Home > State Bank of Lincoln > Performance and Condition Ratios
State Bank of Lincoln, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4574% | 4,277 |
| Cost of funding earning assets | 0.2152% | 4,618 |
| Net interest margin | 3.2422% | 3,357 |
| Noninterest income to average assets | 1.1117% | 841 |
| Noninterest expense to average assets | 2.8407% | 1,848 |
| Loan and lease loss provision to assets | 0.3470% | 1,096 |
| Net operating income to assets | 0.8247% | 3,002 |
| Return on assets (ROA) | 0.8247% | 3,125 |
| Pretax return on assets | 1.0657% | 2,864 |
| Return on Equity (ROE) | 7.6958% | 2,927 |
| Retained earnings to average equity (ytd only) | 1.4060% | 4,113 |
| Net charge-offs to loans | 0.0884% | 1,418 |
| Credit loss provision to net charge-offs | 802.7523% | 978 |
| Earnings coverage of net charge-offs (x) | 32.6881% | 1,516 |
| Efficiency ratio | 66.7878% | 2,347 |
| Assets per employee ($millions) | 4.5372% | 3,801 |
| Cash dividends to net income (ytd only)* | 81.7308% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 695 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 1,005 |
| Noncurrent loans to loans | 2.1188% | 560 |
| Net loans and leases to total assets | 45.4016% | 4,345 |
| Net loans and leases to deposits | 51.1608% | 4,442 |
| Net loans and leases to core deposits | 52.6079% | 4,501 |
| Total domestic deposits to total assets | 88.7429% | 880 |
| Equity capital to assets | 10.5129% | 2,781 |
| Core capital (leverage) ratio | 9.8171% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1595% | 890 |
| Memoranda: | ||
| Average total assets | $336,295,500 | 2,092 |
| Average earning assets | $325,862,750 | 2,026 |
| Average equity | $36,036,000 | 2,161 |
| Average total loans | $164,430,500 | 2,537 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 4,227 |
| Cost of funding earning assets | 0.2559% | 4,603 |
| Net interest margin | 3.3655% | 3,208 |
| Noninterest income to average assets | 0.8477% | 1,293 |
| Noninterest expense to average assets | 2.8885% | 1,859 |
| Loan and lease loss provision to assets | 0.2488% | 1,691 |
| Net operating income to assets | 0.7562% | 3,198 |
| Return on assets (ROA) | 0.7562% | 3,314 |
| Pretax return on assets | 0.9670% | 3,120 |
| Return on Equity (ROE) | 7.0101% | 3,127 |
| Retained earnings to average equity (ytd only) | 1.4244% | 3,964 |
| Net charge-offs to loans | 0.0387% | 1,973 |
| Credit loss provision to net charge-offs | 1,290.6250% | 671 |
| Earnings coverage of net charge-offs (x) | 63.0625% | 933 |
| Efficiency ratio | 70.3758% | 1,908 |
| Assets per employee ($millions) | 4.6499% | 3,597 |
| Cash dividends to net income (ytd only)* | 79.6813% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,266 |
| Loan loss allowance to noncurrent loans | 1,132.8889% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 3,744 |
| Noncurrent loans to loans | 0.1324% | 3,928 |
| Net loans and leases to total assets | 47.9848% | 4,255 |
| Net loans and leases to deposits | 54.0875% | 4,376 |
| Net loans and leases to core deposits | 55.9449% | 4,436 |
| Total domestic deposits to total assets | 88.7169% | 857 |
| Equity capital to assets | 10.5241% | 2,729 |
| Core capital (leverage) ratio | 9.9276% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5917% | 963 |
| Memoranda: | ||
| Average total assets | $331,940,000 | 2,084 |
| Average earning assets | $321,204,333 | 2,022 |
| Average equity | $35,805,333 | 2,170 |
| Average total loans | $165,390,667 | 2,514 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 4,231 |
| Cost of funding earning assets | 0.3076% | 4,635 |
| Net interest margin | 3.4940% | 3,001 |
| Noninterest income to average assets | 0.2757% | 3,875 |
| Noninterest expense to average assets | 2.9066% | 2,103 |
| Loan and lease loss provision to assets | 0.5860% | 479 |
| Net operating income to assets | 0.1743% | 4,563 |
| Return on assets (ROA) | 0.1743% | 4,572 |
| Pretax return on assets | 0.1533% | 4,623 |
| Return on Equity (ROE) | 1.5952% | 4,525 |
| Retained earnings to average equity (ytd only) | -4.0614% | 4,444 |
| Net charge-offs to loans | 0.0834% | 1,201 |
| Credit loss provision to net charge-offs | 1,394.1176% | 464 |
| Earnings coverage of net charge-offs (x) | 17.5882% | 1,490 |
| Efficiency ratio | 79.7219% | 1,166 |
| Assets per employee ($millions) | 4.1711% | 3,695 |
| Cash dividends to net income (ytd only)* | 354.6099% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 1,117 |
| Loan loss allowance to noncurrent loans | 461.5929% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 3,288 |
| Noncurrent loans to loans | 0.3427% | 3,266 |
| Net loans and leases to total assets | 51.8758% | 4,125 |
| Net loans and leases to deposits | 59.0792% | 4,240 |
| Net loans and leases to core deposits | 61.5251% | 4,290 |
| Total domestic deposits to total assets | 87.8071% | 1,184 |
| Equity capital to assets | 11.3768% | 2,539 |
| Core capital (leverage) ratio | 10.3222% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7398% | 1,185 |
| Memoranda: | ||
| Average total assets | $323,538,000 | 2,074 |
| Average earning assets | $312,074,500 | 2,015 |
| Average equity | $35,357,000 | 2,181 |
| Average total loans | $163,139,500 | 2,513 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 4,519 |
| Cost of funding earning assets | 0.4417% | 4,299 |
| Net interest margin | 3.3948% | 3,765 |
| Noninterest income to average assets | 1.2561% | 599 |
| Noninterest expense to average assets | 2.7842% | 2,656 |
| Loan and lease loss provision to assets | 0.1172% | 1,804 |
| Net operating income to assets | 1.2892% | 1,732 |
| Return on assets (ROA) | 1.2943% | 1,789 |
| Pretax return on assets | 1.6480% | 1,341 |
| Return on Equity (ROE) | 12.6800% | 1,278 |
| Retained earnings to average equity (ytd only) | -10.5485% | 5,070 |
| Net charge-offs to loans | -0.1552% | 5,024 |
| Credit loss provision to net charge-offs | -187.5000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7945% | 3,567 |
| Assets per employee ($millions) | 4.2852% | 3,528 |
| Cash dividends to net income (ytd only)* | 183.1897% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 1,732 |
| Loan loss allowance to noncurrent loans | 639.5280% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 3,610 |
| Noncurrent loans to loans | 0.2101% | 3,709 |
| Net loans and leases to total assets | 47.6356% | 4,445 |
| Net loans and leases to deposits | 53.6069% | 4,550 |
| Net loans and leases to core deposits | 55.6002% | 4,601 |
| Total domestic deposits to total assets | 88.8609% | 719 |
| Equity capital to assets | 10.5084% | 3,437 |
| Core capital (leverage) ratio | 9.8209% | 3,708 |
| Tier 1 risk-based capital ratio | 16.5041% | 2,214 |
| Total risk-based capital ratio | 17.5812% | 2,228 |
| Memoranda: | ||
| Average total assets | $358,493,400 | 1,879 |
| Average earning assets | $347,089,600 | 1,825 |
| Average equity | $36,593,000 | 2,071 |
| Average total loans | $144,294,400 | 2,672 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 4,588 |
| Cost of funding earning assets | 0.4611% | 4,300 |
| Net interest margin | 3.4013% | 3,863 |
| Noninterest income to average assets | 1.1078% | 742 |
| Noninterest expense to average assets | 2.7412% | 2,742 |
| Loan and lease loss provision to assets | 0.1664% | 1,122 |
| Net operating income to assets | 1.4732% | 1,261 |
| Return on assets (ROA) | 1.4809% | 1,301 |
| Pretax return on assets | 1.5021% | 1,948 |
| Return on Equity (ROE) | 14.6063% | 868 |
| Retained earnings to average equity (ytd only) | -7.0380% | 5,109 |
| Net charge-offs to loans | -0.2266% | 5,128 |
| Credit loss provision to net charge-offs | -191.1765% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6068% | 3,388 |
| Assets per employee ($millions) | 4.2559% | 3,542 |
| Cash dividends to net income (ytd only)* | 148.1848% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 1,195 |
| Loan loss allowance to noncurrent loans | 1,360.1227% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 3,998 |
| Noncurrent loans to loans | 0.1119% | 4,145 |
| Net loans and leases to total assets | 41.6277% | 4,759 |
| Net loans and leases to deposits | 46.8731% | 4,847 |
| Net loans and leases to core deposits | 48.6472% | 4,867 |
| Total domestic deposits to total assets | 88.8092% | 685 |
| Equity capital to assets | 10.7832% | 3,310 |
| Core capital (leverage) ratio | 9.9634% | 3,674 |
| Tier 1 risk-based capital ratio | 18.6979% | 1,639 |
| Total risk-based capital ratio | 19.8778% | 1,619 |
| Memoranda: | ||
| Average total assets | $364,555,250 | 1,883 |
| Average earning assets | $353,067,750 | 1,820 |
| Average equity | $36,960,250 | 2,062 |
| Average total loans | $140,021,000 | 2,752 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 4,539 |
| Cost of funding earning assets | 0.4746% | 4,231 |
| Net interest margin | 3.4338% | 3,789 |
| Noninterest income to average assets | 1.0545% | 777 |
| Noninterest expense to average assets | 2.6764% | 2,986 |
| Loan and lease loss provision to assets | -0.2252% | 5,259 |
| Net operating income to assets | 1.9081% | 470 |
| Return on assets (ROA) | 1.9134% | 485 |
| Pretax return on assets | 1.9345% | 781 |
| Return on Equity (ROE) | 19.2522% | 303 |
| Retained earnings to average equity (ytd only) | -2.4343% | 4,942 |
| Net charge-offs to loans | -0.5285% | 5,229 |
| Credit loss provision to net charge-offs | 114.5205% | 1,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1181% | 3,710 |
| Assets per employee ($millions) | 4.4884% | 3,157 |
| Cash dividends to net income (ytd only)* | 112.6443% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 3,287 |
| Loan loss allowance to noncurrent loans | 280.1905% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 3,549 |
| Noncurrent loans to loans | 0.3781% | 3,172 |
| Net loans and leases to total assets | 37.7851% | 4,921 |
| Net loans and leases to deposits | 42.4073% | 4,987 |
| Net loans and leases to core deposits | 43.8350% | 4,999 |
| Total domestic deposits to total assets | 89.1006% | 623 |
| Equity capital to assets | 10.5589% | 3,468 |
| Core capital (leverage) ratio | 10.3920% | 3,198 |
| Tier 1 risk-based capital ratio | 20.0474% | 1,345 |
| Total risk-based capital ratio | 20.8524% | 1,396 |
| Memoranda: | ||
| Average total assets | $371,163,670 | 1,862 |
| Average earning assets | $359,480,330 | 1,805 |
| Average equity | $36,889,330 | 2,068 |
| Average total loans | $138,121,330 | 2,787 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,990 |
