Home > Town And Country Bank > Performance and Condition Ratios
Town And Country Bank, Performance and Condition Ratios
| 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 | 3.9486% | 1,863 |
| Cost of funding earning assets | 0.2992% | 2,885 |
| Net interest margin | 3.6494% | 1,494 |
| Noninterest income to average assets | 1.4000% | 375 |
| Noninterest expense to average assets | 2.7986% | 1,315 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 1.5150% | 851 |
| Return on assets (ROA) | 1.5150% | 823 |
| Pretax return on assets | 2.0192% | 462 |
| Return on Equity (ROE) | 14.6300% | 1,358 |
| Retained earnings to average equity (ytd only) | 9.2563% | 1,403 |
| Net charge-offs to loans | 0.0503% | 1,165 |
| Credit loss provision to net charge-offs | -233.6449% | 4,610 |
| Earnings coverage of net charge-offs (x) | 54.2087% | 1,310 |
| Efficiency ratio | 58.4986% | 3,268 |
| Assets per employee ($millions) | 5.7695% | 2,971 |
| Cash dividends to net income (ytd only)* | 36.7107% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 1,601 |
| Loan loss allowance to noncurrent loans | 283.4215% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 1,367 |
| Noncurrent loans to loans | 0.4838% | 1,492 |
| Net loans and leases to total assets | 71.0000% | 1,527 |
| Net loans and leases to deposits | 85.9836% | 1,317 |
| Net loans and leases to core deposits | 87.0167% | 1,679 |
| Total domestic deposits to total assets | 82.5700% | 3,524 |
| Equity capital to assets | 10.0033% | 1,702 |
| Core capital (leverage) ratio | 10.8015% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8480% | 1,674 |
| Memoranda: | ||
| Average total assets | $898,985,400 | 1,080 |
| Average earning assets | $821,154,800 | 1,081 |
| Average equity | $93,125,400 | 990 |
| Average total loans | $637,673,000 | 986 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 1,836 |
| Cost of funding earning assets | 0.1796% | 3,523 |
| Net interest margin | 3.5912% | 1,409 |
| Noninterest income to average assets | 1.4800% | 367 |
| Noninterest expense to average assets | 2.8350% | 1,182 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 1.5190% | 811 |
| Return on assets (ROA) | 1.5191% | 788 |
| Pretax return on assets | 2.0458% | 425 |
| Return on Equity (ROE) | 14.5400% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.1781% | 1,589 |
| Net charge-offs to loans | 0.0091% | 1,790 |
| Credit loss provision to net charge-offs | -1,744.1860% | 4,735 |
| Earnings coverage of net charge-offs (x) | 301.1628% | 470 |
| Efficiency ratio | 58.8346% | 3,279 |
| Assets per employee ($millions) | 5.4884% | 3,231 |
| Cash dividends to net income (ytd only)* | 36.8587% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 1,494 |
| Loan loss allowance to noncurrent loans | 208.7594% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 1,032 |
| Noncurrent loans to loans | 0.6874% | 1,187 |
| Net loans and leases to total assets | 72.0900% | 1,290 |
| Net loans and leases to deposits | 86.2818% | 1,152 |
| Net loans and leases to core deposits | 87.3523% | 1,444 |
| Total domestic deposits to total assets | 83.5600% | 3,593 |
| Equity capital to assets | 9.8641% | 1,683 |
| Core capital (leverage) ratio | 10.9093% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4700% | 1,886 |
| Memoranda: | ||
| Average total assets | $892,950,000 | 1,088 |
| Average earning assets | $816,818,750 | 1,094 |
| Average equity | $93,321,000 | 1,010 |
| Average total loans | $630,965,750 | 989 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 1,770 |
| Cost of funding earning assets | 0.1178% | 3,984 |
| Net interest margin | 3.5039% | 1,304 |
| Noninterest income to average assets | 1.6186% | 301 |
| Noninterest expense to average assets | 2.8261% | 1,125 |
| Loan and lease loss provision to assets | -0.1681% | 4,662 |
| Net operating income to assets | 1.6044% | 544 |
| Return on assets (ROA) | 1.6044% | 528 |
| Pretax return on assets | 2.1723% | 260 |
| Return on Equity (ROE) | 15.0695% | 876 |
| Retained earnings to average equity (ytd only) | 9.8070% | 1,070 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8991% | 3,575 |
| Assets per employee ($millions) | 4.9691% | 3,704 |
| Cash dividends to net income (ytd only)* | 34.9211% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,394 |
| Loan loss allowance to noncurrent loans | 213.4646% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 1,029 |
| Noncurrent loans to loans | 0.7047% | 1,223 |
| Net loans and leases to total assets | 70.6257% | 1,243 |
| Net loans and leases to deposits | 82.9951% | 1,184 |
| Net loans and leases to core deposits | 84.1190% | 1,442 |
| Total domestic deposits to total assets | 85.0962% | 3,466 |
| Equity capital to assets | 10.4597% | 1,450 |
| Core capital (leverage) ratio | 10.7964% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8728% | 1,746 |
| Memoranda: | ||
| Average total assets | $892,399,333 | 1,082 |
| Average earning assets | $817,996,333 | 1,100 |
| Average equity | $95,013,333 | 997 |
| Average total loans | $623,171,667 | 995 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5141% | 1,765 |
| Cost of funding earning assets | 0.1083% | 4,041 |
| Net interest margin | 3.4058% | 1,286 |
| Noninterest income to average assets | 2.0610% | 232 |
| Noninterest expense to average assets | 2.8687% | 1,021 |
| Loan and lease loss provision to assets | -0.2219% | 4,704 |
| Net operating income to assets | 1.8657% | 289 |
| Return on assets (ROA) | 1.8657% | 289 |
| Pretax return on assets | 2.5416% | 172 |
| Return on Equity (ROE) | 17.3751% | 381 |
| Retained earnings to average equity (ytd only) | 12.2089% | 573 |
| Net charge-offs to loans | -0.0019% | 3,104 |
| Credit loss provision to net charge-offs | 16,666.6667% | 25 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7259% | 4,005 |
| Assets per employee ($millions) | 4.9185% | 3,817 |
| Cash dividends to net income (ytd only)* | 29.7336% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,299 |
| Loan loss allowance to noncurrent loans | 207.2758% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 1,043 |
| Noncurrent loans to loans | 0.7679% | 1,241 |
| Net loans and leases to total assets | 66.9029% | 1,319 |
| Net loans and leases to deposits | 76.9306% | 1,371 |
| Net loans and leases to core deposits | 77.9186% | 1,620 |
| Total domestic deposits to total assets | 86.9652% | 2,938 |
| Equity capital to assets | 10.6372% | 1,527 |
| Core capital (leverage) ratio | 10.3703% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9028% | 1,836 |
| Memoranda: | ||
| Average total assets | $901,319,000 | 1,081 |
| Average earning assets | $827,639,000 | 1,085 |
| Average equity | $96,782,000 | 1,010 |
| Average total loans | $621,209,000 | 991 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 1,956 |
| Cost of funding earning assets | 0.1759% | 3,702 |
| Net interest margin | 3.5870% | 1,502 |
| Noninterest income to average assets | 1.6473% | 417 |
| Noninterest expense to average assets | 3.0768% | 876 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3906% | 1,308 |
| Return on assets (ROA) | 1.3906% | 1,360 |
| Pretax return on assets | 1.8744% | 777 |
| Return on Equity (ROE) | 12.9433% | 1,484 |
| Retained earnings to average equity (ytd only) | 7.7158% | 1,655 |
| Net charge-offs to loans | -0.0108% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5486% | 2,931 |
| Assets per employee ($millions) | 4.8789% | 3,830 |
| Cash dividends to net income (ytd only)* | 40.3877% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 1,242 |
| Loan loss allowance to noncurrent loans | 206.2171% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 1,091 |
| Noncurrent loans to loans | 0.7791% | 1,309 |
| Net loans and leases to total assets | 68.7246% | 1,184 |
| Net loans and leases to deposits | 79.3721% | 1,264 |
| Net loans and leases to core deposits | 80.3543% | 1,563 |
| Total domestic deposits to total assets | 86.5853% | 2,677 |
| Equity capital to assets | 10.8371% | 1,911 |
| Core capital (leverage) ratio | 10.0700% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6941% | 1,978 |
| Memoranda: | ||
| Average total assets | $890,281,400 | 1,054 |
| Average earning assets | $819,998,800 | 1,062 |
| Average equity | $95,648,200 | 1,040 |
| Average total loans | $629,847,600 | 961 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 1,988 |
| Cost of funding earning assets | 0.1950% | 3,659 |
| Net interest margin | 3.6196% | 1,549 |
| Noninterest income to average assets | 1.7547% | 412 |
| Noninterest expense to average assets | 3.0907% | 835 |
| Loan and lease loss provision to assets | 0.0903% | 1,327 |
| Net operating income to assets | 1.4144% | 1,497 |
| Return on assets (ROA) | 1.4144% | 1,557 |
| Pretax return on assets | 1.9062% | 936 |
| Return on Equity (ROE) | 13.1948% | 1,639 |
| Retained earnings to average equity (ytd only) | 9.3342% | 1,561 |
| Net charge-offs to loans | -0.0159% | 3,870 |
| Credit loss provision to net charge-offs | -800.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1716% | 2,960 |
| Assets per employee ($millions) | 5.0321% | 3,668 |
| Cash dividends to net income (ytd only)* | 29.2584% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 942 |
| Loan loss allowance to noncurrent loans | 197.6915% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 1,186 |
| Noncurrent loans to loans | 0.9063% | 1,269 |
| Net loans and leases to total assets | 66.4000% | 1,497 |
| Net loans and leases to deposits | 76.6531% | 1,603 |
| Net loans and leases to core deposits | 77.6526% | 1,914 |
| Total domestic deposits to total assets | 86.6240% | 2,499 |
| Equity capital to assets | 11.0389% | 1,987 |
| Core capital (leverage) ratio | 10.1748% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2907% | 1,864 |
| Memoranda: | ||
| Average total assets | $885,982,250 | 1,071 |
| Average earning assets | $815,726,500 | 1,074 |
| Average equity | $94,974,250 | 1,065 |
| Average total loans | $628,848,500 | 980 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 2,071 |
| Cost of funding earning assets | 0.2218% | 3,543 |
| Net interest margin | 3.5770% | 1,644 |
| Noninterest income to average assets | 1.7639% | 405 |
| Noninterest expense to average assets | 3.0547% | 903 |
| Loan and lease loss provision to assets | 0.1357% | 905 |
| Net operating income to assets | 1.3871% | 1,594 |
| Return on assets (ROA) | 1.3871% | 1,671 |
| Pretax return on assets | 1.8670% | 1,085 |
| Return on Equity (ROE) | 13.0708% | 1,688 |
| Retained earnings to average equity (ytd only) | 9.3417% | 1,603 |
| Net charge-offs to loans | -0.0314% | 4,174 |
| Credit loss provision to net charge-offs | -600.0000% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8149% | 3,040 |
| Assets per employee ($millions) | 5.1064% | 3,552 |
| Cash dividends to net income (ytd only)* | 28.5295% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 988 |
| Loan loss allowance to noncurrent loans | 163.6157% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 1,024 |
| Noncurrent loans to loans | 1.0637% | 1,145 |
| Net loans and leases to total assets | 69.5173% | 1,261 |
| Net loans and leases to deposits | 81.0295% | 1,328 |
| Net loans and leases to core deposits | 82.1157% | 1,713 |
| Total domestic deposits to total assets | 85.7925% | 2,806 |
| Equity capital to assets | 10.9440% | 2,026 |
| Core capital (leverage) ratio | 9.8894% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6546% | 2,103 |
| Memoranda: | ||
| Average total assets | $884,414,667 | 1,068 |
| Average earning assets | $814,320,667 | 1,074 |
| Average equity | $93,858,333 | 1,072 |
| Average total loans | $637,729,667 | 971 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 2,184 |
| Cost of funding earning assets | 0.2734% | 3,237 |
| Net interest margin | 3.4968% | 1,832 |
| Noninterest income to average assets | 1.9129% | 403 |
| Noninterest expense to average assets | 3.0225% | 959 |
| Loan and lease loss provision to assets | 0.2704% | 367 |
| Net operating income to assets | 1.3720% | 1,627 |
| Return on assets (ROA) | 1.3720% | 1,714 |
| Pretax return on assets | 1.8479% | 1,201 |
| Return on Equity (ROE) | 13.1311% | 1,640 |
| Retained earnings to average equity (ytd only) | 9.8958% | 1,678 |
| Net charge-offs to loans | -0.0403% | 4,310 |
