Home > TexStar National Bank > Performance and Condition Ratios
TexStar National Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1516% | 3,553 |
| Cost of funding earning assets | 0.3830% | 1,416 |
| Net interest margin | 2.7687% | 3,805 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.5527% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2201% | 4,456 |
| Return on assets (ROA) | 0.2201% | 4,422 |
| Pretax return on assets | 0.2201% | 4,447 |
| Return on Equity (ROE) | 2.4500% | 4,363 |
| Retained earnings to average equity (ytd only) | -9.0340% | 4,664 |
| Net charge-offs to loans | -0.0051% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.7233% | 282 |
| Assets per employee ($millions) | 11.3448% | 464 |
| Cash dividends to net income (ytd only)* | 469.0608% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8416% | 153 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.4400% | 3,425 |
| Net loans and leases to deposits | 55.8609% | 3,491 |
| Net loans and leases to core deposits | 59.5261% | 3,420 |
| Total domestic deposits to total assets | 90.2900% | 1,533 |
| Equity capital to assets | 9.0828% | 2,150 |
| Core capital (leverage) ratio | 9.2306% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2823% | 1,347 |
| Memoranda: | ||
| Average total assets | $438,630,750 | 1,900 |
| Average earning assets | $415,689,500 | 1,874 |
| Average equity | $39,435,000 | 1,963 |
| Average total loans | $209,686,750 | 2,170 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8736% | 3,845 |
| Cost of funding earning assets | 0.3437% | 1,328 |
| Net interest margin | 2.5299% | 4,034 |
| Noninterest income to average assets | 0.1401% | 4,317 |
| Noninterest expense to average assets | 1.7450% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7991% | 2,963 |
| Return on assets (ROA) | 0.7991% | 2,929 |
| Pretax return on assets | 0.7991% | 3,333 |
| Return on Equity (ROE) | 8.9156% | 2,722 |
| Retained earnings to average equity (ytd only) | 1.4054% | 3,898 |
| Net charge-offs to loans | -0.0019% | 3,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2245% | 2,207 |
| Assets per employee ($millions) | 12.8940% | 298 |
| Cash dividends to net income (ytd only)* | 84.2367% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8354% | 169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 44.4297% | 3,800 |
| Net loans and leases to deposits | 49.8032% | 3,815 |
| Net loans and leases to core deposits | 58.6830% | 3,377 |
| Total domestic deposits to total assets | 89.2107% | 2,085 |
| Equity capital to assets | 8.7609% | 2,564 |
| Core capital (leverage) ratio | 9.0796% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6343% | 902 |
| Memoranda: | ||
| Average total assets | $452,485,000 | 1,870 |
| Average earning assets | $429,976,333 | 1,844 |
| Average equity | $40,558,333 | 1,973 |
| Average total loans | $210,876,000 | 2,165 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8299% | 3,686 |
| Cost of funding earning assets | 0.3211% | 1,452 |
| Net interest margin | 2.5087% | 3,890 |
| Noninterest income to average assets | 0.1413% | 4,304 |
| Noninterest expense to average assets | 1.7692% | 4,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7584% | 2,818 |
| Return on assets (ROA) | 0.7584% | 2,812 |
| Pretax return on assets | 0.7584% | 3,234 |
| Return on Equity (ROE) | 8.3664% | 2,563 |
| Retained earnings to average equity (ytd only) | 6.1750% | 2,187 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6472% | 2,283 |
| Assets per employee ($millions) | 12.7095% | 329 |
| Cash dividends to net income (ytd only)* | 26.1932% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7892% | 196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.5533% | 3,699 |
| Net loans and leases to deposits | 50.0741% | 3,725 |
| Net loans and leases to core deposits | 62.2207% | 2,954 |
| Total domestic deposits to total assets | 88.9748% | 2,096 |
| Equity capital to assets | 8.8787% | 2,813 |
| Core capital (leverage) ratio | 9.2023% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2742% | 1,005 |
| Memoranda: | ||
| Average total assets | $453,082,500 | 1,870 |
| Average earning assets | $430,975,500 | 1,856 |
| Average equity | $41,069,000 | 2,017 |
| Average total loans | $213,135,000 | 2,151 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2230% | 3,424 |
| Cost of funding earning assets | 0.4164% | 1,424 |
| Net interest margin | 2.8066% | 3,649 |
| Noninterest income to average assets | 0.1502% | 4,395 |
| Noninterest expense to average assets | 1.8442% | 4,057 |
| Loan and lease loss provision to assets | 0.1638% | 719 |
| Net operating income to assets | 0.8029% | 3,324 |
| Return on assets (ROA) | 0.8029% | 3,397 |
| Pretax return on assets | 0.8029% | 3,722 |
| Return on Equity (ROE) | 8.7775% | 2,989 |
| Retained earnings to average equity (ytd only) | 4.5947% | 2,970 |
| Net charge-offs to loans | 0.0018% | 2,587 |
| Credit loss provision to net charge-offs | 17,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 1,032.7500% | 144 |
| Efficiency ratio | 65.2681% | 2,365 |
| Assets per employee ($millions) | 12.4618% | 357 |
| Cash dividends to net income (ytd only)* | 47.6537% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7007% | 215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 46.9708% | 3,604 |
| Net loans and leases to deposits | 53.2148% | 3,647 |
| Net loans and leases to core deposits | 67.2174% | 2,718 |
| Total domestic deposits to total assets | 88.2665% | 1,895 |
| Equity capital to assets | 9.2536% | 3,368 |
| Core capital (leverage) ratio | 9.1964% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2585% | 994 |
| Memoranda: | ||
| Average total assets | $427,332,200 | 1,902 |
| Average earning assets | $405,119,800 | 1,888 |
| Average equity | $39,088,400 | 2,115 |
| Average total loans | $225,116,200 | 2,077 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3404% | 3,279 |
| Cost of funding earning assets | 0.4391% | 1,425 |
| Net interest margin | 2.9012% | 3,548 |
| Noninterest income to average assets | 0.1517% | 4,436 |
| Noninterest expense to average assets | 1.8543% | 4,048 |
| Loan and lease loss provision to assets | 0.2054% | 494 |
| Net operating income to assets | 0.8391% | 3,419 |
| Return on assets (ROA) | 0.8391% | 3,481 |
| Pretax return on assets | 0.8391% | 3,819 |
| Return on Equity (ROE) | 9.2023% | 3,041 |
| Retained earnings to average equity (ytd only) | 4.3171% | 3,472 |
| Net charge-offs to loans | 0.0029% | 2,246 |
| Credit loss provision to net charge-offs | 13,000.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 661.2000% | 241 |
| Efficiency ratio | 63.6294% | 2,447 |
| Assets per employee ($millions) | 11.9219% | 376 |
| Cash dividends to net income (ytd only)* | 53.0873% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7001% | 215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.3575% | 3,685 |
| Net loans and leases to deposits | 53.9739% | 3,739 |
| Net loans and leases to core deposits | 69.0340% | 2,685 |
| Total domestic deposits to total assets | 87.7414% | 1,980 |
| Equity capital to assets | 9.3732% | 3,489 |
| Core capital (leverage) ratio | 9.2662% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7098% | 1,006 |
| Memoranda: | ||
| Average total assets | $422,009,500 | 1,941 |
| Average earning assets | $399,588,250 | 1,926 |
| Average equity | $38,482,000 | 2,162 |
| Average total loans | $227,252,500 | 2,098 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4730% | 2,966 |
| Cost of funding earning assets | 0.4614% | 1,439 |
| Net interest margin | 3.0116% | 3,291 |
| Noninterest income to average assets | 0.1477% | 4,458 |
| Noninterest expense to average assets | 1.8675% | 4,042 |
| Loan and lease loss provision to assets | 0.2526% | 386 |
| Net operating income to assets | 0.8796% | 3,275 |
| Return on assets (ROA) | 0.8796% | 3,355 |
| Pretax return on assets | 0.8796% | 3,703 |
| Return on Equity (ROE) | 9.7422% | 2,859 |
| Retained earnings to average equity (ytd only) | 3.3202% | 3,738 |
| Net charge-offs to loans | -0.0017% | 3,168 |
| Credit loss provision to net charge-offs | -26,250.0000% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9185% | 2,740 |
| Assets per employee ($millions) | 12.3971% | 320 |
| Cash dividends to net income (ytd only)* | 65.9190% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5219% | 272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.5898% | 3,494 |
| Net loans and leases to deposits | 57.3668% | 3,610 |
| Net loans and leases to core deposits | 71.6184% | 2,637 |
| Total domestic deposits to total assets | 88.1864% | 1,727 |
| Equity capital to assets | 8.6697% | 4,078 |
| Core capital (leverage) ratio | 8.6656% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0514% | 1,330 |
| Memoranda: | ||
| Average total assets | $415,642,333 | 1,950 |
| Average earning assets | $393,613,000 | 1,939 |
| Average equity | $37,527,333 | 2,195 |
| Average total loans | $231,438,000 | 2,090 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5290% | 2,833 |
| Cost of funding earning assets | 0.4983% | 1,405 |
| Net interest margin | 3.0306% | 3,177 |
| Noninterest income to average assets | 0.1476% | 4,463 |
| Noninterest expense to average assets | 1.8715% | 4,055 |
| Loan and lease loss provision to assets | 0.2952% | 320 |
| Net operating income to assets | 0.8472% | 3,280 |
| Return on assets (ROA) | 0.8472% | 3,358 |
| Pretax return on assets | 0.8472% | 3,729 |
| Return on Equity (ROE) | 9.1884% | 2,967 |
| Retained earnings to average equity (ytd only) | 7.1501% | 2,531 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7695% | 2,796 |
| Assets per employee ($millions) | 11.2921% | 412 |
| Cash dividends to net income (ytd only)* | 22.1835% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2793% | 377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 55.9568% | 3,043 |
| Net loans and leases to deposits | 64.0364% | 3,121 |
| Net loans and leases to core deposits | 80.0306% | 2,001 |
| Total domestic deposits to total assets | 87.3829% | 2,145 |
| Equity capital to assets | 9.0372% | 3,642 |
| Core capital (leverage) ratio | 9.0839% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3736% | 1,203 |
| Memoranda: | ||
| Average total assets | $406,513,500 | 1,970 |
| Average earning assets | $384,474,500 | 1,953 |
| Average equity | $37,482,000 | 2,180 |
| Average total loans | $234,563,000 | 2,069 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 3,123 |
| Cost of funding earning assets | 0.6571% | 1,949 |
| Net interest margin | 3.2091% | 3,332 |
| Noninterest income to average assets | 0.1954% | 4,305 |
| Noninterest expense to average assets | 2.1135% | 3,907 |
| Loan and lease loss provision to assets | 0.3084% | 1,213 |
| Net operating income to assets | 0.7677% | 3,212 |
| Return on assets (ROA) | 0.7677% | 3,334 |
| Pretax return on assets | 0.7677% | 3,709 |
| Return on Equity (ROE) | 7.5367% | 2,983 |
| Retained earnings to average equity (ytd only) | 3.3994% | 3,122 |
| Net charge-offs to loans | 0.0611% | 1,904 |
| Credit loss provision to net charge-offs | 784.6715% | 917 |
| Earnings coverage of net charge-offs (x) | 27.3796% | 1,685 |
| Efficiency ratio | 65.8931% | 2,552 |
| Assets per employee ($millions) | 9.8805% | 556 |
| Cash dividends to net income (ytd only)* | 54.8954% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 56.8619% | 3,216 |
| Net loans and leases to deposits | 65.7347% | 3,300 |
| Net loans and leases to core deposits | 85.2021% | 1,935 |
| Total domestic deposits to total assets | 86.5020% | 2,150 |
