Home > West Plains Bank and Trust Company > Performance and Condition Ratios
West Plains Bank and Trust Company, 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 | 5.0879% | 1,883 |
| Cost of funding earning assets | 2.0308% | 879 |
| Net interest margin | 3.0571% | 3,171 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.5378% | 2,198 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0259% | 2,130 |
| Return on assets (ROA) | 1.0359% | 2,083 |
| Pretax return on assets | 1.0359% | 2,571 |
| Return on Equity (ROE) | 20.3100% | 591 |
| Retained earnings to average equity (ytd only) | 5.1543% | 2,556 |
| Net charge-offs to loans | 0.0599% | 1,254 |
| Credit loss provision to net charge-offs | 63.6735% | 2,126 |
| Earnings coverage of net charge-offs (x) | 27.3592% | 1,685 |
| Efficiency ratio | 70.4909% | 1,816 |
| Assets per employee ($millions) | 6.0954% | 2,738 |
| Cash dividends to net income (ytd only)* | 74.6175% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 3,868 |
| Loan loss allowance to noncurrent loans | 142.7188% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 1,427 |
| Noncurrent loans to loans | 0.5925% | 1,330 |
| Net loans and leases to total assets | 64.8200% | 2,385 |
| Net loans and leases to deposits | 69.3968% | 2,926 |
| Net loans and leases to core deposits | 91.4890% | 1,949 |
| Total domestic deposits to total assets | 93.4100% | 141 |
| Equity capital to assets | 5.5077% | 4,334 |
| Core capital (leverage) ratio | 8.1108% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7443% | 2,644 |
| Memoranda: | ||
| Average total assets | $630,940,000 | 1,415 |
| Average earning assets | $590,009,000 | 1,394 |
| Average equity | $32,186,800 | 2,177 |
| Average total loans | $408,682,600 | 1,449 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0065% | 1,815 |
| Cost of funding earning assets | 1.9338% | 805 |
| Net interest margin | 3.0727% | 3,193 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.5579% | 2,062 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0029% | 2,357 |
| Return on assets (ROA) | 1.0099% | 2,322 |
| Pretax return on assets | 1.0099% | 2,826 |
| Return on Equity (ROE) | 20.2100% | 705 |
| Retained earnings to average equity (ytd only) | 9.5602% | 1,534 |
| Net charge-offs to loans | 0.0256% | 1,561 |
| Credit loss provision to net charge-offs | 182.0513% | 1,187 |
| Earnings coverage of net charge-offs (x) | 62.8846% | 1,180 |
| Efficiency ratio | 71.0892% | 1,669 |
| Assets per employee ($millions) | 5.9450% | 2,806 |
| Cash dividends to net income (ytd only)* | 52.6879% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 3,794 |
| Loan loss allowance to noncurrent loans | 150.4075% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 1,482 |
| Noncurrent loans to loans | 0.5855% | 1,370 |
| Net loans and leases to total assets | 65.9300% | 2,247 |
| Net loans and leases to deposits | 69.9123% | 2,848 |
| Net loans and leases to core deposits | 93.5879% | 1,696 |
| Total domestic deposits to total assets | 94.3000% | 164 |
| Equity capital to assets | 4.6521% | 4,310 |
| Core capital (leverage) ratio | 8.4798% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7925% | 2,669 |
| Memoranda: | ||
| Average total assets | $628,670,500 | 1,415 |
| Average earning assets | $587,217,250 | 1,408 |
| Average equity | $31,421,000 | 2,193 |
| Average total loans | $406,252,750 | 1,451 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8843% | 1,798 |
| Cost of funding earning assets | 1.7839% | 762 |
| Net interest margin | 3.1003% | 3,225 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.5630% | 2,024 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.9682% | 2,520 |
| Return on assets (ROA) | 0.9758% | 2,494 |
| Pretax return on assets | 0.9758% | 2,980 |
| Return on Equity (ROE) | 19.0800% | 821 |
| Retained earnings to average equity (ytd only) | 7.4963% | 2,127 |
| Net charge-offs to loans | 0.0100% | 1,828 |
| Credit loss provision to net charge-offs | 1,450.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 166.4500% | 697 |
| Efficiency ratio | 70.7444% | 1,692 |
| Assets per employee ($millions) | 6.0432% | 2,673 |
| Cash dividends to net income (ytd only)* | 60.7178% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 3,676 |
| Loan loss allowance to noncurrent loans | 175.5405% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 1,515 |
| Noncurrent loans to loans | 0.5321% | 1,399 |
| Net loans and leases to total assets | 65.1300% | 2,261 |
| Net loans and leases to deposits | 69.2654% | 2,838 |
| Net loans and leases to core deposits | 84.1496% | 2,205 |
| Total domestic deposits to total assets | 94.0300% | 149 |
| Equity capital to assets | 5.0933% | 4,364 |
| Core capital (leverage) ratio | 8.3394% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9923% | 2,629 |
| Memoranda: | ||
| Average total assets | $628,172,000 | 1,416 |
| Average earning assets | $587,357,000 | 1,404 |
| Average equity | $32,122,667 | 2,181 |
| Average total loans | $401,957,667 | 1,452 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 1,861 |
| Cost of funding earning assets | 1.5822% | 722 |
| Net interest margin | 3.1137% | 3,320 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.5306% | 2,168 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.9824% | 2,584 |
| Return on assets (ROA) | 0.9914% | 2,525 |
| Pretax return on assets | 0.9914% | 3,021 |
| Return on Equity (ROE) | 19.3500% | 835 |
| Retained earnings to average equity (ytd only) | 9.2304% | 1,878 |
| Net charge-offs to loans | 0.0172% | 1,339 |
| Credit loss provision to net charge-offs | 1,258.8235% | 317 |
| Earnings coverage of net charge-offs (x) | 102.1765% | 780 |
| Efficiency ratio | 69.4781% | 1,805 |
| Assets per employee ($millions) | 5.9980% | 2,761 |
| Cash dividends to net income (ytd only)* | 52.2918% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 3,745 |
| Loan loss allowance to noncurrent loans | 165.7564% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 1,403 |
| Noncurrent loans to loans | 0.5684% | 1,310 |
| Net loans and leases to total assets | 63.8400% | 2,264 |
| Net loans and leases to deposits | 67.9584% | 2,771 |
| Net loans and leases to core deposits | 87.6239% | 1,768 |
| Total domestic deposits to total assets | 93.9400% | 176 |
| Equity capital to assets | 5.2929% | 4,373 |
| Core capital (leverage) ratio | 8.4261% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8786% | 2,763 |
| Memoranda: | ||
| Average total assets | $624,987,500 | 1,445 |
| Average earning assets | $584,252,500 | 1,435 |
| Average equity | $32,024,500 | 2,215 |
| Average total loans | $394,348,500 | 1,487 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6965% | 2,533 |
| Cost of funding earning assets | 0.4733% | 1,563 |
| Net interest margin | 3.2232% | 2,798 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.7088% | 1,531 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0531% | 2,362 |
| Return on assets (ROA) | 1.0518% | 2,311 |
| Pretax return on assets | 1.0518% | 2,910 |
| Return on Equity (ROE) | 17.7600% | 742 |
| Retained earnings to average equity (ytd only) | 1.1353% | 4,168 |
| Net charge-offs to loans | 0.0079% | 2,101 |
| Credit loss provision to net charge-offs | 285.7143% | 933 |
| Earnings coverage of net charge-offs (x) | 230.5357% | 580 |
| Efficiency ratio | 71.7543% | 1,470 |
| Assets per employee ($millions) | 5.9066% | 2,844 |
| Cash dividends to net income (ytd only)* | 93.6077% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 3,826 |
| Loan loss allowance to noncurrent loans | 155.1535% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 1,455 |
| Noncurrent loans to loans | 0.5702% | 1,306 |
| Net loans and leases to total assets | 61.1800% | 2,527 |
| Net loans and leases to deposits | 66.8138% | 2,833 |
| Net loans and leases to core deposits | 79.4676% | 2,164 |
| Total domestic deposits to total assets | 91.5700% | 761 |
| Equity capital to assets | 4.9525% | 4,373 |
| Core capital (leverage) ratio | 8.7155% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0378% | 2,722 |
| Memoranda: | ||
| Average total assets | $605,352,800 | 1,466 |
| Average earning assets | $569,565,200 | 1,452 |
| Average equity | $35,850,600 | 2,076 |
| Average total loans | $356,101,600 | 1,529 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4897% | 2,647 |
| Cost of funding earning assets | 0.2871% | 2,309 |
| Net interest margin | 3.2026% | 2,612 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.6314% | 1,642 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1012% | 2,085 |
| Return on assets (ROA) | 1.0972% | 2,078 |
| Pretax return on assets | 1.0972% | 2,733 |
| Return on Equity (ROE) | 17.7800% | 672 |
| Retained earnings to average equity (ytd only) | -0.1041% | 4,355 |
| Net charge-offs to loans | 0.0130% | 1,634 |
| Credit loss provision to net charge-offs | 235.2941% | 916 |
| Earnings coverage of net charge-offs (x) | 148.5000% | 752 |
| Efficiency ratio | 70.1649% | 1,739 |
| Assets per employee ($millions) | 5.7001% | 3,035 |
| Cash dividends to net income (ytd only)* | 100.5857% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 3,841 |
| Loan loss allowance to noncurrent loans | 242.1920% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,065 |
| Noncurrent loans to loans | 0.3730% | 1,897 |
| Net loans and leases to total assets | 61.9700% | 2,291 |
| Net loans and leases to deposits | 66.6140% | 2,666 |
| Net loans and leases to core deposits | 80.2075% | 1,887 |