| Credit loss provision to net charge-offs | -923.0769% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2150% | 3,270 |
| Assets per employee ($millions) | 4.4585% | 4,140 |
| Cash dividends to net income (ytd only)* | 24.6386% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 1,080 |
| Loan loss allowance to noncurrent loans | 163.3333% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 1,098 |
| Noncurrent loans to loans | 1.0320% | 1,299 |
| Net loans and leases to total assets | 71.5861% | 1,082 |
| Net loans and leases to deposits | 84.8893% | 1,059 |
| Net loans and leases to core deposits | 86.0433% | 1,515 |
| Total domestic deposits to total assets | 84.3288% | 3,332 |
| Equity capital to assets | 10.6844% | 2,101 |
| Core capital (leverage) ratio | 9.5007% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1943% | 2,208 |
| Memoranda: | ||
| Average total assets | $887,470,000 | 1,050 |
| Average earning assets | $819,259,500 | 1,057 |
| Average equity | $92,726,500 | 1,074 |
| Average total loans | $645,900,500 | 953 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 2,296 |
| Cost of funding earning assets | 0.5715% | 2,499 |
| Net interest margin | 3.5742% | 2,235 |
| Noninterest income to average assets | 1.6993% | 439 |
| Noninterest expense to average assets | 3.1971% | 1,064 |
| Loan and lease loss provision to assets | 0.5800% | 360 |
| Net operating income to assets | 0.9300% | 2,562 |
| Return on assets (ROA) | 0.9300% | 2,709 |
| Pretax return on assets | 1.2225% | 2,251 |
| Return on Equity (ROE) | 9.1945% | 2,318 |
| Retained earnings to average equity (ytd only) | 5.7539% | 1,921 |
| Net charge-offs to loans | 0.1163% | 1,323 |
| Credit loss provision to net charge-offs | 667.5567% | 1,028 |
| Earnings coverage of net charge-offs (x) | 20.7450% | 1,929 |
| Efficiency ratio | 63.3394% | 2,921 |
| Assets per employee ($millions) | 4.6944% | 3,724 |
| Cash dividends to net income (ytd only)* | 37.4205% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 1,425 |
| Loan loss allowance to noncurrent loans | 169.9714% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 1,446 |
| Noncurrent loans to loans | 0.9124% | 1,544 |
| Net loans and leases to total assets | 71.6191% | 1,344 |
| Net loans and leases to deposits | 87.9866% | 1,091 |
| Net loans and leases to core deposits | 89.6083% | 1,558 |
| Total domestic deposits to total assets | 81.3978% | 3,787 |
| Equity capital to assets | 10.2172% | 2,917 |
| Core capital (leverage) ratio | 9.3583% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5073% | 2,446 |
| Memoranda: | ||
| Average total assets | $862,022,000 | 1,001 |
| Average earning assets | $795,983,600 | 1,000 |
| Average equity | $87,193,000 | 1,083 |
| Average total loans | $644,116,600 | 921 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 2,477 |
| Cost of funding earning assets | 0.6352% | 2,403 |
| Net interest margin | 3.5305% | 2,484 |
| Noninterest income to average assets | 1.5347% | 498 |
| Noninterest expense to average assets | 3.1787% | 1,105 |
| Loan and lease loss provision to assets | 0.6249% | 390 |
| Net operating income to assets | 0.7674% | 3,219 |
| Return on assets (ROA) | 0.7674% | 3,335 |
| Pretax return on assets | 0.9912% | 3,102 |
| Return on Equity (ROE) | 7.6075% | 2,957 |
| Retained earnings to average equity (ytd only) | 4.1228% | 2,984 |
| Net charge-offs to loans | 0.1020% | 1,293 |
| Credit loss provision to net charge-offs | 814.6640% | 966 |
| Earnings coverage of net charge-offs (x) | 21.0672% | 1,876 |
| Efficiency ratio | 65.6522% | 2,511 |
| Assets per employee ($millions) | 4.5863% | 3,734 |
| Cash dividends to net income (ytd only)* | 45.8062% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,800 |
| Loan loss allowance to noncurrent loans | 144.3999% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 1,399 |
| Noncurrent loans to loans | 0.9586% | 1,575 |
| Net loans and leases to total assets | 77.0372% | 960 |
| Net loans and leases to deposits | 94.8091% | 860 |
| Net loans and leases to core deposits | 97.1240% | 1,370 |
| Total domestic deposits to total assets | 81.2551% | 3,600 |
| Equity capital to assets | 10.2883% | 2,973 |
| Core capital (leverage) ratio | 9.2223% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2464% | 2,515 |
| Memoranda: | ||
| Average total assets | $853,371,500 | 995 |
| Average earning assets | $788,016,000 | 1,000 |
| Average equity | $86,088,750 | 1,082 |
| Average total loans | $642,078,500 | 924 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,825 |
| Cost of funding earning assets | 0.7120% | 2,324 |
| Net interest margin | 3.4681% | 2,894 |
| Noninterest income to average assets | 1.2181% | 675 |
| Noninterest expense to average assets | 3.0397% | 1,484 |
| Loan and lease loss provision to assets | 0.5890% | 544 |
| Net operating income to assets | 0.6222% | 3,667 |
| Return on assets (ROA) | 0.6222% | 3,744 |
| Pretax return on assets | 0.7890% | 3,624 |
| Return on Equity (ROE) | 6.2099% | 3,436 |
| Retained earnings to average equity (ytd only) | 2.6829% | 3,509 |
| Net charge-offs to loans | 0.1526% | 959 |
| Credit loss provision to net charge-offs | 519.7505% | 1,199 |
| Earnings coverage of net charge-offs (x) | 12.1601% | 2,067 |
| Efficiency ratio | 68.1084% | 2,223 |
| Assets per employee ($millions) | 4.7805% | 3,434 |
| Cash dividends to net income (ytd only)* | 56.7967% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,636 |
| Loan loss allowance to noncurrent loans | 142.8597% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 1,772 |
| Noncurrent loans to loans | 0.8227% | 1,852 |
| Net loans and leases to total assets | 73.7492% | 1,445 |
| Net loans and leases to deposits | 92.9367% | 1,058 |
| Net loans and leases to core deposits | 97.0109% | 1,495 |
| Total domestic deposits to total assets | 79.3543% | 3,962 |
| Equity capital to assets | 9.6932% | 3,486 |
| Core capital (leverage) ratio | 8.9583% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9676% | 2,628 |
| Memoranda: | ||
| Average total assets | $848,891,333 | 984 |
| Average earning assets | $783,201,000 | 988 |
| Average equity | $85,058,333 | 1,089 |
| Average total loans | $630,391,000 | 927 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2530% | 3,058 |
| Cost of funding earning assets | 0.8202% | 2,280 |
| Net interest margin | 3.4328% | 3,205 |
| Noninterest income to average assets | 0.8156% | 1,268 |
| Noninterest expense to average assets | 2.9001% | 2,123 |
| Loan and lease loss provision to assets | 0.2427% | 1,282 |
| Net operating income to assets | 0.6593% | 3,413 |
| Return on assets (ROA) | 0.6593% | 3,474 |
| Pretax return on assets | 0.8321% | 3,324 |
| Return on Equity (ROE) | 6.4644% | 3,146 |
| Retained earnings to average equity (ytd only) | 2.8942% | 3,125 |
| Net charge-offs to loans | 0.0459% | 1,561 |
| Credit loss provision to net charge-offs | 714.2857% | 712 |
| Earnings coverage of net charge-offs (x) | 31.6286% | 1,143 |
| Efficiency ratio | 72.1544% | 2,056 |
| Assets per employee ($millions) | 4.6801% | 3,015 |
| Cash dividends to net income (ytd only)* | 55.2283% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 3,627 |
| Loan loss allowance to noncurrent loans | 134.9485% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 2,085 |
| Noncurrent loans to loans | 0.7520% | 2,123 |
| Net loans and leases to total assets | 73.2878% | 1,730 |
| Net loans and leases to deposits | 90.5195% | 1,450 |
| Net loans and leases to core deposits | 95.9162% | 1,798 |
| Total domestic deposits to total assets | 80.9636% | 3,673 |
| Equity capital to assets | 9.8906% | 3,889 |
| Core capital (leverage) ratio | 9.5549% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6974% | 2,842 |
| Memoranda: | ||
| Average total assets | $823,965,500 | 984 |
| Average earning assets | $758,327,000 | 985 |
| Average equity | $84,029,000 | 1,096 |
| Average total loans | $610,237,000 | 931 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 2,973 |
| Cost of funding earning assets | 0.8799% | 2,286 |
| Net interest margin | 3.6124% | 3,097 |
| Noninterest income to average assets | 1.2464% | 608 |
| Noninterest expense to average assets | 3.0373% | 1,916 |
| Loan and lease loss provision to assets | 0.1712% | 1,220 |
| Net operating income to assets | 1.0252% | 2,749 |
| Return on assets (ROA) | 1.0310% | 2,821 |
| Pretax return on assets | 1.3546% | 2,315 |
| Return on Equity (ROE) | 10.1332% | 2,238 |
| Retained earnings to average equity (ytd only) | 6.4622% | 1,631 |
| Net charge-offs to loans | 0.2201% | 930 |
| Credit loss provision to net charge-offs | 106.5066% | 2,324 |
| Earnings coverage of net charge-offs (x) | 9.4469% | 2,662 |
| Efficiency ratio | 65.7894% | 2,807 |
| Assets per employee ($millions) | 4.4273% | 3,335 |
| Cash dividends to net income (ytd only)* | 36.2275% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,620 |
| Loan loss allowance to noncurrent loans | 122.7292% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 1,884 |
| Noncurrent loans to loans | 0.7960% | 1,914 |
| Net loans and leases to total assets | 73.3598% | 1,866 |
| Net loans and leases to deposits | 90.6143% | 1,526 |
| Net loans and leases to core deposits | 97.6878% | 1,754 |
| Total domestic deposits to total assets | 80.9583% | 3,776 |
| Equity capital to assets | 10.5160% | 3,429 |
| Core capital (leverage) ratio | 9.6629% | 3,889 |
| Tier 1 risk-based capital ratio | 12.0755% | 4,320 |
| Total risk-based capital ratio | 12.9950% | 4,380 |
| Memoranda: | ||
| Average total assets | $803,178,400 | 970 |
| Average earning assets | $735,790,600 | 975 |
| Average equity | $81,721,800 | 1,074 |
| Average total loans | $586,554,600 | 925 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 3,067 |
| Cost of funding earning assets | 0.8769% | 2,337 |
| Net interest margin | 3.6209% | 3,193 |
| Noninterest income to average assets | 1.2536% | 580 |
| Noninterest expense to average assets | 3.0523% | 1,820 |
| Loan and lease loss provision to assets | 0.1788% | 1,027 |
| Net operating income to assets | 1.0186% | 2,915 |
| Return on assets (ROA) | 1.0263% | 2,957 |
| Pretax return on assets | 1.3474% | 2,508 |
| Return on Equity (ROE) | 10.1731% | 2,362 |
| Retained earnings to average equity (ytd only) | 6.4627% | 2,136 |
| Net charge-offs to loans | 0.1246% | 1,265 |
| Credit loss provision to net charge-offs | 197.2477% | 1,328 |
| Earnings coverage of net charge-offs (x) | 16.7247% | 2,130 |
| Efficiency ratio | 65.8765% | 2,745 |
| Assets per employee ($millions) | 4.4178% | 3,321 |
| Cash dividends to net income (ytd only)* | 36.4727% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,332 |
| Loan loss allowance to noncurrent loans | 138.3469% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 2,101 |
| Noncurrent loans to loans | 0.7540% | 2,079 |
| Net loans and leases to total assets | 72.4596% | 2,092 |
| Net loans and leases to deposits | 93.4371% | 1,276 |
| Net loans and leases to core deposits | 100.8294% | 1,593 |
| Total domestic deposits to total assets | 77.5490% | 4,436 |
| Equity capital to assets | 10.0848% | 3,935 |
| Core capital (leverage) ratio | 9.4246% | 4,258 |
| Tier 1 risk-based capital ratio | 11.7499% | 4,546 |
| Total risk-based capital ratio | 12.7387% | 4,575 |
| Memoranda: | ||
| Average total assets | $801,423,000 | 974 |
| Average earning assets | $733,768,500 | 979 |
| Average equity | $80,852,000 | 1,075 |
| Average total loans | $583,137,000 | 929 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 3,147 |
| Cost of funding earning assets | 0.8423% | 2,436 |
| Net interest margin | 3.6179% | 3,198 |
| Noninterest income to average assets | 1.1904% | 603 |
| Noninterest expense to average assets | 3.0467% | 1,872 |
| Loan and lease loss provision to assets | 0.1702% | 1,071 |
| Net operating income to assets | 0.9804% | 2,990 |
| Return on assets (ROA) | 0.9919% | 3,023 |
| Pretax return on assets | 1.2981% | 2,562 |
| Return on Equity (ROE) | 9.8311% | 2,471 |
| Retained earnings to average equity (ytd only) | 6.0826% | 2,245 |
| Net charge-offs to loans | 0.1525% | 1,025 |
| Credit loss provision to net charge-offs | 153.7585% | 1,461 |
| Earnings coverage of net charge-offs (x) | 13.1321% | 2,119 |
| Efficiency ratio | 66.6293% | 2,725 |