| Equity capital to assets | 9.4140% | 3,688 |
| Core capital (leverage) ratio | 9.0922% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9044% | 1,070 |
| Memoranda: | ||
| Average total assets | $348,562,400 | 2,059 |
| Average earning assets | $325,236,200 | 2,053 |
| Average equity | $35,506,400 | 2,211 |
| Average total loans | $224,161,200 | 2,080 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 2,903 |
| Cost of funding earning assets | 0.6838% | 2,127 |
| Net interest margin | 3.3405% | 3,073 |
| Noninterest income to average assets | 0.2066% | 4,235 |
| Noninterest expense to average assets | 2.1319% | 3,870 |
| Loan and lease loss provision to assets | 0.3066% | 1,309 |
| Net operating income to assets | 0.8750% | 2,792 |
| Return on assets (ROA) | 0.8750% | 2,928 |
| Pretax return on assets | 0.8750% | 3,449 |
| Return on Equity (ROE) | 8.4031% | 2,646 |
| Retained earnings to average equity (ytd only) | 4.0590% | 3,016 |
| Net charge-offs to loans | 0.0371% | 2,099 |
| Credit loss provision to net charge-offs | 1,250.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 48.1613% | 1,218 |
| Efficiency ratio | 63.9675% | 2,737 |
| Assets per employee ($millions) | 10.1484% | 485 |
| Cash dividends to net income (ytd only)* | 51.6961% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1335% | 393 |
| Loan loss allowance to noncurrent loans | 6,749.3151% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,383 |
| Noncurrent loans to loans | 0.0316% | 4,267 |
| Net loans and leases to total assets | 57.1029% | 3,511 |
| Net loans and leases to deposits | 67.2857% | 3,530 |
| Net loans and leases to core deposits | 87.3828% | 2,205 |
| Total domestic deposits to total assets | 84.8664% | 2,494 |
| Equity capital to assets | 9.3947% | 3,772 |
| Core capital (leverage) ratio | 9.2856% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8887% | 1,072 |
| Memoranda: | ||
| Average total assets | $336,897,750 | 2,089 |
| Average earning assets | $313,355,250 | 2,089 |
| Average equity | $35,081,500 | 2,218 |
| Average total loans | $222,731,000 | 2,087 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,434 |
| Cost of funding earning assets | 0.7299% | 2,237 |
| Net interest margin | 3.5851% | 2,534 |
| Noninterest income to average assets | 0.2213% | 4,165 |
| Noninterest expense to average assets | 2.2839% | 3,564 |
| Loan and lease loss provision to assets | 0.2994% | 1,438 |
| Net operating income to assets | 0.9601% | 2,459 |
| Return on assets (ROA) | 0.9601% | 2,585 |
| Pretax return on assets | 0.9601% | 3,150 |
| Return on Equity (ROE) | 8.8595% | 2,416 |
| Retained earnings to average equity (ytd only) | 7.9870% | 1,312 |
| Net charge-offs to loans | 0.0582% | 1,672 |
| Credit loss provision to net charge-offs | 742.1875% | 960 |
| Earnings coverage of net charge-offs (x) | 31.2188% | 1,401 |
| Efficiency ratio | 64.0811% | 2,813 |
| Assets per employee ($millions) | 9.2565% | 635 |
| Cash dividends to net income (ytd only)* | 9.8490% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 434 |
| Loan loss allowance to noncurrent loans | 4,973.1183% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,426 |
| Noncurrent loans to loans | 0.0401% | 4,321 |
| Net loans and leases to total assets | 62.8848% | 3,023 |
| Net loans and leases to deposits | 79.7339% | 2,459 |
| Net loans and leases to core deposits | 94.8885% | 1,672 |
| Total domestic deposits to total assets | 78.8683% | 4,057 |
| Equity capital to assets | 10.3991% | 2,839 |
| Core capital (leverage) ratio | 10.4698% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0863% | 1,040 |
| Memoranda: | ||
| Average total assets | $317,268,000 | 2,163 |
| Average earning assets | $293,995,333 | 2,162 |
| Average equity | $34,381,000 | 2,244 |
| Average total loans | $219,997,000 | 2,081 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 1,716 |
| Cost of funding earning assets | 0.8418% | 2,156 |
| Net interest margin | 3.8552% | 1,808 |
| Noninterest income to average assets | 0.2288% | 4,181 |
| Noninterest expense to average assets | 2.4645% | 3,380 |
| Loan and lease loss provision to assets | 0.2370% | 1,310 |
| Net operating income to assets | 1.0995% | 1,845 |
| Return on assets (ROA) | 1.0995% | 1,943 |
| Pretax return on assets | 1.0995% | 2,524 |
| Return on Equity (ROE) | 9.9021% | 1,779 |
| Retained earnings to average equity (ytd only) | 8.9875% | 976 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4817% | 3,154 |
| Assets per employee ($millions) | 7.5082% | 888 |
| Cash dividends to net income (ytd only)* | 9.2365% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 463 |
| Loan loss allowance to noncurrent loans | 2,760.3774% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 4,336 |
| Noncurrent loans to loans | 0.0746% | 4,221 |
| Net loans and leases to total assets | 67.8359% | 2,568 |
| Net loans and leases to deposits | 80.6273% | 2,616 |
| Net loans and leases to core deposits | 97.9162% | 1,633 |
| Total domestic deposits to total assets | 84.1351% | 2,746 |
| Equity capital to assets | 10.8278% | 3,020 |
| Core capital (leverage) ratio | 10.8347% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,400,500 | 2,238 |
| Average earning assets | $273,710,500 | 2,236 |
| Average equity | $32,801,000 | 2,311 |
| Average total loans | $214,175,000 | 2,086 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 1,530 |
| Cost of funding earning assets | 0.7760% | 2,792 |
| Net interest margin | 4.2037% | 1,313 |
| Noninterest income to average assets | 0.2062% | 4,425 |
| Noninterest expense to average assets | 2.7025% | 2,875 |
| Loan and lease loss provision to assets | 0.1119% | 1,870 |
| Net operating income to assets | 1.3208% | 1,612 |
| Return on assets (ROA) | 1.3208% | 1,693 |
| Pretax return on assets | 1.3208% | 2,436 |
| Return on Equity (ROE) | 11.6544% | 1,639 |
| Retained earnings to average equity (ytd only) | 5.9794% | 1,879 |
| Net charge-offs to loans | 0.0967% | 1,756 |
| Credit loss provision to net charge-offs | 150.9901% | 1,690 |
| Earnings coverage of net charge-offs (x) | 19.3317% | 2,004 |
| Efficiency ratio | 64.9898% | 2,936 |
| Assets per employee ($millions) | 6.7372% | 1,158 |
| Cash dividends to net income (ytd only)* | 48.6944% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9588% | 486 |
| Loan loss allowance to noncurrent loans | 2,585.2761% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,336 |
| Noncurrent loans to loans | 0.0758% | 4,224 |
| Net loans and leases to total assets | 74.5406% | 1,665 |
| Net loans and leases to deposits | 88.9723% | 1,704 |
| Net loans and leases to core deposits | 112.8081% | 723 |
| Total domestic deposits to total assets | 83.7796% | 2,921 |
| Equity capital to assets | 11.4043% | 2,620 |
| Core capital (leverage) ratio | 10.9333% | 2,559 |
| Tier 1 risk-based capital ratio | 13.9318% | 3,304 |
| Total risk-based capital ratio | 15.1895% | 3,206 |
| Memoranda: | ||
| Average total assets | $272,566,800 | 2,316 |
| Average earning assets | $254,752,000 | 2,306 |
| Average equity | $30,889,600 | 2,342 |
| Average total loans | $208,836,600 | 2,093 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9361% | 1,714 |
| Cost of funding earning assets | 0.7591% | 2,924 |
| Net interest margin | 4.1770% | 1,425 |
| Noninterest income to average assets | 0.2005% | 4,516 |
| Noninterest expense to average assets | 2.6590% | 2,983 |
| Loan and lease loss provision to assets | 0.0938% | 2,033 |
| Net operating income to assets | 1.3636% | 1,599 |
| Return on assets (ROA) | 1.3636% | 1,668 |
| Pretax return on assets | 1.3636% | 2,446 |
| Return on Equity (ROE) | 12.0521% | 1,601 |
| Retained earnings to average equity (ytd only) | 5.5611% | 2,593 |
| Net charge-offs to loans | 0.0142% | 2,876 |
| Credit loss provision to net charge-offs | 863.6364% | 409 |
| Earnings coverage of net charge-offs (x) | 134.1483% | 593 |
| Efficiency ratio | 64.2232% | 2,968 |
| Assets per employee ($millions) | 7.4234% | 868 |
| Cash dividends to net income (ytd only)* | 53.8574% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0451% | 424 |
| Loan loss allowance to noncurrent loans | 932.2440% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 3,929 |
| Noncurrent loans to loans | 0.2194% | 3,755 |
| Net loans and leases to total assets | 72.6534% | 2,061 |
| Net loans and leases to deposits | 86.9902% | 2,062 |
| Net loans and leases to core deposits | 109.2450% | 979 |
| Total domestic deposits to total assets | 83.5191% | 2,987 |
| Equity capital to assets | 11.1854% | 2,946 |
| Core capital (leverage) ratio | 10.9834% | 2,658 |
| Tier 1 risk-based capital ratio | 14.1997% | 3,224 |
| Total risk-based capital ratio | 15.4587% | 3,125 |
| Memoranda: | ||
| Average total assets | $269,967,500 | 2,349 |
| Average earning assets | $253,093,500 | 2,334 |
| Average equity | $30,544,500 | 2,372 |
| Average total loans | $207,261,500 | 2,126 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 1,770 |
| Cost of funding earning assets | 0.7385% | 2,952 |
| Net interest margin | 4.1557% | 1,473 |
| Noninterest income to average assets | 0.2023% | 4,537 |
| Noninterest expense to average assets | 2.6955% | 2,922 |
| Loan and lease loss provision to assets | 0.0752% | 2,310 |
| Net operating income to assets | 1.3335% | 1,640 |
| Return on assets (ROA) | 1.3335% | 1,705 |
| Pretax return on assets | 1.3335% | 2,430 |
| Return on Equity (ROE) | 11.7385% | 1,681 |
| Retained earnings to average equity (ytd only) | 2.2246% | 4,047 |
| Net charge-offs to loans | -0.0010% | 3,895 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2923% | 2,923 |
| Assets per employee ($millions) | 6.2187% | 1,389 |
| Cash dividends to net income (ytd only)* | 81.0491% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 452 |
| Loan loss allowance to noncurrent loans | 1,651.3725% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 4,302 |
| Noncurrent loans to loans | 0.1227% | 4,129 |
| Net loans and leases to total assets | 74.4197% | 1,816 |
| Net loans and leases to deposits | 89.4184% | 1,812 |
| Net loans and leases to core deposits | 111.0385% | 919 |
| Total domestic deposits to total assets | 83.2264% | 3,138 |
| Equity capital to assets | 11.1494% | 2,906 |
| Core capital (leverage) ratio | 11.0790% | 2,522 |
| Tier 1 risk-based capital ratio | 13.9338% | 3,351 |
| Total risk-based capital ratio | 15.1927% | 3,256 |
| Memoranda: | ||
| Average total assets | $265,926,670 | 2,378 |
| Average earning assets | $249,684,000 | 2,365 |
| Average equity | $30,208,330 | 2,390 |
| Average total loans | $206,606,330 | 2,139 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8799% | 1,655 |
| Cost of funding earning assets | 0.7106% | 2,998 |
| Net interest margin | 4.1693% | 1,375 |
| Noninterest income to average assets | 0.2121% | 4,472 |
| Noninterest expense to average assets | 2.7534% | 2,730 |
| Loan and lease loss provision to assets | 0.0687% | 2,287 |
| Net operating income to assets | 1.3034% | 1,686 |
| Return on assets (ROA) | 1.3034% | 1,723 |
| Pretax return on assets | 1.3034% | 2,440 |
| Return on Equity (ROE) | 11.3643% | 1,801 |
| Retained earnings to average equity (ytd only) | 8.1440% | 1,606 |
| Net charge-offs to loans | -0.0019% | 3,854 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3707% | 2,887 |
| Assets per employee ($millions) | 6.2868% | 1,358 |
| Cash dividends to net income (ytd only)* | 28.3372% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 481 |
| Loan loss allowance to noncurrent loans | 1,623.4375% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,329 |