| Total domestic deposits to total assets | 93.0300% | 574 |
| Equity capital to assets | 4.2314% | 4,447 |
| Core capital (leverage) ratio | 8.6752% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2548% | 2,730 |
| Memoranda: | ||
| Average total assets | $601,644,000 | 1,488 |
| Average earning assets | $567,058,750 | 1,462 |
| Average equity | $37,134,500 | 2,058 |
| Average total loans | $349,423,000 | 1,538 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 2,864 |
| Cost of funding earning assets | 0.2272% | 2,546 |
| Net interest margin | 3.0360% | 2,777 |
| Noninterest income to average assets | 0.7403% | 1,197 |
| Noninterest expense to average assets | 2.5154% | 1,881 |
| Loan and lease loss provision to assets | 0.0265% | 2,119 |
| Net operating income to assets | 1.0679% | 1,910 |
| Return on assets (ROA) | 1.0612% | 1,902 |
| Pretax return on assets | 1.0612% | 2,539 |
| Return on Equity (ROE) | 15.5730% | 783 |
| Retained earnings to average equity (ytd only) | -3.7593% | 4,490 |
| Net charge-offs to loans | 0.0123% | 1,544 |
| Credit loss provision to net charge-offs | 380.9524% | 712 |
| Earnings coverage of net charge-offs (x) | 157.0476% | 622 |
| Efficiency ratio | 69.6819% | 2,005 |
| Assets per employee ($millions) | 5.6490% | 3,088 |
| Cash dividends to net income (ytd only)* | 124.1401% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,750 |
| Loan loss allowance to noncurrent loans | 356.8875% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 2,576 |
| Noncurrent loans to loans | 0.2700% | 2,399 |
| Net loans and leases to total assets | 59.3681% | 2,399 |
| Net loans and leases to deposits | 63.5094% | 2,767 |
| Net loans and leases to core deposits | 76.4564% | 1,978 |
| Total domestic deposits to total assets | 93.4792% | 396 |
| Equity capital to assets | 5.5448% | 4,349 |
| Core capital (leverage) ratio | 8.4032% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7051% | 2,606 |
| Memoranda: | ||
| Average total assets | $602,690,000 | 1,484 |
| Average earning assets | $569,639,000 | 1,469 |
| Average equity | $41,071,000 | 1,956 |
| Average total loans | $341,133,667 | 1,556 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0229% | 3,184 |
| Cost of funding earning assets | 0.2062% | 2,704 |
| Net interest margin | 2.8167% | 3,087 |
| Noninterest income to average assets | 0.7203% | 1,254 |
| Noninterest expense to average assets | 2.4126% | 2,118 |
| Loan and lease loss provision to assets | 0.0524% | 1,441 |
| Net operating income to assets | 0.9228% | 2,189 |
| Return on assets (ROA) | 0.9156% | 2,221 |
| Pretax return on assets | 0.9156% | 2,717 |
| Return on Equity (ROE) | 12.3304% | 1,216 |
| Retained earnings to average equity (ytd only) | 5.2252% | 2,502 |
| Net charge-offs to loans | 0.0143% | 1,254 |
| Credit loss provision to net charge-offs | 666.6667% | 438 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 604 |
| Efficiency ratio | 71.2130% | 2,079 |
| Assets per employee ($millions) | 5.8900% | 2,910 |
| Cash dividends to net income (ytd only)* | 57.6235% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,661 |
| Loan loss allowance to noncurrent loans | 410.4946% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 2,837 |
| Noncurrent loans to loans | 0.2470% | 2,606 |
| Net loans and leases to total assets | 54.7719% | 2,659 |
| Net loans and leases to deposits | 59.1599% | 2,978 |
| Net loans and leases to core deposits | 71.1434% | 2,186 |
| Total domestic deposits to total assets | 92.5828% | 383 |
| Equity capital to assets | 6.6097% | 4,382 |
| Core capital (leverage) ratio | 8.6423% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5398% | 2,401 |
| Memoranda: | ||
| Average total assets | $610,289,500 | 1,477 |
| Average earning assets | $577,991,000 | 1,451 |
| Average equity | $45,319,000 | 1,879 |
| Average total loans | $335,612,500 | 1,573 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 3,009 |
| Cost of funding earning assets | 0.2530% | 2,886 |
| Net interest margin | 3.1153% | 2,858 |
| Noninterest income to average assets | 0.7752% | 1,518 |
| Noninterest expense to average assets | 2.4130% | 2,450 |
| Loan and lease loss provision to assets | 0.0757% | 1,606 |
| Net operating income to assets | 1.2299% | 1,814 |
| Return on assets (ROA) | 1.2468% | 1,812 |
| Pretax return on assets | 1.2468% | 2,530 |
| Return on Equity (ROE) | 13.6982% | 1,267 |
| Retained earnings to average equity (ytd only) | -0.0411% | 4,499 |
| Net charge-offs to loans | 0.0112% | 2,144 |
| Credit loss provision to net charge-offs | 1,214.2857% | 462 |
| Earnings coverage of net charge-offs (x) | 209.5429% | 523 |
| Efficiency ratio | 64.8906% | 2,420 |
| Assets per employee ($millions) | 5.9603% | 2,821 |
| Cash dividends to net income (ytd only)* | 100.2998% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 3,778 |
| Loan loss allowance to noncurrent loans | 140.9552% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 1,688 |
| Noncurrent loans to loans | 0.7051% | 1,434 |
| Net loans and leases to total assets | 54.1127% | 2,836 |
| Net loans and leases to deposits | 59.6032% | 3,108 |
| Net loans and leases to core deposits | 70.5665% | 2,395 |
| Total domestic deposits to total assets | 90.7882% | 584 |
| Equity capital to assets | 8.2323% | 4,214 |
| Core capital (leverage) ratio | 8.7005% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5649% | 2,426 |
| Memoranda: | ||
| Average total assets | $561,754,400 | 1,535 |
| Average earning assets | $530,733,600 | 1,515 |
| Average equity | $51,130,800 | 1,728 |
| Average total loans | $312,749,800 | 1,655 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5103% | 2,803 |
| Cost of funding earning assets | 0.2665% | 2,938 |
| Net interest margin | 3.2438% | 2,601 |
| Noninterest income to average assets | 0.7695% | 1,618 |
| Noninterest expense to average assets | 2.4009% | 2,438 |
| Loan and lease loss provision to assets | 0.0851% | 1,405 |
| Net operating income to assets | 1.3447% | 1,702 |
| Return on assets (ROA) | 1.3646% | 1,699 |
| Pretax return on assets | 1.3646% | 2,454 |
| Return on Equity (ROE) | 14.6022% | 1,225 |
| Retained earnings to average equity (ytd only) | -1.1024% | 4,670 |
| Net charge-offs to loans | 0.0013% | 2,378 |
| Credit loss provision to net charge-offs | 11,666.6667% | 68 |
| Earnings coverage of net charge-offs (x) | 1,961.3333% | 72 |
| Efficiency ratio | 62.6768% | 2,582 |
| Assets per employee ($millions) | 5.8930% | 2,796 |
| Cash dividends to net income (ytd only)* | 107.5499% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,533 |
| Loan loss allowance to noncurrent loans | 190.0693% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 2,285 |
| Noncurrent loans to loans | 0.5683% | 1,888 |
| Net loans and leases to total assets | 51.6794% | 3,226 |
| Net loans and leases to deposits | 57.2748% | 3,463 |
| Net loans and leases to core deposits | 69.1745% | 2,666 |
| Total domestic deposits to total assets | 90.2306% | 669 |
| Equity capital to assets | 8.8110% | 3,991 |
| Core capital (leverage) ratio | 8.9169% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6192% | 2,119 |
| Memoranda: | ||
| Average total assets | $548,715,500 | 1,585 |
| Average earning assets | $517,822,000 | 1,558 |
| Average equity | $51,278,750 | 1,741 |
| Average total loans | $307,052,750 | 1,700 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 2,439 |
| Cost of funding earning assets | 0.2811% | 2,963 |
| Net interest margin | 3.3795% | 2,207 |
| Noninterest income to average assets | 0.7510% | 1,670 |
| Noninterest expense to average assets | 2.3658% | 2,564 |
| Loan and lease loss provision to assets | 0.1024% | 1,234 |
| Net operating income to assets | 1.4703% | 1,373 |
| Return on assets (ROA) | 1.4979% | 1,361 |
| Pretax return on assets | 1.4979% | 2,022 |
| Return on Equity (ROE) | 15.7035% | 1,018 |
| Retained earnings to average equity (ytd only) | -1.4911% | 4,639 |
| Net charge-offs to loans | 0.0097% | 1,782 |
| Credit loss provision to net charge-offs | 1,833.3333% | 310 |
| Earnings coverage of net charge-offs (x) | 281.6000% | 388 |
| Efficiency ratio | 60.0681% | 3,014 |
| Assets per employee ($millions) | 6.1043% | 2,520 |
| Cash dividends to net income (ytd only)* | 109.4954% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,702 |
| Loan loss allowance to noncurrent loans | 300.6567% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 3,030 |
| Noncurrent loans to loans | 0.3438% | 2,676 |
| Net loans and leases to total assets | 53.4845% | 3,196 |
| Net loans and leases to deposits | 59.3681% | 3,438 |
| Net loans and leases to core deposits | 72.5648% | 2,557 |
| Total domestic deposits to total assets | 90.0896% | 729 |
| Equity capital to assets | 8.9786% | 3,813 |
| Core capital (leverage) ratio | 8.9943% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7964% | 2,055 |
| Memoranda: | ||
| Average total assets | $537,152,000 | 1,607 |
| Average earning assets | $506,643,333 | 1,589 |
| Average equity | $51,237,000 | 1,735 |
| Average total loans | $307,806,000 | 1,707 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 2,802 |
| Cost of funding earning assets | 0.2880% | 3,119 |
| Net interest margin | 3.2557% | 2,529 |
| Noninterest income to average assets | 0.7540% | 1,693 |
| Noninterest expense to average assets | 2.3962% | 2,500 |
| Loan and lease loss provision to assets | 0.1156% | 1,186 |
| Net operating income to assets | 1.3014% | 1,822 |
| Return on assets (ROA) | 1.3014% | 1,903 |