| Assets per employee ($millions) | 4.3674% | 3,334 |
| Cash dividends to net income (ytd only)* | 38.1291% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,559 |
| Loan loss allowance to noncurrent loans | 167.9978% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 2,302 |
| Noncurrent loans to loans | 0.6019% | 2,464 |
| Net loans and leases to total assets | 72.8896% | 2,081 |
| Net loans and leases to deposits | 92.2657% | 1,463 |
| Net loans and leases to core deposits | 101.0435% | 1,628 |
| Total domestic deposits to total assets | 78.9997% | 4,223 |
| Equity capital to assets | 10.1207% | 3,862 |
| Core capital (leverage) ratio | 9.3847% | 4,268 |
| Tier 1 risk-based capital ratio | 11.7484% | 4,543 |
| Total risk-based capital ratio | 12.7112% | 4,597 |
| Memoranda: | ||
| Average total assets | $793,189,330 | 984 |
| Average earning assets | $725,669,670 | 991 |
| Average equity | $80,031,670 | 1,083 |
| Average total loans | $575,877,330 | 943 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 3,373 |
| Cost of funding earning assets | 0.7933% | 2,575 |
| Net interest margin | 3.5675% | 3,370 |
| Noninterest income to average assets | 1.0456% | 730 |
| Noninterest expense to average assets | 2.9478% | 2,140 |
| Loan and lease loss provision to assets | 0.1527% | 1,098 |
| Net operating income to assets | 0.9252% | 3,138 |
| Return on assets (ROA) | 0.9473% | 3,101 |
| Pretax return on assets | 1.2349% | 2,683 |
| Return on Equity (ROE) | 9.4035% | 2,628 |
| Retained earnings to average equity (ytd only) | 5.6138% | 2,630 |
| Net charge-offs to loans | 0.1702% | 802 |
| Credit loss provision to net charge-offs | 124.4813% | 1,396 |
| Earnings coverage of net charge-offs (x) | 11.0830% | 1,922 |
| Efficiency ratio | 67.2418% | 2,751 |
| Assets per employee ($millions) | 4.6947% | 2,926 |
| Cash dividends to net income (ytd only)* | 40.3009% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,620 |
| Loan loss allowance to noncurrent loans | 162.6916% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 2,469 |
| Noncurrent loans to loans | 0.6216% | 2,463 |
| Net loans and leases to total assets | 72.0423% | 2,156 |
| Net loans and leases to deposits | 88.2230% | 1,845 |
| Net loans and leases to core deposits | 95.8845% | 1,936 |
| Total domestic deposits to total assets | 81.6593% | 3,813 |
| Equity capital to assets | 10.0963% | 3,726 |
| Core capital (leverage) ratio | 9.3368% | 4,333 |
| Tier 1 risk-based capital ratio | 11.6620% | 4,648 |
| Total risk-based capital ratio | 12.5736% | 4,734 |
| Memoranda: | ||
| Average total assets | $785,804,000 | 992 |
| Average earning assets | $718,481,500 | 999 |
| Average equity | $79,162,000 | 1,084 |
| Average total loans | $566,348,500 | 955 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 3,431 |
| Cost of funding earning assets | 0.6224% | 2,573 |
| Net interest margin | 3.5846% | 3,436 |
| Noninterest income to average assets | 1.2875% | 565 |
| Noninterest expense to average assets | 3.2321% | 1,470 |
| Loan and lease loss provision to assets | 0.1194% | 1,851 |
| Net operating income to assets | 0.9318% | 3,321 |
| Return on assets (ROA) | 0.9505% | 3,228 |
| Pretax return on assets | 1.2287% | 2,781 |
| Return on Equity (ROE) | 9.5542% | 2,722 |
| Retained earnings to average equity (ytd only) | 5.5969% | 2,417 |
| Net charge-offs to loans | 0.0911% | 1,861 |
| Credit loss provision to net charge-offs | 187.6289% | 1,519 |
| Earnings coverage of net charge-offs (x) | 20.8103% | 1,975 |
| Efficiency ratio | 69.7656% | 2,231 |
| Assets per employee ($millions) | 3.9908% | 3,902 |
| Cash dividends to net income (ytd only)* | 41.4193% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,445 |
| Loan loss allowance to noncurrent loans | 155.7532% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 2,338 |
| Noncurrent loans to loans | 0.6683% | 2,322 |
| Net loans and leases to total assets | 70.6102% | 2,483 |
| Net loans and leases to deposits | 87.8845% | 2,058 |
| Net loans and leases to core deposits | 94.9440% | 2,146 |
| Total domestic deposits to total assets | 80.3444% | 4,030 |
| Equity capital to assets | 10.0513% | 3,630 |
| Core capital (leverage) ratio | 9.2773% | 4,376 |
| Tier 1 risk-based capital ratio | 11.9119% | 4,488 |
| Total risk-based capital ratio | 12.8487% | 4,564 |
| Memoranda: | ||
| Average total assets | $762,022,800 | 985 |
| Average earning assets | $694,942,400 | 994 |
| Average equity | $75,809,800 | 1,080 |
| Average total loans | $532,303,000 | 980 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 3,509 |
| Cost of funding earning assets | 0.5767% | 2,658 |
| Net interest margin | 3.5596% | 3,493 |
| Noninterest income to average assets | 1.3161% | 553 |
| Noninterest expense to average assets | 3.2734% | 1,362 |
| Loan and lease loss provision to assets | 0.1337% | 1,504 |
| Net operating income to assets | 0.8968% | 3,542 |
| Return on assets (ROA) | 0.9335% | 3,385 |
| Pretax return on assets | 1.2028% | 2,970 |
| Return on Equity (ROE) | 9.4084% | 2,899 |
| Retained earnings to average equity (ytd only) | 5.4196% | 2,997 |
| Net charge-offs to loans | 0.0919% | 1,579 |
| Credit loss provision to net charge-offs | 209.3664% | 1,333 |
| Earnings coverage of net charge-offs (x) | 20.2038% | 1,965 |
| Efficiency ratio | 70.5585% | 2,109 |
| Assets per employee ($millions) | 3.9298% | 4,003 |
| Cash dividends to net income (ytd only)* | 42.3969% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,398 |
| Loan loss allowance to noncurrent loans | 147.8663% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 2,450 |
| Noncurrent loans to loans | 0.7186% | 2,283 |
| Net loans and leases to total assets | 69.8872% | 2,667 |
| Net loans and leases to deposits | 87.3673% | 2,226 |
| Net loans and leases to core deposits | 94.3956% | 2,252 |
| Total domestic deposits to total assets | 79.9924% | 4,126 |
| Equity capital to assets | 9.9961% | 3,650 |
| Core capital (leverage) ratio | 9.1407% | 4,574 |
| Tier 1 risk-based capital ratio | 12.0733% | 4,461 |
| Total risk-based capital ratio | 13.0433% | 4,498 |
| Memoranda: | ||
| Average total assets | $757,976,250 | 991 |
| Average earning assets | $691,475,500 | 996 |
| Average equity | $75,207,250 | 1,085 |
| Average total loans | $526,560,000 | 993 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,577 |
| Cost of funding earning assets | 0.5259% | 2,794 |
| Net interest margin | 3.5351% | 3,515 |
| Noninterest income to average assets | 1.2307% | 637 |
| Noninterest expense to average assets | 3.2426% | 1,446 |
| Loan and lease loss provision to assets | 0.1748% | 1,042 |
| Net operating income to assets | 0.8046% | 3,842 |
| Return on assets (ROA) | 0.8594% | 3,627 |
| Pretax return on assets | 1.1049% | 3,298 |
| Return on Equity (ROE) | 8.6832% | 3,182 |
| Retained earnings to average equity (ytd only) | 4.6694% | 3,251 |
| Net charge-offs to loans | 0.1104% | 1,270 |
| Credit loss provision to net charge-offs | 229.1667% | 1,196 |
| Earnings coverage of net charge-offs (x) | 15.8681% | 2,017 |
| Efficiency ratio | 71.6129% | 2,064 |
| Assets per employee ($millions) | 3.9471% | 3,986 |
| Cash dividends to net income (ytd only)* | 46.2250% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,477 |
| Loan loss allowance to noncurrent loans | 119.6865% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 2,171 |
| Noncurrent loans to loans | 0.8863% | 1,951 |
| Net loans and leases to total assets | 69.4007% | 2,669 |
| Net loans and leases to deposits | 87.0739% | 2,210 |
| Net loans and leases to core deposits | 93.4712% | 2,270 |
| Total domestic deposits to total assets | 79.7032% | 4,305 |
| Equity capital to assets | 9.8187% | 3,807 |
| Core capital (leverage) ratio | 9.0603% | 4,633 |
| Tier 1 risk-based capital ratio | 11.7158% | 4,678 |
| Total risk-based capital ratio | 12.6677% | 4,733 |
| Memoranda: | ||
| Average total assets | $755,195,330 | 995 |
| Average earning assets | $688,356,000 | 997 |
| Average equity | $74,742,330 | 1,093 |
| Average total loans | $521,643,000 | 1,000 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 3,692 |
| Cost of funding earning assets | 0.4953% | 2,835 |
| Net interest margin | 3.4844% | 3,591 |
| Noninterest income to average assets | 1.1370% | 721 |
| Noninterest expense to average assets | 3.2221% | 1,525 |
| Loan and lease loss provision to assets | 0.0588% | 2,595 |
| Net operating income to assets | 0.7949% | 3,723 |
| Return on assets (ROA) | 0.9001% | 3,294 |
| Pretax return on assets | 1.1605% | 2,934 |
| Return on Equity (ROE) | 9.0573% | 2,886 |
| Retained earnings to average equity (ytd only) | 5.0211% | 3,160 |
| Net charge-offs to loans | 0.0148% | 2,231 |
| Credit loss provision to net charge-offs | 578.9474% | 534 |
| Earnings coverage of net charge-offs (x) | 106.8947% | 583 |
| Efficiency ratio | 73.5353% | 1,958 |
| Assets per employee ($millions) | 3.9190% | 4,118 |
| Cash dividends to net income (ytd only)* | 44.5633% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,648 |
| Loan loss allowance to noncurrent loans | 171.6357% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 2,895 |
| Noncurrent loans to loans | 0.6128% | 2,707 |
| Net loans and leases to total assets | 68.0928% | 2,761 |
| Net loans and leases to deposits | 81.5842% | 2,630 |
| Net loans and leases to core deposits | 95.1646% | 2,043 |
| Total domestic deposits to total assets | 83.4633% | 3,520 |
| Equity capital to assets | 9.9228% | 3,672 |
| Core capital (leverage) ratio | 9.0763% | 4,596 |
| Tier 1 risk-based capital ratio | 11.8112% | 4,675 |
| Total risk-based capital ratio | 12.7133% | 4,775 |
| Memoranda: | ||
| Average total assets | $747,949,000 | 1,006 |
| Average earning assets | $680,748,500 | 1,023 |
| Average equity | $74,327,000 | 1,106 |
| Average total loans | $512,516,500 | 1,027 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 3,706 |
| Cost of funding earning assets | 0.4546% | 2,727 |
| Net interest margin | 3.4514% | 3,686 |
| Noninterest income to average assets | 1.2533% | 677 |
| Noninterest expense to average assets | 3.2205% | 1,560 |
| Loan and lease loss provision to assets | 0.1379% | 1,660 |
| Net operating income to assets | 0.7951% | 3,186 |
| Return on assets (ROA) | 0.8228% | 3,107 |
| Pretax return on assets | 1.0757% | 3,279 |
| Return on Equity (ROE) | 8.4168% | 2,595 |
| Retained earnings to average equity (ytd only) | 4.2264% | 2,626 |
| Net charge-offs to loans | 0.1685% | 1,465 |
| Credit loss provision to net charge-offs | 123.4867% | 2,119 |
| Earnings coverage of net charge-offs (x) | 10.5400% | 2,662 |
| Efficiency ratio | 71.9886% | 2,228 |
| Assets per employee ($millions) | 3.8924% | 4,132 |
| Cash dividends to net income (ytd only)* | 49.7864% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,587 |
| Loan loss allowance to noncurrent loans | 234.9715% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 3,361 |
| Noncurrent loans to loans | 0.4493% | 3,166 |
| Net loans and leases to total assets | 67.5054% | 2,889 |
| Net loans and leases to deposits | 84.4248% | 2,445 |
| Net loans and leases to core deposits | 95.5904% | 2,068 |
| Total domestic deposits to total assets | 79.9591% | 4,341 |
| Equity capital to assets | 9.9523% | 3,758 |
| Core capital (leverage) ratio | 8.7041% | 4,949 |
| Tier 1 risk-based capital ratio | 11.7359% | 4,691 |
| Total risk-based capital ratio | 12.7179% | 4,766 |
| Memoranda: | ||
| Average total assets | $739,641,600 | 996 |
| Average earning assets | $673,812,800 | 1,006 |
| Average equity | $72,307,600 | 1,099 |
| Average total loans | $490,343,000 | 1,047 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 3,807 |
| Cost of funding earning assets | 0.4371% | 2,839 |
| Net interest margin | 3.4202% | 3,775 |
| Noninterest income to average assets | 1.2442% | 681 |
| Noninterest expense to average assets | 3.2060% | 1,544 |
| Loan and lease loss provision to assets | 0.1020% | 2,068 |
| Net operating income to assets | 0.7244% | 3,851 |
| Return on assets (ROA) | 0.7745% | 3,676 |
| Pretax return on assets | 1.1272% | 3,201 |
| Return on Equity (ROE) | 7.9586% | 3,143 |
| Retained earnings to average equity (ytd only) | 3.7298% | 3,706 |
| Net charge-offs to loans | 0.1363% | 1,433 |
| Credit loss provision to net charge-offs | 113.6821% | 2,093 |
