Home > The Brenham National Bank > Performance and Condition Ratios
The Brenham National Bank, 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 | 3.9294% | 4,055 |
| Cost of funding earning assets | 0.8804% | 3,562 |
| Net interest margin | 3.0491% | 3,181 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.2149% | 3,083 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9637% | 2,324 |
| Return on assets (ROA) | 0.9578% | 2,336 |
| Pretax return on assets | 0.9578% | 2,786 |
| Return on Equity (ROE) | 14.1100% | 1,462 |
| Retained earnings to average equity (ytd only) | 8.6143% | 1,362 |
| Net charge-offs to loans | 0.0085% | 2,342 |
| Credit loss provision to net charge-offs | -455.5556% | 4,536 |
| Earnings coverage of net charge-offs (x) | 260.2222% | 482 |
| Efficiency ratio | 68.9883% | 2,010 |
| Assets per employee ($millions) | 8.0846% | 1,393 |
| Cash dividends to net income (ytd only)* | 38.9481% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 2,638 |
| Loan loss allowance to noncurrent loans | 548.8372% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 2,863 |
| Noncurrent loans to loans | 0.2065% | 2,480 |
| Net loans and leases to total assets | 47.4800% | 3,755 |
| Net loans and leases to deposits | 51.6308% | 3,892 |
| Net loans and leases to core deposits | 55.2746% | 3,938 |
| Total domestic deposits to total assets | 91.9700% | 313 |
| Equity capital to assets | 7.3848% | 3,778 |
| Core capital (leverage) ratio | 10.3669% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7535% | 815 |
| Memoranda: | ||
| Average total assets | $470,460,000 | 1,796 |
| Average earning assets | $445,382,800 | 1,762 |
| Average equity | $31,935,400 | 2,188 |
| Average total loans | $211,486,800 | 2,220 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 4,077 |
| Cost of funding earning assets | 0.7878% | 3,561 |
| Net interest margin | 3.0480% | 3,239 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.2694% | 2,887 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9149% | 2,631 |
| Return on assets (ROA) | 0.9049% | 2,645 |
| Pretax return on assets | 0.9049% | 3,092 |
| Return on Equity (ROE) | 13.6400% | 1,755 |
| Retained earnings to average equity (ytd only) | 7.8079% | 2,037 |
| Net charge-offs to loans | 0.0103% | 2,014 |
| Credit loss provision to net charge-offs | 512.5000% | 619 |
| Earnings coverage of net charge-offs (x) | 208.0625% | 580 |
| Efficiency ratio | 70.5633% | 1,726 |
| Assets per employee ($millions) | 8.1291% | 1,287 |
| Cash dividends to net income (ytd only)* | 42.7404% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,115 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 46.3400% | 3,815 |
| Net loans and leases to deposits | 49.5718% | 3,953 |
| Net loans and leases to core deposits | 52.8624% | 3,964 |
| Total domestic deposits to total assets | 93.4900% | 244 |
| Equity capital to assets | 5.9580% | 4,003 |
| Core capital (leverage) ratio | 10.3061% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2255% | 791 |
| Memoranda: | ||
| Average total assets | $468,826,500 | 1,798 |
| Average earning assets | $444,611,500 | 1,766 |
| Average equity | $31,113,000 | 2,204 |
| Average total loans | $207,085,500 | 2,242 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,112 |
| Cost of funding earning assets | 0.6563% | 3,612 |
| Net interest margin | 3.0724% | 3,278 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.2896% | 2,840 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9292% | 2,653 |
| Return on assets (ROA) | 0.9172% | 2,684 |
| Pretax return on assets | 0.9172% | 3,130 |
| Return on Equity (ROE) | 13.3600% | 1,826 |
| Retained earnings to average equity (ytd only) | 8.2565% | 1,888 |
| Net charge-offs to loans | 0.0109% | 1,796 |
| Credit loss provision to net charge-offs | 409.0909% | 724 |
| Earnings coverage of net charge-offs (x) | 204.4545% | 594 |
| Efficiency ratio | 70.4312% | 1,728 |
| Assets per employee ($millions) | 7.5955% | 1,548 |
| Cash dividends to net income (ytd only)* | 38.2106% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 2,135 |
| Loan loss allowance to noncurrent loans | 34,112.5000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,891 |
| Noncurrent loans to loans | 0.0037% | 3,801 |
| Net loans and leases to total assets | 45.4600% | 3,822 |
| Net loans and leases to deposits | 49.0460% | 3,952 |
| Net loans and leases to core deposits | 51.1361% | 3,982 |
| Total domestic deposits to total assets | 92.6900% | 299 |
| Equity capital to assets | 6.7905% | 3,887 |
| Core capital (leverage) ratio | 10.3715% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1370% | 799 |
| Memoranda: | ||
| Average total assets | $467,940,000 | 1,801 |
| Average earning assets | $444,019,667 | 1,773 |
| Average equity | $32,120,333 | 2,182 |
| Average total loans | $202,359,333 | 2,273 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 4,161 |
| Cost of funding earning assets | 0.4641% | 3,796 |
| Net interest margin | 3.1279% | 3,292 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.2485% | 2,963 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0205% | 2,465 |
| Return on assets (ROA) | 0.9836% | 2,552 |
| Pretax return on assets | 0.9836% | 3,044 |
| Return on Equity (ROE) | 14.2500% | 1,728 |
| Retained earnings to average equity (ytd only) | 9.1577% | 1,897 |
| Net charge-offs to loans | 0.0020% | 1,960 |
| Credit loss provision to net charge-offs | 2,200.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 1,227.0000% | 80 |
| Efficiency ratio | 68.1216% | 1,955 |
| Assets per employee ($millions) | 8.0097% | 1,334 |
| Cash dividends to net income (ytd only)* | 35.7454% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 1,724 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,927 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 42.0200% | 3,951 |
| Net loans and leases to deposits | 45.5757% | 4,052 |
| Net loans and leases to core deposits | 46.9996% | 4,077 |
| Total domestic deposits to total assets | 92.2000% | 471 |
| Equity capital to assets | 7.2885% | 3,681 |
| Core capital (leverage) ratio | 10.3288% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1207% | 734 |
| Memoranda: | ||
| Average total assets | $466,450,000 | 1,830 |
| Average earning assets | $442,978,500 | 1,793 |
| Average equity | $32,191,500 | 2,207 |
| Average total loans | $195,133,500 | 2,339 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3392% | 3,497 |
| Cost of funding earning assets | 0.2131% | 3,649 |
| Net interest margin | 3.1260% | 3,096 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.0796% | 3,352 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2323% | 1,652 |
| Return on assets (ROA) | 1.2323% | 1,606 |
| Pretax return on assets | 1.2323% | 2,333 |
| Return on Equity (ROE) | 15.9400% | 1,067 |
| Retained earnings to average equity (ytd only) | 9.2520% | 1,404 |
| Net charge-offs to loans | 0.0079% | 2,094 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 395.7333% | 388 |
| Efficiency ratio | 62.1911% | 2,734 |
| Assets per employee ($millions) | 7.9379% | 1,352 |
| Cash dividends to net income (ytd only)* | 41.9461% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,495 |
| Loan loss allowance to noncurrent loans | 2,808.3333% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,254 |
| Noncurrent loans to loans | 0.0499% | 3,400 |
| Net loans and leases to total assets | 40.4900% | 4,049 |
| Net loans and leases to deposits | 43.5692% | 4,132 |
| Net loans and leases to core deposits | 44.5154% | 4,164 |
| Total domestic deposits to total assets | 92.9400% | 418 |
| Equity capital to assets | 6.5173% | 3,891 |
| Core capital (leverage) ratio | 10.0220% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9977% | 720 |
| Memoranda: | ||
| Average total assets | $469,514,200 | 1,801 |
| Average earning assets | $446,189,800 | 1,769 |
| Average equity | $36,305,800 | 2,058 |
| Average total loans | $189,669,400 | 2,308 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 3,309 |
| Cost of funding earning assets | 0.1875% | 3,425 |
| Net interest margin | 3.0624% | 3,047 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.0643% | 3,306 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1809% | 1,768 |
| Return on assets (ROA) | 1.1809% | 1,738 |
| Pretax return on assets | 1.1809% | 2,440 |
| Return on Equity (ROE) | 14.7000% | 1,239 |
| Retained earnings to average equity (ytd only) | 9.1261% | 1,608 |
| Net charge-offs to loans | 0.0056% | 1,964 |
| Credit loss provision to net charge-offs | 1,412.5000% | 318 |
| Earnings coverage of net charge-offs (x) | 534.2500% | 296 |
| Efficiency ratio | 62.9893% | 2,688 |
| Assets per employee ($millions) | 7.9000% | 1,376 |
| Cash dividends to net income (ytd only)* | 37.8995% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,612 |
| Loan loss allowance to noncurrent loans | 5,793.4783% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,296 |
| Noncurrent loans to loans | 0.0241% | 3,730 |
| Net loans and leases to total assets | 39.6600% | 4,085 |
| Net loans and leases to deposits | 42.3051% | 4,171 |
| Net loans and leases to core deposits | 43.4469% | 4,184 |
| Total domestic deposits to total assets | 93.7500% | 408 |
| Equity capital to assets | 5.8329% | 4,021 |
| Core capital (leverage) ratio | 9.8434% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8302% | 749 |
| Memoranda: | ||
| Average total assets | $469,809,000 | 1,812 |
| Average earning assets | $446,563,000 | 1,779 |
| Average equity | $37,751,500 | 2,032 |
| Average total loans | $189,001,250 | 2,323 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1680% | 3,144 |
| Cost of funding earning assets | 0.1685% | 3,335 |
| Net interest margin | 2.9995% | 2,872 |
| Noninterest income to average assets | 0.3915% | 2,809 |
| Noninterest expense to average assets | 2.0499% | 3,295 |
| Loan and lease loss provision to assets | 0.0320% | 2,014 |
| Net operating income to assets | 1.1597% | 1,569 |
| Return on assets (ROA) | 1.1597% | 1,548 |
| Pretax return on assets | 1.1597% | 2,208 |
| Return on Equity (ROE) | 13.2103% | 1,320 |
| Retained earnings to average equity (ytd only) | 8.2394% | 1,535 |
| Net charge-offs to loans | 0.0053% | 1,818 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 558.2000% | 234 |
| Efficiency ratio | 63.2376% | 2,882 |
| Assets per employee ($millions) | 7.9948% | 1,309 |
| Cash dividends to net income (ytd only)* | 37.6289% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,479 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.0031% | 3,972 |
| Net loans and leases to deposits | 45.4383% | 4,050 |
| Net loans and leases to core deposits | 47.0585% | 4,084 |
| Total domestic deposits to total assets | 92.4400% | 675 |
| Equity capital to assets | 7.1794% | 3,675 |
| Core capital (leverage) ratio | 9.9119% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6821% | 894 |
| Memoranda: | ||
| Average total assets | $468,411,333 | 1,822 |
| Average earning assets | $445,075,000 | 1,802 |
| Average equity | $41,119,333 | 1,950 |
| Average total loans | $188,451,000 | 2,314 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0919% | 3,000 |
| Cost of funding earning assets | 0.1662% | 3,275 |
| Net interest margin | 2.9257% | 2,748 |
| Noninterest income to average assets | 0.4758% | 2,272 |
| Noninterest expense to average assets | 2.0392% | 3,326 |
| Loan and lease loss provision to assets | 0.0323% | 1,786 |
| Net operating income to assets | 1.1862% | 1,278 |
| Return on assets (ROA) | 1.1862% | 1,277 |
| Pretax return on assets | 1.1862% | 1,850 |
| Return on Equity (ROE) | 12.3997% | 1,195 |
| Retained earnings to average equity (ytd only) | 7.2479% | 1,807 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5978% | 3,191 |
| Assets per employee ($millions) | 7.9365% | 1,408 |
| Cash dividends to net income (ytd only)* | 41.5473% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 1,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,539 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.2420% | 4,058 |
| Net loans and leases to deposits | 43.1385% | 4,111 |
| Net loans and leases to core deposits | 44.8769% | 4,124 |
| Total domestic deposits to total assets | 90.9675% | 1,053 |
| Equity capital to assets | 8.5862% | 3,093 |
| Core capital (leverage) ratio | 9.8318% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3144% | 1,003 |
| Memoranda: | ||
| Average total assets | $470,766,500 | 1,827 |
| Average earning assets | $447,620,000 | 1,801 |
| Average equity | $45,033,500 | 1,889 |
| Average total loans | $183,976,500 | 2,343 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 3,289 |
| Cost of funding earning assets | 0.1984% | 3,482 |
| Net interest margin | 3.0740% | 2,988 |
| Noninterest income to average assets | 0.2970% | 3,624 |
| Noninterest expense to average assets | 1.9682% | 3,774 |
| Loan and lease loss provision to assets | 0.0637% | 1,797 |