| Cost of funding earning assets | 0.4839% | 4,136 |
| Net interest margin | 3.0796% | 4,621 |
| Noninterest income to average assets | 0.8225% | 1,231 |
| Noninterest expense to average assets | 2.7576% | 2,715 |
| Loan and lease loss provision to assets | 0.1664% | 1,012 |
| Net operating income to assets | 0.8590% | 3,411 |
| Return on assets (ROA) | 0.8715% | 3,392 |
| Pretax return on assets | 0.8918% | 3,794 |
| Return on Equity (ROE) | 9.0426% | 2,790 |
| Retained earnings to average equity (ytd only) | -13.0935% | 5,175 |
| Net charge-offs to loans | 0.1307% | 959 |
| Credit loss provision to net charge-offs | 346.6667% | 758 |
| Earnings coverage of net charge-offs (x) | 21.7778% | 1,522 |
| Efficiency ratio | 71.3885% | 2,129 |
| Assets per employee ($millions) | 4.3902% | 3,346 |
| Cash dividends to net income (ytd only)* | 244.7980% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,661 |
| Loan loss allowance to noncurrent loans | 1,028.3019% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 3,879 |
| Noncurrent loans to loans | 0.1153% | 4,221 |
| Net loans and leases to total assets | 38.3297% | 4,946 |
| Net loans and leases to deposits | 42.8389% | 5,013 |
| Net loans and leases to core deposits | 44.1931% | 5,034 |
| Total domestic deposits to total assets | 89.4741% | 653 |
| Equity capital to assets | 10.1744% | 3,652 |
| Core capital (leverage) ratio | 9.7192% | 3,897 |
| Tier 1 risk-based capital ratio | 19.2920% | 1,484 |
| Total risk-based capital ratio | 20.1769% | 1,527 |
| Memoranda: | ||
| Average total assets | $374,965,000 | 1,856 |
| Average earning assets | $362,898,500 | 1,799 |
| Average equity | $36,140,000 | 2,088 |
| Average total loans | $137,760,500 | 2,818 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 4,989 |
| Cost of funding earning assets | 0.3203% | 4,463 |
| Net interest margin | 3.0994% | 4,651 |
| Noninterest income to average assets | 1.4514% | 429 |
| Noninterest expense to average assets | 2.8333% | 2,571 |
| Loan and lease loss provision to assets | 0.0964% | 2,233 |
| Net operating income to assets | 1.5190% | 1,075 |
| Return on assets (ROA) | 1.3628% | 1,547 |
| Pretax return on assets | 1.3686% | 2,243 |
| Return on Equity (ROE) | 14.5156% | 934 |
| Retained earnings to average equity (ytd only) | -0.0826% | 4,996 |
| Net charge-offs to loans | 0.3119% | 624 |
| Credit loss provision to net charge-offs | 80.7425% | 2,851 |
| Earnings coverage of net charge-offs (x) | 13.5754% | 2,447 |
| Efficiency ratio | 62.6026% | 3,416 |
| Assets per employee ($millions) | 4.6943% | 2,887 |
| Cash dividends to net income (ytd only)* | 100.5693% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,047 |
| Loan loss allowance to noncurrent loans | 617.0040% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 3,635 |
| Noncurrent loans to loans | 0.1795% | 3,950 |
| Net loans and leases to total assets | 34.5044% | 5,106 |
| Net loans and leases to deposits | 38.0749% | 5,151 |
| Net loans and leases to core deposits | 39.1939% | 5,172 |
| Total domestic deposits to total assets | 90.6224% | 292 |
| Equity capital to assets | 9.1547% | 4,444 |
| Core capital (leverage) ratio | 10.2058% | 3,349 |
| Tier 1 risk-based capital ratio | 21.6206% | 1,077 |
| Total risk-based capital ratio | 22.5722% | 1,102 |
| Memoranda: | ||
| Average total assets | $360,885,000 | 1,874 |
| Average earning assets | $349,676,400 | 1,811 |
| Average equity | $33,880,800 | 2,121 |
| Average total loans | $138,197,600 | 2,787 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4711% | 4,956 |
| Cost of funding earning assets | 0.2920% | 4,575 |
| Net interest margin | 3.1791% | 4,553 |
| Noninterest income to average assets | 1.3775% | 499 |
| Noninterest expense to average assets | 2.9107% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5393% | 1,095 |
| Return on assets (ROA) | 1.5348% | 1,111 |
| Pretax return on assets | 1.5427% | 1,760 |
| Return on Equity (ROE) | 16.2350% | 659 |
| Retained earnings to average equity (ytd only) | 6.0491% | 2,632 |
| Net charge-offs to loans | 0.1725% | 961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 22.8548% | 1,860 |
| Efficiency ratio | 64.2742% | 3,135 |
| Assets per employee ($millions) | 4.1050% | 3,719 |
| Cash dividends to net income (ytd only)* | 62.7402% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,800 |
| Loan loss allowance to noncurrent loans | 117.8218% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 2,657 |
| Noncurrent loans to loans | 0.8446% | 2,017 |
| Net loans and leases to total assets | 41.2038% | 4,990 |
| Net loans and leases to deposits | 45.7312% | 5,062 |
| Net loans and leases to core deposits | 47.1822% | 5,083 |
| Total domestic deposits to total assets | 90.1000% | 478 |
| Equity capital to assets | 9.5619% | 4,024 |
| Core capital (leverage) ratio | 10.1656% | 3,448 |
| Tier 1 risk-based capital ratio | 20.8536% | 1,203 |
| Total risk-based capital ratio | 21.7302% | 1,225 |
| Memoranda: | ||
| Average total assets | $352,526,000 | 1,920 |
| Average earning assets | $341,596,250 | 1,853 |
| Average equity | $33,326,250 | 2,146 |
| Average total loans | $138,351,500 | 2,811 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4084% | 5,030 |
| Cost of funding earning assets | 0.2552% | 4,727 |
| Net interest margin | 3.1532% | 4,609 |
| Noninterest income to average assets | 1.3456% | 530 |
| Noninterest expense to average assets | 2.8787% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5105% | 1,134 |
| Return on assets (ROA) | 1.5038% | 1,151 |
| Pretax return on assets | 1.5156% | 1,759 |
| Return on Equity (ROE) | 15.9667% | 680 |
| Retained earnings to average equity (ytd only) | 5.8963% | 2,610 |
| Net charge-offs to loans | 0.1420% | 1,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 27.8660% | 1,568 |
| Efficiency ratio | 64.3844% | 3,269 |
| Assets per employee ($millions) | 4.3334% | 3,384 |
| Cash dividends to net income (ytd only)* | 63.0712% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,475 |
| Loan loss allowance to noncurrent loans | 254.6374% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,426 |
| Noncurrent loans to loans | 0.4166% | 3,204 |
| Net loans and leases to total assets | 38.2346% | 5,118 |
| Net loans and leases to deposits | 42.1601% | 5,191 |
| Net loans and leases to core deposits | 43.3991% | 5,207 |
| Total domestic deposits to total assets | 90.6891% | 330 |
| Equity capital to assets | 8.9903% | 4,569 |
| Core capital (leverage) ratio | 9.3993% | 4,247 |
| Tier 1 risk-based capital ratio | 20.5133% | 1,249 |
| Total risk-based capital ratio | 21.4370% | 1,264 |
| Memoranda: | ||
| Average total assets | $355,095,330 | 1,911 |
| Average earning assets | $344,093,330 | 1,845 |
| Average equity | $33,444,670 | 2,149 |
| Average total loans | $136,633,330 | 2,835 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3694% | 5,054 |
| Cost of funding earning assets | 0.1732% | 5,144 |
| Net interest margin | 3.1961% | 4,472 |
| Noninterest income to average assets | 1.3786% | 487 |
| Noninterest expense to average assets | 2.8926% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5542% | 948 |
| Return on assets (ROA) | 1.5542% | 954 |
| Pretax return on assets | 1.5783% | 1,456 |
| Return on Equity (ROE) | 16.1145% | 601 |
| Retained earnings to average equity (ytd only) | 6.5577% | 2,473 |
| Net charge-offs to loans | 0.1854% | 789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 22.1774% | 1,410 |
| Efficiency ratio | 63.6714% | 3,532 |
| Assets per employee ($millions) | 4.2214% | 3,610 |
| Cash dividends to net income (ytd only)* | 59.3058% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,228 |
| Loan loss allowance to noncurrent loans | 576.4925% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 3,804 |
| Noncurrent loans to loans | 0.1951% | 4,086 |
| Net loans and leases to total assets | 38.2964% | 5,126 |
| Net loans and leases to deposits | 42.4002% | 5,204 |
| Net loans and leases to core deposits | 43.7134% | 5,216 |
| Total domestic deposits to total assets | 90.3214% | 535 |
| Equity capital to assets | 9.3407% | 4,234 |
| Core capital (leverage) ratio | 10.0836% | 3,444 |
| Tier 1 risk-based capital ratio | 20.5985% | 1,252 |
| Total risk-based capital ratio | 21.5592% | 1,267 |
| Memoranda: | ||
| Average total assets | $348,472,000 | 1,958 |
| Average earning assets | $337,157,000 | 1,889 |
| Average equity | $33,609,500 | 2,155 |
| Average total loans | $133,778,000 | 2,891 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1235% | 5,265 |
| Cost of funding earning assets | 0.1757% | 5,120 |
| Net interest margin | 2.9478% | 4,977 |
| Noninterest income to average assets | 1.7771% | 354 |
| Noninterest expense to average assets | 3.0328% | 2,066 |
| Loan and lease loss provision to assets | 0.0518% | 3,193 |
| Net operating income to assets | 1.5088% | 784 |
| Return on assets (ROA) | 1.4090% | 1,015 |
| Pretax return on assets | 1.4329% | 1,877 |
| Return on Equity (ROE) | 14.6045% | 675 |
| Retained earnings to average equity (ytd only) | 4.6884% | 2,330 |
| Net charge-offs to loans | 0.5129% | 456 |
| Credit loss provision to net charge-offs | 27.2727% | 3,558 |
| Earnings coverage of net charge-offs (x) | 8.3591% | 2,923 |
| Efficiency ratio | 64.6539% | 3,504 |
| Assets per employee ($millions) | 3.8903% | 4,137 |
| Cash dividends to net income (ytd only)* | 67.8980% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,571 |
| Loan loss allowance to noncurrent loans | 704.8246% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 3,647 |
| Noncurrent loans to loans | 0.1751% | 4,219 |
| Net loans and leases to total assets | 37.5660% | 5,241 |
| Net loans and leases to deposits | 41.8612% | 5,301 |
| Net loans and leases to core deposits | 43.3358% | 5,312 |
| Total domestic deposits to total assets | 89.7394% | 661 |
| Equity capital to assets | 9.9598% | 3,745 |
| Core capital (leverage) ratio | 9.9810% | 3,482 |
| Tier 1 risk-based capital ratio | 21.2264% | 1,106 |
| Total risk-based capital ratio | 22.2710% | 1,120 |
| Memoranda: | ||
| Average total assets | $347,762,600 | 1,930 |
| Average earning assets | $335,300,000 | 1,865 |
| Average equity | $33,551,200 | 2,151 |
| Average total loans | $128,670,000 | 2,933 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0881% | 5,350 |
| Cost of funding earning assets | 0.1751% | 5,161 |
| Net interest margin | 2.9129% | 5,073 |
