Home > The Bank and Trust, S.S.B. > Performance and Condition Ratios
The Bank and Trust, S.S.B., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 2,927 |
| Cost of funding earning assets | 0.5159% | 4,181 |
| Net interest margin | 4.0689% | 1,105 |
| Noninterest income to average assets | 1.4100% | 417 |
| Noninterest expense to average assets | 3.6121% | 502 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5191% | 976 |
| Return on assets (ROA) | 1.5191% | 948 |
| Pretax return on assets | 1.5191% | 1,376 |
| Return on Equity (ROE) | 23.5000% | 373 |
| Retained earnings to average equity (ytd only) | 11.1568% | 759 |
| Net charge-offs to loans | 0.0207% | 1,927 |
| Credit loss provision to net charge-offs | 576.4706% | 609 |
| Earnings coverage of net charge-offs (x) | 126.2647% | 795 |
| Efficiency ratio | 69.4122% | 1,970 |
| Assets per employee ($millions) | 4.0706% | 4,134 |
| Cash dividends to net income (ytd only)* | 52.5262% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,595 |
| Loan loss allowance to noncurrent loans | 942.1308% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,036 |
| Noncurrent loans to loans | 0.1212% | 2,913 |
| Net loans and leases to total assets | 62.7100% | 2,605 |
| Net loans and leases to deposits | 68.1667% | 3,018 |
| Net loans and leases to core deposits | 71.8360% | 3,202 |
| Total domestic deposits to total assets | 91.9900% | 311 |
| Equity capital to assets | 7.2038% | 3,859 |
| Core capital (leverage) ratio | 9.5180% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5627% | 833 |
| Memoranda: | ||
| Average total assets | $539,413,400 | 1,644 |
| Average earning assets | $503,010,600 | 1,628 |
| Average equity | $34,866,600 | 2,059 |
| Average total loans | $328,389,200 | 1,693 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 3,019 |
| Cost of funding earning assets | 0.4288% | 4,223 |
| Net interest margin | 4.0141% | 1,198 |
| Noninterest income to average assets | 1.3700% | 438 |
| Noninterest expense to average assets | 3.5411% | 525 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5063% | 1,109 |
| Return on assets (ROA) | 1.5063% | 1,099 |
| Pretax return on assets | 1.5063% | 1,542 |
| Return on Equity (ROE) | 23.9900% | 438 |
| Retained earnings to average equity (ytd only) | 12.9529% | 821 |
| Net charge-offs to loans | 0.0045% | 2,319 |
| Credit loss provision to net charge-offs | 2,572.7273% | 184 |
| Earnings coverage of net charge-offs (x) | 580.2727% | 270 |
| Efficiency ratio | 69.1985% | 1,879 |
| Assets per employee ($millions) | 4.1962% | 4,082 |
| Cash dividends to net income (ytd only)* | 46.0000% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,594 |
| Loan loss allowance to noncurrent loans | 10,968.5714% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,798 |
| Noncurrent loans to loans | 0.0105% | 3,722 |
| Net loans and leases to total assets | 61.1600% | 2,736 |
| Net loans and leases to deposits | 65.8238% | 3,145 |
| Net loans and leases to core deposits | 69.1012% | 3,260 |
| Total domestic deposits to total assets | 92.9200% | 311 |
| Equity capital to assets | 6.3191% | 3,890 |
| Core capital (leverage) ratio | 9.5162% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7962% | 841 |
| Memoranda: | ||
| Average total assets | $539,938,250 | 1,644 |
| Average earning assets | $503,447,000 | 1,624 |
| Average equity | $33,906,500 | 2,089 |
| Average total loans | $325,278,000 | 1,700 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 2,943 |
| Cost of funding earning assets | 0.3418% | 4,254 |
| Net interest margin | 4.0341% | 1,189 |
| Noninterest income to average assets | 1.3400% | 372 |
| Noninterest expense to average assets | 3.5054% | 536 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5157% | 1,071 |
| Return on assets (ROA) | 1.5157% | 1,070 |
| Pretax return on assets | 1.5157% | 1,564 |
| Return on Equity (ROE) | 24.1900% | 414 |
| Retained earnings to average equity (ytd only) | 16.2384% | 444 |
| Net charge-offs to loans | 0.0062% | 2,020 |
| Credit loss provision to net charge-offs | 2,110.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 431.0000% | 341 |
| Efficiency ratio | 68.7455% | 1,892 |
| Assets per employee ($millions) | 4.2492% | 4,086 |
| Cash dividends to net income (ytd only)* | 32.8617% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 2,704 |
| Loan loss allowance to noncurrent loans | 10,768.5714% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,795 |
| Noncurrent loans to loans | 0.0107% | 3,704 |
| Net loans and leases to total assets | 60.9300% | 2,684 |
| Net loans and leases to deposits | 65.5563% | 3,088 |
| Net loans and leases to core deposits | 68.5650% | 3,204 |
| Total domestic deposits to total assets | 92.9400% | 261 |
| Equity capital to assets | 6.5844% | 3,959 |
| Core capital (leverage) ratio | 9.3537% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1802% | 933 |
| Memoranda: | ||
| Average total assets | $540,878,667 | 1,631 |
| Average earning assets | $503,811,000 | 1,621 |
| Average equity | $33,895,000 | 2,101 |
| Average total loans | $322,921,333 | 1,694 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 2,750 |
| Cost of funding earning assets | 0.2515% | 4,293 |
| Net interest margin | 4.0686% | 1,146 |
| Noninterest income to average assets | 1.3300% | 377 |
| Noninterest expense to average assets | 3.4243% | 587 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.6147% | 952 |
| Return on assets (ROA) | 1.6147% | 954 |
| Pretax return on assets | 1.6147% | 1,426 |
| Return on Equity (ROE) | 26.4200% | 344 |
| Retained earnings to average equity (ytd only) | 17.6520% | 546 |
| Net charge-offs to loans | 0.0037% | 1,860 |
| Credit loss provision to net charge-offs | 3,766.6667% | 115 |
| Earnings coverage of net charge-offs (x) | 772.0000% | 147 |
| Efficiency ratio | 66.8575% | 2,105 |
| Assets per employee ($millions) | 3.9697% | 4,268 |
| Cash dividends to net income (ytd only)* | 33.1820% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 2,890 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.5600% | 2,815 |
| Net loans and leases to deposits | 62.7767% | 3,180 |
| Net loans and leases to core deposits | 65.6549% | 3,254 |
| Total domestic deposits to total assets | 93.2800% | 261 |
| Equity capital to assets | 6.1878% | 4,142 |
| Core capital (leverage) ratio | 9.0412% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8969% | 1,006 |
| Memoranda: | ||
| Average total assets | $545,741,500 | 1,638 |
| Average earning assets | $508,969,000 | 1,626 |
| Average equity | $33,356,000 | 2,149 |
| Average total loans | $320,679,000 | 1,720 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 2,748 |
| Cost of funding earning assets | 0.1991% | 3,761 |
| Net interest margin | 3.4196% | 2,187 |
| Noninterest income to average assets | 1.4200% | 369 |
| Noninterest expense to average assets | 3.0145% | 949 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.5608% | 759 |
| Return on assets (ROA) | 1.5368% | 775 |
| Pretax return on assets | 1.5368% | 1,336 |
| Return on Equity (ROE) | 24.3700% | 232 |
| Retained earnings to average equity (ytd only) | 10.9391% | 900 |
| Net charge-offs to loans | 0.0337% | 1,401 |
| Credit loss provision to net charge-offs | 335.6436% | 856 |
| Earnings coverage of net charge-offs (x) | 91.1782% | 1,017 |
| Efficiency ratio | 65.0393% | 2,361 |
| Assets per employee ($millions) | 3.8018% | 4,349 |
| Cash dividends to net income (ytd only)* | 55.1179% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 2,755 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 57.6300% | 2,851 |
| Net loans and leases to deposits | 61.7454% | 3,217 |
| Net loans and leases to core deposits | 64.8653% | 3,213 |
| Total domestic deposits to total assets | 93.3400% | 338 |
| Equity capital to assets | 6.0357% | 4,077 |
| Core capital (leverage) ratio | 8.4566% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7159% | 1,023 |
| Memoranda: | ||
| Average total assets | $568,315,400 | 1,564 |
| Average earning assets | $533,805,600 | 1,541 |
| Average equity | $35,834,800 | 2,078 |
| Average total loans | $299,431,000 | 1,720 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4206% | 2,859 |
| Cost of funding earning assets | 0.1940% | 3,345 |
| Net interest margin | 3.2266% | 2,545 |
| Noninterest income to average assets | 1.2900% | 438 |
| Noninterest expense to average assets | 2.9058% | 1,041 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.3570% | 1,199 |
| Return on assets (ROA) | 1.3570% | 1,172 |
| Pretax return on assets | 1.3570% | 1,859 |
| Return on Equity (ROE) | 21.3100% | 333 |
| Retained earnings to average equity (ytd only) | 14.3679% | 424 |
| Net charge-offs to loans | 0.0361% | 1,139 |
| Credit loss provision to net charge-offs | 342.5000% | 756 |
| Earnings coverage of net charge-offs (x) | 76.5125% | 1,064 |
| Efficiency ratio | 67.1638% | 2,134 |
| Assets per employee ($millions) | 4.0737% | 4,288 |
| Cash dividends to net income (ytd only)* | 32.5637% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,791 |
| 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 | 53.8200% | 3,123 |
| Net loans and leases to deposits | 56.9366% | 3,407 |
| Net loans and leases to core deposits | 59.9675% | 3,389 |
| Total domestic deposits to total assets | 94.5300% | 283 |
| Equity capital to assets | 5.1737% | 4,245 |
| Core capital (leverage) ratio | 8.0975% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7837% | 1,028 |
| Memoranda: | ||
| Average total assets | $574,478,250 | 1,562 |
| Average earning assets | $540,744,500 | 1,531 |
| Average equity | $36,590,000 | 2,085 |
| Average total loans | $295,067,750 | 1,736 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 2,800 |
| Cost of funding earning assets | 0.1938% | 2,994 |
| Net interest margin | 3.0864% | 2,577 |
| Noninterest income to average assets | 1.3056% | 425 |
| Noninterest expense to average assets | 2.7606% | 1,249 |
| Loan and lease loss provision to assets | 0.0190% | 2,262 |
| Net operating income to assets | 1.4321% | 832 |
| Return on assets (ROA) | 1.4321% | 817 |
| Pretax return on assets | 1.4321% | 1,353 |
| Return on Equity (ROE) | 21.1963% | 230 |
| Retained earnings to average equity (ytd only) | 14.2179% | 337 |
| Net charge-offs to loans | 0.0357% | 1,027 |
| Credit loss provision to net charge-offs | 105.7692% | 1,240 |
| Earnings coverage of net charge-offs (x) | 80.7308% | 926 |
| Efficiency ratio | 65.5450% | 2,568 |
| Assets per employee ($millions) | 4.7908% | 3,851 |
| Cash dividends to net income (ytd only)* | 32.9230% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 3,044 |
| Loan loss allowance to noncurrent loans | 27,766.6667% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,049 |
| Noncurrent loans to loans | 0.0041% | 3,968 |
| Net loans and leases to total assets | 51.1811% | 3,247 |
| Net loans and leases to deposits | 54.2023% | 3,524 |
| Net loans and leases to core deposits | 57.4079% | 3,470 |
| Total domestic deposits to total assets | 94.4261% | 208 |
| Equity capital to assets | 5.3534% | 4,407 |
| Core capital (leverage) ratio | 7.7575% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8476% | 1,013 |
| Memoranda: | ||
| Average total assets | $578,580,000 | 1,548 |
| Average earning assets | $544,776,333 | 1,535 |
| Average equity | $39,091,667 | 2,039 |
| Average total loans | $291,393,333 | 1,750 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0989% | 2,987 |
| Cost of funding earning assets | 0.1930% | 2,894 |
| Net interest margin | 2.9059% | 2,819 |
| Noninterest income to average assets | 1.3074% | 422 |
| Noninterest expense to average assets | 2.7995% | 1,157 |
| Loan and lease loss provision to assets | 0.0192% | 2,011 |
| Net operating income to assets | 1.2265% | 1,178 |
| Return on assets (ROA) | 1.2265% | 1,162 |
| Pretax return on assets | 1.2265% | 1,712 |
| Return on Equity (ROE) | 16.4786% | 484 |
| Retained earnings to average equity (ytd only) | 11.2409% | 735 |
| Net charge-offs to loans | 0.0539% | 752 |
| Credit loss provision to net charge-offs | 71.7949% | 1,133 |
| Earnings coverage of net charge-offs (x) | 46.5385% | 946 |
| Efficiency ratio | 69.2060% | 2,343 |
| Assets per employee ($millions) | 5.3003% | 3,485 |
| Cash dividends to net income (ytd only)* | 31.7851% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 3,138 |
| Loan loss allowance to noncurrent loans | 17,463.1579% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,073 |
| Noncurrent loans to loans | 0.0065% | 3,981 |
| Net loans and leases to total assets | 48.7901% | 3,303 |
| Net loans and leases to deposits | 53.0181% | 3,495 |
| Net loans and leases to core deposits | 56.0292% | 3,445 |
| Total domestic deposits to total assets | 92.0254% | 571 |
| Equity capital to assets | 6.8198% | 4,294 |
| Core capital (leverage) ratio | 7.6386% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6438% | 1,116 |
| Memoranda: | ||
| Average total assets | $582,816,500 | 1,551 |
| Average earning assets | $549,091,500 | 1,534 |
| Average equity | $43,377,500 | 1,942 |
| Average total loans | $289,530,500 | 1,742 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3212% | 3,142 |