| Earnings coverage of net charge-offs (x) | 12.8934% | 2,393 |
| Efficiency ratio | 72.2300% | 2,170 |
| Assets per employee ($millions) | 4.0596% | 3,884 |
| Cash dividends to net income (ytd only)* | 53.1344% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,723 |
| Loan loss allowance to noncurrent loans | 238.1148% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 3,665 |
| Noncurrent loans to loans | 0.4457% | 3,368 |
| Net loans and leases to total assets | 65.6219% | 3,161 |
| Net loans and leases to deposits | 82.3182% | 2,742 |
| Net loans and leases to core deposits | 93.0398% | 2,344 |
| Total domestic deposits to total assets | 79.7175% | 4,388 |
| Equity capital to assets | 9.8350% | 4,102 |
| Core capital (leverage) ratio | 8.6198% | 5,134 |
| Tier 1 risk-based capital ratio | 11.6073% | 4,876 |
| Total risk-based capital ratio | 12.5857% | 4,939 |
| Memoranda: | ||
| Average total assets | $738,690,500 | 1,001 |
| Average earning assets | $673,507,500 | 1,008 |
| Average equity | $71,887,000 | 1,114 |
| Average total loans | $486,123,500 | 1,059 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 3,772 |
| Cost of funding earning assets | 0.4196% | 2,899 |
| Net interest margin | 3.4164% | 3,713 |
| Noninterest income to average assets | 1.2614% | 652 |
| Noninterest expense to average assets | 3.2009% | 1,578 |
| Loan and lease loss provision to assets | 0.1126% | 1,820 |
| Net operating income to assets | 0.7114% | 3,792 |
| Return on assets (ROA) | 0.7845% | 3,524 |
| Pretax return on assets | 1.1689% | 2,899 |
| Return on Equity (ROE) | 8.0902% | 2,973 |
| Retained earnings to average equity (ytd only) | 3.8101% | 3,424 |
| Net charge-offs to loans | 0.1790% | 1,106 |
| Credit loss provision to net charge-offs | 95.8430% | 2,088 |
| Earnings coverage of net charge-offs (x) | 9.9815% | 2,382 |
| Efficiency ratio | 71.9328% | 2,349 |
| Assets per employee ($millions) | 3.9445% | 4,053 |
| Cash dividends to net income (ytd only)* | 52.9046% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,853 |
| Loan loss allowance to noncurrent loans | 297.2832% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 3,862 |
| Noncurrent loans to loans | 0.3530% | 3,767 |
| Net loans and leases to total assets | 65.3857% | 3,198 |
| Net loans and leases to deposits | 81.9954% | 2,703 |
| Net loans and leases to core deposits | 91.8317% | 2,351 |
| Total domestic deposits to total assets | 79.7431% | 4,471 |
| Equity capital to assets | 9.7829% | 4,138 |
| Core capital (leverage) ratio | 8.4830% | 5,228 |
| Tier 1 risk-based capital ratio | 11.4690% | 4,974 |
| Total risk-based capital ratio | 12.4323% | 5,045 |
| Memoranda: | ||
| Average total assets | $737,284,000 | 1,006 |
| Average earning assets | $671,578,000 | 1,013 |
| Average equity | $71,494,330 | 1,116 |
| Average total loans | $483,917,670 | 1,066 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 3,782 |
| Cost of funding earning assets | 0.4130% | 2,875 |
| Net interest margin | 3.3812% | 3,708 |
| Noninterest income to average assets | 1.1633% | 747 |
| Noninterest expense to average assets | 3.1368% | 1,773 |
| Loan and lease loss provision to assets | 0.0860% | 2,099 |
| Net operating income to assets | 0.7096% | 3,663 |
| Return on assets (ROA) | 0.8521% | 3,027 |
| Pretax return on assets | 1.2221% | 2,504 |
| Return on Equity (ROE) | 8.8265% | 2,494 |
| Retained earnings to average equity (ytd only) | 4.5992% | 3,125 |
| Net charge-offs to loans | 0.1397% | 1,100 |
| Credit loss provision to net charge-offs | 94.0476% | 1,662 |
| Earnings coverage of net charge-offs (x) | 12.0833% | 1,859 |
| Efficiency ratio | 72.6620% | 2,461 |
| Assets per employee ($millions) | 3.9994% | 4,013 |
| Cash dividends to net income (ytd only)* | 47.8927% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 3,865 |
| Loan loss allowance to noncurrent loans | 254.3704% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 3,735 |
| Noncurrent loans to loans | 0.4219% | 3,582 |
| Net loans and leases to total assets | 64.5161% | 3,196 |
| Net loans and leases to deposits | 78.9442% | 2,866 |
| Net loans and leases to core deposits | 87.6594% | 2,577 |
| Total domestic deposits to total assets | 81.7237% | 4,240 |
| Equity capital to assets | 9.7126% | 4,052 |
| Core capital (leverage) ratio | 8.3788% | 5,322 |
| Tier 1 risk-based capital ratio | 11.5726% | 4,984 |
| Total risk-based capital ratio | 12.5479% | 5,049 |
| Memoranda: | ||
| Average total assets | $735,146,000 | 1,009 |
| Average earning assets | $669,227,000 | 1,015 |
| Average equity | $70,968,500 | 1,121 |
| Average total loans | $480,868,000 | 1,060 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 3,581 |
| Cost of funding earning assets | 0.4047% | 2,955 |
| Net interest margin | 3.4921% | 3,464 |
| Noninterest income to average assets | 1.2620% | 712 |
| Noninterest expense to average assets | 3.3776% | 1,408 |
| Loan and lease loss provision to assets | 0.1794% | 1,335 |
| Net operating income to assets | 0.6108% | 4,164 |
| Return on assets (ROA) | 0.7062% | 3,866 |
| Pretax return on assets | 1.0352% | 3,344 |
| Return on Equity (ROE) | 7.3391% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.2021% | 1,610 |
| Net charge-offs to loans | 0.0768% | 2,598 |
| Credit loss provision to net charge-offs | 354.4669% | 866 |
| Earnings coverage of net charge-offs (x) | 21.2219% | 1,804 |
| Efficiency ratio | 74.6862% | 2,183 |
| Assets per employee ($millions) | 4.0575% | 3,853 |
| Cash dividends to net income (ytd only)* | 15.4927% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,879 |
| Loan loss allowance to noncurrent loans | 163.8413% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 3,437 |
| Noncurrent loans to loans | 0.6538% | 2,897 |
| Net loans and leases to total assets | 64.9040% | 3,231 |
| Net loans and leases to deposits | 81.4251% | 2,733 |
| Net loans and leases to core deposits | 89.3682% | 2,563 |
| Total domestic deposits to total assets | 79.7101% | 4,630 |
| Equity capital to assets | 9.5946% | 4,176 |
| Core capital (leverage) ratio | 8.4480% | 5,320 |
| Tier 1 risk-based capital ratio | 11.4594% | 5,079 |
| Total risk-based capital ratio | 12.4752% | 5,102 |
| Memoranda: | ||
| Average total assets | $685,481,000 | 1,039 |
| Average earning assets | $626,164,000 | 1,040 |
| Average equity | $65,961,600 | 1,190 |
| Average total loans | $451,954,800 | 1,086 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 3,841 |
| Cost of funding earning assets | 0.4092% | 2,934 |
| Net interest margin | 3.4188% | 3,778 |
| Noninterest income to average assets | 1.2904% | 698 |
| Noninterest expense to average assets | 3.4289% | 1,293 |
| Loan and lease loss provision to assets | 0.1632% | 1,408 |
| Net operating income to assets | 0.5661% | 4,428 |
| Return on assets (ROA) | 0.5751% | 4,504 |
| Pretax return on assets | 0.8383% | 4,193 |
| Return on Equity (ROE) | 5.9718% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.4295% | 3,180 |
| Net charge-offs to loans | 0.0186% | 3,341 |
| Credit loss provision to net charge-offs | 1,329.0323% | 320 |
| Earnings coverage of net charge-offs (x) | 80.5045% | 780 |
| Efficiency ratio | 76.6017% | 1,896 |
| Assets per employee ($millions) | 4.2263% | 3,547 |
| Cash dividends to net income (ytd only)* | 25.8266% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 4,148 |
| Loan loss allowance to noncurrent loans | 202.6538% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 3,605 |
| Noncurrent loans to loans | 0.5163% | 3,450 |
| Net loans and leases to total assets | 64.8183% | 3,295 |
| Net loans and leases to deposits | 81.0219% | 2,849 |
| Net loans and leases to core deposits | 88.9284% | 2,669 |
| Total domestic deposits to total assets | 80.0009% | 4,513 |
| Equity capital to assets | 9.5676% | 4,592 |
| Core capital (leverage) ratio | 8.1968% | 5,580 |
| Tier 1 risk-based capital ratio | 10.9481% | 5,395 |
| Total risk-based capital ratio | 11.9741% | 5,422 |
| Memoranda: | ||
| Average total assets | $673,250,500 | 1,054 |
| Average earning assets | $615,758,250 | 1,057 |
| Average equity | $64,836,250 | 1,220 |
| Average total loans | $444,489,000 | 1,099 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 4,040 |
| Cost of funding earning assets | 0.4019% | 3,022 |
| Net interest margin | 3.3726% | 3,991 |
| Noninterest income to average assets | 1.1999% | 785 |
| Noninterest expense to average assets | 3.4511% | 1,259 |
| Loan and lease loss provision to assets | 0.1529% | 1,495 |
| Net operating income to assets | 0.4702% | 4,802 |
| Return on assets (ROA) | 0.4702% | 4,893 |
| Pretax return on assets | 0.6850% | 4,667 |
| Return on Equity (ROE) | 4.8702% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.8702% | 2,809 |
| Net charge-offs to loans | 0.0111% | 3,332 |
| Credit loss provision to net charge-offs | 2,079.1667% | 198 |
| Earnings coverage of net charge-offs (x) | 113.9167% | 512 |
| Efficiency ratio | 79.5126% | 1,555 |
| Assets per employee ($millions) | 3.9448% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 4,549 |
| Loan loss allowance to noncurrent loans | 270.8262% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 4,073 |
| Noncurrent loans to loans | 0.3681% | 4,043 |
| Net loans and leases to total assets | 63.9806% | 3,363 |
| Net loans and leases to deposits | 80.8326% | 2,837 |
| Net loans and leases to core deposits | 90.0020% | 2,533 |
| Total domestic deposits to total assets | 79.1519% | 4,739 |
| Equity capital to assets | 9.3930% | 4,873 |
| Core capital (leverage) ratio | 8.3626% | 5,481 |
| Tier 1 risk-based capital ratio | 10.7813% | 5,534 |
| Total risk-based capital ratio | 11.7213% | 5,596 |
| Memoranda: | ||
| Average total assets | $652,541,000 | 1,088 |
| Average earning assets | $597,706,000 | 1,099 |
| Average equity | $62,995,670 | 1,253 |
| Average total loans | $432,085,330 | 1,131 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 4,728 |
| Cost of funding earning assets | 0.3875% | 3,218 |
| Net interest margin | 3.1748% | 4,657 |
| Noninterest income to average assets | 1.1469% | 837 |
| Noninterest expense to average assets | 3.1772% | 1,890 |
| Loan and lease loss provision to assets | 0.1049% | 1,951 |
| Net operating income to assets | 0.5161% | 4,558 |
| Return on assets (ROA) | 0.5161% | 4,667 |
| Pretax return on assets | 0.7771% | 4,279 |
| Return on Equity (ROE) | 5.2600% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.2600% | 2,781 |
| Net charge-offs to loans | -0.0342% | 5,124 |
| Credit loss provision to net charge-offs | -457.1429% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6898% | 1,941 |
| Assets per employee ($millions) | 3.9981% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 4,642 |
| Loan loss allowance to noncurrent loans | 274.7543% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 4,155 |
| Noncurrent loans to loans | 0.3614% | 4,135 |
| Net loans and leases to total assets | 63.3843% | 3,332 |
| Net loans and leases to deposits | 75.3932% | 3,290 |
| Net loans and leases to core deposits | 84.8674% | 2,858 |
| Total domestic deposits to total assets | 84.0717% | 3,489 |
| Equity capital to assets | 9.7604% | 4,384 |
| Core capital (leverage) ratio | 9.2181% | 4,578 |
| Tier 1 risk-based capital ratio | 11.1530% | 5,422 |
| Total risk-based capital ratio | 12.0813% | 5,499 |
| Memoranda: | ||
| Average total assets | $609,969,000 | 1,158 |
| Average earning assets | $559,538,500 | 1,159 |
| Average equity | $59,848,000 | 1,298 |
| Average total loans | $409,764,000 | 1,179 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 3,785 |
| Cost of funding earning assets | 0.3390% | 3,805 |
| Net interest margin | 3.5387% | 3,385 |
| Noninterest income to average assets | 1.3705% | 641 |
| Noninterest expense to average assets | 3.3786% | 1,533 |
| Loan and lease loss provision to assets | 0.2038% | 1,049 |
| Net operating income to assets | 0.7026% | 3,801 |
| Return on assets (ROA) | 0.8759% | 3,075 |
| Pretax return on assets | 1.3056% | 2,260 |
| Return on Equity (ROE) | 8.4083% | 2,757 |
| Retained earnings to average equity (ytd only) | 0.6686% | 5,244 |
| Net charge-offs to loans | 0.0716% | 2,812 |
| Credit loss provision to net charge-offs | 402.3438% | 758 |
| Earnings coverage of net charge-offs (x) | 24.6953% | 1,657 |