| Noninterest income to average assets | 1.8400% | 348 |
| Noninterest expense to average assets | 3.0751% | 1,879 |
| Loan and lease loss provision to assets | 0.0687% | 2,698 |
| Net operating income to assets | 1.4798% | 935 |
| Return on assets (ROA) | 1.4761% | 961 |
| Pretax return on assets | 1.4997% | 1,770 |
| Return on Equity (ROE) | 15.4219% | 600 |
| Retained earnings to average equity (ytd only) | 4.0939% | 3,485 |
| Net charge-offs to loans | 0.0010% | 3,753 |
| Credit loss provision to net charge-offs | 18,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 4,127.2180% | 14 |
| Efficiency ratio | 65.1820% | 3,347 |
| Assets per employee ($millions) | 4.0089% | 3,978 |
| Cash dividends to net income (ytd only)* | 73.4542% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 994 |
| Loan loss allowance to noncurrent loans | 518.5355% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3762% | 3,521 |
| Noncurrent loans to loans | 0.3314% | 3,761 |
| Net loans and leases to total assets | 37.5900% | 5,284 |
| Net loans and leases to deposits | 41.8960% | 5,367 |
| Net loans and leases to core deposits | 43.2602% | 5,380 |
| Total domestic deposits to total assets | 89.7222% | 567 |
| Equity capital to assets | 9.8700% | 4,061 |
| Core capital (leverage) ratio | 9.7160% | 3,918 |
| Tier 1 risk-based capital ratio | 20.5980% | 1,265 |
| Total risk-based capital ratio | 21.8526% | 1,233 |
| Memoranda: | ||
| Average total assets | $349,116,500 | 1,932 |
| Average earning assets | $336,466,500 | 1,868 |
| Average equity | $33,414,750 | 2,173 |
| Average total loans | $128,284,250 | 2,963 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0205% | 5,418 |
| Cost of funding earning assets | 0.1735% | 5,182 |
| Net interest margin | 2.8469% | 5,174 |
| Noninterest income to average assets | 1.8598% | 353 |
| Noninterest expense to average assets | 3.0448% | 1,993 |
| Loan and lease loss provision to assets | 0.0685% | 2,599 |
| Net operating income to assets | 1.4656% | 925 |
| Return on assets (ROA) | 1.4656% | 947 |
| Pretax return on assets | 1.4890% | 1,693 |
| Return on Equity (ROE) | 15.4711% | 602 |
| Retained earnings to average equity (ytd only) | 4.6431% | 2,950 |
| Net charge-offs to loans | 0.0236% | 2,750 |
| Credit loss provision to net charge-offs | 800.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 439 |
| Efficiency ratio | 65.1667% | 3,480 |
| Assets per employee ($millions) | 4.1734% | 3,673 |
| Cash dividends to net income (ytd only)* | 69.9883% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,167 |
| Loan loss allowance to noncurrent loans | 109.5952% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 2,020 |
| Noncurrent loans to loans | 1.5023% | 1,250 |
| Net loans and leases to total assets | 36.9290% | 5,339 |
| Net loans and leases to deposits | 41.0250% | 5,421 |
| Net loans and leases to core deposits | 42.3159% | 5,441 |
| Total domestic deposits to total assets | 90.0158% | 531 |
| Equity capital to assets | 9.5456% | 4,368 |
| Core capital (leverage) ratio | 9.7000% | 3,895 |
| Tier 1 risk-based capital ratio | 19.9323% | 1,384 |
| Total risk-based capital ratio | 21.1866% | 1,344 |
| Memoranda: | ||
| Average total assets | $350,568,000 | 1,923 |
| Average earning assets | $337,696,000 | 1,867 |
| Average equity | $33,210,330 | 2,177 |
| Average total loans | $127,091,670 | 2,988 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9552% | 5,501 |
| Cost of funding earning assets | 0.1743% | 5,204 |
| Net interest margin | 2.7809% | 5,283 |
| Noninterest income to average assets | 1.8687% | 339 |
| Noninterest expense to average assets | 3.0831% | 1,912 |
| Loan and lease loss provision to assets | 0.0689% | 2,434 |
| Net operating income to assets | 1.3682% | 1,064 |
| Return on assets (ROA) | 1.3682% | 1,101 |
| Pretax return on assets | 1.3912% | 1,922 |
| Return on Equity (ROE) | 14.4992% | 726 |
| Retained earnings to average equity (ytd only) | 3.7586% | 3,571 |
| Net charge-offs to loans | -0.0226% | 4,805 |
| Credit loss provision to net charge-offs | -857.1429% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8519% | 3,358 |
| Assets per employee ($millions) | 4.1555% | 3,749 |
| Cash dividends to net income (ytd only)* | 74.0772% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 1,161 |
| Loan loss allowance to noncurrent loans | 145.0202% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7253% | 2,480 |
| Noncurrent loans to loans | 1.1658% | 1,745 |
| Net loans and leases to total assets | 35.4778% | 5,423 |
| Net loans and leases to deposits | 39.3528% | 5,491 |
| Net loans and leases to core deposits | 40.5948% | 5,505 |
| Total domestic deposits to total assets | 90.1533% | 599 |
| Equity capital to assets | 9.3824% | 4,411 |
| Core capital (leverage) ratio | 9.5132% | 4,112 |
| Tier 1 risk-based capital ratio | 20.0201% | 1,386 |
| Total risk-based capital ratio | 21.2739% | 1,352 |
| Memoranda: | ||
| Average total assets | $348,482,000 | 1,942 |
| Average earning assets | $335,139,000 | 1,887 |
| Average equity | $32,884,500 | 2,200 |
| Average total loans | $124,040,000 | 3,055 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0135% | 5,491 |
| Cost of funding earning assets | 0.1792% | 5,223 |
| Net interest margin | 2.8342% | 5,234 |
| Noninterest income to average assets | 2.5486% | 247 |
| Noninterest expense to average assets | 3.3244% | 1,524 |
| Loan and lease loss provision to assets | 0.0699% | 2,960 |
| Net operating income to assets | 1.8207% | 427 |
| Return on assets (ROA) | 1.8261% | 442 |
| Pretax return on assets | 1.8649% | 670 |
| Return on Equity (ROE) | 19.0177% | 263 |
| Retained earnings to average equity (ytd only) | 7.0869% | 1,195 |
| Net charge-offs to loans | 0.0318% | 3,387 |
| Credit loss provision to net charge-offs | 585.3659% | 585 |
| Earnings coverage of net charge-offs (x) | 161.4634% | 403 |
| Efficiency ratio | 62.2844% | 4,205 |
| Assets per employee ($millions) | 3.9511% | 4,059 |
| Cash dividends to net income (ytd only)* | 62.7354% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7303% | 1,086 |
| Loan loss allowance to noncurrent loans | 94.3917% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 1,913 |
| Noncurrent loans to loans | 1.8332% | 1,033 |
| Net loans and leases to total assets | 34.4801% | 5,539 |
| Net loans and leases to deposits | 38.2809% | 5,597 |
| Net loans and leases to core deposits | 39.5732% | 5,609 |
| Total domestic deposits to total assets | 90.0712% | 606 |
| Equity capital to assets | 9.4921% | 4,277 |
| Core capital (leverage) ratio | 9.6255% | 3,936 |
| Tier 1 risk-based capital ratio | 20.9373% | 1,220 |
| Total risk-based capital ratio | 22.1927% | 1,199 |
| Memoranda: | ||
| Average total assets | $343,128,000 | 1,934 |
| Average earning assets | $327,495,200 | 1,883 |
| Average equity | $32,948,200 | 2,184 |
| Average total loans | $129,133,600 | 2,933 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 5,548 |
| Cost of funding earning assets | 0.1790% | 5,272 |
| Net interest margin | 2.8446% | 5,279 |
| Noninterest income to average assets | 2.5980% | 246 |
| Noninterest expense to average assets | 3.2589% | 1,658 |
| Loan and lease loss provision to assets | 0.0700% | 2,815 |
| Net operating income to assets | 1.9419% | 376 |
| Return on assets (ROA) | 1.9488% | 392 |
| Pretax return on assets | 1.9877% | 585 |
| Return on Equity (ROE) | 20.2369% | 228 |
| Retained earnings to average equity (ytd only) | 7.8719% | 1,223 |
| Net charge-offs to loans | 0.0244% | 3,179 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 219.7863% | 350 |
| Efficiency ratio | 60.3968% | 4,480 |
| Assets per employee ($millions) | 3.8393% | 4,234 |
| Cash dividends to net income (ytd only)* | 61.1012% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,559 |
| Loan loss allowance to noncurrent loans | 293.8218% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 3,400 |
| Noncurrent loans to loans | 0.5345% | 3,389 |
| Net loans and leases to total assets | 37.9386% | 5,469 |
| Net loans and leases to deposits | 42.3935% | 5,571 |
| Net loans and leases to core deposits | 43.7956% | 5,584 |
| Total domestic deposits to total assets | 89.4917% | 674 |
| Equity capital to assets | 10.1108% | 4,029 |
| Core capital (leverage) ratio | 9.4849% | 4,200 |
| Tier 1 risk-based capital ratio | 19.9110% | 1,461 |
| Total risk-based capital ratio | 21.1652% | 1,426 |
| Memoranda: | ||
| Average total assets | $342,972,750 | 1,932 |
| Average earning assets | $326,929,750 | 1,895 |
| Average equity | $33,028,000 | 2,192 |
| Average total loans | $131,264,000 | 2,912 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0021% | 5,648 |
| Cost of funding earning assets | 0.1770% | 5,354 |
| Net interest margin | 2.8251% | 5,388 |
| Noninterest income to average assets | 2.5450% | 248 |
| Noninterest expense to average assets | 3.0985% | 2,069 |
| Loan and lease loss provision to assets | 0.0696% | 2,750 |
| Net operating income to assets | 2.0247% | 319 |
| Return on assets (ROA) | 2.0349% | 326 |
| Pretax return on assets | 2.0738% | 495 |
| Return on Equity (ROE) | 21.4819% | 175 |
| Retained earnings to average equity (ytd only) | 8.9799% | 853 |
| Net charge-offs to loans | -0.0198% | 4,942 |
| Credit loss provision to net charge-offs | -923.0769% | 5,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2298% | 4,870 |
| Assets per employee ($millions) | 3.9952% | 3,909 |
| Cash dividends to net income (ytd only)* | 58.1979% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 1,558 |
| Loan loss allowance to noncurrent loans | 207.9218% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 3,190 |
| Noncurrent loans to loans | 0.7644% | 2,834 |
| Net loans and leases to total assets | 36.4220% | 5,589 |
| Net loans and leases to deposits | 40.6064% | 5,667 |
| Net loans and leases to core deposits | 41.8165% | 5,688 |
| Total domestic deposits to total assets | 89.6952% | 592 |
| Equity capital to assets | 9.9081% | 4,334 |
| Core capital (leverage) ratio | 9.4499% | 4,272 |
| Tier 1 risk-based capital ratio | 20.1814% | 1,415 |
| Total risk-based capital ratio | 21.4359% | 1,383 |
| Memoranda: | ||
| Average total assets | $344,678,330 | 1,935 |
| Average earning assets | $327,774,330 | 1,891 |
| Average equity | $32,650,670 | 2,216 |
| Average total loans | $131,611,000 | 2,910 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0144% | 5,675 |
| Cost of funding earning assets | 0.1777% | 5,390 |
| Net interest margin | 2.8367% | 5,418 |