| Pretax return on assets | 1.3014% | 2,569 |
| Return on Equity (ROE) | 13.2143% | 1,616 |
| Retained earnings to average equity (ytd only) | -14.6939% | 4,878 |
| Net charge-offs to loans | 0.0078% | 1,625 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 306.3333% | 289 |
| Efficiency ratio | 62.8387% | 2,629 |
| Assets per employee ($millions) | 5.5044% | 3,115 |
| Cash dividends to net income (ytd only)* | 211.1967% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 3,970 |
| Loan loss allowance to noncurrent loans | 212.4484% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 2,776 |
| Noncurrent loans to loans | 0.4560% | 2,488 |
| Net loans and leases to total assets | 59.7636% | 2,568 |
| Net loans and leases to deposits | 66.6274% | 2,846 |
| Net loans and leases to core deposits | 78.5179% | 2,140 |
| Total domestic deposits to total assets | 89.6981% | 969 |
| Equity capital to assets | 9.4100% | 3,282 |
| Core capital (leverage) ratio | 9.7584% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1622% | 2,227 |
| Memoranda: | ||
| Average total assets | $518,828,000 | 1,646 |
| Average earning assets | $487,516,500 | 1,625 |
| Average equity | $51,096,000 | 1,734 |
| Average total loans | $306,659,500 | 1,710 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 3,014 |
| Cost of funding earning assets | 0.4776% | 3,099 |
| Net interest margin | 3.4263% | 2,687 |
| Noninterest income to average assets | 0.8607% | 1,371 |
| Noninterest expense to average assets | 2.5462% | 2,704 |
| Loan and lease loss provision to assets | 0.1655% | 2,309 |
| Net operating income to assets | 1.3542% | 1,117 |
| Return on assets (ROA) | 1.3542% | 1,212 |
| Pretax return on assets | 1.3538% | 1,807 |
| Return on Equity (ROE) | 12.0157% | 1,314 |
| Retained earnings to average equity (ytd only) | 4.8094% | 2,366 |
| Net charge-offs to loans | 0.1179% | 1,307 |
| Credit loss provision to net charge-offs | 208.9136% | 2,118 |
| Earnings coverage of net charge-offs (x) | 19.1755% | 1,996 |
| Efficiency ratio | 62.6296% | 3,030 |
| Assets per employee ($millions) | 5.4174% | 2,937 |
| Cash dividends to net income (ytd only)* | 59.9739% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,866 |
| Loan loss allowance to noncurrent loans | 199.8643% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 2,842 |
| Noncurrent loans to loans | 0.5006% | 2,469 |
| Net loans and leases to total assets | 57.2390% | 3,173 |
| Net loans and leases to deposits | 64.5163% | 3,400 |
| Net loans and leases to core deposits | 76.9147% | 2,643 |
| Total domestic deposits to total assets | 88.7202% | 1,113 |
| Equity capital to assets | 10.3033% | 2,831 |
| Core capital (leverage) ratio | 10.4180% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9959% | 1,527 |
| Memoranda: | ||
| Average total assets | $453,111,400 | 1,690 |
| Average earning assets | $423,806,600 | 1,681 |
| Average equity | $51,066,400 | 1,663 |
| Average total loans | $304,437,400 | 1,666 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 2,891 |
| Cost of funding earning assets | 0.5299% | 3,048 |
| Net interest margin | 3.4999% | 2,588 |
| Noninterest income to average assets | 0.9152% | 1,181 |
| Noninterest expense to average assets | 2.6066% | 2,517 |
| Loan and lease loss provision to assets | 0.1822% | 2,159 |
| Net operating income to assets | 1.4044% | 1,090 |
| Return on assets (ROA) | 1.4044% | 1,186 |
| Pretax return on assets | 1.4038% | 1,721 |
| Return on Equity (ROE) | 12.1589% | 1,324 |
| Retained earnings to average equity (ytd only) | 5.2973% | 2,430 |
| Net charge-offs to loans | 0.1433% | 1,021 |
| Credit loss provision to net charge-offs | 181.8182% | 2,176 |
| Earnings coverage of net charge-offs (x) | 15.8273% | 2,085 |
| Efficiency ratio | 62.1714% | 3,046 |
| Assets per employee ($millions) | 5.5971% | 2,626 |
| Cash dividends to net income (ytd only)* | 56.4324% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 4,074 |
| Loan loss allowance to noncurrent loans | 127.0355% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 2,359 |
| Noncurrent loans to loans | 0.7083% | 2,026 |
| Net loans and leases to total assets | 63.8773% | 2,784 |
| Net loans and leases to deposits | 72.2843% | 3,108 |
| Net loans and leases to core deposits | 88.2771% | 2,119 |
| Total domestic deposits to total assets | 88.3696% | 1,026 |
| Equity capital to assets | 10.6665% | 2,658 |
| Core capital (leverage) ratio | 10.5719% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6738% | 1,940 |
| Memoranda: | ||
| Average total assets | $439,080,000 | 1,713 |
| Average earning assets | $411,163,500 | 1,705 |
| Average equity | $50,716,000 | 1,667 |
| Average total loans | $306,939,750 | 1,658 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 2,616 |
| Cost of funding earning assets | 0.6028% | 2,948 |
| Net interest margin | 3.6427% | 2,340 |
| Noninterest income to average assets | 0.8650% | 1,250 |
| Noninterest expense to average assets | 2.7108% | 2,351 |
| Loan and lease loss provision to assets | 0.2127% | 1,950 |
| Net operating income to assets | 1.3471% | 1,230 |
| Return on assets (ROA) | 1.3471% | 1,325 |
| Pretax return on assets | 1.3462% | 1,882 |
| Return on Equity (ROE) | 11.3302% | 1,533 |
| Retained earnings to average equity (ytd only) | 3.2400% | 3,293 |
| Net charge-offs to loans | 0.1654% | 902 |
| Credit loss provision to net charge-offs | 178.5714% | 1,996 |
| Earnings coverage of net charge-offs (x) | 13.0873% | 2,012 |
| Efficiency ratio | 63.4894% | 2,885 |
| Assets per employee ($millions) | 5.5984% | 2,546 |
| Cash dividends to net income (ytd only)* | 71.4035% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,011 |
| Loan loss allowance to noncurrent loans | 105.3578% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 2,161 |
| Noncurrent loans to loans | 0.8523% | 1,785 |
| Net loans and leases to total assets | 63.8494% | 2,899 |
| Net loans and leases to deposits | 72.2979% | 3,225 |
| Net loans and leases to core deposits | 86.4675% | 2,397 |
| Total domestic deposits to total assets | 88.3144% | 1,033 |
| Equity capital to assets | 10.7080% | 2,566 |
| Core capital (leverage) ratio | 11.0675% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6336% | 1,589 |
| Memoranda: | ||
| Average total assets | $423,124,667 | 1,735 |
| Average earning assets | $395,475,667 | 1,730 |
| Average equity | $50,308,000 | 1,667 |
| Average total loans | $304,629,000 | 1,650 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 1,486 |
| Cost of funding earning assets | 0.7850% | 2,477 |
| Net interest margin | 3.9913% | 1,413 |
| Noninterest income to average assets | 0.8388% | 1,198 |
| Noninterest expense to average assets | 2.8743% | 2,199 |
| Loan and lease loss provision to assets | 0.0756% | 2,781 |
| Net operating income to assets | 1.6000% | 626 |
| Return on assets (ROA) | 1.6000% | 690 |
| Pretax return on assets | 1.6000% | 1,053 |
| Return on Equity (ROE) | 12.7001% | 938 |
| Retained earnings to average equity (ytd only) | 4.0173% | 2,675 |
| Net charge-offs to loans | 0.0988% | 1,089 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 22.1600% | 1,365 |
| Efficiency ratio | 63.1731% | 3,346 |
| Assets per employee ($millions) | 4.6591% | 3,053 |
| Cash dividends to net income (ytd only)* | 68.3680% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 4,302 |
| Loan loss allowance to noncurrent loans | 85.1667% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 1,761 |
| Noncurrent loans to loans | 0.9884% | 1,674 |
| Net loans and leases to total assets | 76.9056% | 1,149 |
| Net loans and leases to deposits | 89.1722% | 1,612 |
| Net loans and leases to core deposits | 100.8950% | 1,405 |
| Total domestic deposits to total assets | 86.2440% | 1,899 |
| Equity capital to assets | 12.8791% | 1,508 |
| Core capital (leverage) ratio | 12.6306% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,753,000 | 1,780 |
| Average earning assets | $368,902,500 | 1,782 |
| Average equity | $49,984,000 | 1,666 |
| Average total loans | $303,647,500 | 1,628 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7840% | 2,092 |
| Cost of funding earning assets | 0.9333% | 2,043 |
| Net interest margin | 3.8506% | 2,334 |
| Noninterest income to average assets | 0.7820% | 1,505 |
| Noninterest expense to average assets | 2.6835% | 2,932 |
| Loan and lease loss provision to assets | 0.0191% | 3,634 |
| Net operating income to assets | 1.6749% | 700 |
| Return on assets (ROA) | 1.6744% | 747 |
| Pretax return on assets | 1.6744% | 1,258 |
| Return on Equity (ROE) | 13.8428% | 929 |
| Retained earnings to average equity (ytd only) | 5.4835% | 2,172 |
| Net charge-offs to loans | 0.0156% | 3,162 |
| Credit loss provision to net charge-offs | 163.0435% | 1,586 |
| Earnings coverage of net charge-offs (x) | 144.3043% | 509 |
| Efficiency ratio | 61.3012% | 3,497 |
| Assets per employee ($millions) | 4.9042% | 2,702 |
| Cash dividends to net income (ytd only)* | 60.3871% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 4,185 |
| Loan loss allowance to noncurrent loans | 135.7598% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 2,534 |
| Noncurrent loans to loans | 0.6196% | 2,339 |
| Net loans and leases to total assets | 74.8999% | 1,603 |
| Net loans and leases to deposits | 86.4059% | 2,037 |
| Net loans and leases to core deposits | 100.1060% | 1,551 |
| Total domestic deposits to total assets | 86.6838% | 1,763 |
| Equity capital to assets | 12.3250% | 1,938 |