| Efficiency ratio | 72.3694% | 2,844 |
| Assets per employee ($millions) | 3.8242% | 4,246 |
| Cash dividends to net income (ytd only)* | 92.0488% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 3,709 |
| Loan loss allowance to noncurrent loans | 197.5069% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 3,666 |
| Noncurrent loans to loans | 0.5869% | 3,410 |
| Net loans and leases to total assets | 70.6534% | 2,271 |
| Net loans and leases to deposits | 89.3297% | 1,706 |
| Net loans and leases to core deposits | 96.2880% | 1,818 |
| Total domestic deposits to total assets | 79.0928% | 4,958 |
| Equity capital to assets | 9.8815% | 4,099 |
| Core capital (leverage) ratio | 9.2739% | 4,509 |
| Tier 1 risk-based capital ratio | 11.3707% | 5,329 |
| Total risk-based capital ratio | 12.5196% | 5,287 |
| Memoranda: | ||
| Average total assets | $505,420,600 | 1,331 |
| Average earning assets | $465,447,400 | 1,330 |
| Average equity | $52,650,600 | 1,414 |
| Average total loans | $357,323,200 | 1,266 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 4,019 |
| Cost of funding earning assets | 0.3307% | 3,982 |
| Net interest margin | 3.4916% | 3,570 |
| Noninterest income to average assets | 1.3574% | 662 |
| Noninterest expense to average assets | 3.2344% | 1,871 |
| Loan and lease loss provision to assets | 0.1804% | 1,156 |
| Net operating income to assets | 0.7694% | 3,583 |
| Return on assets (ROA) | 0.9564% | 2,777 |
| Pretax return on assets | 1.4431% | 1,854 |
| Return on Equity (ROE) | 9.0613% | 2,543 |
| Retained earnings to average equity (ytd only) | 3.5331% | 3,952 |
| Net charge-offs to loans | 0.0877% | 2,292 |
| Credit loss provision to net charge-offs | 291.8455% | 988 |
| Earnings coverage of net charge-offs (x) | 21.6866% | 1,811 |
| Efficiency ratio | 70.0835% | 3,197 |
| Assets per employee ($millions) | 3.7479% | 4,363 |
| Cash dividends to net income (ytd only)* | 61.0094% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 4,259 |
| Loan loss allowance to noncurrent loans | 249.5894% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 4,185 |
| Noncurrent loans to loans | 0.4385% | 4,035 |
| Net loans and leases to total assets | 71.0895% | 2,220 |
| Net loans and leases to deposits | 88.7785% | 1,799 |
| Net loans and leases to core deposits | 95.9544% | 1,886 |
| Total domestic deposits to total assets | 80.0752% | 4,732 |
| Equity capital to assets | 10.4332% | 3,666 |
| Core capital (leverage) ratio | 9.5060% | 4,296 |
| Tier 1 risk-based capital ratio | 11.8427% | 5,173 |
| Total risk-based capital ratio | 12.9676% | 5,175 |
| Memoranda: | ||
| Average total assets | $502,709,000 | 1,341 |
| Average earning assets | $463,195,250 | 1,340 |
| Average equity | $53,059,500 | 1,415 |
| Average total loans | $354,394,500 | 1,282 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,249 |
| Cost of funding earning assets | 0.3228% | 4,123 |
| Net interest margin | 3.4239% | 3,815 |
| Noninterest income to average assets | 1.2480% | 780 |
| Noninterest expense to average assets | 3.1734% | 2,054 |
| Loan and lease loss provision to assets | 0.1352% | 1,619 |
| Net operating income to assets | 0.7342% | 3,716 |
| Return on assets (ROA) | 0.7342% | 3,827 |
| Pretax return on assets | 1.0953% | 3,194 |
| Return on Equity (ROE) | 6.9294% | 3,653 |
| Retained earnings to average equity (ytd only) | 3.3634% | 3,901 |
| Net charge-offs to loans | 0.0085% | 3,604 |
| Credit loss provision to net charge-offs | 2,266.6667% | 177 |
| Earnings coverage of net charge-offs (x) | 206.2667% | 341 |
| Efficiency ratio | 71.4170% | 3,088 |
| Assets per employee ($millions) | 3.7047% | 4,419 |
| Cash dividends to net income (ytd only)* | 51.4626% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 4,546 |
| Loan loss allowance to noncurrent loans | 562.2614% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 5,144 |
| Noncurrent loans to loans | 0.1884% | 5,025 |
| Net loans and leases to total assets | 69.4587% | 2,414 |
| Net loans and leases to deposits | 87.0423% | 1,938 |
| Net loans and leases to core deposits | 93.8091% | 1,977 |
| Total domestic deposits to total assets | 79.7987% | 4,909 |
| Equity capital to assets | 10.3834% | 3,581 |
| Core capital (leverage) ratio | 9.4547% | 4,333 |
| Tier 1 risk-based capital ratio | 12.1494% | 5,040 |
| Total risk-based capital ratio | 13.6896% | 4,767 |
| Memoranda: | ||
| Average total assets | $502,871,000 | 1,350 |
| Average earning assets | $463,500,330 | 1,349 |
| Average equity | $53,280,000 | 1,421 |
| Average total loans | $352,199,670 | 1,294 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6820% | 4,430 |
| Cost of funding earning assets | 0.3285% | 4,115 |
| Net interest margin | 3.3535% | 4,009 |
| Noninterest income to average assets | 1.2318% | 748 |
| Noninterest expense to average assets | 3.1488% | 2,137 |
| Loan and lease loss provision to assets | 0.1006% | 2,013 |
| Net operating income to assets | 0.7133% | 3,737 |
| Return on assets (ROA) | 0.7133% | 3,861 |
| Pretax return on assets | 1.0805% | 3,160 |
| Return on Equity (ROE) | 6.6635% | 3,673 |
| Retained earnings to average equity (ytd only) | 3.6552% | 3,815 |
| Net charge-offs to loans | 0.0380% | 2,452 |
| Credit loss provision to net charge-offs | 378.7879% | 690 |
| Earnings coverage of net charge-offs (x) | 44.4545% | 909 |
| Efficiency ratio | 72.0528% | 3,166 |
| Assets per employee ($millions) | 3.5929% | 4,737 |
| Cash dividends to net income (ytd only)* | 45.1467% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 4,729 |
| Loan loss allowance to noncurrent loans | 521.1594% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 4,963 |
| Noncurrent loans to loans | 0.2026% | 5,050 |
| Net loans and leases to total assets | 67.9704% | 2,443 |
| Net loans and leases to deposits | 82.4369% | 2,283 |
| Net loans and leases to core deposits | 89.2644% | 2,206 |
| Total domestic deposits to total assets | 82.4515% | 4,367 |
| Equity capital to assets | 10.7607% | 3,245 |
| Core capital (leverage) ratio | 9.6384% | 4,100 |
| Tier 1 risk-based capital ratio | 12.5088% | 4,897 |
| Total risk-based capital ratio | 14.0680% | 4,633 |
| Memoranda: | ||
| Average total assets | $496,827,500 | 1,369 |
| Average earning assets | $458,989,500 | 1,361 |
| Average equity | $53,185,000 | 1,427 |
| Average total loans | $347,543,500 | 1,305 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 4,576 |
| Cost of funding earning assets | 0.3697% | 4,044 |
| Net interest margin | 3.4013% | 4,195 |
| Noninterest income to average assets | 1.1256% | 962 |
| Noninterest expense to average assets | 3.1958% | 2,224 |
| Loan and lease loss provision to assets | 0.0430% | 3,708 |
| Net operating income to assets | 0.6711% | 4,033 |
| Return on assets (ROA) | 0.7186% | 3,907 |
| Pretax return on assets | 1.0904% | 3,122 |
| Return on Equity (ROE) | 6.9700% | 3,654 |
| Retained earnings to average equity (ytd only) | 3.0881% | 4,045 |
| Net charge-offs to loans | 0.0630% | 3,589 |
| Credit loss provision to net charge-offs | 98.1735% | 2,464 |
| Earnings coverage of net charge-offs (x) | 24.2192% | 1,551 |
| Efficiency ratio | 74.3960% | 2,769 |
| Assets per employee ($millions) | 3.5308% | 4,849 |
| Cash dividends to net income (ytd only)* | 55.6948% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 5,124 |
| Loan loss allowance to noncurrent loans | 576.3158% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 5,116 |
| Noncurrent loans to loans | 0.1715% | 5,210 |
| Net loans and leases to total assets | 70.5004% | 2,155 |
| Net loans and leases to deposits | 87.4612% | 1,792 |
| Net loans and leases to core deposits | 94.9657% | 1,817 |
| Total domestic deposits to total assets | 80.6077% | 4,857 |
| Equity capital to assets | 10.6494% | 3,299 |
| Core capital (leverage) ratio | 9.5264% | 4,205 |
| Tier 1 risk-based capital ratio | 11.6143% | 5,598 |
| Total risk-based capital ratio | 13.0605% | 5,396 |
| Memoranda: | ||
| Average total assets | $499,724,000 | 1,333 |
| Average earning assets | $460,089,600 | 1,334 |
| Average equity | $51,520,800 | 1,410 |
| Average total loans | $347,783,800 | 1,269 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 4,717 |
| Cost of funding earning assets | 0.3667% | 4,166 |
| Net interest margin | 3.3817% | 4,304 |
| Noninterest income to average assets | 1.0486% | 1,120 |
| Noninterest expense to average assets | 3.2107% | 2,139 |
| Loan and lease loss provision to assets | 0.0373% | 3,657 |
| Net operating income to assets | 0.6108% | 4,397 |
| Return on assets (ROA) | 0.6240% | 4,433 |
| Pretax return on assets | 0.9303% | 3,858 |
| Return on Equity (ROE) | 6.1026% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.5182% | 4,791 |
| Net charge-offs to loans | 0.0663% | 3,253 |
| Credit loss provision to net charge-offs | 81.3953% | 2,568 |
| Earnings coverage of net charge-offs (x) | 20.6742% | 1,717 |
| Efficiency ratio | 76.5207% | 2,409 |
| Assets per employee ($millions) | 3.5614% | 4,750 |
| Cash dividends to net income (ytd only)* | 58.7356% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 5,340 |
| Loan loss allowance to noncurrent loans | 398.6239% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 4,824 |
| Noncurrent loans to loans | 0.2437% | 5,167 |
| Net loans and leases to total assets | 70.0609% | 2,184 |
| Net loans and leases to deposits | 87.4282% | 1,739 |
| Net loans and leases to core deposits | 95.8061% | 1,686 |
| Total domestic deposits to total assets | 80.1354% | 5,070 |
| Equity capital to assets | 10.2307% | 3,891 |
| Core capital (leverage) ratio | 9.4605% | 4,428 |
| Tier 1 risk-based capital ratio | 11.2816% | 5,880 |
| Total risk-based capital ratio | 12.6365% | 5,778 |
| Memoranda: | ||
| Average total assets | $500,194,750 | 1,345 |
| Average earning assets | $459,995,750 | 1,346 |
| Average equity | $51,146,750 | 1,425 |
| Average total loans | $346,108,750 | 1,275 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,806 |
| Cost of funding earning assets | 0.3691% | 4,224 |
| Net interest margin | 3.3477% | 4,419 |
| Noninterest income to average assets | 1.0009% | 1,197 |
| Noninterest expense to average assets | 3.1909% | 2,223 |
| Loan and lease loss provision to assets | 0.0421% | 3,478 |
| Net operating income to assets | 0.5681% | 4,507 |
| Return on assets (ROA) | 0.5883% | 4,509 |
| Pretax return on assets | 0.8697% | 3,999 |
| Return on Equity (ROE) | 5.7547% | 4,303 |
| Retained earnings to average equity (ytd only) | 2.2218% | 4,780 |
| Net charge-offs to loans | 0.0970% | 2,702 |
| Credit loss provision to net charge-offs | 63.2530% | 2,591 |
| Earnings coverage of net charge-offs (x) | 13.2410% | 1,986 |
| Efficiency ratio | 77.6431% | 2,344 |
| Assets per employee ($millions) | 3.3331% | 5,191 |
| Cash dividends to net income (ytd only)* | 61.3915% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 5,361 |
| Loan loss allowance to noncurrent loans | 420.3659% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 4,841 |
| Noncurrent loans to loans | 0.2374% | 5,280 |
| Net loans and leases to total assets | 68.4086% | 2,345 |
| Net loans and leases to deposits | 83.4324% | 2,097 |
| Net loans and leases to core deposits | 91.9030% | 1,947 |
| Total domestic deposits to total assets | 81.9928% | 4,654 |
| Equity capital to assets | 10.2782% | 3,721 |
| Core capital (leverage) ratio | 9.5177% | 4,309 |
| Tier 1 risk-based capital ratio | 11.3941% | 5,856 |
| Total risk-based capital ratio | 12.7661% | 5,750 |
| Memoranda: | ||
| Average total assets | $498,351,670 | 1,346 |
| Average earning assets | $457,326,670 | 1,342 |
| Average equity | $50,949,330 | 1,425 |
| Average total loans | $342,214,670 | 1,285 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6582% | 4,982 |
| Cost of funding earning assets | 0.3739% | 4,266 |
| Net interest margin | 3.2843% | 4,607 |
| Noninterest income to average assets | 0.9374% | 1,288 |
| Noninterest expense to average assets | 3.1273% | 2,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5553% | 4,431 |
| Return on assets (ROA) | 0.5957% | 4,297 |
| Pretax return on assets | 0.8779% | 3,793 |
| Return on Equity (ROE) | 5.8426% | 4,105 |
| Retained earnings to average equity (ytd only) | 2.2945% | 4,686 |
| Net charge-offs to loans | 0.1726% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.9252% | 2,179 |