| Noninterest income to average assets | 2.0601% | 330 |
| Noninterest expense to average assets | 3.0010% | 2,389 |
| Loan and lease loss provision to assets | 0.0695% | 2,560 |
| Net operating income to assets | 1.6511% | 633 |
| Return on assets (ROA) | 1.6511% | 675 |
| Pretax return on assets | 1.6893% | 1,094 |
| Return on Equity (ROE) | 17.8379% | 370 |
| Retained earnings to average equity (ytd only) | 5.5704% | 2,602 |
| Net charge-offs to loans | -0.0538% | 5,365 |
| Credit loss provision to net charge-offs | -333.3333% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9523% | 4,451 |
| Assets per employee ($millions) | 3.9557% | 4,030 |
| Cash dividends to net income (ytd only)* | 68.7719% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 2,090 |
| Loan loss allowance to noncurrent loans | 207.1654% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 2,517 |
| Noncurrent loans to loans | 0.7119% | 3,062 |
| Net loans and leases to total assets | 38.6097% | 5,527 |
| Net loans and leases to deposits | 42.9011% | 5,629 |
| Net loans and leases to core deposits | 44.1886% | 5,652 |
| Total domestic deposits to total assets | 89.9968% | 598 |
| Equity capital to assets | 9.5655% | 4,604 |
| Core capital (leverage) ratio | 9.0911% | 4,744 |
| Tier 1 risk-based capital ratio | 19.0817% | 1,715 |
| Total risk-based capital ratio | 20.3357% | 1,674 |
| Memoranda: | ||
| Average total assets | $345,223,000 | 1,942 |
| Average earning assets | $328,555,000 | 1,889 |
| Average equity | $31,954,500 | 2,249 |
| Average total loans | $133,835,000 | 2,878 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9505% | 5,775 |
| Cost of funding earning assets | 0.1915% | 5,352 |
| Net interest margin | 2.7590% | 5,584 |
| Noninterest income to average assets | 2.7715% | 234 |
| Noninterest expense to average assets | 3.3213% | 1,677 |
| Loan and lease loss provision to assets | 0.0709% | 2,861 |
| Net operating income to assets | 1.9656% | 367 |
| Return on assets (ROA) | 1.9656% | 374 |
| Pretax return on assets | 2.0091% | 528 |
| Return on Equity (ROE) | 21.4579% | 193 |
| Retained earnings to average equity (ytd only) | 7.4364% | 1,116 |
| Net charge-offs to loans | 0.0715% | 2,815 |
| Credit loss provision to net charge-offs | 255.3191% | 1,125 |
| Earnings coverage of net charge-offs (x) | 74.9043% | 735 |
| Efficiency ratio | 60.5119% | 4,838 |
| Assets per employee ($millions) | 4.0259% | 3,889 |
| Cash dividends to net income (ytd only)* | 65.3442% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 2,395 |
| Loan loss allowance to noncurrent loans | 99.1076% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9285% | 2,342 |
| Noncurrent loans to loans | 1.4179% | 1,641 |
| Net loans and leases to total assets | 37.8208% | 5,632 |
| Net loans and leases to deposits | 41.7287% | 5,716 |
| Net loans and leases to core deposits | 42.5665% | 5,753 |
| Total domestic deposits to total assets | 90.6351% | 394 |
| Equity capital to assets | 8.9558% | 5,166 |
| Core capital (leverage) ratio | 9.0323% | 4,848 |
| Tier 1 risk-based capital ratio | 18.4920% | 1,833 |
| Total risk-based capital ratio | 19.7447% | 1,777 |
| Memoranda: | ||
| Average total assets | $338,515,800 | 1,934 |
| Average earning assets | $322,652,200 | 1,879 |
| Average equity | $31,009,600 | 2,248 |
| Average total loans | $131,470,800 | 2,866 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9488% | 5,850 |
| Cost of funding earning assets | 0.1954% | 5,420 |
| Net interest margin | 2.7534% | 5,657 |
| Noninterest income to average assets | 2.9568% | 217 |
| Noninterest expense to average assets | 3.2806% | 1,744 |
| Loan and lease loss provision to assets | 0.0715% | 2,747 |
| Net operating income to assets | 2.1959% | 264 |
| Return on assets (ROA) | 2.1959% | 274 |
| Pretax return on assets | 2.2305% | 385 |
| Return on Equity (ROE) | 23.8330% | 138 |
| Retained earnings to average equity (ytd only) | 12.2205% | 341 |
| Net charge-offs to loans | 0.0245% | 3,445 |
| Credit loss provision to net charge-offs | 750.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 241.4106% | 296 |
| Efficiency ratio | 57.8108% | 5,144 |
| Assets per employee ($millions) | 3.9086% | 4,065 |
| Cash dividends to net income (ytd only)* | 48.7245% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 2,217 |
| Loan loss allowance to noncurrent loans | 69.6514% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 2,825 |
| Noncurrent loans to loans | 2.1324% | 1,050 |
| Net loans and leases to total assets | 37.4516% | 5,729 |
| Net loans and leases to deposits | 41.6220% | 5,814 |
| Net loans and leases to core deposits | 42.5004% | 5,840 |
| Total domestic deposits to total assets | 89.9805% | 578 |
| Equity capital to assets | 9.6682% | 4,551 |
| Core capital (leverage) ratio | 9.1215% | 4,847 |
| Tier 1 risk-based capital ratio | 19.4878% | 1,664 |
| Total risk-based capital ratio | 20.7399% | 1,636 |
| Memoranda: | ||
| Average total assets | $335,581,250 | 1,968 |
| Average earning assets | $320,027,750 | 1,901 |
| Average equity | $30,920,000 | 2,273 |
| Average total loans | $130,749,250 | 2,894 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9206% | 5,922 |
| Cost of funding earning assets | 0.1971% | 5,459 |
| Net interest margin | 2.7234% | 5,737 |
| Noninterest income to average assets | 3.3042% | 193 |
| Noninterest expense to average assets | 3.2338% | 1,883 |
| Loan and lease loss provision to assets | 0.0716% | 2,682 |
| Net operating income to assets | 2.5779% | 154 |
| Return on assets (ROA) | 2.5779% | 159 |
| Pretax return on assets | 2.5940% | 219 |
| Return on Equity (ROE) | 28.4467% | 80 |
| Retained earnings to average equity (ytd only) | 17.1088% | 120 |
| Net charge-offs to loans | 0.0273% | 3,126 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 248.3333% | 278 |
| Efficiency ratio | 53.9068% | 5,595 |
| Assets per employee ($millions) | 3.9305% | 4,016 |
| Cash dividends to net income (ytd only)* | 39.8566% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 2,515 |
| Loan loss allowance to noncurrent loans | 65.9514% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 2,813 |
| Noncurrent loans to loans | 2.1974% | 1,090 |
| Net loans and leases to total assets | 37.0980% | 5,772 |
| Net loans and leases to deposits | 41.1609% | 5,869 |
| Net loans and leases to core deposits | 41.9699% | 5,897 |
| Total domestic deposits to total assets | 90.1293% | 610 |
| Equity capital to assets | 9.4621% | 4,695 |
| Core capital (leverage) ratio | 9.2317% | 4,644 |
| Tier 1 risk-based capital ratio | 19.4548% | 1,682 |
| Total risk-based capital ratio | 20.7077% | 1,650 |
| Memoranda: | ||
| Average total assets | $335,394,000 | 1,979 |
| Average earning assets | $319,596,330 | 1,922 |
| Average equity | $30,393,670 | 2,311 |
| Average total loans | $131,736,000 | 2,878 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0093% | 5,885 |
| Cost of funding earning assets | 0.2012% | 5,498 |
| Net interest margin | 2.8081% | 5,623 |
| Noninterest income to average assets | 1.7636% | 426 |
| Noninterest expense to average assets | 3.0939% | 2,291 |
| Loan and lease loss provision to assets | 0.0718% | 2,504 |
| Net operating income to assets | 1.2548% | 1,391 |
| Return on assets (ROA) | 1.2548% | 1,478 |
| Pretax return on assets | 1.2715% | 2,384 |
| Return on Equity (ROE) | 14.1629% | 846 |
| Retained earnings to average equity (ytd only) | 2.7974% | 4,286 |
| Net charge-offs to loans | 0.0448% | 2,355 |
| Credit loss provision to net charge-offs | 400.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 74.8000% | 624 |
| Efficiency ratio | 68.5105% | 3,738 |
| Assets per employee ($millions) | 3.8520% | 4,246 |
| Cash dividends to net income (ytd only)* | 80.2481% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 3,138 |
| Loan loss allowance to noncurrent loans | 63.1449% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 2,874 |
| Noncurrent loans to loans | 2.1404% | 1,194 |
| Net loans and leases to total assets | 38.9197% | 5,669 |
| Net loans and leases to deposits | 42.9769% | 5,800 |
| Net loans and leases to core deposits | 43.6493% | 5,851 |
| Total domestic deposits to total assets | 90.5596% | 509 |
| Equity capital to assets | 8.9510% | 5,344 |
| Core capital (leverage) ratio | 8.5096% | 5,507 |
| Tier 1 risk-based capital ratio | 17.6669% | 2,245 |
| Total risk-based capital ratio | 18.9793% | 2,192 |
| Memoranda: | ||
| Average total assets | $334,080,500 | 1,993 |
| Average earning assets | $318,081,500 | 1,937 |
| Average equity | $29,598,500 | 2,382 |
| Average total loans | $133,982,500 | 2,849 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1444% | 5,907 |
| Cost of funding earning assets | 0.2297% | 5,527 |
| Net interest margin | 2.9147% | 5,612 |
| Noninterest income to average assets | 2.5713% | 229 |
| Noninterest expense to average assets | 3.5458% | 1,395 |
| Loan and lease loss provision to assets | 0.0714% | 3,054 |
| Net operating income to assets | 1.6993% | 581 |
| Return on assets (ROA) | 1.7079% | 593 |
| Pretax return on assets | 1.7272% | 927 |
| Return on Equity (ROE) | 20.4489% | 227 |
| Retained earnings to average equity (ytd only) | 7.6086% | 1,154 |
| Net charge-offs to loans | -0.1773% | 6,243 |
| Credit loss provision to net charge-offs | -111.1111% | 5,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4543% | 4,329 |
| Assets per employee ($millions) | 3.8280% | 4,297 |
| Cash dividends to net income (ytd only)* | 62.7919% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 3,523 |
| Loan loss allowance to noncurrent loans | 52.3123% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 2,590 |
| Noncurrent loans to loans | 2.4531% | 1,044 |
| Net loans and leases to total assets | 40.2378% | 5,727 |
| Net loans and leases to deposits | 44.3184% | 5,867 |
| Net loans and leases to core deposits | 45.0776% | 5,923 |
| Total domestic deposits to total assets | 90.7923% | 434 |
| Equity capital to assets | 8.7678% | 5,516 |
| Core capital (leverage) ratio | 8.3514% | 5,725 |
| Tier 1 risk-based capital ratio | 16.8132% | 2,591 |
| Total risk-based capital ratio | 18.0448% | 2,548 |
| Memoranda: | ||
| Average total assets | $335,972,800 | 1,932 |
| Average earning assets | $318,664,200 | 1,881 |
| Average equity | $28,060,200 | 2,404 |
| Average total loans | $121,795,200 | 3,006 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1635% | 5,943 |
| Cost of funding earning assets | 0.2352% | 5,554 |
