net charge-offs (x) | 17.8661% | 1,711 |
| Efficiency ratio | 63.1288% | 4,837 |
| Assets per employee ($millions) | 3.4915% | 4,869 |
| Cash dividends to net income (ytd only)* | 28.3009% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 4,967 |
| Loan loss allowance to noncurrent loans | 12,918.7500% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 4,617 |
| Noncurrent loans to loans | 0.0084% | 6,070 |
| Net loans and leases to total assets | 71.9505% | 1,757 |
| Net loans and leases to deposits | 83.2409% | 2,119 |
| Net loans and leases to core deposits | 92.4895% | 1,900 |
| Total domestic deposits to total assets | 86.4366% | 2,796 |
| Equity capital to assets | 10.5615% | 3,366 |
| Core capital (leverage) ratio | 10.5740% | 2,853 |
| Tier 1 risk-based capital ratio | 14.6798% | 3,820 |
| Total risk-based capital ratio | 15.7817% | 3,849 |
| Memoranda: | ||
| Average total assets | $259,043,000 | 2,464 |
| Average earning assets | $236,513,670 | 2,476 |
| Average equity | $26,894,000 | 2,486 |
| Average total loans | $196,723,670 | 2,077 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 1,972 |
| Cost of funding earning assets | 0.6288% | 1,745 |
| Net interest margin | 3.8169% | 2,399 |
| Noninterest income to average assets | 0.7701% | 1,871 |
| Noninterest expense to average assets | 2.5540% | 4,431 |
| Loan and lease loss provision to assets | 0.0932% | 2,364 |
| Net operating income to assets | 1.5520% | 729 |
| Return on assets (ROA) | 1.5697% | 737 |
| Pretax return on assets | 1.6473% | 1,076 |
| Return on Equity (ROE) | 15.2532% | 745 |
| Retained earnings to average equity (ytd only) | 11.3154% | 702 |
| Net charge-offs to loans | -0.0200% | 5,360 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7313% | 5,435 |
| Assets per employee ($millions) | 3.4405% | 5,056 |
| Cash dividends to net income (ytd only)* | 25.8160% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 5,165 |
| Loan loss allowance to noncurrent loans | 4,975.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 6,210 |
| Noncurrent loans to loans | 0.0219% | 6,098 |
| Net loans and leases to total assets | 76.1182% | 990 |
| Net loans and leases to deposits | 87.8076% | 1,380 |
| Net loans and leases to core deposits | 98.0139% | 1,237 |
| Total domestic deposits to total assets | 86.6874% | 3,001 |
| Equity capital to assets | 10.3130% | 3,448 |
| Core capital (leverage) ratio | 10.4955% | 2,939 |
| Tier 1 risk-based capital ratio | 13.7801% | 4,482 |
| Total risk-based capital ratio | 14.8990% | 4,531 |
| Memoranda: | ||
| Average total assets | $257,631,500 | 2,481 |
| Average earning assets | $236,632,500 | 2,483 |
| Average equity | $26,512,500 | 2,510 |
| Average total loans | $199,845,000 | 2,053 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 2,043 |
| Cost of funding earning assets | 0.7622% | 1,425 |
| Net interest margin | 3.7853% | 2,706 |
| Noninterest income to average assets | 0.6887% | 2,613 |
| Noninterest expense to average assets | 2.7690% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3177% | 1,209 |
| Return on assets (ROA) | 1.4319% | 997 |
| Pretax return on assets | 1.5181% | 1,388 |
| Return on Equity (ROE) | 13.8968% | 974 |
| Retained earnings to average equity (ytd only) | 3.8059% | 3,496 |
| Net charge-offs to loans | 0.0857% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 21.8712% | 1,474 |
| Efficiency ratio | 65.7199% | 4,609 |
| Assets per employee ($millions) | 3.4296% | 5,021 |
| Cash dividends to net income (ytd only)* | 72.6129% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 5,287 |
| Loan loss allowance to noncurrent loans | 1,655.4688% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 6,174 |
| Noncurrent loans to loans | 0.0645% | 6,027 |
| Net loans and leases to total assets | 77.3685% | 905 |
| Net loans and leases to deposits | 89.3882% | 1,298 |
| Net loans and leases to core deposits | 97.6060% | 1,338 |
| Total domestic deposits to total assets | 86.5533% | 2,969 |
| Equity capital to assets | 10.2680% | 3,425 |
| Core capital (leverage) ratio | 10.3101% | 3,138 |
| Tier 1 risk-based capital ratio | 13.6301% | 4,567 |
| Total risk-based capital ratio | 14.7320% | 4,606 |
| Memoranda: | ||
| Average total assets | $255,257,600 | 2,483 |
| Average earning assets | $234,461,600 | 2,475 |
| Average equity | $26,301,000 | 2,520 |
| Average total loans | $190,273,000 | 2,099 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 2,053 |
| Cost of funding earning assets | 0.7947% | 1,357 |
| Net interest margin | 3.7515% | 2,840 |
| Noninterest income to average assets | 0.6530% | 2,869 |
| Noninterest expense to average assets | 2.6606% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3455% | 1,231 |
| Return on assets (ROA) | 1.4975% | 945 |
| Pretax return on assets | 1.5940% | 1,347 |
| Return on Equity (ROE) | 14.5208% | 886 |
| Retained earnings to average equity (ytd only) | 8.7094% | 1,152 |