| Noncurrent loans to loans | 0.1242% | 4,181 |
| Net loans and leases to total assets | 76.4801% | 1,398 |
| Net loans and leases to deposits | 92.7620% | 1,309 |
| Net loans and leases to core deposits | 115.0615% | 684 |
| Total domestic deposits to total assets | 82.4476% | 3,603 |
| Equity capital to assets | 11.5375% | 2,365 |
| Core capital (leverage) ratio | 11.5838% | 2,072 |
| Tier 1 risk-based capital ratio | 14.2210% | 3,234 |
| Total risk-based capital ratio | 15.4800% | 3,156 |
| Memoranda: | ||
| Average total assets | $262,079,500 | 2,429 |
| Average earning assets | $245,989,000 | 2,409 |
| Average equity | $30,059,000 | 2,408 |
| Average total loans | $205,990,000 | 2,168 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 1,591 |
| Cost of funding earning assets | 0.5702% | 2,921 |
| Net interest margin | 4.2109% | 1,366 |
| Noninterest income to average assets | 0.2060% | 4,686 |
| Noninterest expense to average assets | 2.7926% | 2,713 |
| Loan and lease loss provision to assets | 0.1028% | 2,138 |
| Net operating income to assets | 1.2718% | 1,903 |
| Return on assets (ROA) | 1.2679% | 1,919 |
| Pretax return on assets | 1.2679% | 2,626 |
| Return on Equity (ROE) | 11.5574% | 1,882 |
| Retained earnings to average equity (ytd only) | 7.1805% | 1,586 |
| Net charge-offs to loans | -0.0045% | 4,330 |
| Credit loss provision to net charge-offs | -2,944.4444% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6325% | 2,759 |
| Assets per employee ($millions) | 6.1932% | 1,391 |
| Cash dividends to net income (ytd only)* | 37.8709% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 474 |
| Loan loss allowance to noncurrent loans | 1,580.7692% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,328 |
| Noncurrent loans to loans | 0.1263% | 4,163 |
| Net loans and leases to total assets | 77.5707% | 1,343 |
| Net loans and leases to deposits | 94.4904% | 1,228 |
| Net loans and leases to core deposits | 115.5868% | 702 |
| Total domestic deposits to total assets | 82.0937% | 3,621 |
| Equity capital to assets | 11.4003% | 2,330 |
| Core capital (leverage) ratio | 11.3104% | 2,262 |
| Tier 1 risk-based capital ratio | 13.9044% | 3,327 |
| Total risk-based capital ratio | 15.1627% | 3,253 |
| Memoranda: | ||
| Average total assets | $257,821,400 | 2,420 |
| Average earning assets | $242,537,600 | 2,397 |
| Average equity | $28,284,800 | 2,443 |
| Average total loans | $202,109,600 | 2,162 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 1,601 |
| Cost of funding earning assets | 0.5470% | 2,877 |
| Net interest margin | 4.1792% | 1,416 |
| Noninterest income to average assets | 0.2125% | 4,696 |
| Noninterest expense to average assets | 2.7641% | 2,762 |
| Loan and lease loss provision to assets | 0.1373% | 1,457 |
| Net operating income to assets | 1.2434% | 2,068 |
| Return on assets (ROA) | 1.2377% | 2,097 |
| Pretax return on assets | 1.2377% | 2,854 |
| Return on Equity (ROE) | 11.3945% | 2,020 |
| Retained earnings to average equity (ytd only) | 5.8452% | 2,736 |
| Net charge-offs to loans | 0.0557% | 2,024 |
| Credit loss provision to net charge-offs | 315.4762% | 981 |
| Earnings coverage of net charge-offs (x) | 31.7135% | 1,559 |
| Efficiency ratio | 66.2999% | 2,814 |
| Assets per employee ($millions) | 6.1203% | 1,403 |
| Cash dividends to net income (ytd only)* | 48.7019% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 568 |
| Loan loss allowance to noncurrent loans | 1,419.4346% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 4,419 |
| Noncurrent loans to loans | 0.1352% | 4,276 |
| Net loans and leases to total assets | 79.8490% | 1,043 |
| Net loans and leases to deposits | 97.6089% | 984 |
| Net loans and leases to core deposits | 120.5185% | 560 |
| Total domestic deposits to total assets | 81.8050% | 3,669 |
| Equity capital to assets | 11.1436% | 2,523 |
| Core capital (leverage) ratio | 11.0266% | 2,554 |
| Tier 1 risk-based capital ratio | 13.4361% | 3,664 |
| Total risk-based capital ratio | 14.6939% | 3,573 |
| Memoranda: | ||
| Average total assets | $257,248,000 | 2,439 |
| Average earning assets | $242,052,500 | 2,412 |
| Average equity | $27,942,500 | 2,461 |
| Average total loans | $201,166,250 | 2,175 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 1,670 |
| Cost of funding earning assets | 0.5223% | 2,816 |
| Net interest margin | 4.1153% | 1,508 |
| Noninterest income to average assets | 0.2044% | 4,792 |
| Noninterest expense to average assets | 2.7880% | 2,698 |
| Loan and lease loss provision to assets | 0.1244% | 1,593 |
| Net operating income to assets | 1.1628% | 2,338 |
| Return on assets (ROA) | 1.1542% | 2,378 |
| Pretax return on assets | 1.1542% | 3,117 |
| Return on Equity (ROE) | 10.7188% | 2,221 |
| Retained earnings to average equity (ytd only) | 2.8656% | 4,105 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0145% | 2,643 |
| Assets per employee ($millions) | 5.6688% | 1,744 |
| Cash dividends to net income (ytd only)* | 73.2660% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 538 |
| Loan loss allowance to noncurrent loans | 3,769.8113% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,817 |
| Noncurrent loans to loans | 0.0524% | 4,683 |
| Net loans and leases to total assets | 77.6677% | 1,370 |
| Net loans and leases to deposits | 94.9739% | 1,253 |
| Net loans and leases to core deposits | 116.5843% | 687 |
| Total domestic deposits to total assets | 81.7779% | 3,787 |
| Equity capital to assets | 10.9064% | 2,724 |
| Core capital (leverage) ratio | 10.7252% | 2,774 |
| Tier 1 risk-based capital ratio | 13.3395% | 3,711 |
| Total risk-based capital ratio | 14.5972% | 3,629 |
| Memoranda: | ||
| Average total assets | $257,312,670 | 2,448 |
| Average earning assets | $242,025,000 | 2,419 |
| Average equity | $27,708,330 | 2,487 |
| Average total loans | $198,464,330 | 2,203 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 1,705 |
| Cost of funding earning assets | 0.5109% | 2,716 |
| Net interest margin | 4.0429% | 1,584 |
| Noninterest income to average assets | 0.2059% | 4,795 |
| Noninterest expense to average assets | 2.8063% | 2,662 |
| Loan and lease loss provision to assets | 0.1084% | 1,723 |
| Net operating income to assets | 1.0881% | 2,478 |
| Return on assets (ROA) | 1.0711% | 2,573 |
| Pretax return on assets | 1.0711% | 3,275 |
| Return on Equity (ROE) | 10.0103% | 2,415 |
| Retained earnings to average equity (ytd only) | 8.5637% | 1,632 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7216% | 2,527 |
| Assets per employee ($millions) | 6.3446% | 1,282 |
| Cash dividends to net income (ytd only)* | 14.4509% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 539 |
| Loan loss allowance to noncurrent loans | 3,456.6372% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,893 |
| Noncurrent loans to loans | 0.0581% | 4,714 |
| Net loans and leases to total assets | 73.3237% | 1,977 |
| Net loans and leases to deposits | 89.5668% | 1,740 |
| Net loans and leases to core deposits | 108.3622% | 1,098 |
| Total domestic deposits to total assets | 81.8648% | 4,005 |
| Equity capital to assets | 10.7558% | 2,815 |
| Core capital (leverage) ratio | 10.6605% | 2,778 |
| Tier 1 risk-based capital ratio | 13.7253% | 3,531 |
| Total risk-based capital ratio | 14.9836% | 3,433 |
| Memoranda: | ||
| Average total assets | $258,420,500 | 2,455 |
| Average earning assets | $242,697,500 | 2,429 |
| Average equity | $27,651,500 | 2,514 |
| Average total loans | $196,634,500 | 2,221 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,445 |
| Cost of funding earning assets | 0.4028% | 3,231 |
| Net interest margin | 4.1930% | 1,201 |
| Noninterest income to average assets | 0.1982% | 4,953 |
| Noninterest expense to average assets | 2.8518% | 2,602 |
| Loan and lease loss provision to assets | 0.0727% | 2,756 |
| Net operating income to assets | 1.2125% | 1,483 |
| Return on assets (ROA) | 1.2125% | 1,508 |
| Pretax return on assets | 1.2125% | 2,721 |
| Return on Equity (ROE) | 11.3598% | 1,368 |
| Retained earnings to average equity (ytd only) | 5.9541% | 1,565 |
| Net charge-offs to loans | 0.0063% | 3,852 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 265.2500% | 316 |
| Efficiency ratio | 68.5341% | 2,788 |
| Assets per employee ($millions) | 6.1122% | 1,444 |
| Cash dividends to net income (ytd only)* | 47.5857% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 610 |
| Loan loss allowance to noncurrent loans | 3,196.6667% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 4,902 |
| Noncurrent loans to loans | 0.0604% | 4,723 |
| Net loans and leases to total assets | 75.8791% | 1,620 |
| Net loans and leases to deposits | 90.8425% | 1,672 |
| Net loans and leases to core deposits | 110.3651% | 977 |
| Total domestic deposits to total assets | 83.5282% | 3,377 |
| Equity capital to assets | 10.6439% | 3,000 |
| Core capital (leverage) ratio | 10.4346% | 2,924 |
| Tier 1 risk-based capital ratio | 13.0657% | 3,871 |
| Total risk-based capital ratio | 14.3233% | 3,772 |
| Memoranda: | ||
| Average total assets | $247,669,800 | 2,506 |
| Average earning assets | $232,647,600 | 2,481 |
| Average equity | $26,435,400 | 2,580 |
| Average total loans | $190,364,400 | 2,240 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 1,432 |
| Cost of funding earning assets | 0.3891% | 3,295 |
| Net interest margin | 4.1874% | 1,179 |
| Noninterest income to average assets | 0.1983% | 5,014 |
| Noninterest expense to average assets | 2.9012% | 2,408 |
| Loan and lease loss provision to assets | 0.0652% | 2,768 |
| Net operating income to assets | 1.1665% | 1,813 |
| Return on assets (ROA) | 1.1665% | 1,862 |
| Pretax return on assets | 1.1665% | 3,034 |
| Return on Equity (ROE) | 10.9204% | 1,735 |
| Retained earnings to average equity (ytd only) | 5.4170% | 2,593 |
| Net charge-offs to loans | -0.0177% | 4,810 |
| Credit loss provision to net charge-offs | -480.0000% | 4,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7910% | 2,568 |
| Assets per employee ($millions) | 5.3845% | 2,030 |
| Cash dividends to net income (ytd only)* | 50.3958% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 628 |
| Loan loss allowance to noncurrent loans | 2,398.1132% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 4,918 |
| Noncurrent loans to loans | 0.0813% | 4,745 |
| Net loans and leases to total assets | 75.7291% | 1,633 |
| Net loans and leases to deposits | 89.4386% | 1,879 |
| Net loans and leases to core deposits | 108.5098% | 1,121 |
| Total domestic deposits to total assets | 84.6716% | 2,851 |
| Equity capital to assets | 10.6475% | 3,220 |
| Core capital (leverage) ratio | 10.5439% | 2,939 |
| Tier 1 risk-based capital ratio | 13.3261% | 3,806 |
| Total risk-based capital ratio | 14.5843% | 3,714 |
| Memoranda: | ||
| Average total assets | $245,409,500 | 2,540 |
| Average earning assets | $230,593,000 | 2,508 |
| Average equity | $26,213,250 | 2,618 |
| Average total loans | $188,299,000 | 2,266 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 1,312 |
| Cost of funding earning assets | 0.3847% | 3,239 |
| Net interest margin | 4.1901% | 1,093 |
| Noninterest income to average assets | 0.2009% | 5,043 |
| Noninterest expense to average assets | 2.9079% | 2,399 |
| Loan and lease loss provision to assets | 0.0618% | 2,728 |
| Net operating income to assets | 1.1595% | 1,742 |
| Return on assets (ROA) | 1.1595% | 1,784 |
| Pretax return on assets | 1.1595% | 2,940 |
| Return on Equity (ROE) | 10.8437% | 1,699 |
| Retained earnings to average equity (ytd only) | 3.3270% | 3,734 |
