Home > Town & Country Bank > Performance and Condition Ratios
Town & Country Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 2,801 |
| Cost of funding earning assets | 0.8317% | 3,659 |
| Net interest margin | 3.8084% | 1,553 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.7378% | 1,650 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5560% | 927 |
| Return on assets (ROA) | 1.5560% | 897 |
| Pretax return on assets | 1.5560% | 1,318 |
| Return on Equity (ROE) | 18.9600% | 713 |
| Retained earnings to average equity (ytd only) | 8.8723% | 1,286 |
| Net charge-offs to loans | 0.0368% | 1,571 |
| Credit loss provision to net charge-offs | 234.3949% | 1,117 |
| Earnings coverage of net charge-offs (x) | 68.5987% | 1,104 |
| Efficiency ratio | 62.9324% | 2,733 |
| Assets per employee ($millions) | 4.5586% | 3,920 |
| Cash dividends to net income (ytd only)* | 53.1948% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 1,765 |
| Loan loss allowance to noncurrent loans | 578.8187% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 2,522 |
| Noncurrent loans to loans | 0.2247% | 2,419 |
| Net loans and leases to total assets | 64.8200% | 2,385 |
| Net loans and leases to deposits | 74.8837% | 2,547 |
| Net loans and leases to core deposits | 77.3012% | 2,895 |
| Total domestic deposits to total assets | 86.5600% | 1,829 |
| Equity capital to assets | 9.0189% | 2,663 |
| Core capital (leverage) ratio | 11.3608% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0489% | 686 |
| Memoranda: | ||
| Average total assets | $667,869,800 | 1,357 |
| Average earning assets | $628,824,800 | 1,324 |
| Average equity | $54,822,600 | 1,492 |
| Average total loans | $426,549,000 | 1,410 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 2,814 |
| Cost of funding earning assets | 0.7421% | 3,670 |
| Net interest margin | 3.8014% | 1,589 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.7362% | 1,577 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.5622% | 1,001 |
| Return on assets (ROA) | 1.5622% | 996 |
| Pretax return on assets | 1.5622% | 1,431 |
| Return on Equity (ROE) | 19.5100% | 773 |
| Retained earnings to average equity (ytd only) | 7.5457% | 2,127 |
| Net charge-offs to loans | 0.0126% | 1,941 |
| Credit loss provision to net charge-offs | 720.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 593 |
| Efficiency ratio | 62.8171% | 2,630 |
| Assets per employee ($millions) | 4.3722% | 4,014 |
| Cash dividends to net income (ytd only)* | 61.3253% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 1,798 |
| Loan loss allowance to noncurrent loans | 284.1530% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 1,792 |
| Noncurrent loans to loans | 0.4626% | 1,663 |
| Net loans and leases to total assets | 65.0400% | 2,340 |
| Net loans and leases to deposits | 74.0081% | 2,561 |
| Net loans and leases to core deposits | 76.0686% | 2,861 |
| Total domestic deposits to total assets | 87.8900% | 1,613 |
| Equity capital to assets | 7.5753% | 3,311 |
| Core capital (leverage) ratio | 11.1015% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7136% | 731 |
| Memoranda: | ||
| Average total assets | $668,445,500 | 1,350 |
| Average earning assets | $629,545,750 | 1,324 |
| Average equity | $53,521,750 | 1,518 |
| Average total loans | $423,909,250 | 1,406 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 2,806 |
| Cost of funding earning assets | 0.6599% | 3,601 |
| Net interest margin | 3.7711% | 1,679 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.7050% | 1,631 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.5843% | 970 |
| Return on assets (ROA) | 1.5843% | 972 |
| Pretax return on assets | 1.5843% | 1,437 |
| Return on Equity (ROE) | 19.4400% | 776 |
| Retained earnings to average equity (ytd only) | 8.8313% | 1,727 |
| Net charge-offs to loans | 0.0157% | 1,612 |
| Credit loss provision to net charge-offs | 460.6061% | 682 |
| Earnings coverage of net charge-offs (x) | 165.7273% | 701 |
| Efficiency ratio | 62.4046% | 2,659 |
| Assets per employee ($millions) | 4.3832% | 4,016 |
| Cash dividends to net income (ytd only)* | 54.5797% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 1,854 |
| Loan loss allowance to noncurrent loans | 316.1108% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 1,859 |
| Noncurrent loans to loans | 0.4166% | 1,683 |
| Net loans and leases to total assets | 63.7300% | 2,411 |
| Net loans and leases to deposits | 72.4619% | 2,613 |
| Net loans and leases to core deposits | 74.2577% | 2,866 |
| Total domestic deposits to total assets | 87.9500% | 1,617 |
| Equity capital to assets | 8.3247% | 3,003 |
| Core capital (leverage) ratio | 10.9161% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5036% | 759 |
| Memoranda: | ||
| Average total assets | $671,194,333 | 1,346 |
| Average earning assets | $632,552,333 | 1,322 |
| Average equity | $54,691,667 | 1,487 |
| Average total loans | $420,164,333 | 1,402 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 2,893 |
| Cost of funding earning assets | 0.5721% | 3,468 |
| Net interest margin | 3.6914% | 1,916 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.6399% | 1,841 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5680% | 1,040 |
| Return on assets (ROA) | 1.5680% | 1,039 |
| Pretax return on assets | 1.5680% | 1,538 |
| Return on Equity (ROE) | 19.4500% | 819 |
| Retained earnings to average equity (ytd only) | 9.5700% | 1,802 |
| Net charge-offs to loans | 0.0230% | 1,222 |
| Credit loss provision to net charge-offs | 337.5000% | 653 |
| Earnings coverage of net charge-offs (x) | 114.1250% | 726 |
| Efficiency ratio | 62.0322% | 2,694 |
| Assets per employee ($millions) | 4.5840% | 3,971 |
| Cash dividends to net income (ytd only)* | 50.7901% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 1,953 |
| Loan loss allowance to noncurrent loans | 406.0206% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 2,132 |
| Noncurrent loans to loans | 0.3250% | 1,983 |
| Net loans and leases to total assets | 60.9500% | 2,559 |
| Net loans and leases to deposits | 69.8275% | 2,624 |
| Net loans and leases to core deposits | 71.1656% | 2,872 |
| Total domestic deposits to total assets | 87.2900% | 2,165 |
| Equity capital to assets | 8.3571% | 2,999 |
| Core capital (leverage) ratio | 10.5940% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5766% | 787 |
| Memoranda: | ||
| Average total assets | $678,053,500 | 1,343 |
| Average earning assets | $639,754,000 | 1,327 |
| Average equity | $54,671,000 | 1,496 |
| Average total loans | $417,939,000 | 1,422 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 2,912 |
| Cost of funding earning assets | 0.2749% | 3,101 |
| Net interest margin | 3.2857% | 2,602 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.3779% | 2,482 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.4132% | 1,097 |
| Return on assets (ROA) | 1.4132% | 1,061 |
| Pretax return on assets | 1.4132% | 1,729 |
| Return on Equity (ROE) | 16.8100% | 891 |
| Retained earnings to average equity (ytd only) | 6.1295% | 2,599 |
| Net charge-offs to loans | 0.0172% | 1,768 |
| Credit loss provision to net charge-offs | 494.2857% | 684 |
| Earnings coverage of net charge-offs (x) | 146.8714% | 798 |
| Efficiency ratio | 61.9194% | 2,774 |
| Assets per employee ($millions) | 4.4584% | 4,062 |
| Cash dividends to net income (ytd only)* | 63.5330% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 1,836 |
| Loan loss allowance to noncurrent loans | 367.5621% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 2,059 |
| Noncurrent loans to loans | 0.3572% | 1,866 |
| Net loans and leases to total assets | 60.7000% | 2,583 |
| Net loans and leases to deposits | 69.2503% | 2,645 |
| Net loans and leases to core deposits | 70.6918% | 2,825 |
| Total domestic deposits to total assets | 87.6600% | 2,190 |
| Equity capital to assets | 7.7684% | 3,210 |
| Core capital (leverage) ratio | 10.2314% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0716% | 819 |
| Memoranda: | ||
| Average total assets | $703,022,000 | 1,305 |
| Average earning assets | $664,598,400 | 1,283 |
| Average equity | $59,107,400 | 1,419 |
| Average total loans | $406,860,400 | 1,375 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3868% | 2,948 |
| Cost of funding earning assets | 0.2272% | 2,958 |
| Net interest margin | 3.1596% | 2,744 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.3311% | 2,538 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.3415% | 1,229 |
| Return on assets (ROA) | 1.3415% | 1,211 |
| Pretax return on assets | 1.3415% | 1,914 |
| Return on Equity (ROE) | 15.6700% | 1,046 |
| Retained earnings to average equity (ytd only) | 4.4705% | 3,298 |
| Net charge-offs to loans | -0.0056% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7187% | 2,731 |
| Assets per employee ($millions) | 4.6128% | 3,969 |
| Cash dividends to net income (ytd only)* | 71.4726% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 1,889 |
| Loan loss allowance to noncurrent loans | 336.5658% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 2,047 |
| Noncurrent loans to loans | 0.3951% | 1,825 |
| Net loans and leases to total assets | 57.6700% | 2,738 |
| Net loans and leases to deposits | 65.4917% | 2,756 |
| Net loans and leases to core deposits | 67.1066% | 2,870 |
| Total domestic deposits to total assets | 88.0600% | 2,412 |
| Equity capital to assets | 7.0541% | 3,483 |
| Core capital (leverage) ratio | 9.7183% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3530% | 809 |
| Memoranda: | ||
| Average total assets | $709,358,000 | 1,307 |
| Average earning assets | $670,792,750 | 1,283 |
| Average equity | $60,723,000 | 1,411 |
| Average total loans | $404,362,750 | 1,367 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2248% | 2,971 |
| Cost of funding earning assets | 0.1967% | 2,959 |
| Net interest margin | 3.0281% | 2,802 |
| Noninterest income to average assets | 0.7316% | 1,231 |
| Noninterest expense to average assets | 2.2696% | 2,635 |
| Loan and lease loss provision to assets | 0.0286% | 2,073 |
| Net operating income to assets | 1.2962% | 1,146 |
| Return on assets (ROA) | 1.2962% | 1,128 |
| Pretax return on assets | 1.2962% | 1,766 |
| Return on Equity (ROE) | 14.3150% | 1,040 |
| Retained earnings to average equity (ytd only) | 2.2954% | 3,670 |
| Net charge-offs to loans | -0.0084% | 3,527 |
| Credit loss provision to net charge-offs | -600.0000% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1427% | 2,894 |
| Assets per employee ($millions) | 4.7017% | 3,931 |
| Cash dividends to net income (ytd only)* | 83.9653% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 2,166 |
| Loan loss allowance to noncurrent loans | 322.7687% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,183 |
| Noncurrent loans to loans | 0.4045% | 1,917 |
| Net loans and leases to total assets | 55.4946% | 2,806 |
| Net loans and leases to deposits | 62.8758% | 2,818 |
| Net loans and leases to core deposits | 64.3225% | 2,940 |
| Total domestic deposits to total assets | 88.2607% | 2,476 |
| Equity capital to assets | 7.8900% | 3,208 |
| Core capital (leverage) ratio | 9.5291% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0692% | 841 |
| Memoranda: | ||
| Average total assets | $712,097,667 | 1,304 |
| Average earning assets | $673,226,000 | 1,289 |
| Average equity | $64,477,667 | 1,369 |
| Average total loans | $402,549,333 | 1,367 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1089% | 2,957 |
| Cost of funding earning assets | 0.1926% | 2,900 |
| Net interest margin | 2.9163% | 2,781 |
| Noninterest income to average assets | 0.7381% | 1,198 |
| Noninterest expense to average assets | 2.2790% | 2,580 |
| Loan and lease loss provision to assets | 0.0017% | 2,263 |
| Net operating income to assets | 1.2191% | 1,205 |
| Return on assets (ROA) | 1.2191% | 1,188 |
| Pretax return on assets | 1.2191% | 1,741 |
| Return on Equity (ROE) | 12.6306% | 1,122 |
| Retained earnings to average equity (ytd only) | 4.1202% | 2,892 |
| Net charge-offs to loans | -0.0170% | 3,828 |
| Credit loss provision to net charge-offs | -17.6471% | 2,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1182% | 2,890 |
| Assets per employee ($millions) | 4.6492% | 4,038 |
| Cash dividends to net income (ytd only)* | 67.3792% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,278 |
| Loan loss allowance to noncurrent loans | 308.2742% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 2,165 |
| Noncurrent loans to loans | 0.4266% | 1,962 |
| Net loans and leases to total assets | 54.3096% | 2,716 |
| Net loans and leases to deposits | 62.1882% | 2,699 |
| Net loans and leases to core deposits | 63.5203% | 2,833 |
| Total domestic deposits to total assets | 87.3311% | 2,805 |
| Equity capital to assets | 8.8528% | 2,834 |
| Core capital (leverage) ratio | 9.8303% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4403% | 838 |
| Memoranda: | ||
| Average total assets | $706,114,000 | 1,314 |
| Average earning assets | $668,666,500 | 1,296 |
| Average equity | $68,152,000 | 1,357 |
| Average total loans | $400,257,500 | 1,367 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7623% | 1,957 |
| Cost of funding earning assets | 0.2715% | 2,690 |
| Net interest margin | 3.4907% | 1,764 |
| Noninterest income to average assets | 0.7546% | 1,579 |
| Noninterest expense to average assets | 2.4188% | 2,430 |