| Net charge-offs to loans | 0.0701% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 27.7367% | 1,301 |
| Efficiency ratio | 64.2793% | 4,758 |
| Assets per employee ($millions) | 3.4020% | 5,060 |
| Cash dividends to net income (ytd only)* | 40.0209% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 5,178 |
| Loan loss allowance to noncurrent loans | 6,821.8750% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 6,282 |
| Noncurrent loans to loans | 0.0167% | 6,304 |
| Net loans and leases to total assets | 74.4353% | 1,222 |
| Net loans and leases to deposits | 86.2344% | 1,592 |
| Net loans and leases to core deposits | 94.9425% | 1,480 |
| Total domestic deposits to total assets | 86.3174% | 3,066 |
| Equity capital to assets | 10.5393% | 3,229 |
| Core capital (leverage) ratio | 10.7867% | 2,688 |
| Tier 1 risk-based capital ratio | 14.2764% | 4,231 |
| Total risk-based capital ratio | 15.4346% | 4,240 |
| Memoranda: | ||
| Average total assets | $255,625,000 | 2,490 |
| Average earning assets | $234,387,000 | 2,492 |
| Average equity | $26,361,500 | 2,545 |
| Average total loans | $188,223,500 | 2,119 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 2,087 |
| Cost of funding earning assets | 0.8465% | 1,154 |
| Net interest margin | 3.6839% | 3,017 |
| Noninterest income to average assets | 0.5817% | 3,307 |
| Noninterest expense to average assets | 2.6882% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1894% | 1,616 |
| Return on assets (ROA) | 1.4113% | 1,140 |
| Pretax return on assets | 1.5052% | 1,601 |
| Return on Equity (ROE) | 13.7865% | 1,055 |
| Retained earnings to average equity (ytd only) | 7.9282% | 1,518 |
| Net charge-offs to loans | 0.0439% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 39.5854% | 935 |
| Efficiency ratio | 67.1804% | 4,326 |
| Assets per employee ($millions) | 3.3800% | 5,118 |
| Cash dividends to net income (ytd only)* | 42.4931% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,134 |
| Loan loss allowance to noncurrent loans | 607.3171% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 6,059 |
| Noncurrent loans to loans | 0.1932% | 5,830 |
| Net loans and leases to total assets | 74.4614% | 1,179 |
| Net loans and leases to deposits | 85.9999% | 1,578 |
| Net loans and leases to core deposits | 93.3463% | 1,585 |
| Total domestic deposits to total assets | 86.5832% | 3,074 |
| Equity capital to assets | 10.3036% | 3,541 |
| Core capital (leverage) ratio | 10.3525% | 3,041 |
| Tier 1 risk-based capital ratio | 13.9469% | 4,456 |
| Total risk-based capital ratio | 15.1395% | 4,471 |
| Memoranda: | ||
| Average total assets | $255,783,670 | 2,498 |
| Average earning assets | $234,373,000 | 2,501 |
| Average equity | $26,185,000 | 2,571 |
| Average total loans | $186,930,000 | 2,137 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 2,136 |
| Cost of funding earning assets | 0.9048% | 968 |
| Net interest margin | 3.6038% | 3,243 |
| Noninterest income to average assets | 0.3845% | 4,583 |
| Noninterest expense to average assets | 2.5766% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0386% | 2,079 |
| Return on assets (ROA) | 1.4853% | 966 |
| Pretax return on assets | 1.5709% | 1,375 |
| Return on Equity (ROE) | 14.5552% | 853 |
| Retained earnings to average equity (ytd only) | 8.6965% | 1,492 |
| Net charge-offs to loans | 0.0281% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 54.3846% | 630 |
| Efficiency ratio | 69.2633% | 4,099 |
| Assets per employee ($millions) | 3.4507% | 5,087 |
| Cash dividends to net income (ytd only)* | 40.2516% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,151 |
| Loan loss allowance to noncurrent loans | 1,554.1096% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 6,432 |
| Noncurrent loans to loans | 0.0777% | 6,251 |
| Net loans and leases to total assets | 72.7304% | 1,240 |
| Net loans and leases to deposits | 84.0463% | 1,593 |
| Net loans and leases to core deposits | 90.8912% | 1,620 |
| Total domestic deposits to total assets | 86.5361% | 3,211 |
| Equity capital to assets | 10.3223% | 3,768 |
| Core capital (leverage) ratio | 10.0442% | 3,322 |
| Tier 1 risk-based capital ratio | 13.8413% | 4,622 |
| Total risk-based capital ratio | 15.0624% | 4,607 |
| Memoranda: | ||
| Average total assets | $256,924,000 | 2,523 |
| Average earning assets | $234,752,000 | 2,522 |
| Average equity | $26,217,500 | 2,595 |
| Average total loans | $184,893,500 | 2,167 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 1,769 |
| Cost of funding earning assets | 1.0477% | 1,131 |
| Net interest margin | 3.8740% | 2,926 |
| Noninterest income to average assets | 0.8334% | 2,109 |
| Noninterest expense to average assets | 2.8417% | 3,867 |
| Loan and lease loss provision to assets | 0.0738% | 4,802 |
| Net operating income to assets | 1.3691% | 1,155 |
| Return on assets (ROA) | 1.3691% | 1,279 |