| Net interest margin | 2.9283% | 5,641 |
| Noninterest income to average assets | 2.5782% | 231 |
| Noninterest expense to average assets | 3.4751% | 1,510 |
| Loan and lease loss provision to assets | 0.0713% | 2,921 |
| Net operating income to assets | 1.7888% | 522 |
| Return on assets (ROA) | 1.7993% | 525 |
| Pretax return on assets | 1.8184% | 856 |
| Return on Equity (ROE) | 21.8127% | 196 |
| Retained earnings to average equity (ytd only) | 8.0741% | 1,323 |
| Net charge-offs to loans | -0.2727% | 6,374 |
| Credit loss provision to net charge-offs | -74.3802% | 5,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9154% | 4,557 |
| Assets per employee ($millions) | 3.7740% | 4,345 |
| Cash dividends to net income (ytd only)* | 62.9840% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 3,558 |
| Loan loss allowance to noncurrent loans | 54.0164% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 2,922 |
| Noncurrent loans to loans | 2.4404% | 1,215 |
| Net loans and leases to total assets | 38.9419% | 5,887 |
| Net loans and leases to deposits | 42.9164% | 6,019 |
| Net loans and leases to core deposits | 43.6280% | 6,055 |
| Total domestic deposits to total assets | 90.7390% | 440 |
| Equity capital to assets | 8.8084% | 5,540 |
| Core capital (leverage) ratio | 8.1176% | 5,997 |
| Tier 1 risk-based capital ratio | 17.0728% | 2,591 |
| Total risk-based capital ratio | 18.3012% | 2,546 |
| Memoranda: | ||
| Average total assets | $336,706,500 | 1,944 |
| Average earning assets | $319,172,000 | 1,884 |
| Average equity | $27,775,250 | 2,435 |
| Average total loans | $118,306,750 | 3,091 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1128% | 6,049 |
| Cost of funding earning assets | 0.2390% | 5,594 |
| Net interest margin | 2.8738% | 5,778 |
| Noninterest income to average assets | 2.4454% | 248 |
| Noninterest expense to average assets | 3.3025% | 1,915 |
| Loan and lease loss provision to assets | 0.0707% | 2,859 |
| Net operating income to assets | 1.7734% | 509 |
| Return on assets (ROA) | 1.7885% | 520 |
| Pretax return on assets | 1.8074% | 829 |
| Return on Equity (ROE) | 22.1660% | 194 |
| Retained earnings to average equity (ytd only) | 8.6444% | 1,098 |
| Net charge-offs to loans | -0.4190% | 6,491 |
| Credit loss provision to net charge-offs | -50.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9106% | 4,871 |
| Assets per employee ($millions) | 3.7223% | 4,412 |
| Cash dividends to net income (ytd only)* | 61.0013% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 3,798 |
| Loan loss allowance to noncurrent loans | 45.3319% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1041% | 2,863 |
| Noncurrent loans to loans | 2.8926% | 1,028 |
| Net loans and leases to total assets | 35.7856% | 6,060 |
| Net loans and leases to deposits | 39.1789% | 6,182 |
| Net loans and leases to core deposits | 39.7994% | 6,228 |
| Total domestic deposits to total assets | 91.3391% | 297 |
| Equity capital to assets | 8.2284% | 6,007 |
| Core capital (leverage) ratio | 7.8998% | 6,158 |
| Tier 1 risk-based capital ratio | 17.3054% | 2,501 |
| Total risk-based capital ratio | 18.5114% | 2,470 |
| Memoranda: | ||
| Average total assets | $339,497,000 | 1,920 |
| Average earning assets | $321,316,000 | 1,874 |
| Average equity | $27,393,330 | 2,449 |
| Average total loans | $114,553,000 | 3,166 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2970% | 5,848 |
| Cost of funding earning assets | 0.2494% | 5,585 |
| Net interest margin | 3.0477% | 5,394 |
| Noninterest income to average assets | 2.4667% | 244 |
| Noninterest expense to average assets | 3.2318% | 2,121 |
| Loan and lease loss provision to assets | 0.0714% | 2,713 |
| Net operating income to assets | 2.0241% | 327 |
| Return on assets (ROA) | 2.0241% | 340 |
| Pretax return on assets | 2.0431% | 486 |
| Return on Equity (ROE) | 25.3431% | 112 |
| Retained earnings to average equity (ytd only) | 20.3818% | 110 |
| Net charge-offs to loans | -0.1247% | 6,206 |
| Credit loss provision to net charge-offs | -176.4706% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4480% | 5,480 |
| Assets per employee ($millions) | 3.9457% | 4,057 |
| Cash dividends to net income (ytd only)* | 19.5767% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,149 |
| Loan loss allowance to noncurrent loans | 46.8591% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 3,540 |
| Noncurrent loans to loans | 2.7641% | 1,214 |
| Net loans and leases to total assets | 30.9918% | 6,307 |
| Net loans and leases to deposits | 33.9233% | 6,372 |
| Net loans and leases to core deposits | 34.8241% | 6,385 |
| Total domestic deposits to total assets | 91.3582% | 431 |
| Equity capital to assets | 8.2074% | 5,904 |
| Core capital (leverage) ratio | 7.8448% | 6,203 |
| Tier 1 risk-based capital ratio | 20.2666% | 1,656 |
| Total risk-based capital ratio | 21.3664% | 1,659 |
| Memoranda: | ||
| Average total assets | $336,156,500 | 1,950 |
| Average earning assets | $317,620,500 | 1,899 |
| Average equity | $26,847,500 | 2,479 |
| Average total loans | $109,065,500 | 3,283 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0856% | 6,261 |
| Cost of funding earning assets | 0.3197% | 5,427 |
| Net interest margin | 2.7660% | 6,037 |
| Noninterest income to average assets | 3.0143% | 229 |
| Noninterest expense to average assets | 4.3957% | 576 |
| Loan and lease loss provision to assets | 0.0692% | 3,750 |
| Net operating income to assets | 1.1062% | 1,917 |
| Return on assets (ROA) | 0.5289% | 4,724 |
| Pretax return on assets | 0.5482% | 5,053 |
| Return on Equity (ROE) | 6.5340% | 3,811 |
| Retained earnings to average equity (ytd only) | -1.2683% | 6,096 |
| Net charge-offs to loans | 0.9479% | 632 |
| Credit loss provision to net charge-offs | 21.9378% | 4,414 |
| Earnings coverage of net charge-offs (x) | 3.8629% | 3,733 |
| Efficiency ratio | 77.3731% | 2,560 |
| Assets per employee ($millions) | 3.7414% | 4,386 |
| Cash dividends to net income (ytd only)* | 119.4111% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 4,900 |
| Loan loss allowance to noncurrent loans | 54.0563% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 3,957 |
| Noncurrent loans to loans | 2.1320% | 1,845 |
| Net loans and leases to total assets | 33.1250% | 6,329 |
| Net loans and leases to deposits | 36.0699% | 6,424 |
| Net loans and leases to core deposits | 37.2712% | 6,438 |
| Total domestic deposits to total assets | 91.8356% | 317 |
| Equity capital to assets | 7.7616% | 6,151 |
| Core capital (leverage) ratio | 7.4868% | 6,376 |
| Tier 1 risk-based capital ratio | 18.5486% | 2,063 |
| Total risk-based capital ratio | 19.6268% | 2,079 |
| Memoranda: | ||
| Average total assets | $346,748,600 | 1,863 |
| Average earning assets | $325,961,800 | 1,818 |
| Average equity | $28,068,600 | 2,375 |
| Average total loans | $115,408,800 | 3,139 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0976% | 6,324 |
| Cost of funding earning assets | 0.3358% | 5,427 |
| Net interest margin | 2.7618% | 6,073 |
| Noninterest income to average assets | 3.3116% | 213 |
| Noninterest expense to average assets | 3.9688% | 887 |
| Loan and lease loss provision to assets | 0.0685% | 3,684 |
| Net operating income to assets | 1.8148% | 508 |
| Return on assets (ROA) | 1.1456% | 1,901 |
| Pretax return on assets | 1.1769% | 2,796 |
| Return on Equity (ROE) | 14.0156% | 993 |
| Retained earnings to average equity (ytd only) | 3.8148% | 3,974 |
| Net charge-offs to loans | 0.9522% | 601 |
| Credit loss provision to net charge-offs | 21.6606% | 4,046 |
| Earnings coverage of net charge-offs (x) | 6.1167% | 3,041 |
| Efficiency ratio | 66.3571% | 4,422 |
| Assets per employee ($millions) | 3.7384% | 4,375 |
| Cash dividends to net income (ytd only)* | 72.7817% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,382 |
| Loan loss allowance to noncurrent loans | 54.6623% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 4,012 |
| Noncurrent loans to loans | 2.3815% | 1,846 |
| Net loans and leases to total assets | 32.1264% | 6,447 |
| Net loans and leases to deposits | 35.0526% | 6,539 |
| Net loans and leases to core deposits | 36.3987% | 6,549 |
| Total domestic deposits to total assets | 91.6519% | 329 |
| Equity capital to assets | 7.7056% | 6,304 |
| Core capital (leverage) ratio | 7.4994% | 6,446 |
| Tier 1 risk-based capital ratio | 18.4556% | 2,158 |
| Total risk-based capital ratio | 19.5929% | 2,162 |
| Memoranda: | ||
| Average total assets | $350,189,750 | 1,863 |
| Average earning assets | $328,715,750 | 1,820 |
| Average equity | $28,624,500 | 2,359 |
| Average total loans | $116,364,250 | 3,136 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1166% | 6,323 |
| Cost of funding earning assets | 0.3472% | 5,433 |
| Net interest margin | 2.7694% | 6,063 |
| Noninterest income to average assets | 3.4953% | 209 |
| Noninterest expense to average assets | 4.0385% | 831 |
| Loan and lease loss provision to assets | 0.0686% | 3,671 |
| Net operating income to assets | 1.9561% | 382 |
| Return on assets (ROA) | 1.9561% | 412 |
| Pretax return on assets | 1.9875% | 623 |
| Return on Equity (ROE) | 23.4798% | 157 |
| Retained earnings to average equity (ytd only) | 11.5374% | 561 |
| Net charge-offs to loans | 1.0169% | 595 |
| Credit loss provision to net charge-offs | 20.1681% | 3,730 |
| Earnings coverage of net charge-offs (x) | 6.0437% | 2,780 |
| Efficiency ratio | 65.4189% | 4,647 |
| Assets per employee ($millions) | 3.6841% | 4,430 |
| Cash dividends to net income (ytd only)* | 50.8623% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 3,235 |
| Loan loss allowance to noncurrent loans | 55.1325% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 3,767 |
| Noncurrent loans to loans | 2.8603% | 1,578 |
| Net loans and leases to total assets | 30.0080% | 6,578 |
| Net loans and leases to deposits | 32.7706% | 6,643 |
| Net loans and leases to core deposits | 34.0144% | 6,650 |
| Total domestic deposits to total assets | 91.5698% | 353 |
| Equity capital to assets | 7.7314% | 6,349 |
| Core capital (leverage) ratio | 7.9660% | 6,211 |
| Tier 1 risk-based capital ratio | 19.0928% | 1,972 |
| Total risk-based capital ratio | 20.3258% | 1,934 |
| Memoranda: | ||
| Average total assets | $349,783,330 | 1,866 |
| Average earning assets | $328,304,670 | 1,824 |
| Average equity | $29,140,000 | 2,332 |
| Average total loans | $117,024,330 | 3,126 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1999% | 6,294 |