| Cost of funding earning assets | 0.2181% | 3,278 |
| Net interest margin | 3.1031% | 2,892 |
| Noninterest income to average assets | 1.3633% | 587 |
| Noninterest expense to average assets | 2.9287% | 1,099 |
| Loan and lease loss provision to assets | 0.0080% | 2,924 |
| Net operating income to assets | 1.3375% | 1,485 |
| Return on assets (ROA) | 1.3440% | 1,497 |
| Pretax return on assets | 1.3440% | 2,225 |
| Return on Equity (ROE) | 15.7836% | 790 |
| Retained earnings to average equity (ytd only) | 7.7360% | 1,646 |
| Net charge-offs to loans | 0.0210% | 1,848 |
| Credit loss provision to net charge-offs | 70.4918% | 2,014 |
| Earnings coverage of net charge-offs (x) | 118.9016% | 787 |
| Efficiency ratio | 68.5213% | 1,919 |
| Assets per employee ($millions) | 4.8109% | 3,877 |
| Cash dividends to net income (ytd only)* | 50.9869% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 3,115 |
| Loan loss allowance to noncurrent loans | 5,284.1270% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,043 |
| Noncurrent loans to loans | 0.0218% | 3,911 |
| Net loans and leases to total assets | 49.4311% | 3,356 |
| Net loans and leases to deposits | 54.4828% | 3,560 |
| Net loans and leases to core deposits | 58.1455% | 3,461 |
| Total domestic deposits to total assets | 90.7278% | 612 |
| Equity capital to assets | 8.0775% | 4,320 |
| Core capital (leverage) ratio | 7.5386% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1914% | 1,008 |
| Memoranda: | ||
| Average total assets | $539,070,600 | 1,602 |
| Average earning assets | $505,695,800 | 1,587 |
| Average equity | $45,902,200 | 1,897 |
| Average total loans | $290,267,600 | 1,746 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3472% | 3,258 |
| Cost of funding earning assets | 0.2246% | 3,379 |
| Net interest margin | 3.1226% | 2,991 |
| Noninterest income to average assets | 1.3617% | 639 |
| Noninterest expense to average assets | 2.9000% | 1,128 |
| Loan and lease loss provision to assets | 0.0036% | 2,902 |
| Net operating income to assets | 1.3851% | 1,588 |
| Return on assets (ROA) | 1.3940% | 1,628 |
| Pretax return on assets | 1.3940% | 2,362 |
| Return on Equity (ROE) | 16.1443% | 919 |
| Retained earnings to average equity (ytd only) | 6.9290% | 2,446 |
| Net charge-offs to loans | 0.0349% | 1,380 |
| Credit loss provision to net charge-offs | 18.4211% | 1,998 |
| Earnings coverage of net charge-offs (x) | 72.5658% | 1,045 |
| Efficiency ratio | 67.6198% | 1,885 |
| Assets per employee ($millions) | 4.6383% | 4,017 |
| Cash dividends to net income (ytd only)* | 57.0809% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 3,332 |
| Loan loss allowance to noncurrent loans | 4,439.1892% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,132 |
| Noncurrent loans to loans | 0.0253% | 4,015 |
| Net loans and leases to total assets | 51.5287% | 3,246 |
| Net loans and leases to deposits | 57.0221% | 3,488 |
| Net loans and leases to core deposits | 60.9393% | 3,404 |
| Total domestic deposits to total assets | 90.3662% | 612 |
| Equity capital to assets | 8.3719% | 4,292 |
| Core capital (leverage) ratio | 7.6109% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9514% | 1,139 |
| Memoranda: | ||
| Average total assets | $529,512,000 | 1,636 |
| Average earning assets | $496,325,500 | 1,627 |
| Average equity | $45,719,750 | 1,923 |
| Average total loans | $290,660,250 | 1,772 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3949% | 3,194 |
| Cost of funding earning assets | 0.2371% | 3,408 |
| Net interest margin | 3.1578% | 2,878 |
| Noninterest income to average assets | 1.3682% | 634 |
| Noninterest expense to average assets | 2.9514% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3740% | 1,643 |
| Return on assets (ROA) | 1.3874% | 1,670 |
| Pretax return on assets | 1.3874% | 2,372 |
| Return on Equity (ROE) | 15.8949% | 975 |
| Retained earnings to average equity (ytd only) | 6.0312% | 2,788 |
| Net charge-offs to loans | 0.0110% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 222.8125% | 469 |
| Efficiency ratio | 68.2349% | 1,853 |
| Assets per employee ($millions) | 4.7917% | 3,848 |
| Cash dividends to net income (ytd only)* | 62.0556% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,199 |
| Loan loss allowance to noncurrent loans | 6,168.5185% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 4,238 |
| Noncurrent loans to loans | 0.0186% | 4,128 |
| Net loans and leases to total assets | 52.4390% | 3,299 |
| Net loans and leases to deposits | 58.0659% | 3,537 |
| Net loans and leases to core deposits | 61.4820% | 3,507 |
| Total domestic deposits to total assets | 90.3094% | 642 |
| Equity capital to assets | 8.3701% | 4,308 |
| Core capital (leverage) ratio | 7.6576% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6417% | 1,200 |
| Memoranda: | ||
| Average total assets | $518,938,333 | 1,658 |
| Average earning assets | $485,966,000 | 1,648 |
| Average equity | $45,297,667 | 1,921 |
| Average total loans | $290,053,333 | 1,782 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 2,696 |
| Cost of funding earning assets | 0.2438% | 3,530 |
| Net interest margin | 3.3383% | 2,280 |
| Noninterest income to average assets | 1.3616% | 707 |
| Noninterest expense to average assets | 3.0573% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4257% | 1,507 |
| Return on assets (ROA) | 1.4257% | 1,578 |
| Pretax return on assets | 1.4257% | 2,207 |
| Return on Equity (ROE) | 15.9785% | 1,015 |
| Retained earnings to average equity (ytd only) | 3.8327% | 3,553 |
| Net charge-offs to loans | 0.0138% | 1,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 180.1000% | 433 |
| Efficiency ratio | 68.1971% | 1,910 |
| Assets per employee ($millions) | 4.2734% | 4,293 |
| Cash dividends to net income (ytd only)* | 76.0133% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 3,127 |
| Loan loss allowance to noncurrent loans | 1,432.1888% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,051 |
| Noncurrent loans to loans | 0.0813% | 3,891 |
| Net loans and leases to total assets | 54.7948% | 3,160 |
| Net loans and leases to deposits | 61.6528% | 3,357 |
| Net loans and leases to core deposits | 64.9770% | 3,321 |
| Total domestic deposits to total assets | 88.8764% | 1,404 |
| Equity capital to assets | 8.7143% | 3,950 |
| Core capital (leverage) ratio | 8.0480% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1577% | 903 |
| Memoranda: | ||
| Average total assets | $505,281,500 | 1,677 |
| Average earning assets | $472,461,000 | 1,672 |
| Average equity | $45,085,500 | 1,920 |
| Average total loans | $290,190,000 | 1,791 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 3,192 |
| Cost of funding earning assets | 0.3049% | 4,109 |
| Net interest margin | 3.5342% | 2,357 |
| Noninterest income to average assets | 1.3001% | 679 |
| Noninterest expense to average assets | 3.1991% | 1,059 |
| Loan and lease loss provision to assets | 0.3206% | 1,149 |
| Net operating income to assets | 1.0555% | 2,081 |
| Return on assets (ROA) | 1.0555% | 2,216 |
| Pretax return on assets | 1.0555% | 2,852 |
| Return on Equity (ROE) | 11.0367% | 1,617 |
| Retained earnings to average equity (ytd only) | 0.7895% | 4,295 |
| Net charge-offs to loans | 0.0071% | 3,089 |
| Credit loss provision to net charge-offs | 7,057.1429% | 154 |
| Earnings coverage of net charge-offs (x) | 302.9048% | 345 |
| Efficiency ratio | 69.9229% | 1,958 |
| Assets per employee ($millions) | 4.0449% | 4,342 |
| Cash dividends to net income (ytd only)* | 92.8469% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 3,256 |
| Loan loss allowance to noncurrent loans | 956.2857% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 3,987 |
| Noncurrent loans to loans | 0.1192% | 3,809 |
| Net loans and leases to total assets | 58.8396% | 3,000 |
| Net loans and leases to deposits | 67.3422% | 3,149 |
| Net loans and leases to core deposits | 70.8276% | 3,192 |
| Total domestic deposits to total assets | 87.3740% | 1,754 |
| Equity capital to assets | 9.1414% | 3,942 |
| Core capital (leverage) ratio | 8.2200% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3294% | 994 |
| Memoranda: | ||
| Average total assets | $462,254,400 | 1,660 |
| Average earning assets | $428,352,400 | 1,668 |
| Average equity | $44,207,000 | 1,873 |
| Average total loans | $296,616,800 | 1,697 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 2,453 |
| Cost of funding earning assets | 0.3213% | 4,210 |
| Net interest margin | 3.8559% | 1,461 |
| Noninterest income to average assets | 1.2927% | 650 |
| Noninterest expense to average assets | 3.2654% | 959 |
| Loan and lease loss provision to assets | 0.1215% | 2,815 |
| Net operating income to assets | 1.4722% | 958 |
| Return on assets (ROA) | 1.4722% | 1,042 |
| Pretax return on assets | 1.4722% | 1,508 |
| Return on Equity (ROE) | 15.2122% | 662 |
| Retained earnings to average equity (ytd only) | 3.2892% | 3,397 |
| Net charge-offs to loans | 0.0085% | 2,805 |
| Credit loss provision to net charge-offs | 2,178.9474% | 441 |
| Earnings coverage of net charge-offs (x) | 285.8947% | 377 |
| Efficiency ratio | 67.2020% | 2,288 |
| Assets per employee ($millions) | 3.9575% | 4,345 |
| Cash dividends to net income (ytd only)* | 78.3778% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 4,475 |
| Loan loss allowance to noncurrent loans | 1,004.8458% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 4,204 |
| Noncurrent loans to loans | 0.0749% | 4,073 |
| Net loans and leases to total assets | 62.2610% | 2,976 |
| Net loans and leases to deposits | 71.7464% | 3,156 |
| Net loans and leases to core deposits | 74.9237% | 3,247 |
| Total domestic deposits to total assets | 86.7792% | 1,743 |
| Equity capital to assets | 9.5228% | 3,670 |
| Core capital (leverage) ratio | 8.4517% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1525% | 893 |
| Memoranda: | ||
| Average total assets | $454,447,750 | 1,660 |
| Average earning assets | $420,327,750 | 1,670 |
| Average equity | $43,981,000 | 1,866 |
| Average total loans | $297,343,750 | 1,689 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 2,071 |
| Cost of funding earning assets | 0.3460% | 4,289 |
| Net interest margin | 4.1061% | 1,098 |
| Noninterest income to average assets | 1.3353% | 578 |
| Noninterest expense to average assets | 3.3745% | 884 |
| Loan and lease loss provision to assets | 0.1146% | 2,873 |
| Net operating income to assets | 1.6328% | 708 |
| Return on assets (ROA) | 1.6328% | 773 |
| Pretax return on assets | 1.6328% | 1,146 |
| Return on Equity (ROE) | 16.7747% | 472 |
| Retained earnings to average equity (ytd only) | 4.1325% | 2,848 |
| Net charge-offs to loans | 0.0102% | 2,583 |
| Credit loss provision to net charge-offs | 1,700.0000% | 556 |
| Earnings coverage of net charge-offs (x) | 259.2000% | 361 |
| Efficiency ratio | 65.8828% | 2,539 |
| Assets per employee ($millions) | 3.9440% | 4,363 |
| Cash dividends to net income (ytd only)* | 75.3647% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6942% | 4,576 |
| Loan loss allowance to noncurrent loans | 616.2319% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,168 |
| Noncurrent loans to loans | 0.1126% | 4,000 |
| Net loans and leases to total assets | 63.2072% | 2,980 |
| Net loans and leases to deposits | 72.7543% | 3,183 |
| Net loans and leases to core deposits | 75.9285% | 3,287 |
| Total domestic deposits to total assets | 86.8776% | 1,669 |
| Equity capital to assets | 9.4721% | 3,681 |
| Core capital (leverage) ratio | 8.6926% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4337% | 857 |
| Memoranda: | ||
| Average total assets | $444,990,000 | 1,667 |
| Average earning assets | $410,369,667 | 1,673 |
| Average equity | $43,315,333 | 1,875 |
| Average total loans | $295,495,000 | 1,684 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 3,016 |
| Cost of funding earning assets | 0.3714% | 4,454 |
| Net interest margin | 3.8946% | 1,687 |
| Noninterest income to average assets | 1.4336% | 438 |
| Noninterest expense to average assets | 3.4837% | 961 |
| Loan and lease loss provision to assets | 0.1031% | 2,394 |
| Net operating income to assets | 1.4233% | 937 |
| Return on assets (ROA) | 1.4233% | 1,010 |
| Pretax return on assets | 1.4233% | 1,496 |
| Return on Equity (ROE) | 14.4034% | 625 |
| Retained earnings to average equity (ytd only) | 2.4464% | 3,292 |
| Net charge-offs to loans | 0.0262% | 1,846 |
| Credit loss provision to net charge-offs | 578.9474% | 812 |
| Earnings coverage of net charge-offs (x) | 85.7368% | 646 |
| Efficiency ratio | 69.5343% | 2,419 |
| Assets per employee ($millions) | 3.6120% | 4,374 |
| Cash dividends to net income (ytd only)* | 83.0151% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 4,645 |
| Loan loss allowance to noncurrent loans | 293.7593% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 3,853 |
| Noncurrent loans to loans | 0.2314% | 3,662 |
| Net loans and leases to total assets | 66.0921% | 2,807 |
| Net loans and leases to deposits | 78.7130% | 2,816 |
| Net loans and leases to core deposits | 82.6144% | 2,968 |