| Pretax return on assets | 1.4393% | 1,896 |
| Return on Equity (ROE) | 13.3838% | 1,134 |
| Retained earnings to average equity (ytd only) | 3.2644% | 3,927 |
| Net charge-offs to loans | 0.7075% | 1,671 |
| Credit loss provision to net charge-offs | 14.3621% | 5,353 |
| Earnings coverage of net charge-offs (x) | 2.9458% | 3,955 |
| Efficiency ratio | 64.5702% | 4,787 |
| Assets per employee ($millions) | 3.4013% | 5,214 |
| Cash dividends to net income (ytd only)* | 75.6091% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 4,848 |
| Loan loss allowance to noncurrent loans | 909.1633% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 6,346 |
| Noncurrent loans to loans | 0.1381% | 6,138 |
| Net loans and leases to total assets | 69.4470% | 1,954 |
| Net loans and leases to deposits | 82.6656% | 1,914 |
| Net loans and leases to core deposits | 90.0007% | 1,831 |
| Total domestic deposits to total assets | 84.0095% | 4,308 |
| Equity capital to assets | 10.0879% | 4,050 |
| Core capital (leverage) ratio | 9.8039% | 3,652 |
| Tier 1 risk-based capital ratio | 13.7190% | 4,590 |
| Total risk-based capital ratio | 14.9648% | 4,541 |
| Memoranda: | ||
| Average total assets | $254,847,400 | 2,489 |
| Average earning assets | $231,645,400 | 2,485 |
| Average equity | $26,068,800 | 2,562 |
| Average total loans | $185,027,000 | 2,140 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 2,088 |
| Cost of funding earning assets | 1.0563% | 1,257 |
| Net interest margin | 3.8228% | 3,236 |
| Noninterest income to average assets | 0.8354% | 2,093 |
| Noninterest expense to average assets | 2.6631% | 4,519 |
| Loan and lease loss provision to assets | 0.0987% | 4,333 |
| Net operating income to assets | 1.4628% | 1,092 |
| Return on assets (ROA) | 1.4628% | 1,216 |
| Pretax return on assets | 1.5547% | 1,711 |
| Return on Equity (ROE) | 14.2502% | 1,056 |
| Retained earnings to average equity (ytd only) | 8.3323% | 1,476 |
| Net charge-offs to loans | 0.9184% | 1,181 |
| Credit loss provision to net charge-offs | 14.6875% | 5,021 |
| Earnings coverage of net charge-offs (x) | 2.4602% | 4,056 |
| Efficiency ratio | 61.0023% | 5,312 |
| Assets per employee ($millions) | 3.3072% | 5,428 |
| Cash dividends to net income (ytd only)* | 41.5292% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 5,186 |
| Loan loss allowance to noncurrent loans | 119.6789% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7587% | 4,804 |
| Noncurrent loans to loans | 1.0207% | 4,410 |
| Net loans and leases to total assets | 73.3849% | 1,339 |
| Net loans and leases to deposits | 87.8895% | 1,366 |
| Net loans and leases to core deposits | 97.6542% | 1,290 |
| Total domestic deposits to total assets | 83.4967% | 4,438 |
| Equity capital to assets | 10.6003% | 3,732 |
| Core capital (leverage) ratio | 10.2527% | 3,219 |
| Tier 1 risk-based capital ratio | 13.5154% | 4,870 |
| Total risk-based capital ratio | 14.7219% | 4,856 |
| Memoranda: | ||
| Average total assets | $253,934,750 | 2,516 |
| Average earning assets | $231,238,500 | 2,510 |
| Average equity | $26,066,750 | 2,583 |
| Average total loans | $185,833,500 | 2,153 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 2,168 |
| Cost of funding earning assets | 1.0663% | 1,373 |
| Net interest margin | 3.8195% | 3,272 |
| Noninterest income to average assets | 0.8309% | 2,051 |
| Noninterest expense to average assets | 2.7080% | 4,374 |
| Loan and lease loss provision to assets | 0.1474% | 3,673 |
| Net operating income to assets | 1.3717% | 1,253 |
| Return on assets (ROA) | 1.3717% | 1,417 |
| Pretax return on assets | 1.4545% | 1,994 |
| Return on Equity (ROE) | 13.5105% | 1,234 |
| Retained earnings to average equity (ytd only) | 7.5162% | 1,859 |
| Net charge-offs to loans | 1.3881% | 738 |
| Credit loss provision to net charge-offs | 14.5866% | 4,685 |
| Earnings coverage of net charge-offs (x) | 1.5850% | 4,204 |
| Efficiency ratio | 62.1365% | 5,225 |
| Assets per employee ($millions) | 3.3750% | 5,262 |
| Cash dividends to net income (ytd only)* | 44.3678% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 5,172 |
| Loan loss allowance to noncurrent loans | 115.1122% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 4,744 |
| Noncurrent loans to loans | 1.0749% | 4,372 |
| Net loans and leases to total assets | 73.7625% | 1,287 |
| Net loans and leases to deposits | 88.3177% | 1,340 |
| Net loans and leases to core deposits | 97.1020% | 1,339 |
| Total domestic deposits to total assets | 83.5195% | 4,521 |
| Equity capital to assets | 10.5206% | 3,663 |
| Core capital (leverage) ratio | 10.0292% | 3,387 |
| Tier 1 risk-based capital ratio | 13.4373% | 4,877 |
| Total risk-based capital ratio | 14.6676% | 4,849 |
| Memoranda: | ||
| Average total assets | $253,695,670 | 2,514 |
| Average earning assets | $231,076,670 | 2,513 |
| Average equity | $25,757,670 | 2,601 |