| Cost of funding earning assets | 0.3626% | 5,431 |
| Net interest margin | 2.8373% | 5,950 |
| Noninterest income to average assets | 3.6959% | 200 |
| Noninterest expense to average assets | 4.0714% | 818 |
| Loan and lease loss provision to assets | 0.0683% | 3,493 |
| Net operating income to assets | 2.1791% | 253 |
| Return on assets (ROA) | 2.1791% | 277 |
| Pretax return on assets | 2.2098% | 413 |
| Return on Equity (ROE) | 25.2614% | 120 |
| Retained earnings to average equity (ytd only) | 11.2654% | 822 |
| Net charge-offs to loans | 1.9520% | 242 |
| Credit loss provision to net charge-offs | 10.0167% | 3,143 |
| Earnings coverage of net charge-offs (x) | 3.3422% | 2,783 |
| Efficiency ratio | 63.3154% | 5,115 |
| Assets per employee ($millions) | 3.7875% | 4,378 |
| Cash dividends to net income (ytd only)* | 55.4047% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 4,387 |
| Loan loss allowance to noncurrent loans | 44.3122% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 1.3510% | 3,254 |
| Noncurrent loans to loans | 3.0875% | 1,616 |
| Net loans and leases to total assets | 32.4192% | 6,493 |
| Net loans and leases to deposits | 35.7162% | 6,582 |
| Net loans and leases to core deposits | 37.6615% | 6,572 |
| Total domestic deposits to total assets | 90.7689% | 632 |
| Equity capital to assets | 8.5430% | 5,978 |
| Core capital (leverage) ratio | 7.5712% | 6,438 |
| Tier 1 risk-based capital ratio | 16.5909% | 2,956 |
| Total risk-based capital ratio | 17.6293% | 3,018 |
| Memoranda: | ||
| Average total assets | $351,523,000 | 1,884 |
| Average earning assets | $328,759,500 | 1,843 |
| Average equity | $30,323,000 | 2,275 |
| Average total loans | $122,744,500 | 3,031 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 6,107 |
| Cost of funding earning assets | 0.4742% | 5,389 |
| Net interest margin | 3.1927% | 5,586 |
| Noninterest income to average assets | 4.4528% | 165 |
| Noninterest expense to average assets | 4.9303% | 393 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.4738% | 156 |
| Return on assets (ROA) | 2.8789% | 110 |
| Pretax return on assets | 2.9100% | 152 |
| Return on Equity (ROE) | 29.2501% | 73 |
| Retained earnings to average equity (ytd only) | -4.8785% | 6,414 |
| Net charge-offs to loans | 0.4074% | 2,627 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 16.6199% | 1,571 |
| Efficiency ratio | 65.6404% | 4,575 |
| Assets per employee ($millions) | 3.5775% | 4,837 |
| Cash dividends to net income (ytd only)* | 116.6786% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 3,062 |
| Loan loss allowance to noncurrent loans | 57.8066% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.4417% | 3,227 |
| Noncurrent loans to loans | 2.8817% | 1,816 |
| Net loans and leases to total assets | 36.4035% | 6,403 |
| Net loans and leases to deposits | 40.1449% | 6,544 |
| Net loans and leases to core deposits | 42.6199% | 6,520 |
| Total domestic deposits to total assets | 90.6801% | 619 |
| Equity capital to assets | 8.7116% | 5,840 |
| Core capital (leverage) ratio | 7.4366% | 6,527 |
| Tier 1 risk-based capital ratio | 15.4846% | 3,432 |
| Total risk-based capital ratio | 16.7293% | 3,398 |
| Memoranda: | ||
| Average total assets | $340,929,600 | 1,900 |
| Average earning assets | $318,037,800 | 1,862 |
| Average equity | $33,555,400 | 2,057 |
| Average total loans | $125,909,600 | 2,958 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 6,210 |
| Cost of funding earning assets | 0.4968% | 5,452 |
| Net interest margin | 3.2087% | 5,680 |
| Noninterest income to average assets | 4.3102% | 170 |
| Noninterest expense to average assets | 4.6896% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.5922% | 154 |
| Return on assets (ROA) | 2.7007% | 149 |
| Pretax return on assets | 2.7314% | 205 |
| Return on Equity (ROE) | 26.6571% | 116 |
| Retained earnings to average equity (ytd only) | 7.2779% | 1,957 |
| Net charge-offs to loans | 0.2437% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 29.1437% | 1,122 |
| Efficiency ratio | 63.4214% | 4,903 |
| Assets per employee ($millions) | 3.6526% | 4,651 |
| Cash dividends to net income (ytd only)* | 72.6981% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 2,357 |
| Loan loss allowance to noncurrent loans | 47.3345% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.5192% | 3,301 |
| Noncurrent loans to loans | 4.1011% | 1,231 |
| Net loans and leases to total assets | 34.9198% | 6,617 |
| Net loans and leases to deposits | 39.1286% | 6,712 |
| Net loans and leases to core deposits | 41.4924% | 6,686 |
| Total domestic deposits to total assets | 89.2439% | 1,287 |
| Equity capital to assets | 10.0985% | 4,355 |
| Core capital (leverage) ratio | 8.4989% | 5,756 |
| Tier 1 risk-based capital ratio | 17.9851% | 2,358 |
| Total risk-based capital ratio | 19.2326% | 2,334 |
| Memoranda: | ||
| Average total assets | $339,406,500 | 1,919 |
| Average earning assets | $317,458,500 | 1,887 |
| Average equity | $34,386,500 | 2,028 |
| Average total loans | $125,270,000 | 3,011 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 6,285 |
| Cost of funding earning assets | 0.5195% | 5,485 |
| Net interest margin | 3.2120% | 5,698 |
| Noninterest income to average assets | 3.9522% | 185 |
| Noninterest expense to average assets | 4.5040% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.4249% | 196 |
| Return on assets (ROA) | 2.5895% | 173 |
| Pretax return on assets | 2.6205% | 254 |
| Return on Equity (ROE) | 25.5307% | 139 |
| Retained earnings to average equity (ytd only) | 12.1544% | 559 |
| Net charge-offs to loans | 0.3477% | 2,626 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 18.8945% | 1,462 |
| Efficiency ratio | 63.9579% | 4,912 |
| Assets per employee ($millions) | 3.5766% | 4,798 |
| Cash dividends to net income (ytd only)* | 52.3930% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9608% | 2,339 |
| Loan loss allowance to noncurrent loans | 44.3615% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 1.6915% | 3,181 |
| Noncurrent loans to loans | 4.4201% | 1,209 |
| Net loans and leases to total assets | 35.4581% | 6,643 |
| Net loans and leases to deposits | 39.7816% | 6,737 |
| Net loans and leases to core deposits | 42.5246% | 6,711 |
| Total domestic deposits to total assets | 89.1320% | 1,431 |
| Equity capital to assets | 10.2034% | 4,048 |
| Core capital (leverage) ratio | 8.9059% | 5,039 |
| Tier 1 risk-based capital ratio | 18.5148% | 2,131 |
| Total risk-based capital ratio | 19.7537% | 2,089 |
| Memoranda: | ||
| Average total assets | $335,660,000 | 1,939 |
| Average earning assets | $314,129,670 | 1,903 |
| Average equity | $34,045,330 | 2,034 |
| Average total loans | $125,403,670 | 3,021 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8413% | 6,162 |
| Cost of funding earning assets | 0.5449% | 5,533 |
| Net interest margin | 3.2965% | 5,494 |
| Noninterest income to average assets | 4.3627% | 153 |
| Noninterest expense to average assets | 4.5713% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.8435% | 119 |
| Return on assets (ROA) | 3.1765% | 106 |
| Pretax return on assets | 3.2054% | 155 |
| Return on Equity (ROE) | 31.4149% | 92 |
| Retained earnings to average equity (ytd only) | 15.4273% | 410 |
| Net charge-offs to loans | -0.0032% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7097% | 5,504 |
| Assets per employee ($millions) | 3.5654% | 4,965 |
| Cash dividends to net income (ytd only)* | 50.8918% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 1,904 |
| Loan loss allowance to noncurrent loans | 48.5636% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.7721% | 3,210 |
| Noncurrent loans to loans | 4.5060% | 1,296 |
| Net loans and leases to total assets | 35.3963% | 6,664 |
| Net loans and leases to deposits | 39.7213% | 6,749 |
| Net loans and leases to core deposits | 42.4988% | 6,721 |
| Total domestic deposits to total assets | 89.1116% | 1,631 |
| Equity capital to assets | 10.1631% | 3,897 |
| Core capital (leverage) ratio | 8.7121% | 5,274 |
| Tier 1 risk-based capital ratio | 18.3072% | 2,203 |
| Total risk-based capital ratio | 19.5523% | 2,175 |
| Memoranda: | ||
| Average total assets | $331,811,500 | 1,964 |
| Average earning assets | $309,787,000 | 1,929 |
| Average equity | $33,551,000 | 2,067 |
| Average total loans | $126,014,000 | 3,024 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 5,978 |
| Cost of funding earning assets | 0.7242% | 5,379 |
| Net interest margin | 3.5054% | 5,127 |
| Noninterest income to average assets | 2.9882% | 211 |
| Noninterest expense to average assets | 3.8600% | 1,238 |
| Loan and lease loss provision to assets | 0.1759% | 4,429 |
| Net operating income to assets | 2.1944% | 229 |
| Return on assets (ROA) | 2.2485% | 220 |
| Pretax return on assets | 2.2676% | 323 |
| Return on Equity (ROE) | 24.7720% | 111 |
| Retained earnings to average equity (ytd only) | 10.4310% | 484 |
| Net charge-offs to loans | 0.3766% | 3,526 |
| Credit loss provision to net charge-offs | 113.3201% | 2,902 |
| Earnings coverage of net charge-offs (x) | 15.3897% | 1,395 |
| Efficiency ratio | 60.8870% | 5,622 |
| Assets per employee ($millions) | 3.4944% | 5,026 |
| Cash dividends to net income (ytd only)* | 57.8918% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0291% | 2,187 |
| Loan loss allowance to noncurrent loans | 48.7773% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 1.9402% | 3,053 |
| Noncurrent loans to loans | 4.1600% | 1,478 |
| Net loans and leases to total assets | 38.9956% | 6,600 |
| Net loans and leases to deposits | 43.8572% | 6,727 |
| Net loans and leases to core deposits | 47.8018% | 6,652 |
| Total domestic deposits to total assets | 88.9149% | 1,601 |
| Equity capital to assets | 10.0588% | 4,091 |
| Core capital (leverage) ratio | 8.5059% | 5,548 |
| Tier 1 risk-based capital ratio | 16.4607% | 2,839 |
| Total risk-based capital ratio | 17.7049% | 2,808 |
| Memoranda: | ||
| Average total assets | $324,041,200 | 1,987 |
| Average earning assets | $301,424,800 | 1,948 |
| Average equity | $29,412,200 | 2,235 |
| Average total loans | $133,554,200 | 2,932 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 6,107 |
| Cost of funding earning assets | 0.7613% | 5,388 |
| Net interest margin | 3.4804% | 5,266 |
| Noninterest income to average assets | 2.7320% | 242 |
| Noninterest expense to average assets | 3.6721% | 1,562 |
| Loan and lease loss provision to assets | 0.2106% | 3,921 |