| Total domestic deposits to total assets | 83.9658% | 2,799 |
| Equity capital to assets | 9.5160% | 4,207 |
| Core capital (leverage) ratio | 9.5517% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2043% | 1,301 |
| Memoranda: | ||
| Average total assets | $426,900,000 | 1,682 |
| Average earning assets | $392,033,000 | 1,695 |
| Average equity | $42,184,500 | 1,907 |
| Average total loans | $290,112,500 | 1,676 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 3,197 |
| Cost of funding earning assets | 0.3617% | 4,567 |
| Net interest margin | 4.0562% | 1,665 |
| Noninterest income to average assets | 1.3709% | 514 |
| Noninterest expense to average assets | 3.6408% | 814 |
| Loan and lease loss provision to assets | 0.0450% | 3,110 |
| Net operating income to assets | 1.4162% | 1,290 |
| Return on assets (ROA) | 1.4162% | 1,364 |
| Pretax return on assets | 1.4162% | 2,096 |
| Return on Equity (ROE) | 14.5037% | 796 |
| Retained earnings to average equity (ytd only) | 2.3774% | 3,833 |
| Net charge-offs to loans | 0.0958% | 1,765 |
| Credit loss provision to net charge-offs | 68.9781% | 2,923 |
| Earnings coverage of net charge-offs (x) | 22.3759% | 1,853 |
| Efficiency ratio | 71.3598% | 1,967 |
| Assets per employee ($millions) | 3.3609% | 4,602 |
| Cash dividends to net income (ytd only)* | 83.6082% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6517% | 4,647 |
| Loan loss allowance to noncurrent loans | 391.2863% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 4,032 |
| Noncurrent loans to loans | 0.1666% | 3,864 |
| Net loans and leases to total assets | 68.9878% | 2,542 |
| Net loans and leases to deposits | 79.8673% | 2,793 |
| Net loans and leases to core deposits | 85.1510% | 2,860 |
| Total domestic deposits to total assets | 86.3780% | 1,894 |
| Equity capital to assets | 10.2650% | 3,657 |
| Core capital (leverage) ratio | 9.2749% | 4,304 |
| Tier 1 risk-based capital ratio | 16.0696% | 2,381 |
| Total risk-based capital ratio | 16.8393% | 2,483 |
| Memoranda: | ||
| Average total assets | $419,581,000 | 1,671 |
| Average earning assets | $385,949,800 | 1,683 |
| Average equity | $40,968,800 | 1,887 |
| Average total loans | $285,863,600 | 1,663 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 3,366 |
| Cost of funding earning assets | 0.3448% | 4,676 |
| Net interest margin | 4.0526% | 1,752 |
| Noninterest income to average assets | 1.3505% | 510 |
| Noninterest expense to average assets | 3.7072% | 744 |
| Loan and lease loss provision to assets | 0.0412% | 3,080 |
| Net operating income to assets | 1.3311% | 1,722 |
| Return on assets (ROA) | 1.3311% | 1,789 |
| Pretax return on assets | 1.3311% | 2,561 |
| Return on Equity (ROE) | 13.8081% | 1,023 |
| Retained earnings to average equity (ytd only) | 1.6256% | 4,390 |
| Net charge-offs to loans | 0.0108% | 2,979 |
| Credit loss provision to net charge-offs | 565.2174% | 569 |
| Earnings coverage of net charge-offs (x) | 188.0619% | 459 |
| Efficiency ratio | 72.9828% | 1,700 |
| Assets per employee ($millions) | 3.5274% | 4,472 |
| Cash dividends to net income (ytd only)* | 88.2269% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,606 |
| Loan loss allowance to noncurrent loans | 321.8266% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 3,985 |
| Noncurrent loans to loans | 0.2239% | 3,745 |
| Net loans and leases to total assets | 67.1028% | 2,913 |
| Net loans and leases to deposits | 77.9635% | 3,094 |
| Net loans and leases to core deposits | 82.8897% | 3,186 |
| Total domestic deposits to total assets | 86.0695% | 1,968 |
| Equity capital to assets | 9.8999% | 4,118 |
| Core capital (leverage) ratio | 9.2854% | 4,384 |
| Tier 1 risk-based capital ratio | 16.2543% | 2,345 |
| Total risk-based capital ratio | 17.1231% | 2,420 |
| Memoranda: | ||
| Average total assets | $420,289,750 | 1,679 |
| Average earning assets | $386,733,500 | 1,690 |
| Average equity | $40,516,250 | 1,914 |
| Average total loans | $284,982,000 | 1,681 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 3,330 |
| Cost of funding earning assets | 0.3188% | 4,773 |
| Net interest margin | 4.0815% | 1,664 |
| Noninterest income to average assets | 1.3398% | 491 |
| Noninterest expense to average assets | 3.8104% | 655 |
| Loan and lease loss provision to assets | 0.0005% | 3,683 |
| Net operating income to assets | 1.2829% | 1,843 |
| Return on assets (ROA) | 1.2829% | 1,900 |
| Pretax return on assets | 1.2829% | 2,625 |
| Return on Equity (ROE) | 13.4312% | 1,117 |
| Retained earnings to average equity (ytd only) | 1.2119% | 4,374 |
| Net charge-offs to loans | -0.0028% | 4,019 |
| Credit loss provision to net charge-offs | -25.0000% | 3,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8051% | 1,541 |
| Assets per employee ($millions) | 3.4717% | 4,528 |
| Cash dividends to net income (ytd only)* | 90.9769% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 4,731 |
| Loan loss allowance to noncurrent loans | 361.2431% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 4,104 |
| Noncurrent loans to loans | 0.1916% | 3,868 |
| Net loans and leases to total assets | 67.4824% | 2,892 |
| Net loans and leases to deposits | 78.3934% | 3,126 |
| Net loans and leases to core deposits | 83.4027% | 3,165 |
| Total domestic deposits to total assets | 86.0817% | 1,985 |
| Equity capital to assets | 9.8757% | 4,079 |
| Core capital (leverage) ratio | 9.2252% | 4,428 |
| Tier 1 risk-based capital ratio | 16.0032% | 2,410 |
| Total risk-based capital ratio | 16.8215% | 2,525 |
| Memoranda: | ||
| Average total assets | $418,116,000 | 1,692 |
| Average earning assets | $384,565,330 | 1,707 |
| Average equity | $39,937,000 | 1,934 |
| Average total loans | $283,815,670 | 1,696 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3727% | 3,325 |
| Cost of funding earning assets | 0.2798% | 4,902 |
| Net interest margin | 4.0930% | 1,564 |
| Noninterest income to average assets | 1.3339% | 480 |
| Noninterest expense to average assets | 3.7542% | 694 |
| Loan and lease loss provision to assets | 0.0010% | 3,403 |
| Net operating income to assets | 1.3387% | 1,563 |
| Return on assets (ROA) | 1.3387% | 1,601 |
| Pretax return on assets | 1.3387% | 2,293 |
| Return on Equity (ROE) | 14.2585% | 911 |
| Retained earnings to average equity (ytd only) | 1.9815% | 4,071 |
| Net charge-offs to loans | -0.0014% | 3,828 |
| Credit loss provision to net charge-offs | -100.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7011% | 1,786 |
| Assets per employee ($millions) | 3.5430% | 4,524 |
| Cash dividends to net income (ytd only)* | 86.1032% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6912% | 4,791 |
| Loan loss allowance to noncurrent loans | 913.4259% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,572 |
| Noncurrent loans to loans | 0.0757% | 4,425 |
| Net loans and leases to total assets | 67.2335% | 2,873 |
| Net loans and leases to deposits | 74.6158% | 3,394 |
| Net loans and leases to core deposits | 79.1787% | 3,437 |
| Total domestic deposits to total assets | 90.1064% | 411 |
| Equity capital to assets | 9.4653% | 4,291 |
| Core capital (leverage) ratio | 9.2516% | 4,410 |
| Tier 1 risk-based capital ratio | 17.4908% | 1,944 |
| Total risk-based capital ratio | 18.3849% | 2,013 |
| Memoranda: | ||
| Average total assets | $417,134,000 | 1,704 |
| Average earning assets | $383,195,000 | 1,721 |
| Average equity | $39,162,500 | 1,961 |
| Average total loans | $282,995,500 | 1,708 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 3,504 |
| Cost of funding earning assets | 0.3731% | 4,139 |
| Net interest margin | 3.8037% | 2,649 |
| Noninterest income to average assets | 1.4266% | 446 |
| Noninterest expense to average assets | 4.0413% | 503 |
| Loan and lease loss provision to assets | 0.0180% | 3,798 |
| Net operating income to assets | 0.8724% | 3,525 |
| Return on assets (ROA) | 0.8760% | 3,507 |
| Pretax return on assets | 0.8760% | 3,962 |
| Return on Equity (ROE) | 9.3377% | 2,819 |
| Retained earnings to average equity (ytd only) | -1.0591% | 5,087 |
| Net charge-offs to loans | 0.0114% | 3,294 |
| Credit loss provision to net charge-offs | 241.9355% | 1,222 |
| Earnings coverage of net charge-offs (x) | 119.9677% | 651 |
| Efficiency ratio | 81.9466% | 810 |
| Assets per employee ($millions) | 3.4388% | 4,622 |
| Cash dividends to net income (ytd only)* | 111.3419% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 4,801 |
| Loan loss allowance to noncurrent loans | 1,913.5922% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,746 |
| Noncurrent loans to loans | 0.0367% | 4,605 |
| Net loans and leases to total assets | 67.5096% | 2,942 |
| Net loans and leases to deposits | 74.9367% | 3,430 |
| Net loans and leases to core deposits | 78.5029% | 3,540 |
| Total domestic deposits to total assets | 90.0888% | 444 |
| Equity capital to assets | 9.3100% | 4,313 |
| Core capital (leverage) ratio | 9.1815% | 4,476 |
| Tier 1 risk-based capital ratio | 17.9325% | 1,774 |
| Total risk-based capital ratio | 18.8529% | 1,824 |
| Memoranda: | ||
| Average total assets | $417,708,200 | 1,641 |
| Average earning assets | $384,917,400 | 1,651 |
| Average equity | $39,185,400 | 1,898 |
| Average total loans | $271,568,000 | 1,718 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 3,626 |
| Cost of funding earning assets | 0.4006% | 3,854 |
| Net interest margin | 3.7005% | 3,018 |
| Noninterest income to average assets | 1.4753% | 436 |
| Noninterest expense to average assets | 3.7456% | 716 |
| Loan and lease loss provision to assets | 0.0200% | 3,606 |
| Net operating income to assets | 1.1227% | 2,563 |
| Return on assets (ROA) | 1.1275% | 2,552 |
| Pretax return on assets | 1.1275% | 3,282 |
| Return on Equity (ROE) | 11.9965% | 1,793 |
| Retained earnings to average equity (ytd only) | 0.5147% | 4,950 |
| Net charge-offs to loans | 0.0074% | 3,154 |
| Credit loss provision to net charge-offs | 420.0000% | 793 |
| Earnings coverage of net charge-offs (x) | 239.3940% | 385 |
| Efficiency ratio | 76.6226% | 1,279 |
| Assets per employee ($millions) | 3.4800% | 4,587 |
| Cash dividends to net income (ytd only)* | 95.7099% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7197% | 4,836 |
| Loan loss allowance to noncurrent loans | 2,101.0638% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,874 |
| Noncurrent loans to loans | 0.0343% | 4,743 |
| Net loans and leases to total assets | 66.3490% | 3,139 |
| Net loans and leases to deposits | 75.0596% | 3,499 |
| Net loans and leases to core deposits | 78.7782% | 3,590 |
| Total domestic deposits to total assets | 88.3951% | 1,086 |
| Equity capital to assets | 9.3835% | 4,198 |
| Core capital (leverage) ratio | 9.5397% | 4,128 |
| Tier 1 risk-based capital ratio | 18.6119% | 1,634 |
| Total risk-based capital ratio | 19.5551% | 1,673 |
| Memoranda: | ||
| Average total assets | $418,971,750 | 1,635 |
| Average earning assets | $386,429,500 | 1,646 |
| Average equity | $39,377,250 | 1,887 |
| Average total loans | $269,322,000 | 1,734 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 3,535 |
| Cost of funding earning assets | 0.4834% | 3,138 |
| Net interest margin | 3.5933% | 3,344 |
| Noninterest income to average assets | 1.4549% | 451 |
| Noninterest expense to average assets | 3.7643% | 695 |
| Loan and lease loss provision to assets | 0.0285% | 3,341 |
| Net operating income to assets | 0.9793% | 3,108 |
| Return on assets (ROA) | 0.9849% | 3,090 |
| Pretax return on assets | 0.9849% | 3,709 |
| Return on Equity (ROE) | 10.4743% | 2,344 |
| Retained earnings to average equity (ytd only) | -0.3328% | 4,999 |
| Net charge-offs to loans | 0.0060% | 2,932 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 265.6250% | 342 |
| Efficiency ratio | 78.8830% | 1,128 |
| Assets per employee ($millions) | 3.3368% | 4,779 |
| Cash dividends to net income (ytd only)* | 103.1777% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 4,848 |
| Loan loss allowance to noncurrent loans | 12,368.7500% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,040 |
| Noncurrent loans to loans | 0.0060% | 4,937 |
| Net loans and leases to total assets | 64.7532% | 3,312 |
| Net loans and leases to deposits | 72.8810% | 3,643 |
| Net loans and leases to core deposits | 76.8576% | 3,671 |
| Total domestic deposits to total assets | 88.8478% | 996 |
| Equity capital to assets | 9.4685% | 4,139 |
| Core capital (leverage) ratio | 9.2600% | 4,404 |
| Tier 1 risk-based capital ratio | 18.9340% | 1,562 |
| Total risk-based capital ratio | 19.9009% | 1,600 |
| Memoranda: | ||
| Average total assets | $421,750,330 | 1,633 |
| Average earning assets | $389,332,330 | 1,640 |
| Average equity | $39,659,000 | 1,876 |
| Average total loans | $267,620,000 | 1,748 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 3,540 |
| Cost of funding earning assets | 0.5136% | 2,696 |
| Net interest margin | 3.5037% | 3,524 |
| Noninterest income to average assets | 1.4459% | 452 |
| Noninterest expense to average assets | 3.8660% | 615 |
| Loan and lease loss provision to assets | 0.0225% | 3,237 |
| Net operating income to assets | 0.7945% | 3,726 |
| Return on assets (ROA) | 0.8020% | 3,704 |