| Average total loans | $184,715,670 | 2,168 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 2,260 |
| Cost of funding earning assets | 1.0559% | 1,642 |
| Net interest margin | 3.8397% | 3,189 |
| Noninterest income to average assets | 0.8980% | 1,756 |
| Noninterest expense to average assets | 2.6065% | 4,796 |
| Loan and lease loss provision to assets | 0.1768% | 3,200 |
| Net operating income to assets | 1.5254% | 981 |
| Return on assets (ROA) | 1.5254% | 1,101 |
| Pretax return on assets | 1.6193% | 1,508 |
| Return on Equity (ROE) | 15.2947% | 922 |
| Retained earnings to average equity (ytd only) | 9.2239% | 1,508 |
| Net charge-offs to loans | -0.0109% | 5,973 |
| Credit loss provision to net charge-offs | -2,260.0000% | 6,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5288% | 5,843 |
| Assets per employee ($millions) | 3.4482% | 5,242 |
| Cash dividends to net income (ytd only)* | 39.6923% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9197% | 2,618 |
| Loan loss allowance to noncurrent loans | 178.1883% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 4,978 |
| Noncurrent loans to loans | 1.0773% | 4,543 |
| Net loans and leases to total assets | 71.4666% | 1,490 |
| Net loans and leases to deposits | 85.3299% | 1,494 |
| Net loans and leases to core deposits | 93.9586% | 1,470 |
| Total domestic deposits to total assets | 83.7533% | 4,614 |
| Equity capital to assets | 10.2630% | 3,777 |
| Core capital (leverage) ratio | 9.8661% | 3,544 |
| Tier 1 risk-based capital ratio | 13.5304% | 4,808 |
| Total risk-based capital ratio | 14.7885% | 4,784 |
| Memoranda: | ||
| Average total assets | $255,669,000 | 2,512 |
| Average earning assets | $233,354,000 | 2,508 |
| Average equity | $25,499,000 | 2,624 |
| Average total loans | $183,809,000 | 2,187 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 1,485 |
| Cost of funding earning assets | 1.2744% | 1,597 |
| Net interest margin | 4.0995% | 2,427 |
| Noninterest income to average assets | 0.8149% | 1,982 |
| Noninterest expense to average assets | 2.7815% | 4,416 |
| Loan and lease loss provision to assets | 0.1326% | 4,954 |
| Net operating income to assets | 1.4316% | 965 |
| Return on assets (ROA) | 1.4193% | 1,065 |
| Pretax return on assets | 1.5050% | 1,452 |
| Return on Equity (ROE) | 14.0792% | 908 |
| Retained earnings to average equity (ytd only) | 3.5764% | 3,686 |
| Net charge-offs to loans | -0.1668% | 7,194 |
| Credit loss provision to net charge-offs | -110.5442% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0594% | 5,452 |
| Assets per employee ($millions) | 3.6058% | 4,759 |
| Cash dividends to net income (ytd only)* | 74.5977% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 2,720 |
| Loan loss allowance to noncurrent loans | 156.5317% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 4,875 |
| Noncurrent loans to loans | 1.1802% | 4,399 |
| Net loans and leases to total assets | 69.6401% | 2,104 |
| Net loans and leases to deposits | 82.3960% | 2,146 |
| Net loans and leases to core deposits | 91.8297% | 1,902 |
| Total domestic deposits to total assets | 84.5189% | 4,085 |
| Equity capital to assets | 9.6927% | 4,609 |
| Core capital (leverage) ratio | 9.7546% | 3,669 |
| Tier 1 risk-based capital ratio | 12.9876% | 5,078 |
| Total risk-based capital ratio | 14.2448% | 5,045 |
| Memoranda: | ||
| Average total assets | $245,189,200 | 2,579 |
| Average earning assets | $216,344,200 | 2,654 |
| Average equity | $24,717,400 | 2,607 |
| Average total loans | $176,224,000 | 2,304 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5070% | 1,235 |
| Cost of funding earning assets | 1.3387% | 1,507 |
| Net interest margin | 4.1683% | 2,213 |
| Noninterest income to average assets | 0.8201% | 1,959 |
| Noninterest expense to average assets | 2.7181% | 4,664 |
| Loan and lease loss provision to assets | 0.1518% | 4,557 |
| Net operating income to assets | 1.5012% | 926 |
| Return on assets (ROA) | 1.4846% | 1,053 |
| Pretax return on assets | 1.5757% | 1,450 |
| Return on Equity (ROE) | 14.5762% | 931 |
| Retained earnings to average equity (ytd only) | 8.2526% | 1,409 |
| Net charge-offs to loans | -0.1990% | 7,263 |
| Credit loss provision to net charge-offs | -105.7692% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1954% | 5,688 |
| Assets per employee ($millions) | 3.4128% | 5,217 |
| Cash dividends to net income (ytd only)* | 43.3828% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 2,663 |
| Loan loss allowance to noncurrent loans | 134.5359% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 4,648 |
| Noncurrent loans to loans | 1.4002% | 4,194 |
| Net loans and leases to total assets | 71.3406% | 1,841 |
| Net loans and leases to deposits | 85.8730% | 1,702 |
| Net loans and leases to core deposits | 94.8146% | 1,718 |
| Total domestic deposits to total assets | 83.0769% | 4,648 |
| Equity capital to assets | 10.6703% | 3,491 |
| Core capital (leverage) ratio | 10.1988% | 3,195 |