| Net operating income to assets | 1.2050% | 1,905 |
| Return on assets (ROA) | 1.2169% | 1,917 |
| Pretax return on assets | 1.2169% | 2,607 |
| Return on Equity (ROE) | 11.0596% | 2,145 |
| Retained earnings to average equity (ytd only) | 7.3121% | 1,802 |
| Net charge-offs to loans | 0.3577% | 236 |
| Credit loss provision to net charge-offs | 42.9864% | 2,183 |
| Earnings coverage of net charge-offs (x) | 8.5626% | 2,294 |
| Efficiency ratio | 60.8050% | 3,025 |
| Assets per employee ($millions) | 8.1600% | 1,244 |
| Cash dividends to net income (ytd only)* | 33.8843% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 1,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,640 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 37.8301% | 4,200 |
| Net loans and leases to deposits | 42.5003% | 4,250 |
| Net loans and leases to core deposits | 43.9732% | 4,266 |
| Total domestic deposits to total assets | 89.0114% | 1,510 |
| Equity capital to assets | 10.5354% | 2,139 |
| Core capital (leverage) ratio | 9.8876% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0215% | 891 |
| Memoranda: | ||
| Average total assets | $447,458,200 | 1,847 |
| Average earning assets | $427,949,200 | 1,809 |
| Average equity | $49,233,200 | 1,793 |
| Average total loans | $185,376,200 | 2,342 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3014% | 3,385 |
| Cost of funding earning assets | 0.1942% | 3,672 |
| Net interest margin | 3.1073% | 3,039 |
| Noninterest income to average assets | 0.2936% | 3,691 |
| Noninterest expense to average assets | 1.9848% | 3,728 |
| Loan and lease loss provision to assets | 0.0635% | 1,727 |
| Net operating income to assets | 1.2205% | 2,100 |
| Return on assets (ROA) | 1.2356% | 2,102 |
| Pretax return on assets | 1.2356% | 2,818 |
| Return on Equity (ROE) | 11.1036% | 2,344 |
| Retained earnings to average equity (ytd only) | 7.7619% | 2,131 |
| Net charge-offs to loans | 0.4694% | 163 |
| Credit loss provision to net charge-offs | 32.0122% | 1,948 |
| Earnings coverage of net charge-offs (x) | 6.4741% | 2,175 |
| Efficiency ratio | 60.7196% | 2,875 |
| Assets per employee ($millions) | 7.8721% | 1,325 |
| Cash dividends to net income (ytd only)* | 30.0954% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,705 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 41.8740% | 4,103 |
| Net loans and leases to deposits | 47.2246% | 4,157 |
| Net loans and leases to core deposits | 48.8063% | 4,202 |
| Total domestic deposits to total assets | 88.6698% | 1,475 |
| Equity capital to assets | 10.8194% | 2,152 |
| Core capital (leverage) ratio | 9.9165% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3283% | 1,076 |
| Memoranda: | ||
| Average total assets | $441,002,250 | 1,885 |
| Average earning assets | $422,270,000 | 1,848 |
| Average equity | $49,076,000 | 1,816 |
| Average total loans | $186,319,250 | 2,372 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2767% | 3,491 |
| Cost of funding earning assets | 0.1992% | 3,759 |
| Net interest margin | 3.0775% | 3,094 |
| Noninterest income to average assets | 0.3061% | 3,600 |
| Noninterest expense to average assets | 2.0287% | 3,608 |
| Loan and lease loss provision to assets | 0.0623% | 1,796 |
| Net operating income to assets | 1.1612% | 2,330 |
| Return on assets (ROA) | 1.1838% | 2,311 |
| Pretax return on assets | 1.1838% | 2,956 |
| Return on Equity (ROE) | 10.5332% | 2,574 |
| Retained earnings to average equity (ytd only) | 6.9180% | 2,458 |
| Net charge-offs to loans | 0.7157% | 113 |
| Credit loss provision to net charge-offs | 20.6422% | 1,730 |
| Earnings coverage of net charge-offs (x) | 4.0520% | 2,045 |
| Efficiency ratio | 62.3793% | 2,682 |
| Assets per employee ($millions) | 7.7221% | 1,348 |
| Cash dividends to net income (ytd only)* | 34.3214% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,787 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 43.2012% | 4,098 |
| Net loans and leases to deposits | 48.9765% | 4,163 |
| Net loans and leases to core deposits | 50.0980% | 4,231 |
| Total domestic deposits to total assets | 88.2082% | 1,715 |
| Equity capital to assets | 11.1893% | 1,839 |
| Core capital (leverage) ratio | 9.9859% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2551% | 1,072 |
| Memoranda: | ||
| Average total assets | $433,186,000 | 1,900 |
| Average earning assets | $414,680,667 | 1,861 |
| Average equity | $48,684,333 | 1,814 |
| Average total loans | $182,766,667 | 2,420 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2778% | 3,509 |
| Cost of funding earning assets | 0.2084% | 3,839 |
| Net interest margin | 3.0694% | 3,080 |
| Noninterest income to average assets | 0.2923% | 3,661 |
| Noninterest expense to average assets | 2.0368% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1897% | 2,187 |
| Return on assets (ROA) | 1.2176% | 2,163 |
| Pretax return on assets | 1.2176% | 2,800 |
| Return on Equity (ROE) | 10.8097% | 2,422 |
| Retained earnings to average equity (ytd only) | 7.5040% | 2,410 |
| Net charge-offs to loans | -0.0045% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1275% | 2,587 |
| Assets per employee ($millions) | 7.7318% | 1,325 |
| Cash dividends to net income (ytd only)* | 30.5810% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 1,185 |
| Loan loss allowance to noncurrent loans | 312.5399% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 3,087 |
| Noncurrent loans to loans | 0.5259% | 2,279 |
| Net loans and leases to total assets | 39.9348% | 4,349 |
| Net loans and leases to deposits | 45.0835% | 4,390 |
| Net loans and leases to core deposits | 46.1091% | 4,435 |
| Total domestic deposits to total assets | 88.5796% | 1,564 |
| Equity capital to assets | 10.7515% | 2,037 |
| Core capital (leverage) ratio | 10.2002% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2948% | 1,026 |
| Memoranda: | ||
| Average total assets | $429,698,500 | 1,900 |
| Average earning assets | $410,768,500 | 1,870 |
| Average equity | $48,401,000 | 1,805 |
| Average total loans | $177,862,500 | 2,449 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 4,024 |
| Cost of funding earning assets | 0.2854% | 4,218 |
| Net interest margin | 3.2206% | 3,302 |
| Noninterest income to average assets | 0.3584% | 3,320 |
| Noninterest expense to average assets | 2.0680% | 4,004 |
| Loan and lease loss provision to assets | 0.1698% | 2,260 |
| Net operating income to assets | 1.2008% | 1,556 |
| Return on assets (ROA) | 1.4063% | 1,088 |
| Pretax return on assets | 1.4063% | 1,636 |
| Return on Equity (ROE) | 12.4580% | 1,190 |
| Retained earnings to average equity (ytd only) | 7.6933% | 1,145 |
| Net charge-offs to loans | 0.1182% | 1,306 |
| Credit loss provision to net charge-offs | 334.9515% | 1,618 |
| Earnings coverage of net charge-offs (x) | 27.0291% | 1,694 |
| Efficiency ratio | 60.1403% | 3,435 |
| Assets per employee ($millions) | 7.3454% | 1,369 |
| Cash dividends to net income (ytd only)* | 38.2461% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 1,133 |
| Loan loss allowance to noncurrent loans | 312.3273% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 3,158 |
| Noncurrent loans to loans | 0.5323% | 2,386 |
| Net loans and leases to total assets | 41.5223% | 4,377 |
| Net loans and leases to deposits | 47.7240% | 4,400 |
| Net loans and leases to core deposits | 48.8008% | 4,464 |
| Total domestic deposits to total assets | 87.0051% | 1,946 |
| Equity capital to assets | 11.8034% | 1,678 |
| Core capital (leverage) ratio | 9.8830% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7622% | 935 |
| Memoranda: | ||
| Average total assets | $406,241,800 | 1,843 |
| Average earning assets | $388,532,200 | 1,800 |
| Average equity | $45,858,000 | 1,816 |
| Average total loans | $174,330,200 | 2,450 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5198% | 4,174 |
| Cost of funding earning assets | 0.2979% | 4,320 |
| Net interest margin | 3.2219% | 3,423 |
| Noninterest income to average assets | 0.3717% | 3,227 |
| Noninterest expense to average assets | 2.1700% | 3,749 |
| Loan and lease loss provision to assets | 0.1555% | 2,456 |
| Net operating income to assets | 1.1301% | 1,876 |
| Return on assets (ROA) | 1.4063% | 1,177 |
| Pretax return on assets | 1.4063% | 1,709 |
| Return on Equity (ROE) | 12.6072% | 1,220 |
| Retained earnings to average equity (ytd only) | 7.9670% | 1,313 |
| Net charge-offs to loans | 0.0591% | 1,766 |
| Credit loss provision to net charge-offs | 610.3896% | 1,156 |
| Earnings coverage of net charge-offs (x) | 50.4805% | 1,188 |
| Efficiency ratio | 62.7967% | 2,942 |
| Assets per employee ($millions) | 7.7697% | 1,091 |
| Cash dividends to net income (ytd only)* | 36.8062% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,196 |
| Loan loss allowance to noncurrent loans | 143.2378% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 2,389 |
| Noncurrent loans to loans | 1.0920% | 1,379 |
| Net loans and leases to total assets | 40.4852% | 4,550 |
| Net loans and leases to deposits | 45.7803% | 4,610 |
| Net loans and leases to core deposits | 46.3803% | 4,658 |
| Total domestic deposits to total assets | 88.4338% | 1,000 |
| Equity capital to assets | 10.8977% | 2,482 |
| Core capital (leverage) ratio | 9.6057% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7896% | 941 |
| Memoranda: | ||
| Average total assets | $403,130,750 | 1,831 |
| Average earning assets | $385,847,750 | 1,790 |
| Average equity | $44,967,750 | 1,837 |
| Average total loans | $173,716,000 | 2,454 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 4,226 |
| Cost of funding earning assets | 0.3211% | 4,394 |
| Net interest margin | 3.3013% | 3,386 |
| Noninterest income to average assets | 0.4263% | 2,929 |
| Noninterest expense to average assets | 2.2278% | 3,706 |
| Loan and lease loss provision to assets | 0.2257% | 1,856 |
| Net operating income to assets | 1.1270% | 1,884 |
| Return on assets (ROA) | 1.5538% | 913 |
| Pretax return on assets | 1.5538% | 1,333 |
| Return on Equity (ROE) | 13.8092% | 919 |
| Retained earnings to average equity (ytd only) | 8.9539% | 1,025 |
| Net charge-offs to loans | 0.0655% | 1,588 |
| Credit loss provision to net charge-offs | 785.7143% | 927 |
| Earnings coverage of net charge-offs (x) | 47.0893% | 1,149 |
| Efficiency ratio | 62.2206% | 3,090 |
| Assets per employee ($millions) | 7.3350% | 1,257 |
| Cash dividends to net income (ytd only)* | 35.1601% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,076 |
| Loan loss allowance to noncurrent loans | 80.7047% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 1,475 |
| Noncurrent loans to loans | 1.9469% | 706 |
| Net loans and leases to total assets | 42.5517% | 4,514 |
| Net loans and leases to deposits | 48.3720% | 4,584 |
| Net loans and leases to core deposits | 48.8362% | 4,646 |
| Total domestic deposits to total assets | 87.9675% | 1,193 |
| Equity capital to assets | 11.2420% | 2,154 |
| Core capital (leverage) ratio | 10.0416% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8719% | 925 |
| Memoranda: | ||
| Average total assets | $389,882,667 | 1,849 |
| Average earning assets | $372,523,333 | 1,811 |
| Average equity | $43,869,333 | 1,859 |
| Average total loans | $170,905,333 | 2,461 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 4,166 |
| Cost of funding earning assets | 0.3581% | 4,495 |
| Net interest margin | 3.4750% | 3,066 |
| Noninterest income to average assets | 0.3768% | 3,255 |
| Noninterest expense to average assets | 2.2950% | 3,783 |
| Loan and lease loss provision to assets | 0.2661% | 1,172 |
| Net operating income to assets | 1.1315% | 1,747 |
| Return on assets (ROA) | 1.7915% | 464 |
| Pretax return on assets | 1.7915% | 714 |
| Return on Equity (ROE) | 15.9138% | 433 |
| Retained earnings to average equity (ytd only) | 11.5169% | 478 |
| Net charge-offs to loans | 0.0145% | 2,086 |
| Credit loss provision to net charge-offs | 4,166.6667% | 197 |
| Earnings coverage of net charge-offs (x) | 218.8333% | 320 |
| Efficiency ratio | 62.1505% | 3,482 |
| Assets per employee ($millions) | 6.6683% | 1,252 |
| Cash dividends to net income (ytd only)* | 27.6292% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 1,076 |
| Loan loss allowance to noncurrent loans | 86.5385% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 1,644 |
| Noncurrent loans to loans | 1.8465% | 804 |
| Net loans and leases to total assets | 43.7435% | 4,519 |
| Net loans and leases to deposits | 49.9531% | 4,592 |
| Net loans and leases to core deposits | 50.4180% | 4,668 |
| Total domestic deposits to total assets | 87.5691% | 1,291 |
| Equity capital to assets | 11.5709% | 2,379 |
| Core capital (leverage) ratio | 10.5622% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2053% | 955 |
| Memoranda: | ||
| Average total assets | $375,777,000 | 1,869 |
| Average earning assets | $358,562,000 | 1,818 |