| Net operating income to assets | 2.0714% | 307 |
| Return on assets (ROA) | 2.0714% | 328 |
| Pretax return on assets | 2.0904% | 527 |
| Return on Equity (ROE) | 23.4667% | 178 |
| Retained earnings to average equity (ytd only) | 9.6402% | 942 |
| Net charge-offs to loans | 0.4012% | 3,113 |
| Credit loss provision to net charge-offs | 126.2376% | 2,539 |
| Earnings coverage of net charge-offs (x) | 13.7946% | 1,589 |
| Efficiency ratio | 60.5516% | 5,630 |
| Assets per employee ($millions) | 3.4500% | 5,121 |
| Cash dividends to net income (ytd only)* | 58.9196% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 2,310 |
| Loan loss allowance to noncurrent loans | 46.3259% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 2.1967% | 2,895 |
| Noncurrent loans to loans | 4.3391% | 1,506 |
| Net loans and leases to total assets | 40.9010% | 6,570 |
| Net loans and leases to deposits | 45.6886% | 6,749 |
| Net loans and leases to core deposits | 49.1384% | 6,706 |
| Total domestic deposits to total assets | 89.5212% | 1,133 |
| Equity capital to assets | 9.4434% | 5,172 |
| Core capital (leverage) ratio | 8.2142% | 6,118 |
| Tier 1 risk-based capital ratio | 15.4497% | 3,415 |
| Total risk-based capital ratio | 16.6876% | 3,394 |
| Memoranda: | ||
| Average total assets | $322,932,000 | 1,997 |
| Average earning assets | $300,723,750 | 1,954 |
| Average equity | $28,505,000 | 2,303 |
| Average total loans | $134,256,500 | 2,936 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 6,303 |
| Cost of funding earning assets | 0.7872% | 5,461 |
| Net interest margin | 3.4008% | 5,554 |
| Noninterest income to average assets | 2.4151% | 284 |
| Noninterest expense to average assets | 3.4404% | 2,152 |
| Loan and lease loss provision to assets | 0.2781% | 3,156 |
| Net operating income to assets | 1.8466% | 450 |
| Return on assets (ROA) | 1.8466% | 478 |
| Pretax return on assets | 1.8657% | 763 |
| Return on Equity (ROE) | 21.4140% | 256 |
| Retained earnings to average equity (ytd only) | 7.7615% | 1,547 |
| Net charge-offs to loans | 0.4957% | 2,617 |
| Credit loss provision to net charge-offs | 135.1351% | 2,254 |
| Earnings coverage of net charge-offs (x) | 10.4174% | 1,814 |
| Efficiency ratio | 60.6131% | 5,782 |
| Assets per employee ($millions) | 3.4420% | 5,099 |
| Cash dividends to net income (ytd only)* | 63.7550% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0670% | 2,190 |
| Loan loss allowance to noncurrent loans | 46.6839% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 2.1453% | 3,056 |
| Noncurrent loans to loans | 4.4276% | 1,510 |
| Net loans and leases to total assets | 39.5827% | 6,777 |
| Net loans and leases to deposits | 44.0968% | 6,919 |
| Net loans and leases to core deposits | 47.5171% | 6,879 |
| Total domestic deposits to total assets | 89.7634% | 1,088 |
| Equity capital to assets | 8.9706% | 5,622 |
| Core capital (leverage) ratio | 7.9717% | 6,334 |
| Tier 1 risk-based capital ratio | 15.0637% | 3,459 |
| Total risk-based capital ratio | 16.3082% | 3,432 |
| Memoranda: | ||
| Average total assets | $323,626,670 | 2,002 |
| Average earning assets | $301,572,000 | 1,966 |
| Average equity | $27,907,000 | 2,319 |
| Average total loans | $134,368,000 | 2,954 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 6,481 |
| Cost of funding earning assets | 0.8170% | 5,482 |
| Net interest margin | 3.2947% | 5,798 |
| Noninterest income to average assets | 2.4989% | 263 |
| Noninterest expense to average assets | 3.3985% | 2,284 |
| Loan and lease loss provision to assets | 0.3708% | 2,334 |
| Net operating income to assets | 1.7796% | 508 |
| Return on assets (ROA) | 1.7796% | 538 |
| Pretax return on assets | 1.7994% | 819 |
| Return on Equity (ROE) | 21.0615% | 288 |
| Retained earnings to average equity (ytd only) | 7.1375% | 2,086 |
| Net charge-offs to loans | 0.5670% | 2,069 |
| Credit loss provision to net charge-offs | 155.4404% | 1,844 |
| Earnings coverage of net charge-offs (x) | 9.0984% | 1,764 |
| Efficiency ratio | 60.0311% | 5,980 |
| Assets per employee ($millions) | 3.4270% | 5,170 |
| Cash dividends to net income (ytd only)* | 66.1111% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 2,246 |
| Loan loss allowance to noncurrent loans | 52.8869% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.9743% | 3,348 |
| Noncurrent loans to loans | 3.9158% | 1,874 |
| Net loans and leases to total assets | 39.5306% | 6,807 |
| Net loans and leases to deposits | 43.8367% | 6,962 |
| Net loans and leases to core deposits | 47.2928% | 6,909 |
| Total domestic deposits to total assets | 90.1769% | 1,041 |
| Equity capital to assets | 8.6754% | 5,684 |
| Core capital (leverage) ratio | 7.5641% | 6,687 |
| Tier 1 risk-based capital ratio | 14.9098% | 3,471 |
| Total risk-based capital ratio | 16.1545% | 3,443 |
| Memoranda: | ||
| Average total assets | $323,667,500 | 2,017 |
| Average earning assets | $301,574,500 | 1,978 |
| Average equity | $27,348,500 | 2,345 |
| Average total loans | $136,166,500 | 2,963 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 6,340 |
| Cost of funding earning assets | 1.0155% | 5,611 |
| Net interest margin | 3.5042% | 5,232 |
| Noninterest income to average assets | 3.5026% | 194 |
| Noninterest expense to average assets | 4.2048% | 899 |
| Loan and lease loss provision to assets | 0.4573% | 3,382 |
| Net operating income to assets | 2.0203% | 275 |
| Return on assets (ROA) | 2.0394% | 277 |
| Pretax return on assets | 2.0629% | 423 |
| Return on Equity (ROE) | 23.8264% | 120 |
| Retained earnings to average equity (ytd only) | 8.1164% | 949 |
| Net charge-offs to loans | 0.6525% | 3,049 |
| Credit loss provision to net charge-offs | 162.2248% | 2,141 |
| Earnings coverage of net charge-offs (x) | 8.8725% | 1,909 |
| Efficiency ratio | 61.8333% | 5,754 |
| Assets per employee ($millions) | 3.4595% | 5,028 |
| Cash dividends to net income (ytd only)* | 65.9353% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 2,806 |
| Loan loss allowance to noncurrent loans | 57.0609% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.0944% | 3,230 |
| Noncurrent loans to loans | 3.1849% | 2,390 |
| Net loans and leases to total assets | 42.9619% | 6,796 |
| Net loans and leases to deposits | 47.4654% | 6,976 |
| Net loans and leases to core deposits | 51.2287% | 6,937 |
| Total domestic deposits to total assets | 90.5122% | 825 |
| Equity capital to assets | 8.2258% | 6,233 |
| Core capital (leverage) ratio | 7.4179% | 6,770 |
| Tier 1 risk-based capital ratio | 13.8356% | 3,973 |
| Total risk-based capital ratio | 15.0791% | 3,957 |
| Memoranda: | ||
| Average total assets | $306,173,600 | 2,124 |
| Average earning assets | $279,865,400 | 2,109 |
| Average equity | $26,206,200 | 2,439 |
| Average total loans | $132,259,000 | 3,079 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 6,270 |
| Cost of funding earning assets | 1.0556% | 5,674 |
| Net interest margin | 3.5690% | 5,025 |
| Noninterest income to average assets | 3.1950% | 211 |
| Noninterest expense to average assets | 3.9559% | 1,109 |
| Loan and lease loss provision to assets | 0.1548% | 5,491 |
| Net operating income to assets | 2.3106% | 188 |
| Return on assets (ROA) | 2.3365% | 189 |
| Pretax return on assets | 2.3603% | 291 |
| Return on Equity (ROE) | 27.0135% | 77 |
| Retained earnings to average equity (ytd only) | 11.5224% | 524 |
| Net charge-offs to loans | 0.3175% | 4,069 |
| Credit loss provision to net charge-offs | 113.2686% | 3,701 |
| Earnings coverage of net charge-offs (x) | 18.2103% | 1,279 |
| Efficiency ratio | 60.4598% | 5,880 |
| Assets per employee ($millions) | 3.3604% | 5,296 |
| Cash dividends to net income (ytd only)* | 57.3458% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,962 |
| Loan loss allowance to noncurrent loans | 48.8660% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.9197% | 3,586 |
| Noncurrent loans to loans | 3.0703% | 2,602 |
| Net loans and leases to total assets | 42.5337% | 6,948 |
| Net loans and leases to deposits | 47.1461% | 7,121 |
| Net loans and leases to core deposits | 50.7454% | 7,093 |
| Total domestic deposits to total assets | 90.2169% | 769 |
| Equity capital to assets | 8.6368% | 6,119 |
| Core capital (leverage) ratio | 7.6476% | 6,724 |
| Tier 1 risk-based capital ratio | 14.1726% | 3,708 |
| Total risk-based capital ratio | 15.4122% | 3,686 |
| Memoranda: | ||
| Average total assets | $301,418,250 | 2,176 |
| Average earning assets | $274,464,750 | 2,183 |
| Average equity | $26,070,250 | 2,490 |
| Average total loans | $129,749,750 | 3,170 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 6,275 |
| Cost of funding earning assets | 1.0889% | 5,740 |
| Net interest margin | 3.5711% | 4,943 |
| Noninterest income to average assets | 2.7830% | 234 |
| Noninterest expense to average assets | 3.7512% | 1,447 |
| Loan and lease loss provision to assets | 0.1359% | 5,531 |
| Net operating income to assets | 2.0938% | 281 |
| Return on assets (ROA) | 2.1334% | 285 |
| Pretax return on assets | 2.1579% | 441 |
| Return on Equity (ROE) | 24.6536% | 131 |
| Retained earnings to average equity (ytd only) | 9.3668% | 990 |
| Net charge-offs to loans | 0.4835% | 3,089 |
| Credit loss provision to net charge-offs | 65.3595% | 5,091 |
| Earnings coverage of net charge-offs (x) | 10.8399% | 1,833 |
| Efficiency ratio | 61.4506% | 5,777 |
| Assets per employee ($millions) | 3.3363% | 5,339 |
| Cash dividends to net income (ytd only)* | 62.0064% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 3,840 |
| Loan loss allowance to noncurrent loans | 45.4822% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 1.9847% | 3,514 |
| Noncurrent loans to loans | 3.3319% | 2,398 |
| Net loans and leases to total assets | 41.1381% | 7,091 |
| Net loans and leases to deposits | 45.7134% | 7,262 |
| Net loans and leases to core deposits | 49.2776% | 7,243 |
| Total domestic deposits to total assets | 89.9913% | 922 |
| Equity capital to assets | 8.6990% | 5,887 |
| Core capital (leverage) ratio | 7.6828% | 6,634 |
| Tier 1 risk-based capital ratio | 14.3293% | 3,525 |
| Total risk-based capital ratio | 15.4249% | 3,576 |
| Memoranda: | ||
| Average total assets | $294,359,000 | 2,240 |
| Average earning assets | $265,578,670 | 2,264 |
| Average equity | $25,473,000 | 2,544 |
| Average total loans | $126,565,670 | 3,267 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 5,938 |
| Cost of funding earning assets | 1.1325% | 5,748 |