| Tier 1 risk-based capital ratio | 14.1055% | 4,276 |
| Total risk-based capital ratio | 15.3635% | 4,244 |
| Memoranda: | ||
| Average total assets | $241,581,750 | 2,629 |
| Average earning assets | $211,145,000 | 2,721 |
| Average equity | $24,605,750 | 2,621 |
| Average total loans | $174,229,500 | 2,335 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5861% | 1,094 |
| Cost of funding earning assets | 1.3716% | 1,543 |
| Net interest margin | 4.2145% | 1,976 |
| Noninterest income to average assets | 0.8643% | 1,758 |
| Noninterest expense to average assets | 2.7579% | 4,598 |
| Loan and lease loss provision to assets | 0.2279% | 3,635 |
| Net operating income to assets | 1.4369% | 1,005 |
| Return on assets (ROA) | 1.4345% | 1,070 |
| Pretax return on assets | 1.5174% | 1,481 |
| Return on Equity (ROE) | 14.3121% | 915 |
| Retained earnings to average equity (ytd only) | 7.8712% | 1,502 |
| Net charge-offs to loans | -0.3860% | 7,371 |
| Credit loss provision to net charge-offs | -82.0896% | 6,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5113% | 5,798 |
| Assets per employee ($millions) | 3.3986% | 5,204 |
| Cash dividends to net income (ytd only)* | 45.0029% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9706% | 2,447 |
| Loan loss allowance to noncurrent loans | 129.2460% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 4,486 |
| Noncurrent loans to loans | 1.5247% | 4,135 |
| Net loans and leases to total assets | 68.0547% | 2,598 |
| Net loans and leases to deposits | 81.1634% | 2,588 |
| Net loans and leases to core deposits | 89.7799% | 2,405 |
| Total domestic deposits to total assets | 83.8490% | 4,414 |
| Equity capital to assets | 10.0900% | 4,029 |
| Core capital (leverage) ratio | 9.9251% | 3,353 |
| Tier 1 risk-based capital ratio | 14.1764% | 4,038 |
| Total risk-based capital ratio | 15.4354% | 3,997 |
| Memoranda: | ||
| Average total assets | $241,339,670 | 2,644 |
| Average earning assets | $208,519,330 | 2,776 |
| Average equity | $24,189,330 | 2,636 |
| Average total loans | $173,578,330 | 2,367 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6412% | 988 |
| Cost of funding earning assets | 1.3877% | 1,678 |
| Net interest margin | 4.2535% | 1,735 |
| Noninterest income to average assets | 0.9329% | 1,537 |
| Noninterest expense to average assets | 2.8895% | 4,105 |
| Loan and lease loss provision to assets | 0.3782% | 2,296 |
| Net operating income to assets | 1.2957% | 1,277 |
| Return on assets (ROA) | 1.2910% | 1,337 |
| Pretax return on assets | 1.3750% | 1,795 |
| Return on Equity (ROE) | 12.9252% | 1,214 |
| Retained earnings to average equity (ytd only) | 6.3785% | 2,432 |
| Net charge-offs to loans | -0.1882% | 7,248 |
| Credit loss provision to net charge-offs | -274.3902% | 5,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4828% | 5,761 |
| Assets per employee ($millions) | 3.3107% | 5,450 |
| Cash dividends to net income (ytd only)* | 50.6510% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 3,101 |
| Loan loss allowance to noncurrent loans | 96.6239% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 3,952 |
| Noncurrent loans to loans | 1.8315% | 3,790 |
| Net loans and leases to total assets | 70.9945% | 1,927 |
| Net loans and leases to deposits | 84.7554% | 1,915 |
| Net loans and leases to core deposits | 93.8980% | 1,896 |
| Total domestic deposits to total assets | 83.7639% | 4,589 |
| Equity capital to assets | 9.9422% | 3,851 |
| Core capital (leverage) ratio | 10.1052% | 3,026 |
| Tier 1 risk-based capital ratio | 13.6855% | 4,297 |
| Total risk-based capital ratio | 14.9421% | 4,264 |
| Memoranda: | ||
| Average total assets | $237,961,500 | 2,696 |
| Average earning assets | $207,826,500 | 2,809 |
| Average equity | $23,767,500 | 2,666 |
| Average total loans | $174,250,000 | 2,368 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7454% | 1,420 |
| Cost of funding earning assets | 1.4963% | 2,664 |
| Net interest margin | 4.2491% | 2,000 |
| Noninterest income to average assets | 0.8681% | 1,983 |
| Noninterest expense to average assets | 2.7179% | 4,911 |
| Loan and lease loss provision to assets | 0.6500% | 2,538 |
| Net operating income to assets | 1.2121% | 1,385 |
| Return on assets (ROA) | 1.2117% | 1,462 |
| Pretax return on assets | 1.2886% | 1,960 |
| Return on Equity (ROE) | 12.1245% | 1,293 |
| Retained earnings to average equity (ytd only) | 2.6431% | 4,010 |
| Net charge-offs to loans | 0.7328% | 2,825 |
| Credit loss provision to net charge-offs | 120.4385% | 3,500 |
| Earnings coverage of net charge-offs (x) | 3.5928% | 3,292 |
| Efficiency ratio | 57.6822% | 6,378 |
| Assets per employee ($millions) | 3.2088% | 5,648 |
| Cash dividends to net income (ytd only)* | 78.2002% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 3,559 |
| Loan loss allowance to noncurrent loans | 108.0745% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.2978% | 4,436 |