| Efficiency ratio | 78.5249% | 2,407 |
| Assets per employee ($millions) | 3.3521% | 5,253 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 5,482 |
| Loan loss allowance to noncurrent loans | 392.1820% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 4,579 |
| Noncurrent loans to loans | 0.2572% | 5,334 |
| Net loans and leases to total assets | 67.8594% | 2,243 |
| Net loans and leases to deposits | 79.0237% | 2,425 |
| Net loans and leases to core deposits | 86.9617% | 2,199 |
| Total domestic deposits to total assets | 85.8722% | 3,430 |
| Equity capital to assets | 10.4619% | 3,282 |
| Core capital (leverage) ratio | 9.6438% | 4,073 |
| Tier 1 risk-based capital ratio | 11.7226% | 5,802 |
| Total risk-based capital ratio | 13.0993% | 5,666 |
| Memoranda: | ||
| Average total assets | $497,546,500 | 1,360 |
| Average earning assets | $455,745,000 | 1,357 |
| Average equity | $50,730,500 | 1,427 |
| Average total loans | $340,590,000 | 1,287 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 4,935 |
| Cost of funding earning assets | 0.4159% | 4,471 |
| Net interest margin | 3.3468% | 4,491 |
| Noninterest income to average assets | 1.4149% | 703 |
| Noninterest expense to average assets | 3.3459% | 2,014 |
| Loan and lease loss provision to assets | 0.1179% | 2,844 |
| Net operating income to assets | 0.6678% | 3,948 |
| Return on assets (ROA) | 0.7533% | 3,625 |
| Pretax return on assets | 1.1694% | 2,693 |
| Return on Equity (ROE) | 7.1575% | 3,487 |
| Retained earnings to average equity (ytd only) | 1.8161% | 4,943 |
| Net charge-offs to loans | 0.0804% | 4,093 |
| Credit loss provision to net charge-offs | 224.6032% | 1,016 |
| Earnings coverage of net charge-offs (x) | 21.9841% | 1,471 |
| Efficiency ratio | 73.7008% | 3,180 |
| Assets per employee ($millions) | 3.3712% | 5,156 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 5,522 |
| Loan loss allowance to noncurrent loans | 285.6678% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 4,671 |
| Noncurrent loans to loans | 0.3529% | 5,128 |
| Net loans and leases to total assets | 67.6721% | 2,412 |
| Net loans and leases to deposits | 82.8830% | 2,081 |
| Net loans and leases to core deposits | 90.9432% | 1,914 |
| Total domestic deposits to total assets | 81.6478% | 4,990 |
| Equity capital to assets | 9.9424% | 3,847 |
| Core capital (leverage) ratio | 9.4914% | 4,286 |
| Tier 1 risk-based capital ratio | 11.3461% | 5,996 |
| Total risk-based capital ratio | 12.7639% | 5,839 |
| Memoranda: | ||
| Average total assets | $480,262,200 | 1,382 |
| Average earning assets | $442,626,800 | 1,372 |
| Average equity | $50,548,400 | 1,403 |
| Average total loans | $313,278,400 | 1,351 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7619% | 4,994 |
| Cost of funding earning assets | 0.4307% | 4,500 |
| Net interest margin | 3.3312% | 4,527 |
| Noninterest income to average assets | 1.4058% | 741 |
| Noninterest expense to average assets | 3.4247% | 1,767 |
| Loan and lease loss provision to assets | 0.1102% | 2,932 |
| Net operating income to assets | 0.6128% | 4,298 |
| Return on assets (ROA) | 0.7060% | 3,961 |
| Pretax return on assets | 1.0924% | 3,145 |
| Return on Equity (ROE) | 6.6094% | 3,866 |
| Retained earnings to average equity (ytd only) | 3.7071% | 4,060 |
| Net charge-offs to loans | 0.0967% | 3,587 |
| Credit loss provision to net charge-offs | 176.9231% | 1,363 |
| Earnings coverage of net charge-offs (x) | 17.0045% | 1,761 |
| Efficiency ratio | 75.7056% | 2,771 |
| Assets per employee ($millions) | 3.1694% | 5,562 |
| Cash dividends to net income (ytd only)* | 43.9121% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 5,622 |
| Loan loss allowance to noncurrent loans | 178.3669% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 4,904 |
| Noncurrent loans to loans | 0.5740% | 4,767 |
| Net loans and leases to total assets | 66.2015% | 2,603 |
| Net loans and leases to deposits | 83.3632% | 1,956 |
| Net loans and leases to core deposits | 90.6746% | 1,906 |
| Total domestic deposits to total assets | 79.4133% | 5,647 |
| Equity capital to assets | 10.4589% | 3,330 |
| Core capital (leverage) ratio | 9.4511% | 4,475 |
| Tier 1 risk-based capital ratio | 12.1630% | 5,675 |
| Total risk-based capital ratio | 13.6140% | 5,472 |
| Memoranda: | ||
| Average total assets | $473,066,750 | 1,411 |
| Average earning assets | $437,112,500 | 1,396 |
| Average equity | $50,532,750 | 1,414 |
| Average total loans | $304,600,750 | 1,390 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 5,181 |
| Cost of funding earning assets | 0.4462% | 4,468 |
| Net interest margin | 3.2412% | 4,802 |
| Noninterest income to average assets | 1.5049% | 689 |
| Noninterest expense to average assets | 3.5028% | 1,600 |
| Loan and lease loss provision to assets | 0.1178% | 2,853 |
| Net operating income to assets | 0.5701% | 4,451 |
| Return on assets (ROA) | 0.7096% | 3,928 |
| Pretax return on assets | 1.1045% | 3,082 |
| Return on Equity (ROE) | 6.5950% | 3,832 |
| Retained earnings to average equity (ytd only) | 3.8089% | 3,878 |
| Net charge-offs to loans | 0.0506% | 3,964 |
| Credit loss provision to net charge-offs | 366.6667% | 705 |
| Earnings coverage of net charge-offs (x) | 31.2667% | 1,116 |
| Efficiency ratio | 77.0429% | 2,615 |
| Assets per employee ($millions) | 3.0879% | 5,705 |
| Cash dividends to net income (ytd only)* | 42.2450% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 5,531 |
| Loan loss allowance to noncurrent loans | 153.2280% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 4,741 |
| Noncurrent loans to loans | 0.7029% | 4,533 |
| Net loans and leases to total assets | 65.9775% | 2,600 |
| Net loans and leases to deposits | 80.4558% | 2,264 |
| Net loans and leases to core deposits | 85.6431% | 2,368 |
| Total domestic deposits to total assets | 82.0046% | 5,060 |
| Equity capital to assets | 10.7546% | 2,995 |
| Core capital (leverage) ratio | 9.9492% | 3,589 |
| Tier 1 risk-based capital ratio | 12.6544% | 5,389 |
| Total risk-based capital ratio | 14.1669% | 5,146 |
| Memoranda: | ||
| Average total assets | $467,004,000 | 1,423 |
| Average earning assets | $432,561,330 | 1,413 |
| Average equity | $50,250,330 | 1,423 |
| Average total loans | $296,607,000 | 1,422 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6668% | 5,263 |
| Cost of funding earning assets | 0.4759% | 4,320 |
| Net interest margin | 3.1909% | 4,956 |
| Noninterest income to average assets | 1.4870% | 700 |
| Noninterest expense to average assets | 3.5478% | 1,531 |
| Loan and lease loss provision to assets | 0.0431% | 3,881 |
| Net operating income to assets | 0.5473% | 4,464 |
| Return on assets (ROA) | 0.6961% | 3,850 |
| Pretax return on assets | 1.0864% | 3,012 |
| Return on Equity (ROE) | 6.4678% | 3,781 |
| Retained earnings to average equity (ytd only) | 3.6662% | 4,038 |
| Net charge-offs to loans | 0.0028% | 4,115 |
| Credit loss provision to net charge-offs | 2,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 520.5000% | 64 |
| Efficiency ratio | 79.8217% | 2,360 |
| Assets per employee ($millions) | 3.0438% | 5,902 |
| Cash dividends to net income (ytd only)* | 43.3168% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,547 |
| Loan loss allowance to noncurrent loans | 136.7356% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 4,772 |
| Noncurrent loans to loans | 0.8149% | 4,490 |
| Net loans and leases to total assets | 61.7833% | 3,110 |
| Net loans and leases to deposits | 72.2732% | 3,147 |
| Net loans and leases to core deposits | 77.2016% | 3,178 |
| Total domestic deposits to total assets | 85.4857% | 3,807 |
| Equity capital to assets | 10.8294% | 3,170 |
| Core capital (leverage) ratio | 9.8647% | 3,583 |
| Tier 1 risk-based capital ratio | 13.1663% | 5,092 |
| Total risk-based capital ratio | 14.6900% | 4,871 |
| Memoranda: | ||
| Average total assets | $464,281,500 | 1,443 |
| Average earning assets | $430,349,000 | 1,429 |
| Average equity | $49,970,500 | 1,457 |
| Average total loans | $287,358,500 | 1,478 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 3,567 |
| Cost of funding earning assets | 0.6216% | 4,163 |
| Net interest margin | 3.8387% | 3,065 |
| Noninterest income to average assets | 2.2778% | 359 |
| Noninterest expense to average assets | 4.3166% | 670 |
| Loan and lease loss provision to assets | 0.1992% | 3,144 |
| Net operating income to assets | 0.8365% | 3,111 |
| Return on assets (ROA) | 0.8836% | 3,141 |
| Pretax return on assets | 1.3662% | 2,156 |
| Return on Equity (ROE) | 7.4486% | 3,370 |
| Retained earnings to average equity (ytd only) | 4.9937% | 2,708 |
| Net charge-offs to loans | 0.1710% | 4,009 |
| Credit loss provision to net charge-offs | 167.9389% | 1,578 |
| Earnings coverage of net charge-offs (x) | 12.5878% | 1,910 |
| Efficiency ratio | 73.8715% | 3,089 |
| Assets per employee ($millions) | 2.6597% | 6,464 |
| Cash dividends to net income (ytd only)* | 32.9577% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 5,476 |
| Loan loss allowance to noncurrent loans | 174.3396% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 5,069 |
| Noncurrent loans to loans | 0.6417% | 4,914 |
| Net loans and leases to total assets | 66.7545% | 2,412 |
| Net loans and leases to deposits | 80.5111% | 2,220 |
| Net loans and leases to core deposits | 86.4389% | 2,253 |
| Total domestic deposits to total assets | 82.9134% | 4,758 |
| Equity capital to assets | 11.0535% | 2,889 |
| Core capital (leverage) ratio | 10.1487% | 3,197 |
| Tier 1 risk-based capital ratio | 12.6240% | 5,381 |
| Total risk-based capital ratio | 14.2380% | 5,056 |
| Memoranda: | ||
| Average total assets | $331,368,400 | 1,946 |
| Average earning assets | $304,866,600 | 1,942 |
| Average equity | $39,309,600 | 1,770 |
| Average total loans | $229,855,200 | 1,776 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 3,348 |
| Cost of funding earning assets | 0.6520% | 4,178 |
| Net interest margin | 3.9147% | 2,860 |
| Noninterest income to average assets | 2.1791% | 379 |
| Noninterest expense to average assets | 4.2507% | 688 |
| Loan and lease loss provision to assets | 0.1964% | 3,122 |
| Net operating income to assets | 0.8570% | 3,183 |
| Return on assets (ROA) | 0.8882% | 3,282 |
| Pretax return on assets | 1.3831% | 2,291 |
| Return on Equity (ROE) | 7.3445% | 3,614 |
| Retained earnings to average equity (ytd only) | 5.1562% | 3,251 |
| Net charge-offs to loans | 0.2059% | 3,498 |
| Credit loss provision to net charge-offs | 136.4943% | 2,112 |
| Earnings coverage of net charge-offs (x) | 10.6379% | 2,166 |
| Efficiency ratio | 73.1798% | 3,121 |
| Assets per employee ($millions) | 2.7706% | 6,394 |
| Cash dividends to net income (ytd only)* | 29.7951% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 5,880 |
| Loan loss allowance to noncurrent loans | 157.8884% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 5,199 |
| Noncurrent loans to loans | 0.6665% | 5,114 |
| Net loans and leases to total assets | 68.1812% | 2,266 |
| Net loans and leases to deposits | 84.8198% | 1,761 |
| Net loans and leases to core deposits | 90.0784% | 1,971 |
| Total domestic deposits to total assets | 80.3835% | 5,554 |
| Equity capital to assets | 11.0008% | 3,280 |
| Core capital (leverage) ratio | 10.2630% | 3,209 |
| Tier 1 risk-based capital ratio | 12.1030% | 5,886 |
| Total risk-based capital ratio | 13.5784% | 5,723 |
| Memoranda: | ||
| Average total assets | $322,450,000 | 2,017 |
| Average earning assets | $296,723,250 | 2,012 |
| Average equity | $38,994,250 | 1,799 |
| Average total loans | $225,371,750 | 1,821 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 2,823 |
| Cost of funding earning assets | 0.6845% | 4,148 |
| Net interest margin | 4.0403% | 2,337 |
| Noninterest income to average assets | 2.0864% | 378 |
| Noninterest expense to average assets | 4.2590% | 683 |
| Loan and lease loss provision to assets | 0.2266% | 2,808 |
| Net operating income to assets | 0.8431% | 3,180 |
| Return on assets (ROA) | 0.8849% | 3,239 |
| Pretax return on assets | 1.3802% | 2,289 |
| Return on Equity (ROE) | 7.0677% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.4391% | 3,023 |
| Net charge-offs to loans | 0.2294% | 3,197 |
| Credit loss provision to net charge-offs | 140.5622% | 1,963 |