| Pretax return on assets | 0.8020% | 4,144 |
| Return on Equity (ROE) | 8.5576% | 3,126 |
| Retained earnings to average equity (ytd only) | -1.4179% | 4,956 |
| Net charge-offs to loans | 0.0015% | 2,678 |
| Credit loss provision to net charge-offs | 2,400.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 873.0000% | 73 |
| Efficiency ratio | 82.5540% | 900 |
| Assets per employee ($millions) | 3.5983% | 4,537 |
| Cash dividends to net income (ytd only)* | 116.5694% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 4,970 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,939 |
| Noncurrent loans to loans | 0.0559% | 4,725 |
| Net loans and leases to total assets | 61.7335% | 3,578 |
| Net loans and leases to deposits | 71.8573% | 3,621 |
| Net loans and leases to core deposits | 75.5129% | 3,707 |
| Total domestic deposits to total assets | 85.9111% | 2,587 |
| Equity capital to assets | 9.0846% | 4,472 |
| Core capital (leverage) ratio | 9.1122% | 4,555 |
| Tier 1 risk-based capital ratio | 18.6099% | 1,664 |
| Total risk-based capital ratio | 19.5482% | 1,710 |
| Memoranda: | ||
| Average total assets | $427,414,000 | 1,625 |
| Average earning assets | $394,897,000 | 1,628 |
| Average equity | $40,058,000 | 1,865 |
| Average total loans | $267,559,500 | 1,755 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 3,661 |
| Cost of funding earning assets | 0.5007% | 2,329 |
| Net interest margin | 3.4177% | 3,796 |
| Noninterest income to average assets | 1.3665% | 561 |
| Noninterest expense to average assets | 3.3912% | 1,216 |
| Loan and lease loss provision to assets | -0.0192% | 5,329 |
| Net operating income to assets | 1.1513% | 1,677 |
| Return on assets (ROA) | 1.1648% | 1,664 |
| Pretax return on assets | 1.1648% | 2,926 |
| Return on Equity (ROE) | 12.1732% | 1,164 |
| Retained earnings to average equity (ytd only) | 1.0675% | 4,607 |
| Net charge-offs to loans | 0.0092% | 3,767 |
| Credit loss provision to net charge-offs | -360.8696% | 4,902 |
| Earnings coverage of net charge-offs (x) | 212.5217% | 379 |
| Efficiency ratio | 74.9718% | 1,766 |
| Assets per employee ($millions) | 3.4675% | 4,745 |
| Cash dividends to net income (ytd only)* | 91.2309% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 5,022 |
| Loan loss allowance to noncurrent loans | 856.4444% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 4,775 |
| Noncurrent loans to loans | 0.0844% | 4,625 |
| Net loans and leases to total assets | 62.5672% | 3,545 |
| Net loans and leases to deposits | 73.6794% | 3,543 |
| Net loans and leases to core deposits | 77.6691% | 3,614 |
| Total domestic deposits to total assets | 84.9182% | 2,870 |
| Equity capital to assets | 9.6657% | 4,072 |
| Core capital (leverage) ratio | 9.1443% | 4,469 |
| Tier 1 risk-based capital ratio | 18.7215% | 1,585 |
| Total risk-based capital ratio | 19.6508% | 1,633 |
| Memoranda: | ||
| Average total assets | $431,763,000 | 1,605 |
| Average earning assets | $398,805,800 | 1,599 |
| Average equity | $41,312,200 | 1,804 |
| Average total loans | $250,063,400 | 1,814 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,732 |
| Cost of funding earning assets | 0.4965% | 2,295 |
| Net interest margin | 3.3861% | 3,899 |
| Noninterest income to average assets | 1.3347% | 584 |
| Noninterest expense to average assets | 3.2062% | 1,543 |
| Loan and lease loss provision to assets | -0.0270% | 5,490 |
| Net operating income to assets | 1.2843% | 1,390 |
| Return on assets (ROA) | 1.3031% | 1,362 |
| Pretax return on assets | 1.3031% | 2,476 |
| Return on Equity (ROE) | 13.6523% | 901 |
| Retained earnings to average equity (ytd only) | 2.0023% | 4,638 |
| Net charge-offs to loans | 0.0049% | 3,560 |
| Credit loss provision to net charge-offs | -977.7778% | 4,942 |
| Earnings coverage of net charge-offs (x) | 454.6550% | 215 |
| Efficiency ratio | 71.8318% | 2,223 |
| Assets per employee ($millions) | 3.4478% | 4,801 |
| Cash dividends to net income (ytd only)* | 85.3335% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 4,983 |
| Loan loss allowance to noncurrent loans | 1,308.1081% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,959 |
| Noncurrent loans to loans | 0.0587% | 4,851 |
| Net loans and leases to total assets | 60.0105% | 3,862 |
| Net loans and leases to deposits | 70.9893% | 3,875 |
| Net loans and leases to core deposits | 74.6853% | 3,918 |
| Total domestic deposits to total assets | 84.5345% | 2,905 |
| Equity capital to assets | 10.1738% | 3,720 |
| Core capital (leverage) ratio | 9.2101% | 4,507 |
| Tier 1 risk-based capital ratio | 19.8618% | 1,388 |
| Total risk-based capital ratio | 20.8477% | 1,422 |
| Memoranda: | ||
| Average total assets | $433,945,500 | 1,605 |
| Average earning assets | $400,962,000 | 1,607 |
| Average equity | $41,418,000 | 1,819 |
| Average total loans | $245,927,500 | 1,845 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 3,895 |
| Cost of funding earning assets | 0.4892% | 2,260 |
| Net interest margin | 3.3113% | 4,068 |
| Noninterest income to average assets | 1.2877% | 627 |
| Noninterest expense to average assets | 3.1693% | 1,658 |
| Loan and lease loss provision to assets | -0.0414% | 5,596 |
| Net operating income to assets | 1.2213% | 1,531 |
| Return on assets (ROA) | 1.2390% | 1,507 |
| Pretax return on assets | 1.2390% | 2,625 |
| Return on Equity (ROE) | 13.2582% | 967 |
| Retained earnings to average equity (ytd only) | 1.6408% | 4,600 |
| Net charge-offs to loans | 0.0049% | 3,295 |
| Credit loss provision to net charge-offs | -1,516.6667% | 4,911 |
| Earnings coverage of net charge-offs (x) | 432.1667% | 194 |
| Efficiency ratio | 72.8709% | 2,205 |
| Assets per employee ($millions) | 3.6298% | 4,533 |
| Cash dividends to net income (ytd only)* | 87.6239% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 5,009 |
| Loan loss allowance to noncurrent loans | 1,477.8626% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 4,970 |
| Noncurrent loans to loans | 0.0524% | 4,928 |
| Net loans and leases to total assets | 56.5234% | 4,167 |
| Net loans and leases to deposits | 67.6187% | 4,101 |
| Net loans and leases to core deposits | 71.0466% | 4,154 |
| Total domestic deposits to total assets | 83.5913% | 3,367 |
| Equity capital to assets | 9.6526% | 4,275 |
| Core capital (leverage) ratio | 8.8804% | 4,863 |
| Tier 1 risk-based capital ratio | 19.2565% | 1,532 |
| Total risk-based capital ratio | 20.2194% | 1,550 |
| Memoranda: | ||
| Average total assets | $439,534,330 | 1,593 |
| Average earning assets | $406,363,670 | 1,595 |
| Average equity | $41,076,330 | 1,831 |
| Average total loans | $243,807,670 | 1,862 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 3,926 |
| Cost of funding earning assets | 0.4879% | 2,183 |
| Net interest margin | 3.2646% | 4,127 |
| Noninterest income to average assets | 1.2718% | 627 |
| Noninterest expense to average assets | 3.1813% | 1,662 |
| Loan and lease loss provision to assets | -0.0873% | 5,743 |
| Net operating income to assets | 1.1972% | 1,507 |
| Return on assets (ROA) | 1.2036% | 1,532 |
| Pretax return on assets | 1.2036% | 2,582 |
| Return on Equity (ROE) | 13.0935% | 978 |
| Retained earnings to average equity (ytd only) | 1.5043% | 4,498 |
| Net charge-offs to loans | 0.0017% | 2,909 |
| Credit loss provision to net charge-offs | -9,600.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | 1,220.0000% | 32 |
| Efficiency ratio | 74.1361% | 2,209 |
| Assets per employee ($millions) | 3.7751% | 4,379 |
| Cash dividends to net income (ytd only)* | 88.5110% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 5,065 |
| Loan loss allowance to noncurrent loans | 193,600.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 5,174 |
| Noncurrent loans to loans | 0.0004% | 5,284 |
| Net loans and leases to total assets | 54.7862% | 4,268 |
| Net loans and leases to deposits | 63.8336% | 4,320 |
| Net loans and leases to core deposits | 67.1821% | 4,338 |
| Total domestic deposits to total assets | 85.8265% | 2,750 |
| Equity capital to assets | 9.2248% | 4,592 |
| Core capital (leverage) ratio | 8.8287% | 4,928 |
| Tier 1 risk-based capital ratio | 19.6131% | 1,477 |
| Total risk-based capital ratio | 20.5986% | 1,502 |
| Memoranda: | ||
| Average total assets | $439,698,500 | 1,606 |
| Average earning assets | $406,661,500 | 1,602 |
| Average equity | $40,417,000 | 1,854 |
| Average total loans | $240,616,500 | 1,889 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 4,017 |
| Cost of funding earning assets | 0.4976% | 2,111 |
| Net interest margin | 3.2651% | 4,246 |
| Noninterest income to average assets | 1.2976% | 675 |
| Noninterest expense to average assets | 3.0008% | 2,353 |
| Loan and lease loss provision to assets | 0.0557% | 3,266 |
| Net operating income to assets | 1.2606% | 1,327 |
| Return on assets (ROA) | 1.2657% | 1,392 |
| Pretax return on assets | 1.2657% | 2,415 |
| Return on Equity (ROE) | 13.1141% | 967 |
| Retained earnings to average equity (ytd only) | 1.7582% | 4,526 |
| Net charge-offs to loans | 0.0089% | 3,967 |
| Credit loss provision to net charge-offs | 1,161.9048% | 340 |
| Earnings coverage of net charge-offs (x) | 274.4762% | 262 |
| Efficiency ratio | 69.5091% | 2,994 |
| Assets per employee ($millions) | 3.7733% | 4,357 |
| Cash dividends to net income (ytd only)* | 86.5933% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 4,960 |
| Loan loss allowance to noncurrent loans | 9,680.9524% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 5,203 |
| Noncurrent loans to loans | 0.0088% | 5,263 |
| Net loans and leases to total assets | 53.7614% | 4,456 |
| Net loans and leases to deposits | 62.7514% | 4,488 |
| Net loans and leases to core deposits | 65.9575% | 4,530 |
| Total domestic deposits to total assets | 85.6736% | 2,744 |
| Equity capital to assets | 9.1594% | 4,635 |
| Core capital (leverage) ratio | 8.8437% | 4,918 |
| Tier 1 risk-based capital ratio | 19.9629% | 1,381 |
| Total risk-based capital ratio | 21.0204% | 1,390 |
| Memoranda: | ||
| Average total assets | $437,876,400 | 1,552 |
| Average earning assets | $404,954,600 | 1,549 |
| Average equity | $42,260,000 | 1,749 |
| Average total loans | $236,677,200 | 1,866 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 3,982 |
| Cost of funding earning assets | 0.4990% | 2,111 |
| Net interest margin | 3.2818% | 4,247 |
| Noninterest income to average assets | 1.2919% | 695 |
| Noninterest expense to average assets | 3.0900% | 2,053 |
| Loan and lease loss provision to assets | 0.0720% | 2,771 |
| Net operating income to assets | 1.1659% | 1,745 |
| Return on assets (ROA) | 1.1726% | 1,838 |
| Pretax return on assets | 1.1726% | 2,957 |
| Return on Equity (ROE) | 11.9953% | 1,322 |
| Retained earnings to average equity (ytd only) | 0.9863% | 5,091 |
| Net charge-offs to loans | 0.0051% | 3,730 |
| Credit loss provision to net charge-offs | 2,622.2222% | 189 |
| Earnings coverage of net charge-offs (x) | 450.7667% | 197 |
| Efficiency ratio | 71.3973% | 2,668 |
| Assets per employee ($millions) | 3.7113% | 4,449 |
| Cash dividends to net income (ytd only)* | 91.7773% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,979 |
| Loan loss allowance to noncurrent loans | 4,428.2609% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 5,319 |
| Noncurrent loans to loans | 0.0196% | 5,317 |
| Net loans and leases to total assets | 53.6293% | 4,526 |
| Net loans and leases to deposits | 63.2162% | 4,544 |
| Net loans and leases to core deposits | 66.5805% | 4,567 |
| Total domestic deposits to total assets | 84.8348% | 2,879 |
| Equity capital to assets | 9.9393% | 4,191 |
| Core capital (leverage) ratio | 8.7544% | 5,094 |
| Tier 1 risk-based capital ratio | 20.2424% | 1,401 |
| Total risk-based capital ratio | 21.3289% | 1,395 |
| Memoranda: | ||
| Average total assets | $436,975,500 | 1,549 |
| Average earning assets | $404,239,000 | 1,551 |
| Average equity | $42,715,750 | 1,740 |
| Average total loans | $236,001,750 | 1,869 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 4,025 |
| Cost of funding earning assets | 0.4973% | 2,118 |
| Net interest margin | 3.2826% | 4,281 |
| Noninterest income to average assets | 1.2985% | 682 |
| Noninterest expense to average assets | 3.0624% | 2,167 |
| Loan and lease loss provision to assets | 0.1055% | 2,095 |
| Net operating income to assets | 1.1665% | 1,717 |
| Return on assets (ROA) | 1.1665% | 1,815 |
| Pretax return on assets | 1.1665% | 2,919 |
| Return on Equity (ROE) | 11.9996% | 1,324 |
| Retained earnings to average equity (ytd only) | 1.1088% | 4,940 |
| Net charge-offs to loans | -0.0076% | 4,624 |
| Credit loss provision to net charge-offs | -2,566.6667% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6533% | 2,884 |
| Assets per employee ($millions) | 3.7635% | 4,332 |
| Cash dividends to net income (ytd only)* | 90.7596% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 5,024 |
| Loan loss allowance to noncurrent loans | 1,297.4684% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 5,259 |
| Noncurrent loans to loans | 0.0675% | 5,180 |
| Net loans and leases to total assets | 52.6748% | 4,618 |