| Net charge-offs to loans | -0.0269% | 4,907 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0040% | 2,675 |
| Assets per employee ($millions) | 5.5400% | 1,835 |
| Cash dividends to net income (ytd only)* | 69.3182% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 627 |
| Loan loss allowance to noncurrent loans | 28,984.6154% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,284 |
| Noncurrent loans to loans | 0.0068% | 5,161 |
| Net loans and leases to total assets | 76.5689% | 1,451 |
| Net loans and leases to deposits | 89.4802% | 1,803 |
| Net loans and leases to core deposits | 109.7957% | 1,013 |
| Total domestic deposits to total assets | 85.5707% | 2,585 |
| Equity capital to assets | 10.7655% | 3,065 |
| Core capital (leverage) ratio | 10.5435% | 2,867 |
| Tier 1 risk-based capital ratio | 13.1844% | 3,895 |
| Total risk-based capital ratio | 14.4429% | 3,784 |
| Memoranda: | ||
| Average total assets | $242,855,000 | 2,570 |
| Average earning assets | $227,680,670 | 2,552 |
| Average equity | $25,969,000 | 2,634 |
| Average total loans | $185,911,000 | 2,299 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 1,662 |
| Cost of funding earning assets | 0.3769% | 3,233 |
| Net interest margin | 4.0177% | 1,424 |
| Noninterest income to average assets | 0.1898% | 5,141 |
| Noninterest expense to average assets | 2.8993% | 2,456 |
| Loan and lease loss provision to assets | 0.0743% | 2,318 |
| Net operating income to assets | 0.9802% | 2,389 |
| Return on assets (ROA) | 0.9802% | 2,438 |
| Pretax return on assets | 0.9802% | 3,455 |
| Return on Equity (ROE) | 9.1977% | 2,317 |
| Retained earnings to average equity (ytd only) | 7.3396% | 1,725 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9132% | 2,421 |
| Assets per employee ($millions) | 5.9236% | 1,561 |
| Cash dividends to net income (ytd only)* | 20.2020% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 679 |
| Loan loss allowance to noncurrent loans | 28,561.5385% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,351 |
| Noncurrent loans to loans | 0.0070% | 5,228 |
| Net loans and leases to total assets | 75.2072% | 1,545 |
| Net loans and leases to deposits | 87.9227% | 1,812 |
| Net loans and leases to core deposits | 105.7533% | 1,116 |
| Total domestic deposits to total assets | 85.5379% | 2,870 |
| Equity capital to assets | 10.7618% | 2,897 |
| Core capital (leverage) ratio | 10.6757% | 2,711 |
| Tier 1 risk-based capital ratio | 13.5658% | 3,738 |
| Total risk-based capital ratio | 14.8247% | 3,645 |
| Memoranda: | ||
| Average total assets | $242,402,000 | 2,595 |
| Average earning assets | $227,095,000 | 2,583 |
| Average equity | $25,832,500 | 2,655 |
| Average total loans | $183,660,000 | 2,330 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4718% | 1,625 |
| Cost of funding earning assets | 0.3463% | 3,558 |
| Net interest margin | 4.1255% | 1,318 |
| Noninterest income to average assets | 0.2366% | 5,001 |
| Noninterest expense to average assets | 3.0166% | 2,298 |
| Loan and lease loss provision to assets | 0.0787% | 2,788 |
| Net operating income to assets | 0.9972% | 2,361 |
| Return on assets (ROA) | 0.9972% | 2,468 |
| Pretax return on assets | 0.9972% | 3,487 |
| Return on Equity (ROE) | 9.0798% | 2,380 |
| Retained earnings to average equity (ytd only) | 4.5041% | 2,700 |
| Net charge-offs to loans | -0.0093% | 4,923 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2713% | 2,379 |
| Assets per employee ($millions) | 5.9009% | 1,544 |
| Cash dividends to net income (ytd only)* | 50.3947% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 624 |
| Loan loss allowance to noncurrent loans | 26,200.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,402 |
| Noncurrent loans to loans | 0.0077% | 5,269 |
| Net loans and leases to total assets | 73.2775% | 1,963 |
| Net loans and leases to deposits | 85.6366% | 2,226 |
| Net loans and leases to core deposits | 99.9684% | 1,625 |
| Total domestic deposits to total assets | 85.5680% | 2,797 |
| Equity capital to assets | 10.5516% | 3,099 |
| Core capital (leverage) ratio | 10.6691% | 2,700 |
| Tier 1 risk-based capital ratio | 13.6795% | 3,661 |
| Total risk-based capital ratio | 14.9389% | 3,563 |
| Memoranda: | ||
| Average total assets | $228,638,000 | 2,678 |
| Average earning assets | $213,695,400 | 2,659 |
| Average equity | $25,110,600 | 2,710 |
| Average total loans | $172,742,400 | 2,390 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,586 |
| Cost of funding earning assets | 0.3446% | 3,602 |
| Net interest margin | 4.1422% | 1,273 |
| Noninterest income to average assets | 0.2485% | 4,981 |
| Noninterest expense to average assets | 3.0114% | 2,286 |
| Loan and lease loss provision to assets | 0.0799% | 2,612 |
| Net operating income to assets | 1.0273% | 2,309 |
| Return on assets (ROA) | 1.0273% | 2,432 |
| Pretax return on assets | 1.0273% | 3,522 |
| Return on Equity (ROE) | 9.2561% | 2,380 |
| Retained earnings to average equity (ytd only) | 4.1962% | 3,341 |
| Net charge-offs to loans | -0.0016% | 4,465 |
| Credit loss provision to net charge-offs | -6,750.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6724% | 2,477 |
| Assets per employee ($millions) | 5.6485% | 1,716 |
| Cash dividends to net income (ytd only)* | 54.6658% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0499% | 664 |
| Loan loss allowance to noncurrent loans | 2,214.1104% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 5,156 |
| Noncurrent loans to loans | 0.0926% | 4,972 |
| Net loans and leases to total assets | 74.4625% | 1,794 |
| Net loans and leases to deposits | 86.7985% | 2,169 |
| Net loans and leases to core deposits | 100.0017% | 1,635 |
| Total domestic deposits to total assets | 85.7878% | 2,461 |
| Equity capital to assets | 11.0368% | 2,967 |
| Core capital (leverage) ratio | 10.6879% | 2,799 |
| Tier 1 risk-based capital ratio | 13.9597% | 3,577 |
| Total risk-based capital ratio | 15.2192% | 3,495 |
| Memoranda: | ||
| Average total assets | $225,313,750 | 2,719 |
| Average earning assets | $210,512,250 | 2,700 |
| Average equity | $25,006,250 | 2,734 |
| Average total loans | $170,690,000 | 2,409 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 1,635 |
| Cost of funding earning assets | 0.3416% | 3,663 |
| Net interest margin | 4.1208% | 1,321 |
| Noninterest income to average assets | 0.2410% | 5,041 |
| Noninterest expense to average assets | 3.0257% | 2,260 |
| Loan and lease loss provision to assets | 0.0806% | 2,524 |
| Net operating income to assets | 0.9829% | 2,457 |
| Return on assets (ROA) | 0.9829% | 2,601 |
| Pretax return on assets | 0.9829% | 3,648 |
| Return on Equity (ROE) | 8.8391% | 2,569 |
| Retained earnings to average equity (ytd only) | 2.4575% | 4,324 |
| Net charge-offs to loans | -0.0012% | 4,325 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5320% | 2,425 |
| Assets per employee ($millions) | 5.3234% | 1,959 |
| Cash dividends to net income (ytd only)* | 72.1969% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0474% | 677 |
| Loan loss allowance to noncurrent loans | 22,268.7500% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 5,607 |
| Noncurrent loans to loans | 0.0092% | 5,466 |
| Net loans and leases to total assets | 74.4693% | 1,734 |
| Net loans and leases to deposits | 86.7572% | 2,164 |
| Net loans and leases to core deposits | 100.5480% | 1,594 |
| Total domestic deposits to total assets | 85.8365% | 2,498 |
| Equity capital to assets | 10.9521% | 3,110 |
| Core capital (leverage) ratio | 10.7975% | 2,653 |
| Tier 1 risk-based capital ratio | 13.6962% | 3,774 |
| Total risk-based capital ratio | 14.9556% | 3,694 |
| Memoranda: | ||
| Average total assets | $223,222,000 | 2,747 |
| Average earning assets | $208,456,330 | 2,726 |
| Average equity | $24,821,670 | 2,761 |
| Average total loans | $168,901,330 | 2,429 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 1,624 |
| Cost of funding earning assets | 0.3451% | 3,655 |
| Net interest margin | 4.1161% | 1,293 |
| Noninterest income to average assets | 0.2396% | 5,027 |
| Noninterest expense to average assets | 3.0765% | 2,158 |
| Loan and lease loss provision to assets | 0.0817% | 2,317 |
| Net operating income to assets | 0.9347% | 2,583 |
| Return on assets (ROA) | 0.9347% | 2,691 |
| Pretax return on assets | 0.9347% | 3,711 |
| Return on Equity (ROE) | 8.3409% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.7982% | 2,472 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7228% | 2,370 |
| Assets per employee ($millions) | 5.3314% | 2,000 |
| Cash dividends to net income (ytd only)* | 30.4854% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0682% | 733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.3720% | 1,671 |
| Net loans and leases to deposits | 84.6282% | 2,230 |
| Net loans and leases to core deposits | 95.8011% | 1,822 |
| Total domestic deposits to total assets | 87.8809% | 1,703 |
| Equity capital to assets | 11.1594% | 2,763 |
| Core capital (leverage) ratio | 11.0446% | 2,365 |
| Tier 1 risk-based capital ratio | 14.0343% | 3,671 |
| Total risk-based capital ratio | 15.2939% | 3,592 |
| Memoranda: | ||
| Average total assets | $220,380,500 | 2,774 |
| Average earning assets | $206,312,000 | 2,757 |
| Average equity | $24,697,500 | 2,771 |
| Average total loans | $166,338,500 | 2,452 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 1,654 |
| Cost of funding earning assets | 0.3324% | 3,879 |
| Net interest margin | 4.1491% | 1,285 |
| Noninterest income to average assets | 0.2616% | 5,018 |
| Noninterest expense to average assets | 3.0358% | 2,431 |
| Loan and lease loss provision to assets | 0.1140% | 2,100 |
| Net operating income to assets | 0.9690% | 2,529 |
| Return on assets (ROA) | 0.9746% | 2,572 |
| Pretax return on assets | 0.9746% | 3,563 |
| Return on Equity (ROE) | 8.7979% | 2,563 |
| Retained earnings to average equity (ytd only) | 4.4284% | 2,831 |
| Net charge-offs to loans | 0.0529% | 3,142 |
| Credit loss provision to net charge-offs | 281.6092% | 1,037 |
| Earnings coverage of net charge-offs (x) | 26.7471% | 1,572 |
| Efficiency ratio | 73.2429% | 2,704 |
| Assets per employee ($millions) | 5.1629% | 2,166 |
| Cash dividends to net income (ytd only)* | 49.6657% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1349% | 657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.3968% | 1,826 |
| Net loans and leases to deposits | 82.8203% | 2,497 |
| Net loans and leases to core deposits | 94.3582% | 2,021 |
| Total domestic deposits to total assets | 88.6217% | 1,323 |
| Equity capital to assets | 11.2557% | 2,580 |
| Core capital (leverage) ratio | 10.8062% | 2,600 |
| Tier 1 risk-based capital ratio | 14.5871% | 3,393 |
| Total risk-based capital ratio | 15.8480% | 3,307 |
| Memoranda: | ||
| Average total assets | $214,866,200 | 2,790 |
| Average earning assets | $199,754,600 | 2,780 |
| Average equity | $23,801,000 | 2,801 |
| Average total loans | $164,440,000 | 2,410 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 1,702 |
| Cost of funding earning assets | 0.3337% | 3,936 |
| Net interest margin | 4.1336% | 1,318 |
| Noninterest income to average assets | 0.2569% | 5,101 |
| Noninterest expense to average assets | 2.9400% | 2,707 |
| Loan and lease loss provision to assets | 0.1275% | 1,774 |
| Net operating income to assets | 1.0256% | 2,352 |
| Return on assets (ROA) | 1.0281% | 2,428 |
| Pretax return on assets | 1.0281% | 3,511 |
| Return on Equity (ROE) | 9.3192% | 2,407 |
| Retained earnings to average equity (ytd only) | 4.2509% | 3,438 |
| Net charge-offs to loans | 0.0744% | 2,497 |
| Credit loss provision to net charge-offs | 222.8261% | 1,231 |