| Loan and lease loss provision to assets | -0.0001% | 4,128 |
| Net operating income to assets | 1.6309% | 737 |
| Return on assets (ROA) | 1.6309% | 777 |
| Pretax return on assets | 1.6309% | 1,335 |
| Return on Equity (ROE) | 15.4913% | 840 |
| Retained earnings to average equity (ytd only) | 7.2633% | 1,820 |
| Net charge-offs to loans | 0.0305% | 1,628 |
| Credit loss provision to net charge-offs | -0.7937% | 3,145 |
| Earnings coverage of net charge-offs (x) | 87.8095% | 943 |
| Efficiency ratio | 59.7088% | 3,193 |
| Assets per employee ($millions) | 4.4619% | 4,146 |
| Cash dividends to net income (ytd only)* | 53.1134% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,428 |
| Loan loss allowance to noncurrent loans | 329.2776% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 2,376 |
| Noncurrent loans to loans | 0.3907% | 2,190 |
| Net loans and leases to total assets | 57.6537% | 2,408 |
| Net loans and leases to deposits | 67.4938% | 2,358 |
| Net loans and leases to core deposits | 69.1262% | 2,538 |
| Total domestic deposits to total assets | 85.4207% | 3,124 |
| Equity capital to assets | 10.4841% | 2,193 |
| Core capital (leverage) ratio | 9.8323% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3817% | 841 |
| Memoranda: | ||
| Average total assets | $678,466,600 | 1,313 |
| Average earning assets | $640,408,800 | 1,303 |
| Average equity | $71,427,400 | 1,326 |
| Average total loans | $413,345,400 | 1,338 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 1,796 |
| Cost of funding earning assets | 0.2903% | 2,685 |
| Net interest margin | 3.5971% | 1,603 |
| Noninterest income to average assets | 0.7611% | 1,642 |
| Noninterest expense to average assets | 2.4394% | 2,308 |
| Loan and lease loss provision to assets | -0.0004% | 4,279 |
| Net operating income to assets | 1.7129% | 808 |
| Return on assets (ROA) | 1.7129% | 846 |
| Pretax return on assets | 1.7129% | 1,381 |
| Return on Equity (ROE) | 16.2528% | 897 |
| Retained earnings to average equity (ytd only) | 5.7093% | 2,950 |
| Net charge-offs to loans | 0.0096% | 1,962 |
| Credit loss provision to net charge-offs | -6.6667% | 3,048 |
| Earnings coverage of net charge-offs (x) | 289.0667% | 450 |
| Efficiency ratio | 58.7301% | 3,163 |
| Assets per employee ($millions) | 4.7712% | 3,912 |
| Cash dividends to net income (ytd only)* | 64.8720% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,517 |
| Loan loss allowance to noncurrent loans | 333.3963% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 2,604 |
| Noncurrent loans to loans | 0.3882% | 2,400 |
| Net loans and leases to total assets | 57.5273% | 2,556 |
| Net loans and leases to deposits | 68.7921% | 2,356 |
| Net loans and leases to core deposits | 70.4229% | 2,559 |
| Total domestic deposits to total assets | 83.6249% | 3,554 |
| Equity capital to assets | 10.1973% | 2,713 |
| Core capital (leverage) ratio | 9.6440% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0199% | 952 |
| Memoranda: | ||
| Average total assets | $675,184,000 | 1,331 |
| Average earning assets | $636,462,250 | 1,322 |
| Average equity | $71,157,250 | 1,352 |
| Average total loans | $415,700,000 | 1,358 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 1,850 |
| Cost of funding earning assets | 0.3124% | 2,657 |
| Net interest margin | 3.5742% | 1,654 |
| Noninterest income to average assets | 0.7745% | 1,600 |
| Noninterest expense to average assets | 2.4608% | 2,274 |
| Loan and lease loss provision to assets | -0.0012% | 4,373 |
| Net operating income to assets | 1.6865% | 895 |
| Return on assets (ROA) | 1.6865% | 939 |
| Pretax return on assets | 1.6865% | 1,514 |
| Return on Equity (ROE) | 15.8229% | 989 |
| Retained earnings to average equity (ytd only) | 7.2160% | 2,353 |
| Net charge-offs to loans | 0.0167% | 1,616 |
| Credit loss provision to net charge-offs | -11.4286% | 2,907 |
| Earnings coverage of net charge-offs (x) | 160.4571% | 569 |
| Efficiency ratio | 59.3298% | 3,110 |
| Assets per employee ($millions) | 4.3877% | 4,194 |
| Cash dividends to net income (ytd only)* | 54.3950% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,551 |
| Loan loss allowance to noncurrent loans | 309.7890% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 2,677 |
| Noncurrent loans to loans | 0.4122% | 2,444 |
| Net loans and leases to total assets | 58.9382% | 2,548 |
| Net loans and leases to deposits | 70.1519% | 2,391 |
| Net loans and leases to core deposits | 71.9062% | 2,612 |
| Total domestic deposits to total assets | 84.0150% | 3,437 |
| Equity capital to assets | 10.3916% | 2,496 |
| Core capital (leverage) ratio | 9.6674% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7680% | 998 |
| Memoranda: | ||
| Average total assets | $666,457,333 | 1,339 |
| Average earning assets | $628,665,000 | 1,333 |
| Average equity | $71,036,333 | 1,341 |
| Average total loans | $418,011,000 | 1,360 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5617% | 2,756 |
| Cost of funding earning assets | 0.3380% | 2,641 |
| Net interest margin | 3.2238% | 2,623 |
| Noninterest income to average assets | 0.7705% | 1,664 |
| Noninterest expense to average assets | 2.4947% | 2,192 |
| Loan and lease loss provision to assets | -0.0012% | 4,548 |
| Net operating income to assets | 1.3151% | 1,778 |
| Return on assets (ROA) | 1.3151% | 1,861 |
| Pretax return on assets | 1.3151% | 2,526 |
| Return on Equity (ROE) | 12.1757% | 1,954 |
| Retained earnings to average equity (ytd only) | 4.9338% | 3,237 |
| Net charge-offs to loans | 0.0400% | 1,068 |
| Credit loss provision to net charge-offs | -4.7619% | 2,686 |
| Earnings coverage of net charge-offs (x) | 51.0714% | 887 |
| Efficiency ratio | 65.4712% | 2,304 |
| Assets per employee ($millions) | 4.3693% | 4,221 |
| Cash dividends to net income (ytd only)* | 59.4783% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,632 |
| Loan loss allowance to noncurrent loans | 244.7381% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 2,470 |
| Noncurrent loans to loans | 0.5136% | 2,317 |
| Net loans and leases to total assets | 60.8419% | 2,424 |
| Net loans and leases to deposits | 72.4274% | 2,269 |
| Net loans and leases to core deposits | 74.2262% | 2,492 |
| Total domestic deposits to total assets | 84.0041% | 3,431 |
| Equity capital to assets | 10.2750% | 2,454 |
| Core capital (leverage) ratio | 9.9685% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6776% | 968 |
| Memoranda: | ||
| Average total assets | $653,054,000 | 1,348 |
| Average earning assets | $615,431,000 | 1,346 |
| Average equity | $70,534,000 | 1,342 |
| Average total loans | $420,075,500 | 1,361 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 2,095 |
| Cost of funding earning assets | 0.5141% | 2,859 |
| Net interest margin | 3.6999% | 1,801 |
| Noninterest income to average assets | 0.8063% | 1,514 |
| Noninterest expense to average assets | 2.6990% | 2,243 |
| Loan and lease loss provision to assets | 0.1354% | 2,670 |
| Net operating income to assets | 1.4292% | 953 |
| Return on assets (ROA) | 1.4292% | 1,043 |
| Pretax return on assets | 1.4292% | 1,575 |
| Return on Equity (ROE) | 12.0500% | 1,308 |
| Retained earnings to average equity (ytd only) | 4.2693% | 2,668 |
| Net charge-offs to loans | 0.0369% | 2,316 |
| Credit loss provision to net charge-offs | 524.5033% | 1,215 |
| Earnings coverage of net charge-offs (x) | 60.6291% | 1,066 |
| Efficiency ratio | 63.2796% | 2,931 |
| Assets per employee ($millions) | 4.2774% | 4,144 |
| Cash dividends to net income (ytd only)* | 64.5701% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,583 |
| Loan loss allowance to noncurrent loans | 236.5171% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 2,513 |
| Noncurrent loans to loans | 0.5357% | 2,370 |
| Net loans and leases to total assets | 66.4282% | 2,027 |
| Net loans and leases to deposits | 78.7383% | 2,004 |
| Net loans and leases to core deposits | 80.6474% | 2,306 |
| Total domestic deposits to total assets | 84.3658% | 2,994 |
| Equity capital to assets | 11.3743% | 1,973 |
| Core capital (leverage) ratio | 10.2218% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2250% | 1,014 |
| Memoranda: | ||
| Average total assets | $585,148,400 | 1,356 |
| Average earning assets | $546,767,400 | 1,358 |
| Average equity | $69,402,400 | 1,302 |
| Average total loans | $409,755,400 | 1,327 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 2,217 |
| Cost of funding earning assets | 0.5508% | 2,918 |
| Net interest margin | 3.7108% | 1,906 |
| Noninterest income to average assets | 0.8023% | 1,486 |
| Noninterest expense to average assets | 2.7308% | 2,170 |
| Loan and lease loss provision to assets | 0.0793% | 3,325 |
| Net operating income to assets | 1.4540% | 988 |
| Return on assets (ROA) | 1.4540% | 1,075 |
| Pretax return on assets | 1.4540% | 1,565 |
| Return on Equity (ROE) | 12.1243% | 1,336 |
| Retained earnings to average equity (ytd only) | 5.3607% | 2,400 |
| Net charge-offs to loans | 0.0354% | 2,125 |
| Credit loss provision to net charge-offs | 316.6667% | 1,711 |
| Earnings coverage of net charge-offs (x) | 61.2593% | 1,088 |
| Efficiency ratio | 64.0143% | 2,727 |
| Assets per employee ($millions) | 4.2122% | 4,133 |
| Cash dividends to net income (ytd only)* | 55.7858% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 2,867 |
| Loan loss allowance to noncurrent loans | 215.1422% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 2,580 |
| Noncurrent loans to loans | 0.5411% | 2,447 |
| Net loans and leases to total assets | 67.8612% | 2,265 |
| Net loans and leases to deposits | 81.1232% | 2,186 |
| Net loans and leases to core deposits | 83.1507% | 2,566 |
| Total domestic deposits to total assets | 83.6520% | 2,942 |
| Equity capital to assets | 11.5455% | 1,972 |
| Core capital (leverage) ratio | 10.4250% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5086% | 971 |
| Memoranda: | ||
| Average total assets | $575,309,500 | 1,357 |
| Average earning assets | $536,695,000 | 1,360 |
| Average equity | $68,994,750 | 1,302 |
| Average total loans | $407,151,500 | 1,325 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 2,245 |
| Cost of funding earning assets | 0.5912% | 3,012 |
| Net interest margin | 3.7972% | 1,842 |
| Noninterest income to average assets | 0.8038% | 1,425 |
| Noninterest expense to average assets | 2.7679% | 2,169 |
| Loan and lease loss provision to assets | 0.0680% | 3,446 |
| Net operating income to assets | 1.5033% | 920 |
| Return on assets (ROA) | 1.5033% | 992 |
| Pretax return on assets | 1.5033% | 1,448 |
| Return on Equity (ROE) | 12.3673% | 1,245 |
| Retained earnings to average equity (ytd only) | 4.5371% | 2,687 |
| Net charge-offs to loans | 0.0403% | 1,940 |
| Credit loss provision to net charge-offs | 235.8025% | 1,792 |
| Earnings coverage of net charge-offs (x) | 54.5185% | 1,042 |
| Efficiency ratio | 63.7638% | 2,853 |
| Assets per employee ($millions) | 3.7952% | 4,471 |
| Cash dividends to net income (ytd only)* | 63.3136% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,781 |
| Loan loss allowance to noncurrent loans | 197.7723% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 2,397 |
| Noncurrent loans to loans | 0.5812% | 2,412 |
| Net loans and leases to total assets | 68.3241% | 2,298 |
| Net loans and leases to deposits | 81.6659% | 2,238 |
| Net loans and leases to core deposits | 83.7046% | 2,635 |
| Total domestic deposits to total assets | 83.6629% | 2,864 |
| Equity capital to assets | 11.6076% | 1,906 |
| Core capital (leverage) ratio | 10.5642% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4641% | 1,141 |
| Memoranda: | ||
| Average total assets | $562,085,333 | 1,371 |
| Average earning assets | $523,335,333 | 1,367 |
| Average equity | $68,325,333 | 1,297 |
| Average total loans | $402,118,667 | 1,317 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5925% | 2,018 |
| Cost of funding earning assets | 0.6452% | 3,191 |
| Net interest margin | 3.9474% | 1,539 |
| Noninterest income to average assets | 0.8134% | 1,273 |
| Noninterest expense to average assets | 2.8924% | 2,145 |
| Loan and lease loss provision to assets | 0.0687% | 2,894 |
| Net operating income to assets | 1.5182% | 749 |
| Return on assets (ROA) | 1.5182% | 818 |
| Pretax return on assets | 1.5182% | 1,261 |
| Return on Equity (ROE) | 12.1839% | 1,057 |
| Retained earnings to average equity (ytd only) | 4.1799% | 2,611 |
| Net charge-offs to loans | 0.0061% | 2,356 |
| Credit loss provision to net charge-offs | 1,550.0000% | 415 |
| Earnings coverage of net charge-offs (x) | 358.0000% | 194 |
| Efficiency ratio | 64.5390% | 3,144 |
| Assets per employee ($millions) | 3.5225% | 4,467 |
| Cash dividends to net income (ytd only)* | 65.6934% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,608 |
| Loan loss allowance to noncurrent loans | 192.5717% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 2,454 |
| Noncurrent loans to loans | 0.6289% | 2,414 |
| Net loans and leases to total assets | 69.9115% | 2,267 |
| Net loans and leases to deposits | 84.3039% | 2,189 |
| Net loans and leases to core deposits | 86.7171% | 2,625 |
| Total domestic deposits to total assets | 82.9280% | 3,135 |
| Equity capital to assets | 12.3230% | 1,849 |
| Core capital (leverage) ratio | 11.3838% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0782% | 1,136 |