| Net loans and leases to deposits | 61.9245% | 4,659 |
| Net loans and leases to core deposits | 65.2169% | 4,667 |
| Total domestic deposits to total assets | 85.0630% | 2,847 |
| Equity capital to assets | 9.8436% | 4,396 |
| Core capital (leverage) ratio | 8.6030% | 5,264 |
| Tier 1 risk-based capital ratio | 20.0566% | 1,452 |
| Total risk-based capital ratio | 21.1422% | 1,443 |
| Memoranda: | ||
| Average total assets | $437,892,330 | 1,551 |
| Average earning assets | $404,989,670 | 1,550 |
| Average equity | $42,568,000 | 1,748 |
| Average total loans | $236,366,000 | 1,875 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 3,850 |
| Cost of funding earning assets | 0.4985% | 2,125 |
| Net interest margin | 3.3288% | 4,112 |
| Noninterest income to average assets | 1.3310% | 619 |
| Noninterest expense to average assets | 3.0787% | 2,148 |
| Loan and lease loss provision to assets | 0.1750% | 1,165 |
| Net operating income to assets | 1.1542% | 1,695 |
| Return on assets (ROA) | 1.1542% | 1,814 |
| Pretax return on assets | 1.1542% | 2,873 |
| Return on Equity (ROE) | 11.9488% | 1,329 |
| Retained earnings to average equity (ytd only) | 1.0906% | 4,804 |
| Net charge-offs to loans | -0.0101% | 4,539 |
| Credit loss provision to net charge-offs | -3,183.3333% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8462% | 3,158 |
| Assets per employee ($millions) | 3.7574% | 4,380 |
| Cash dividends to net income (ytd only)* | 90.8730% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 5,208 |
| Loan loss allowance to noncurrent loans | 1,108.8398% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 5,316 |
| Noncurrent loans to loans | 0.0770% | 5,166 |
| Net loans and leases to total assets | 52.9826% | 4,537 |
| Net loans and leases to deposits | 62.1997% | 4,565 |
| Net loans and leases to core deposits | 65.4586% | 4,580 |
| Total domestic deposits to total assets | 85.1814% | 3,048 |
| Equity capital to assets | 9.6844% | 4,465 |
| Core capital (leverage) ratio | 8.6992% | 5,174 |
| Tier 1 risk-based capital ratio | 20.4701% | 1,412 |
| Total risk-based capital ratio | 21.5584% | 1,417 |
| Memoranda: | ||
| Average total assets | $436,674,500 | 1,559 |
| Average earning assets | $403,623,000 | 1,554 |
| Average equity | $42,180,000 | 1,752 |
| Average total loans | $237,553,000 | 1,872 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 3,639 |
| Cost of funding earning assets | 0.5102% | 2,069 |
| Net interest margin | 3.4102% | 3,872 |
| Noninterest income to average assets | 1.4385% | 588 |
| Noninterest expense to average assets | 3.1262% | 2,161 |
| Loan and lease loss provision to assets | 0.0958% | 2,394 |
| Net operating income to assets | 1.3670% | 1,109 |
| Return on assets (ROA) | 1.3962% | 1,090 |
| Pretax return on assets | 1.3962% | 1,920 |
| Return on Equity (ROE) | 14.3328% | 793 |
| Retained earnings to average equity (ytd only) | 2.2957% | 4,422 |
| Net charge-offs to loans | 0.0593% | 3,036 |
| Credit loss provision to net charge-offs | 293.6170% | 1,007 |
| Earnings coverage of net charge-offs (x) | 44.8156% | 1,081 |
| Efficiency ratio | 67.3460% | 3,687 |
| Assets per employee ($millions) | 3.6757% | 4,516 |
| Cash dividends to net income (ytd only)* | 83.9828% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 5,527 |
| Loan loss allowance to noncurrent loans | 5,656.2500% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 5,533 |
| Noncurrent loans to loans | 0.0133% | 5,479 |
| Net loans and leases to total assets | 54.9575% | 4,398 |
| Net loans and leases to deposits | 64.5687% | 4,425 |
| Net loans and leases to core deposits | 68.1904% | 4,438 |
| Total domestic deposits to total assets | 85.1148% | 3,037 |
| Equity capital to assets | 9.6340% | 4,395 |
| Core capital (leverage) ratio | 8.7536% | 5,161 |
| Tier 1 risk-based capital ratio | 19.8331% | 1,508 |
| Total risk-based capital ratio | 20.7869% | 1,546 |
| Memoranda: | ||
| Average total assets | $431,963,200 | 1,546 |
| Average earning assets | $399,062,800 | 1,535 |
| Average equity | $42,078,400 | 1,728 |
| Average total loans | $237,896,600 | 1,817 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 3,669 |
| Cost of funding earning assets | 0.5118% | 2,104 |
| Net interest margin | 3.4116% | 3,906 |
| Noninterest income to average assets | 1.3505% | 670 |
| Noninterest expense to average assets | 3.0728% | 2,291 |
| Loan and lease loss provision to assets | 0.0590% | 3,005 |
| Net operating income to assets | 1.3700% | 1,182 |
| Return on assets (ROA) | 1.4037% | 1,144 |
| Pretax return on assets | 1.4037% | 1,997 |
| Return on Equity (ROE) | 14.3700% | 829 |
| Retained earnings to average equity (ytd only) | 2.2363% | 4,762 |
| Net charge-offs to loans | 0.0719% | 2,535 |
| Credit loss provision to net charge-offs | 149.2188% | 1,689 |
| Earnings coverage of net charge-offs (x) | 36.1333% | 1,331 |
| Efficiency ratio | 67.4605% | 3,640 |
| Assets per employee ($millions) | 3.6062% | 4,597 |
| Cash dividends to net income (ytd only)* | 84.4376% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 5,801 |
| Loan loss allowance to noncurrent loans | 2,580.6452% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 5,479 |
| Noncurrent loans to loans | 0.0257% | 5,531 |
| Net loans and leases to total assets | 56.3573% | 4,313 |
| Net loans and leases to deposits | 66.3708% | 4,349 |
| Net loans and leases to core deposits | 70.7258% | 4,305 |
| Total domestic deposits to total assets | 84.9128% | 3,049 |
| Equity capital to assets | 9.8727% | 4,313 |
| Core capital (leverage) ratio | 8.6928% | 5,360 |
| Tier 1 risk-based capital ratio | 19.5107% | 1,663 |
| Total risk-based capital ratio | 20.3462% | 1,716 |
| Memoranda: | ||
| Average total assets | $431,520,750 | 1,552 |
| Average earning assets | $398,586,500 | 1,550 |
| Average equity | $42,151,500 | 1,745 |
| Average total loans | $237,326,000 | 1,821 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 3,642 |
| Cost of funding earning assets | 0.5135% | 2,129 |
| Net interest margin | 3.3978% | 3,916 |
| Noninterest income to average assets | 1.3527% | 672 |
| Noninterest expense to average assets | 3.0578% | 2,370 |
| Loan and lease loss provision to assets | 0.0554% | 3,002 |
| Net operating income to assets | 1.3683% | 1,150 |
| Return on assets (ROA) | 1.3711% | 1,191 |
| Pretax return on assets | 1.3711% | 2,108 |
| Return on Equity (ROE) | 14.0859% | 883 |
| Retained earnings to average equity (ytd only) | 1.9148% | 4,741 |
| Net charge-offs to loans | 0.0992% | 2,020 |
| Credit loss provision to net charge-offs | 102.5641% | 2,013 |
| Earnings coverage of net charge-offs (x) | 26.3761% | 1,484 |
| Efficiency ratio | 67.4387% | 3,757 |
| Assets per employee ($millions) | 3.5322% | 4,734 |
| Cash dividends to net income (ytd only)* | 86.4065% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6449% | 5,902 |
| Loan loss allowance to noncurrent loans | 1,199.2248% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 5,468 |
| Noncurrent loans to loans | 0.0538% | 5,524 |
| Net loans and leases to total assets | 55.3091% | 4,407 |
| Net loans and leases to deposits | 65.7243% | 4,361 |
| Net loans and leases to core deposits | 70.0843% | 4,317 |
| Total domestic deposits to total assets | 84.1531% | 3,497 |
| Equity capital to assets | 9.6671% | 4,447 |
| Core capital (leverage) ratio | 8.6347% | 5,389 |
| Tier 1 risk-based capital ratio | 17.0408% | 2,390 |
| Total risk-based capital ratio | 17.7525% | 2,558 |
| Memoranda: | ||
| Average total assets | $433,518,670 | 1,555 |
| Average earning assets | $399,197,000 | 1,553 |
| Average equity | $42,198,330 | 1,753 |
| Average total loans | $235,963,000 | 1,832 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 3,798 |
| Cost of funding earning assets | 0.5149% | 2,156 |
| Net interest margin | 3.3421% | 4,053 |
| Noninterest income to average assets | 1.3670% | 619 |
| Noninterest expense to average assets | 3.1241% | 2,197 |
| Loan and lease loss provision to assets | 0.0570% | 2,788 |
| Net operating income to assets | 1.2732% | 1,351 |
| Return on assets (ROA) | 1.2805% | 1,417 |
| Pretax return on assets | 1.2805% | 2,353 |
| Return on Equity (ROE) | 13.1109% | 1,059 |
| Retained earnings to average equity (ytd only) | 0.9230% | 5,095 |
| Net charge-offs to loans | 0.1675% | 1,270 |
| Credit loss provision to net charge-offs | 63.2653% | 1,967 |
| Earnings coverage of net charge-offs (x) | 14.7551% | 1,661 |
| Efficiency ratio | 69.3309% | 3,606 |
| Assets per employee ($millions) | 3.6021% | 4,720 |
| Cash dividends to net income (ytd only)* | 92.9598% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6394% | 6,002 |
| Loan loss allowance to noncurrent loans | 1,516.1616% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 5,623 |
| Noncurrent loans to loans | 0.0422% | 5,613 |
| Net loans and leases to total assets | 53.5160% | 4,496 |
| Net loans and leases to deposits | 62.7426% | 4,502 |
| Net loans and leases to core deposits | 66.7292% | 4,452 |
| Total domestic deposits to total assets | 85.2944% | 3,270 |
| Equity capital to assets | 9.7473% | 4,435 |
| Core capital (leverage) ratio | 8.5904% | 5,430 |
| Tier 1 risk-based capital ratio | 17.4500% | 2,316 |
| Total risk-based capital ratio | 18.1632% | 2,465 |
| Memoranda: | ||
| Average total assets | $434,816,000 | 1,562 |
| Average earning assets | $401,666,500 | 1,553 |
| Average equity | $42,468,500 | 1,749 |
| Average total loans | $234,001,000 | 1,845 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,536 |
| Cost of funding earning assets | 0.5722% | 2,025 |
| Net interest margin | 3.4751% | 3,883 |
| Noninterest income to average assets | 1.3524% | 665 |
| Noninterest expense to average assets | 3.2486% | 2,080 |
| Loan and lease loss provision to assets | 0.0569% | 3,410 |
| Net operating income to assets | 1.2334% | 1,485 |
| Return on assets (ROA) | 1.2500% | 1,494 |
| Pretax return on assets | 1.2500% | 2,440 |
| Return on Equity (ROE) | 12.7063% | 1,205 |
| Retained earnings to average equity (ytd only) | 0.8334% | 5,395 |
| Net charge-offs to loans | -0.0149% | 5,641 |
| Credit loss provision to net charge-offs | -685.7143% | 5,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4215% | 3,641 |
| Assets per employee ($millions) | 3.5266% | 4,855 |
| Cash dividends to net income (ytd only)* | 93.4408% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6590% | 6,062 |
| Loan loss allowance to noncurrent loans | 343.0804% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 5,621 |
| Noncurrent loans to loans | 0.1921% | 5,132 |
| Net loans and leases to total assets | 53.4173% | 4,648 |
| Net loans and leases to deposits | 62.8181% | 4,653 |
| Net loans and leases to core deposits | 66.9139% | 4,603 |
| Total domestic deposits to total assets | 85.0349% | 3,269 |
| Equity capital to assets | 9.7868% | 4,373 |
| Core capital (leverage) ratio | 8.4692% | 5,583 |
| Tier 1 risk-based capital ratio | 17.3163% | 2,374 |
| Total risk-based capital ratio | 18.0452% | 2,547 |
| Memoranda: | ||
| Average total assets | $421,998,400 | 1,572 |
| Average earning assets | $386,952,800 | 1,570 |
| Average equity | $41,515,000 | 1,727 |
| Average total loans | $235,191,600 | 1,789 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 3,455 |
| Cost of funding earning assets | 0.5787% | 2,028 |
| Net interest margin | 3.5013% | 3,825 |
| Noninterest income to average assets | 1.3452% | 679 |
| Noninterest expense to average assets | 3.2075% | 2,154 |
| Loan and lease loss provision to assets | 0.0573% | 3,221 |
| Net operating income to assets | 1.2854% | 1,412 |
| Return on assets (ROA) | 1.3077% | 1,405 |
| Pretax return on assets | 1.3077% | 2,346 |
| Return on Equity (ROE) | 13.2747% | 1,142 |
| Retained earnings to average equity (ytd only) | 1.2758% | 5,386 |
| Net charge-offs to loans | -0.0198% | 5,607 |
| Credit loss provision to net charge-offs | -514.2857% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3309% | 3,799 |
| Assets per employee ($millions) | 3.4702% | 4,916 |
| Cash dividends to net income (ytd only)* | 90.3894% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6295% | 6,187 |
| Loan loss allowance to noncurrent loans | 461.5625% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 5,845 |
| Noncurrent loans to loans | 0.1364% | 5,518 |
| Net loans and leases to total assets | 54.6278% | 4,500 |
| Net loans and leases to deposits | 64.1890% | 4,516 |
| Net loans and leases to core deposits | 68.8482% | 4,427 |
| Total domestic deposits to total assets | 85.1047% | 3,298 |
| Equity capital to assets | 9.7596% | 4,473 |
| Core capital (leverage) ratio | 8.5972% | 5,555 |
| Tier 1 risk-based capital ratio | 17.3192% | 2,461 |
| Total risk-based capital ratio | 18.0207% | 2,645 |
| Memoranda: | ||
| Average total assets | $419,053,750 | 1,593 |
| Average earning assets | $383,580,500 | 1,596 |
| Average equity | $41,280,500 | 1,743 |
| Average total loans | $235,677,250 | 1,794 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 3,273 |
| Cost of funding earning assets | 0.5849% | 2,026 |
| Net interest margin | 3.5315% | 3,648 |