| Earnings coverage of net charge-offs (x) | 20.1528% | 1,886 |
| Efficiency ratio | 71.3569% | 2,986 |
| Assets per employee ($millions) | 4.8152% | 2,541 |
| Cash dividends to net income (ytd only)* | 54.3862% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 830 |
| Loan loss allowance to noncurrent loans | 20,158.8235% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,776 |
| Noncurrent loans to loans | 0.0102% | 5,601 |
| Net loans and leases to total assets | 76.8159% | 1,271 |
| Net loans and leases to deposits | 86.9130% | 2,041 |
| Net loans and leases to core deposits | 98.8664% | 1,621 |
| Total domestic deposits to total assets | 88.3824% | 1,351 |
| Equity capital to assets | 11.4132% | 2,570 |
| Core capital (leverage) ratio | 10.8785% | 2,611 |
| Tier 1 risk-based capital ratio | 14.0644% | 3,814 |
| Total risk-based capital ratio | 15.3240% | 3,751 |
| Memoranda: | ||
| Average total assets | $214,372,250 | 2,824 |
| Average earning assets | $198,951,750 | 2,813 |
| Average equity | $23,649,500 | 2,838 |
| Average total loans | $164,893,250 | 2,424 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 1,788 |
| Cost of funding earning assets | 0.3339% | 3,998 |
| Net interest margin | 4.0861% | 1,383 |
| Noninterest income to average assets | 0.2500% | 5,160 |
| Noninterest expense to average assets | 2.8744% | 2,979 |
| Loan and lease loss provision to assets | 0.1487% | 1,441 |
| Net operating income to assets | 1.0139% | 2,320 |
| Return on assets (ROA) | 1.0158% | 2,421 |
| Pretax return on assets | 1.0158% | 3,519 |
| Return on Equity (ROE) | 9.3131% | 2,379 |
| Retained earnings to average equity (ytd only) | 2.9908% | 4,136 |
| Net charge-offs to loans | 0.0584% | 2,558 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 26.0625% | 1,496 |
| Efficiency ratio | 70.7182% | 3,213 |
| Assets per employee ($millions) | 4.5713% | 2,871 |
| Cash dividends to net income (ytd only)* | 67.8866% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1176% | 835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.1733% | 1,950 |
| Net loans and leases to deposits | 83.1277% | 2,421 |
| Net loans and leases to core deposits | 96.1238% | 1,787 |
| Total domestic deposits to total assets | 86.8222% | 2,257 |
| Equity capital to assets | 10.7519% | 3,165 |
| Core capital (leverage) ratio | 10.4929% | 2,965 |
| Tier 1 risk-based capital ratio | 13.8616% | 4,000 |
| Total risk-based capital ratio | 15.1218% | 3,931 |
| Memoranda: | ||
| Average total assets | $215,206,670 | 2,832 |
| Average earning assets | $199,458,670 | 2,827 |
| Average equity | $23,472,330 | 2,869 |
| Average total loans | $164,465,670 | 2,435 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 1,779 |
| Cost of funding earning assets | 0.3384% | 3,999 |
| Net interest margin | 4.0590% | 1,390 |
| Noninterest income to average assets | 0.2459% | 5,201 |
| Noninterest expense to average assets | 2.8794% | 2,971 |
| Loan and lease loss provision to assets | 0.1689% | 1,183 |
| Net operating income to assets | 0.9573% | 2,462 |
| Return on assets (ROA) | 0.9573% | 2,597 |
| Pretax return on assets | 0.9573% | 3,660 |
| Return on Equity (ROE) | 8.7133% | 2,595 |
| Retained earnings to average equity (ytd only) | 6.8169% | 2,092 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4152% | 3,267 |
| Assets per employee ($millions) | 4.7244% | 2,731 |
| Cash dividends to net income (ytd only)* | 21.7647% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 74.2960% | 1,455 |
| Net loans and leases to deposits | 85.6740% | 1,875 |
| Net loans and leases to core deposits | 99.0820% | 1,386 |
| Total domestic deposits to total assets | 86.7194% | 2,545 |
| Equity capital to assets | 10.8934% | 3,098 |
| Core capital (leverage) ratio | 10.7959% | 2,628 |
| Tier 1 risk-based capital ratio | 13.7560% | 4,183 |
| Total risk-based capital ratio | 15.0157% | 4,089 |
| Memoranda: | ||
| Average total assets | $213,099,000 | 2,878 |
| Average earning assets | $197,390,000 | 2,868 |
| Average equity | $23,412,500 | 2,890 |
| Average total loans | $165,803,500 | 2,427 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 1,813 |
| Cost of funding earning assets | 0.3705% | 4,035 |
| Net interest margin | 4.1433% | 1,453 |
| Noninterest income to average assets | 0.2550% | 5,311 |
| Noninterest expense to average assets | 2.9505% | 2,999 |
| Loan and lease loss provision to assets | 0.1752% | 1,473 |
| Net operating income to assets | 0.9921% | 2,420 |
| Return on assets (ROA) | 0.9950% | 2,482 |
| Pretax return on assets | 0.9950% | 3,516 |
| Return on Equity (ROE) | 9.1812% | 2,494 |
| Retained earnings to average equity (ytd only) | 7.1339% | 1,338 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1686% | 3,342 |
| Assets per employee ($millions) | 4.9732% | 2,353 |
| Cash dividends to net income (ytd only)* | 22.2983% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9875% | 1,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 78.2414% | 971 |
| Net loans and leases to deposits | 90.5658% | 1,458 |
| Net loans and leases to core deposits | 104.2018% | 1,119 |
| Total domestic deposits to total assets | 86.3918% | 2,624 |
| Equity capital to assets | 11.0837% | 2,824 |
| Core capital (leverage) ratio | 10.6417% | 2,787 |
| Tier 1 risk-based capital ratio | 13.5905% | 4,353 |
| Total risk-based capital ratio | 14.8498% | 4,286 |
| Memoranda: | ||
| Average total assets | $205,521,800 | 2,927 |
| Average earning assets | $191,612,200 | 2,893 |
| Average equity | $22,273,800 | 2,917 |
| Average total loans | $159,088,600 | 2,436 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 1,971 |
| Cost of funding earning assets | 0.3743% | 4,082 |
| Net interest margin | 4.0976% | 1,581 |
| Noninterest income to average assets | 0.2580% | 5,376 |
| Noninterest expense to average assets | 2.9020% | 3,107 |
| Loan and lease loss provision to assets | 0.1759% | 1,397 |
| Net operating income to assets | 1.0025% | 2,442 |
| Return on assets (ROA) | 1.0071% | 2,487 |
| Pretax return on assets | 1.0071% | 3,566 |
| Return on Equity (ROE) | 9.3463% | 2,524 |
| Retained earnings to average equity (ytd only) | 7.2606% | 1,691 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6258% | 3,402 |
| Assets per employee ($millions) | 4.6612% | 2,717 |
| Cash dividends to net income (ytd only)* | 22.3157% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 1,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 75.3002% | 1,321 |
| Net loans and leases to deposits | 87.0221% | 1,787 |
| Net loans and leases to core deposits | 101.9980% | 1,214 |
| Total domestic deposits to total assets | 86.5300% | 2,572 |
| Equity capital to assets | 10.8474% | 3,132 |
| Core capital (leverage) ratio | 10.3724% | 3,188 |
| Tier 1 risk-based capital ratio | 14.0100% | 4,208 |
| Total risk-based capital ratio | 15.2697% | 4,136 |
| Memoranda: | ||
| Average total assets | $204,683,750 | 2,960 |
| Average earning assets | $190,937,000 | 2,927 |
| Average equity | $22,054,500 | 2,949 |
| Average total loans | $157,175,750 | 2,474 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 1,965 |
| Cost of funding earning assets | 0.3773% | 4,140 |
| Net interest margin | 4.0816% | 1,569 |
| Noninterest income to average assets | 0.2532% | 5,383 |
| Noninterest expense to average assets | 2.9321% | 3,056 |
| Loan and lease loss provision to assets | 0.1773% | 1,380 |
| Net operating income to assets | 0.9488% | 2,553 |
| Return on assets (ROA) | 0.9488% | 2,651 |
| Pretax return on assets | 0.9488% | 3,682 |
| Return on Equity (ROE) | 8.8261% | 2,681 |
| Retained earnings to average equity (ytd only) | 6.6814% | 1,937 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7407% | 3,391 |
| Assets per employee ($millions) | 4.5748% | 2,805 |
| Cash dividends to net income (ytd only)* | 24.2991% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9641% | 1,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 75.9879% | 1,171 |
| Net loans and leases to deposits | 87.7472% | 1,622 |
| Net loans and leases to core deposits | 104.1033% | 1,007 |
| Total domestic deposits to total assets | 86.5986% | 2,700 |
| Equity capital to assets | 10.8002% | 3,090 |
| Core capital (leverage) ratio | 10.4500% | 3,011 |
| Tier 1 risk-based capital ratio | 13.6322% | 4,501 |
| Total risk-based capital ratio | 14.8920% | 4,439 |
| Memoranda: | ||
| Average total assets | $202,993,330 | 2,997 |
| Average earning assets | $189,241,000 | 2,962 |
| Average equity | $21,821,670 | 2,971 |
| Average total loans | $155,844,330 | 2,495 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 2,028 |
| Cost of funding earning assets | 0.3840% | 4,152 |
| Net interest margin | 4.0457% | 1,616 |
| Noninterest income to average assets | 0.2441% | 5,405 |
| Noninterest expense to average assets | 2.9907% | 2,893 |
| Loan and lease loss provision to assets | 0.1786% | 1,348 |
| Net operating income to assets | 0.8593% | 2,857 |
| Return on assets (ROA) | 0.8593% | 2,924 |
| Pretax return on assets | 0.8593% | 3,864 |
| Return on Equity (ROE) | 8.0128% | 2,923 |
| Retained earnings to average equity (ytd only) | 6.0142% | 2,534 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7438% | 3,193 |
| Assets per employee ($millions) | 4.4908% | 2,985 |
| Cash dividends to net income (ytd only)* | 24.9423% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9649% | 1,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 73.5182% | 1,343 |
| Net loans and leases to deposits | 84.6083% | 1,763 |
| Net loans and leases to core deposits | 102.0344% | 985 |
| Total domestic deposits to total assets | 86.8925% | 2,876 |
| Equity capital to assets | 10.5884% | 3,156 |
| Core capital (leverage) ratio | 10.4946% | 2,941 |
| Tier 1 risk-based capital ratio | 14.1239% | 4,240 |
| Total risk-based capital ratio | 15.3834% | 4,187 |
| Memoranda: | ||
| Average total assets | $201,556,500 | 3,029 |
| Average earning assets | $188,544,500 | 2,989 |
| Average equity | $21,615,500 | 2,984 |
| Average total loans | $153,982,500 | 2,535 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,677 |
| Cost of funding earning assets | 0.4557% | 4,060 |
| Net interest margin | 4.2065% | 1,333 |
| Noninterest income to average assets | 0.2607% | 5,482 |
| Noninterest expense to average assets | 3.2220% | 2,353 |
| Loan and lease loss provision to assets | 0.1998% | 1,865 |
| Net operating income to assets | 0.7602% | 3,497 |
| Return on assets (ROA) | 0.7602% | 3,591 |
| Pretax return on assets | 0.7602% | 4,299 |
| Return on Equity (ROE) | 6.8612% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.8114% | 2,725 |
| Net charge-offs to loans | 0.0014% | 5,456 |
| Credit loss provision to net charge-offs | 19,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 913.0000% | 39 |
| Efficiency ratio | 76.7568% | 2,664 |
| Assets per employee ($millions) | 4.0945% | 3,669 |
| Cash dividends to net income (ytd only)* | 29.8755% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9301% | 1,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 76.3704% | 1,025 |
| Net loans and leases to deposits | 85.8236% | 1,709 |
| Net loans and leases to core deposits | 100.9857% | 1,089 |
| Total domestic deposits to total assets | 88.9853% | 1,641 |
| Equity capital to assets | 10.8672% | 2,741 |
| Core capital (leverage) ratio | 10.3353% | 3,111 |
| Tier 1 risk-based capital ratio | 13.7524% | 4,478 |
| Total risk-based capital ratio | 15.0109% | 4,417 |
| Memoranda: | ||
| Average total assets | $190,224,600 | 3,153 |
| Average earning assets | $177,320,000 | 3,110 |