| Memoranda: | ||
| Average total assets | $541,413,000 | 1,372 |
| Average earning assets | $502,815,000 | 1,378 |
| Average equity | $67,466,000 | 1,307 |
| Average total loans | $394,637,000 | 1,306 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 2,060 |
| Cost of funding earning assets | 0.6492% | 3,414 |
| Net interest margin | 4.1448% | 1,441 |
| Noninterest income to average assets | 0.8413% | 1,327 |
| Noninterest expense to average assets | 2.9909% | 2,045 |
| Loan and lease loss provision to assets | 0.0864% | 2,285 |
| Net operating income to assets | 1.6070% | 830 |
| Return on assets (ROA) | 1.6068% | 888 |
| Pretax return on assets | 1.6068% | 1,469 |
| Return on Equity (ROE) | 12.8392% | 1,222 |
| Retained earnings to average equity (ytd only) | 3.7127% | 3,135 |
| Net charge-offs to loans | 0.0320% | 2,750 |
| Credit loss provision to net charge-offs | 358.8710% | 781 |
| Earnings coverage of net charge-offs (x) | 70.3065% | 884 |
| Efficiency ratio | 63.8233% | 3,093 |
| Assets per employee ($millions) | 3.4173% | 4,555 |
| Cash dividends to net income (ytd only)* | 71.0832% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,517 |
| Loan loss allowance to noncurrent loans | 218.4235% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 2,419 |
| Noncurrent loans to loans | 0.5422% | 2,547 |
| Net loans and leases to total assets | 74.2441% | 1,713 |
| Net loans and leases to deposits | 87.9023% | 1,860 |
| Net loans and leases to core deposits | 90.4603% | 2,379 |
| Total domestic deposits to total assets | 84.4620% | 2,699 |
| Equity capital to assets | 12.6072% | 1,766 |
| Core capital (leverage) ratio | 11.5025% | 2,108 |
| Tier 1 risk-based capital ratio | 16.8919% | 2,085 |
| Total risk-based capital ratio | 18.1426% | 2,031 |
| Memoranda: | ||
| Average total assets | $514,799,000 | 1,387 |
| Average earning assets | $477,326,600 | 1,391 |
| Average equity | $64,427,800 | 1,309 |
| Average total loans | $386,938,600 | 1,302 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 2,196 |
| Cost of funding earning assets | 0.6339% | 3,519 |
| Net interest margin | 4.1409% | 1,521 |
| Noninterest income to average assets | 0.8501% | 1,276 |
| Noninterest expense to average assets | 3.0035% | 1,973 |
| Loan and lease loss provision to assets | 0.0870% | 2,177 |
| Net operating income to assets | 1.5976% | 939 |
| Return on assets (ROA) | 1.5973% | 981 |
| Pretax return on assets | 1.5973% | 1,647 |
| Return on Equity (ROE) | 12.7872% | 1,357 |
| Retained earnings to average equity (ytd only) | 2.5604% | 4,069 |
| Net charge-offs to loans | 0.0249% | 2,603 |
| Credit loss provision to net charge-offs | 463.8889% | 673 |
| Earnings coverage of net charge-offs (x) | 89.8310% | 800 |
| Efficiency ratio | 64.0389% | 3,002 |
| Assets per employee ($millions) | 3.3813% | 4,611 |
| Cash dividends to net income (ytd only)* | 79.9772% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,658 |
| Loan loss allowance to noncurrent loans | 213.7772% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 2,523 |
| Noncurrent loans to loans | 0.5477% | 2,654 |
| Net loans and leases to total assets | 74.9520% | 1,657 |
| Net loans and leases to deposits | 88.5623% | 1,856 |
| Net loans and leases to core deposits | 91.2205% | 2,442 |
| Total domestic deposits to total assets | 84.6320% | 2,566 |
| Equity capital to assets | 12.5793% | 1,854 |
| Core capital (leverage) ratio | 11.5508% | 2,183 |
| Tier 1 risk-based capital ratio | 16.4094% | 2,299 |
| Total risk-based capital ratio | 17.6597% | 2,232 |
| Memoranda: | ||
| Average total assets | $511,931,000 | 1,402 |
| Average earning assets | $474,473,500 | 1,403 |
| Average equity | $63,947,750 | 1,313 |
| Average total loans | $384,821,250 | 1,313 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 2,261 |
| Cost of funding earning assets | 0.6089% | 3,606 |
| Net interest margin | 4.1263% | 1,534 |
| Noninterest income to average assets | 0.8743% | 1,141 |
| Noninterest expense to average assets | 3.0294% | 1,920 |
| Loan and lease loss provision to assets | 0.0385% | 3,044 |
| Net operating income to assets | 1.6326% | 846 |
| Return on assets (ROA) | 1.6322% | 884 |
| Pretax return on assets | 1.6322% | 1,450 |
| Return on Equity (ROE) | 13.0980% | 1,205 |
| Retained earnings to average equity (ytd only) | 1.4157% | 4,316 |
| Net charge-offs to loans | 0.0257% | 2,342 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 86.7959% | 769 |
| Efficiency ratio | 64.4236% | 3,071 |
| Assets per employee ($millions) | 3.2576% | 4,735 |
| Cash dividends to net income (ytd only)* | 89.1911% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 2,834 |
| Loan loss allowance to noncurrent loans | 203.1322% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 2,569 |
| Noncurrent loans to loans | 0.5620% | 2,580 |
| Net loans and leases to total assets | 74.6663% | 1,774 |
| Net loans and leases to deposits | 88.4257% | 1,952 |
| Net loans and leases to core deposits | 91.1343% | 2,493 |
| Total domestic deposits to total assets | 84.4395% | 2,714 |
| Equity capital to assets | 12.6037% | 1,796 |
| Core capital (leverage) ratio | 11.6099% | 2,087 |
| Tier 1 risk-based capital ratio | 16.4564% | 2,254 |
| Total risk-based capital ratio | 17.6952% | 2,205 |
| Memoranda: | ||
| Average total assets | $509,003,670 | 1,406 |
| Average earning assets | $471,992,330 | 1,410 |
| Average equity | $63,429,670 | 1,318 |
| Average total loans | $381,458,670 | 1,330 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 2,310 |
| Cost of funding earning assets | 0.5854% | 3,649 |
| Net interest margin | 4.0878% | 1,581 |
| Noninterest income to average assets | 0.8752% | 1,097 |
| Noninterest expense to average assets | 3.0036% | 1,987 |
| Loan and lease loss provision to assets | 0.0386% | 2,856 |
| Net operating income to assets | 1.6227% | 853 |
| Return on assets (ROA) | 1.6227% | 886 |
| Pretax return on assets | 1.6227% | 1,412 |
| Return on Equity (ROE) | 13.0971% | 1,182 |
| Retained earnings to average equity (ytd only) | 7.0572% | 2,014 |
| Net charge-offs to loans | 0.0443% | 1,641 |
| Credit loss provision to net charge-offs | 116.6667% | 1,438 |
| Earnings coverage of net charge-offs (x) | 50.2143% | 1,023 |
| Efficiency ratio | 64.3533% | 3,181 |
| Assets per employee ($millions) | 3.2478% | 4,789 |
| Cash dividends to net income (ytd only)* | 46.1165% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,857 |
| Loan loss allowance to noncurrent loans | 195.2615% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 2,636 |
| Noncurrent loans to loans | 0.5886% | 2,570 |
| Net loans and leases to total assets | 73.2124% | 1,943 |
| Net loans and leases to deposits | 87.1875% | 1,972 |
| Net loans and leases to core deposits | 89.8367% | 2,522 |
| Total domestic deposits to total assets | 83.9712% | 3,053 |
| Equity capital to assets | 12.4800% | 1,747 |
| Core capital (leverage) ratio | 11.8545% | 1,870 |
| Tier 1 risk-based capital ratio | 16.8181% | 2,166 |
| Total risk-based capital ratio | 18.0575% | 2,121 |
| Memoranda: | ||
| Average total assets | $507,787,000 | 1,414 |
| Average earning assets | $470,761,500 | 1,418 |
| Average equity | $62,914,500 | 1,320 |
| Average total loans | $379,047,500 | 1,342 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 2,394 |
| Cost of funding earning assets | 0.4587% | 3,620 |
| Net interest margin | 4.0635% | 1,788 |
| Noninterest income to average assets | 0.7648% | 1,582 |
| Noninterest expense to average assets | 3.0262% | 1,993 |
| Loan and lease loss provision to assets | -0.0049% | 5,086 |
| Net operating income to assets | 1.5071% | 1,098 |
| Return on assets (ROA) | 1.5071% | 1,086 |
| Pretax return on assets | 1.5071% | 1,759 |
| Return on Equity (ROE) | 12.6090% | 1,506 |
| Retained earnings to average equity (ytd only) | 2.3393% | 4,218 |
| Net charge-offs to loans | 0.0665% | 2,165 |
| Credit loss provision to net charge-offs | -9.9206% | 4,271 |
| Earnings coverage of net charge-offs (x) | 30.3810% | 1,586 |
| Efficiency ratio | 66.8010% | 2,739 |
| Assets per employee ($millions) | 3.2001% | 4,837 |
| Cash dividends to net income (ytd only)* | 81.4477% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,806 |
| Loan loss allowance to noncurrent loans | 228.2575% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 2,796 |
| Noncurrent loans to loans | 0.5055% | 2,756 |
| Net loans and leases to total assets | 74.3746% | 1,871 |
| Net loans and leases to deposits | 88.8054% | 1,948 |
| Net loans and leases to core deposits | 91.2938% | 2,469 |
| Total domestic deposits to total assets | 83.7501% | 3,066 |
| Equity capital to assets | 12.2980% | 1,701 |
| Core capital (leverage) ratio | 11.7445% | 1,921 |
| Tier 1 risk-based capital ratio | 16.8901% | 2,104 |
| Total risk-based capital ratio | 18.1401% | 2,048 |
| Memoranda: | ||
| Average total assets | $509,655,200 | 1,384 |
| Average earning assets | $472,030,000 | 1,381 |
| Average equity | $60,916,600 | 1,302 |
| Average total loans | $378,882,200 | 1,310 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 2,459 |
| Cost of funding earning assets | 0.4363% | 3,619 |
| Net interest margin | 4.0148% | 1,912 |
| Noninterest income to average assets | 0.7544% | 1,655 |
| Noninterest expense to average assets | 2.9624% | 2,133 |
| Loan and lease loss provision to assets | 0.0193% | 3,621 |
| Net operating income to assets | 1.4911% | 1,219 |
| Return on assets (ROA) | 1.4911% | 1,215 |
| Pretax return on assets | 1.4911% | 1,929 |
| Return on Equity (ROE) | 12.5644% | 1,588 |
| Retained earnings to average equity (ytd only) | 2.3921% | 4,440 |
| Net charge-offs to loans | 0.0823% | 1,700 |
| Credit loss provision to net charge-offs | 31.6239% | 2,960 |
| Earnings coverage of net charge-offs (x) | 24.7609% | 1,800 |
| Efficiency ratio | 66.2024% | 2,832 |
| Assets per employee ($millions) | 3.2636% | 4,821 |
| Cash dividends to net income (ytd only)* | 80.9615% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,657 |
| Loan loss allowance to noncurrent loans | 191.4921% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 2,626 |
| Noncurrent loans to loans | 0.6234% | 2,530 |
| Net loans and leases to total assets | 72.8148% | 2,203 |
| Net loans and leases to deposits | 86.0735% | 2,354 |
| Net loans and leases to core deposits | 88.0372% | 2,842 |
| Total domestic deposits to total assets | 84.5960% | 2,761 |
| Equity capital to assets | 11.9186% | 1,957 |
| Core capital (leverage) ratio | 11.4689% | 2,192 |
| Tier 1 risk-based capital ratio | 16.8838% | 2,141 |
| Total risk-based capital ratio | 18.1342% | 2,095 |
| Memoranda: | ||
| Average total assets | $511,465,250 | 1,378 |
| Average earning assets | $473,701,250 | 1,379 |
| Average equity | $60,699,000 | 1,304 |
| Average total loans | $379,095,000 | 1,313 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 2,435 |
| Cost of funding earning assets | 0.4172% | 3,591 |
| Net interest margin | 3.9771% | 1,937 |
| Noninterest income to average assets | 0.7410% | 1,680 |
| Noninterest expense to average assets | 2.9704% | 2,133 |
| Loan and lease loss provision to assets | -0.0004% | 5,279 |
| Net operating income to assets | 1.4555% | 1,262 |
| Return on assets (ROA) | 1.4555% | 1,262 |
| Pretax return on assets | 1.4555% | 1,971 |
| Return on Equity (ROE) | 12.2823% | 1,624 |
| Retained earnings to average equity (ytd only) | 0.0725% | 4,944 |
| Net charge-offs to loans | 0.0252% | 2,351 |
| Credit loss provision to net charge-offs | -2.0833% | 3,913 |
| Earnings coverage of net charge-offs (x) | 77.6458% | 836 |
| Efficiency ratio | 67.0931% | 2,800 |
| Assets per employee ($millions) | 3.2719% | 4,850 |
| Cash dividends to net income (ytd only)* | 99.4099% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,630 |
| Loan loss allowance to noncurrent loans | 163.8929% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 2,396 |
| Noncurrent loans to loans | 0.7417% | 2,252 |
| Net loans and leases to total assets | 73.0621% | 2,104 |
| Net loans and leases to deposits | 85.8979% | 2,327 |
| Net loans and leases to core deposits | 88.4599% | 2,681 |
| Total domestic deposits to total assets | 85.0569% | 2,648 |
| Equity capital to assets | 11.7721% | 2,009 |
| Core capital (leverage) ratio | 11.2422% | 2,308 |
| Tier 1 risk-based capital ratio | 16.7633% | 2,175 |
| Total risk-based capital ratio | 18.0145% | 2,117 |
| Memoranda: | ||
| Average total assets | $512,246,330 | 1,381 |
| Average earning assets | $474,561,670 | 1,385 |
| Average equity | $60,705,330 | 1,305 |
| Average total loans | $380,395,000 | 1,309 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 2,443 |
| Cost of funding earning assets | 0.4082% | 3,527 |
| Net interest margin | 3.9149% | 1,984 |
| Noninterest income to average assets | 0.7912% | 1,488 |
| Noninterest expense to average assets | 2.9456% | 2,210 |
| Loan and lease loss provision to assets | -0.0008% | 5,389 |
| Net operating income to assets | 1.4724% | 1,141 |
| Return on assets (ROA) | 1.4724% | 1,143 |
| Pretax return on assets | 1.4724% | 1,755 |
| Return on Equity (ROE) | 12.3838% | 1,445 |
| Retained earnings to average equity (ytd only) | 3.6647% | 3,730 |
| Net charge-offs to loans | 0.0251% | 2,002 |
| Credit loss provision to net charge-offs | -4.1667% | 3,545 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 709 |