| Noninterest income to average assets | 1.3461% | 660 |
| Noninterest expense to average assets | 3.2181% | 2,135 |
| Loan and lease loss provision to assets | 0.0576% | 3,139 |
| Net operating income to assets | 1.2947% | 1,329 |
| Return on assets (ROA) | 1.3283% | 1,281 |
| Pretax return on assets | 1.3283% | 2,156 |
| Return on Equity (ROE) | 13.4419% | 1,065 |
| Retained earnings to average equity (ytd only) | 1.7349% | 5,036 |
| Net charge-offs to loans | -0.0169% | 5,485 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2463% | 3,960 |
| Assets per employee ($millions) | 3.4778% | 4,892 |
| Cash dividends to net income (ytd only)* | 87.0933% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5890% | 6,325 |
| Loan loss allowance to noncurrent loans | 1,229.8246% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,987 |
| Noncurrent loans to loans | 0.0479% | 5,908 |
| Net loans and leases to total assets | 56.2321% | 4,255 |
| Net loans and leases to deposits | 66.5582% | 4,214 |
| Net loans and leases to core deposits | 71.5547% | 4,092 |
| Total domestic deposits to total assets | 84.4857% | 3,730 |
| Equity capital to assets | 9.9318% | 4,199 |
| Core capital (leverage) ratio | 8.6893% | 5,416 |
| Tier 1 risk-based capital ratio | 16.8050% | 2,706 |
| Total risk-based capital ratio | 17.4537% | 2,926 |
| Memoranda: | ||
| Average total assets | $416,461,000 | 1,602 |
| Average earning assets | $380,231,670 | 1,610 |
| Average equity | $41,155,000 | 1,740 |
| Average total loans | $236,021,000 | 1,785 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 3,389 |
| Cost of funding earning assets | 0.5893% | 2,070 |
| Net interest margin | 3.4827% | 3,773 |
| Noninterest income to average assets | 1.3247% | 652 |
| Noninterest expense to average assets | 3.3060% | 1,936 |
| Loan and lease loss provision to assets | 0.0579% | 2,957 |
| Net operating income to assets | 1.1335% | 1,683 |
| Return on assets (ROA) | 1.1866% | 1,591 |
| Pretax return on assets | 1.1866% | 2,544 |
| Return on Equity (ROE) | 12.0387% | 1,394 |
| Retained earnings to average equity (ytd only) | 0.8424% | 5,255 |
| Net charge-offs to loans | -0.0153% | 5,217 |
| Credit loss provision to net charge-offs | -666.6667% | 5,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2967% | 3,611 |
| Assets per employee ($millions) | 3.5116% | 4,897 |
| Cash dividends to net income (ytd only)* | 93.0024% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5638% | 6,449 |
| Loan loss allowance to noncurrent loans | 1,623.1707% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 5,936 |
| Noncurrent loans to loans | 0.0347% | 6,044 |
| Net loans and leases to total assets | 56.1790% | 4,128 |
| Net loans and leases to deposits | 65.9243% | 4,105 |
| Net loans and leases to core deposits | 70.9167% | 3,991 |
| Total domestic deposits to total assets | 85.2174% | 3,768 |
| Equity capital to assets | 9.7435% | 4,172 |
| Core capital (leverage) ratio | 8.6629% | 5,438 |
| Tier 1 risk-based capital ratio | 16.6543% | 2,832 |
| Total risk-based capital ratio | 17.2710% | 3,115 |
| Memoranda: | ||
| Average total assets | $414,282,500 | 1,619 |
| Average earning assets | $377,403,500 | 1,626 |
| Average equity | $40,835,000 | 1,748 |
| Average total loans | $235,013,000 | 1,790 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,226 |
| Cost of funding earning assets | 0.6217% | 2,468 |
| Net interest margin | 3.6101% | 3,423 |
| Noninterest income to average assets | 1.3370% | 777 |
| Noninterest expense to average assets | 3.2619% | 2,243 |
| Loan and lease loss provision to assets | 0.0325% | 4,465 |
| Net operating income to assets | 1.3122% | 1,221 |
| Return on assets (ROA) | 1.0175% | 2,315 |
| Pretax return on assets | 1.0175% | 3,281 |
| Return on Equity (ROE) | 9.8278% | 2,181 |
| Retained earnings to average equity (ytd only) | -0.3165% | 5,940 |
| Net charge-offs to loans | 0.0557% | 4,452 |
| Credit loss provision to net charge-offs | 108.0000% | 2,224 |
| Earnings coverage of net charge-offs (x) | 44.6480% | 862 |
| Efficiency ratio | 68.6542% | 4,073 |
| Assets per employee ($millions) | 3.4224% | 5,037 |
| Cash dividends to net income (ytd only)* | 103.2205% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5395% | 6,539 |
| Loan loss allowance to noncurrent loans | 876.3889% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 5,962 |
| Noncurrent loans to loans | 0.0616% | 6,045 |
| Net loans and leases to total assets | 56.6547% | 4,231 |
| Net loans and leases to deposits | 66.9250% | 4,188 |
| Net loans and leases to core deposits | 72.4764% | 4,006 |
| Total domestic deposits to total assets | 84.6540% | 3,907 |
| Equity capital to assets | 9.9720% | 3,806 |
| Core capital (leverage) ratio | 8.7386% | 5,373 |
| Tier 1 risk-based capital ratio | 16.7409% | 2,743 |
| Total risk-based capital ratio | 17.3317% | 3,020 |
| Memoranda: | ||
| Average total assets | $415,029,200 | 1,590 |
| Average earning assets | $375,885,800 | 1,607 |
| Average equity | $42,970,000 | 1,632 |
| Average total loans | $224,347,600 | 1,822 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 3,242 |
| Cost of funding earning assets | 0.6254% | 2,602 |
| Net interest margin | 3.6127% | 3,390 |
| Noninterest income to average assets | 1.3134% | 860 |
| Noninterest expense to average assets | 3.2061% | 2,350 |
| Loan and lease loss provision to assets | 0.0336% | 4,347 |
| Net operating income to assets | 1.3425% | 1,236 |
| Return on assets (ROA) | 1.4864% | 966 |
| Pretax return on assets | 1.4864% | 1,651 |
| Return on Equity (ROE) | 14.2273% | 943 |
| Retained earnings to average equity (ytd only) | 2.3707% | 4,912 |
| Net charge-offs to loans | 0.0499% | 4,193 |
| Credit loss provision to net charge-offs | 126.5060% | 1,860 |
| Earnings coverage of net charge-offs (x) | 51.7488% | 844 |
| Efficiency ratio | 67.8064% | 4,130 |
| Assets per employee ($millions) | 3.5004% | 4,851 |
| Cash dividends to net income (ytd only)* | 83.3369% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5541% | 6,613 |
| Loan loss allowance to noncurrent loans | 424.6667% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 6,112 |
| Noncurrent loans to loans | 0.1305% | 5,927 |
| Net loans and leases to total assets | 54.8904% | 4,474 |
| Net loans and leases to deposits | 64.7549% | 4,437 |
| Net loans and leases to core deposits | 69.6188% | 4,363 |
| Total domestic deposits to total assets | 84.7665% | 3,853 |
| Equity capital to assets | 9.9667% | 3,946 |
| Core capital (leverage) ratio | 8.8809% | 5,278 |
| Tier 1 risk-based capital ratio | 16.8369% | 2,781 |
| Total risk-based capital ratio | 17.4235% | 3,057 |
| Memoranda: | ||
| Average total assets | $416,114,500 | 1,595 |
| Average earning assets | $376,511,500 | 1,613 |
| Average equity | $43,474,000 | 1,619 |
| Average total loans | $221,950,500 | 1,846 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 3,334 |
| Cost of funding earning assets | 0.6324% | 2,661 |
| Net interest margin | 3.5762% | 3,462 |
| Noninterest income to average assets | 1.2881% | 931 |
| Noninterest expense to average assets | 3.2584% | 2,196 |
| Loan and lease loss provision to assets | 0.0264% | 4,389 |
| Net operating income to assets | 1.2361% | 1,497 |
| Return on assets (ROA) | 1.4520% | 1,056 |
| Pretax return on assets | 1.4520% | 1,760 |
| Return on Equity (ROE) | 13.6879% | 1,072 |
| Retained earnings to average equity (ytd only) | 2.0124% | 4,991 |
| Net charge-offs to loans | 0.0529% | 3,937 |
| Credit loss provision to net charge-offs | 94.8276% | 2,335 |
| Earnings coverage of net charge-offs (x) | 45.2759% | 853 |
| Efficiency ratio | 69.8820% | 3,851 |
| Assets per employee ($millions) | 3.5239% | 4,805 |
| Cash dividends to net income (ytd only)* | 85.2980% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5435% | 6,670 |
| Loan loss allowance to noncurrent loans | 578.2407% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 5,976 |
| Noncurrent loans to loans | 0.0940% | 6,119 |
| Net loans and leases to total assets | 54.5072% | 4,518 |
| Net loans and leases to deposits | 66.3041% | 4,228 |
| Net loans and leases to core deposits | 71.4899% | 4,111 |
| Total domestic deposits to total assets | 82.2079% | 4,977 |
| Equity capital to assets | 10.2931% | 3,554 |
| Core capital (leverage) ratio | 8.7778% | 5,320 |
| Tier 1 risk-based capital ratio | 16.2686% | 3,057 |
| Total risk-based capital ratio | 16.8309% | 3,388 |
| Memoranda: | ||
| Average total assets | $415,970,000 | 1,599 |
| Average earning assets | $376,041,330 | 1,617 |
| Average equity | $44,126,670 | 1,601 |
| Average total loans | $219,294,330 | 1,862 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 3,354 |
| Cost of funding earning assets | 0.6522% | 2,637 |
| Net interest margin | 3.5349% | 3,545 |
| Noninterest income to average assets | 1.2446% | 986 |
| Noninterest expense to average assets | 3.3649% | 1,916 |
| Loan and lease loss provision to assets | 0.0193% | 4,227 |
| Net operating income to assets | 1.0524% | 2,026 |
| Return on assets (ROA) | 1.4860% | 963 |
| Pretax return on assets | 1.4860% | 1,597 |
| Return on Equity (ROE) | 13.8002% | 1,001 |
| Retained earnings to average equity (ytd only) | 1.7037% | 5,127 |
| Net charge-offs to loans | -0.0075% | 5,358 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6017% | 3,331 |
| Assets per employee ($millions) | 3.5578% | 4,865 |
| Cash dividends to net income (ytd only)* | 87.6543% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5824% | 6,727 |
| Loan loss allowance to noncurrent loans | 187.6471% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 6,046 |
| Noncurrent loans to loans | 0.3104% | 5,623 |
| Net loans and leases to total assets | 52.3304% | 4,657 |
| Net loans and leases to deposits | 62.0994% | 4,532 |
| Net loans and leases to core deposits | 67.0778% | 4,408 |
| Total domestic deposits to total assets | 84.2688% | 4,366 |
| Equity capital to assets | 10.5830% | 3,446 |
| Core capital (leverage) ratio | 8.9265% | 5,014 |
| Tier 1 risk-based capital ratio | 16.7410% | 2,889 |
| Total risk-based capital ratio | 17.3381% | 3,171 |
| Memoranda: | ||
| Average total assets | $414,280,000 | 1,617 |
| Average earning assets | $374,097,000 | 1,634 |
| Average equity | $44,608,000 | 1,605 |
| Average total loans | $214,029,000 | 1,917 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 3,630 |
| Cost of funding earning assets | 0.8349% | 2,394 |
| Net interest margin | 3.6108% | 4,040 |
| Noninterest income to average assets | 1.2626% | 984 |
| Noninterest expense to average assets | 3.1442% | 2,797 |
| Loan and lease loss provision to assets | 0.0095% | 5,800 |
| Net operating income to assets | 1.3712% | 1,150 |
| Return on assets (ROA) | 1.7108% | 678 |
| Pretax return on assets | 1.7108% | 1,109 |
| Return on Equity (ROE) | 15.7542% | 694 |
| Retained earnings to average equity (ytd only) | 3.7560% | 3,573 |
| Net charge-offs to loans | -0.0015% | 6,316 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2579% | 4,279 |
| Assets per employee ($millions) | 3.3795% | 5,264 |
| Cash dividends to net income (ytd only)* | 76.1585% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5992% | 6,759 |
| Loan loss allowance to noncurrent loans | 2,782.2222% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 6,617 |
| Noncurrent loans to loans | 0.0215% | 6,479 |
| Net loans and leases to total assets | 50.3758% | 5,117 |
| Net loans and leases to deposits | 60.2714% | 5,000 |
| Net loans and leases to core deposits | 65.2969% | 4,807 |
| Total domestic deposits to total assets | 83.5816% | 4,505 |
| Equity capital to assets | 10.9539% | 3,009 |
| Core capital (leverage) ratio | 8.7720% | 5,226 |
| Tier 1 risk-based capital ratio | 16.9781% | 2,663 |
| Total risk-based capital ratio | 17.5772% | 2,940 |
| Memoranda: | ||
| Average total assets | $408,689,400 | 1,601 |
| Average earning assets | $369,254,600 | 1,622 |
| Average equity | $44,381,800 | 1,571 |
| Average total loans | $201,092,600 | 1,998 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 3,777 |
| Cost of funding earning assets | 0.8656% | 2,424 |
| Net interest margin | 3.5953% | 4,252 |
| Noninterest income to average assets | 1.2392% | 973 |
| Noninterest expense to average assets | 3.1951% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2951% | 1,451 |
| Return on assets (ROA) | 1.7489% | 697 |
| Pretax return on assets | 1.7489% | 1,161 |
| Return on Equity (ROE) | 16.1403% | 729 |
| Retained earnings to average equity (ytd only) | 4.0373% | 4,048 |
| Net charge-offs to loans | -0.0060% | 6,294 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9070% | 3,893 |
| Assets per employee ($millions) | 3.3468% | 5,327 |
| Cash dividends to net income (ytd only)* | 74.9860% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5888% | 6,880 |
| Loan loss allowance to noncurrent loans | 1,007.4380% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,694 |
| Noncurrent loans to loans | 0.0584% | 6,469 |
| Net loans and leases to total assets | 50.4081% | 5,264 |
| Net loans and leases to deposits | 60.3659% | 5,163 |
| Net loans and leases to core deposits | 65.4426% | 5,007 |