| Core capital (leverage) ratio | 12.5411% | 1,468 |
| Tier 1 risk-based capital ratio | 14.7526% | 2,883 |
| Total risk-based capital ratio | 15.5202% | 3,052 |
| Memoranda: | ||
| Average total assets | $391,834,400 | 1,763 |
| Average earning assets | $365,888,000 | 1,760 |
| Average equity | $47,396,400 | 1,676 |
| Average total loans | $295,721,400 | 1,626 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 2,105 |
| Cost of funding earning assets | 0.9586% | 1,946 |
| Net interest margin | 3.8461% | 2,454 |
| Noninterest income to average assets | 0.7984% | 1,422 |
| Noninterest expense to average assets | 2.7032% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6862% | 769 |
| Return on assets (ROA) | 1.6856% | 811 |
| Pretax return on assets | 1.6856% | 1,380 |
| Return on Equity (ROE) | 14.0033% | 984 |
| Retained earnings to average equity (ytd only) | 2.7289% | 4,001 |
| Net charge-offs to loans | 0.0132% | 2,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 169.7399% | 495 |
| Efficiency ratio | 61.5841% | 3,390 |
| Assets per employee ($millions) | 4.7172% | 2,895 |
| Cash dividends to net income (ytd only)* | 80.5120% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 4,342 |
| Loan loss allowance to noncurrent loans | 126.1111% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 2,479 |
| Noncurrent loans to loans | 0.6515% | 2,328 |
| Net loans and leases to total assets | 77.9271% | 1,153 |
| Net loans and leases to deposits | 89.8295% | 1,717 |
| Net loans and leases to core deposits | 95.2473% | 2,060 |
| Total domestic deposits to total assets | 86.7501% | 1,650 |
| Equity capital to assets | 12.3714% | 1,994 |
| Core capital (leverage) ratio | 12.2298% | 1,715 |
| Tier 1 risk-based capital ratio | 14.7450% | 2,980 |
| Total risk-based capital ratio | 15.5207% | 3,091 |
| Memoranda: | ||
| Average total assets | $389,257,500 | 1,788 |
| Average earning assets | $363,438,500 | 1,783 |
| Average equity | $46,854,500 | 1,692 |
| Average total loans | $293,712,000 | 1,642 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 2,178 |
| Cost of funding earning assets | 0.9542% | 1,891 |
| Net interest margin | 3.8091% | 2,557 |
| Noninterest income to average assets | 0.7558% | 1,498 |
| Noninterest expense to average assets | 2.7180% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6033% | 906 |
| Return on assets (ROA) | 1.6023% | 948 |
| Pretax return on assets | 1.6023% | 1,542 |
| Return on Equity (ROE) | 13.4347% | 1,115 |
| Retained earnings to average equity (ytd only) | 0.0129% | 4,679 |
| Net charge-offs to loans | 0.0110% | 2,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 195.4375% | 397 |
| Efficiency ratio | 62.8975% | 3,302 |
| Assets per employee ($millions) | 4.7162% | 2,854 |
| Cash dividends to net income (ytd only)* | 99.9040% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 4,261 |
| Loan loss allowance to noncurrent loans | 170.9809% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 2,989 |
| Noncurrent loans to loans | 0.4982% | 2,786 |
| Net loans and leases to total assets | 75.5455% | 1,621 |
| Net loans and leases to deposits | 86.9099% | 2,144 |
| Net loans and leases to core deposits | 103.7257% | 1,408 |
| Total domestic deposits to total assets | 86.9240% | 1,632 |
| Equity capital to assets | 12.1004% | 2,118 |
| Core capital (leverage) ratio | 12.0054% | 1,827 |
| Tier 1 risk-based capital ratio | 14.7372% | 2,944 |
| Total risk-based capital ratio | 15.5325% | 3,091 |
| Memoranda: | ||
| Average total assets | $390,073,330 | 1,794 |
| Average earning assets | $365,126,330 | 1,783 |
| Average equity | $46,521,330 | 1,697 |
| Average total loans | $290,307,000 | 1,657 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 2,305 |
| Cost of funding earning assets | 0.8050% | 2,510 |
| Net interest margin | 3.8707% | 2,280 |
| Noninterest income to average assets | 0.7301% | 1,506 |
| Noninterest expense to average assets | 2.5915% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7716% | 623 |
| Return on assets (ROA) | 1.7716% | 639 |
| Pretax return on assets | 1.7716% | 1,043 |
| Return on Equity (ROE) | 14.8715% | 776 |
| Retained earnings to average equity (ytd only) | 5.2286% | 2,809 |
| Net charge-offs to loans | 0.0139% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 173.5000% | 441 |
| Efficiency ratio | 59.3962% | 3,891 |
| Assets per employee ($millions) | 4.7977% | 2,792 |
| Cash dividends to net income (ytd only)* | 64.8415% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 4,278 |
| Loan loss allowance to noncurrent loans | 155.5968% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 2,881 |
| Noncurrent loans to loans | 0.5578% | 2,652 |
| Net loans and leases to total assets | 73.9475% | 1,817 |
| Net loans and leases to deposits | 84.9557% | 2,265 |
| Net loans and leases to core deposits | 100.9765% | 1,536 |
| Total domestic deposits to total assets | 87.0425% | 1,794 |
| Equity capital to assets | 12.1467% | 1,938 |
| Core capital (leverage) ratio | 12.2212% | 1,646 |
| Tier 1 risk-based capital ratio | 14.5734% | 3,072 |
| Total risk-based capital ratio | 15.3477% | 3,219 |
| Memoranda: | ||
| Average total assets | $391,744,500 | 1,802 |
| Average earning assets | $367,685,000 | 1,783 |
| Average equity | $46,666,500 | 1,679 |
| Average total loans | $288,126,500 | 1,679 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 2,439 |
| Cost of funding earning assets | 0.5695% | 2,926 |
| Net interest margin | 3.9376% | 2,200 |
| Noninterest income to average assets | 0.7629% | 1,594 |
| Noninterest expense to average assets | 2.5500% | 3,468 |
| Loan and lease loss provision to assets | 0.0016% | 4,066 |
| Net operating income to assets | 1.8946% | 452 |
| Return on assets (ROA) | 1.8894% | 456 |
| Pretax return on assets | 1.8909% | 737 |
| Return on Equity (ROE) | 16.4054% | 551 |
| Retained earnings to average equity (ytd only) | 5.5196% | 2,474 |
| Net charge-offs to loans | 0.0028% | 3,639 |
| Credit loss provision to net charge-offs | 75.0000% | 2,923 |
| Earnings coverage of net charge-offs (x) | 912.0000% | 119 |
| Efficiency ratio | 57.3333% | 4,238 |
| Assets per employee ($millions) | 4.9984% | 2,505 |
| Cash dividends to net income (ytd only)* | 66.3546% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 4,240 |
| Loan loss allowance to noncurrent loans | 214.0678% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 3,327 |
| Noncurrent loans to loans | 0.4121% | 3,055 |
| Net loans and leases to total assets | 71.8811% | 2,277 |
| Net loans and leases to deposits | 82.4311% | 2,680 |
| Net loans and leases to core deposits | 97.5918% | 1,897 |
| Total domestic deposits to total assets | 87.2015% | 1,682 |
| Equity capital to assets | 11.6820% | 2,108 |
| Core capital (leverage) ratio | 12.2405% | 1,595 |
| Tier 1 risk-based capital ratio | 14.3726% | 3,130 |
| Total risk-based capital ratio | 15.1493% | 3,264 |
| Memoranda: | ||
| Average total assets | $384,470,200 | 1,781 |
| Average earning assets | $359,788,200 | 1,771 |
| Average equity | $44,278,200 | 1,687 |
| Average total loans | $281,980,800 | 1,667 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 2,384 |
| Cost of funding earning assets | 0.5435% | 2,909 |
| Net interest margin | 3.9304% | 2,197 |
| Noninterest income to average assets | 0.7622% | 1,620 |
| Noninterest expense to average assets | 2.5114% | 3,553 |
| Loan and lease loss provision to assets | 0.0021% | 3,922 |
| Net operating income to assets | 1.9207% | 460 |
| Return on assets (ROA) | 1.9133% | 468 |
| Pretax return on assets | 1.9154% | 797 |
| Return on Equity (ROE) | 16.6756% | 587 |
| Retained earnings to average equity (ytd only) | 2.0084% | 4,578 |
| Net charge-offs to loans | -0.0047% | 4,217 |
| Credit loss provision to net charge-offs | -60.0000% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6110% | 4,300 |
| Assets per employee ($millions) | 4.8658% | 2,641 |
| Cash dividends to net income (ytd only)* | 87.9563% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 4,316 |
| Loan loss allowance to noncurrent loans | 135.9166% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,728 |
| Noncurrent loans to loans | 0.6525% | 2,454 |
| Net loans and leases to total assets | 74.8797% | 1,839 |
| Net loans and leases to deposits | 86.3304% | 2,338 |
| Net loans and leases to core deposits | 101.1230% | 1,686 |
| Total domestic deposits to total assets | 86.7362% | 1,854 |
| Equity capital to assets | 11.5635% | 2,214 |
| Core capital (leverage) ratio | 11.8290% | 1,895 |
| Tier 1 risk-based capital ratio | 13.9632% | 3,394 |
| Total risk-based capital ratio | 14.7531% | 3,539 |
| Memoranda: | ||
| Average total assets | $381,869,500 | 1,796 |
| Average earning assets | $356,968,500 | 1,785 |
| Average equity | $43,815,500 | 1,706 |
| Average total loans | $280,884,750 | 1,684 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,425 |
| Cost of funding earning assets | 0.5248% | 2,802 |
| Net interest margin | 3.8727% | 2,300 |
| Noninterest income to average assets | 0.7542% | 1,627 |
| Noninterest expense to average assets | 2.4905% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8827% | 488 |
| Return on assets (ROA) | 1.8753% | 494 |
| Pretax return on assets | 1.8780% | 817 |
| Return on Equity (ROE) | 16.3867% | 600 |
| Retained earnings to average equity (ytd only) | -0.1918% | 4,985 |
| Net charge-offs to loans | -0.0014% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9159% | 4,373 |