| Efficiency ratio | 66.6490% | 3,058 |
| Assets per employee ($millions) | 3.2777% | 4,923 |
| Cash dividends to net income (ytd only)* | 70.4076% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,763 |
| Loan loss allowance to noncurrent loans | 181.3286% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 2,566 |
| Noncurrent loans to loans | 0.6660% | 2,553 |
| Net loans and leases to total assets | 73.3312% | 1,975 |
| Net loans and leases to deposits | 86.1212% | 2,151 |
| Net loans and leases to core deposits | 88.6487% | 2,574 |
| Total domestic deposits to total assets | 85.1488% | 2,883 |
| Equity capital to assets | 11.8273% | 1,897 |
| Core capital (leverage) ratio | 11.4156% | 2,075 |
| Tier 1 risk-based capital ratio | 16.2331% | 2,378 |
| Total risk-based capital ratio | 17.4839% | 2,331 |
| Memoranda: | ||
| Average total assets | $513,164,000 | 1,388 |
| Average earning assets | $475,312,500 | 1,398 |
| Average equity | $61,015,000 | 1,314 |
| Average total loans | $381,839,500 | 1,313 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 2,596 |
| Cost of funding earning assets | 0.3797% | 3,424 |
| Net interest margin | 3.8458% | 2,269 |
| Noninterest income to average assets | 0.7912% | 1,602 |
| Noninterest expense to average assets | 2.8244% | 2,695 |
| Loan and lease loss provision to assets | -0.0008% | 5,282 |
| Net operating income to assets | 1.5285% | 755 |
| Return on assets (ROA) | 1.5503% | 736 |
| Pretax return on assets | 1.5503% | 1,451 |
| Return on Equity (ROE) | 13.4701% | 854 |
| Retained earnings to average equity (ytd only) | 6.5155% | 1,271 |
| Net charge-offs to loans | 0.0608% | 2,599 |
| Credit loss provision to net charge-offs | -1.7467% | 4,571 |
| Earnings coverage of net charge-offs (x) | 34.5895% | 1,391 |
| Efficiency ratio | 64.8704% | 3,467 |
| Assets per employee ($millions) | 3.2594% | 4,981 |
| Cash dividends to net income (ytd only)* | 51.6298% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,689 |
| Loan loss allowance to noncurrent loans | 182.8143% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 2,592 |
| Noncurrent loans to loans | 0.6647% | 2,551 |
| Net loans and leases to total assets | 73.6848% | 1,973 |
| Net loans and leases to deposits | 86.8320% | 2,154 |
| Net loans and leases to core deposits | 89.5475% | 2,610 |
| Total domestic deposits to total assets | 84.8590% | 2,892 |
| Equity capital to assets | 11.9530% | 1,863 |
| Core capital (leverage) ratio | 11.1342% | 2,213 |
| Tier 1 risk-based capital ratio | 16.0531% | 2,417 |
| Total risk-based capital ratio | 17.3038% | 2,352 |
| Memoranda: | ||
| Average total assets | $518,481,800 | 1,352 |
| Average earning assets | $480,084,400 | 1,355 |
| Average equity | $59,673,000 | 1,319 |
| Average total loans | $376,475,600 | 1,297 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 2,688 |
| Cost of funding earning assets | 0.3771% | 3,404 |
| Net interest margin | 3.8009% | 2,395 |
| Noninterest income to average assets | 0.7777% | 1,672 |
| Noninterest expense to average assets | 2.7898% | 2,762 |
| Loan and lease loss provision to assets | -0.0008% | 5,432 |
| Net operating income to assets | 1.5097% | 875 |
| Return on assets (ROA) | 1.5387% | 846 |
| Pretax return on assets | 1.5387% | 1,628 |
| Return on Equity (ROE) | 13.4972% | 933 |
| Retained earnings to average equity (ytd only) | 5.5581% | 2,501 |
| Net charge-offs to loans | 0.0800% | 1,999 |
| Credit loss provision to net charge-offs | -1.3333% | 4,363 |
| Earnings coverage of net charge-offs (x) | 26.1647% | 1,695 |
| Efficiency ratio | 64.8679% | 3,389 |
| Assets per employee ($millions) | 3.3573% | 4,905 |
| Cash dividends to net income (ytd only)* | 58.8206% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,726 |
| Loan loss allowance to noncurrent loans | 202.7511% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 2,626 |
| Noncurrent loans to loans | 0.6088% | 2,888 |
| Net loans and leases to total assets | 71.8600% | 2,270 |
| Net loans and leases to deposits | 84.4944% | 2,492 |
| Net loans and leases to core deposits | 87.5070% | 2,821 |
| Total domestic deposits to total assets | 85.0471% | 2,694 |
| Equity capital to assets | 11.7165% | 2,175 |
| Core capital (leverage) ratio | 10.7652% | 2,679 |
| Tier 1 risk-based capital ratio | 15.8634% | 2,564 |
| Total risk-based capital ratio | 17.1147% | 2,493 |
| Memoranda: | ||
| Average total assets | $520,171,500 | 1,357 |
| Average earning assets | $481,877,500 | 1,361 |
| Average equity | $59,299,750 | 1,336 |
| Average total loans | $375,169,500 | 1,309 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 2,740 |
| Cost of funding earning assets | 0.3716% | 3,366 |
| Net interest margin | 3.7553% | 2,453 |
| Noninterest income to average assets | 0.7878% | 1,612 |
| Noninterest expense to average assets | 2.7712% | 2,854 |
| Loan and lease loss provision to assets | -0.0008% | 5,513 |
| Net operating income to assets | 1.4996% | 865 |
| Return on assets (ROA) | 1.4996% | 888 |
| Pretax return on assets | 1.4996% | 1,635 |
| Return on Equity (ROE) | 13.2758% | 963 |
| Retained earnings to average equity (ytd only) | 4.6031% | 2,973 |
| Net charge-offs to loans | 0.1115% | 1,516 |
| Credit loss provision to net charge-offs | -0.9569% | 4,199 |
| Earnings coverage of net charge-offs (x) | 18.6890% | 1,868 |
| Efficiency ratio | 64.8724% | 3,520 |
| Assets per employee ($millions) | 3.4117% | 4,846 |
| Cash dividends to net income (ytd only)* | 65.3275% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,833 |
| Loan loss allowance to noncurrent loans | 183.0322% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 2,421 |
| Noncurrent loans to loans | 0.6717% | 2,739 |
| Net loans and leases to total assets | 71.2548% | 2,324 |
| Net loans and leases to deposits | 83.4401% | 2,551 |
| Net loans and leases to core deposits | 86.6112% | 2,822 |
| Total domestic deposits to total assets | 85.3964% | 2,649 |
| Equity capital to assets | 11.3798% | 2,431 |
| Core capital (leverage) ratio | 10.4955% | 2,920 |
| Tier 1 risk-based capital ratio | 15.4634% | 2,719 |
| Total risk-based capital ratio | 16.7143% | 2,655 |
| Memoranda: | ||
| Average total assets | $521,221,330 | 1,363 |
| Average earning assets | $483,320,330 | 1,361 |
| Average equity | $58,874,000 | 1,341 |
| Average total loans | $374,834,330 | 1,315 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 2,799 |
| Cost of funding earning assets | 0.3669% | 3,350 |
| Net interest margin | 3.6932% | 2,502 |
| Noninterest income to average assets | 0.8021% | 1,538 |
| Noninterest expense to average assets | 2.8047% | 2,778 |
| Loan and lease loss provision to assets | -0.0008% | 5,629 |
| Net operating income to assets | 1.4262% | 944 |
| Return on assets (ROA) | 1.4262% | 969 |
| Pretax return on assets | 1.4262% | 1,783 |
| Return on Equity (ROE) | 12.6746% | 1,069 |
| Retained earnings to average equity (ytd only) | 7.1624% | 1,800 |
| Net charge-offs to loans | 0.0258% | 2,243 |
| Credit loss provision to net charge-offs | -4.1667% | 3,780 |
| Earnings coverage of net charge-offs (x) | 77.0833% | 672 |
| Efficiency ratio | 66.2842% | 3,451 |
| Assets per employee ($millions) | 3.4746% | 4,829 |
| Cash dividends to net income (ytd only)* | 43.4900% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,576 |
| Loan loss allowance to noncurrent loans | 209.5588% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 2,912 |
| Noncurrent loans to loans | 0.6166% | 2,974 |
| Net loans and leases to total assets | 69.6239% | 2,451 |
| Net loans and leases to deposits | 81.5953% | 2,557 |
| Net loans and leases to core deposits | 84.6709% | 2,837 |
| Total domestic deposits to total assets | 85.3283% | 2,947 |
| Equity capital to assets | 11.1179% | 2,514 |
| Core capital (leverage) ratio | 10.4966% | 2,905 |
| Tier 1 risk-based capital ratio | 15.6465% | 2,695 |
| Total risk-based capital ratio | 16.8983% | 2,632 |
| Memoranda: | ||
| Average total assets | $519,130,500 | 1,367 |
| Average earning assets | $481,861,500 | 1,367 |
| Average equity | $58,416,000 | 1,346 |
| Average total loans | $372,734,000 | 1,324 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 2,316 |
| Cost of funding earning assets | 0.3709% | 3,308 |
| Net interest margin | 3.8789% | 2,035 |
| Noninterest income to average assets | 0.7133% | 2,108 |
| Noninterest expense to average assets | 2.8772% | 2,755 |
| Loan and lease loss provision to assets | -0.0679% | 5,625 |
| Net operating income to assets | 1.4940% | 837 |
| Return on assets (ROA) | 1.4956% | 856 |
| Pretax return on assets | 1.4956% | 1,595 |
| Return on Equity (ROE) | 12.3533% | 1,160 |
| Retained earnings to average equity (ytd only) | -4.9761% | 5,673 |
| Net charge-offs to loans | 0.0514% | 3,015 |
| Credit loss provision to net charge-offs | -181.5789% | 4,985 |
| Earnings coverage of net charge-offs (x) | 38.1105% | 1,217 |
| Efficiency ratio | 66.8284% | 3,463 |
| Assets per employee ($millions) | 3.3115% | 5,026 |
| Cash dividends to net income (ytd only)* | 140.2818% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 2,465 |
| Loan loss allowance to noncurrent loans | 260.8998% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 3,154 |
| Noncurrent loans to loans | 0.5039% | 3,342 |
| Net loans and leases to total assets | 72.1649% | 2,146 |
| Net loans and leases to deposits | 84.5419% | 2,357 |
| Net loans and leases to core deposits | 87.9456% | 2,681 |
| Total domestic deposits to total assets | 85.3600% | 2,898 |
| Equity capital to assets | 11.3940% | 2,247 |
| Core capital (leverage) ratio | 10.5172% | 2,863 |
| Tier 1 risk-based capital ratio | 15.6045% | 2,704 |
| Total risk-based capital ratio | 16.8569% | 2,638 |
| Memoranda: | ||
| Average total assets | $507,749,000 | 1,352 |
| Average earning assets | $469,922,400 | 1,346 |
| Average equity | $61,473,400 | 1,269 |
| Average total loans | $369,755,400 | 1,274 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 2,317 |
| Cost of funding earning assets | 0.3701% | 3,328 |
| Net interest margin | 3.8854% | 2,027 |
| Noninterest income to average assets | 0.7598% | 1,931 |
| Noninterest expense to average assets | 2.8851% | 2,684 |
| Loan and lease loss provision to assets | -0.0003% | 5,618 |
| Net operating income to assets | 1.4705% | 931 |
| Return on assets (ROA) | 1.4726% | 970 |
| Pretax return on assets | 1.4726% | 1,797 |
| Return on Equity (ROE) | 11.9871% | 1,328 |
| Retained earnings to average equity (ytd only) | 1.0319% | 5,078 |
| Net charge-offs to loans | 0.0336% | 2,968 |
| Credit loss provision to net charge-offs | -1.0753% | 4,592 |
| Earnings coverage of net charge-offs (x) | 60.2351% | 955 |
| Efficiency ratio | 66.2127% | 3,560 |
| Assets per employee ($millions) | 3.3111% | 5,032 |
| Cash dividends to net income (ytd only)* | 91.3918% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 2,060 |
| Loan loss allowance to noncurrent loans | 250.8499% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 3,064 |
| Noncurrent loans to loans | 0.5706% | 3,288 |
| Net loans and leases to total assets | 71.2894% | 2,299 |
| Net loans and leases to deposits | 84.6468% | 2,412 |
| Net loans and leases to core deposits | 88.0015% | 2,762 |
| Total domestic deposits to total assets | 84.2199% | 3,135 |
| Equity capital to assets | 12.2528% | 1,940 |
| Core capital (leverage) ratio | 11.1828% | 2,283 |
| Tier 1 risk-based capital ratio | 15.7674% | 2,714 |
| Total risk-based capital ratio | 17.0202% | 2,652 |
| Memoranda: | ||
| Average total assets | $508,023,250 | 1,355 |
| Average earning assets | $470,119,750 | 1,347 |
| Average equity | $62,409,750 | 1,263 |
| Average total loans | $369,570,250 | 1,275 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 2,251 |
| Cost of funding earning assets | 0.3689% | 3,363 |
| Net interest margin | 3.9016% | 1,973 |
| Noninterest income to average assets | 0.7537% | 1,916 |
| Noninterest expense to average assets | 2.8628% | 2,797 |
| Loan and lease loss provision to assets | -0.0008% | 5,739 |
| Net operating income to assets | 1.5011% | 892 |
| Return on assets (ROA) | 1.5043% | 929 |
| Pretax return on assets | 1.5043% | 1,655 |
| Return on Equity (ROE) | 12.2341% | 1,230 |
| Retained earnings to average equity (ytd only) | -1.4682% | 5,488 |
| Net charge-offs to loans | 0.0320% | 2,821 |
| Credit loss provision to net charge-offs | -3.3898% | 4,438 |
| Earnings coverage of net charge-offs (x) | 64.3729% | 836 |
| Efficiency ratio | 65.6043% | 3,744 |
| Assets per employee ($millions) | 3.2242% | 5,169 |
| Cash dividends to net income (ytd only)* | 112.0011% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 2,124 |
| Loan loss allowance to noncurrent loans | 221.6003% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 2,977 |
| Noncurrent loans to loans | 0.6484% | 3,129 |
| Net loans and leases to total assets | 72.4326% | 2,100 |
| Net loans and leases to deposits | 86.0752% | 2,247 |
| Net loans and leases to core deposits | 89.2153% | 2,615 |
| Total domestic deposits to total assets | 84.1503% | 3,213 |
| Equity capital to assets | 12.2324% | 1,954 |
| Core capital (leverage) ratio | 10.9642% | 2,471 |
| Tier 1 risk-based capital ratio | 15.9642% | 2,661 |
| Total risk-based capital ratio | 17.2179% | 2,595 |
| Memoranda: | ||
| Average total assets | $506,292,670 | 1,366 |