| Average equity | $42,303,000 | 1,905 |
| Average total loans | $165,985,000 | 2,479 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 4,111 |
| Cost of funding earning assets | 0.4179% | 4,382 |
| Net interest margin | 3.6491% | 2,969 |
| Noninterest income to average assets | 0.3501% | 3,610 |
| Noninterest expense to average assets | 2.2644% | 4,035 |
| Loan and lease loss provision to assets | 0.0575% | 2,881 |
| Net operating income to assets | 1.4983% | 1,061 |
| Return on assets (ROA) | 1.5010% | 1,114 |
| Pretax return on assets | 1.5010% | 1,808 |
| Return on Equity (ROE) | 14.6021% | 775 |
| Retained earnings to average equity (ytd only) | 8.9439% | 724 |
| Net charge-offs to loans | 0.1485% | 1,332 |
| Credit loss provision to net charge-offs | 82.0313% | 2,769 |
| Earnings coverage of net charge-offs (x) | 22.2031% | 1,860 |
| Efficiency ratio | 59.2749% | 3,802 |
| Assets per employee ($millions) | 6.4045% | 1,350 |
| Cash dividends to net income (ytd only)* | 38.7491% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,210 |
| Loan loss allowance to noncurrent loans | 247.5806% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 3,360 |
| Noncurrent loans to loans | 0.6086% | 2,362 |
| Net loans and leases to total assets | 43.2207% | 4,633 |
| Net loans and leases to deposits | 49.0560% | 4,712 |
| Net loans and leases to core deposits | 49.5823% | 4,763 |
| Total domestic deposits to total assets | 88.1048% | 1,084 |
| Equity capital to assets | 10.9368% | 3,064 |
| Core capital (leverage) ratio | 10.1226% | 3,389 |
| Tier 1 risk-based capital ratio | 17.8790% | 1,791 |
| Total risk-based capital ratio | 19.0295% | 1,771 |
| Memoranda: | ||
| Average total assets | $365,352,600 | 1,860 |
| Average earning assets | $347,431,000 | 1,824 |
| Average equity | $37,556,200 | 2,027 |
| Average total loans | $172,384,200 | 2,394 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 4,179 |
| Cost of funding earning assets | 0.4236% | 4,426 |
| Net interest margin | 3.6659% | 3,044 |
| Noninterest income to average assets | 0.3489% | 3,640 |
| Noninterest expense to average assets | 2.2864% | 3,987 |
| Loan and lease loss provision to assets | 0.0220% | 3,476 |
| Net operating income to assets | 1.5263% | 1,118 |
| Return on assets (ROA) | 1.5296% | 1,168 |
| Pretax return on assets | 1.5296% | 1,873 |
| Return on Equity (ROE) | 15.1274% | 751 |
| Retained earnings to average equity (ytd only) | 9.6911% | 832 |
| Net charge-offs to loans | 0.0031% | 3,308 |
| Credit loss provision to net charge-offs | 1,500.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 1,056.8837% | 86 |
| Efficiency ratio | 59.6235% | 3,706 |
| Assets per employee ($millions) | 6.5379% | 1,253 |
| Cash dividends to net income (ytd only)* | 35.9368% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 1,196 |
| Loan loss allowance to noncurrent loans | 101.8319% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 2,031 |
| Noncurrent loans to loans | 1.4940% | 1,014 |
| Net loans and leases to total assets | 43.6477% | 4,706 |
| Net loans and leases to deposits | 49.3725% | 4,794 |
| Net loans and leases to core deposits | 49.7938% | 4,841 |
| Total domestic deposits to total assets | 88.4048% | 868 |
| Equity capital to assets | 10.7136% | 3,370 |
| Core capital (leverage) ratio | 10.3553% | 3,245 |
| Tier 1 risk-based capital ratio | 17.2012% | 2,025 |
| Total risk-based capital ratio | 18.3747% | 1,995 |
| Memoranda: | ||
| Average total assets | $363,825,500 | 1,887 |
| Average earning assets | $345,953,000 | 1,844 |
| Average equity | $36,788,750 | 2,075 |
| Average total loans | $174,729,250 | 2,396 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 4,085 |
| Cost of funding earning assets | 0.4233% | 4,421 |
| Net interest margin | 3.7101% | 2,901 |
| Noninterest income to average assets | 0.3607% | 3,517 |
| Noninterest expense to average assets | 2.3568% | 3,857 |
| Loan and lease loss provision to assets | 0.0335% | 3,159 |
| Net operating income to assets | 1.4987% | 1,155 |
| Return on assets (ROA) | 1.5015% | 1,195 |
| Pretax return on assets | 1.5015% | 1,856 |
| Return on Equity (ROE) | 15.1677% | 726 |
| Retained earnings to average equity (ytd only) | 9.6762% | 855 |
| Net charge-offs to loans | 0.0011% | 3,143 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 2,748.0000% | 17 |
| Efficiency ratio | 60.6022% | 3,640 |
| Assets per employee ($millions) | 6.2376% | 1,376 |
| Cash dividends to net income (ytd only)* | 36.2050% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 1,450 |
| Loan loss allowance to noncurrent loans | 5,019.6078% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,724 |
| Noncurrent loans to loans | 0.0287% | 4,579 |
| Net loans and leases to total assets | 48.3349% | 4,556 |
| Net loans and leases to deposits | 54.8925% | 4,639 |
| Net loans and leases to core deposits | 55.4762% | 4,729 |
| Total domestic deposits to total assets | 88.0537% | 1,082 |
| Equity capital to assets | 10.5946% | 3,442 |
| Core capital (leverage) ratio | 10.1485% | 3,445 |
| Tier 1 risk-based capital ratio | 15.8261% | 2,488 |
| Total risk-based capital ratio | 16.9353% | 2,485 |
| Memoranda: | ||
| Average total assets | $358,700,670 | 1,905 |
| Average earning assets | $341,123,000 | 1,860 |
| Average equity | $35,509,670 | 2,117 |
| Average total loans | $176,949,330 | 2,379 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 4,078 |
| Cost of funding earning assets | 0.4100% | 4,444 |
| Net interest margin | 3.7078% | 2,863 |
| Noninterest income to average assets | 0.3438% | 3,562 |
| Noninterest expense to average assets | 2.3664% | 3,855 |
| Loan and lease loss provision to assets | 0.0672% | 2,327 |
| Net operating income to assets | 1.4346% | 1,280 |
| Return on assets (ROA) | 1.4358% | 1,306 |
| Pretax return on assets | 1.4358% | 1,972 |
| Return on Equity (ROE) | 15.0381% | 742 |
| Retained earnings to average equity (ytd only) | 8.2933% | 1,552 |
| Net charge-offs to loans | -0.0023% | 3,875 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1754% | 3,654 |
| Assets per employee ($millions) | 6.1532% | 1,435 |
| Cash dividends to net income (ytd only)* | 44.8518% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,741 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 49.5003% | 4,498 |
| Net loans and leases to deposits | 55.6032% | 4,617 |
| Net loans and leases to core deposits | 56.2404% | 4,704 |
| Total domestic deposits to total assets | 89.0242% | 846 |
| Equity capital to assets | 9.9287% | 3,892 |
| Core capital (leverage) ratio | 9.9047% | 3,709 |
| Tier 1 risk-based capital ratio | 15.1709% | 2,808 |
| Total risk-based capital ratio | 16.2657% | 2,802 |
| Memoranda: | ||
| Average total assets | $357,162,000 | 1,925 |
| Average earning assets | $339,500,000 | 1,885 |
| Average equity | $34,100,000 | 2,186 |
| Average total loans | $176,711,500 | 2,402 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 4,013 |
| Cost of funding earning assets | 0.3200% | 4,466 |
| Net interest margin | 3.6866% | 3,088 |
| Noninterest income to average assets | 0.3700% | 3,616 |
| Noninterest expense to average assets | 2.4165% | 3,839 |
| Loan and lease loss provision to assets | 0.0458% | 3,270 |
| Net operating income to assets | 1.4008% | 1,433 |
| Return on assets (ROA) | 1.4008% | 1,422 |
| Pretax return on assets | 1.4008% | 2,135 |
| Return on Equity (ROE) | 15.1430% | 796 |
| Retained earnings to average equity (ytd only) | 9.6688% | 689 |
| Net charge-offs to loans | 0.0382% | 2,631 |
| Credit loss provision to net charge-offs | 235.3846% | 1,257 |
| Earnings coverage of net charge-offs (x) | 74.2769% | 901 |
| Efficiency ratio | 62.5533% | 3,423 |
| Assets per employee ($millions) | 5.9573% | 1,556 |
| Cash dividends to net income (ytd only)* | 36.1497% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,500 |
| Loan loss allowance to noncurrent loans | 41,700.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,749 |
| Noncurrent loans to loans | 0.0034% | 4,808 |
| Net loans and leases to total assets | 48.0359% | 4,636 |
| Net loans and leases to deposits | 53.5063% | 4,772 |
| Net loans and leases to core deposits | 54.1120% | 4,843 |
| Total domestic deposits to total assets | 89.7762% | 550 |
| Equity capital to assets | 9.1669% | 4,430 |
| Core capital (leverage) ratio | 9.7757% | 3,834 |
| Tier 1 risk-based capital ratio | 14.9001% | 2,879 |
| Total risk-based capital ratio | 15.9712% | 2,885 |
| Memoranda: | ||
| Average total assets | $333,745,400 | 1,970 |
| Average earning assets | $316,226,600 | 1,944 |
| Average equity | $30,872,400 | 2,292 |
| Average total loans | $170,114,600 | 2,437 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 4,004 |
| Cost of funding earning assets | 0.3115% | 4,439 |
| Net interest margin | 3.6639% | 3,150 |
| Noninterest income to average assets | 0.3632% | 3,707 |
| Noninterest expense to average assets | 2.5298% | 3,501 |
| Loan and lease loss provision to assets | 0.0419% | 3,155 |
| Net operating income to assets | 1.2641% | 1,982 |
| Return on assets (ROA) | 1.2645% | 1,989 |
| Pretax return on assets | 1.2645% | 2,749 |
| Return on Equity (ROE) | 13.6361% | 1,222 |
| Retained earnings to average equity (ytd only) | 8.5045% | 1,417 |
| Net charge-offs to loans | 0.0410% | 2,264 |
| Credit loss provision to net charge-offs | 198.0769% | 1,395 |
| Earnings coverage of net charge-offs (x) | 61.7515% | 1,043 |
| Efficiency ratio | 65.9527% | 2,878 |
| Assets per employee ($millions) | 5.7899% | 1,652 |
| Cash dividends to net income (ytd only)* | 37.6327% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 4,725 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 50.6453% | 4,550 |
| Net loans and leases to deposits | 56.3446% | 4,734 |
| Net loans and leases to core deposits | 57.0705% | 4,821 |
| Total domestic deposits to total assets | 89.8849% | 545 |
| Equity capital to assets | 9.0187% | 4,530 |
| Core capital (leverage) ratio | 9.8655% | 3,777 |
| Tier 1 risk-based capital ratio | 14.2250% | 3,260 |
| Total risk-based capital ratio | 15.2633% | 3,274 |
| Memoranda: | ||
| Average total assets | $327,822,000 | 2,013 |
| Average earning assets | $310,698,500 | 1,975 |
| Average equity | $30,399,000 | 2,321 |
| Average total loans | $169,093,000 | 2,461 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 4,081 |
| Cost of funding earning assets | 0.3001% | 4,415 |
| Net interest margin | 3.6019% | 3,304 |
| Noninterest income to average assets | 0.3604% | 3,742 |
| Noninterest expense to average assets | 2.5729% | 3,406 |
| Loan and lease loss provision to assets | 0.0141% | 3,592 |
| Net operating income to assets | 1.1840% | 2,261 |
| Return on assets (ROA) | 1.1847% | 2,261 |
| Pretax return on assets | 1.1847% | 2,994 |
| Return on Equity (ROE) | 12.6558% | 1,492 |
| Retained earnings to average equity (ytd only) | 8.0561% | 1,608 |
| Net charge-offs to loans | -0.0036% | 4,038 |
| Credit loss provision to net charge-offs | -766.6667% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2270% | 2,609 |
| Assets per employee ($millions) | 5.7371% | 1,692 |
| Cash dividends to net income (ytd only)* | 36.3448% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,574 |
| Loan loss allowance to noncurrent loans | 1,225.6281% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 4,720 |
| Noncurrent loans to loans | 0.1180% | 4,377 |
| Net loans and leases to total assets | 49.9516% | 4,611 |
| Net loans and leases to deposits | 55.6597% | 4,771 |
| Net loans and leases to core deposits | 56.3255% | 4,851 |
| Total domestic deposits to total assets | 89.7447% | 648 |
| Equity capital to assets | 9.1843% | 4,397 |
| Core capital (leverage) ratio | 9.9369% | 3,653 |
| Tier 1 risk-based capital ratio | 14.5086% | 3,111 |
| Total risk-based capital ratio | 15.5794% | 3,114 |
| Memoranda: | ||
| Average total assets | $325,158,000 | 2,032 |
| Average earning assets | $307,896,000 | 2,002 |
| Average equity | $30,436,670 | 2,324 |
| Average total loans | $167,944,670 | 2,480 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 4,116 |
| Cost of funding earning assets | 0.2870% | 4,441 |
| Net interest margin | 3.5501% | 3,342 |
| Noninterest income to average assets | 0.3224% | 3,999 |
| Noninterest expense to average assets | 2.6002% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0792% | 2,528 |
| Return on assets (ROA) | 1.0804% | 2,536 |
| Pretax return on assets | 1.0804% | 3,245 |
| Return on Equity (ROE) | 11.4306% | 1,797 |
| Retained earnings to average equity (ytd only) | 6.8215% | 2,357 |
| Net charge-offs to loans | -0.0119% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6698% | 2,391 |
| Assets per employee ($millions) | 5.7254% | 1,743 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 1,646 |
| Loan loss allowance to noncurrent loans | 1,622.8188% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,879 |