| Noncurrent loans to loans | 1.4819% | 4,257 |
| Net loans and leases to total assets | 73.0206% | 1,864 |
| Net loans and leases to deposits | 87.4447% | 1,870 |
| Net loans and leases to core deposits | 95.6387% | 2,054 |
| Total domestic deposits to total assets | 83.5049% | 4,602 |
| Equity capital to assets | 10.0352% | 3,703 |
| Core capital (leverage) ratio | 9.9188% | 3,182 |
| Tier 1 risk-based capital ratio | 13.4075% | 4,287 |
| Total risk-based capital ratio | 14.6620% | 4,243 |
| Memoranda: | ||
| Average total assets | $236,614,600 | 2,676 |
| Average earning assets | $210,986,800 | 2,743 |
| Average equity | $23,646,400 | 2,687 |
| Average total loans | $174,252,200 | 2,414 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7240% | 1,630 |
| Cost of funding earning assets | 1.5021% | 2,970 |
| Net interest margin | 4.2218% | 2,137 |
| Noninterest income to average assets | 0.9044% | 1,782 |
| Noninterest expense to average assets | 2.5845% | 5,384 |
| Loan and lease loss provision to assets | 0.7802% | 1,954 |
| Net operating income to assets | 1.2422% | 1,486 |
| Return on assets (ROA) | 1.2422% | 1,565 |
| Pretax return on assets | 1.3248% | 2,108 |
| Return on Equity (ROE) | 12.4427% | 1,399 |
| Retained earnings to average equity (ytd only) | 6.7056% | 1,984 |
| Net charge-offs to loans | 0.8305% | 2,377 |
| Credit loss provision to net charge-offs | 127.8085% | 3,183 |
| Earnings coverage of net charge-offs (x) | 3.4484% | 3,446 |
| Efficiency ratio | 54.4408% | 6,747 |
| Assets per employee ($millions) | 3.2124% | 5,653 |
| Cash dividends to net income (ytd only)* | 46.1086% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 3,388 |
| Loan loss allowance to noncurrent loans | 109.1155% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 4,498 |
| Noncurrent loans to loans | 1.4995% | 4,389 |
| Net loans and leases to total assets | 72.4216% | 2,159 |
| Net loans and leases to deposits | 87.1864% | 2,128 |
| Net loans and leases to core deposits | 97.6046% | 2,085 |
| Total domestic deposits to total assets | 83.0653% | 4,566 |
| Equity capital to assets | 10.5358% | 3,477 |
| Core capital (leverage) ratio | 10.2055% | 3,039 |
| Tier 1 risk-based capital ratio | 13.7914% | 3,985 |
| Total risk-based capital ratio | 15.0460% | 3,941 |
| Memoranda: | ||
| Average total assets | $237,207,000 | 2,705 |
| Average earning assets | $212,668,000 | 2,758 |
| Average equity | $23,681,250 | 2,731 |
| Average total loans | $174,357,500 | 2,455 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6069% | 2,115 |
| Cost of funding earning assets | 1.5068% | 3,221 |
| Net interest margin | 4.1001% | 2,555 |
| Noninterest income to average assets | 0.9021% | 1,682 |
| Noninterest expense to average assets | 2.5174% | 5,656 |
| Loan and lease loss provision to assets | 0.8820% | 1,653 |
| Net operating income to assets | 1.1314% | 1,750 |
| Return on assets (ROA) | 1.1314% | 1,816 |
| Pretax return on assets | 1.1986% | 2,423 |
| Return on Equity (ROE) | 11.5427% | 1,584 |
| Retained earnings to average equity (ytd only) | 5.7071% | 2,490 |
| Net charge-offs to loans | 1.1788% | 1,614 |
| Credit loss provision to net charge-offs | 101.8429% | 4,005 |
| Earnings coverage of net charge-offs (x) | 2.4025% | 3,795 |
| Efficiency ratio | 54.0738% | 6,875 |
| Assets per employee ($millions) | 3.2537% | 5,542 |
| Cash dividends to net income (ytd only)* | 50.5568% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 4,097 |
| Loan loss allowance to noncurrent loans | 101.0736% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 4,555 |
| Noncurrent loans to loans | 1.4486% | 4,538 |
| Net loans and leases to total assets | 72.0231% | 2,398 |
| Net loans and leases to deposits | 86.1115% | 2,488 |
| Net loans and leases to core deposits | 98.4882% | 2,179 |
| Total domestic deposits to total assets | 83.6393% | 4,271 |
| Equity capital to assets | 10.0585% | 3,938 |
| Core capital (leverage) ratio | 9.8198% | 3,375 |
| Tier 1 risk-based capital ratio | 13.3689% | 4,155 |
| Total risk-based capital ratio | 14.6217% | 4,118 |
| Memoranda: | ||
| Average total assets | $238,107,330 | 2,723 |
| Average earning assets | $214,629,000 | 2,753 |
| Average equity | $23,339,330 | 2,759 |
| Average total loans | $174,924,000 | 2,480 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3602% | 3,239 |
| Cost of funding earning assets | 1.5096% | 3,494 |
| Net interest margin | 3.8505% | 3,567 |
| Noninterest income to average assets | 0.9178% | 1,565 |
| Noninterest expense to average assets | 2.5839% | 5,421 |
| Loan and lease loss provision to assets | 0.9648% | 1,304 |
| Net operating income to assets | 0.8406% | 2,790 |
| Return on assets (ROA) | 0.8406% | 2,887 |
| Pretax return on assets | 0.8742% | 3,563 |
| Return on Equity (ROE) | 8.6891% | 2,593 |
| Retained earnings to average equity (ytd only) | 2.7923% | 4,456 |