| Earnings coverage of net charge-offs (x) | 9.5622% | 2,155 |
| Efficiency ratio | 73.2924% | 3,193 |
| Assets per employee ($millions) | 2.7859% | 6,426 |
| Cash dividends to net income (ytd only)* | 23.0432% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 5,620 |
| Loan loss allowance to noncurrent loans | 161.1626% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 5,263 |
| Noncurrent loans to loans | 0.7049% | 5,098 |
| Net loans and leases to total assets | 66.1850% | 2,637 |
| Net loans and leases to deposits | 78.1779% | 2,644 |
| Net loans and leases to core deposits | 82.6409% | 2,876 |
| Total domestic deposits to total assets | 84.6595% | 4,027 |
| Equity capital to assets | 11.4712% | 2,619 |
| Core capital (leverage) ratio | 10.7949% | 2,485 |
| Tier 1 risk-based capital ratio | 12.9018% | 5,256 |
| Total risk-based capital ratio | 14.4245% | 5,035 |
| Memoranda: | ||
| Average total assets | $308,948,330 | 2,104 |
| Average earning assets | $283,990,000 | 2,101 |
| Average equity | $38,683,000 | 1,800 |
| Average total loans | $217,129,330 | 1,877 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 1,738 |
| Cost of funding earning assets | 0.7268% | 4,055 |
| Net interest margin | 4.3172% | 1,416 |
| Noninterest income to average assets | 2.2007% | 349 |
| Noninterest expense to average assets | 4.6054% | 502 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9819% | 2,550 |
| Return on assets (ROA) | 0.9819% | 2,752 |
| Pretax return on assets | 1.5571% | 1,719 |
| Return on Equity (ROE) | 7.4745% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.1907% | 4,076 |
| Net charge-offs to loans | -0.0076% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7333% | 2,987 |
| Assets per employee ($millions) | 2.5606% | 6,791 |
| Cash dividends to net income (ytd only)* | 43.9331% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 5,525 |
| Loan loss allowance to noncurrent loans | 293.7939% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 5,346 |
| Noncurrent loans to loans | 0.4055% | 5,861 |
| Net loans and leases to total assets | 70.6608% | 1,641 |
| Net loans and leases to deposits | 86.5297% | 1,352 |
| Net loans and leases to core deposits | 92.8570% | 1,563 |
| Total domestic deposits to total assets | 81.6607% | 5,405 |
| Equity capital to assets | 13.2059% | 1,355 |
| Core capital (leverage) ratio | 12.6175% | 1,284 |
| Tier 1 risk-based capital ratio | 14.5588% | 4,055 |
| Total risk-based capital ratio | 16.1343% | 3,803 |
| Memoranda: | ||
| Average total assets | $292,089,000 | 2,228 |
| Average earning assets | $268,041,500 | 2,220 |
| Average equity | $38,370,500 | 1,809 |
| Average total loans | $210,994,000 | 1,939 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 2,243 |
| Cost of funding earning assets | 0.8189% | 4,713 |
| Net interest margin | 4.3337% | 1,594 |
| Noninterest income to average assets | 1.1971% | 924 |
| Noninterest expense to average assets | 3.8136% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8753% | 2,717 |
| Return on assets (ROA) | 0.9211% | 2,636 |
| Pretax return on assets | 1.4094% | 1,752 |
| Return on Equity (ROE) | 7.4203% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.4649% | 1,758 |
| Net charge-offs to loans | -0.0061% | 6,850 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0131% | 3,238 |
| Assets per employee ($millions) | 2.6337% | 6,680 |
| Cash dividends to net income (ytd only)* | 12.8755% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 5,466 |
| Loan loss allowance to noncurrent loans | 269.3548% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 5,345 |
| Noncurrent loans to loans | 0.4399% | 5,829 |
| Net loans and leases to total assets | 72.1068% | 1,631 |
| Net loans and leases to deposits | 88.0611% | 1,372 |
| Net loans and leases to core deposits | 97.4384% | 1,373 |
| Total domestic deposits to total assets | 81.8827% | 5,170 |
| Equity capital to assets | 13.0661% | 1,455 |
| Core capital (leverage) ratio | 12.8755% | 1,189 |
| Tier 1 risk-based capital ratio | 14.3609% | 4,071 |
| Total risk-based capital ratio | 15.8466% | 3,886 |
| Memoranda: | ||
| Average total assets | $278,265,200 | 2,281 |
| Average earning assets | $253,988,600 | 2,277 |
| Average equity | $34,540,600 | 1,942 |
| Average total loans | $196,820,600 | 2,070 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1258% | 2,488 |
| Cost of funding earning assets | 0.8203% | 5,006 |
| Net interest margin | 4.3055% | 1,693 |
| Noninterest income to average assets | 1.0767% | 1,157 |
| Noninterest expense to average assets | 3.6406% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8867% | 2,790 |
| Return on assets (ROA) | 0.9484% | 2,704 |
| Pretax return on assets | 1.4592% | 1,760 |
| Return on Equity (ROE) | 7.7477% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.7477% | 1,607 |
| Net charge-offs to loans | -0.0483% | 7,045 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7413% | 3,416 |
| Assets per employee ($millions) | 2.7724% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 5,298 |
| Loan loss allowance to noncurrent loans | 305.4827% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 5,361 |
| Noncurrent loans to loans | 0.4063% | 6,040 |
| Net loans and leases to total assets | 71.4158% | 1,832 |
| Net loans and leases to deposits | 88.6977% | 1,356 |
| Net loans and leases to core deposits | 100.4265% | 1,205 |
| Total domestic deposits to total assets | 80.5159% | 5,594 |
| Equity capital to assets | 13.1046% | 1,561 |
| Core capital (leverage) ratio | 13.2503% | 1,127 |
| Tier 1 risk-based capital ratio | 14.2853% | 4,137 |
| Total risk-based capital ratio | 15.7631% | 3,944 |
| Memoranda: | ||
| Average total assets | $275,403,500 | 2,315 |
| Average earning assets | $251,270,000 | 2,306 |
| Average equity | $33,712,250 | 1,981 |
| Average total loans | $193,174,000 | 2,127 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 2,499 |
| Cost of funding earning assets | 0.8373% | 5,143 |
| Net interest margin | 4.3048% | 1,636 |
| Noninterest income to average assets | 1.0712% | 1,150 |
| Noninterest expense to average assets | 3.6417% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8791% | 2,740 |
| Return on assets (ROA) | 0.9727% | 2,446 |
| Pretax return on assets | 1.5014% | 1,527 |
| Return on Equity (ROE) | 8.1476% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.1476% | 1,409 |
| Net charge-offs to loans | -0.0922% | 7,146 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8489% | 3,575 |
| Assets per employee ($millions) | 2.6535% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 4,966 |
| Loan loss allowance to noncurrent loans | 325.3468% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 5,539 |
| Noncurrent loans to loans | 0.4060% | 6,091 |
| Net loans and leases to total assets | 69.8497% | 2,246 |
| Net loans and leases to deposits | 88.0278% | 1,495 |
| Net loans and leases to core deposits | 97.5057% | 1,536 |
| Total domestic deposits to total assets | 79.3496% | 5,993 |
| Equity capital to assets | 12.0687% | 2,049 |
| Core capital (leverage) ratio | 11.6563% | 1,805 |
| Tier 1 risk-based capital ratio | 12.5193% | 5,327 |
| Total risk-based capital ratio | 14.1924% | 4,943 |
| Memoranda: | ||
| Average total assets | $272,019,330 | 2,351 |
| Average earning assets | $248,190,670 | 2,347 |
| Average equity | $32,476,000 | 2,031 |
| Average total loans | $188,733,670 | 2,186 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1157% | 2,577 |
| Cost of funding earning assets | 0.8960% | 4,954 |
| Net interest margin | 4.2197% | 1,837 |
| Noninterest income to average assets | 1.1598% | 962 |
| Noninterest expense to average assets | 3.8334% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7610% | 3,215 |
| Return on assets (ROA) | 0.9035% | 2,609 |
| Pretax return on assets | 1.3894% | 1,750 |
| Return on Equity (ROE) | 7.6104% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.6104% | 1,883 |
| Net charge-offs to loans | -0.1661% | 7,221 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6134% | 3,049 |
| Assets per employee ($millions) | 2.5617% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 4,666 |
| Loan loss allowance to noncurrent loans | 443.8687% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 5,531 |
| Noncurrent loans to loans | 0.3154% | 6,361 |
| Net loans and leases to total assets | 66.6642% | 2,841 |
| Net loans and leases to deposits | 79.8692% | 2,742 |
| Net loans and leases to core deposits | 86.9322% | 2,744 |
| Total domestic deposits to total assets | 83.4667% | 4,709 |
| Equity capital to assets | 11.9921% | 1,918 |
| Core capital (leverage) ratio | 11.3879% | 1,915 |
| Tier 1 risk-based capital ratio | 12.6995% | 5,066 |
| Total risk-based capital ratio | 14.3933% | 4,698 |
| Memoranda: | ||
| Average total assets | $270,048,500 | 2,389 |
| Average earning assets | $245,990,000 | 2,390 |
| Average equity | $32,061,500 | 2,043 |
| Average total loans | $185,431,500 | 2,246 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3820% | 2,761 |
| Cost of funding earning assets | 1.2777% | 4,035 |
| Net interest margin | 4.1042% | 2,542 |
| Noninterest income to average assets | 1.4851% | 660 |
| Noninterest expense to average assets | 3.8914% | 1,330 |
| Loan and lease loss provision to assets | 0.2284% | 4,992 |
| Net operating income to assets | 0.7944% | 2,831 |
| Return on assets (ROA) | 0.7640% | 3,064 |
| Pretax return on assets | 1.1080% | 2,543 |
| Return on Equity (ROE) | 7.2905% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.2905% | 1,208 |
| Net charge-offs to loans | 0.1886% | 5,170 |
| Credit loss provision to net charge-offs | 179.2507% | 1,845 |
| Earnings coverage of net charge-offs (x) | 10.8357% | 1,666 |
| Efficiency ratio | 73.8143% | 3,439 |
| Assets per employee ($millions) | 2.6590% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 4,847 |
| Loan loss allowance to noncurrent loans | 611.0294% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 5,430 |
| Noncurrent loans to loans | 0.2179% | 6,630 |
| Net loans and leases to total assets | 68.8047% | 2,787 |
| Net loans and leases to deposits | 85.5310% | 2,176 |
| Net loans and leases to core deposits | 94.4326% | 2,208 |
| Total domestic deposits to total assets | 80.4442% | 5,707 |
| Equity capital to assets | 11.7516% | 2,083 |
| Core capital (leverage) ratio | 10.9743% | 2,179 |
| Tier 1 risk-based capital ratio | 12.4741% | 5,043 |
| Total risk-based capital ratio | 14.0588% | 4,732 |
| Memoranda: | ||
| Average total assets | $272,371,000 | 2,342 |
| Average earning assets | $251,302,400 | 2,328 |
| Average equity | $28,543,800 | 2,275 |
| Average total loans | $184,028,200 | 2,309 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 3,126 |
| Cost of funding earning assets | 1.3258% | 4,069 |
| Net interest margin | 4.0227% | 2,998 |
| Noninterest income to average assets | 1.2810% | 839 |
| Noninterest expense to average assets | 3.7820% | 1,404 |
| Loan and lease loss provision to assets | 0.2854% | 4,287 |
| Net operating income to assets | 0.6775% | 3,516 |
| Return on assets (ROA) | 0.6346% | 3,894 |
| Pretax return on assets | 0.8766% | 3,635 |
| Return on Equity (ROE) | 6.2419% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.2419% | 2,237 |
| Net charge-offs to loans | 0.1841% | 4,849 |
| Credit loss provision to net charge-offs | 231.2253% | 1,480 |
| Earnings coverage of net charge-offs (x) | 9.8974% | 1,947 |
| Efficiency ratio | 75.5874% | 3,021 |
| Assets per employee ($millions) | 2.5699% | 6,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 4,652 |
| Loan loss allowance to noncurrent loans | 122.4784% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 4,960 |
| Noncurrent loans to loans | 1.1125% | 5,019 |
| Net loans and leases to total assets | 67.7648% | 3,278 |
| Net loans and leases to deposits | 85.1456% | 2,493 |
| Net loans and leases to core deposits | 93.7941% | 2,552 |
| Total domestic deposits to total assets | 79.5869% | 5,838 |
| Equity capital to assets | 11.3761% | 2,624 |
| Core capital (leverage) ratio | 10.8043% | 2,407 |
| Tier 1 risk-based capital ratio | 12.3062% | 5,177 |
| Total risk-based capital ratio | 13.8931% | 4,844 |
| Memoranda: | ||
| Average total assets | $273,323,750 | 2,364 |