| Net interest margin | 3.6537% | 4,470 |
| Noninterest income to average assets | 2.4980% | 258 |
| Noninterest expense to average assets | 3.7533% | 1,408 |
| Loan and lease loss provision to assets | 0.0833% | 5,806 |
| Net operating income to assets | 1.8843% | 417 |
| Return on assets (ROA) | 1.8843% | 454 |
| Pretax return on assets | 1.9093% | 723 |
| Return on Equity (ROE) | 21.8352% | 283 |
| Retained earnings to average equity (ytd only) | 9.3326% | 1,308 |
| Net charge-offs to loans | 0.3022% | 3,210 |
| Credit loss provision to net charge-offs | 63.1579% | 4,239 |
| Earnings coverage of net charge-offs (x) | 15.1053% | 1,396 |
| Efficiency ratio | 64.2339% | 5,449 |
| Assets per employee ($millions) | 3.2476% | 5,658 |
| Cash dividends to net income (ytd only)* | 57.2587% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 3,291 |
| Loan loss allowance to noncurrent loans | 72.4200% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.5984% | 4,095 |
| Noncurrent loans to loans | 2.2644% | 3,437 |
| Net loans and leases to total assets | 41.7940% | 7,140 |
| Net loans and leases to deposits | 46.5022% | 7,313 |
| Net loans and leases to core deposits | 50.0439% | 7,281 |
| Total domestic deposits to total assets | 89.8754% | 1,054 |
| Equity capital to assets | 8.6891% | 5,747 |
| Core capital (leverage) ratio | 7.7085% | 6,615 |
| Tier 1 risk-based capital ratio | 14.5898% | 3,327 |
| Total risk-based capital ratio | 15.8408% | 3,287 |
| Memoranda: | ||
| Average total assets | $288,066,500 | 2,328 |
| Average earning assets | $256,066,000 | 2,390 |
| Average equity | $24,859,000 | 2,621 |
| Average total loans | $125,741,500 | 3,351 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4083% | 4,663 |
| Cost of funding earning assets | 1.4379% | 5,773 |
| Net interest margin | 3.9704% | 2,984 |
| Noninterest income to average assets | 3.8462% | 176 |
| Noninterest expense to average assets | 4.6364% | 692 |
| Loan and lease loss provision to assets | 0.1049% | 6,586 |
| Net operating income to assets | 2.6038% | 80 |
| Return on assets (ROA) | 2.6639% | 80 |
| Pretax return on assets | 2.6884% | 128 |
| Return on Equity (ROE) | 26.0539% | 81 |
| Retained earnings to average equity (ytd only) | 9.4298% | 440 |
| Net charge-offs to loans | 0.1892% | 5,468 |
| Credit loss provision to net charge-offs | 110.0917% | 5,001 |
| Earnings coverage of net charge-offs (x) | 28.6789% | 797 |
| Efficiency ratio | 62.3310% | 6,099 |
| Assets per employee ($millions) | 3.1549% | 5,846 |
| Cash dividends to net income (ytd only)* | 63.8064% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,314 |
| Loan loss allowance to noncurrent loans | 38.1209% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 2.5532% | 2,738 |
| Noncurrent loans to loans | 4.1774% | 1,748 |
| Net loans and leases to total assets | 44.1037% | 7,114 |
| Net loans and leases to deposits | 48.8952% | 7,318 |
| Net loans and leases to core deposits | 58.1806% | 7,338 |
| Total domestic deposits to total assets | 90.2004% | 883 |
| Equity capital to assets | 8.5697% | 5,767 |
| Core capital (leverage) ratio | 7.8603% | 6,372 |
| Tier 1 risk-based capital ratio | 13.6507% | 3,720 |
| Total risk-based capital ratio | 14.9009% | 3,658 |
| Memoranda: | ||
| Average total assets | $228,797,200 | 2,837 |
| Average earning assets | $203,002,600 | 2,931 |
| Average equity | $23,393,800 | 2,791 |
| Average total loans | $115,205,600 | 3,575 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4881% | 4,477 |
| Cost of funding earning assets | 1.4899% | 5,862 |
| Net interest margin | 3.9981% | 2,835 |
| Noninterest income to average assets | 4.0455% | 167 |
| Noninterest expense to average assets | 4.3592% | 854 |
| Loan and lease loss provision to assets | 0.1120% | 6,246 |
| Net operating income to assets | 3.1382% | 57 |
| Return on assets (ROA) | 3.1449% | 62 |
| Pretax return on assets | 3.1686% | 93 |
| Return on Equity (ROE) | 29.1759% | 67 |
| Retained earnings to average equity (ytd only) | 10.8840% | 487 |
| Net charge-offs to loans | 0.1049% | 5,623 |
| Credit loss provision to net charge-offs | 204.5455% | 2,175 |
| Earnings coverage of net charge-offs (x) | 59.7729% | 550 |
| Efficiency ratio | 56.9961% | 6,874 |
| Assets per employee ($millions) | 2.9896% | 6,187 |
| Cash dividends to net income (ytd only)* | 62.6954% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 2,573 |
| Loan loss allowance to noncurrent loans | 34.8405% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 2.4835% | 2,780 |
| Noncurrent loans to loans | 4.9229% | 1,362 |
| Net loans and leases to total assets | 43.6724% | 7,267 |
| Net loans and leases to deposits | 49.0576% | 7,455 |
| Net loans and leases to core deposits | 57.8652% | 7,472 |
| Total domestic deposits to total assets | 89.0226% | 1,180 |
| Equity capital to assets | 8.6478% | 6,036 |
| Core capital (leverage) ratio | 7.7558% | 6,659 |
| Tier 1 risk-based capital ratio | 13.7115% | 3,704 |
| Total risk-based capital ratio | 14.9634% | 3,654 |
| Memoranda: | ||
| Average total assets | $214,223,000 | 3,035 |
| Average earning assets | $192,217,500 | 3,089 |
| Average equity | $23,091,500 | 2,843 |
| Average total loans | $111,840,000 | 3,695 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7194% | 3,439 |
| Cost of funding earning assets | 1.5283% | 6,026 |
| Net interest margin | 4.1911% | 2,030 |
| Noninterest income to average assets | 4.5732% | 146 |
| Noninterest expense to average assets | 4.5472% | 743 |
| Loan and lease loss provision to assets | 0.1555% | 5,516 |
| Net operating income to assets | 3.6394% | 39 |
| Return on assets (ROA) | 3.6538% | 42 |
| Pretax return on assets | 3.6797% | 62 |
| Return on Equity (ROE) | 30.9564% | 65 |
| Retained earnings to average equity (ytd only) | 12.6723% | 362 |
| Net charge-offs to loans | 0.0889% | 5,300 |
| Credit loss provision to net charge-offs | 312.5000% | 1,492 |
| Earnings coverage of net charge-offs (x) | 76.7917% | 501 |
| Efficiency ratio | 54.2301% | 7,306 |
| Assets per employee ($millions) | 2.9076% | 6,365 |
| Cash dividends to net income (ytd only)* | 59.0638% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9791% | 1,612 |
| Loan loss allowance to noncurrent loans | 391.3603% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 5,544 |
| Noncurrent loans to loans | 0.5057% | 6,263 |
| Net loans and leases to total assets | 54.1271% | 6,434 |
| Net loans and leases to deposits | 63.0637% | 6,650 |
| Net loans and leases to core deposits | 75.0712% | 6,729 |
| Total domestic deposits to total assets | 85.8293% | 2,872 |
| Equity capital to assets | 11.9737% | 2,221 |
| Core capital (leverage) ratio | 11.8281% | 1,906 |
| Tier 1 risk-based capital ratio | 18.9912% | 1,781 |
| Total risk-based capital ratio | 20.2047% | 1,745 |
| Memoranda: | ||
| Average total assets | $192,952,000 | 3,307 |
| Average earning assets | $174,705,000 | 3,336 |
| Average equity | $22,774,000 | 2,878 |
| Average total loans | $107,938,670 | 3,814 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9341% | 2,629 |
| Cost of funding earning assets | 1.6061% | 6,012 |
| Net interest margin | 4.3280% | 1,521 |
| Noninterest income to average assets | 4.5182% | 146 |
| Noninterest expense to average assets | 4.2266% | 917 |
| Loan and lease loss provision to assets | 0.2500% | 3,970 |
| Net operating income to assets | 3.8767% | 37 |
| Return on assets (ROA) | 3.8870% | 41 |
| Pretax return on assets | 3.9141% | 64 |
| Return on Equity (ROE) | 33.1763% | 71 |
| Retained earnings to average equity (ytd only) | 15.2902% | 385 |
| Net charge-offs to loans | -0.0370% | 7,617 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3107% | 7,568 |
| Assets per employee ($millions) | 2.9400% | 6,317 |
| Cash dividends to net income (ytd only)* | 53.9121% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1021% | 1,232 |
| Loan loss allowance to noncurrent loans | 239.9333% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 5,326 |
| Noncurrent loans to loans | 0.8761% | 5,264 |
| Net loans and leases to total assets | 53.3883% | 6,538 |
| Net loans and leases to deposits | 62.2372% | 6,717 |
| Net loans and leases to core deposits | 73.6834% | 6,822 |
| Total domestic deposits to total assets | 85.7820% | 2,833 |
| Equity capital to assets | 12.1193% | 2,188 |
| Core capital (leverage) ratio | 11.5826% | 2,099 |
| Tier 1 risk-based capital ratio | 19.2044% | 1,772 |
| Total risk-based capital ratio | 20.4623% | 1,735 |
| Memoranda: | ||
| Average total assets | $192,023,000 | 3,333 |
| Average earning assets | $171,348,000 | 3,400 |
| Average equity | $22,498,000 | 2,921 |
| Average total loans | $108,121,000 | 3,834 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0891% | 5,104 |
| Cost of funding earning assets | 2.1562% | 5,801 |
| Net interest margin | 3.9329% | 3,432 |
| Noninterest income to average assets | 1.8947% | 377 |
| Noninterest expense to average assets | 3.2568% | 3,133 |
| Loan and lease loss provision to assets | 0.0672% | 6,552 |
| Net operating income to assets | 2.1695% | 256 |
| Return on assets (ROA) | 2.2670% | 205 |
| Pretax return on assets | 2.2939% | 319 |
| Return on Equity (ROE) | 20.2518% | 351 |
| Retained earnings to average equity (ytd only) | 4.4598% | 2,354 |
| Net charge-offs to loans | 0.1111% | 5,163 |
| Credit loss provision to net charge-offs | 103.3058% | 5,173 |
| Earnings coverage of net charge-offs (x) | 34.7603% | 1,048 |
| Efficiency ratio | 58.8304% | 6,551 |
| Assets per employee ($millions) | 3.3201% | 5,162 |
| Cash dividends to net income (ytd only)* | 77.9782% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 1,666 |
| Loan loss allowance to noncurrent loans | 178.4331% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 4,885 |
| Noncurrent loans to loans | 0.9998% | 4,597 |
| Net loans and leases to total assets | 56.9733% | 6,338 |
| Net loans and leases to deposits | 65.8724% | 6,656 |
| Net loans and leases to core deposits | 78.6510% | 6,715 |
| Total domestic deposits to total assets | 86.4904% | 2,170 |
| Equity capital to assets | 11.3292% | 2,774 |
| Core capital (leverage) ratio | 10.8589% | 2,702 |
| Tier 1 risk-based capital ratio | 16.8986% | 2,342 |
| Total risk-based capital ratio | 18.1532% | 2,289 |
| Memoranda: | ||
| Average total assets | $185,887,200 | 3,326 |
| Average earning assets | $171,323,400 | 3,318 |
| Average equity | $20,808,000 | 3,119 |
| Average total loans | $108,942,200 | 3,704 |