| Net charge-offs to loans | -0.0615% | 7,402 |
| Credit loss provision to net charge-offs | -2,129.6296% | 6,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7390% | 6,523 |
| Assets per employee ($millions) | 3.3402% | 5,456 |
| Cash dividends to net income (ytd only)* | 67.8643% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 2,772 |
| Loan loss allowance to noncurrent loans | 64.6596% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.2354% | 3,231 |
| Noncurrent loans to loans | 2.7659% | 2,892 |
| Net loans and leases to total assets | 71.3582% | 2,597 |
| Net loans and leases to deposits | 84.7737% | 2,806 |
| Net loans and leases to core deposits | 97.3204% | 2,422 |
| Total domestic deposits to total assets | 84.1749% | 4,063 |
| Equity capital to assets | 9.6532% | 4,302 |
| Core capital (leverage) ratio | 9.6802% | 3,542 |
| Tier 1 risk-based capital ratio | 12.7195% | 4,542 |
| Total risk-based capital ratio | 13.9757% | 4,506 |
| Memoranda: | ||
| Average total assets | $238,400,500 | 2,785 |
| Average earning assets | $217,008,500 | 2,780 |
| Average equity | $23,063,500 | 2,814 |
| Average total loans | $175,580,000 | 2,535 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7767% | 2,758 |
| Cost of funding earning assets | 1.9316% | 3,287 |
| Net interest margin | 3.8450% | 3,509 |
| Noninterest income to average assets | 0.8630% | 2,128 |
| Noninterest expense to average assets | 2.8398% | 4,790 |
| Loan and lease loss provision to assets | 0.3578% | 4,657 |
| Net operating income to assets | 1.1349% | 1,428 |
| Return on assets (ROA) | 1.1349% | 1,452 |
| Pretax return on assets | 1.2132% | 1,916 |
| Return on Equity (ROE) | 11.9103% | 1,185 |
| Retained earnings to average equity (ytd only) | 2.6551% | 3,292 |
| Net charge-offs to loans | 0.4598% | 3,942 |
| Credit loss provision to net charge-offs | 102.2864% | 5,407 |
| Earnings coverage of net charge-offs (x) | 4.4910% | 2,930 |
| Efficiency ratio | 63.6572% | 5,840 |
| Assets per employee ($millions) | 3.1934% | 5,739 |
| Cash dividends to net income (ytd only)* | 77.7077% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 4,072 |
| Loan loss allowance to noncurrent loans | 281.8994% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 5,759 |
| Noncurrent loans to loans | 0.5073% | 6,236 |
| Net loans and leases to total assets | 73.5906% | 2,365 |
| Net loans and leases to deposits | 88.2084% | 2,524 |
| Net loans and leases to core deposits | 123.0163% | 1,711 |
| Total domestic deposits to total assets | 83.4281% | 4,315 |
| Equity capital to assets | 9.6957% | 4,148 |
| Core capital (leverage) ratio | 9.5124% | 3,701 |
| Tier 1 risk-based capital ratio | 12.5921% | 4,452 |
| Total risk-based capital ratio | 13.8441% | 4,395 |
| Memoranda: | ||
| Average total assets | $237,552,000 | 2,740 |
| Average earning assets | $219,191,200 | 2,713 |
| Average equity | $22,635,800 | 2,870 |
| Average total loans | $180,745,200 | 2,505 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8105% | 2,841 |
| Cost of funding earning assets | 2.0176% | 3,264 |
| Net interest margin | 3.7929% | 3,685 |
| Noninterest income to average assets | 0.8677% | 2,109 |
| Noninterest expense to average assets | 2.8329% | 4,751 |
| Loan and lease loss provision to assets | 0.2663% | 4,834 |
| Net operating income to assets | 1.1816% | 1,510 |
| Return on assets (ROA) | 1.1816% | 1,565 |
| Pretax return on assets | 1.2679% | 2,051 |
| Return on Equity (ROE) | 12.4546% | 1,251 |
| Retained earnings to average equity (ytd only) | 4.0708% | 3,002 |
| Net charge-offs to loans | 0.1401% | 5,303 |
| Credit loss provision to net charge-offs | 248.6911% | 1,739 |
| Earnings coverage of net charge-offs (x) | 14.3299% | 1,606 |
| Efficiency ratio | 64.1381% | 5,723 |
| Assets per employee ($millions) | 3.1658% | 5,739 |
| Cash dividends to net income (ytd only)* | 67.3148% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,240 |
| Loan loss allowance to noncurrent loans | 308.7486% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 6,144 |
| Noncurrent loans to loans | 0.4982% | 6,314 |
| Net loans and leases to total assets | 74.1765% | 2,473 |
| Net loans and leases to deposits | 88.7013% | 2,835 |
| Net loans and leases to core deposits | 125.9371% | 1,741 |
| Total domestic deposits to total assets | 83.6250% | 3,890 |
| Equity capital to assets | 9.7020% | 4,490 |
| Core capital (leverage) ratio | 9.5098% | 3,896 |
| Tier 1 risk-based capital ratio | 12.4550% | 4,582 |
| Total risk-based capital ratio | 13.7088% | 4,529 |
| Memoranda: | ||
| Average total assets | $237,862,500 | 2,753 |
| Average earning assets | $219,459,250 | 2,731 |
| Average equity | $22,566,750 | 2,904 |
| Average total loans | $181,825,250 | 2,517 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7937% | 3,082 |
| Cost of funding earning assets | 2.0908% | 3,316 |
| Net interest margin | 3.7030% | 3,938 |