| Assets per employee ($millions) | 4.8047% | 2,674 |
| Cash dividends to net income (ytd only)* | 101.1706% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 4,365 |
| Loan loss allowance to noncurrent loans | 137.7451% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 2,826 |
| Noncurrent loans to loans | 0.6496% | 2,490 |
| Net loans and leases to total assets | 73.7959% | 1,979 |
| Net loans and leases to deposits | 84.0332% | 2,534 |
| Net loans and leases to core deposits | 99.9982% | 1,740 |
| Total domestic deposits to total assets | 87.8176% | 1,464 |
| Equity capital to assets | 11.4437% | 2,237 |
| Core capital (leverage) ratio | 11.5930% | 1,988 |
| Tier 1 risk-based capital ratio | 14.1587% | 3,284 |
| Total risk-based capital ratio | 14.9678% | 3,407 |
| Memoranda: | ||
| Average total assets | $382,649,330 | 1,805 |
| Average earning assets | $357,835,000 | 1,786 |
| Average equity | $43,791,670 | 1,712 |
| Average total loans | $278,935,000 | 1,697 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 2,463 |
| Cost of funding earning assets | 0.4934% | 2,843 |
| Net interest margin | 3.8219% | 2,329 |
| Noninterest income to average assets | 0.7267% | 1,715 |
| Noninterest expense to average assets | 2.4394% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8720% | 483 |
| Return on assets (ROA) | 1.8720% | 488 |
| Pretax return on assets | 1.8762% | 770 |
| Return on Equity (ROE) | 16.3570% | 570 |
| Retained earnings to average equity (ytd only) | 1.2554% | 4,559 |
| Net charge-offs to loans | 0.0029% | 2,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 901.0000% | 67 |
| Efficiency ratio | 56.5259% | 4,517 |
| Assets per employee ($millions) | 5.1587% | 2,290 |
| Cash dividends to net income (ytd only)* | 92.3248% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 4,474 |
| Loan loss allowance to noncurrent loans | 202.9743% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 3,530 |
| Noncurrent loans to loans | 0.4403% | 3,211 |
| Net loans and leases to total assets | 73.3420% | 1,973 |
| Net loans and leases to deposits | 85.5425% | 2,224 |
| Net loans and leases to core deposits | 100.1542% | 1,675 |
| Total domestic deposits to total assets | 85.7375% | 2,659 |
| Equity capital to assets | 11.4564% | 2,166 |
| Core capital (leverage) ratio | 11.6207% | 1,917 |
| Tier 1 risk-based capital ratio | 14.0938% | 3,330 |
| Total risk-based capital ratio | 14.8947% | 3,482 |
| Memoranda: | ||
| Average total assets | $384,188,500 | 1,805 |
| Average earning assets | $360,760,000 | 1,783 |
| Average equity | $43,969,000 | 1,712 |
| Average total loans | $277,084,000 | 1,704 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 2,940 |
| Cost of funding earning assets | 0.3393% | 3,806 |
| Net interest margin | 3.7937% | 2,449 |
| Noninterest income to average assets | 0.8102% | 1,530 |
| Noninterest expense to average assets | 2.8626% | 2,569 |
| Loan and lease loss provision to assets | -0.1562% | 5,542 |
| Net operating income to assets | 1.6679% | 563 |
| Return on assets (ROA) | 1.6882% | 552 |
| Pretax return on assets | 1.6848% | 1,045 |
| Return on Equity (ROE) | 14.7218% | 651 |
| Retained earnings to average equity (ytd only) | 6.0387% | 1,519 |
| Net charge-offs to loans | 0.0175% | 3,513 |
| Credit loss provision to net charge-offs | -1,271.7391% | 5,105 |
| Earnings coverage of net charge-offs (x) | 122.8261% | 549 |
| Efficiency ratio | 65.4920% | 3,341 |
| Assets per employee ($millions) | 5.2248% | 2,222 |
| Cash dividends to net income (ytd only)* | 58.9817% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 4,314 |
| Loan loss allowance to noncurrent loans | 217.9310% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 3,684 |
| Noncurrent loans to loans | 0.4270% | 3,254 |
| Net loans and leases to total assets | 69.6103% | 2,585 |
| Net loans and leases to deposits | 79.5404% | 2,962 |
| Net loans and leases to core deposits | 92.5999% | 2,319 |
| Total domestic deposits to total assets | 87.5156% | 1,754 |
| Equity capital to assets | 11.4330% | 2,251 |
| Core capital (leverage) ratio | 11.7459% | 1,765 |
| Tier 1 risk-based capital ratio | 14.6237% | 3,025 |
| Total risk-based capital ratio | 15.4582% | 3,141 |
| Memoranda: | ||
| Average total assets | $374,595,600 | 1,810 |
| Average earning assets | $351,582,800 | 1,794 |
| Average equity | $42,956,600 | 1,732 |
| Average total loans | $263,152,000 | 1,748 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 2,927 |
| Cost of funding earning assets | 0.3210% | 3,928 |
| Net interest margin | 3.7960% | 2,415 |
| Noninterest income to average assets | 0.7847% | 1,636 |
| Noninterest expense to average assets | 2.9792% | 2,168 |
| Loan and lease loss provision to assets | -0.2153% | 5,662 |
| Net operating income to assets | 1.5622% | 780 |
| Return on assets (ROA) | 1.5892% | 758 |
| Pretax return on assets | 1.6082% | 1,389 |
| Return on Equity (ROE) | 13.8474% | 867 |
| Retained earnings to average equity (ytd only) | 2.9671% | 4,147 |
| Net charge-offs to loans | 0.0179% | 3,141 |
| Credit loss provision to net charge-offs | -1,714.2857% | 5,043 |
| Earnings coverage of net charge-offs (x) | 108.7324% | 658 |
| Efficiency ratio | 68.5688% | 2,774 |
| Assets per employee ($millions) | 5.0999% | 2,332 |
| Cash dividends to net income (ytd only)* | 78.5729% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 4,301 |
| Loan loss allowance to noncurrent loans | 215.5423% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,803 |
| Noncurrent loans to loans | 0.4430% | 3,376 |
| Net loans and leases to total assets | 70.3216% | 2,509 |
| Net loans and leases to deposits | 80.4524% | 2,924 |
| Net loans and leases to core deposits | 94.1541% | 2,265 |
| Total domestic deposits to total assets | 87.4077% | 1,665 |
| Equity capital to assets | 11.6143% | 2,261 |
| Core capital (leverage) ratio | 11.4301% | 2,072 |
| Tier 1 risk-based capital ratio | 14.9089% | 2,958 |
| Total risk-based capital ratio | 15.7911% | 3,074 |
| Memoranda: | ||
| Average total assets | $371,586,000 | 1,832 |
| Average earning assets | $348,496,250 | 1,820 |
| Average equity | $42,644,750 | 1,760 |
| Average total loans | $261,023,750 | 1,767 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 3,025 |
| Cost of funding earning assets | 0.3010% | 4,068 |
| Net interest margin | 3.7433% | 2,501 |
| Noninterest income to average assets | 0.7718% | 1,682 |
| Noninterest expense to average assets | 2.4548% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8057% | 445 |
| Return on assets (ROA) | 1.8462% | 427 |
| Pretax return on assets | 1.8678% | 715 |
| Return on Equity (ROE) | 16.1520% | 507 |
| Retained earnings to average equity (ytd only) | 3.3831% | 3,699 |
| Net charge-offs to loans | -0.0408% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3333% | 4,670 |
| Assets per employee ($millions) | 4.8566% | 2,580 |
| Cash dividends to net income (ytd only)* | 79.0548% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,956 |
| Loan loss allowance to noncurrent loans | 209.9346% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 3,094 |
| Noncurrent loans to loans | 0.5766% | 3,001 |
| Net loans and leases to total assets | 71.0221% | 2,371 |
| Net loans and leases to deposits | 87.5646% | 2,039 |
| Net loans and leases to core deposits | 95.4445% | 2,028 |
| Total domestic deposits to total assets | 81.1082% | 4,156 |
| Equity capital to assets | 11.6987% | 2,152 |
| Core capital (leverage) ratio | 11.4682% | 1,994 |
| Tier 1 risk-based capital ratio | 14.1853% | 3,317 |
| Total risk-based capital ratio | 15.2593% | 3,339 |
| Memoranda: | ||
| Average total assets | $371,351,000 | 1,842 |
| Average earning assets | $348,195,670 | 1,823 |
| Average equity | $42,446,670 | 1,760 |
| Average total loans | $259,923,330 | 1,766 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 3,150 |
| Cost of funding earning assets | 0.2689% | 4,368 |
| Net interest margin | 3.6982% | 2,488 |
| Noninterest income to average assets | 0.7410% | 1,777 |
| Noninterest expense to average assets | 2.4249% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7581% | 490 |
| Return on assets (ROA) | 1.8160% | 443 |
| Pretax return on assets | 1.8460% | 729 |
| Return on Equity (ROE) | 16.0741% | 519 |
| Retained earnings to average equity (ytd only) | 3.0989% | 3,862 |
| Net charge-offs to loans | -0.0280% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5727% | 4,766 |
| Assets per employee ($millions) | 4.9509% | 2,506 |
| Cash dividends to net income (ytd only)* | 80.7215% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 3,076 |
| Loan loss allowance to noncurrent loans | 171.8226% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 3,200 |
| Noncurrent loans to loans | 0.7037% | 2,730 |
| Net loans and leases to total assets | 70.8487% | 2,243 |
| Net loans and leases to deposits | 88.7387% | 1,705 |
| Net loans and leases to core deposits | 95.1108% | 1,883 |
| Total domestic deposits to total assets | 79.8398% | 4,653 |
| Equity capital to assets | 11.5778% | 2,130 |
| Core capital (leverage) ratio | 11.4769% | 1,968 |
| Tier 1 risk-based capital ratio | 13.8837% | 3,552 |
| Total risk-based capital ratio | 14.9331% | 3,578 |
| Memoranda: | ||
| Average total assets | $372,475,500 | 1,847 |
| Average earning assets | $349,571,500 | 1,829 |
| Average equity | $42,080,000 | 1,775 |
| Average total loans | $257,207,000 | 1,791 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 3,162 |