| Average equity | $21,075,000 | 3,028 |
| Average total loans | $143,589,800 | 2,649 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 1,669 |
| Cost of funding earning assets | 0.4686% | 4,076 |
| Net interest margin | 4.2038% | 1,318 |
| Noninterest income to average assets | 0.2558% | 5,607 |
| Noninterest expense to average assets | 3.1564% | 2,486 |
| Loan and lease loss provision to assets | 0.2050% | 1,770 |
| Net operating income to assets | 0.8064% | 3,311 |
| Return on assets (ROA) | 0.8064% | 3,441 |
| Pretax return on assets | 0.8064% | 4,267 |
| Return on Equity (ROE) | 7.2428% | 3,525 |
| Retained earnings to average equity (ytd only) | 5.1861% | 2,944 |
| Net charge-offs to loans | 0.0019% | 5,182 |
| Credit loss provision to net charge-offs | 14,500.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 714.5880% | 74 |
| Efficiency ratio | 75.5299% | 2,801 |
| Assets per employee ($millions) | 4.1550% | 3,522 |
| Cash dividends to net income (ytd only)* | 28.3961% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 1,861 |
| Loan loss allowance to noncurrent loans | 361.1602% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 4,702 |
| Noncurrent loans to loans | 0.5392% | 4,843 |
| Net loans and leases to total assets | 70.8300% | 1,811 |
| Net loans and leases to deposits | 79.2383% | 2,512 |
| Net loans and leases to core deposits | 95.0086% | 1,475 |
| Total domestic deposits to total assets | 89.3886% | 1,365 |
| Equity capital to assets | 10.3820% | 3,414 |
| Core capital (leverage) ratio | 10.6963% | 2,796 |
| Tier 1 risk-based capital ratio | 14.0279% | 4,407 |
| Total risk-based capital ratio | 15.2867% | 4,355 |
| Memoranda: | ||
| Average total assets | $188,646,500 | 3,208 |
| Average earning assets | $175,552,250 | 3,167 |
| Average equity | $21,004,250 | 3,074 |
| Average total loans | $141,224,750 | 2,693 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 1,441 |
| Cost of funding earning assets | 0.4847% | 4,039 |
| Net interest margin | 4.2665% | 1,100 |
| Noninterest income to average assets | 0.2711% | 5,514 |
| Noninterest expense to average assets | 3.1775% | 2,413 |
| Loan and lease loss provision to assets | 0.2178% | 1,741 |
| Net operating income to assets | 0.8537% | 3,028 |
| Return on assets (ROA) | 0.8537% | 3,170 |
| Pretax return on assets | 0.8537% | 4,103 |
| Return on Equity (ROE) | 7.4809% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.4198% | 2,794 |
| Net charge-offs to loans | 0.0029% | 4,868 |
| Credit loss provision to net charge-offs | 10,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 492.0000% | 94 |
| Efficiency ratio | 74.5771% | 3,014 |
| Assets per employee ($millions) | 3.8539% | 4,102 |
| Cash dividends to net income (ytd only)* | 27.5510% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 1,979 |
| Loan loss allowance to noncurrent loans | 1,594.2529% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 5,570 |
| Noncurrent loans to loans | 0.1220% | 6,021 |
| Net loans and leases to total assets | 74.0309% | 1,245 |
| Net loans and leases to deposits | 83.4547% | 1,874 |
| Net loans and leases to core deposits | 101.5804% | 972 |
| Total domestic deposits to total assets | 88.7079% | 1,772 |
| Equity capital to assets | 11.1205% | 2,637 |
| Core capital (leverage) ratio | 10.8274% | 2,528 |
| Tier 1 risk-based capital ratio | 14.4897% | 4,103 |
| Total risk-based capital ratio | 15.7480% | 4,064 |
| Memoranda: | ||
| Average total assets | $183,664,330 | 3,281 |
| Average earning assets | $171,240,670 | 3,232 |
| Average equity | $20,960,000 | 3,095 |
| Average total loans | $139,276,670 | 2,731 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 1,339 |
| Cost of funding earning assets | 0.5052% | 4,034 |
| Net interest margin | 4.2697% | 1,027 |
| Noninterest income to average assets | 0.2540% | 5,640 |
| Noninterest expense to average assets | 3.1324% | 2,571 |
| Loan and lease loss provision to assets | 0.2430% | 1,487 |
| Net operating income to assets | 0.8549% | 2,881 |
| Return on assets (ROA) | 0.8549% | 3,015 |
| Pretax return on assets | 0.8549% | 3,940 |
| Return on Equity (ROE) | 7.3926% | 3,273 |
| Retained earnings to average equity (ytd only) | 5.5396% | 2,931 |
| Net charge-offs to loans | -0.0029% | 5,192 |
| Credit loss provision to net charge-offs | -11,000.0000% | 5,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8381% | 3,295 |
| Assets per employee ($millions) | 3.9292% | 4,106 |
| Cash dividends to net income (ytd only)* | 25.0646% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 2,338 |
| Loan loss allowance to noncurrent loans | 1,544.2529% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 5,695 |
| Noncurrent loans to loans | 0.1223% | 6,106 |
| Net loans and leases to total assets | 72.5195% | 1,279 |
| Net loans and leases to deposits | 81.5418% | 1,889 |
| Net loans and leases to core deposits | 102.5215% | 802 |
| Total domestic deposits to total assets | 88.9354% | 1,715 |
| Equity capital to assets | 10.9368% | 3,034 |
| Core capital (leverage) ratio | 10.9009% | 2,350 |
| Tier 1 risk-based capital ratio | 14.3223% | 4,280 |
| Total risk-based capital ratio | 15.5800% | 4,243 |
| Memoranda: | ||
| Average total assets | $181,076,500 | 3,334 |
| Average earning assets | $168,632,000 | 3,299 |
| Average equity | $20,940,000 | 3,140 |
| Average total loans | $137,628,000 | 2,767 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 2,422 |
| Cost of funding earning assets | 0.5850% | 4,490 |
| Net interest margin | 4.1572% | 1,790 |
| Noninterest income to average assets | 0.3251% | 5,133 |
| Noninterest expense to average assets | 3.0212% | 3,199 |
| Loan and lease loss provision to assets | 0.3074% | 2,221 |
| Net operating income to assets | 0.8966% | 2,835 |
| Return on assets (ROA) | 0.8966% | 3,073 |
| Pretax return on assets | 0.8966% | 3,933 |
| Return on Equity (ROE) | 7.7742% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.1058% | 2,016 |
| Net charge-offs to loans | 0.2016% | 3,766 |
| Credit loss provision to net charge-offs | 204.5455% | 1,254 |
| Earnings coverage of net charge-offs (x) | 8.0114% | 2,491 |
| Efficiency ratio | 71.5036% | 3,517 |
| Assets per employee ($millions) | 4.0386% | 3,872 |
| Cash dividends to net income (ytd only)* | 21.4603% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 2,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 5,985 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 76.8595% | 806 |
| Net loans and leases to deposits | 87.7829% | 1,300 |
| Net loans and leases to core deposits | 108.4583% | 594 |
| Total domestic deposits to total assets | 87.5563% | 2,502 |
| Equity capital to assets | 12.2763% | 1,870 |
| Core capital (leverage) ratio | 11.5441% | 1,845 |
| Tier 1 risk-based capital ratio | 15.4090% | 3,480 |
| Total risk-based capital ratio | 16.6678% | 3,438 |
| Memoranda: | ||
| Average total assets | $175,656,200 | 3,368 |
| Average earning assets | $164,798,000 | 3,309 |
| Average equity | $20,259,400 | 3,172 |
| Average total loans | $130,974,600 | 2,870 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 2,880 |
| Cost of funding earning assets | 0.5974% | 4,681 |
| Net interest margin | 4.0843% | 2,148 |
| Noninterest income to average assets | 0.3356% | 5,114 |
| Noninterest expense to average assets | 2.9335% | 3,468 |
| Loan and lease loss provision to assets | 0.3161% | 2,092 |
| Net operating income to assets | 0.9294% | 2,832 |
| Return on assets (ROA) | 0.9294% | 3,062 |
| Pretax return on assets | 0.9294% | 3,995 |
| Return on Equity (ROE) | 8.1847% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.5079% | 2,374 |
| Net charge-offs to loans | 0.2381% | 3,294 |
| Credit loss provision to net charge-offs | 180.2575% | 1,544 |
| Earnings coverage of net charge-offs (x) | 7.1030% | 2,661 |
| Efficiency ratio | 70.1963% | 3,652 |
| Assets per employee ($millions) | 4.1569% | 3,554 |
| Cash dividends to net income (ytd only)* | 20.4855% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 2,408 |
| Loan loss allowance to noncurrent loans | 1,554.3750% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 5,889 |
| Noncurrent loans to loans | 0.1237% | 6,299 |
| Net loans and leases to total assets | 72.6667% | 1,442 |
| Net loans and leases to deposits | 82.6200% | 2,039 |
| Net loans and leases to core deposits | 105.0780% | 799 |
| Total domestic deposits to total assets | 87.9528% | 2,071 |
| Equity capital to assets | 11.8026% | 2,432 |
| Core capital (leverage) ratio | 11.3110% | 2,127 |
| Tier 1 risk-based capital ratio | 15.7346% | 3,407 |
| Total risk-based capital ratio | 16.9934% | 3,366 |
| Memoranda: | ||
| Average total assets | $177,165,250 | 3,391 |
| Average earning assets | $166,713,500 | 3,314 |
| Average equity | $20,118,500 | 3,221 |
| Average total loans | $130,482,000 | 2,908 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 3,018 |
| Cost of funding earning assets | 0.6151% | 4,763 |
| Net interest margin | 4.0619% | 2,242 |
| Noninterest income to average assets | 0.3191% | 5,270 |
| Noninterest expense to average assets | 2.9063% | 3,590 |
| Loan and lease loss provision to assets | 0.3370% | 1,955 |
| Net operating income to assets | 0.8965% | 2,929 |
| Return on assets (ROA) | 0.8965% | 3,191 |
| Pretax return on assets | 0.8965% | 4,090 |
| Return on Equity (ROE) | 7.9976% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.2638% | 2,525 |
| Net charge-offs to loans | 0.1651% | 3,618 |
| Credit loss provision to net charge-offs | 277.7778% | 1,057 |
| Earnings coverage of net charge-offs (x) | 10.1667% | 2,087 |
| Efficiency ratio | 70.2035% | 3,733 |
| Assets per employee ($millions) | 4.0827% | 3,692 |
| Cash dividends to net income (ytd only)* | 21.6792% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9448% | 2,390 |
| Loan loss allowance to noncurrent loans | 1,013.0081% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 6,270 |
| Noncurrent loans to loans | 0.1920% | 6,201 |
| Net loans and leases to total assets | 73.2732% | 1,357 |
| Net loans and leases to deposits | 83.3000% | 1,945 |
| Net loans and leases to core deposits | 109.7290% | 585 |
| Total domestic deposits to total assets | 87.9630% | 2,167 |
| Equity capital to assets | 11.8188% | 2,296 |
| Core capital (leverage) ratio | 11.1670% | 2,150 |
| Tier 1 risk-based capital ratio | 15.8800% | 3,218 |
| Total risk-based capital ratio | 17.0782% | 3,226 |
| Memoranda: | ||
| Average total assets | $178,024,000 | 3,388 |
| Average earning assets | $167,459,670 | 3,305 |
| Average equity | $19,956,000 | 3,226 |
| Average total loans | $130,857,670 | 2,914 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 3,406 |
| Cost of funding earning assets | 0.6407% | 4,818 |
| Net interest margin | 3.9804% | 2,589 |
| Noninterest income to average assets | 0.2802% | 5,622 |
| Noninterest expense to average assets | 2.7998% | 4,027 |
| Loan and lease loss provision to assets | 0.3309% | 1,893 |
| Net operating income to assets | 0.8913% | 2,963 |
| Return on assets (ROA) | 0.8913% | 3,185 |
| Pretax return on assets | 0.8913% | 4,062 |
| Return on Equity (ROE) | 8.1612% | 3,211 |
| Retained earnings to average equity (ytd only) | 6.2825% | 2,803 |
| Net charge-offs to loans | 0.0424% | 4,102 |
| Credit loss provision to net charge-offs | 1,071.4286% | 322 |
| Earnings coverage of net charge-offs (x) | 39.5714% | 757 |
| Efficiency ratio | 69.6105% | 3,879 |
| Assets per employee ($millions) | 4.1701% | 3,645 |
| Cash dividends to net income (ytd only)* | 23.0198% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 2,695 |