| Noninterest income to average assets | 0.8770% | 2,070 |
| Noninterest expense to average assets | 2.8310% | 4,822 |
| Loan and lease loss provision to assets | 0.1055% | 6,101 |
| Net operating income to assets | 1.2720% | 1,298 |
| Return on assets (ROA) | 1.2720% | 1,379 |
| Pretax return on assets | 1.3564% | 1,846 |
| Return on Equity (ROE) | 13.5108% | 1,067 |
| Retained earnings to average equity (ytd only) | 5.0206% | 2,491 |
| Net charge-offs to loans | 0.2055% | 4,238 |
| Credit loss provision to net charge-offs | 66.8449% | 5,477 |
| Earnings coverage of net charge-offs (x) | 9.2620% | 2,157 |
| Efficiency ratio | 65.9457% | 5,552 |
| Assets per employee ($millions) | 3.1131% | 5,830 |
| Cash dividends to net income (ytd only)* | 62.8401% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 4,251 |
| Loan loss allowance to noncurrent loans | 305.2500% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 5,861 |
| Noncurrent loans to loans | 0.4270% | 6,450 |
| Net loans and leases to total assets | 77.1411% | 1,922 |
| Net loans and leases to deposits | 93.4292% | 2,185 |
| Net loans and leases to core deposits | 131.5531% | 1,455 |
| Total domestic deposits to total assets | 82.5664% | 4,444 |
| Equity capital to assets | 9.4627% | 4,654 |
| Core capital (leverage) ratio | 9.0939% | 4,478 |
| Tier 1 risk-based capital ratio | 12.1095% | 4,834 |
| Total risk-based capital ratio | 13.3606% | 4,743 |
| Memoranda: | ||
| Average total assets | $236,950,330 | 2,782 |
| Average earning assets | $218,580,670 | 2,756 |
| Average equity | $22,308,000 | 2,937 |
| Average total loans | $182,015,000 | 2,546 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7339% | 3,621 |
| Cost of funding earning assets | 2.1452% | 3,437 |
| Net interest margin | 3.5887% | 4,364 |
| Noninterest income to average assets | 0.9577% | 1,614 |
| Noninterest expense to average assets | 3.0598% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1394% | 1,837 |
| Return on assets (ROA) | 1.1394% | 1,955 |
| Pretax return on assets | 1.2158% | 2,567 |
| Return on Equity (ROE) | 12.1335% | 1,618 |
| Retained earnings to average equity (ytd only) | 3.5804% | 3,901 |
| Net charge-offs to loans | -0.0112% | 7,297 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5647% | 4,259 |
| Assets per employee ($millions) | 3.0057% | 6,136 |
| Cash dividends to net income (ytd only)* | 70.4918% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 3,516 |
| Loan loss allowance to noncurrent loans | 217.2294% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 5,247 |
| Noncurrent loans to loans | 0.6434% | 5,804 |
| Net loans and leases to total assets | 73.6171% | 2,865 |
| Net loans and leases to deposits | 87.6774% | 3,342 |
| Net loans and leases to core deposits | 124.4212% | 2,049 |
| Total domestic deposits to total assets | 83.9636% | 3,724 |
| Equity capital to assets | 9.2228% | 5,058 |
| Core capital (leverage) ratio | 9.0013% | 4,714 |
| Tier 1 risk-based capital ratio | 12.2327% | 4,765 |
| Total risk-based capital ratio | 13.4843% | 4,672 |
| Memoranda: | ||
| Average total assets | $235,570,500 | 2,817 |
| Average earning assets | $217,793,500 | 2,786 |
| Average equity | $22,120,500 | 2,959 |
| Average total loans | $179,344,000 | 2,603 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5826% | 2,565 |
| Cost of funding earning assets | 2.5976% | 3,698 |
| Net interest margin | 3.9850% | 3,189 |
| Noninterest income to average assets | 0.8801% | 2,056 |
| Noninterest expense to average assets | 2.7435% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7374% | 624 |
| Return on assets (ROA) | 1.6807% | 677 |
| Pretax return on assets | 1.7589% | 1,026 |
| Return on Equity (ROE) | 17.2668% | 605 |
| Retained earnings to average equity (ytd only) | -0.4490% | 5,424 |
| Net charge-offs to loans | 0.0490% | 6,090 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 50.1205% | 760 |
| Efficiency ratio | 60.1456% | 6,309 |
| Assets per employee ($millions) | 2.8835% | 6,357 |
| Cash dividends to net income (ytd only)* | 102.6001% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 3,213 |
| Loan loss allowance to noncurrent loans | 214.2002% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 4,829 |
| Noncurrent loans to loans | 0.6525% | 5,411 |
| Net loans and leases to total assets | 76.5799% | 2,481 |
| Net loans and leases to deposits | 91.8925% | 3,159 |
| Net loans and leases to core deposits | 128.8783% | 1,938 |
| Total domestic deposits to total assets | 83.3364% | 3,639 |
| Equity capital to assets | 9.5647% | 4,592 |
| Core capital (leverage) ratio | 8.9260% | 4,851 |
| Tier 1 risk-based capital ratio | 12.2424% | 4,637 |
| Total risk-based capital ratio | 13.4941% | 4,527 |
| Memoranda: | ||
| Average total assets | $228,831,200 | 2,776 |
| Average earning assets | $211,390,600 | 2,757 |
| Average equity | $22,274,000 | 2,941 |
| Average total loans | $169,361,400 | 2,624 |