| Average earning assets | $252,922,500 | 2,345 |
| Average equity | $27,789,750 | 2,356 |
| Average total loans | $183,216,500 | 2,353 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 3,669 |
| Cost of funding earning assets | 1.3453% | 4,216 |
| Net interest margin | 3.9125% | 3,390 |
| Noninterest income to average assets | 0.9407% | 1,541 |
| Noninterest expense to average assets | 3.6802% | 1,594 |
| Loan and lease loss provision to assets | 0.2193% | 4,699 |
| Net operating income to assets | 0.5280% | 4,207 |
| Return on assets (ROA) | 0.4693% | 4,627 |
| Pretax return on assets | 0.6052% | 4,553 |
| Return on Equity (ROE) | 4.8048% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.8048% | 3,008 |
| Net charge-offs to loans | 0.1473% | 4,757 |
| Credit loss provision to net charge-offs | 223.8806% | 1,733 |
| Earnings coverage of net charge-offs (x) | 9.1866% | 2,045 |
| Efficiency ratio | 80.3543% | 2,397 |
| Assets per employee ($millions) | 2.7320% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 5,056 |
| Loan loss allowance to noncurrent loans | 108.9580% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.1126% | 4,909 |
| Noncurrent loans to loans | 1.1711% | 4,995 |
| Net loans and leases to total assets | 66.8424% | 3,652 |
| Net loans and leases to deposits | 82.6445% | 3,151 |
| Net loans and leases to core deposits | 89.7667% | 3,309 |
| Total domestic deposits to total assets | 80.8795% | 5,441 |
| Equity capital to assets | 9.8426% | 4,212 |
| Core capital (leverage) ratio | 9.6006% | 3,676 |
| Tier 1 risk-based capital ratio | 10.4967% | 6,687 |
| Total risk-based capital ratio | 11.9434% | 6,524 |
| Memoranda: | ||
| Average total assets | $273,627,330 | 2,383 |
| Average earning assets | $254,519,670 | 2,355 |
| Average equity | $26,723,000 | 2,429 |
| Average total loans | $181,905,330 | 2,404 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1257% | 4,414 |
| Cost of funding earning assets | 1.4035% | 4,146 |
| Net interest margin | 3.7222% | 4,139 |
| Noninterest income to average assets | 1.1906% | 859 |
| Noninterest expense to average assets | 3.7684% | 1,372 |
| Loan and lease loss provision to assets | 0.1615% | 4,914 |
| Net operating income to assets | 0.5740% | 4,015 |
| Return on assets (ROA) | 0.4742% | 4,645 |
| Pretax return on assets | 0.5931% | 4,634 |
| Return on Equity (ROE) | 4.8746% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.8746% | 3,221 |
| Net charge-offs to loans | 0.0914% | 4,503 |
| Credit loss provision to net charge-offs | 268.2927% | 1,473 |
| Earnings coverage of net charge-offs (x) | 14.6098% | 1,420 |
| Efficiency ratio | 81.0802% | 2,402 |
| Assets per employee ($millions) | 2.5245% | 7,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 5,065 |
| Loan loss allowance to noncurrent loans | 97.0713% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.2612% | 4,652 |
| Noncurrent loans to loans | 1.3136% | 4,786 |
| Net loans and leases to total assets | 66.1697% | 3,813 |
| Net loans and leases to deposits | 81.1366% | 3,438 |
| Net loans and leases to core deposits | 86.2839% | 3,853 |
| Total domestic deposits to total assets | 81.5534% | 5,249 |
| Equity capital to assets | 10.0075% | 3,865 |
| Core capital (leverage) ratio | 9.4985% | 3,775 |
| Tier 1 risk-based capital ratio | 10.7097% | 6,430 |
| Total risk-based capital ratio | 12.2728% | 6,104 |
| Memoranda: | ||
| Average total assets | $272,474,000 | 2,452 |
| Average earning assets | $253,077,000 | 2,414 |
| Average equity | $26,505,000 | 2,465 |
| Average total loans | $179,445,500 | 2,492 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4180% | 4,602 |
| Cost of funding earning assets | 1.7722% | 4,140 |
| Net interest margin | 3.6458% | 4,366 |
| Noninterest income to average assets | 1.6207% | 551 |
| Noninterest expense to average assets | 3.5827% | 2,191 |
| Loan and lease loss provision to assets | 0.9749% | 2,316 |
| Net operating income to assets | 0.4595% | 3,892 |
| Return on assets (ROA) | 0.3771% | 4,323 |
| Pretax return on assets | 0.3706% | 4,577 |
| Return on Equity (ROE) | 4.1490% | 4,024 |
| Retained earnings to average equity (ytd only) | 4.1490% | 2,311 |
| Net charge-offs to loans | 1.7650% | 1,417 |
| Credit loss provision to net charge-offs | 84.0284% | 6,189 |
| Earnings coverage of net charge-offs (x) | 1.2307% | 4,892 |
| Efficiency ratio | 71.5039% | 4,349 |
| Assets per employee ($millions) | 2.6165% | 7,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 5,140 |
| Loan loss allowance to noncurrent loans | 84.1746% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2371% | 4,621 |
| Noncurrent loans to loans | 1.4677% | 4,463 |
| Net loans and leases to total assets | 63.9327% | 4,615 |
| Net loans and leases to deposits | 78.7770% | 4,217 |
| Net loans and leases to core deposits | 88.7188% | 5,250 |
| Total domestic deposits to total assets | 81.1565% | 5,289 |
| Equity capital to assets | 9.4574% | 4,480 |
| Core capital (leverage) ratio | 9.0994% | 4,267 |
| Tier 1 risk-based capital ratio | 10.8757% | 6,034 |
| Total risk-based capital ratio | 12.3943% | 5,740 |
| Memoranda: | ||
| Average total assets | $291,425,600 | 2,271 |
| Average earning assets | $270,966,600 | 2,230 |
| Average equity | $26,488,600 | 2,490 |
| Average total loans | $191,554,800 | 2,388 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4679% | 4,586 |
| Cost of funding earning assets | 1.8404% | 4,198 |
| Net interest margin | 3.6274% | 4,387 |
| Noninterest income to average assets | 1.5758% | 592 |
| Noninterest expense to average assets | 3.6842% | 1,861 |
| Loan and lease loss provision to assets | 0.6564% | 2,779 |
| Net operating income to assets | 0.5230% | 3,888 |
| Return on assets (ROA) | 0.4674% | 4,228 |
| Pretax return on assets | 0.5438% | 4,383 |
| Return on Equity (ROE) | 5.1919% | 3,881 |
| Retained earnings to average equity (ytd only) | 5.1919% | 2,379 |
| Net charge-offs to loans | 0.4996% | 3,224 |
| Credit loss provision to net charge-offs | 199.1770% | 2,251 |
| Earnings coverage of net charge-offs (x) | 3.8381% | 3,368 |
| Efficiency ratio | 74.4428% | 3,794 |
| Assets per employee ($millions) | 2.5346% | 7,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 2,101 |
| Loan loss allowance to noncurrent loans | 44.3496% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 3.0756% | 2,236 |
| Noncurrent loans to loans | 4.2184% | 1,708 |
| Net loans and leases to total assets | 66.7010% | 4,258 |
| Net loans and leases to deposits | 86.1079% | 3,298 |
| Net loans and leases to core deposits | 97.3527% | 4,675 |
| Total domestic deposits to total assets | 77.4621% | 6,226 |
| Equity capital to assets | 9.5698% | 4,653 |
| Core capital (leverage) ratio | 8.9737% | 4,688 |
| Tier 1 risk-based capital ratio | 10.6179% | 6,324 |
| Total risk-based capital ratio | 12.2409% | 5,929 |
| Memoranda: | ||
| Average total assets | $294,945,000 | 2,265 |
| Average earning assets | $274,275,250 | 2,232 |
| Average equity | $26,553,250 | 2,501 |
| Average total loans | $194,560,000 | 2,379 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5832% | 4,155 |
| Cost of funding earning assets | 1.7520% | 4,996 |
| Net interest margin | 3.8312% | 3,410 |
| Noninterest income to average assets | 2.0740% | 345 |
| Noninterest expense to average assets | 4.0260% | 1,280 |
| Loan and lease loss provision to assets | 0.9142% | 1,848 |
| Net operating income to assets | 0.5200% | 4,020 |
| Return on assets (ROA) | 0.5413% | 4,039 |
| Pretax return on assets | 0.7150% | 3,951 |
| Return on Equity (ROE) | 5.8545% | 3,720 |
| Retained earnings to average equity (ytd only) | 5.8545% | 2,091 |
| Net charge-offs to loans | 0.4952% | 2,847 |
| Credit loss provision to net charge-offs | 261.1529% | 1,784 |
| Earnings coverage of net charge-offs (x) | 4.5739% | 3,061 |
| Efficiency ratio | 71.5466% | 4,495 |
| Assets per employee ($millions) | 3.2195% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 2,697 |
| Loan loss allowance to noncurrent loans | 56.6118% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.1522% | 2,995 |
| Noncurrent loans to loans | 2.8428% | 2,534 |
| Net loans and leases to total assets | 69.8918% | 3,729 |
| Net loans and leases to deposits | 86.1992% | 3,515 |
| Net loans and leases to core deposits | 95.0056% | 5,004 |
| Total domestic deposits to total assets | 81.0817% | 5,048 |
| Equity capital to assets | 9.4471% | 4,680 |
| Core capital (leverage) ratio | 9.1222% | 4,425 |
| Tier 1 risk-based capital ratio | 10.6029% | 6,288 |
| Total risk-based capital ratio | 12.3627% | 5,682 |
| Memoranda: | ||
| Average total assets | $227,969,000 | 2,882 |
| Average earning assets | $211,420,330 | 2,849 |
| Average equity | $21,077,670 | 3,090 |
| Average total loans | $161,135,330 | 2,796 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6589% | 4,003 |
| Cost of funding earning assets | 1.8423% | 4,910 |
| Net interest margin | 3.8166% | 3,382 |
| Noninterest income to average assets | 1.8881% | 396 |
| Noninterest expense to average assets | 4.0097% | 1,173 |
| Loan and lease loss provision to assets | 0.3893% | 2,993 |
| Net operating income to assets | 0.7456% | 3,368 |
| Return on assets (ROA) | 0.6565% | 3,948 |
| Pretax return on assets | 0.8971% | 3,726 |
| Return on Equity (ROE) | 7.1805% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.1805% | 2,143 |
| Net charge-offs to loans | 0.3012% | 2,903 |
| Credit loss provision to net charge-offs | 183.3333% | 2,371 |
| Earnings coverage of net charge-offs (x) | 6.6333% | 2,463 |
| Efficiency ratio | 74.0039% | 3,821 |
| Assets per employee ($millions) | 4.1813% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 4,160 |
| Loan loss allowance to noncurrent loans | 81.1633% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.3745% | 3,899 |
| Noncurrent loans to loans | 1.5830% | 3,901 |
| Net loans and leases to total assets | 70.3954% | 3,593 |
| Net loans and leases to deposits | 84.4306% | 3,908 |
| Net loans and leases to core deposits | 96.9326% | 4,854 |
| Total domestic deposits to total assets | 83.3766% | 3,960 |
| Equity capital to assets | 8.8028% | 5,620 |
| Core capital (leverage) ratio | 9.4461% | 4,049 |
| Tier 1 risk-based capital ratio | 10.5502% | 6,342 |
| Total risk-based capital ratio | 11.9299% | 6,117 |
| Memoranda: | ||
| Average total assets | $226,050,000 | 2,916 |
| Average earning assets | $209,086,500 | 2,894 |
| Average equity | $20,667,000 | 3,156 |
| Average total loans | $159,371,000 | 2,859 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7837% | 6,491 |
| Cost of funding earning assets | 2.6070% | 3,654 |
| Net interest margin | 3.1767% | 6,442 |
| Noninterest income to average assets | 0.9718% | 1,684 |
| Noninterest expense to average assets | 3.1605% | 3,478 |
| Loan and lease loss provision to assets | 0.1006% | 6,093 |
| Net operating income to assets | 0.5049% | 4,710 |
| Return on assets (ROA) | 0.5286% | 4,477 |
| Pretax return on assets | 0.6614% | 4,513 |
| Return on Equity (ROE) | 5.4165% | 4,193 |
| Retained earnings to average equity (ytd only) | 1.0663% | 4,584 |
| Net charge-offs to loans | 0.1095% | 5,185 |
| Credit loss provision to net charge-offs | 135.0877% | 3,947 |
| Earnings coverage of net charge-offs (x) | 9.8363% | 2,624 |
| Efficiency ratio | 81.1878% | 2,413 |
| Assets per employee ($millions) | 3.8298% | 3,902 |
| Cash dividends to net income (ytd only)* | 80.3130% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 3,804 |
| Loan loss allowance to noncurrent loans | 72.1164% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.4856% | 3,251 |
| Noncurrent loans to loans | 1.7984% | 3,062 |
| Net loans and leases to total assets | 68.7614% | 4,308 |
| Net loans and leases to deposits | 87.2316% | 3,906 |
| Net loans and leases to core deposits | 96.4999% | 5,209 |
| Total domestic deposits to total assets | 78.8263% | 5,442 |
| Equity capital to assets | 9.4945% | 4,703 |
| Core capital (leverage) ratio | 9.3316% | 4,254 |
| Tier 1 risk-based capital ratio | 11.2100% | 5,531 |
| Total risk-based capital ratio | 12.8602% | 5,036 |
| Memoranda: | ||
| Average total assets | $229,676,600 | 2,767 |
| Average earning assets | $211,197,000 | 2,760 |
| Average equity | $22,413,000 | 2,922 |
| Average total loans | $156,212,200 | 2,831 |