| Noncurrent loans to loans | 0.0895% | 4,577 |
| Net loans and leases to total assets | 50.2882% | 4,538 |
| Net loans and leases to deposits | 57.1100% | 4,640 |
| Net loans and leases to core deposits | 62.9806% | 4,492 |
| Total domestic deposits to total assets | 88.0550% | 1,587 |
| Equity capital to assets | 9.2142% | 4,347 |
| Core capital (leverage) ratio | 10.1401% | 3,371 |
| Tier 1 risk-based capital ratio | 14.7234% | 3,018 |
| Total risk-based capital ratio | 15.8243% | 2,989 |
| Memoranda: | ||
| Average total assets | $321,360,000 | 2,069 |
| Average earning assets | $303,877,500 | 2,033 |
| Average equity | $30,374,500 | 2,342 |
| Average total loans | $167,589,500 | 2,500 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 4,114 |
| Cost of funding earning assets | 0.2346% | 4,690 |
| Net interest margin | 3.5439% | 3,361 |
| Noninterest income to average assets | 0.3564% | 3,917 |
| Noninterest expense to average assets | 2.5355% | 3,658 |
| Loan and lease loss provision to assets | 0.0943% | 2,317 |
| Net operating income to assets | 1.0722% | 1,970 |
| Return on assets (ROA) | 1.1381% | 1,756 |
| Pretax return on assets | 1.1381% | 3,027 |
| Return on Equity (ROE) | 11.6710% | 1,296 |
| Retained earnings to average equity (ytd only) | 6.0921% | 1,489 |
| Net charge-offs to loans | 0.0321% | 3,150 |
| Credit loss provision to net charge-offs | 572.5490% | 560 |
| Earnings coverage of net charge-offs (x) | 70.8431% | 847 |
| Efficiency ratio | 68.4894% | 2,797 |
| Assets per employee ($millions) | 5.5504% | 1,888 |
| Cash dividends to net income (ytd only)* | 47.8014% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 52.5433% | 4,482 |
| Net loans and leases to deposits | 59.8300% | 4,575 |
| Net loans and leases to core deposits | 64.0179% | 4,530 |
| Total domestic deposits to total assets | 87.8211% | 1,597 |
| Equity capital to assets | 9.6970% | 4,032 |
| Core capital (leverage) ratio | 10.0902% | 3,338 |
| Tier 1 risk-based capital ratio | 14.2979% | 3,200 |
| Total risk-based capital ratio | 15.3826% | 3,190 |
| Memoranda: | ||
| Average total assets | $309,725,600 | 2,119 |
| Average earning assets | $292,389,000 | 2,083 |
| Average equity | $30,203,000 | 2,343 |
| Average total loans | $158,664,600 | 2,563 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,170 |
| Cost of funding earning assets | 0.2293% | 4,747 |
| Net interest margin | 3.5235% | 3,410 |
| Noninterest income to average assets | 0.3268% | 4,197 |
| Noninterest expense to average assets | 2.5016% | 3,728 |
| Loan and lease loss provision to assets | 0.0827% | 2,435 |
| Net operating income to assets | 1.0746% | 2,206 |
| Return on assets (ROA) | 1.1621% | 1,881 |
| Pretax return on assets | 1.1621% | 3,054 |
| Return on Equity (ROE) | 11.8997% | 1,364 |
| Retained earnings to average equity (ytd only) | 6.6479% | 1,879 |
| Net charge-offs to loans | 0.0427% | 2,587 |
| Credit loss provision to net charge-offs | 382.0000% | 803 |
| Earnings coverage of net charge-offs (x) | 53.4759% | 1,073 |
| Efficiency ratio | 68.3700% | 2,807 |
| Assets per employee ($millions) | 5.5974% | 1,831 |
| Cash dividends to net income (ytd only)* | 44.1341% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,782 |
| Loan loss allowance to noncurrent loans | 6,805.8824% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 5,207 |
| Noncurrent loans to loans | 0.0210% | 5,033 |
| Net loans and leases to total assets | 50.9306% | 4,648 |
| Net loans and leases to deposits | 57.3870% | 4,797 |
| Net loans and leases to core deposits | 61.9269% | 4,713 |
| Total domestic deposits to total assets | 88.7493% | 992 |
| Equity capital to assets | 10.0467% | 3,860 |
| Core capital (leverage) ratio | 10.1610% | 3,362 |
| Tier 1 risk-based capital ratio | 14.6993% | 3,066 |
| Total risk-based capital ratio | 15.7798% | 3,080 |
| Memoranda: | ||
| Average total assets | $308,063,250 | 2,140 |
| Average earning assets | $291,331,750 | 2,103 |
| Average equity | $30,084,000 | 2,369 |
| Average total loans | $156,168,750 | 2,606 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 4,219 |
| Cost of funding earning assets | 0.2246% | 4,763 |
| Net interest margin | 3.4803% | 3,471 |
| Noninterest income to average assets | 0.2984% | 4,400 |
| Noninterest expense to average assets | 2.5259% | 3,673 |
| Loan and lease loss provision to assets | 0.1045% | 1,940 |
| Net operating income to assets | 0.9567% | 2,625 |
| Return on assets (ROA) | 1.0893% | 2,083 |
| Pretax return on assets | 1.0893% | 3,220 |
| Return on Equity (ROE) | 11.2647% | 1,546 |
| Retained earnings to average equity (ytd only) | 6.3685% | 1,924 |
| Net charge-offs to loans | 0.0635% | 2,020 |
| Credit loss provision to net charge-offs | 326.5306% | 904 |
| Earnings coverage of net charge-offs (x) | 33.1633% | 1,395 |
| Efficiency ratio | 70.4169% | 2,598 |
| Assets per employee ($millions) | 5.3863% | 1,981 |
| Cash dividends to net income (ytd only)* | 43.4652% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,807 |
| Loan loss allowance to noncurrent loans | 4,229.6296% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 5,220 |
| Noncurrent loans to loans | 0.0339% | 5,021 |
| Net loans and leases to total assets | 51.1911% | 4,633 |
| Net loans and leases to deposits | 58.7490% | 4,717 |
| Net loans and leases to core deposits | 64.5538% | 4,566 |
| Total domestic deposits to total assets | 87.1353% | 1,888 |
| Equity capital to assets | 10.1359% | 3,753 |
| Core capital (leverage) ratio | 10.1599% | 3,324 |
| Tier 1 risk-based capital ratio | 14.7517% | 3,036 |
| Total risk-based capital ratio | 15.8413% | 3,035 |
| Memoranda: | ||
| Average total assets | $306,265,670 | 2,155 |
| Average earning assets | $289,398,000 | 2,115 |
| Average equity | $29,614,670 | 2,399 |
| Average total loans | $154,238,670 | 2,636 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6548% | 4,258 |
| Cost of funding earning assets | 0.2242% | 4,763 |
| Net interest margin | 3.4306% | 3,523 |
| Noninterest income to average assets | 0.2092% | 5,013 |
| Noninterest expense to average assets | 2.5016% | 3,797 |
| Loan and lease loss provision to assets | 0.0654% | 2,494 |
| Net operating income to assets | 0.8840% | 2,839 |
| Return on assets (ROA) | 1.0945% | 1,936 |
| Pretax return on assets | 1.0945% | 3,009 |
| Return on Equity (ROE) | 11.5998% | 1,372 |
| Retained earnings to average equity (ytd only) | 6.4028% | 2,134 |
| Net charge-offs to loans | 0.1134% | 1,262 |
| Credit loss provision to net charge-offs | 116.2791% | 1,430 |
| Earnings coverage of net charge-offs (x) | 16.8837% | 1,624 |
| Efficiency ratio | 72.4896% | 2,490 |
| Assets per employee ($millions) | 5.5888% | 1,812 |
| Cash dividends to net income (ytd only)* | 44.8029% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 48.1890% | 4,807 |
| Net loans and leases to deposits | 53.9972% | 4,936 |
| Net loans and leases to core deposits | 60.7670% | 4,734 |
| Total domestic deposits to total assets | 89.2434% | 1,034 |
| Equity capital to assets | 9.3836% | 4,406 |
| Core capital (leverage) ratio | 10.1131% | 3,362 |
| Tier 1 risk-based capital ratio | 15.4775% | 2,763 |
| Total risk-based capital ratio | 16.5863% | 2,753 |
| Memoranda: | ||
| Average total assets | $305,889,500 | 2,166 |
| Average earning assets | $289,041,500 | 2,138 |
| Average equity | $28,862,500 | 2,453 |
| Average total loans | $151,633,000 | 2,679 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6566% | 4,350 |
| Cost of funding earning assets | 0.2192% | 4,838 |
| Net interest margin | 3.4374% | 3,677 |
| Noninterest income to average assets | 0.5114% | 3,166 |
| Noninterest expense to average assets | 2.5066% | 3,990 |
| Loan and lease loss provision to assets | 0.0281% | 3,798 |
| Net operating income to assets | 1.2383% | 1,383 |
| Return on assets (ROA) | 1.2390% | 1,468 |
| Pretax return on assets | 1.2390% | 2,518 |
| Return on Equity (ROE) | 12.3942% | 1,146 |
| Retained earnings to average equity (ytd only) | 7.0442% | 1,213 |
| Net charge-offs to loans | 0.0048% | 4,081 |
| Credit loss provision to net charge-offs | 1,214.2857% | 321 |
| Earnings coverage of net charge-offs (x) | 548.0000% | 152 |
| Efficiency ratio | 66.4363% | 3,521 |
| Assets per employee ($millions) | 5.3359% | 2,018 |
| Cash dividends to net income (ytd only)* | 43.1655% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,889 |
| Loan loss allowance to noncurrent loans | 4,346.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 5,326 |
| Noncurrent loans to loans | 0.0333% | 5,131 |
| Net loans and leases to total assets | 49.5618% | 4,797 |
| Net loans and leases to deposits | 56.7755% | 4,867 |
| Net loans and leases to core deposits | 59.7943% | 4,868 |
| Total domestic deposits to total assets | 87.2942% | 1,982 |
| Equity capital to assets | 9.4900% | 4,280 |
| Core capital (leverage) ratio | 9.9419% | 3,564 |
| Tier 1 risk-based capital ratio | 15.0048% | 2,961 |
| Total risk-based capital ratio | 16.0923% | 2,968 |
| Memoranda: | ||
| Average total assets | $302,914,800 | 2,150 |
| Average earning assets | $287,424,400 | 2,116 |
| Average equity | $30,280,400 | 2,330 |
| Average total loans | $146,488,600 | 2,686 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 4,505 |
| Cost of funding earning assets | 0.2184% | 4,893 |
| Net interest margin | 3.3967% | 3,848 |
| Noninterest income to average assets | 0.5330% | 3,029 |
| Noninterest expense to average assets | 2.4702% | 4,071 |
| Loan and lease loss provision to assets | 0.0307% | 3,621 |
| Net operating income to assets | 1.2594% | 1,418 |
| Return on assets (ROA) | 1.2603% | 1,520 |
| Pretax return on assets | 1.2603% | 2,574 |
| Return on Equity (ROE) | 12.4526% | 1,185 |
| Retained earnings to average equity (ytd only) | 7.4681% | 1,421 |
| Net charge-offs to loans | 0.0037% | 3,797 |
| Credit loss provision to net charge-offs | 1,750.0000% | 266 |
| Earnings coverage of net charge-offs (x) | 735.6923% | 123 |
| Efficiency ratio | 65.6906% | 3,644 |
| Assets per employee ($millions) | 5.3945% | 1,960 |
| Cash dividends to net income (ytd only)* | 40.0280% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,981 |
| Loan loss allowance to noncurrent loans | 2,735.4430% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,404 |
| Noncurrent loans to loans | 0.0530% | 5,143 |
| Net loans and leases to total assets | 46.9374% | 5,027 |
| Net loans and leases to deposits | 54.9423% | 5,056 |
| Net loans and leases to core deposits | 59.4850% | 4,962 |
| Total domestic deposits to total assets | 85.4303% | 2,630 |
| Equity capital to assets | 10.2572% | 3,848 |
| Core capital (leverage) ratio | 9.7263% | 3,907 |
| Tier 1 risk-based capital ratio | 14.4977% | 3,286 |
| Total risk-based capital ratio | 15.5572% | 3,322 |
| Memoranda: | ||
| Average total assets | $303,941,250 | 2,153 |
| Average earning assets | $288,785,000 | 2,117 |
| Average equity | $30,761,250 | 2,313 |
| Average total loans | $145,543,750 | 2,702 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6069% | 4,568 |
| Cost of funding earning assets | 0.2174% | 4,968 |
| Net interest margin | 3.3896% | 3,936 |
| Noninterest income to average assets | 0.5921% | 2,659 |
| Noninterest expense to average assets | 2.5286% | 3,956 |
| Loan and lease loss provision to assets | 0.0133% | 3,839 |
| Net operating income to assets | 1.2733% | 1,351 |
| Return on assets (ROA) | 1.2746% | 1,465 |
| Pretax return on assets | 1.2746% | 2,505 |
| Return on Equity (ROE) | 12.6528% | 1,118 |
| Retained earnings to average equity (ytd only) | 7.8041% | 1,241 |
| Net charge-offs to loans | 0.0028% | 3,609 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 968.0000% | 49 |
| Efficiency ratio | 66.2777% | 3,639 |
| Assets per employee ($millions) | 5.3131% | 1,969 |
| Cash dividends to net income (ytd only)* | 38.3212% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 2,059 |
| Loan loss allowance to noncurrent loans | 2,642.5000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,487 |
| Noncurrent loans to loans | 0.0549% | 5,239 |
| Net loans and leases to total assets | 47.3884% | 5,042 |
| Net loans and leases to deposits | 54.3589% | 5,115 |
| Net loans and leases to core deposits | 59.0044% | 5,024 |
| Total domestic deposits to total assets | 87.1770% | 1,825 |
| Equity capital to assets | 10.5024% | 3,630 |
| Core capital (leverage) ratio | 9.6800% | 3,961 |
| Tier 1 risk-based capital ratio | 14.6753% | 3,215 |
| Total risk-based capital ratio | 15.7439% | 3,252 |
| Memoranda: | ||
| Average total assets | $300,960,670 | 2,177 |
| Average earning assets | $286,173,000 | 2,138 |
| Average equity | $30,317,330 | 2,345 |
| Average total loans | $144,385,000 | 2,717 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 4,702 |
| Cost of funding earning assets | 0.2214% | 4,983 |
| Net interest margin | 3.3492% | 4,044 |
| Noninterest income to average assets | 0.7013% | 2,038 |