| Average earning assets | $468,370,670 | 1,356 |
| Average equity | $62,252,000 | 1,268 |
| Average total loans | $369,033,330 | 1,269 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,319 |
| Cost of funding earning assets | 0.3695% | 3,402 |
| Net interest margin | 3.8753% | 2,009 |
| Noninterest income to average assets | 0.7339% | 1,886 |
| Noninterest expense to average assets | 2.9135% | 2,660 |
| Loan and lease loss provision to assets | -0.0016% | 5,858 |
| Net operating income to assets | 1.4093% | 1,023 |
| Return on assets (ROA) | 1.4093% | 1,078 |
| Pretax return on assets | 1.4093% | 1,877 |
| Return on Equity (ROE) | 11.4327% | 1,472 |
| Retained earnings to average equity (ytd only) | 5.4920% | 2,658 |
| Net charge-offs to loans | 0.0022% | 3,048 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | 891.0000% | 50 |
| Efficiency ratio | 67.4040% | 3,557 |
| Assets per employee ($millions) | 3.2531% | 5,195 |
| Cash dividends to net income (ytd only)* | 51.9619% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 2,101 |
| Loan loss allowance to noncurrent loans | 217.9984% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 2,969 |
| Noncurrent loans to loans | 0.6758% | 3,150 |
| Net loans and leases to total assets | 71.1876% | 2,156 |
| Net loans and leases to deposits | 84.4747% | 2,254 |
| Net loans and leases to core deposits | 87.2873% | 2,632 |
| Total domestic deposits to total assets | 84.2709% | 3,411 |
| Equity capital to assets | 12.4279% | 1,726 |
| Core capital (leverage) ratio | 11.3673% | 2,078 |
| Tier 1 risk-based capital ratio | 17.1598% | 2,227 |
| Total risk-based capital ratio | 18.4145% | 2,194 |
| Memoranda: | ||
| Average total assets | $506,336,000 | 1,364 |
| Average earning assets | $468,716,500 | 1,353 |
| Average equity | $62,417,500 | 1,257 |
| Average total loans | $367,548,500 | 1,276 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 2,347 |
| Cost of funding earning assets | 0.4017% | 3,138 |
| Net interest margin | 3.8598% | 2,166 |
| Noninterest income to average assets | 0.7896% | 1,827 |
| Noninterest expense to average assets | 2.8466% | 3,046 |
| Loan and lease loss provision to assets | 0.0037% | 4,321 |
| Net operating income to assets | 1.5059% | 857 |
| Return on assets (ROA) | 1.5255% | 852 |
| Pretax return on assets | 1.5255% | 1,477 |
| Return on Equity (ROE) | 12.6916% | 1,131 |
| Retained earnings to average equity (ytd only) | 3.6327% | 3,465 |
| Net charge-offs to loans | 0.0584% | 3,048 |
| Credit loss provision to net charge-offs | 8.8785% | 3,830 |
| Earnings coverage of net charge-offs (x) | 35.8972% | 1,277 |
| Efficiency ratio | 65.3239% | 4,021 |
| Assets per employee ($millions) | 3.1773% | 5,317 |
| Cash dividends to net income (ytd only)* | 71.3770% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 2,145 |
| Loan loss allowance to noncurrent loans | 171.0759% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 2,540 |
| Noncurrent loans to loans | 0.8577% | 2,636 |
| Net loans and leases to total assets | 71.8591% | 2,079 |
| Net loans and leases to deposits | 86.1654% | 2,114 |
| Net loans and leases to core deposits | 89.2542% | 2,472 |
| Total domestic deposits to total assets | 83.3966% | 3,711 |
| Equity capital to assets | 12.2262% | 1,792 |
| Core capital (leverage) ratio | 11.2949% | 2,124 |
| Tier 1 risk-based capital ratio | 16.5173% | 2,471 |
| Total risk-based capital ratio | 17.7716% | 2,427 |
| Memoranda: | ||
| Average total assets | $508,879,600 | 1,322 |
| Average earning assets | $470,233,800 | 1,314 |
| Average equity | $61,166,400 | 1,239 |
| Average total loans | $366,477,000 | 1,244 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2553% | 2,386 |
| Cost of funding earning assets | 0.4077% | 3,147 |
| Net interest margin | 3.8476% | 2,200 |
| Noninterest income to average assets | 0.7315% | 2,102 |
| Noninterest expense to average assets | 2.8233% | 3,097 |
| Loan and lease loss provision to assets | 0.0050% | 4,166 |
| Net operating income to assets | 1.4578% | 994 |
| Return on assets (ROA) | 1.4839% | 977 |
| Pretax return on assets | 1.4839% | 1,724 |
| Return on Equity (ROE) | 12.3985% | 1,267 |
| Retained earnings to average equity (ytd only) | 4.4970% | 3,270 |
| Net charge-offs to loans | 0.0466% | 2,961 |
| Credit loss provision to net charge-offs | 14.8438% | 3,410 |
| Earnings coverage of net charge-offs (x) | 43.6959% | 1,155 |
| Efficiency ratio | 65.8409% | 3,914 |
| Assets per employee ($millions) | 3.1865% | 5,319 |
| Cash dividends to net income (ytd only)* | 63.7293% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 2,172 |
| Loan loss allowance to noncurrent loans | 146.8449% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 2,701 |
| Noncurrent loans to loans | 1.0190% | 2,437 |
| Net loans and leases to total assets | 71.8103% | 2,092 |
| Net loans and leases to deposits | 85.5435% | 2,200 |
| Net loans and leases to core deposits | 88.5534% | 2,603 |
| Total domestic deposits to total assets | 83.9459% | 3,455 |
| Equity capital to assets | 12.3258% | 1,856 |
| Core capital (leverage) ratio | 11.0730% | 2,410 |
| Tier 1 risk-based capital ratio | 16.7325% | 2,465 |
| Total risk-based capital ratio | 17.9874% | 2,419 |
| Memoranda: | ||
| Average total assets | $509,801,250 | 1,322 |
| Average earning assets | $470,960,000 | 1,318 |
| Average equity | $61,016,500 | 1,245 |
| Average total loans | $365,988,000 | 1,247 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 2,481 |
| Cost of funding earning assets | 0.4131% | 3,124 |
| Net interest margin | 3.8070% | 2,280 |
| Noninterest income to average assets | 0.7310% | 2,085 |
| Noninterest expense to average assets | 2.7888% | 3,277 |
| Loan and lease loss provision to assets | 0.0074% | 3,959 |
| Net operating income to assets | 1.4526% | 982 |
| Return on assets (ROA) | 1.4917% | 955 |
| Pretax return on assets | 1.4917% | 1,672 |
| Return on Equity (ROE) | 12.5862% | 1,202 |
| Retained earnings to average equity (ytd only) | 2.7658% | 4,291 |
| Net charge-offs to loans | 0.0290% | 3,087 |
| Credit loss provision to net charge-offs | 35.8491% | 2,864 |
| Earnings coverage of net charge-offs (x) | 70.5094% | 771 |
| Efficiency ratio | 65.6368% | 4,078 |
| Assets per employee ($millions) | 3.1807% | 5,370 |
| Cash dividends to net income (ytd only)* | 78.0251% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 2,264 |
| Loan loss allowance to noncurrent loans | 207.4916% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 3,299 |
| Noncurrent loans to loans | 0.7268% | 3,303 |
| Net loans and leases to total assets | 71.4455% | 2,076 |
| Net loans and leases to deposits | 85.1684% | 2,152 |
| Net loans and leases to core deposits | 88.2585% | 2,530 |
| Total domestic deposits to total assets | 83.8873% | 3,617 |
| Equity capital to assets | 11.8908% | 2,112 |
| Core capital (leverage) ratio | 10.6529% | 2,785 |
| Tier 1 risk-based capital ratio | 16.6026% | 2,566 |
| Total risk-based capital ratio | 17.8585% | 2,518 |
| Memoranda: | ||
| Average total assets | $511,910,330 | 1,331 |
| Average earning assets | $473,018,000 | 1,320 |
| Average equity | $60,669,670 | 1,261 |
| Average total loans | $365,638,000 | 1,255 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 2,577 |
| Cost of funding earning assets | 0.4205% | 3,070 |
| Net interest margin | 3.7453% | 2,449 |
| Noninterest income to average assets | 0.7526% | 1,901 |
| Noninterest expense to average assets | 2.7853% | 3,300 |
| Loan and lease loss provision to assets | 0.0148% | 3,531 |
| Net operating income to assets | 1.4149% | 1,007 |
| Return on assets (ROA) | 1.4935% | 915 |
| Pretax return on assets | 1.4935% | 1,587 |
| Return on Equity (ROE) | 12.6227% | 1,183 |
| Retained earnings to average equity (ytd only) | 7.1509% | 1,946 |
| Net charge-offs to loans | 0.0363% | 2,485 |
| Credit loss provision to net charge-offs | 57.5758% | 2,031 |
| Earnings coverage of net charge-offs (x) | 55.6061% | 777 |
| Efficiency ratio | 66.0813% | 4,145 |
| Assets per employee ($millions) | 2.9873% | 5,682 |
| Cash dividends to net income (ytd only)* | 43.3490% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 2,352 |
| Loan loss allowance to noncurrent loans | 183.4209% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 3,340 |
| Noncurrent loans to loans | 0.8311% | 3,163 |
| Net loans and leases to total assets | 69.4388% | 2,213 |
| Net loans and leases to deposits | 82.3072% | 2,300 |
| Net loans and leases to core deposits | 85.2835% | 2,618 |
| Total domestic deposits to total assets | 84.3654% | 3,667 |
| Equity capital to assets | 11.8174% | 2,177 |
| Core capital (leverage) ratio | 10.7501% | 2,691 |
| Tier 1 risk-based capital ratio | 17.1040% | 2,442 |
| Total risk-based capital ratio | 18.3599% | 2,396 |
| Memoranda: | ||
| Average total assets | $513,408,500 | 1,335 |
| Average earning assets | $474,617,000 | 1,327 |
| Average equity | $60,747,500 | 1,263 |
| Average total loans | $363,875,500 | 1,261 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 2,306 |
| Cost of funding earning assets | 0.4617% | 3,055 |
| Net interest margin | 3.9120% | 2,194 |
| Noninterest income to average assets | 0.7660% | 2,011 |
| Noninterest expense to average assets | 2.8543% | 3,283 |
| Loan and lease loss provision to assets | 0.0794% | 2,898 |
| Net operating income to assets | 1.4464% | 990 |
| Return on assets (ROA) | 1.4471% | 1,017 |
| Pretax return on assets | 1.4471% | 1,728 |
| Return on Equity (ROE) | 12.3793% | 1,300 |
| Retained earnings to average equity (ytd only) | 1.4049% | 5,138 |
| Net charge-offs to loans | 0.0896% | 3,210 |
| Credit loss provision to net charge-offs | 122.4924% | 1,953 |
| Earnings coverage of net charge-offs (x) | 23.5502% | 1,577 |
| Efficiency ratio | 65.1666% | 4,379 |
| Assets per employee ($millions) | 3.1106% | 5,550 |
| Cash dividends to net income (ytd only)* | 88.6515% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 2,252 |
| Loan loss allowance to noncurrent loans | 150.6860% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 2,951 |
| Noncurrent loans to loans | 1.0290% | 2,769 |
| Net loans and leases to total assets | 70.1397% | 2,221 |
| Net loans and leases to deposits | 83.6236% | 2,260 |
| Net loans and leases to core deposits | 86.7285% | 2,627 |
| Total domestic deposits to total assets | 83.8754% | 3,776 |
| Equity capital to assets | 11.8473% | 2,134 |
| Core capital (leverage) ratio | 10.6009% | 2,835 |
| Tier 1 risk-based capital ratio | 17.7771% | 2,207 |
| Total risk-based capital ratio | 19.0322% | 2,171 |
| Memoranda: | ||
| Average total assets | $507,829,400 | 1,319 |
| Average earning assets | $469,148,200 | 1,308 |
| Average equity | $59,365,000 | 1,233 |
| Average total loans | $367,068,800 | 1,206 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 2,257 |
| Cost of funding earning assets | 0.4723% | 3,033 |
| Net interest margin | 3.9167% | 2,171 |
| Noninterest income to average assets | 0.7401% | 2,139 |
| Noninterest expense to average assets | 2.8300% | 3,350 |
| Loan and lease loss provision to assets | 0.1052% | 2,281 |
| Net operating income to assets | 1.4222% | 1,087 |
| Return on assets (ROA) | 1.4222% | 1,125 |
| Pretax return on assets | 1.4222% | 1,920 |
| Return on Equity (ROE) | 12.2070% | 1,423 |
| Retained earnings to average equity (ytd only) | 1.0790% | 5,455 |
| Net charge-offs to loans | 0.0829% | 3,019 |
| Credit loss provision to net charge-offs | 175.1092% | 1,423 |
| Earnings coverage of net charge-offs (x) | 25.4145% | 1,508 |
| Efficiency ratio | 64.9461% | 4,379 |
| Assets per employee ($millions) | 3.1728% | 5,484 |
| Cash dividends to net income (ytd only)* | 91.1607% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 2,393 |
| Loan loss allowance to noncurrent loans | 166.8326% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 3,267 |
| Noncurrent loans to loans | 0.9445% | 3,203 |
| Net loans and leases to total assets | 70.1216% | 2,176 |
| Net loans and leases to deposits | 84.0016% | 2,150 |
| Net loans and leases to core deposits | 87.2695% | 2,508 |
| Total domestic deposits to total assets | 83.4765% | 3,959 |
| Equity capital to assets | 11.7394% | 2,272 |
| Core capital (leverage) ratio | 10.5031% | 3,035 |
| Tier 1 risk-based capital ratio | 17.5888% | 2,359 |
| Total risk-based capital ratio | 18.8451% | 2,317 |
| Memoranda: | ||
| Average total assets | $508,028,250 | 1,332 |
| Average earning assets | $469,188,250 | 1,318 |
| Average equity | $59,188,750 | 1,245 |
| Average total loans | $368,527,750 | 1,202 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 2,249 |
| Cost of funding earning assets | 0.4833% | 2,995 |
| Net interest margin | 3.8991% | 2,172 |
| Noninterest income to average assets | 0.7864% | 1,892 |
| Noninterest expense to average assets | 2.7751% | 3,595 |
| Loan and lease loss provision to assets | 0.1204% | 2,044 |
| Net operating income to assets | 1.4944% | 880 |
| Return on assets (ROA) | 1.4944% | 911 |
| Pretax return on assets | 1.4944% | 1,552 |
| Return on Equity (ROE) | 12.8595% | 1,213 |
| Retained earnings to average equity (ytd only) | -1.3141% | 5,902 |
| Net charge-offs to loans | 0.1300% | 2,364 |
| Credit loss provision to net charge-offs | 126.9710% | 1,638 |
| Earnings coverage of net charge-offs (x) | 17.0249% | 1,755 |
| Efficiency ratio | 63.2150% | 4,815 |
| Assets per employee ($millions) | 3.1100% | 5,581 |