| Loan loss allowance to noncurrent loans | 665.5738% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 6,116 |
| Noncurrent loans to loans | 0.2844% | 6,109 |
| Net loans and leases to total assets | 72.0879% | 1,388 |
| Net loans and leases to deposits | 81.5105% | 1,996 |
| Net loans and leases to core deposits | 109.6855% | 546 |
| Total domestic deposits to total assets | 88.4399% | 2,044 |
| Equity capital to assets | 11.3808% | 2,542 |
| Core capital (leverage) ratio | 10.4124% | 2,860 |
| Tier 1 risk-based capital ratio | 15.2227% | 3,607 |
| Total risk-based capital ratio | 16.4812% | 3,565 |
| Memoranda: | ||
| Average total assets | $181,300,000 | 3,357 |
| Average earning assets | $170,434,500 | 3,282 |
| Average equity | $19,801,000 | 3,249 |
| Average total loans | $132,219,000 | 2,905 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 3,178 |
| Cost of funding earning assets | 0.8435% | 4,520 |
| Net interest margin | 4.0922% | 2,456 |
| Noninterest income to average assets | 0.2548% | 5,707 |
| Noninterest expense to average assets | 3.0106% | 3,555 |
| Loan and lease loss provision to assets | 0.3367% | 3,003 |
| Net operating income to assets | 0.7301% | 3,336 |
| Return on assets (ROA) | 0.7301% | 3,513 |
| Pretax return on assets | 0.7245% | 4,241 |
| Return on Equity (ROE) | 6.8055% | 3,488 |
| Retained earnings to average equity (ytd only) | 5.0688% | 2,586 |
| Net charge-offs to loans | 0.0837% | 5,486 |
| Credit loss provision to net charge-offs | 535.7143% | 428 |
| Earnings coverage of net charge-offs (x) | 16.8839% | 1,299 |
| Efficiency ratio | 73.1395% | 3,369 |
| Assets per employee ($millions) | 4.5720% | 2,796 |
| Cash dividends to net income (ytd only)* | 25.5188% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 3,224 |
| Loan loss allowance to noncurrent loans | 1,513.1579% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 6,461 |
| Noncurrent loans to loans | 0.1120% | 6,532 |
| Net loans and leases to total assets | 71.1871% | 1,791 |
| Net loans and leases to deposits | 79.6751% | 2,583 |
| Net loans and leases to core deposits | 114.6014% | 480 |
| Total domestic deposits to total assets | 89.3467% | 1,334 |
| Equity capital to assets | 10.4927% | 3,546 |
| Core capital (leverage) ratio | 10.1832% | 3,110 |
| Tier 1 risk-based capital ratio | 14.1869% | 4,186 |
| Total risk-based capital ratio | 15.4434% | 4,134 |
| Memoranda: | ||
| Average total assets | $178,203,600 | 3,360 |
| Average earning assets | $166,219,200 | 3,306 |
| Average equity | $19,116,800 | 3,262 |
| Average total loans | $133,828,600 | 2,927 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 3,140 |
| Cost of funding earning assets | 0.8951% | 4,434 |
| Net interest margin | 4.0946% | 2,496 |
| Noninterest income to average assets | 0.2456% | 5,864 |
| Noninterest expense to average assets | 3.0215% | 3,479 |
| Loan and lease loss provision to assets | 0.3411% | 2,839 |
| Net operating income to assets | 0.7050% | 3,594 |
| Return on assets (ROA) | 0.7050% | 3,759 |
| Pretax return on assets | 0.6974% | 4,487 |
| Return on Equity (ROE) | 6.5335% | 3,749 |
| Retained earnings to average equity (ytd only) | 4.7631% | 3,341 |
| Net charge-offs to loans | 0.0350% | 5,657 |
| Credit loss provision to net charge-offs | 1,285.7143% | 215 |
| Earnings coverage of net charge-offs (x) | 39.1391% | 781 |
| Efficiency ratio | 73.4877% | 3,280 |
| Assets per employee ($millions) | 4.1659% | 3,509 |
| Cash dividends to net income (ytd only)* | 27.0966% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7038% | 3,253 |
| Loan loss allowance to noncurrent loans | 3,275.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 6,528 |
| Noncurrent loans to loans | 0.0520% | 6,804 |
| Net loans and leases to total assets | 71.7241% | 1,770 |
| Net loans and leases to deposits | 80.7013% | 2,564 |
| Net loans and leases to core deposits | 114.6668% | 535 |
| Total domestic deposits to total assets | 88.8760% | 1,499 |
| Equity capital to assets | 10.8533% | 3,285 |
| Core capital (leverage) ratio | 10.2782% | 3,104 |
| Tier 1 risk-based capital ratio | 14.3212% | 4,114 |
| Total risk-based capital ratio | 15.5846% | 4,064 |
| Memoranda: | ||
| Average total assets | $175,891,000 | 3,415 |
| Average earning assets | $163,853,000 | 3,359 |
| Average equity | $18,978,750 | 3,292 |
| Average total loans | $133,350,000 | 2,948 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 3,148 |
| Cost of funding earning assets | 0.9388% | 4,398 |
| Net interest margin | 4.0628% | 2,559 |
| Noninterest income to average assets | 0.2391% | 5,938 |
| Noninterest expense to average assets | 3.0399% | 3,482 |
| Loan and lease loss provision to assets | 0.3432% | 2,726 |
| Net operating income to assets | 0.6601% | 3,743 |
| Return on assets (ROA) | 0.6601% | 3,866 |
| Pretax return on assets | 0.6487% | 4,576 |
| Return on Equity (ROE) | 6.1304% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.3029% | 3,456 |
| Net charge-offs to loans | 0.0015% | 5,866 |
| Credit loss provision to net charge-offs | 30,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 867.0000% | 30 |
| Efficiency ratio | 74.4608% | 3,278 |
| Assets per employee ($millions) | 4.3141% | 3,144 |
| Cash dividends to net income (ytd only)* | 29.8094% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 3,778 |
| Loan loss allowance to noncurrent loans | 1,199.4318% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 6,360 |
| Noncurrent loans to loans | 0.1318% | 6,648 |
| Net loans and leases to total assets | 72.5482% | 1,675 |
| Net loans and leases to deposits | 81.3150% | 2,552 |
| Net loans and leases to core deposits | 115.2126% | 539 |
| Total domestic deposits to total assets | 89.2187% | 1,406 |
| Equity capital to assets | 10.5583% | 3,434 |
| Core capital (leverage) ratio | 10.0089% | 3,251 |
| Tier 1 risk-based capital ratio | 13.6990% | 4,387 |
| Total risk-based capital ratio | 14.9533% | 4,356 |
| Memoranda: | ||
| Average total assets | $174,809,670 | 3,450 |
| Average earning assets | $163,187,330 | 3,385 |
| Average equity | $18,824,330 | 3,287 |
| Average total loans | $134,230,000 | 2,960 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 2,900 |
| Cost of funding earning assets | 0.9834% | 4,321 |
| Net interest margin | 4.0586% | 2,443 |
| Noninterest income to average assets | 0.2377% | 6,006 |
| Noninterest expense to average assets | 3.0929% | 3,276 |
| Loan and lease loss provision to assets | 0.3496% | 2,465 |
| Net operating income to assets | 0.6083% | 3,993 |
| Return on assets (ROA) | 0.6083% | 4,060 |
| Pretax return on assets | 0.5850% | 4,744 |
| Return on Equity (ROE) | 5.5916% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.6206% | 4,012 |
| Net charge-offs to loans | -0.0446% | 6,840 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8102% | 3,186 |
| Assets per employee ($millions) | 4.1501% | 3,539 |
| Cash dividends to net income (ytd only)* | 35.2490% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 4,409 |
| Loan loss allowance to noncurrent loans | 182.2120% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 5,118 |
| Noncurrent loans to loans | 0.7998% | 5,432 |
| Net loans and leases to total assets | 76.6924% | 927 |
| Net loans and leases to deposits | 86.1178% | 1,710 |
| Net loans and leases to core deposits | 123.4513% | 357 |
| Total domestic deposits to total assets | 89.0553% | 1,737 |
| Equity capital to assets | 10.7668% | 2,907 |
| Core capital (leverage) ratio | 10.5781% | 2,530 |
| Tier 1 risk-based capital ratio | 13.4129% | 4,489 |
| Total risk-based capital ratio | 14.6653% | 4,471 |
| Memoranda: | ||
| Average total assets | $171,617,500 | 3,525 |
| Average earning assets | $160,254,000 | 3,459 |
| Average equity | $18,671,000 | 3,297 |
| Average total loans | $134,563,000 | 2,991 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3348% | 2,958 |
| Cost of funding earning assets | 1.3520% | 3,557 |
| Net interest margin | 3.9827% | 3,092 |
| Noninterest income to average assets | 0.2872% | 5,731 |
| Noninterest expense to average assets | 3.0881% | 3,509 |
| Loan and lease loss provision to assets | 0.4073% | 3,667 |
| Net operating income to assets | 0.4979% | 4,105 |
| Return on assets (ROA) | 0.5256% | 4,135 |
| Pretax return on assets | 0.5327% | 4,522 |
| Return on Equity (ROE) | 5.3146% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.8036% | 2,540 |
| Net charge-offs to loans | 0.2681% | 4,688 |
| Credit loss provision to net charge-offs | 191.8768% | 1,674 |
| Earnings coverage of net charge-offs (x) | 4.2969% | 2,982 |
| Efficiency ratio | 76.2188% | 3,023 |
| Assets per employee ($millions) | 4.1203% | 3,538 |
| Cash dividends to net income (ytd only)* | 9.6154% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 4,708 |
| Loan loss allowance to noncurrent loans | 138.5321% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 4,842 |
| Noncurrent loans to loans | 0.9800% | 5,095 |
| Net loans and leases to total assets | 77.9366% | 954 |
| Net loans and leases to deposits | 87.7832% | 1,830 |
| Net loans and leases to core deposits | 125.6001% | 393 |
| Total domestic deposits to total assets | 88.7830% | 1,775 |
| Equity capital to assets | 10.9956% | 2,690 |
| Core capital (leverage) ratio | 10.4529% | 2,605 |
| Tier 1 risk-based capital ratio | 13.5468% | 4,166 |
| Total risk-based capital ratio | 14.7989% | 4,131 |
| Memoranda: | ||
| Average total assets | $168,193,400 | 3,572 |
| Average earning assets | $156,802,000 | 3,508 |
| Average equity | $16,633,400 | 3,657 |
| Average total loans | $133,180,200 | 3,066 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 2,847 |
| Cost of funding earning assets | 1.4217% | 3,446 |
| Net interest margin | 3.9845% | 3,173 |
| Noninterest income to average assets | 0.2651% | 5,994 |
| Noninterest expense to average assets | 3.0759% | 3,447 |
| Loan and lease loss provision to assets | 0.4246% | 3,365 |
| Net operating income to assets | 0.4741% | 4,422 |
| Return on assets (ROA) | 0.5111% | 4,458 |
| Pretax return on assets | 0.5182% | 4,865 |
| Return on Equity (ROE) | 5.3174% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.3174% | 2,757 |
| Net charge-offs to loans | 0.2574% | 4,402 |
| Credit loss provision to net charge-offs | 208.1712% | 1,698 |
| Earnings coverage of net charge-offs (x) | 4.4397% | 3,049 |
| Efficiency ratio | 76.2607% | 2,895 |
| Assets per employee ($millions) | 4.0964% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 4,764 |
| Loan loss allowance to noncurrent loans | 550.9375% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 6,170 |
| Noncurrent loans to loans | 0.2428% | 6,685 |
| Net loans and leases to total assets | 77.4199% | 1,143 |
| Net loans and leases to deposits | 87.3686% | 2,104 |
| Net loans and leases to core deposits | 124.5906% | 484 |
| Total domestic deposits to total assets | 88.6129% | 1,613 |
| Equity capital to assets | 11.0596% | 2,903 |
| Core capital (leverage) ratio | 10.5000% | 2,689 |
| Tier 1 risk-based capital ratio | 13.3536% | 4,310 |
| Total risk-based capital ratio | 14.6046% | 4,273 |
| Memoranda: | ||
| Average total assets | $168,009,000 | 3,620 |
| Average earning assets | $156,704,250 | 3,555 |
| Average equity | $16,148,000 | 3,781 |
| Average total loans | $133,107,500 | 3,120 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4253% | 2,864 |
| Cost of funding earning assets | 1.5209% | 3,126 |
| Net interest margin | 3.9044% | 3,426 |
| Noninterest income to average assets | 0.2642% | 6,027 |
| Noninterest expense to average assets | 3.0376% | 3,561 |