| Noninterest expense to average assets | 2.6078% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2799% | 1,308 |
| Return on assets (ROA) | 1.2799% | 1,399 |
| Pretax return on assets | 1.2799% | 2,384 |
| Return on Equity (ROE) | 12.9848% | 1,043 |
| Retained earnings to average equity (ytd only) | 7.7774% | 1,552 |
| Net charge-offs to loans | 0.0028% | 3,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 960.0000% | 46 |
| Efficiency ratio | 67.0782% | 3,620 |
| Assets per employee ($millions) | 5.3394% | 1,993 |
| Cash dividends to net income (ytd only)* | 40.1042% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 2,127 |
| Loan loss allowance to noncurrent loans | 292.0502% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 4,614 |
| Noncurrent loans to loans | 0.5025% | 3,671 |
| Net loans and leases to total assets | 46.1920% | 5,101 |
| Net loans and leases to deposits | 52.7178% | 5,182 |
| Net loans and leases to core deposits | 56.6018% | 5,107 |
| Total domestic deposits to total assets | 87.6212% | 1,849 |
| Equity capital to assets | 9.9164% | 4,191 |
| Core capital (leverage) ratio | 9.7265% | 3,877 |
| Tier 1 risk-based capital ratio | 15.1911% | 3,069 |
| Total risk-based capital ratio | 16.3103% | 3,066 |
| Memoranda: | ||
| Average total assets | $300,018,000 | 2,188 |
| Average earning assets | $285,443,500 | 2,150 |
| Average equity | $29,573,000 | 2,396 |
| Average total loans | $143,763,500 | 2,729 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 4,710 |
| Cost of funding earning assets | 0.2438% | 4,847 |
| Net interest margin | 3.3414% | 4,145 |
| Noninterest income to average assets | 0.5005% | 3,328 |
| Noninterest expense to average assets | 2.6361% | 3,794 |
| Loan and lease loss provision to assets | 0.0647% | 2,995 |
| Net operating income to assets | 0.9795% | 2,469 |
| Return on assets (ROA) | 1.0363% | 2,271 |
| Pretax return on assets | 1.0363% | 3,321 |
| Return on Equity (ROE) | 10.7890% | 1,689 |
| Retained earnings to average equity (ytd only) | 5.6243% | 2,001 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6278% | 2,963 |
| Assets per employee ($millions) | 5.0982% | 2,248 |
| Cash dividends to net income (ytd only)* | 47.8706% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 2,229 |
| Loan loss allowance to noncurrent loans | 325.3106% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,727 |
| Noncurrent loans to loans | 0.4446% | 3,877 |
| Net loans and leases to total assets | 48.2785% | 4,991 |
| Net loans and leases to deposits | 55.0913% | 5,106 |
| Net loans and leases to core deposits | 58.4168% | 5,083 |
| Total domestic deposits to total assets | 87.6335% | 1,827 |
| Equity capital to assets | 9.7960% | 4,193 |
| Core capital (leverage) ratio | 9.5121% | 4,156 |
| Tier 1 risk-based capital ratio | 15.2105% | 3,075 |
| Total risk-based capital ratio | 16.3549% | 3,062 |
| Memoranda: | ||
| Average total assets | $292,288,200 | 2,195 |
| Average earning assets | $278,145,600 | 2,151 |
| Average equity | $28,074,800 | 2,450 |
| Average total loans | $137,431,200 | 2,759 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 4,858 |
| Cost of funding earning assets | 0.2491% | 4,890 |
| Net interest margin | 3.3046% | 4,321 |
| Noninterest income to average assets | 0.5092% | 3,305 |
| Noninterest expense to average assets | 2.6182% | 3,807 |
| Loan and lease loss provision to assets | 0.0769% | 2,653 |
| Net operating income to assets | 0.9580% | 2,682 |
| Return on assets (ROA) | 1.0330% | 2,404 |
| Pretax return on assets | 1.0330% | 3,491 |
| Return on Equity (ROE) | 10.8092% | 1,780 |
| Retained earnings to average equity (ytd only) | 5.7828% | 2,376 |
| Net charge-offs to loans | -0.0049% | 4,825 |
| Credit loss provision to net charge-offs | -3,360.0000% | 5,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6719% | 2,934 |
| Assets per employee ($millions) | 5.1051% | 2,169 |
| Cash dividends to net income (ytd only)* | 46.5015% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 2,378 |
| Loan loss allowance to noncurrent loans | 318.7117% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 4,888 |
| Noncurrent loans to loans | 0.4542% | 3,992 |
| Net loans and leases to total assets | 47.7795% | 5,099 |
| Net loans and leases to deposits | 54.4351% | 5,224 |
| Net loans and leases to core deposits | 57.8311% | 5,197 |
| Total domestic deposits to total assets | 87.7733% | 1,669 |
| Equity capital to assets | 9.6630% | 4,558 |
| Core capital (leverage) ratio | 9.3045% | 4,579 |
| Tier 1 risk-based capital ratio | 13.6926% | 4,028 |
| Total risk-based capital ratio | 14.7281% | 4,081 |
| Memoranda: | ||
| Average total assets | $291,437,000 | 2,214 |
| Average earning assets | $277,267,000 | 2,170 |
| Average equity | $27,852,000 | 2,479 |
| Average total loans | $135,576,250 | 2,807 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5161% | 4,943 |
| Cost of funding earning assets | 0.2564% | 4,877 |
| Net interest margin | 3.2596% | 4,454 |
| Noninterest income to average assets | 0.5195% | 3,227 |
| Noninterest expense to average assets | 2.6569% | 3,729 |
| Loan and lease loss provision to assets | 0.1021% | 2,132 |
| Net operating income to assets | 0.8562% | 3,101 |
| Return on assets (ROA) | 0.9694% | 2,650 |
| Pretax return on assets | 0.9694% | 3,700 |
| Return on Equity (ROE) | 10.1817% | 1,990 |
| Retained earnings to average equity (ytd only) | 6.1960% | 2,119 |
| Net charge-offs to loans | -0.0211% | 5,191 |
| Credit loss provision to net charge-offs | -1,057.1429% | 5,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4924% | 2,752 |
| Assets per employee ($millions) | 5.0501% | 2,212 |
| Cash dividends to net income (ytd only)* | 39.1459% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 2,493 |
| Loan loss allowance to noncurrent loans | 311.9155% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 4,966 |
| Noncurrent loans to loans | 0.4660% | 4,085 |
| Net loans and leases to total assets | 47.8640% | 5,120 |
| Net loans and leases to deposits | 55.7098% | 5,136 |
| Net loans and leases to core deposits | 57.9917% | 5,194 |
| Total domestic deposits to total assets | 85.9166% | 2,733 |
| Equity capital to assets | 9.3918% | 4,791 |
| Core capital (leverage) ratio | 9.3914% | 4,433 |
| Tier 1 risk-based capital ratio | 15.4264% | 3,146 |
| Total risk-based capital ratio | 16.6032% | 3,116 |
| Memoranda: | ||
| Average total assets | $289,883,330 | 2,234 |
| Average earning assets | $275,305,670 | 2,195 |
| Average equity | $27,598,670 | 2,505 |
| Average total loans | $132,917,670 | 2,856 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4383% | 5,122 |
| Cost of funding earning assets | 0.2628% | 4,871 |
| Net interest margin | 3.1755% | 4,691 |
| Noninterest income to average assets | 0.4730% | 3,485 |
| Noninterest expense to average assets | 2.6854% | 3,642 |
| Loan and lease loss provision to assets | 0.0555% | 2,824 |
| Net operating income to assets | 0.7490% | 3,540 |
| Return on assets (ROA) | 0.7490% | 3,678 |
| Pretax return on assets | 0.7490% | 4,433 |
| Return on Equity (ROE) | 7.8138% | 3,060 |
| Retained earnings to average equity (ytd only) | 4.1963% | 3,487 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9475% | 2,351 |
| Assets per employee ($millions) | 5.0911% | 2,240 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 2,439 |
| Loan loss allowance to noncurrent loans | 294.4024% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 5,024 |
| Noncurrent loans to loans | 0.5098% | 4,050 |
| Net loans and leases to total assets | 44.0069% | 5,347 |
| Net loans and leases to deposits | 50.2714% | 5,440 |
| Net loans and leases to core deposits | 51.7909% | 5,505 |
| Total domestic deposits to total assets | 87.5386% | 2,083 |
| Equity capital to assets | 9.6977% | 4,513 |
| Core capital (leverage) ratio | 9.2832% | 4,602 |
| Tier 1 risk-based capital ratio | 16.1038% | 2,872 |
| Total risk-based capital ratio | 17.2837% | 2,841 |
| Memoranda: | ||
| Average total assets | $288,372,500 | 2,260 |
| Average earning assets | $273,972,500 | 2,216 |
| Average equity | $27,643,500 | 2,527 |
| Average total loans | $128,244,500 | 2,943 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 5,241 |
| Cost of funding earning assets | 0.3016% | 4,777 |
| Net interest margin | 3.2338% | 4,820 |
| Noninterest income to average assets | 0.4493% | 3,831 |
| Noninterest expense to average assets | 2.6629% | 3,996 |
| Loan and lease loss provision to assets | 0.0076% | 4,477 |
| Net operating income to assets | 0.8457% | 3,134 |
| Return on assets (ROA) | 0.8700% | 3,115 |
| Pretax return on assets | 0.8700% | 3,997 |
| Return on Equity (ROE) | 9.2915% | 2,444 |
| Retained earnings to average equity (ytd only) | 4.7830% | 2,774 |
| Net charge-offs to loans | -0.1418% | 6,196 |
| Credit loss provision to net charge-offs | -12.4260% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7311% | 2,553 |
| Assets per employee ($millions) | 5.0272% | 2,285 |
| Cash dividends to net income (ytd only)* | 48.5227% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 2,458 |
| Loan loss allowance to noncurrent loans | 287.0482% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 5,097 |
| Noncurrent loans to loans | 0.5235% | 4,102 |
| Net loans and leases to total assets | 43.5984% | 5,491 |
| Net loans and leases to deposits | 49.7707% | 5,586 |
| Net loans and leases to core deposits | 51.7077% | 5,632 |
| Total domestic deposits to total assets | 87.5984% | 1,981 |
| Equity capital to assets | 9.4730% | 4,748 |
| Core capital (leverage) ratio | 9.3717% | 4,440 |
| Tier 1 risk-based capital ratio | 17.4937% | 2,318 |
| Total risk-based capital ratio | 18.7443% | 2,285 |
| Memoranda: | ||
| Average total assets | $276,206,800 | 2,310 |
| Average earning assets | $261,952,200 | 2,258 |
| Average equity | $25,862,400 | 2,583 |
| Average total loans | $119,163,200 | 3,062 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 5,308 |
| Cost of funding earning assets | 0.3093% | 4,790 |
| Net interest margin | 3.2252% | 4,877 |
| Noninterest income to average assets | 0.4532% | 3,875 |
| Noninterest expense to average assets | 2.6328% | 4,090 |
| Loan and lease loss provision to assets | 0.0097% | 4,227 |
| Net operating income to assets | 0.8693% | 3,076 |
| Return on assets (ROA) | 0.9020% | 2,999 |
| Pretax return on assets | 0.9020% | 3,974 |
| Return on Equity (ROE) | 9.6624% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.0113% | 3,073 |
| Net charge-offs to loans | -0.1945% | 6,304 |
| Credit loss provision to net charge-offs | -11.6959% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9688% | 2,666 |
| Assets per employee ($millions) | 5.0411% | 2,195 |
| Cash dividends to net income (ytd only)* | 48.1361% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 2,697 |
| Loan loss allowance to noncurrent loans | 285.9070% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 5,267 |
| Noncurrent loans to loans | 0.5253% | 4,359 |
| Net loans and leases to total assets | 44.3068% | 5,501 |
| Net loans and leases to deposits | 50.5392% | 5,615 |
| Net loans and leases to core deposits | 53.0337% | 5,625 |
| Total domestic deposits to total assets | 87.6682% | 1,942 |
| Equity capital to assets | 9.4162% | 4,899 |
| Core capital (leverage) ratio | 9.3697% | 4,544 |
| Tier 1 risk-based capital ratio | 17.3944% | 2,430 |
| Total risk-based capital ratio | 18.6445% | 2,396 |
| Memoranda: | ||
| Average total assets | $273,620,500 | 2,348 |
| Average earning assets | $259,494,750 | 2,296 |
| Average equity | $25,541,750 | 2,622 |
| Average total loans | $117,244,500 | 3,115 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 5,393 |
| Cost of funding earning assets | 0.3172% | 4,794 |
| Net interest margin | 3.1930% | 4,970 |
| Noninterest income to average assets | 0.4373% | 3,971 |
| Noninterest expense to average assets | 2.6625% | 4,008 |
| Loan and lease loss provision to assets | 0.0148% | 3,966 |
| Net operating income to assets | 0.7868% | 3,397 |
| Return on assets (ROA) | 0.8237% | 3,312 |
| Pretax return on assets | 0.8237% | 4,182 |
| Return on Equity (ROE) | 8.8510% | 2,665 |
| Retained earnings to average equity (ytd only) | 4.1596% | 3,524 |
| Net charge-offs to loans | -0.3018% | 6,433 |
| Credit loss provision to net charge-offs | -11.6279% | 5,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8607% | 2,478 |
| Assets per employee ($millions) | 4.6632% | 2,679 |
| Cash dividends to net income (ytd only)* | 53.0045% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 2,406 |
| Loan loss allowance to noncurrent loans | 284.7761% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 5,352 |
| Noncurrent loans to loans | 0.5674% | 4,316 |
| Net loans and leases to total assets | 42.9555% | 5,609 |
| Net loans and leases to deposits | 49.2393% | 5,690 |
| Net loans and leases to core deposits | 50.4880% | 5,767 |