| Cost of funding earning assets | 0.2568% | 4,507 |
| Net interest margin | 3.7529% | 2,490 |
| Noninterest income to average assets | 0.7777% | 1,838 |
| Noninterest expense to average assets | 2.4204% | 4,243 |
| Loan and lease loss provision to assets | 0.0795% | 2,769 |
| Net operating income to assets | 1.8182% | 430 |
| Return on assets (ROA) | 1.8421% | 424 |
| Pretax return on assets | 1.8421% | 706 |
| Return on Equity (ROE) | 16.3038% | 479 |
| Retained earnings to average equity (ytd only) | 8.7341% | 641 |
| Net charge-offs to loans | -0.0396% | 5,332 |
| Credit loss provision to net charge-offs | -297.9167% | 5,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0515% | 5,066 |
| Assets per employee ($millions) | 5.2581% | 2,107 |
| Cash dividends to net income (ytd only)* | 46.4291% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,787 |
| Loan loss allowance to noncurrent loans | 225.4818% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 3,800 |
| Noncurrent loans to loans | 0.5567% | 3,175 |
| Net loans and leases to total assets | 65.6424% | 3,126 |
| Net loans and leases to deposits | 82.3234% | 2,630 |
| Net loans and leases to core deposits | 88.0768% | 2,670 |
| Total domestic deposits to total assets | 79.7372% | 4,621 |
| Equity capital to assets | 11.0260% | 2,614 |
| Core capital (leverage) ratio | 11.3555% | 2,036 |
| Tier 1 risk-based capital ratio | 14.0681% | 3,428 |
| Total risk-based capital ratio | 15.1337% | 3,446 |
| Memoranda: | ||
| Average total assets | $359,530,400 | 1,856 |
| Average earning assets | $339,173,600 | 1,830 |
| Average equity | $40,622,400 | 1,823 |
| Average total loans | $242,327,800 | 1,832 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,035 |
| Cost of funding earning assets | 0.2595% | 4,513 |
| Net interest margin | 3.7916% | 2,360 |
| Noninterest income to average assets | 0.7716% | 1,876 |
| Noninterest expense to average assets | 2.4305% | 4,194 |
| Loan and lease loss provision to assets | 0.1075% | 2,134 |
| Net operating income to assets | 1.8141% | 471 |
| Return on assets (ROA) | 1.8355% | 474 |
| Pretax return on assets | 1.8355% | 829 |
| Return on Equity (ROE) | 16.1415% | 530 |
| Retained earnings to average equity (ytd only) | 5.9787% | 2,193 |
| Net charge-offs to loans | -0.0383% | 5,273 |
| Credit loss provision to net charge-offs | -414.4928% | 5,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8463% | 5,080 |
| Assets per employee ($millions) | 5.2212% | 2,125 |
| Cash dividends to net income (ytd only)* | 62.9607% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,798 |
| Loan loss allowance to noncurrent loans | 811.3990% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 5,002 |
| Noncurrent loans to loans | 0.1578% | 4,721 |
| Net loans and leases to total assets | 67.0203% | 2,954 |
| Net loans and leases to deposits | 85.0172% | 2,364 |
| Net loans and leases to core deposits | 91.6718% | 2,424 |
| Total domestic deposits to total assets | 78.8315% | 4,760 |
| Equity capital to assets | 11.4831% | 2,525 |
| Core capital (leverage) ratio | 11.1403% | 2,321 |
| Tier 1 risk-based capital ratio | 14.5535% | 3,269 |
| Total risk-based capital ratio | 15.6940% | 3,244 |
| Memoranda: | ||
| Average total assets | $354,766,500 | 1,888 |
| Average earning assets | $335,013,250 | 1,855 |
| Average equity | $40,342,250 | 1,847 |
| Average total loans | $239,991,750 | 1,854 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 2,998 |
| Cost of funding earning assets | 0.2579% | 4,571 |
| Net interest margin | 3.8095% | 2,280 |
| Noninterest income to average assets | 0.7650% | 1,862 |
| Noninterest expense to average assets | 2.4288% | 4,235 |
| Loan and lease loss provision to assets | 0.1026% | 2,134 |
| Net operating income to assets | 1.8332% | 451 |
| Return on assets (ROA) | 1.8655% | 443 |
| Pretax return on assets | 1.8655% | 751 |
| Return on Equity (ROE) | 16.4600% | 487 |
| Retained earnings to average equity (ytd only) | 4.7100% | 2,916 |
| Net charge-offs to loans | -0.0503% | 5,369 |
| Credit loss provision to net charge-offs | -301.6667% | 4,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6479% | 5,178 |
| Assets per employee ($millions) | 5.1378% | 2,155 |
| Cash dividends to net income (ytd only)* | 71.3852% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,896 |
| Loan loss allowance to noncurrent loans | 489.1410% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 4,803 |
| Noncurrent loans to loans | 0.2618% | 4,422 |
| Net loans and leases to total assets | 65.6273% | 3,133 |
| Net loans and leases to deposits | 81.3656% | 2,776 |
| Net loans and leases to core deposits | 87.8715% | 2,736 |
| Total domestic deposits to total assets | 80.6573% | 4,373 |
| Equity capital to assets | 11.4625% | 2,582 |
| Core capital (leverage) ratio | 11.0620% | 2,373 |
| Tier 1 risk-based capital ratio | 14.6710% | 3,219 |
| Total risk-based capital ratio | 15.8034% | 3,222 |
| Memoranda: | ||
| Average total assets | $352,935,000 | 1,895 |
| Average earning assets | $333,484,000 | 1,860 |
| Average equity | $40,000,000 | 1,854 |
| Average total loans | $238,462,330 | 1,863 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 2,772 |
| Cost of funding earning assets | 0.2524% | 4,680 |
| Net interest margin | 3.8684% | 2,044 |
| Noninterest income to average assets | 0.7713% | 1,726 |
| Noninterest expense to average assets | 2.4478% | 4,230 |
| Loan and lease loss provision to assets | 0.0852% | 2,257 |
| Net operating income to assets | 1.8935% | 403 |
| Return on assets (ROA) | 1.9583% | 377 |
| Pretax return on assets | 1.9583% | 616 |
| Return on Equity (ROE) | 17.3779% | 403 |
| Retained earnings to average equity (ytd only) | 6.6931% | 2,033 |
| Net charge-offs to loans | -0.0550% | 5,376 |
| Credit loss provision to net charge-offs | -227.2727% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2989% | 5,252 |
| Assets per employee ($millions) | 4.9787% | 2,364 |
| Cash dividends to net income (ytd only)* | 61.4849% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 3,632 |
| Loan loss allowance to noncurrent loans | 1,149.4024% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 5,276 |
| Noncurrent loans to loans | 0.1022% | 5,062 |
| Net loans and leases to total assets | 69.6148% | 2,407 |
| Net loans and leases to deposits | 86.2910% | 2,034 |
| Net loans and leases to core deposits | 93.4029% | 2,058 |
| Total domestic deposits to total assets | 80.6745% | 4,587 |
| Equity capital to assets | 11.5308% | 2,414 |
| Core capital (leverage) ratio | 11.1391% | 2,272 |
| Tier 1 risk-based capital ratio | 13.9878% | 3,707 |
| Total risk-based capital ratio | 15.0273% | 3,756 |
| Memoranda: | ||
| Average total assets | $352,150,000 | 1,900 |
| Average earning assets | $332,749,500 | 1,867 |
| Average equity | $39,682,500 | 1,861 |
| Average total loans | $239,858,500 | 1,859 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 3,566 |
| Cost of funding earning assets | 0.2746% | 4,541 |
| Net interest margin | 3.6651% | 2,883 |
| Noninterest income to average assets | 0.7777% | 1,873 |
| Noninterest expense to average assets | 2.3382% | 4,681 |
| Loan and lease loss provision to assets | 0.0812% | 2,665 |
| Net operating income to assets | 1.8143% | 475 |
| Return on assets (ROA) | 1.7999% | 496 |
| Pretax return on assets | 1.8013% | 805 |
| Return on Equity (ROE) | 16.6712% | 488 |
| Retained earnings to average equity (ytd only) | 8.5043% | 775 |
| Net charge-offs to loans | 0.0847% | 2,621 |
| Credit loss provision to net charge-offs | 151.8919% | 1,755 |
| Earnings coverage of net charge-offs (x) | 35.4703% | 1,289 |
| Efficiency ratio | 55.2082% | 5,421 |
| Assets per employee ($millions) | 5.2322% | 2,082 |
| Cash dividends to net income (ytd only)* | 48.9881% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 3,561 |
| Loan loss allowance to noncurrent loans | 704.8223% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 5,151 |
| Noncurrent loans to loans | 0.1682% | 4,818 |
| Net loans and leases to total assets | 65.0497% | 3,113 |
| Net loans and leases to deposits | 80.4235% | 2,781 |
| Net loans and leases to core deposits | 86.7548% | 2,727 |
| Total domestic deposits to total assets | 80.8840% | 4,513 |
| Equity capital to assets | 11.0118% | 2,812 |
| Core capital (leverage) ratio | 11.0480% | 2,352 |
| Tier 1 risk-based capital ratio | 14.6078% | 3,377 |
| Total risk-based capital ratio | 15.6709% | 3,395 |
| Memoranda: | ||
| Average total assets | $345,912,600 | 1,887 |
| Average earning assets | $326,317,400 | 1,860 |
| Average equity | $37,345,800 | 1,917 |
| Average total loans | $218,380,600 | 1,938 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 3,713 |
| Cost of funding earning assets | 0.2807% | 4,550 |
| Net interest margin | 3.6290% | 3,035 |
| Noninterest income to average assets | 0.7628% | 1,966 |
| Noninterest expense to average assets | 2.3196% | 4,735 |
| Loan and lease loss provision to assets | 0.0749% | 2,681 |
| Net operating income to assets | 1.7893% | 532 |
| Return on assets (ROA) | 1.7699% | 570 |
| Pretax return on assets | 1.7718% | 945 |
| Return on Equity (ROE) | 16.4785% | 534 |
| Retained earnings to average equity (ytd only) | 5.4543% | 2,605 |
| Net charge-offs to loans | 0.1268% | 1,863 |
| Credit loss provision to net charge-offs | 94.6078% | 2,398 |
| Earnings coverage of net charge-offs (x) | 23.5640% | 1,728 |
| Efficiency ratio | 55.4164% | 5,415 |
| Assets per employee ($millions) | 5.2899% | 1,960 |