| Cash dividends to net income (ytd only)* | 110.2186% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 2,848 |
| Loan loss allowance to noncurrent loans | 141.6055% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 3,261 |
| Noncurrent loans to loans | 1.0668% | 3,098 |
| Net loans and leases to total assets | 72.3640% | 1,677 |
| Net loans and leases to deposits | 86.3319% | 1,789 |
| Net loans and leases to core deposits | 89.7674% | 2,147 |
| Total domestic deposits to total assets | 83.8206% | 3,985 |
| Equity capital to assets | 11.6404% | 2,285 |
| Core capital (leverage) ratio | 10.3085% | 3,205 |
| Tier 1 risk-based capital ratio | 17.1823% | 2,543 |
| Total risk-based capital ratio | 18.4398% | 2,500 |
| Memoranda: | ||
| Average total assets | $508,157,330 | 1,329 |
| Average earning assets | $469,645,670 | 1,308 |
| Average equity | $59,053,670 | 1,238 |
| Average total loans | $370,815,330 | 1,191 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,376 |
| Cost of funding earning assets | 0.5053% | 2,849 |
| Net interest margin | 3.8319% | 2,334 |
| Noninterest income to average assets | 0.8073% | 1,717 |
| Noninterest expense to average assets | 2.7371% | 3,810 |
| Loan and lease loss provision to assets | 0.0972% | 2,304 |
| Net operating income to assets | 1.5214% | 777 |
| Return on assets (ROA) | 1.5214% | 815 |
| Pretax return on assets | 1.5214% | 1,367 |
| Return on Equity (ROE) | 13.1022% | 1,138 |
| Retained earnings to average equity (ytd only) | 6.8920% | 2,093 |
| Net charge-offs to loans | 0.0690% | 2,461 |
| Credit loss provision to net charge-offs | 193.7500% | 1,071 |
| Earnings coverage of net charge-offs (x) | 32.2656% | 1,005 |
| Efficiency ratio | 62.8397% | 5,017 |
| Assets per employee ($millions) | 3.2504% | 5,447 |
| Cash dividends to net income (ytd only)* | 47.3982% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 3,067 |
| Loan loss allowance to noncurrent loans | 179.5886% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 3,997 |
| Noncurrent loans to loans | 0.8454% | 3,777 |
| Net loans and leases to total assets | 69.6893% | 1,944 |
| Net loans and leases to deposits | 83.7485% | 1,847 |
| Net loans and leases to core deposits | 87.1929% | 2,177 |
| Total domestic deposits to total assets | 83.2125% | 4,529 |
| Equity capital to assets | 11.5148% | 2,234 |
| Core capital (leverage) ratio | 10.5939% | 2,816 |
| Tier 1 risk-based capital ratio | 17.9700% | 2,309 |
| Total risk-based capital ratio | 19.2274% | 2,282 |
| Memoranda: | ||
| Average total assets | $510,325,500 | 1,324 |
| Average earning assets | $472,562,500 | 1,307 |
| Average equity | $59,257,000 | 1,231 |
| Average total loans | $371,134,500 | 1,190 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,151 |
| Cost of funding earning assets | 0.6006% | 2,651 |
| Net interest margin | 3.9140% | 2,239 |
| Noninterest income to average assets | 0.7374% | 2,346 |
| Noninterest expense to average assets | 2.8235% | 3,640 |
| Loan and lease loss provision to assets | 0.2722% | 1,294 |
| Net operating income to assets | 1.2598% | 1,363 |
| Return on assets (ROA) | 1.2598% | 1,419 |
| Pretax return on assets | 1.2598% | 2,314 |
| Return on Equity (ROE) | 11.0043% | 1,766 |
| Retained earnings to average equity (ytd only) | 1.9871% | 4,821 |
| Net charge-offs to loans | 0.3165% | 2,106 |
| Credit loss provision to net charge-offs | 115.7938% | 2,086 |
| Earnings coverage of net charge-offs (x) | 6.5162% | 3,049 |
| Efficiency ratio | 64.8255% | 4,763 |
| Assets per employee ($millions) | 3.1683% | 5,552 |
| Cash dividends to net income (ytd only)* | 81.9423% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 3,299 |
| Loan loss allowance to noncurrent loans | 196.3410% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 4,167 |
| Noncurrent loans to loans | 0.7522% | 4,086 |
| Net loans and leases to total assets | 73.6587% | 1,408 |
| Net loans and leases to deposits | 87.9644% | 1,471 |
| Net loans and leases to core deposits | 92.0205% | 1,794 |
| Total domestic deposits to total assets | 83.7370% | 4,270 |
| Equity capital to assets | 11.7122% | 2,019 |
| Core capital (leverage) ratio | 10.5067% | 2,911 |
| Tier 1 risk-based capital ratio | 17.4914% | 2,418 |
| Total risk-based capital ratio | 18.7487% | 2,394 |
| Memoranda: | ||
| Average total assets | $511,662,200 | 1,297 |
| Average earning assets | $472,998,600 | 1,285 |
| Average equity | $58,577,200 | 1,231 |
| Average total loans | $380,076,800 | 1,122 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 2,225 |
| Cost of funding earning assets | 0.6201% | 2,646 |
| Net interest margin | 3.8809% | 2,340 |
| Noninterest income to average assets | 0.6949% | 2,637 |
| Noninterest expense to average assets | 2.7717% | 3,756 |
| Loan and lease loss provision to assets | 0.2498% | 1,433 |
| Net operating income to assets | 1.2583% | 1,458 |
| Return on assets (ROA) | 1.2583% | 1,523 |
| Pretax return on assets | 1.2583% | 2,487 |
| Return on Equity (ROE) | 11.0532% | 1,803 |
| Retained earnings to average equity (ytd only) | 1.1907% | 5,504 |
| Net charge-offs to loans | 0.2736% | 2,182 |
| Credit loss provision to net charge-offs | 123.1162% | 1,907 |
| Earnings coverage of net charge-offs (x) | 7.4317% | 2,795 |
| Efficiency ratio | 64.7611% | 4,686 |
| Assets per employee ($millions) | 3.2488% | 5,390 |
| Cash dividends to net income (ytd only)* | 89.2277% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 3,612 |
| Loan loss allowance to noncurrent loans | 150.6004% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 4,078 |
| Noncurrent loans to loans | 0.9739% | 3,860 |
| Net loans and leases to total assets | 72.6751% | 1,506 |
| Net loans and leases to deposits | 87.0430% | 1,486 |
| Net loans and leases to core deposits | 90.9272% | 1,879 |
| Total domestic deposits to total assets | 83.4933% | 4,383 |
| Equity capital to assets | 11.4123% | 2,367 |
| Core capital (leverage) ratio | 10.3813% | 3,132 |
| Tier 1 risk-based capital ratio | 17.3142% | 2,577 |
| Total risk-based capital ratio | 18.5713% | 2,544 |
| Memoranda: | ||
| Average total assets | $514,430,000 | 1,299 |
| Average earning assets | $475,208,000 | 1,292 |
| Average equity | $58,564,000 | 1,237 |
| Average total loans | $381,532,000 | 1,122 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 2,220 |
| Cost of funding earning assets | 0.6458% | 2,530 |
| Net interest margin | 3.8492% | 2,380 |
| Noninterest income to average assets | 0.6932% | 2,674 |
| Noninterest expense to average assets | 2.7033% | 4,019 |
| Loan and lease loss provision to assets | 0.3237% | 1,078 |
| Net operating income to assets | 1.2293% | 1,517 |
| Return on assets (ROA) | 1.2293% | 1,619 |
| Pretax return on assets | 1.2293% | 2,562 |
| Return on Equity (ROE) | 10.8074% | 1,878 |
| Retained earnings to average equity (ytd only) | -3.0128% | 6,311 |
| Net charge-offs to loans | 0.1315% | 3,059 |
| Credit loss provision to net charge-offs | 331.3492% | 788 |
| Earnings coverage of net charge-offs (x) | 15.8968% | 1,699 |
| Efficiency ratio | 63.5122% | 4,931 |
| Assets per employee ($millions) | 3.3286% | 5,213 |
| Cash dividends to net income (ytd only)* | 127.8776% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 3,388 |
| Loan loss allowance to noncurrent loans | 179.4483% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8123% | 4,196 |
| Noncurrent loans to loans | 0.8610% | 4,205 |
| Net loans and leases to total assets | 74.0782% | 1,233 |
| Net loans and leases to deposits | 87.6437% | 1,386 |
| Net loans and leases to core deposits | 91.3810% | 1,773 |
| Total domestic deposits to total assets | 84.5220% | 4,119 |
| Equity capital to assets | 11.2101% | 2,549 |
| Core capital (leverage) ratio | 9.9146% | 3,639 |
| Tier 1 risk-based capital ratio | 16.7175% | 2,833 |
| Total risk-based capital ratio | 17.9761% | 2,798 |
| Memoranda: | ||
| Average total assets | $515,885,000 | 1,298 |
| Average earning assets | $477,559,670 | 1,288 |
| Average equity | $58,682,000 | 1,235 |
| Average total loans | $383,306,670 | 1,115 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 2,307 |
| Cost of funding earning assets | 0.6682% | 2,492 |
| Net interest margin | 3.7942% | 2,472 |
| Noninterest income to average assets | 0.7173% | 2,498 |
| Noninterest expense to average assets | 2.6141% | 4,359 |
| Loan and lease loss provision to assets | 0.5208% | 510 |
| Net operating income to assets | 1.0909% | 1,895 |
| Return on assets (ROA) | 1.0909% | 2,002 |
| Pretax return on assets | 1.0909% | 2,991 |
| Return on Equity (ROE) | 9.5228% | 2,253 |
| Retained earnings to average equity (ytd only) | 3.4366% | 4,190 |
| Net charge-offs to loans | 0.2149% | 2,132 |
| Credit loss provision to net charge-offs | 328.1553% | 739 |
| Earnings coverage of net charge-offs (x) | 10.1553% | 1,771 |
| Efficiency ratio | 61.8596% | 5,324 |
| Assets per employee ($millions) | 3.4350% | 5,121 |
| Cash dividends to net income (ytd only)* | 63.9124% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 3,740 |
| Loan loss allowance to noncurrent loans | 207.0970% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 4,757 |
| Noncurrent loans to loans | 0.7337% | 4,665 |
| Net loans and leases to total assets | 72.0832% | 1,337 |
| Net loans and leases to deposits | 86.1437% | 1,338 |
| Net loans and leases to core deposits | 90.3504% | 1,670 |
| Total domestic deposits to total assets | 83.6779% | 4,603 |
| Equity capital to assets | 11.4254% | 2,485 |
| Core capital (leverage) ratio | 10.1688% | 3,185 |
| Tier 1 risk-based capital ratio | 17.1074% | 2,704 |
| Total risk-based capital ratio | 18.3653% | 2,674 |
| Memoranda: | ||
| Average total assets | $519,192,000 | 1,301 |
| Average earning assets | $480,097,000 | 1,293 |
| Average equity | $59,478,000 | 1,233 |
| Average total loans | $383,370,500 | 1,113 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 2,589 |
| Cost of funding earning assets | 0.7822% | 2,807 |
| Net interest margin | 3.9192% | 2,749 |
| Noninterest income to average assets | 0.6710% | 2,876 |
| Noninterest expense to average assets | 2.6029% | 4,735 |
| Loan and lease loss provision to assets | 0.1299% | 3,993 |
| Net operating income to assets | 1.5731% | 794 |
| Return on assets (ROA) | 1.5837% | 857 |
| Pretax return on assets | 1.5837% | 1,429 |
| Return on Equity (ROE) | 14.0473% | 981 |
| Retained earnings to average equity (ytd only) | 3.4470% | 3,802 |
| Net charge-offs to loans | 0.1560% | 4,142 |
| Credit loss provision to net charge-offs | 115.3846% | 2,512 |
| Earnings coverage of net charge-offs (x) | 15.1248% | 1,673 |
| Efficiency ratio | 60.4488% | 5,479 |
| Assets per employee ($millions) | 3.3524% | 5,327 |
| Cash dividends to net income (ytd only)* | 75.4618% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 4,224 |
| Loan loss allowance to noncurrent loans | 227.5906% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 4,985 |
| Noncurrent loans to loans | 0.6098% | 4,989 |
| Net loans and leases to total assets | 73.4578% | 1,266 |
| Net loans and leases to deposits | 88.8857% | 1,176 |
| Net loans and leases to core deposits | 93.0488% | 1,551 |
| Total domestic deposits to total assets | 82.6430% | 4,874 |
| Equity capital to assets | 11.4867% | 2,462 |
| Core capital (leverage) ratio | 10.1073% | 3,264 |
| Tier 1 risk-based capital ratio | 16.9949% | 2,657 |
| Total risk-based capital ratio | 18.2509% | 2,619 |
| Memoranda: | ||
| Average total assets | $519,531,600 | 1,283 |
| Average earning assets | $481,861,600 | 1,266 |
| Average equity | $58,573,400 | 1,212 |
| Average total loans | $375,085,800 | 1,115 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 2,786 |
| Cost of funding earning assets | 0.8018% | 2,924 |
| Net interest margin | 3.9042% | 2,900 |
| Noninterest income to average assets | 0.6419% | 3,034 |
| Noninterest expense to average assets | 2.5698% | 4,847 |
| Loan and lease loss provision to assets | 0.1166% | 4,099 |
| Net operating income to assets | 1.5812% | 889 |
| Return on assets (ROA) | 1.5812% | 990 |
| Pretax return on assets | 1.5812% | 1,639 |
| Return on Equity (ROE) | 14.0908% | 1,093 |
| Retained earnings to average equity (ytd only) | 3.1671% | 4,645 |
| Net charge-offs to loans | 0.0626% | 4,796 |
| Credit loss provision to net charge-offs | 260.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 37.8625% | 921 |
| Efficiency ratio | 60.2162% | 5,462 |
| Assets per employee ($millions) | 3.3701% | 5,279 |
| Cash dividends to net income (ytd only)* | 77.5240% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 4,201 |
| Loan loss allowance to noncurrent loans | 252.2592% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 5,252 |
| Noncurrent loans to loans | 0.5703% | 5,295 |
| Net loans and leases to total assets | 73.9214% | 1,256 |
| Net loans and leases to deposits | 88.9068% | 1,258 |
| Net loans and leases to core deposits | 92.5938% | 1,720 |
| Total domestic deposits to total assets | 83.1449% | 4,585 |
| Equity capital to assets | 11.5756% | 2,673 |
| Core capital (leverage) ratio | 10.0004% | 3,540 |
| Tier 1 risk-based capital ratio | 16.8713% | 2,797 |
| Total risk-based capital ratio | 18.1283% | 2,756 |
| Memoranda: | ||
| Average total assets | $520,348,250 | 1,300 |
| Average earning assets | $483,222,500 | 1,276 |
| Average equity | $58,391,250 | 1,217 |