| Loan and lease loss provision to assets | 0.3868% | 3,400 |
| Net operating income to assets | 0.4690% | 4,466 |
| Return on assets (ROA) | 0.4690% | 4,629 |
| Pretax return on assets | 0.4761% | 4,978 |
| Return on Equity (ROE) | 5.1372% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.1372% | 2,826 |
| Net charge-offs to loans | 0.1617% | 4,649 |
| Credit loss provision to net charge-offs | 300.9259% | 1,215 |
| Earnings coverage of net charge-offs (x) | 6.7130% | 2,412 |
| Efficiency ratio | 76.8691% | 2,919 |
| Assets per employee ($millions) | 4.3138% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 4,955 |
| Loan loss allowance to noncurrent loans | 1,001.1765% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 6,414 |
| Noncurrent loans to loans | 0.1293% | 7,007 |
| Net loans and leases to total assets | 77.1489% | 1,266 |
| Net loans and leases to deposits | 86.7200% | 2,392 |
| Net loans and leases to core deposits | 126.6904% | 494 |
| Total domestic deposits to total assets | 88.9632% | 1,464 |
| Equity capital to assets | 10.7360% | 3,143 |
| Core capital (leverage) ratio | 10.0148% | 3,148 |
| Tier 1 risk-based capital ratio | 13.0454% | 4,402 |
| Total risk-based capital ratio | 14.2962% | 4,355 |
| Memoranda: | ||
| Average total assets | $168,027,670 | 3,637 |
| Average earning assets | $156,490,330 | 3,587 |
| Average equity | $15,339,000 | 3,928 |
| Average total loans | $133,546,000 | 3,139 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 3,176 |
| Cost of funding earning assets | 1.6048% | 2,932 |
| Net interest margin | 3.7683% | 3,923 |
| Noninterest income to average assets | 0.2882% | 5,837 |
| Noninterest expense to average assets | 3.0466% | 3,493 |
| Loan and lease loss provision to assets | 0.3573% | 3,232 |
| Net operating income to assets | 0.3787% | 4,937 |
| Return on assets (ROA) | 0.3787% | 5,066 |
| Pretax return on assets | 0.3859% | 5,341 |
| Return on Equity (ROE) | 4.5502% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.5502% | 3,422 |
| Net charge-offs to loans | 0.2140% | 3,634 |
| Credit loss provision to net charge-offs | 208.3333% | 1,786 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,657 |
| Efficiency ratio | 79.3212% | 2,670 |
| Assets per employee ($millions) | 4.3676% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 5,704 |
| Loan loss allowance to noncurrent loans | 1,070.5479% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 6,483 |
| Noncurrent loans to loans | 0.1085% | 7,128 |
| Net loans and leases to total assets | 78.0504% | 1,149 |
| Net loans and leases to deposits | 85.3917% | 2,705 |
| Net loans and leases to core deposits | 121.6514% | 721 |
| Total domestic deposits to total assets | 91.4029% | 406 |
| Equity capital to assets | 8.2701% | 6,345 |
| Core capital (leverage) ratio | 7.8134% | 6,479 |
| Tier 1 risk-based capital ratio | 10.3734% | 6,736 |
| Total risk-based capital ratio | 11.6141% | 6,746 |
| Memoranda: | ||
| Average total assets | $167,923,000 | 3,697 |
| Average earning assets | $156,036,500 | 3,647 |
| Average equity | $13,977,500 | 4,252 |
| Average total loans | $134,571,500 | 3,173 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8864% | 2,294 |
| Cost of funding earning assets | 2.0841% | 2,547 |
| Net interest margin | 3.8024% | 3,695 |
| Noninterest income to average assets | 0.3377% | 5,675 |
| Noninterest expense to average assets | 3.2331% | 3,264 |
| Loan and lease loss provision to assets | 0.2869% | 5,133 |
| Net operating income to assets | 0.3466% | 4,333 |
| Return on assets (ROA) | 0.3779% | 4,318 |
| Pretax return on assets | 0.3957% | 4,509 |
| Return on Equity (ROE) | 4.2091% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.2091% | 2,273 |
| Net charge-offs to loans | 0.0264% | 6,877 |
| Credit loss provision to net charge-offs | 1,318.1818% | 228 |
| Earnings coverage of net charge-offs (x) | 29.8485% | 771 |
| Efficiency ratio | 82.1471% | 2,577 |
| Assets per employee ($millions) | 4.2438% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 5,885 |
| Loan loss allowance to noncurrent loans | 297.5952% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 6,557 |
| Noncurrent loans to loans | 0.3706% | 6,537 |
| Net loans and leases to total assets | 80.4465% | 914 |
| Net loans and leases to deposits | 88.1150% | 2,542 |
| Net loans and leases to core deposits | 176.0971% | 185 |
| Total domestic deposits to total assets | 91.2972% | 436 |
| Equity capital to assets | 8.3789% | 6,084 |
| Core capital (leverage) ratio | 7.8431% | 6,399 |
| Tier 1 risk-based capital ratio | 10.4783% | 6,412 |
| Total risk-based capital ratio | 11.6853% | 6,433 |
| Memoranda: | ||
| Average total assets | $151,620,200 | 3,930 |
| Average earning assets | $141,359,000 | 3,867 |
| Average equity | $13,613,200 | 4,355 |
| Average total loans | $124,785,000 | 3,383 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9478% | 2,239 |
| Cost of funding earning assets | 2.1628% | 2,586 |
| Net interest margin | 3.7849% | 3,716 |
| Noninterest income to average assets | 0.3474% | 5,719 |
| Noninterest expense to average assets | 3.2444% | 3,141 |
| Loan and lease loss provision to assets | 0.2835% | 4,710 |
| Net operating income to assets | 0.3298% | 4,678 |
| Return on assets (ROA) | 0.3726% | 4,610 |
| Pretax return on assets | 0.3924% | 4,817 |
| Return on Equity (ROE) | 4.0739% | 4,346 |
| Retained earnings to average equity (ytd only) | 4.0739% | 3,000 |
| Net charge-offs to loans | 0.0360% | 6,399 |
| Credit loss provision to net charge-offs | 954.5455% | 394 |
| Earnings coverage of net charge-offs (x) | 21.2418% | 1,208 |
| Efficiency ratio | 82.5592% | 2,503 |
| Assets per employee ($millions) | 4.1198% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 6,127 |
| Loan loss allowance to noncurrent loans | 389.1738% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 6,642 |
| Noncurrent loans to loans | 0.2636% | 6,848 |
| Net loans and leases to total assets | 82.0212% | 811 |
| Net loans and leases to deposits | 90.1409% | 2,554 |
| Net loans and leases to core deposits | 165.9627% | 306 |
| Total domestic deposits to total assets | 90.9923% | 419 |
| Equity capital to assets | 8.5503% | 6,184 |
| Core capital (leverage) ratio | 8.1891% | 6,037 |
| Tier 1 risk-based capital ratio | 10.5484% | 6,416 |
| Total risk-based capital ratio | 11.6815% | 6,491 |
| Memoranda: | ||
| Average total assets | $148,147,750 | 4,004 |
| Average earning assets | $138,087,500 | 3,963 |
| Average equity | $13,549,500 | 4,405 |
| Average total loans | $122,323,250 | 3,464 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0412% | 2,013 |
| Cost of funding earning assets | 2.2526% | 2,563 |
| Net interest margin | 3.7886% | 3,596 |
| Noninterest income to average assets | 0.3653% | 5,587 |
| Noninterest expense to average assets | 3.3312% | 2,849 |
| Loan and lease loss provision to assets | 0.2362% | 4,701 |
| Net operating income to assets | 0.3049% | 4,877 |
| Return on assets (ROA) | 0.3584% | 4,767 |
| Pretax return on assets | 0.3806% | 4,992 |
| Return on Equity (ROE) | 3.8260% | 4,568 |
| Retained earnings to average equity (ytd only) | 3.8260% | 3,164 |
| Net charge-offs to loans | 0.0438% | 5,853 |
| Credit loss provision to net charge-offs | 653.8462% | 709 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,592 |
| Efficiency ratio | 84.4341% | 2,430 |
| Assets per employee ($millions) | 4.1517% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 6,294 |
| Loan loss allowance to noncurrent loans | 30,675.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 7,239 |
| Noncurrent loans to loans | 0.0032% | 7,567 |
| Net loans and leases to total assets | 79.5335% | 1,392 |
| Net loans and leases to deposits | 87.6483% | 3,231 |
| Net loans and leases to core deposits | 164.5937% | 385 |
| Total domestic deposits to total assets | 90.7416% | 538 |
| Equity capital to assets | 8.7916% | 5,611 |
| Core capital (leverage) ratio | 8.2574% | 5,874 |
| Tier 1 risk-based capital ratio | 10.9082% | 5,975 |
| Total risk-based capital ratio | 11.9751% | 6,104 |
| Memoranda: | ||
| Average total assets | $143,972,670 | 4,104 |
| Average earning assets | $133,980,000 | 4,069 |
| Average equity | $13,486,670 | 4,424 |
| Average total loans | $118,713,670 | 3,565 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1115% | 1,906 |
| Cost of funding earning assets | 2.3335% | 2,560 |
| Net interest margin | 3.7780% | 3,543 |
| Noninterest income to average assets | 0.3449% | 5,694 |
| Noninterest expense to average assets | 3.2942% | 2,673 |
| Loan and lease loss provision to assets | 0.2300% | 4,151 |
| Net operating income to assets | 0.3196% | 5,217 |
| Return on assets (ROA) | 0.3737% | 5,148 |
| Pretax return on assets | 0.3967% | 5,407 |
| Return on Equity (ROE) | 3.8583% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.8583% | 3,744 |
| Net charge-offs to loans | 0.0687% | 4,512 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 2,002 |
| Efficiency ratio | 84.0774% | 2,296 |
| Assets per employee ($millions) | 3.7661% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 6,452 |
| Loan loss allowance to noncurrent loans | 1,284.2697% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 7,203 |
| Noncurrent loans to loans | 0.0745% | 7,315 |
| Net loans and leases to total assets | 80.5904% | 1,278 |
| Net loans and leases to deposits | 89.1372% | 3,083 |
| Net loans and leases to core deposits | 158.3497% | 518 |
| Total domestic deposits to total assets | 90.4116% | 634 |
| Equity capital to assets | 9.2187% | 5,065 |
| Core capital (leverage) ratio | 8.7788% | 5,023 |
| Tier 1 risk-based capital ratio | 11.1085% | 5,806 |
| Total risk-based capital ratio | 12.1324% | 5,919 |
| Memoranda: | ||
| Average total assets | $139,153,000 | 4,204 |
| Average earning assets | $129,591,000 | 4,166 |
| Average equity | $13,477,500 | 4,457 |
| Average total loans | $116,370,500 | 3,644 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1330% | 852 |
| Cost of funding earning assets | 2.8124% | 2,654 |
| Net interest margin | 4.3206% | 1,917 |
| Noninterest income to average assets | 0.3627% | 5,816 |
| Noninterest expense to average assets | 3.5859% | 2,190 |
| Loan and lease loss provision to assets | 0.1561% | 5,368 |
| Net operating income to assets | 0.5851% | 4,368 |
| Return on assets (ROA) | 0.6023% | 4,158 |
| Pretax return on assets | 0.6208% | 4,624 |
| Return on Equity (ROE) | 6.2379% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.2379% | 1,411 |
| Net charge-offs to loans | 0.0209% | 6,569 |
| Credit loss provision to net charge-offs | 925.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 824 |
| Efficiency ratio | 81.2464% | 2,404 |
| Assets per employee ($millions) | 3.4587% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 6,364 |
| Loan loss allowance to noncurrent loans | 3,384.3750% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 7,503 |
| Noncurrent loans to loans | 0.0283% | 7,399 |
| Net loans and leases to total assets | 85.3283% | 681 |
| Net loans and leases to deposits | 95.3599% | 2,552 |
| Net loans and leases to core deposits | 155.8376% | 672 |
| Total domestic deposits to total assets | 89.4803% | 856 |
| Equity capital to assets | 10.2070% | 3,800 |
| Core capital (leverage) ratio | 9.5367% | 3,966 |
| Tier 1 risk-based capital ratio | 11.3143% | 5,423 |
| Total risk-based capital ratio | 12.3143% | 5,555 |
| Memoranda: | ||
| Average total assets | $118,548,000 | 4,561 |
| Average earning assets | $109,266,600 | 4,529 |
| Average equity | $11,446,200 | 4,986 |
| Average total loans | $95,675,200 | 4,065 |