| Total domestic deposits to total assets | 87.2384% | 2,331 |
| Equity capital to assets | 9.6222% | 4,596 |
| Core capital (leverage) ratio | 9.4342% | 4,426 |
| Tier 1 risk-based capital ratio | 18.1784% | 2,176 |
| Total risk-based capital ratio | 19.4296% | 2,146 |
| Memoranda: | ||
| Average total assets | $270,726,670 | 2,369 |
| Average earning assets | $256,620,670 | 2,308 |
| Average equity | $25,195,000 | 2,638 |
| Average total loans | $113,997,330 | 3,175 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 5,332 |
| Cost of funding earning assets | 0.3196% | 4,861 |
| Net interest margin | 3.2178% | 4,872 |
| Noninterest income to average assets | 0.4357% | 3,903 |
| Noninterest expense to average assets | 2.6966% | 3,940 |
| Loan and lease loss provision to assets | 0.0295% | 3,435 |
| Net operating income to assets | 0.7576% | 3,366 |
| Return on assets (ROA) | 0.8314% | 3,068 |
| Pretax return on assets | 0.8314% | 3,971 |
| Return on Equity (ROE) | 9.0880% | 2,420 |
| Retained earnings to average equity (ytd only) | 2.7764% | 4,425 |
| Net charge-offs to loans | -0.6789% | 6,589 |
| Credit loss provision to net charge-offs | -10.5263% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4057% | 2,573 |
| Assets per employee ($millions) | 4.7685% | 2,565 |
| Cash dividends to net income (ytd only)* | 69.4494% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 2,222 |
| Loan loss allowance to noncurrent loans | 386.1723% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 5,674 |
| Noncurrent loans to loans | 0.4505% | 4,800 |
| Net loans and leases to total assets | 40.0444% | 5,804 |
| Net loans and leases to deposits | 45.7939% | 5,866 |
| Net loans and leases to core deposits | 46.8947% | 5,938 |
| Total domestic deposits to total assets | 87.4447% | 2,535 |
| Equity capital to assets | 9.2364% | 4,833 |
| Core capital (leverage) ratio | 9.4427% | 4,357 |
| Tier 1 risk-based capital ratio | 18.9198% | 1,986 |
| Total risk-based capital ratio | 20.1719% | 1,951 |
| Memoranda: | ||
| Average total assets | $270,856,000 | 2,371 |
| Average earning assets | $256,570,000 | 2,308 |
| Average equity | $24,780,000 | 2,666 |
| Average total loans | $111,951,500 | 3,221 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 5,777 |
| Cost of funding earning assets | 0.3950% | 4,701 |
| Net interest margin | 3.0352% | 5,495 |
| Noninterest income to average assets | 0.5784% | 3,220 |
| Noninterest expense to average assets | 2.6164% | 4,402 |
| Loan and lease loss provision to assets | 0.0922% | 3,268 |
| Net operating income to assets | 0.7470% | 3,566 |
| Return on assets (ROA) | 0.8540% | 3,090 |
| Pretax return on assets | 0.8540% | 3,945 |
| Return on Equity (ROE) | 8.6168% | 2,734 |
| Retained earnings to average equity (ytd only) | 3.1564% | 3,991 |
| Net charge-offs to loans | 0.0980% | 3,862 |
| Credit loss provision to net charge-offs | 252.5253% | 898 |
| Earnings coverage of net charge-offs (x) | 22.9798% | 1,431 |
| Efficiency ratio | 75.7152% | 2,824 |
| Assets per employee ($millions) | 4.8198% | 2,421 |
| Cash dividends to net income (ytd only)* | 63.3693% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 3,113 |
| Loan loss allowance to noncurrent loans | 66.0508% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9626% | 3,493 |
| Noncurrent loans to loans | 2.2964% | 1,681 |
| Net loans and leases to total assets | 41.2799% | 5,871 |
| Net loans and leases to deposits | 47.4733% | 5,927 |
| Net loans and leases to core deposits | 48.5471% | 6,004 |
| Total domestic deposits to total assets | 86.9540% | 2,748 |
| Equity capital to assets | 9.0606% | 4,960 |
| Core capital (leverage) ratio | 9.1622% | 4,766 |
| Tier 1 risk-based capital ratio | 17.7010% | 2,342 |
| Total risk-based capital ratio | 18.9145% | 2,330 |
| Memoranda: | ||
| Average total assets | $271,092,800 | 2,335 |
| Average earning assets | $256,988,400 | 2,270 |
| Average equity | $26,866,200 | 2,472 |
| Average total loans | $101,042,400 | 3,426 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3833% | 5,918 |
| Cost of funding earning assets | 0.4105% | 4,723 |
| Net interest margin | 2.9728% | 5,659 |
| Noninterest income to average assets | 0.6077% | 3,099 |
| Noninterest expense to average assets | 2.5478% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8774% | 2,952 |
| Return on assets (ROA) | 0.9231% | 2,834 |
| Pretax return on assets | 0.9231% | 3,786 |
| Return on Equity (ROE) | 9.1204% | 2,579 |
| Retained earnings to average equity (ytd only) | 3.5773% | 4,149 |
| Net charge-offs to loans | -0.0435% | 6,271 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3832% | 2,999 |
| Assets per employee ($millions) | 4.8265% | 2,396 |
| Cash dividends to net income (ytd only)* | 60.7771% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 3,160 |
| Loan loss allowance to noncurrent loans | 231.7852% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 5,674 |
| Noncurrent loans to loans | 0.6757% | 4,512 |
| Net loans and leases to total assets | 37.1347% | 6,212 |
| Net loans and leases to deposits | 42.0234% | 6,303 |
| Net loans and leases to core deposits | 42.9622% | 6,352 |
| Total domestic deposits to total assets | 88.3668% | 1,908 |
| Equity capital to assets | 9.1381% | 5,008 |
| Core capital (leverage) ratio | 9.1064% | 4,962 |
| Tier 1 risk-based capital ratio | 18.8783% | 2,029 |
| Total risk-based capital ratio | 20.0880% | 2,000 |
| Memoranda: | ||
| Average total assets | $271,389,500 | 2,348 |
| Average earning assets | $257,216,500 | 2,272 |
| Average equity | $27,469,000 | 2,443 |
| Average total loans | $98,019,750 | 3,523 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3634% | 5,984 |
| Cost of funding earning assets | 0.4259% | 4,696 |
| Net interest margin | 2.9376% | 5,711 |
| Noninterest income to average assets | 0.4394% | 4,254 |
| Noninterest expense to average assets | 2.5118% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7095% | 3,759 |
| Return on assets (ROA) | 0.7551% | 3,688 |
| Pretax return on assets | 0.7551% | 4,490 |
| Return on Equity (ROE) | 7.2273% | 3,480 |
| Retained earnings to average equity (ytd only) | 4.7266% | 3,244 |
| Net charge-offs to loans | -0.0227% | 6,008 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9758% | 2,457 |
| Assets per employee ($millions) | 4.8833% | 2,254 |
| Cash dividends to net income (ytd only)* | 34.6004% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 2,865 |
| Loan loss allowance to noncurrent loans | 242.3077% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 5,775 |
| Noncurrent loans to loans | 0.6925% | 4,551 |
| Net loans and leases to total assets | 33.7497% | 6,427 |
| Net loans and leases to deposits | 38.2512% | 6,475 |
| Net loans and leases to core deposits | 39.1631% | 6,501 |
| Total domestic deposits to total assets | 88.2318% | 2,091 |
| Equity capital to assets | 9.2037% | 4,987 |
| Core capital (leverage) ratio | 9.2760% | 4,585 |
| Tier 1 risk-based capital ratio | 19.9929% | 1,721 |
| Total risk-based capital ratio | 21.2389% | 1,691 |
| Memoranda: | ||
| Average total assets | $271,757,330 | 2,351 |
| Average earning assets | $257,356,000 | 2,288 |
| Average equity | $28,392,330 | 2,398 |
| Average total loans | $96,704,000 | 3,571 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4046% | 5,931 |
| Cost of funding earning assets | 0.4453% | 4,640 |
| Net interest margin | 2.9593% | 5,679 |
| Noninterest income to average assets | 0.4592% | 4,059 |
| Noninterest expense to average assets | 2.4333% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8224% | 3,039 |
| Return on assets (ROA) | 0.8224% | 3,181 |
| Pretax return on assets | 0.8224% | 4,073 |
| Return on Equity (ROE) | 7.4257% | 3,253 |
| Retained earnings to average equity (ytd only) | 5.0260% | 3,212 |
| Net charge-offs to loans | 0.1712% | 2,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.2619% | 1,540 |
| Efficiency ratio | 74.7392% | 3,134 |
| Assets per employee ($millions) | 4.8445% | 2,418 |
| Cash dividends to net income (ytd only)* | 32.3160% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 3,682 |
| Loan loss allowance to noncurrent loans | 441.1594% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 5,350 |
| Noncurrent loans to loans | 0.3476% | 5,531 |
| Net loans and leases to total assets | 36.0218% | 6,292 |
| Net loans and leases to deposits | 41.7544% | 6,333 |
| Net loans and leases to core deposits | 42.9702% | 6,365 |
| Total domestic deposits to total assets | 86.2706% | 3,373 |
| Equity capital to assets | 10.9571% | 3,005 |
| Core capital (leverage) ratio | 9.3678% | 4,290 |
| Tier 1 risk-based capital ratio | 19.1349% | 2,003 |
| Total risk-based capital ratio | 20.3207% | 2,004 |
| Memoranda: | ||
| Average total assets | $270,903,000 | 2,381 |
| Average earning assets | $256,004,000 | 2,319 |
| Average equity | $30,004,000 | 2,290 |
| Average total loans | $98,121,500 | 3,559 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 5,949 |
| Cost of funding earning assets | 0.5865% | 4,476 |
| Net interest margin | 3.1620% | 5,663 |
| Noninterest income to average assets | 0.4377% | 4,336 |
| Noninterest expense to average assets | 2.7207% | 4,331 |
| Loan and lease loss provision to assets | 0.0223% | 5,616 |
| Net operating income to assets | 0.6601% | 3,935 |
| Return on assets (ROA) | 0.7955% | 3,551 |
| Pretax return on assets | 0.7955% | 4,310 |
| Return on Equity (ROE) | 7.4493% | 3,368 |
| Retained earnings to average equity (ytd only) | 4.7015% | 2,911 |
| Net charge-offs to loans | 0.5622% | 2,048 |
| Credit loss provision to net charge-offs | 10.7143% | 5,389 |
| Earnings coverage of net charge-offs (x) | 3.2768% | 3,790 |
| Efficiency ratio | 79.9475% | 2,155 |
| Assets per employee ($millions) | 4.8306% | 2,448 |
| Cash dividends to net income (ytd only)* | 36.8864% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 3,248 |
| Loan loss allowance to noncurrent loans | 384.5209% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 5,380 |
| Noncurrent loans to loans | 0.4196% | 5,439 |
| Net loans and leases to total assets | 35.2779% | 6,480 |
| Net loans and leases to deposits | 41.0976% | 6,496 |
| Net loans and leases to core deposits | 42.3705% | 6,532 |
| Total domestic deposits to total assets | 85.8394% | 3,433 |
| Equity capital to assets | 11.1943% | 2,740 |
| Core capital (leverage) ratio | 9.1899% | 4,597 |
| Tier 1 risk-based capital ratio | 19.1431% | 1,920 |
| Total risk-based capital ratio | 20.3795% | 1,898 |
| Memoranda: | ||
| Average total assets | $268,902,600 | 2,350 |
| Average earning assets | $252,180,000 | 2,298 |
| Average equity | $28,714,000 | 2,339 |
| Average total loans | $99,610,000 | 3,534 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 6,069 |
| Cost of funding earning assets | 0.6150% | 4,497 |
| Net interest margin | 3.1649% | 5,786 |
| Noninterest income to average assets | 0.4102% | 4,553 |
| Noninterest expense to average assets | 2.6363% | 4,617 |
| Loan and lease loss provision to assets | 0.0298% | 5,408 |
| Net operating income to assets | 0.7111% | 3,865 |
| Return on assets (ROA) | 0.8655% | 3,395 |
| Pretax return on assets | 0.8655% | 4,237 |
| Return on Equity (ROE) | 8.2054% | 3,181 |
| Retained earnings to average equity (ytd only) | 5.4326% | 3,079 |
| Net charge-offs to loans | 0.7460% | 1,487 |
| Credit loss provision to net charge-offs | 10.6952% | 5,068 |
| Earnings coverage of net charge-offs (x) | 2.6595% | 3,972 |
| Efficiency ratio | 78.0620% | 2,396 |
| Assets per employee ($millions) | 4.7466% | 2,533 |
| Cash dividends to net income (ytd only)* | 33.7922% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 3,641 |
| Loan loss allowance to noncurrent loans | 407.2917% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 5,204 |
| Noncurrent loans to loans | 0.3857% | 5,695 |
| Net loans and leases to total assets | 36.8678% | 6,491 |
| Net loans and leases to deposits | 43.0968% | 6,551 |
| Net loans and leases to core deposits | 44.4999% | 6,578 |
| Total domestic deposits to total assets | 85.5466% | 3,484 |
| Equity capital to assets | 11.2835% | 2,954 |
| Core capital (leverage) ratio | 8.8580% | 5,258 |
| Tier 1 risk-based capital ratio | 18.5375% | 2,152 |
| Total risk-based capital ratio | 19.7462% | 2,136 |
| Memoranda: | ||
| Average total assets | $268,500,250 | 2,385 |
| Average earning assets | $251,717,000 | 2,337 |
| Average equity | $28,322,000 | 2,380 |
| Average total loans | $100,263,500 | 3,550 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7899% | 6,161 |
| Cost of funding earning assets | 0.6346% | 4,581 |
| Net interest margin | 3.1553% | 5,856 |
| Noninterest income to average assets | 0.3727% | 4,856 |
| Noninterest expense to average assets | 2.6400% | 4,649 |
| Loan and lease loss provision to assets | 0.0445% | 5,122 |
| Net operating income to assets | 0.6414% | 4,158 |