| Cash dividends to net income (ytd only)* | 66.9008% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 3,733 |
| Loan loss allowance to noncurrent loans | 601.3514% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 5,234 |
| Noncurrent loans to loans | 0.1973% | 4,856 |
| Net loans and leases to total assets | 64.6753% | 3,204 |
| Net loans and leases to deposits | 80.5632% | 2,812 |
| Net loans and leases to core deposits | 87.2130% | 2,735 |
| Total domestic deposits to total assets | 80.2790% | 4,678 |
| Equity capital to assets | 11.0141% | 3,014 |
| Core capital (leverage) ratio | 10.6641% | 2,864 |
| Tier 1 risk-based capital ratio | 15.1394% | 3,221 |
| Total risk-based capital ratio | 16.2471% | 3,233 |
| Memoranda: | ||
| Average total assets | $343,443,000 | 1,914 |
| Average earning assets | $323,934,250 | 1,881 |
| Average equity | $36,887,500 | 1,950 |
| Average total loans | $214,421,250 | 1,970 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 3,788 |
| Cost of funding earning assets | 0.2867% | 4,541 |
| Net interest margin | 3.5873% | 3,140 |
| Noninterest income to average assets | 0.7556% | 1,971 |
| Noninterest expense to average assets | 2.3128% | 4,813 |
| Loan and lease loss provision to assets | 0.0687% | 2,740 |
| Net operating income to assets | 1.7535% | 564 |
| Return on assets (ROA) | 1.7535% | 589 |
| Pretax return on assets | 1.7564% | 962 |
| Return on Equity (ROE) | 16.4662% | 552 |
| Retained earnings to average equity (ytd only) | 3.5011% | 3,809 |
| Net charge-offs to loans | 0.2181% | 1,170 |
| Credit loss provision to net charge-offs | 51.3043% | 2,689 |
| Earnings coverage of net charge-offs (x) | 13.6217% | 2,116 |
| Efficiency ratio | 55.8919% | 5,437 |
| Assets per employee ($millions) | 5.2941% | 1,929 |
| Cash dividends to net income (ytd only)* | 78.7375% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 3,948 |
| Loan loss allowance to noncurrent loans | 892.0139% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 5,203 |
| Noncurrent loans to loans | 0.1316% | 5,221 |
| Net loans and leases to total assets | 62.8448% | 3,433 |
| Net loans and leases to deposits | 77.4399% | 3,102 |
| Net loans and leases to core deposits | 84.0596% | 2,975 |
| Total domestic deposits to total assets | 81.1530% | 4,566 |
| Equity capital to assets | 10.6420% | 3,279 |
| Core capital (leverage) ratio | 10.4996% | 2,951 |
| Tier 1 risk-based capital ratio | 15.3944% | 3,165 |
| Total risk-based capital ratio | 16.5047% | 3,158 |
| Memoranda: | ||
| Average total assets | $343,310,000 | 1,926 |
| Average earning assets | $323,693,000 | 1,897 |
| Average equity | $36,559,670 | 1,969 |
| Average total loans | $210,878,000 | 2,008 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 3,915 |
| Cost of funding earning assets | 0.2997% | 4,446 |
| Net interest margin | 3.5230% | 3,330 |
| Noninterest income to average assets | 0.7349% | 1,992 |
| Noninterest expense to average assets | 2.3505% | 4,738 |
| Loan and lease loss provision to assets | 0.0350% | 3,206 |
| Net operating income to assets | 1.6658% | 641 |
| Return on assets (ROA) | 1.6658% | 671 |
| Pretax return on assets | 1.6681% | 1,119 |
| Return on Equity (ROE) | 15.6369% | 611 |
| Retained earnings to average equity (ytd only) | 4.5772% | 3,280 |
| Net charge-offs to loans | 0.4949% | 507 |
| Credit loss provision to net charge-offs | 11.7188% | 2,424 |
| Earnings coverage of net charge-offs (x) | 5.7031% | 2,363 |
| Efficiency ratio | 57.9856% | 5,339 |
| Assets per employee ($millions) | 5.3424% | 1,952 |
| Cash dividends to net income (ytd only)* | 70.7283% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 4,277 |
| Loan loss allowance to noncurrent loans | 786.8590% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 5,327 |
| Noncurrent loans to loans | 0.1457% | 5,259 |
| Net loans and leases to total assets | 61.8946% | 3,381 |
| Net loans and leases to deposits | 74.8335% | 3,177 |
| Net loans and leases to core deposits | 81.0446% | 3,053 |
| Total domestic deposits to total assets | 82.7097% | 4,273 |
| Equity capital to assets | 10.8439% | 3,146 |
| Core capital (leverage) ratio | 10.5644% | 2,891 |
| Tier 1 risk-based capital ratio | 14.5806% | 3,681 |
| Total risk-based capital ratio | 15.5917% | 3,731 |
| Memoranda: | ||
| Average total assets | $342,905,500 | 1,944 |
| Average earning assets | $323,018,500 | 1,908 |
| Average equity | $36,529,000 | 1,983 |
| Average total loans | $206,902,000 | 2,036 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 4,010 |
| Cost of funding earning assets | 0.3623% | 4,115 |
| Net interest margin | 3.5692% | 3,523 |
| Noninterest income to average assets | 0.7668% | 2,008 |
| Noninterest expense to average assets | 2.3287% | 5,028 |
| Loan and lease loss provision to assets | -0.0622% | 6,071 |
| Net operating income to assets | 1.8635% | 416 |
| Return on assets (ROA) | 1.8595% | 434 |
| Pretax return on assets | 1.8631% | 692 |
| Return on Equity (ROE) | 18.4275% | 360 |
| Retained earnings to average equity (ytd only) | 10.4208% | 454 |
| Net charge-offs to loans | 0.0256% | 4,314 |
| Credit loss provision to net charge-offs | -408.0000% | 5,752 |
| Earnings coverage of net charge-offs (x) | 118.4000% | 446 |
| Efficiency ratio | 56.3357% | 5,634 |
| Assets per employee ($millions) | 5.4587% | 1,807 |
| Cash dividends to net income (ytd only)* | 43.4497% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 3,216 |
| Loan loss allowance to noncurrent loans | 558.5417% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 5,205 |
| Noncurrent loans to loans | 0.2403% | 4,971 |
| Net loans and leases to total assets | 57.2967% | 4,156 |
| Net loans and leases to deposits | 69.4687% | 3,980 |
| Net loans and leases to core deposits | 75.8974% | 3,719 |
| Total domestic deposits to total assets | 82.4784% | 4,259 |
| Equity capital to assets | 10.4628% | 3,533 |
| Core capital (leverage) ratio | 10.5792% | 2,865 |
| Tier 1 risk-based capital ratio | 16.2707% | 2,824 |
| Total risk-based capital ratio | 17.5207% | 2,771 |
| Memoranda: | ||
| Average total assets | $327,993,600 | 1,982 |
| Average earning assets | $309,397,800 | 1,940 |
| Average equity | $33,097,200 | 2,102 |
| Average total loans | $195,046,200 | 2,070 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 3,869 |
| Cost of funding earning assets | 0.3766% | 4,061 |
| Net interest margin | 3.5950% | 3,450 |
| Noninterest income to average assets | 0.7518% | 2,086 |
| Noninterest expense to average assets | 2.3117% | 5,076 |
| Loan and lease loss provision to assets | 0.0584% | 3,202 |
| Net operating income to assets | 1.7715% | 533 |
| Return on assets (ROA) | 1.7661% | 562 |
| Pretax return on assets | 1.7702% | 941 |
| Return on Equity (ROE) | 17.6751% | 473 |
| Retained earnings to average equity (ytd only) | 6.7620% | 1,948 |
| Net charge-offs to loans | 0.0234% | 4,046 |
| Credit loss provision to net charge-offs | 417.6471% | 671 |
| Earnings coverage of net charge-offs (x) | 131.0946% | 456 |
| Efficiency ratio | 55.7618% | 5,680 |
| Assets per employee ($millions) | 5.2453% | 1,965 |
| Cash dividends to net income (ytd only)* | 61.7429% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 2,406 |
| Loan loss allowance to noncurrent loans | 193.1429% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 4,170 |
| Noncurrent loans to loans | 0.8144% | 3,540 |
| Net loans and leases to total assets | 58.5294% | 3,998 |
| Net loans and leases to deposits | 69.9328% | 3,924 |
| Net loans and leases to core deposits | 77.4728% | 3,587 |
| Total domestic deposits to total assets | 83.6939% | 3,882 |
| Equity capital to assets | 10.3367% | 3,749 |
| Core capital (leverage) ratio | 10.2069% | 3,404 |
| Tier 1 risk-based capital ratio | 15.6681% | 3,232 |
| Total risk-based capital ratio | 16.9207% | 3,168 |
| Memoranda: | ||
| Average total assets | $324,018,000 | 2,020 |
| Average earning assets | $305,898,250 | 1,974 |
| Average equity | $32,376,250 | 2,152 |
| Average total loans | $193,877,250 | 2,093 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 3,733 |
| Cost of funding earning assets | 0.3879% | 4,022 |
| Net interest margin | 3.6108% | 3,316 |
| Noninterest income to average assets | 0.7373% | 2,103 |
| Noninterest expense to average assets | 2.3317% | 5,077 |
| Loan and lease loss provision to assets | 0.0525% | 3,247 |
| Net operating income to assets | 1.7595% | 525 |
| Return on assets (ROA) | 1.8132% | 494 |
| Pretax return on assets | 1.8182% | 815 |
| Return on Equity (ROE) | 18.3587% | 428 |
| Retained earnings to average equity (ytd only) | 6.0007% | 2,323 |
| Net charge-offs to loans | 0.0186% | 3,850 |
| Credit loss provision to net charge-offs | 472.2222% | 615 |
| Earnings coverage of net charge-offs (x) | 163.3333% | 380 |
| Efficiency ratio | 56.2044% | 5,729 |
| Assets per employee ($millions) | 5.2004% | 1,967 |
| Cash dividends to net income (ytd only)* | 67.3142% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 2,663 |
| Loan loss allowance to noncurrent loans | 162.7983% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 4,252 |
| Noncurrent loans to loans | 0.9522% | 3,340 |
| Net loans and leases to total assets | 58.1898% | 3,965 |
| Net loans and leases to deposits | 73.3947% | 3,402 |
| Net loans and leases to core deposits | 80.1669% | 3,190 |
| Total domestic deposits to total assets | 79.2834% | 5,391 |
| Equity capital to assets | 10.0032% | 4,101 |
| Core capital (leverage) ratio | 10.0563% | 3,530 |