| Average total loans | $372,713,750 | 1,134 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 2,974 |
| Cost of funding earning assets | 0.8216% | 3,018 |
| Net interest margin | 3.8646% | 3,067 |
| Noninterest income to average assets | 0.6302% | 3,074 |
| Noninterest expense to average assets | 2.5558% | 4,940 |
| Loan and lease loss provision to assets | 0.0960% | 4,340 |
| Net operating income to assets | 1.5685% | 882 |
| Return on assets (ROA) | 1.5685% | 992 |
| Pretax return on assets | 1.5685% | 1,644 |
| Return on Equity (ROE) | 14.1231% | 1,086 |
| Retained earnings to average equity (ytd only) | 0.4545% | 5,887 |
| Net charge-offs to loans | 0.0808% | 4,337 |
| Credit loss provision to net charge-offs | 168.4564% | 1,660 |
| Earnings coverage of net charge-offs (x) | 29.2148% | 1,091 |
| Efficiency ratio | 60.5599% | 5,491 |
| Assets per employee ($millions) | 3.4404% | 5,108 |
| Cash dividends to net income (ytd only)* | 96.7821% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 4,337 |
| Loan loss allowance to noncurrent loans | 274.7304% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 5,375 |
| Noncurrent loans to loans | 0.5210% | 5,483 |
| Net loans and leases to total assets | 70.4437% | 1,838 |
| Net loans and leases to deposits | 82.3960% | 2,064 |
| Net loans and leases to core deposits | 85.9130% | 2,438 |
| Total domestic deposits to total assets | 85.4940% | 3,613 |
| Equity capital to assets | 11.0666% | 3,048 |
| Core capital (leverage) ratio | 9.6489% | 3,923 |
| Tier 1 risk-based capital ratio | 16.7924% | 2,764 |
| Total risk-based capital ratio | 18.0494% | 2,714 |
| Memoranda: | ||
| Average total assets | $523,044,670 | 1,297 |
| Average earning assets | $485,895,330 | 1,270 |
| Average equity | $58,089,330 | 1,221 |
| Average total loans | $368,886,330 | 1,144 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 3,069 |
| Cost of funding earning assets | 0.8493% | 3,071 |
| Net interest margin | 3.8464% | 3,150 |
| Noninterest income to average assets | 0.6049% | 3,198 |
| Noninterest expense to average assets | 2.6175% | 4,752 |
| Loan and lease loss provision to assets | 0.0826% | 4,356 |
| Net operating income to assets | 1.4789% | 1,063 |
| Return on assets (ROA) | 1.4789% | 1,186 |
| Pretax return on assets | 1.4789% | 1,932 |
| Return on Equity (ROE) | 13.2926% | 1,326 |
| Retained earnings to average equity (ytd only) | 6.9693% | 2,450 |
| Net charge-offs to loans | 0.0491% | 4,015 |
| Credit loss provision to net charge-offs | 240.0000% | 1,181 |
| Earnings coverage of net charge-offs (x) | 45.3778% | 680 |
| Efficiency ratio | 62.6349% | 5,166 |
| Assets per employee ($millions) | 3.4895% | 5,139 |
| Cash dividends to net income (ytd only)* | 47.5698% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 4,440 |
| Loan loss allowance to noncurrent loans | 338.0013% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 5,479 |
| Noncurrent loans to loans | 0.4250% | 5,818 |
| Net loans and leases to total assets | 69.1373% | 1,927 |
| Net loans and leases to deposits | 80.9321% | 2,068 |
| Net loans and leases to core deposits | 84.6375% | 2,460 |
| Total domestic deposits to total assets | 85.4263% | 3,825 |
| Equity capital to assets | 11.1326% | 2,773 |
| Core capital (leverage) ratio | 9.8327% | 3,596 |
| Tier 1 risk-based capital ratio | 17.3055% | 2,549 |
| Total risk-based capital ratio | 18.5625% | 2,520 |
| Memoranda: | ||
| Average total assets | $523,095,000 | 1,298 |
| Average earning assets | $486,069,500 | 1,274 |
| Average equity | $58,198,000 | 1,221 |
| Average total loans | $366,464,500 | 1,150 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 2,906 |
| Cost of funding earning assets | 1.0626% | 2,936 |
| Net interest margin | 3.9322% | 3,195 |
| Noninterest income to average assets | 0.5847% | 3,251 |
| Noninterest expense to average assets | 2.5007% | 5,461 |
| Loan and lease loss provision to assets | 0.1677% | 4,544 |
| Net operating income to assets | 1.5696% | 717 |
| Return on assets (ROA) | 1.5696% | 770 |
| Pretax return on assets | 1.5696% | 1,281 |
| Return on Equity (ROE) | 14.3095% | 861 |
| Retained earnings to average equity (ytd only) | 3.2813% | 3,888 |
| Net charge-offs to loans | 0.1666% | 4,818 |
| Credit loss provision to net charge-offs | 139.5462% | 2,116 |
| Earnings coverage of net charge-offs (x) | 14.4571% | 1,457 |
| Efficiency ratio | 58.8373% | 5,933 |
| Assets per employee ($millions) | 3.3940% | 5,264 |
| Cash dividends to net income (ytd only)* | 77.0691% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 4,271 |
| Loan loss allowance to noncurrent loans | 349.1018% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 5,515 |
| Noncurrent loans to loans | 0.4137% | 5,891 |
| Net loans and leases to total assets | 68.9572% | 2,217 |
| Net loans and leases to deposits | 80.4825% | 2,433 |
| Net loans and leases to core deposits | 84.7408% | 2,779 |
| Total domestic deposits to total assets | 85.6797% | 3,493 |
| Equity capital to assets | 11.1187% | 2,871 |
| Core capital (leverage) ratio | 9.6690% | 3,781 |
| Tier 1 risk-based capital ratio | 17.2644% | 2,484 |
| Total risk-based capital ratio | 18.5215% | 2,452 |
| Memoranda: | ||
| Average total assets | $513,450,000 | 1,304 |
| Average earning assets | $477,038,000 | 1,284 |
| Average equity | $56,319,400 | 1,209 |
| Average total loans | $370,304,600 | 1,145 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 2,887 |
| Cost of funding earning assets | 1.1019% | 2,968 |
| Net interest margin | 3.9386% | 3,194 |
| Noninterest income to average assets | 0.5591% | 3,455 |
| Noninterest expense to average assets | 2.4606% | 5,592 |
| Loan and lease loss provision to assets | 0.1789% | 4,241 |
| Net operating income to assets | 1.5797% | 802 |
| Return on assets (ROA) | 1.5797% | 875 |
| Pretax return on assets | 1.5797% | 1,437 |
| Return on Equity (ROE) | 14.4515% | 950 |
| Retained earnings to average equity (ytd only) | 3.7642% | 4,066 |
| Net charge-offs to loans | 0.1749% | 4,403 |
| Credit loss provision to net charge-offs | 140.7787% | 2,258 |
| Earnings coverage of net charge-offs (x) | 13.8381% | 1,579 |
| Efficiency ratio | 58.0916% | 5,993 |
| Assets per employee ($millions) | 3.4543% | 5,114 |
| Cash dividends to net income (ytd only)* | 73.9531% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 4,460 |
| Loan loss allowance to noncurrent loans | 304.2105% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 5,469 |
| Noncurrent loans to loans | 0.4673% | 5,909 |
| Net loans and leases to total assets | 69.6248% | 2,155 |
| Net loans and leases to deposits | 81.7865% | 2,400 |
| Net loans and leases to core deposits | 86.3980% | 2,723 |
| Total domestic deposits to total assets | 85.1300% | 3,710 |
| Equity capital to assets | 11.1518% | 3,001 |
| Core capital (leverage) ratio | 9.6452% | 3,925 |
| Tier 1 risk-based capital ratio | 17.0445% | 2,632 |
| Total risk-based capital ratio | 18.3011% | 2,585 |
| Memoranda: | ||
| Average total assets | $511,993,500 | 1,313 |
| Average earning assets | $475,792,250 | 1,288 |
| Average equity | $55,965,000 | 1,214 |
| Average total loans | $372,049,500 | 1,152 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 2,897 |
| Cost of funding earning assets | 1.1375% | 2,981 |
| Net interest margin | 3.9182% | 3,225 |
| Noninterest income to average assets | 0.5867% | 3,215 |
| Noninterest expense to average assets | 2.4587% | 5,668 |
| Loan and lease loss provision to assets | 0.1447% | 4,497 |
| Net operating income to assets | 1.6257% | 695 |
| Return on assets (ROA) | 1.6257% | 738 |
| Pretax return on assets | 1.6257% | 1,209 |
| Return on Equity (ROE) | 14.9750% | 806 |
| Retained earnings to average equity (ytd only) | 2.0015% | 4,975 |
| Net charge-offs to loans | 0.1828% | 4,066 |
| Credit loss provision to net charge-offs | 107.8947% | 2,849 |
| Earnings coverage of net charge-offs (x) | 13.1988% | 1,570 |
| Efficiency ratio | 57.7947% | 6,190 |
| Assets per employee ($millions) | 3.3738% | 5,271 |
| Cash dividends to net income (ytd only)* | 86.6345% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 4,795 |
| Loan loss allowance to noncurrent loans | 303.3776% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 5,348 |
| Noncurrent loans to loans | 0.4473% | 6,015 |
| Net loans and leases to total assets | 71.3046% | 1,937 |
| Net loans and leases to deposits | 83.2802% | 2,220 |
| Net loans and leases to core deposits | 88.2422% | 2,613 |
| Total domestic deposits to total assets | 85.6201% | 3,545 |
| Equity capital to assets | 10.9707% | 2,991 |
| Core capital (leverage) ratio | 9.5032% | 3,954 |
| Tier 1 risk-based capital ratio | 16.5076% | 2,741 |
| Total risk-based capital ratio | 17.7629% | 2,693 |
| Memoranda: | ||
| Average total assets | $509,941,330 | 1,322 |
| Average earning assets | $474,041,330 | 1,298 |
| Average equity | $55,359,000 | 1,213 |
| Average total loans | $374,078,330 | 1,164 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 2,815 |
| Cost of funding earning assets | 1.1593% | 3,091 |
| Net interest margin | 3.9014% | 3,131 |
| Noninterest income to average assets | 0.5766% | 3,327 |
| Noninterest expense to average assets | 2.4527% | 5,730 |
| Loan and lease loss provision to assets | 0.1691% | 3,934 |
| Net operating income to assets | 1.5843% | 716 |
| Return on assets (ROA) | 1.5843% | 762 |
| Pretax return on assets | 1.5843% | 1,227 |
| Return on Equity (ROE) | 14.6717% | 875 |
| Retained earnings to average equity (ytd only) | 12.0856% | 726 |
| Net charge-offs to loans | 0.1043% | 3,913 |
| Credit loss provision to net charge-offs | 219.3878% | 1,383 |
| Earnings coverage of net charge-offs (x) | 22.7449% | 1,042 |
| Efficiency ratio | 57.6211% | 6,312 |
| Assets per employee ($millions) | 3.4515% | 5,117 |
| Cash dividends to net income (ytd only)* | 17.6266% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 4,806 |
| Loan loss allowance to noncurrent loans | 323.8457% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 5,628 |
| Noncurrent loans to loans | 0.4232% | 6,153 |
| Net loans and leases to total assets | 71.6450% | 1,788 |
| Net loans and leases to deposits | 83.8210% | 2,057 |
| Net loans and leases to core deposits | 89.1349% | 2,468 |
| Total domestic deposits to total assets | 85.4739% | 3,798 |
| Equity capital to assets | 11.0650% | 2,622 |
| Core capital (leverage) ratio | 9.8169% | 3,366 |
| Tier 1 risk-based capital ratio | 16.7646% | 2,563 |
| Total risk-based capital ratio | 18.0203% | 2,526 |
| Memoranda: | ||
| Average total assets | $508,501,500 | 1,326 |
| Average earning assets | $473,061,000 | 1,305 |
| Average equity | $54,908,500 | 1,214 |
| Average total loans | $375,770,000 | 1,177 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4479% | 2,484 |
| Cost of funding earning assets | 1.3428% | 3,631 |
| Net interest margin | 4.1051% | 2,535 |
| Noninterest income to average assets | 0.6295% | 3,290 |
| Noninterest expense to average assets | 2.5743% | 5,529 |
| Loan and lease loss provision to assets | 0.2010% | 5,227 |
| Net operating income to assets | 1.6659% | 555 |
| Return on assets (ROA) | 1.6659% | 598 |
| Pretax return on assets | 1.6751% | 988 |
| Return on Equity (ROE) | 15.4443% | 653 |
| Retained earnings to average equity (ytd only) | 2.3109% | 4,259 |
| Net charge-offs to loans | 0.1669% | 5,329 |
| Credit loss provision to net charge-offs | 158.9085% | 2,209 |
| Earnings coverage of net charge-offs (x) | 14.8347% | 1,314 |
| Efficiency ratio | 57.1702% | 6,439 |
| Assets per employee ($millions) | 3.4911% | 4,947 |
| Cash dividends to net income (ytd only)* | 85.0372% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 4,880 |
| Loan loss allowance to noncurrent loans | 278.4085% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 5,730 |
| Noncurrent loans to loans | 0.4754% | 6,089 |
| Net loans and leases to total assets | 74.1882% | 1,620 |
| Net loans and leases to deposits | 86.6904% | 1,981 |
| Net loans and leases to core deposits | 92.0503% | 2,496 |
| Total domestic deposits to total assets | 85.5783% | 3,565 |
| Equity capital to assets | 10.5251% | 3,134 |
| Core capital (leverage) ratio | 9.2123% | 4,150 |
| Tier 1 risk-based capital ratio | 15.4010% | 3,044 |
| Total risk-based capital ratio | 16.6563% | 3,000 |
| Memoranda: | ||
| Average total assets | $492,639,400 | 1,364 |
| Average earning assets | $458,528,400 | 1,335 |
| Average equity | $53,139,200 | 1,262 |
| Average total loans | $373,348,800 | 1,215 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4964% | 2,442 |
| Cost of funding earning assets | 1.3773% | 3,728 |
| Net interest margin | 4.1192% | 2,535 |
| Noninterest income to average assets | 0.5939% | 3,479 |
| Noninterest expense to average assets | 2.3754% | 6,098 |
| Loan and lease loss provision to assets | 0.0895% | 6,152 |
| Net operating income to assets | 1.9535% | 365 |
| Return on assets (ROA) | 1.9535% | 400 |
| Pretax return on assets | 1.9627% | 676 |
| Return on Equity (ROE) | 17.9984% | 482 |
| Retained earnings to average equity (ytd only) | 4.9551% | 3,022 |
| Net charge-offs to loans | 0.0244% | 6,333 |
| Credit loss provision to net charge-offs | 483.8235% | 612 |
| Earnings coverage of net charge-offs (x) | 110.9466% | 286 |
| Efficiency ratio | 52.9676% | 6,893 |
| Assets per employee ($millions) | 3.3981% | 5,212 |