| Return on assets (ROA) | 0.8723% | 3,293 |
| Pretax return on assets | 0.8723% | 4,188 |
| Return on Equity (ROE) | 8.4639% | 3,034 |
| Retained earnings to average equity (ytd only) | 5.3016% | 3,092 |
| Net charge-offs to loans | 0.6209% | 1,771 |
| Credit loss provision to net charge-offs | 19.2308% | 4,618 |
| Earnings coverage of net charge-offs (x) | 2.9615% | 3,562 |
| Efficiency ratio | 79.3750% | 2,281 |
| Assets per employee ($millions) | 4.7466% | 2,509 |
| Cash dividends to net income (ytd only)* | 37.3617% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 2,782 |
| Loan loss allowance to noncurrent loans | 281.0853% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 5,011 |
| Noncurrent loans to loans | 0.6475% | 5,215 |
| Net loans and leases to total assets | 36.7959% | 6,564 |
| Net loans and leases to deposits | 42.8502% | 6,610 |
| Net loans and leases to core deposits | 43.8895% | 6,666 |
| Total domestic deposits to total assets | 85.8710% | 3,420 |
| Equity capital to assets | 10.7977% | 3,342 |
| Core capital (leverage) ratio | 8.8299% | 5,167 |
| Tier 1 risk-based capital ratio | 18.1442% | 2,247 |
| Total risk-based capital ratio | 19.3805% | 2,224 |
| Memoranda: | ||
| Average total assets | $269,396,330 | 2,378 |
| Average earning assets | $252,144,670 | 2,338 |
| Average equity | $27,765,000 | 2,415 |
| Average total loans | $100,497,000 | 3,557 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 6,202 |
| Cost of funding earning assets | 0.6577% | 4,659 |
| Net interest margin | 3.1636% | 5,870 |
| Noninterest income to average assets | 0.2788% | 5,636 |
| Noninterest expense to average assets | 2.5458% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6844% | 3,959 |
| Return on assets (ROA) | 0.8924% | 3,179 |
| Pretax return on assets | 0.8924% | 4,054 |
| Return on Equity (ROE) | 8.8654% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.7003% | 3,146 |
| Net charge-offs to loans | 0.5944% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.0933% | 2,967 |
| Efficiency ratio | 78.8128% | 2,377 |
| Assets per employee ($millions) | 4.8201% | 2,481 |
| Cash dividends to net income (ytd only)* | 35.7025% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 2,651 |
| Loan loss allowance to noncurrent loans | 190.5473% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 4,771 |
| Noncurrent loans to loans | 1.0021% | 4,672 |
| Net loans and leases to total assets | 36.4449% | 6,595 |
| Net loans and leases to deposits | 42.3391% | 6,639 |
| Net loans and leases to core deposits | 43.4393% | 6,679 |
| Total domestic deposits to total assets | 86.0787% | 3,483 |
| Equity capital to assets | 10.1684% | 3,890 |
| Core capital (leverage) ratio | 8.7157% | 5,270 |
| Tier 1 risk-based capital ratio | 18.0313% | 2,279 |
| Total risk-based capital ratio | 19.2659% | 2,256 |
| Memoranda: | ||
| Average total assets | $271,191,000 | 2,373 |
| Average earning assets | $253,002,500 | 2,342 |
| Average equity | $27,297,000 | 2,452 |
| Average total loans | $100,936,000 | 3,573 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 6,301 |
| Cost of funding earning assets | 0.7549% | 5,172 |
| Net interest margin | 3.3337% | 5,712 |
| Noninterest income to average assets | 0.5095% | 3,782 |
| Noninterest expense to average assets | 2.7853% | 4,400 |
| Loan and lease loss provision to assets | 0.0395% | 6,077 |
| Net operating income to assets | 0.7897% | 3,082 |
| Return on assets (ROA) | 1.1371% | 1,823 |
| Pretax return on assets | 1.1371% | 2,703 |
| Return on Equity (ROE) | 11.8187% | 1,458 |
| Retained earnings to average equity (ytd only) | 5.2007% | 2,507 |
| Net charge-offs to loans | 0.0905% | 5,435 |
| Credit loss provision to net charge-offs | 104.1667% | 3,306 |
| Earnings coverage of net charge-offs (x) | 21.8542% | 1,077 |
| Efficiency ratio | 77.0585% | 2,734 |
| Assets per employee ($millions) | 4.9538% | 2,263 |
| Cash dividends to net income (ytd only)* | 55.9958% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0328% | 2,174 |
| Loan loss allowance to noncurrent loans | 475.8065% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 4,988 |
| Noncurrent loans to loans | 0.4272% | 5,854 |
| Net loans and leases to total assets | 36.5261% | 6,730 |
| Net loans and leases to deposits | 42.4759% | 6,786 |
| Net loans and leases to core deposits | 43.4258% | 6,838 |
| Total domestic deposits to total assets | 85.9927% | 3,328 |
| Equity capital to assets | 9.9638% | 4,208 |
| Core capital (leverage) ratio | 8.4776% | 5,601 |
| Tier 1 risk-based capital ratio | 17.0912% | 2,559 |
| Total risk-based capital ratio | 18.3210% | 2,523 |
| Memoranda: | ||
| Average total assets | $253,004,400 | 2,489 |
| Average earning assets | $235,655,200 | 2,444 |
| Average equity | $24,342,800 | 2,634 |
| Average total loans | $106,037,400 | 3,475 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 6,339 |
| Cost of funding earning assets | 0.7745% | 5,313 |
| Net interest margin | 3.3596% | 5,685 |
| Noninterest income to average assets | 0.5164% | 3,748 |
| Noninterest expense to average assets | 2.8467% | 4,155 |
| Loan and lease loss provision to assets | 0.0537% | 5,774 |
| Net operating income to assets | 0.7506% | 3,378 |
| Return on assets (ROA) | 1.2235% | 1,700 |
| Pretax return on assets | 1.2235% | 2,548 |
| Return on Equity (ROE) | 12.8414% | 1,321 |
| Retained earnings to average equity (ytd only) | 7.0551% | 1,941 |
| Net charge-offs to loans | 0.1145% | 4,876 |
| Credit loss provision to net charge-offs | 108.6957% | 3,035 |
| Earnings coverage of net charge-offs (x) | 16.2722% | 1,407 |
| Efficiency ratio | 77.9691% | 2,552 |
| Assets per employee ($millions) | 4.7258% | 2,591 |
| Cash dividends to net income (ytd only)* | 45.0595% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 2,273 |
| Loan loss allowance to noncurrent loans | 474.3119% | 678 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 4,374 |
| Noncurrent loans to loans | 0.4264% | 5,986 |
| Net loans and leases to total assets | 37.8590% | 6,776 |
| Net loans and leases to deposits | 44.0916% | 6,826 |
| Net loans and leases to core deposits | 44.8156% | 6,893 |
| Total domestic deposits to total assets | 85.8645% | 3,292 |
| Equity capital to assets | 10.0470% | 4,274 |
| Core capital (leverage) ratio | 8.7495% | 5,339 |
| Tier 1 risk-based capital ratio | 17.4486% | 2,467 |
| Total risk-based capital ratio | 18.6729% | 2,445 |
| Memoranda: | ||
| Average total assets | $248,141,250 | 2,556 |
| Average earning assets | $231,527,000 | 2,491 |
| Average equity | $23,641,750 | 2,707 |
| Average total loans | $107,151,000 | 3,482 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 6,249 |
| Cost of funding earning assets | 0.8007% | 5,362 |
| Net interest margin | 3.4151% | 5,504 |
| Noninterest income to average assets | 0.5209% | 3,697 |
| Noninterest expense to average assets | 2.8775% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8251% | 2,961 |
| Return on assets (ROA) | 0.8251% | 3,072 |
| Pretax return on assets | 0.8251% | 3,928 |
| Return on Equity (ROE) | 8.8352% | 2,582 |
| Retained earnings to average equity (ytd only) | 3.0981% | 4,304 |
| Net charge-offs to loans | 0.1618% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 11.3750% | 1,723 |
| Efficiency ratio | 77.7159% | 2,758 |
| Assets per employee ($millions) | 4.6290% | 2,648 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8969% | 2,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 4,678 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 39.3433% | 6,783 |
| Net loans and leases to deposits | 45.6236% | 6,846 |
| Net loans and leases to core deposits | 46.3832% | 6,916 |
| Total domestic deposits to total assets | 86.2346% | 3,194 |
| Equity capital to assets | 9.4486% | 4,895 |
| Core capital (leverage) ratio | 8.7145% | 5,200 |
| Tier 1 risk-based capital ratio | 16.5910% | 2,698 |
| Total risk-based capital ratio | 17.8135% | 2,670 |
| Memoranda: | ||
| Average total assets | $242,640,000 | 2,626 |
| Average earning assets | $226,057,330 | 2,567 |
| Average equity | $22,659,330 | 2,799 |
| Average total loans | $108,781,330 | 3,487 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 6,035 |
| Cost of funding earning assets | 0.8380% | 5,345 |
| Net interest margin | 3.4548% | 5,205 |
| Noninterest income to average assets | 0.4626% | 4,168 |
| Noninterest expense to average assets | 2.9938% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6845% | 3,586 |
| Return on assets (ROA) | 0.6845% | 3,650 |
| Pretax return on assets | 0.6845% | 4,364 |
| Return on Equity (ROE) | 7.3773% | 3,208 |
| Retained earnings to average equity (ytd only) | -0.9015% | 5,963 |
| Net charge-offs to loans | 0.3130% | 2,796 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.6092% | 2,432 |
| Efficiency ratio | 81.3921% | 2,322 |
| Assets per employee ($millions) | 4.2106% | 3,446 |
| Cash dividends to net income (ytd only)* | 112.2195% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 2,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2795% | 4,400 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 44.5135% | 6,429 |
| Net loans and leases to deposits | 51.8997% | 6,482 |
| Net loans and leases to core deposits | 51.8997% | 6,684 |
| Total domestic deposits to total assets | 85.7682% | 3,656 |
| Equity capital to assets | 9.3072% | 4,715 |
| Core capital (leverage) ratio | 9.2426% | 4,223 |
| Tier 1 risk-based capital ratio | 16.2538% | 2,782 |
| Total risk-based capital ratio | 17.4753% | 2,759 |
| Memoranda: | ||
| Average total assets | $234,348,500 | 2,734 |
| Average earning assets | $218,132,500 | 2,686 |
| Average equity | $21,742,500 | 2,900 |
| Average total loans | $111,192,500 | 3,461 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 5,969 |
| Cost of funding earning assets | 0.9827% | 5,771 |
| Net interest margin | 3.6631% | 4,522 |
| Noninterest income to average assets | 0.5015% | 4,152 |
| Noninterest expense to average assets | 2.9067% | 4,201 |
| Loan and lease loss provision to assets | 0.1965% | 5,268 |
| Net operating income to assets | 0.8322% | 2,660 |
| Return on assets (ROA) | 0.9407% | 2,363 |
| Pretax return on assets | 0.9407% | 3,131 |
| Return on Equity (ROE) | 10.2625% | 1,831 |
| Retained earnings to average equity (ytd only) | 6.9819% | 1,336 |
| Net charge-offs to loans | 0.6079% | 3,214 |
| Credit loss provision to net charge-offs | 58.8832% | 6,100 |
| Earnings coverage of net charge-offs (x) | 3.0825% | 3,531 |
| Efficiency ratio | 73.8592% | 3,423 |
| Assets per employee ($millions) | 4.0860% | 3,604 |
| Cash dividends to net income (ytd only)* | 31.9676% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 2,915 |
| Loan loss allowance to noncurrent loans | 144.7646% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 5,801 |
| Noncurrent loans to loans | 1.2326% | 4,663 |
| Net loans and leases to total assets | 48.6864% | 6,312 |
| Net loans and leases to deposits | 56.9944% | 6,350 |
| Net loans and leases to core deposits | 56.9944% | 6,634 |
| Total domestic deposits to total assets | 85.4230% | 3,651 |
| Equity capital to assets | 9.2481% | 4,759 |
| Core capital (leverage) ratio | 9.0735% | 4,406 |
| Tier 1 risk-based capital ratio | 16.1111% | 2,697 |
| Total risk-based capital ratio | 17.3609% | 2,655 |
| Memoranda: | ||
| Average total assets | $236,107,400 | 2,683 |
| Average earning assets | $221,339,800 | 2,615 |
| Average equity | $21,641,800 | 2,924 |
| Average total loans | $129,636,400 | 3,129 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 6,016 |
| Cost of funding earning assets | 1.0159% | 5,866 |
| Net interest margin | 3.6846% | 4,486 |
| Noninterest income to average assets | 0.4908% | 4,263 |
| Noninterest expense to average assets | 2.9237% | 4,000 |
| Loan and lease loss provision to assets | 0.2606% | 4,503 |
| Net operating income to assets | 0.7603% | 3,177 |
| Return on assets (ROA) | 0.7637% | 3,318 |
| Pretax return on assets | 0.7637% | 4,037 |
| Return on Equity (ROE) | 8.3502% | 2,771 |
| Retained earnings to average equity (ytd only) | 6.5965% | 2,044 |
| Net charge-offs to loans | 0.6818% | 2,720 |
| Credit loss provision to net charge-offs | 67.9883% | 5,476 |
| Earnings coverage of net charge-offs (x) | 2.6637% | 3,818 |
| Efficiency ratio | 74.1190% | 3,311 |
| Assets per employee ($millions) | 4.2212% | 3,405 |
| Cash dividends to net income (ytd only)* | 21.0022% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 2,807 |
| Loan loss allowance to noncurrent loans | 143.3488% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 5,873 |
| Noncurrent loans to loans | 1.2524% | 4,762 |
| Net loans and leases to total assets | 49.2438% | 6,402 |
| Net loans and leases to deposits | 58.9376% | 6,383 |
| Net loans and leases to core deposits | 58.9376% | 6,671 |
| Total domestic deposits to total assets | 83.5524% | 4,349 |