| Total domestic deposits to total assets | 83.5043% | 4,435 |
| Equity capital to assets | 10.9960% | 3,283 |
| Core capital (leverage) ratio | 8.7492% | 5,404 |
| Tier 1 risk-based capital ratio | 16.9071% | 2,780 |
| Total risk-based capital ratio | 17.4952% | 3,104 |
| Memoranda: | ||
| Average total assets | $407,787,000 | 1,616 |
| Average earning assets | $368,731,250 | 1,636 |
| Average equity | $44,186,500 | 1,592 |
| Average total loans | $199,128,000 | 2,031 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 4,021 |
| Cost of funding earning assets | 0.8992% | 2,403 |
| Net interest margin | 3.5424% | 4,495 |
| Noninterest income to average assets | 1.2237% | 957 |
| Noninterest expense to average assets | 3.2021% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2247% | 1,625 |
| Return on assets (ROA) | 1.9057% | 517 |
| Pretax return on assets | 1.9057% | 833 |
| Return on Equity (ROE) | 17.6749% | 544 |
| Retained earnings to average equity (ytd only) | 5.1332% | 3,197 |
| Net charge-offs to loans | -0.0102% | 6,285 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0510% | 3,752 |
| Assets per employee ($millions) | 3.3530% | 5,323 |
| Cash dividends to net income (ytd only)* | 70.9578% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 6,927 |
| Loan loss allowance to noncurrent loans | 1,671.2329% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 6,700 |
| Noncurrent loans to loans | 0.0363% | 6,592 |
| Net loans and leases to total assets | 48.4989% | 5,567 |
| Net loans and leases to deposits | 57.7500% | 5,477 |
| Net loans and leases to core deposits | 63.3016% | 5,277 |
| Total domestic deposits to total assets | 83.9808% | 4,323 |
| Equity capital to assets | 10.6839% | 3,473 |
| Core capital (leverage) ratio | 8.7269% | 5,337 |
| Tier 1 risk-based capital ratio | 17.0948% | 2,628 |
| Total risk-based capital ratio | 17.6953% | 2,909 |
| Memoranda: | ||
| Average total assets | $407,611,670 | 1,619 |
| Average earning assets | $368,567,000 | 1,640 |
| Average equity | $43,949,330 | 1,591 |
| Average total loans | $196,490,000 | 2,059 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 4,155 |
| Cost of funding earning assets | 0.9334% | 2,412 |
| Net interest margin | 3.5083% | 4,652 |
| Noninterest income to average assets | 1.2468% | 911 |
| Noninterest expense to average assets | 3.2477% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1639% | 1,844 |
| Return on assets (ROA) | 2.5340% | 210 |
| Pretax return on assets | 2.5340% | 321 |
| Return on Equity (ROE) | 23.3935% | 229 |
| Retained earnings to average equity (ytd only) | 9.4230% | 1,435 |
| Net charge-offs to loans | -0.0021% | 5,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3135% | 3,567 |
| Assets per employee ($millions) | 3.4719% | 5,182 |
| Cash dividends to net income (ytd only)* | 59.7195% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6115% | 6,975 |
| Loan loss allowance to noncurrent loans | 1,026.2712% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 6,738 |
| Noncurrent loans to loans | 0.0596% | 6,606 |
| Net loans and leases to total assets | 48.0413% | 5,549 |
| Net loans and leases to deposits | 57.2666% | 5,459 |
| Net loans and leases to core deposits | 63.1529% | 5,207 |
| Total domestic deposits to total assets | 83.8906% | 4,547 |
| Equity capital to assets | 10.6645% | 3,305 |
| Core capital (leverage) ratio | 8.7987% | 5,132 |
| Tier 1 risk-based capital ratio | 17.1823% | 2,608 |
| Total risk-based capital ratio | 17.7848% | 2,861 |
| Memoranda: | ||
| Average total assets | $405,205,500 | 1,635 |
| Average earning assets | $365,532,500 | 1,656 |
| Average equity | $43,892,500 | 1,585 |
| Average total loans | $194,114,500 | 2,090 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 3,309 |
| Cost of funding earning assets | 1.1005% | 2,672 |
| Net interest margin | 3.8087% | 3,774 |
| Noninterest income to average assets | 1.3161% | 746 |
| Noninterest expense to average assets | 3.3471% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3390% | 1,160 |
| Return on assets (ROA) | 1.4827% | 935 |
| Pretax return on assets | 1.4827% | 1,525 |
| Return on Equity (ROE) | 13.9933% | 931 |
| Retained earnings to average equity (ytd only) | 2.8448% | 4,215 |
| Net charge-offs to loans | 0.0153% | 6,224 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 181.5172% | 188 |
| Efficiency ratio | 69.1907% | 4,112 |
| Assets per employee ($millions) | 3.3394% | 5,399 |
| Cash dividends to net income (ytd only)* | 79.6706% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6362% | 6,977 |
| Loan loss allowance to noncurrent loans | 1,805.9701% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 6,931 |
| Noncurrent loans to loans | 0.0352% | 6,737 |
| Net loans and leases to total assets | 47.1619% | 5,910 |
| Net loans and leases to deposits | 56.6641% | 5,825 |
| Net loans and leases to core deposits | 62.3158% | 5,623 |
| Total domestic deposits to total assets | 83.2307% | 4,658 |
| Equity capital to assets | 11.0035% | 2,977 |
| Core capital (leverage) ratio | 8.4627% | 5,622 |
| Tier 1 risk-based capital ratio | 17.1491% | 2,536 |
| Total risk-based capital ratio | 17.7704% | 2,778 |
| Memoranda: | ||
| Average total assets | $393,143,000 | 1,649 |
| Average earning assets | $347,857,000 | 1,709 |
| Average equity | $41,655,600 | 1,613 |
| Average total loans | $188,943,600 | 2,143 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 3,008 |
| Cost of funding earning assets | 1.1246% | 2,800 |
| Net interest margin | 3.8913% | 3,421 |
| Noninterest income to average assets | 1.3352% | 735 |
| Noninterest expense to average assets | 3.3148% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4507% | 1,048 |
| Return on assets (ROA) | 1.5533% | 917 |
| Pretax return on assets | 1.5533% | 1,504 |
| Return on Equity (ROE) | 14.8058% | 867 |
| Retained earnings to average equity (ytd only) | 3.2710% | 4,388 |
| Net charge-offs to loans | 0.0226% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 133.0176% | 282 |
| Efficiency ratio | 67.3484% | 4,455 |
| Assets per employee ($millions) | 3.3721% | 5,316 |
| Cash dividends to net income (ytd only)* | 77.9070% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 7,040 |
| Loan loss allowance to noncurrent loans | 2,235.1852% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 7,032 |
| Noncurrent loans to loans | 0.0284% | 6,871 |
| Net loans and leases to total assets | 47.0395% | 6,050 |
| Net loans and leases to deposits | 56.5156% | 5,982 |
| Net loans and leases to core deposits | 62.0550% | 5,808 |
| Total domestic deposits to total assets | 83.2327% | 4,592 |
| Equity capital to assets | 11.0813% | 3,066 |
| Core capital (leverage) ratio | 8.7093% | 5,398 |
| Tier 1 risk-based capital ratio | 17.1538% | 2,584 |
| Total risk-based capital ratio | 17.7789% | 2,812 |
| Memoranda: | ||
| Average total assets | $391,247,250 | 1,669 |
| Average earning assets | $344,895,750 | 1,729 |
| Average equity | $41,046,000 | 1,636 |
| Average total loans | $188,629,500 | 2,162 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 2,426 |
| Cost of funding earning assets | 1.1705% | 2,773 |
| Net interest margin | 3.9879% | 2,899 |
| Noninterest income to average assets | 1.3271% | 715 |
| Noninterest expense to average assets | 3.3673% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4468% | 984 |
| Return on assets (ROA) | 1.4468% | 1,044 |
| Pretax return on assets | 1.4468% | 1,675 |
| Return on Equity (ROE) | 14.0632% | 969 |
| Retained earnings to average equity (ytd only) | 2.5961% | 4,642 |
| Net charge-offs to loans | -0.0223% | 6,848 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7412% | 4,564 |
| Assets per employee ($millions) | 3.1546% | 5,744 |
| Cash dividends to net income (ytd only)* | 81.5396% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6744% | 7,050 |
| Loan loss allowance to noncurrent loans | 728.3237% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 6,984 |
| Noncurrent loans to loans | 0.0926% | 6,747 |
| Net loans and leases to total assets | 47.8297% | 6,070 |
| Net loans and leases to deposits | 57.2781% | 6,023 |
| Net loans and leases to core deposits | 63.4752% | 5,780 |
| Total domestic deposits to total assets | 83.5044% | 4,547 |
| Equity capital to assets | 10.7298% | 3,252 |
| Core capital (leverage) ratio | 8.6390% | 5,327 |
| Tier 1 risk-based capital ratio | 16.8383% | 2,594 |
| Total risk-based capital ratio | 17.4905% | 2,832 |
| Memoranda: | ||
| Average total assets | $387,903,000 | 1,690 |
| Average earning assets | $339,173,330 | 1,763 |
| Average equity | $39,905,670 | 1,677 |
| Average total loans | $188,183,670 | 2,191 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0766% | 2,744 |
| Cost of funding earning assets | 1.1916% | 2,879 |
| Net interest margin | 3.8850% | 3,219 |
| Noninterest income to average assets | 1.3531% | 706 |
| Noninterest expense to average assets | 3.4158% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3335% | 1,195 |
| Return on assets (ROA) | 1.3335% | 1,242 |
| Pretax return on assets | 1.3335% | 1,931 |
| Return on Equity (ROE) | 13.2473% | 1,135 |
| Retained earnings to average equity (ytd only) | 1.5471% | 5,187 |
| Net charge-offs to loans | -0.0085% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6851% | 4,339 |
| Assets per employee ($millions) | 3.2939% | 5,495 |
| Cash dividends to net income (ytd only)* | 88.3217% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6565% | 7,131 |
| Loan loss allowance to noncurrent loans | 1,479.7619% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 7,124 |
| Noncurrent loans to loans | 0.0444% | 6,940 |
| Net loans and leases to total assets | 48.8086% | 5,976 |
| Net loans and leases to deposits | 58.6007% | 5,869 |
| Net loans and leases to core deposits | 65.2919% | 5,586 |
| Total domestic deposits to total assets | 83.2901% | 4,797 |
| Equity capital to assets | 10.4148% | 3,268 |
| Core capital (leverage) ratio | 8.4626% | 5,524 |
| Tier 1 risk-based capital ratio | 16.5557% | 2,641 |
| Total risk-based capital ratio | 17.1976% | 2,896 |
| Memoranda: | ||
| Average total assets | $387,848,500 | 1,702 |
| Average earning assets | $339,047,500 | 1,774 |
| Average equity | $39,042,000 | 1,702 |
| Average total loans | $188,853,000 | 2,205 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2811% | 3,215 |
| Cost of funding earning assets | 1.3760% | 3,419 |
| Net interest margin | 3.9052% | 3,461 |
| Noninterest income to average assets | 1.3259% | 837 |
| Noninterest expense to average assets | 3.3973% | 2,443 |
| Loan and lease loss provision to assets | 0.0414% | 6,751 |
| Net operating income to assets | 1.2410% | 1,317 |
| Return on assets (ROA) | 1.3636% | 1,100 |
| Pretax return on assets | 1.3636% | 1,757 |
| Return on Equity (ROE) | 13.3366% | 1,015 |
| Retained earnings to average equity (ytd only) | 9.3605% | 630 |
| Net charge-offs to loans | 0.0607% | 6,185 |
| Credit loss provision to net charge-offs | 137.1681% | 2,785 |
| Earnings coverage of net charge-offs (x) | 42.4867% | 547 |
| Efficiency ratio | 70.2454% | 4,128 |
| Assets per employee ($millions) | 3.3360% | 5,345 |
| Cash dividends to net income (ytd only)* | 29.8139% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6578% | 7,191 |
| Loan loss allowance to noncurrent loans | 1,392.1348% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 7,187 |
| Noncurrent loans to loans | 0.0472% | 7,011 |
| Net loans and leases to total assets | 47.9419% | 6,395 |
| Net loans and leases to deposits | 58.8498% | 6,172 |
| Net loans and leases to core deposits | 65.1460% | 5,959 |
| Total domestic deposits to total assets | 81.4649% | 5,366 |
| Equity capital to assets | 9.7222% | 4,090 |
| Core capital (leverage) ratio | 8.5167% | 5,332 |
| Tier 1 risk-based capital ratio | 16.2351% | 2,643 |
| Total risk-based capital ratio | 16.8676% | 2,902 |
| Memoranda: | ||
| Average total assets | $374,381,800 | 1,761 |
| Average earning assets | $321,522,000 | 1,851 |
| Average equity | $38,278,000 | 1,723 |
| Average total loans | $186,214,400 | 2,289 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3114% | 3,293 |
| Cost of funding earning assets | 1.4095% | 3,524 |
| Net interest margin | 3.9019% | 3,514 |
| Noninterest income to average assets | 1.3279% | 774 |
| Noninterest expense to average assets | 3.3858% | 2,336 |
| Loan and lease loss provision to assets | 0.0558% | 6,514 |
| Net operating income to assets | 1.2394% | 1,491 |
| Return on assets (ROA) | 1.3394% | 1,332 |
| Pretax return on assets | 1.3394% | 2,066 |
| Return on Equity (ROE) | 12.9330% | 1,267 |
| Retained earnings to average equity (ytd only) | 8.8282% | 1,110 |
| Net charge-offs to loans | 0.0338% | 6,224 |
| Credit loss provision to net charge-offs | 329.7872% | 963 |
| Earnings coverage of net charge-offs (x) | 76.5472% | 396 |
| Efficiency ratio | 69.9554% | 4,076 |
| Assets per employee ($millions) | 3.0823% | 5,960 |
| Cash dividends to net income (ytd only)* | 31.7388% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 7,208 |
| Loan loss allowance to noncurrent loans | 1,403.2258% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 7,295 |