| Cash dividends to net income (ytd only)* | 72.4690% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 5,011 |
| Loan loss allowance to noncurrent loans | 427.6856% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 6,228 |
| Noncurrent loans to loans | 0.3021% | 6,585 |
| Net loans and leases to total assets | 75.9163% | 1,420 |
| Net loans and leases to deposits | 89.5097% | 1,785 |
| Net loans and leases to core deposits | 94.8955% | 2,400 |
| Total domestic deposits to total assets | 84.8135% | 3,715 |
| Equity capital to assets | 11.0690% | 2,890 |
| Core capital (leverage) ratio | 9.4312% | 4,013 |
| Tier 1 risk-based capital ratio | 15.6577% | 2,923 |
| Total risk-based capital ratio | 16.9126% | 2,878 |
| Memoranda: | ||
| Average total assets | $490,118,500 | 1,385 |
| Average earning assets | $456,163,000 | 1,357 |
| Average equity | $53,196,000 | 1,261 |
| Average total loans | $372,195,000 | 1,223 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 2,574 |
| Cost of funding earning assets | 1.4125% | 3,796 |
| Net interest margin | 4.0750% | 2,681 |
| Noninterest income to average assets | 0.5895% | 3,417 |
| Noninterest expense to average assets | 2.3195% | 6,303 |
| Loan and lease loss provision to assets | 0.0916% | 6,007 |
| Net operating income to assets | 1.9642% | 350 |
| Return on assets (ROA) | 1.9642% | 386 |
| Pretax return on assets | 1.9724% | 638 |
| Return on Equity (ROE) | 18.2187% | 445 |
| Retained earnings to average equity (ytd only) | 2.2522% | 4,722 |
| Net charge-offs to loans | 0.0130% | 6,160 |
| Credit loss provision to net charge-offs | 933.3333% | 394 |
| Earnings coverage of net charge-offs (x) | 210.3750% | 161 |
| Efficiency ratio | 52.2242% | 7,044 |
| Assets per employee ($millions) | 3.6006% | 4,697 |
| Cash dividends to net income (ytd only)* | 87.6379% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 4,951 |
| Loan loss allowance to noncurrent loans | 475.9843% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 6,277 |
| Noncurrent loans to loans | 0.2720% | 6,684 |
| Net loans and leases to total assets | 74.7532% | 1,750 |
| Net loans and leases to deposits | 89.5763% | 1,926 |
| Net loans and leases to core deposits | 94.8554% | 2,600 |
| Total domestic deposits to total assets | 83.4519% | 4,365 |
| Equity capital to assets | 10.7280% | 3,151 |
| Core capital (leverage) ratio | 9.2794% | 4,158 |
| Tier 1 risk-based capital ratio | 15.2328% | 3,046 |
| Total risk-based capital ratio | 16.4874% | 2,997 |
| Memoranda: | ||
| Average total assets | $489,249,000 | 1,396 |
| Average earning assets | $455,506,000 | 1,364 |
| Average equity | $52,748,000 | 1,262 |
| Average total loans | $369,941,000 | 1,241 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4955% | 2,599 |
| Cost of funding earning assets | 1.4832% | 3,673 |
| Net interest margin | 4.0123% | 2,827 |
| Noninterest income to average assets | 0.5525% | 3,634 |
| Noninterest expense to average assets | 2.2560% | 6,522 |
| Loan and lease loss provision to assets | 0.0952% | 5,679 |
| Net operating income to assets | 1.9317% | 391 |
| Return on assets (ROA) | 1.9317% | 428 |
| Pretax return on assets | 1.9366% | 684 |
| Return on Equity (ROE) | 17.8723% | 527 |
| Retained earnings to average equity (ytd only) | 9.9198% | 1,158 |
| Net charge-offs to loans | 0.0011% | 5,605 |
| Credit loss provision to net charge-offs | 11,600.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 2,475.0000% | 2 |
| Efficiency ratio | 51.9050% | 7,166 |
| Assets per employee ($millions) | 3.5534% | 4,919 |
| Cash dividends to net income (ytd only)* | 44.4964% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 4,985 |
| Loan loss allowance to noncurrent loans | 359.1081% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 6,198 |
| Noncurrent loans to loans | 0.3593% | 6,585 |
| Net loans and leases to total assets | 74.6581% | 1,815 |
| Net loans and leases to deposits | 87.7839% | 2,257 |
| Net loans and leases to core deposits | 93.0808% | 2,968 |
| Total domestic deposits to total assets | 85.0476% | 3,653 |
| Equity capital to assets | 10.9723% | 2,790 |
| Core capital (leverage) ratio | 9.4799% | 3,802 |
| Tier 1 risk-based capital ratio | 15.5339% | 2,855 |
| Total risk-based capital ratio | 16.7887% | 2,797 |
| Memoranda: | ||
| Average total assets | $487,234,500 | 1,440 |
| Average earning assets | $453,608,500 | 1,395 |
| Average equity | $52,662,500 | 1,274 |
| Average total loans | $368,123,000 | 1,287 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 2,655 |
| Cost of funding earning assets | 1.8335% | 3,818 |
| Net interest margin | 3.9654% | 3,003 |
| Noninterest income to average assets | 0.5719% | 3,842 |
| Noninterest expense to average assets | 2.3486% | 6,607 |
| Loan and lease loss provision to assets | 0.1177% | 6,466 |
| Net operating income to assets | 1.8129% | 350 |
| Return on assets (ROA) | 1.8129% | 361 |
| Pretax return on assets | 1.8140% | 618 |
| Return on Equity (ROE) | 17.5743% | 402 |
| Retained earnings to average equity (ytd only) | 4.6974% | 1,976 |
| Net charge-offs to loans | 0.0402% | 6,709 |
| Credit loss provision to net charge-offs | 392.4138% | 811 |
| Earnings coverage of net charge-offs (x) | 64.3862% | 420 |
| Efficiency ratio | 54.1548% | 7,216 |
| Assets per employee ($millions) | 3.6943% | 4,528 |
| Cash dividends to net income (ytd only)* | 73.2709% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,991 |
| Loan loss allowance to noncurrent loans | 383.4574% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 6,092 |
| Noncurrent loans to loans | 0.3285% | 6,620 |
| Net loans and leases to total assets | 74.5225% | 2,140 |
| Net loans and leases to deposits | 87.3821% | 2,665 |
| Net loans and leases to core deposits | 107.2471% | 3,185 |
| Total domestic deposits to total assets | 85.2835% | 3,417 |
| Equity capital to assets | 10.6449% | 3,031 |
| Core capital (leverage) ratio | 9.1735% | 4,163 |
| Tier 1 risk-based capital ratio | 14.9472% | 2,970 |
| Total risk-based capital ratio | 16.1968% | 2,918 |
| Memoranda: | ||
| Average total assets | $483,301,400 | 1,429 |
| Average earning assets | $451,979,400 | 1,397 |
| Average equity | $49,857,000 | 1,350 |
| Average total loans | $360,394,800 | 1,344 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8331% | 2,732 |
| Cost of funding earning assets | 1.8878% | 3,942 |
| Net interest margin | 3.9453% | 3,061 |
| Noninterest income to average assets | 0.5588% | 4,017 |
| Noninterest expense to average assets | 2.3582% | 6,534 |
| Loan and lease loss provision to assets | 0.1112% | 6,258 |
| Net operating income to assets | 1.7828% | 466 |
| Return on assets (ROA) | 1.7828% | 492 |
| Pretax return on assets | 1.7842% | 830 |
| Return on Equity (ROE) | 17.4229% | 507 |
| Retained earnings to average equity (ytd only) | 4.2611% | 2,894 |
| Net charge-offs to loans | 0.0417% | 6,315 |
| Credit loss provision to net charge-offs | 358.9286% | 1,140 |
| Earnings coverage of net charge-offs (x) | 61.2052% | 538 |
| Efficiency ratio | 54.7192% | 7,155 |
| Assets per employee ($millions) | 3.7957% | 4,198 |
| Cash dividends to net income (ytd only)* | 75.5427% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,839 |
| Loan loss allowance to noncurrent loans | 228.5279% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 5,733 |
| Noncurrent loans to loans | 0.5466% | 6,217 |
| Net loans and leases to total assets | 73.2550% | 2,722 |
| Net loans and leases to deposits | 86.4936% | 3,229 |
| Net loans and leases to core deposits | 107.2962% | 3,562 |
| Total domestic deposits to total assets | 84.6941% | 3,380 |
| Equity capital to assets | 10.5327% | 3,474 |
| Core capital (leverage) ratio | 8.9839% | 4,673 |
| Tier 1 risk-based capital ratio | 15.0779% | 3,005 |
| Total risk-based capital ratio | 16.3329% | 2,942 |
| Memoranda: | ||
| Average total assets | $482,214,250 | 1,455 |
| Average earning assets | $451,598,250 | 1,417 |
| Average equity | $49,343,750 | 1,384 |
| Average total loans | $358,482,250 | 1,361 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8773% | 2,688 |
| Cost of funding earning assets | 1.9436% | 4,041 |
| Net interest margin | 3.9337% | 2,963 |
| Noninterest income to average assets | 0.5518% | 4,024 |
| Noninterest expense to average assets | 2.3746% | 6,541 |
| Loan and lease loss provision to assets | 0.1148% | 5,998 |
| Net operating income to assets | 1.7455% | 518 |
| Return on assets (ROA) | 1.7455% | 561 |
| Pretax return on assets | 1.7476% | 937 |
| Return on Equity (ROE) | 17.2282% | 561 |
| Retained earnings to average equity (ytd only) | 1.1040% | 4,718 |
| Net charge-offs to loans | 0.0419% | 5,879 |
| Credit loss provision to net charge-offs | 368.0000% | 1,267 |
| Earnings coverage of net charge-offs (x) | 59.7200% | 598 |
| Efficiency ratio | 55.3288% | 7,190 |
| Assets per employee ($millions) | 3.7049% | 4,312 |
| Cash dividends to net income (ytd only)* | 93.5922% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 4,739 |
| Loan loss allowance to noncurrent loans | 251.5964% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 5,918 |
| Noncurrent loans to loans | 0.4893% | 6,299 |
| Net loans and leases to total assets | 72.3997% | 3,116 |
| Net loans and leases to deposits | 85.0440% | 3,723 |
| Net loans and leases to core deposits | 105.3077% | 3,922 |
| Total domestic deposits to total assets | 85.1321% | 3,201 |
| Equity capital to assets | 9.9593% | 3,999 |
| Core capital (leverage) ratio | 8.7212% | 5,059 |
| Tier 1 risk-based capital ratio | 14.6176% | 3,180 |
| Total risk-based capital ratio | 15.8723% | 3,126 |
| Memoranda: | ||
| Average total assets | $481,002,000 | 1,471 |
| Average earning assets | $450,616,000 | 1,435 |
| Average equity | $48,734,000 | 1,413 |
| Average total loans | $357,839,000 | 1,395 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9661% | 2,499 |
| Cost of funding earning assets | 2.0227% | 4,022 |
| Net interest margin | 3.9434% | 2,873 |
| Noninterest income to average assets | 0.5241% | 4,103 |
| Noninterest expense to average assets | 2.3934% | 6,211 |
| Loan and lease loss provision to assets | 0.1115% | 5,537 |
| Net operating income to assets | 1.7150% | 628 |
| Return on assets (ROA) | 1.7150% | 691 |
| Pretax return on assets | 1.7192% | 1,142 |
| Return on Equity (ROE) | 16.7802% | 712 |
| Retained earnings to average equity (ytd only) | 5.8259% | 2,706 |
| Net charge-offs to loans | 0.0045% | 5,648 |
| Credit loss provision to net charge-offs | 3,325.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 545.7500% | 48 |
| Efficiency ratio | 55.9261% | 6,975 |
| Assets per employee ($millions) | 3.7515% | 4,226 |
| Cash dividends to net income (ytd only)* | 65.2812% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 4,669 |
| Loan loss allowance to noncurrent loans | 210.5238% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 5,788 |
| Noncurrent loans to loans | 0.5793% | 5,952 |
| Net loans and leases to total assets | 72.0931% | 3,226 |
| Net loans and leases to deposits | 84.9794% | 3,828 |
| Net loans and leases to core deposits | 105.9158% | 3,931 |
| Total domestic deposits to total assets | 84.8360% | 3,282 |
| Equity capital to assets | 10.1490% | 3,830 |
| Core capital (leverage) ratio | 8.9669% | 4,764 |
| Tier 1 risk-based capital ratio | 14.8014% | 3,155 |
| Total risk-based capital ratio | 16.0550% | 3,083 |
| Memoranda: | ||
| Average total assets | $476,977,000 | 1,499 |
| Average earning assets | $447,528,000 | 1,449 |
| Average equity | $48,748,000 | 1,418 |
| Average total loans | $357,516,000 | 1,407 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6817% | 2,095 |
| Cost of funding earning assets | 2.6793% | 3,259 |
| Net interest margin | 4.0024% | 3,097 |
| Noninterest income to average assets | 0.5931% | 3,888 |
| Noninterest expense to average assets | 2.3208% | 6,638 |
| Loan and lease loss provision to assets | 0.1858% | 5,033 |
| Net operating income to assets | 1.8092% | 546 |
| Return on assets (ROA) | 1.8092% | 522 |
| Pretax return on assets | 1.8132% | 919 |
| Return on Equity (ROE) | 18.0355% | 526 |
| Retained earnings to average equity (ytd only) | 6.7202% | 1,257 |
| Net charge-offs to loans | 0.0902% | 5,454 |
| Credit loss provision to net charge-offs | 265.8307% | 1,745 |
| Earnings coverage of net charge-offs (x) | 28.6019% | 1,210 |
| Efficiency ratio | 52.9746% | 7,388 |
| Assets per employee ($millions) | 3.5592% | 4,527 |
| Cash dividends to net income (ytd only)* | 62.7392% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 4,755 |
| Loan loss allowance to noncurrent loans | 268.4512% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 5,886 |
| Noncurrent loans to loans | 0.4369% | 6,044 |
| Net loans and leases to total assets | 76.1132% | 2,592 |
| Net loans and leases to deposits | 88.6774% | 3,689 |
| Net loans and leases to core deposits | 112.2668% | 3,536 |
| Total domestic deposits to total assets | 85.8315% | 2,481 |
| Equity capital to assets | 10.2946% | 3,718 |
| Core capital (leverage) ratio | 9.1475% | 4,530 |
| Tier 1 risk-based capital ratio | 14.6626% | 3,225 |
| Total risk-based capital ratio | 15.9152% | 3,142 |
| Memoranda: | ||
| Average total assets | $456,436,000 | 1,502 |
| Average earning assets | $424,999,600 | 1,470 |
| Average equity | $45,787,600 | 1,485 |
| Average total loans | $353,720,400 | 1,374 |