| Equity capital to assets | 9.5949% | 4,707 |
| Core capital (leverage) ratio | 8.8063% | 4,996 |
| Tier 1 risk-based capital ratio | 15.5462% | 2,972 |
| Total risk-based capital ratio | 16.8016% | 2,935 |
| Memoranda: | ||
| Average total assets | $236,909,000 | 2,707 |
| Average earning assets | $222,073,500 | 2,642 |
| Average equity | $21,667,500 | 2,961 |
| Average total loans | $133,182,750 | 3,118 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 5,817 |
| Cost of funding earning assets | 1.0338% | 5,990 |
| Net interest margin | 3.7597% | 4,093 |
| Noninterest income to average assets | 0.4947% | 4,161 |
| Noninterest expense to average assets | 2.9031% | 4,066 |
| Loan and lease loss provision to assets | 0.3938% | 3,351 |
| Net operating income to assets | 0.7162% | 3,325 |
| Return on assets (ROA) | 0.7213% | 3,462 |
| Pretax return on assets | 0.7213% | 4,161 |
| Return on Equity (ROE) | 8.0209% | 2,876 |
| Retained earnings to average equity (ytd only) | 6.2752% | 2,183 |
| Net charge-offs to loans | 0.9930% | 1,865 |
| Credit loss provision to net charge-offs | 68.0352% | 5,018 |
| Earnings coverage of net charge-offs (x) | 1.9179% | 4,081 |
| Efficiency ratio | 72.3409% | 3,764 |
| Assets per employee ($millions) | 4.0915% | 3,593 |
| Cash dividends to net income (ytd only)* | 21.7647% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 3,247 |
| Loan loss allowance to noncurrent loans | 143.3488% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 5,897 |
| Noncurrent loans to loans | 1.1517% | 5,034 |
| Net loans and leases to total assets | 54.3707% | 5,938 |
| Net loans and leases to deposits | 64.9034% | 5,923 |
| Net loans and leases to core deposits | 64.9034% | 6,322 |
| Total domestic deposits to total assets | 83.7717% | 4,211 |
| Equity capital to assets | 9.1586% | 5,203 |
| Core capital (leverage) ratio | 8.6906% | 5,091 |
| Tier 1 risk-based capital ratio | 14.3473% | 3,519 |
| Total risk-based capital ratio | 15.6006% | 3,483 |
| Memoranda: | ||
| Average total assets | $235,676,330 | 2,742 |
| Average earning assets | $220,551,670 | 2,674 |
| Average equity | $21,194,670 | 3,015 |
| Average total loans | $137,360,330 | 3,059 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 5,687 |
| Cost of funding earning assets | 1.0648% | 6,064 |
| Net interest margin | 3.7861% | 3,847 |
| Noninterest income to average assets | 0.5058% | 4,005 |
| Noninterest expense to average assets | 2.9141% | 4,001 |
| Loan and lease loss provision to assets | 0.2623% | 3,941 |
| Net operating income to assets | 0.8720% | 2,664 |
| Return on assets (ROA) | 0.8754% | 2,730 |
| Pretax return on assets | 0.8754% | 3,559 |
| Return on Equity (ROE) | 9.8256% | 2,164 |
| Retained earnings to average equity (ytd only) | 8.2007% | 1,623 |
| Net charge-offs to loans | 0.5184% | 2,513 |
| Credit loss provision to net charge-offs | 84.6154% | 3,782 |
| Earnings coverage of net charge-offs (x) | 3.6593% | 2,833 |
| Efficiency ratio | 71.9815% | 3,936 |
| Assets per employee ($millions) | 3.9356% | 4,026 |
| Cash dividends to net income (ytd only)* | 16.5370% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 2,978 |
| Loan loss allowance to noncurrent loans | 110.1497% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 5,227 |
| Noncurrent loans to loans | 1.5642% | 4,399 |
| Net loans and leases to total assets | 56.8868% | 5,627 |
| Net loans and leases to deposits | 67.9779% | 5,591 |
| Net loans and leases to core deposits | 68.1890% | 6,079 |
| Total domestic deposits to total assets | 83.6843% | 4,307 |
| Equity capital to assets | 9.0563% | 5,192 |
| Core capital (leverage) ratio | 8.7384% | 4,958 |
| Tier 1 risk-based capital ratio | 13.8251% | 3,782 |
| Total risk-based capital ratio | 15.0858% | 3,734 |
| Memoranda: | ||
| Average total assets | $234,860,500 | 2,816 |
| Average earning assets | $219,752,000 | 2,741 |
| Average equity | $20,925,000 | 3,073 |
| Average total loans | $140,444,500 | 3,069 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 5,393 |
| Cost of funding earning assets | 1.2929% | 6,335 |
| Net interest margin | 3.9612% | 3,023 |
| Noninterest income to average assets | 0.5351% | 4,142 |
| Noninterest expense to average assets | 3.1070% | 3,703 |
| Loan and lease loss provision to assets | 0.9402% | 2,398 |
| Net operating income to assets | 0.1922% | 4,921 |
| Return on assets (ROA) | 0.3557% | 4,398 |
| Pretax return on assets | 0.3557% | 4,622 |
| Return on Equity (ROE) | 4.0261% | 4,087 |
| Retained earnings to average equity (ytd only) | -0.0100% | 4,929 |
| Net charge-offs to loans | 1.1764% | 2,083 |
| Credit loss provision to net charge-offs | 121.6078% | 4,370 |
| Earnings coverage of net charge-offs (x) | 1.4647% | 4,662 |
| Efficiency ratio | 73.2897% | 4,037 |
| Assets per employee ($millions) | 4.0274% | 3,763 |
| Cash dividends to net income (ytd only)* | 100.2478% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 3,075 |
| Loan loss allowance to noncurrent loans | 110.3193% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 5,140 |
| Noncurrent loans to loans | 1.4986% | 4,419 |
| Net loans and leases to total assets | 60.7144% | 5,228 |
| Net loans and leases to deposits | 72.5305% | 5,255 |
| Net loans and leases to core deposits | 84.7477% | 5,648 |
| Total domestic deposits to total assets | 83.7089% | 4,175 |
| Equity capital to assets | 8.7612% | 5,500 |
| Core capital (leverage) ratio | 8.6314% | 5,052 |
| Tier 1 risk-based capital ratio | 12.8662% | 4,233 |
| Total risk-based capital ratio | 14.1198% | 4,184 |
| Memoranda: | ||
| Average total assets | $226,873,000 | 2,858 |
| Average earning assets | $212,158,800 | 2,809 |
| Average equity | $20,044,200 | 3,190 |
| Average total loans | $149,095,600 | 2,927 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 5,443 |
| Cost of funding earning assets | 1.3486% | 6,402 |
| Net interest margin | 3.9477% | 3,049 |
| Noninterest income to average assets | 0.5009% | 4,471 |
| Noninterest expense to average assets | 3.1723% | 3,392 |
| Loan and lease loss provision to assets | 1.1439% | 1,704 |
| Net operating income to assets | -0.1220% | 5,925 |
| Return on assets (ROA) | 0.0977% | 5,524 |
| Pretax return on assets | 0.0977% | 5,532 |
| Return on Equity (ROE) | 1.1033% | 5,462 |
| Retained earnings to average equity (ytd only) | -3.7045% | 6,062 |
| Net charge-offs to loans | 1.5558% | 1,317 |
| Credit loss provision to net charge-offs | 110.1482% | 4,619 |
| Earnings coverage of net charge-offs (x) | 0.9840% | 5,071 |
| Efficiency ratio | 75.6352% | 3,570 |
| Assets per employee ($millions) | 3.9763% | 3,775 |
| Cash dividends to net income (ytd only)* | 435.7653% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 3,655 |
| Loan loss allowance to noncurrent loans | 93.4104% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 4,967 |
| Noncurrent loans to loans | 1.5605% | 4,299 |
| Net loans and leases to total assets | 62.9026% | 5,084 |
| Net loans and leases to deposits | 75.1959% | 5,182 |
| Net loans and leases to core deposits | 88.5414% | 5,587 |
| Total domestic deposits to total assets | 83.6516% | 3,882 |
| Equity capital to assets | 8.6448% | 6,045 |
| Core capital (leverage) ratio | 8.4166% | 5,645 |
| Tier 1 risk-based capital ratio | 12.3158% | 4,690 |
| Total risk-based capital ratio | 13.5731% | 4,629 |
| Memoranda: | ||
| Average total assets | $225,194,500 | 2,893 |
| Average earning assets | $210,681,000 | 2,846 |
| Average equity | $19,939,000 | 3,245 |
| Average total loans | $150,318,250 | 2,944 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4595% | 4,850 |
| Cost of funding earning assets | 1.4151% | 6,431 |
| Net interest margin | 4.0444% | 2,526 |
| Noninterest income to average assets | 0.5179% | 4,286 |
| Noninterest expense to average assets | 3.1568% | 3,481 |
| Loan and lease loss provision to assets | 1.7401% | 960 |
| Net operating income to assets | -0.6052% | 6,664 |
| Return on assets (ROA) | -0.2711% | 6,306 |
| Pretax return on assets | -0.2711% | 6,206 |
| Return on Equity (ROE) | -3.0366% | 6,364 |
| Retained earnings to average equity (ytd only) | -9.6847% | 6,844 |
| Net charge-offs to loans | 2.4225% | 732 |
| Credit loss provision to net charge-offs | 105.9792% | 4,343 |
| Earnings coverage of net charge-offs (x) | 0.6912% | 5,025 |
| Efficiency ratio | 73.5572% | 4,100 |
| Assets per employee ($millions) | 3.8607% | 3,961 |
| Cash dividends to net income (ytd only)* | -218.9369% | 8,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 3,616 |
| Loan loss allowance to noncurrent loans | 84.7016% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 4,764 |
| Noncurrent loans to loans | 1.6775% | 3,984 |
| Net loans and leases to total assets | 64.4211% | 4,891 |
| Net loans and leases to deposits | 77.2774% | 4,979 |
| Net loans and leases to core deposits | 90.5780% | 5,487 |
| Total domestic deposits to total assets | 83.3634% | 4,084 |
| Equity capital to assets | 8.5257% | 6,011 |
| Core capital (leverage) ratio | 8.5083% | 5,436 |
| Tier 1 risk-based capital ratio | 12.1891% | 4,765 |
| Total risk-based capital ratio | 13.4401% | 4,674 |
| Memoranda: | ||
| Average total assets | $222,058,000 | 2,949 |
| Average earning assets | $207,199,670 | 2,909 |
| Average equity | $19,825,000 | 3,270 |
| Average total loans | $150,506,000 | 2,976 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7193% | 3,695 |
| Cost of funding earning assets | 1.4436% | 6,599 |
| Net interest margin | 4.2758% | 1,659 |
| Noninterest income to average assets | 0.5110% | 4,220 |
| Noninterest expense to average assets | 3.1698% | 3,114 |
| Loan and lease loss provision to assets | 3.4617% | 300 |
| Net operating income to assets | -2.1424% | 7,697 |
| Return on assets (ROA) | -2.1132% | 7,687 |
| Pretax return on assets | -2.1132% | 7,560 |
| Return on Equity (ROE) | -23.1282% | 7,811 |
| Retained earnings to average equity (ytd only) | -34.4926% | 7,908 |
| Net charge-offs to loans | 4.8053% | 229 |
| Credit loss provision to net charge-offs | 104.3454% | 3,618 |
| Earnings coverage of net charge-offs (x) | 0.3977% | 4,669 |
| Efficiency ratio | 70.6098% | 4,450 |
| Assets per employee ($millions) | 3.7472% | 4,239 |
| Cash dividends to net income (ytd only)* | -49.1364% | 8,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 3,504 |
| Loan loss allowance to noncurrent loans | 473.0159% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 6,933 |
| Noncurrent loans to loans | 0.2959% | 6,703 |
| Net loans and leases to total assets | 66.4591% | 4,476 |
| Net loans and leases to deposits | 80.5095% | 4,532 |
| Net loans and leases to core deposits | 94.2584% | 5,134 |
| Total domestic deposits to total assets | 82.5481% | 4,354 |
| Equity capital to assets | 8.6864% | 5,787 |
| Core capital (leverage) ratio | 8.3308% | 5,845 |
| Tier 1 risk-based capital ratio | 11.7460% | 5,175 |
| Total risk-based capital ratio | 13.0026% | 5,089 |
| Memoranda: | ||
| Average total assets | $219,196,500 | 2,995 |
| Average earning assets | $203,939,500 | 2,966 |
| Average equity | $20,027,500 | 3,258 |
| Average total loans | $151,332,000 | 2,983 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2959% | 3,978 |
| Cost of funding earning assets | 1.9397% | 6,618 |
| Net interest margin | 4.3562% | 1,806 |
| Noninterest income to average assets | 0.5321% | 4,380 |
| Noninterest expense to average assets | 3.0267% | 3,982 |
| Loan and lease loss provision to assets | 0.2081% | 4,814 |
| Net operating income to assets | 1.3325% | 1,394 |
| Return on assets (ROA) | 1.3325% | 1,349 |
| Pretax return on assets | 1.3325% | 2,199 |
| Return on Equity (ROE) | 14.0332% | 1,097 |
| Retained earnings to average equity (ytd only) | 5.4397% | 1,789 |
| Net charge-offs to loans | 0.1281% | 4,956 |
| Credit loss provision to net charge-offs | 241.5301% | 1,936 |
| Earnings coverage of net charge-offs (x) | 17.8798% | 1,740 |
| Efficiency ratio | 66.2680% | 5,072 |
| Assets per employee ($millions) | 3.6219% | 4,363 |
| Cash dividends to net income (ytd only)* | 61.2367% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 3,743 |
| Loan loss allowance to noncurrent loans | 351.3135% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 6,529 |
| Noncurrent loans to loans | 0.3716% | 6,243 |
| Net loans and leases to total assets | 69.7816% | 4,062 |
| Net loans and leases to deposits | 85.9503% | 4,126 |
| Net loans and leases to core deposits | 95.3880% | 5,309 |
| Total domestic deposits to total assets | 81.1883% | 4,566 |
| Equity capital to assets | 9.5950% | 4,550 |
| Core capital (leverage) ratio | 9.1892% | 4,462 |
| Tier 1 risk-based capital ratio | 12.4462% | 4,479 |
| Total risk-based capital ratio | 13.6909% | 4,384 |
| Memoranda: | ||
| Average total assets | $212,379,800 | 2,974 |
| Average earning assets | $196,731,200 | 2,927 |
| Average equity | $20,166,400 | 3,206 |
| Average total loans | $142,857,400 | 3,041 |