| Noncurrent loans to loans | 0.0494% | 7,120 |
| Net loans and leases to total assets | 50.5257% | 6,268 |
| Net loans and leases to deposits | 61.1594% | 6,200 |
| Net loans and leases to core deposits | 68.2324% | 5,914 |
| Total domestic deposits to total assets | 82.6132% | 4,747 |
| Equity capital to assets | 11.1011% | 2,850 |
| Core capital (leverage) ratio | 8.5194% | 5,473 |
| Tier 1 risk-based capital ratio | 16.7130% | 2,457 |
| Total risk-based capital ratio | 17.4244% | 2,634 |
| Memoranda: | ||
| Average total assets | $370,398,750 | 1,792 |
| Average earning assets | $318,300,750 | 1,896 |
| Average equity | $38,360,750 | 1,738 |
| Average total loans | $185,677,250 | 2,321 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 3,542 |
| Cost of funding earning assets | 1.4417% | 3,609 |
| Net interest margin | 3.8420% | 3,706 |
| Noninterest income to average assets | 1.3476% | 694 |
| Noninterest expense to average assets | 3.3872% | 2,298 |
| Loan and lease loss provision to assets | 0.0783% | 6,160 |
| Net operating income to assets | 1.1701% | 1,649 |
| Return on assets (ROA) | 1.2931% | 1,383 |
| Pretax return on assets | 1.2931% | 2,108 |
| Return on Equity (ROE) | 12.7920% | 1,289 |
| Retained earnings to average equity (ytd only) | 9.6153% | 937 |
| Net charge-offs to loans | 0.0584% | 5,573 |
| Credit loss provision to net charge-offs | 268.5185% | 1,406 |
| Earnings coverage of net charge-offs (x) | 42.8333% | 690 |
| Efficiency ratio | 70.6718% | 4,040 |
| Assets per employee ($millions) | 3.1310% | 5,844 |
| Cash dividends to net income (ytd only)* | 24.8331% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 7,292 |
| Loan loss allowance to noncurrent loans | 1,006.2500% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 7,172 |
| Noncurrent loans to loans | 0.0672% | 7,146 |
| Net loans and leases to total assets | 51.1896% | 6,286 |
| Net loans and leases to deposits | 61.4003% | 6,281 |
| Net loans and leases to core deposits | 69.1167% | 5,960 |
| Total domestic deposits to total assets | 83.3703% | 4,403 |
| Equity capital to assets | 10.4395% | 3,486 |
| Core capital (leverage) ratio | 8.3078% | 5,755 |
| Tier 1 risk-based capital ratio | 13.4856% | 4,076 |
| Total risk-based capital ratio | 14.0682% | 4,551 |
| Memoranda: | ||
| Average total assets | $370,574,000 | 1,808 |
| Average earning assets | $317,125,330 | 1,915 |
| Average equity | $37,461,000 | 1,775 |
| Average total loans | $184,841,000 | 2,366 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 4,030 |
| Cost of funding earning assets | 1.5006% | 3,549 |
| Net interest margin | 3.6974% | 4,261 |
| Noninterest income to average assets | 1.2524% | 785 |
| Noninterest expense to average assets | 3.3778% | 2,298 |
| Loan and lease loss provision to assets | 0.0916% | 5,719 |
| Net operating income to assets | 0.9086% | 2,509 |
| Return on assets (ROA) | 0.9086% | 2,575 |
| Pretax return on assets | 0.9086% | 3,433 |
| Return on Equity (ROE) | 9.1365% | 2,447 |
| Retained earnings to average equity (ytd only) | 7.0664% | 2,107 |
| Net charge-offs to loans | 0.1099% | 4,330 |
| Credit loss provision to net charge-offs | 170.0000% | 2,140 |
| Earnings coverage of net charge-offs (x) | 18.5600% | 1,232 |
| Efficiency ratio | 74.6184% | 3,464 |
| Assets per employee ($millions) | 3.1623% | 5,852 |
| Cash dividends to net income (ytd only)* | 22.6572% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 7,418 |
| Loan loss allowance to noncurrent loans | 296.8675% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 7,052 |
| Noncurrent loans to loans | 0.2215% | 6,889 |
| Net loans and leases to total assets | 50.7423% | 6,397 |
| Net loans and leases to deposits | 60.6846% | 6,393 |
| Net loans and leases to core deposits | 68.6190% | 6,042 |
| Total domestic deposits to total assets | 83.6165% | 4,335 |
| Equity capital to assets | 10.1618% | 3,657 |
| Core capital (leverage) ratio | 7.9399% | 6,324 |
| Tier 1 risk-based capital ratio | 15.1421% | 3,049 |
| Total risk-based capital ratio | 15.7952% | 3,318 |
| Memoranda: | ||
| Average total assets | $371,134,000 | 1,850 |
| Average earning assets | $313,734,500 | 1,990 |
| Average equity | $36,907,000 | 1,826 |
| Average total loans | $182,056,500 | 2,464 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1169% | 1,473 |
| Cost of funding earning assets | 1.8769% | 3,584 |
| Net interest margin | 4.2400% | 1,936 |
| Noninterest income to average assets | 1.7479% | 480 |
| Noninterest expense to average assets | 4.2080% | 1,092 |
| Loan and lease loss provision to assets | 0.1183% | 6,460 |
| Net operating income to assets | 1.0196% | 1,776 |
| Return on assets (ROA) | 1.0201% | 1,820 |
| Pretax return on assets | 1.0201% | 2,523 |
| Return on Equity (ROE) | 11.3175% | 1,349 |
| Retained earnings to average equity (ytd only) | -9.4758% | 6,475 |
| Net charge-offs to loans | 0.1165% | 6,004 |
| Credit loss provision to net charge-offs | 190.6883% | 2,096 |
| Earnings coverage of net charge-offs (x) | 18.3441% | 1,131 |
| Efficiency ratio | 76.7793% | 3,395 |
| Assets per employee ($millions) | 3.3225% | 5,450 |
| Cash dividends to net income (ytd only)* | 183.7272% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6772% | 7,421 |
| Loan loss allowance to noncurrent loans | 199.5000% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 6,909 |
| Noncurrent loans to loans | 0.3395% | 6,602 |
| Net loans and leases to total assets | 46.7577% | 6,914 |
| Net loans and leases to deposits | 58.5922% | 6,738 |
| Net loans and leases to core deposits | 76.2516% | 6,380 |
| Total domestic deposits to total assets | 79.8019% | 5,725 |
| Equity capital to assets | 9.7320% | 4,101 |
| Core capital (leverage) ratio | 5.9101% | 7,654 |
| Tier 1 risk-based capital ratio | 15.0953% | 2,888 |
| Total risk-based capital ratio | 15.7450% | 3,163 |
| Memoranda: | ||
| Average total assets | $398,198,600 | 1,726 |
| Average earning assets | $337,900,200 | 1,844 |
| Average equity | $35,891,400 | 1,878 |
| Average total loans | $211,951,800 | 2,174 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7277% | 3,203 |
| Cost of funding earning assets | 1.8410% | 4,193 |
| Net interest margin | 3.8867% | 3,278 |
| Noninterest income to average assets | 1.2333% | 1,012 |
| Noninterest expense to average assets | 4.0419% | 1,223 |
| Loan and lease loss provision to assets | 0.2380% | 5,065 |
| Net operating income to assets | 0.2707% | 4,899 |
| Return on assets (ROA) | 0.2714% | 5,000 |
| Pretax return on assets | 0.2714% | 5,132 |
| Return on Equity (ROE) | 3.0674% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.0487% | 3,624 |
| Net charge-offs to loans | 0.0507% | 6,208 |
| Credit loss provision to net charge-offs | 858.3333% | 444 |
| Earnings coverage of net charge-offs (x) | 18.3448% | 1,352 |
| Efficiency ratio | 86.5796% | 2,009 |
| Assets per employee ($millions) | 3.0153% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.6086% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6053% | 7,573 |
| Loan loss allowance to noncurrent loans | 277.1084% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 7,225 |
| Noncurrent loans to loans | 0.2184% | 6,952 |
| Net loans and leases to total assets | 58.0658% | 5,878 |
| Net loans and leases to deposits | 70.1377% | 5,898 |
| Net loans and leases to core deposits | 92.6943% | 5,165 |
| Total domestic deposits to total assets | 82.7884% | 4,328 |
| Equity capital to assets | 8.7407% | 5,893 |
| Core capital (leverage) ratio | 7.1432% | 7,315 |
| Tier 1 risk-based capital ratio | 12.3073% | 4,701 |
| Total risk-based capital ratio | 12.9280% | 5,214 |
| Memoranda: | ||
| Average total assets | $403,887,750 | 1,712 |
| Average earning assets | $344,724,000 | 1,826 |
| Average equity | $35,729,750 | 1,907 |
| Average total loans | $220,753,500 | 2,118 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7161% | 3,451 |
| Cost of funding earning assets | 1.9043% | 4,238 |
| Net interest margin | 3.8117% | 3,505 |
| Noninterest income to average assets | 1.2597% | 960 |
| Noninterest expense to average assets | 4.2886% | 958 |
| Loan and lease loss provision to assets | 0.2901% | 4,254 |
| Net operating income to assets | -0.1174% | 6,044 |
| Return on assets (ROA) | -0.1164% | 6,075 |
| Pretax return on assets | -0.1164% | 6,014 |
| Return on Equity (ROE) | -1.3091% | 6,121 |
| Retained earnings to average equity (ytd only) | -1.3091% | 5,570 |
| Net charge-offs to loans | 0.0301% | 6,041 |
| Credit loss provision to net charge-offs | 1,809.6774% | 291 |
| Earnings coverage of net charge-offs (x) | 10.7742% | 1,962 |
| Efficiency ratio | 93.7406% | 1,517 |
| Assets per employee ($millions) | 3.0609% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6203% | 7,596 |
| Loan loss allowance to noncurrent loans | 259.5855% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 7,220 |
| Noncurrent loans to loans | 0.2390% | 6,916 |
| Net loans and leases to total assets | 54.2519% | 6,414 |
| Net loans and leases to deposits | 65.4818% | 6,438 |
| Net loans and leases to core deposits | 85.8065% | 5,921 |
| Total domestic deposits to total assets | 82.8503% | 4,310 |
| Equity capital to assets | 8.4880% | 6,062 |
| Core capital (leverage) ratio | 7.6807% | 6,786 |
| Tier 1 risk-based capital ratio | 12.7762% | 4,302 |
| Total risk-based capital ratio | 13.4001% | 4,707 |
| Memoranda: | ||
| Average total assets | $386,747,330 | 1,809 |
| Average earning assets | $324,838,000 | 1,949 |
| Average equity | $34,374,000 | 1,969 |
| Average total loans | $205,675,000 | 2,285 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6820% | 3,891 |
| Cost of funding earning assets | 1.9635% | 4,315 |
| Net interest margin | 3.7185% | 3,811 |
| Noninterest income to average assets | 1.3210% | 819 |
| Noninterest expense to average assets | 4.5973% | 651 |
| Loan and lease loss provision to assets | 0.1898% | 4,544 |
| Net operating income to assets | -0.2982% | 6,677 |
| Return on assets (ROA) | -0.2982% | 6,752 |
| Pretax return on assets | -0.2982% | 6,673 |
| Return on Equity (ROE) | -3.2636% | 6,803 |
| Retained earnings to average equity (ytd only) | -3.2636% | 6,321 |
| Net charge-offs to loans | 0.0427% | 4,881 |
| Credit loss provision to net charge-offs | 850.0000% | 717 |
| Earnings coverage of net charge-offs (x) | -4.8500% | 5,567 |
| Efficiency ratio | 99.8507% | 1,135 |
| Assets per employee ($millions) | 2.7032% | 6,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5542% | 7,743 |
| Loan loss allowance to noncurrent loans | 218.4825% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 7,135 |
| Noncurrent loans to loans | 0.2537% | 6,809 |
| Net loans and leases to total assets | 52.8671% | 6,595 |
| Net loans and leases to deposits | 64.9762% | 6,465 |
| Net loans and leases to core deposits | 87.1236% | 5,826 |
| Total domestic deposits to total assets | 81.3638% | 4,810 |
| Equity capital to assets | 8.7233% | 5,733 |
| Core capital (leverage) ratio | 7.7787% | 6,778 |
| Tier 1 risk-based capital ratio | 13.1118% | 4,110 |
| Total risk-based capital ratio | 13.6646% | 4,527 |
| Memoranda: | ||
| Average total assets | $358,207,000 | 1,941 |
| Average earning assets | $305,174,500 | 2,091 |
| Average equity | $32,725,000 | 2,069 |
| Average total loans | $187,368,500 | 2,500 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0754% | 5,169 |
| Cost of funding earning assets | 2.3169% | 5,077 |
| Net interest margin | 3.7584% | 4,188 |
| Noninterest income to average assets | 1.5716% | 569 |
| Noninterest expense to average assets | 3.4942% | 2,413 |
| Loan and lease loss provision to assets | 0.0201% | 7,136 |
| Net operating income to assets | 1.3845% | 1,266 |
| Return on assets (ROA) | 1.3845% | 1,215 |
| Pretax return on assets | 1.3845% | 2,015 |
| Return on Equity (ROE) | 14.5355% | 1,002 |
| Retained earnings to average equity (ytd only) | 9.2546% | 567 |
| Net charge-offs to loans | 0.0388% | 6,246 |
| Credit loss provision to net charge-offs | 98.4848% | 5,432 |
| Earnings coverage of net charge-offs (x) | 68.7121% | 593 |
| Efficiency ratio | 69.6952% | 4,400 |
| Assets per employee ($millions) | 3.0204% | 6,016 |
| Cash dividends to net income (ytd only)* | 36.3311% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5653% | 7,739 |
| Loan loss allowance to noncurrent loans | 493.9086% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 7,333 |
| Noncurrent loans to loans | 0.1145% | 7,074 |
| Net loans and leases to total assets | 51.0457% | 6,933 |
| Net loans and leases to deposits | 64.7507% | 6,732 |
| Net loans and leases to core deposits | 85.3654% | 6,180 |
| Total domestic deposits to total assets | 78.8343% | 5,439 |
| Equity capital to assets | 9.6047% | 4,536 |
| Core capital (leverage) ratio | 8.4121% | 5,733 |
| Tier 1 risk-based capital ratio | 15.2903% | 2,924 |
| Total risk-based capital ratio | 15.8452% | 3,175 |
| Memoranda: | ||
| Average total assets | $322,850,000 | 2,068 |
| Average earning assets | $285,810,600 | 2,131 |
| Average equity | $30,752,200 | 2,194 |
| Average total loans | $170,098,800 | 2,615 |