| Tier 1 risk-based capital ratio | 15.2940% | 3,474 |
| Total risk-based capital ratio | 16.5463% | 3,419 |
| Memoranda: | ||
| Average total assets | $323,621,000 | 2,014 |
| Average earning assets | $305,750,000 | 1,974 |
| Average equity | $31,963,000 | 2,158 |
| Average total loans | $194,041,330 | 2,098 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 3,437 |
| Cost of funding earning assets | 0.3965% | 4,016 |
| Net interest margin | 3.6638% | 3,007 |
| Noninterest income to average assets | 0.7226% | 2,073 |
| Noninterest expense to average assets | 2.3879% | 4,963 |
| Loan and lease loss provision to assets | 0.0435% | 3,227 |
| Net operating income to assets | 1.7424% | 531 |
| Return on assets (ROA) | 1.7424% | 548 |
| Pretax return on assets | 1.7499% | 878 |
| Return on Equity (ROE) | 17.7578% | 458 |
| Retained earnings to average equity (ytd only) | 9.2655% | 1,168 |
| Net charge-offs to loans | 0.0206% | 3,166 |
| Credit loss provision to net charge-offs | 350.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 144.2000% | 341 |
| Efficiency ratio | 57.1089% | 5,742 |
| Assets per employee ($millions) | 5.0571% | 2,178 |
| Cash dividends to net income (ytd only)* | 47.8230% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 3,088 |
| Loan loss allowance to noncurrent loans | 1,227.8008% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 5,961 |
| Noncurrent loans to loans | 0.1232% | 5,740 |
| Net loans and leases to total assets | 60.4676% | 3,482 |
| Net loans and leases to deposits | 73.7796% | 3,098 |
| Net loans and leases to core deposits | 81.0887% | 2,843 |
| Total domestic deposits to total assets | 81.9571% | 4,955 |
| Equity capital to assets | 10.1272% | 3,686 |
| Core capital (leverage) ratio | 10.0611% | 3,484 |
| Tier 1 risk-based capital ratio | 15.2169% | 3,604 |
| Total risk-based capital ratio | 16.4690% | 3,555 |
| Memoranda: | ||
| Average total assets | $321,618,500 | 2,032 |
| Average earning assets | $303,619,500 | 1,994 |
| Average equity | $31,558,000 | 2,178 |
| Average total loans | $194,238,500 | 2,103 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 4,070 |
| Cost of funding earning assets | 0.4403% | 4,215 |
| Net interest margin | 3.5656% | 3,617 |
| Noninterest income to average assets | 0.8340% | 1,920 |
| Noninterest expense to average assets | 2.2856% | 5,418 |
| Loan and lease loss provision to assets | -0.0258% | 6,314 |
| Net operating income to assets | 1.9388% | 371 |
| Return on assets (ROA) | 1.9606% | 362 |
| Pretax return on assets | 1.9719% | 519 |
| Return on Equity (ROE) | 20.8414% | 245 |
| Retained earnings to average equity (ytd only) | 11.8788% | 329 |
| Net charge-offs to loans | 0.0262% | 4,897 |
| Credit loss provision to net charge-offs | -164.0000% | 5,965 |
| Earnings coverage of net charge-offs (x) | 122.3200% | 384 |
| Efficiency ratio | 54.2934% | 6,111 |
| Assets per employee ($millions) | 5.0725% | 2,102 |
| Cash dividends to net income (ytd only)* | 43.0039% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 3,085 |
| Loan loss allowance to noncurrent loans | 750.6394% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 5,909 |
| Noncurrent loans to loans | 0.2027% | 5,583 |
| Net loans and leases to total assets | 58.5063% | 3,953 |
| Net loans and leases to deposits | 71.4931% | 3,590 |
| Net loans and leases to core deposits | 77.1476% | 3,469 |
| Total domestic deposits to total assets | 81.8350% | 4,934 |
| Equity capital to assets | 9.5031% | 4,423 |
| Core capital (leverage) ratio | 9.9440% | 3,648 |
| Tier 1 risk-based capital ratio | 14.9566% | 3,692 |
| Total risk-based capital ratio | 16.2084% | 3,636 |
| Memoranda: | ||
| Average total assets | $317,860,400 | 2,025 |
| Average earning assets | $300,934,200 | 1,974 |
| Average equity | $29,902,000 | 2,256 |
| Average total loans | $190,532,200 | 2,094 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 4,169 |
| Cost of funding earning assets | 0.4488% | 4,288 |
| Net interest margin | 3.5413% | 3,704 |
| Noninterest income to average assets | 0.7342% | 2,441 |
| Noninterest expense to average assets | 2.2882% | 5,379 |
| Loan and lease loss provision to assets | -0.0350% | 6,524 |
| Net operating income to assets | 1.8271% | 497 |
| Return on assets (ROA) | 1.8521% | 490 |
| Pretax return on assets | 1.8640% | 772 |
| Return on Equity (ROE) | 19.7401% | 316 |
| Retained earnings to average equity (ytd only) | 7.6947% | 1,552 |
| Net charge-offs to loans | 0.0379% | 4,386 |
| Credit loss provision to net charge-offs | -153.7037% | 5,848 |
| Earnings coverage of net charge-offs (x) | 79.2017% | 602 |
| Efficiency ratio | 55.9208% | 5,911 |
| Assets per employee ($millions) | 4.7489% | 2,509 |
| Cash dividends to net income (ytd only)* | 61.0200% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,478 |
| Loan loss allowance to noncurrent loans | 2,843.6893% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 6,308 |
| Noncurrent loans to loans | 0.0526% | 6,188 |
| Net loans and leases to total assets | 61.5733% | 3,446 |
| Net loans and leases to deposits | 76.1076% | 2,949 |
| Net loans and leases to core deposits | 82.8643% | 2,780 |
| Total domestic deposits to total assets | 80.9029% | 5,239 |
| Equity capital to assets | 9.2178% | 4,910 |
| Core capital (leverage) ratio | 9.4057% | 4,524 |
| Tier 1 risk-based capital ratio | 14.1229% | 4,340 |
| Total risk-based capital ratio | 15.3748% | 4,286 |
| Memoranda: | ||
| Average total assets | $316,165,500 | 2,046 |
| Average earning assets | $299,771,000 | 1,987 |
| Average equity | $29,664,750 | 2,292 |
| Average total loans | $189,947,750 | 2,097 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 4,451 |
| Cost of funding earning assets | 0.4534% | 4,395 |
| Net interest margin | 3.4530% | 3,993 |
| Noninterest income to average assets | 0.7374% | 2,466 |
| Noninterest expense to average assets | 2.2505% | 5,500 |
| Loan and lease loss provision to assets | 0.2315% | 1,614 |
| Net operating income to assets | 1.5189% | 870 |
| Return on assets (ROA) | 1.5189% | 937 |
| Pretax return on assets | 1.5315% | 1,534 |
| Return on Equity (ROE) | 16.0948% | 653 |
| Retained earnings to average equity (ytd only) | 2.6602% | 4,612 |
| Net charge-offs to loans | 0.0734% | 3,659 |
| Credit loss provision to net charge-offs | 531.8841% | 529 |
| Earnings coverage of net charge-offs (x) | 40.5072% | 922 |
| Efficiency ratio | 56.0742% | 5,958 |
| Assets per employee ($millions) | 4.8199% | 2,342 |
| Cash dividends to net income (ytd only)* | 83.4718% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 2,787 |
| Loan loss allowance to noncurrent loans | 2,851.6949% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 6,342 |
| Noncurrent loans to loans | 0.0595% | 6,207 |
| Net loans and leases to total assets | 61.2836% | 3,426 |
| Net loans and leases to deposits | 77.8820% | 2,587 |
| Net loans and leases to core deposits | 85.5067% | 2,383 |
| Total domestic deposits to total assets | 78.6878% | 5,855 |
| Equity capital to assets | 8.9798% | 5,237 |
| Core capital (leverage) ratio | 8.8840% | 5,167 |
| Tier 1 risk-based capital ratio | 13.4502% | 4,807 |
| Total risk-based capital ratio | 14.7044% | 4,759 |
| Memoranda: | ||
| Average total assets | $317,079,000 | 2,039 |
| Average earning assets | $300,838,000 | 1,983 |
| Average equity | $29,922,670 | 2,276 |
| Average total loans | $187,958,670 | 2,124 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 4,733 |
| Cost of funding earning assets | 0.4607% | 4,477 |
| Net interest margin | 3.3648% | 4,254 |
| Noninterest income to average assets | 0.7240% | 2,460 |
| Noninterest expense to average assets | 2.2188% | 5,638 |
| Loan and lease loss provision to assets | 0.3475% | 946 |
| Net operating income to assets | 1.3356% | 1,193 |
| Return on assets (ROA) | 1.3356% | 1,291 |
| Pretax return on assets | 1.3508% | 2,040 |
| Return on Equity (ROE) | 13.8165% | 993 |
| Retained earnings to average equity (ytd only) | 5.0587% | 3,200 |
| Net charge-offs to loans | 0.2145% | 2,134 |
| Credit loss provision to net charge-offs | 280.6122% | 844 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 1,505 |
| Efficiency ratio | 56.6452% | 6,001 |
| Assets per employee ($millions) | 4.7454% | 2,576 |
| Cash dividends to net income (ytd only)* | 63.3869% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 2,891 |
| Loan loss allowance to noncurrent loans | 275.7009% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 5,286 |
| Noncurrent loans to loans | 0.6267% | 4,878 |
| Net loans and leases to total assets | 58.9292% | 3,621 |
| Net loans and leases to deposits | 72.1791% | 3,163 |
| Net loans and leases to core deposits | 78.4151% | 3,005 |
| Total domestic deposits to total assets | 81.6431% | 5,312 |
| Equity capital to assets | 9.8319% | 4,380 |
| Core capital (leverage) ratio | 9.0359% | 4,826 |
| Tier 1 risk-based capital ratio | 14.1104% | 4,422 |
| Total risk-based capital ratio | 15.3650% | 4,375 |
| Memoranda: | ||
| Average total assets | $316,562,000 | 2,068 |
| Average earning assets | $300,407,000 | 2,012 |
| Average equity | $30,601,000 | 2,267 |
| Average total loans | $182,780,000 | 2,181 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 4,682 |
| Cost of funding earning assets | 0.6002% | 4,355 |
| Net interest margin | 3.5729% | 4,217 |
| Noninterest income to average assets | 0.7636% | 2,429 |
| Noninterest expense to average assets | 2.3162% | 5,647 |
| Loan and lease loss provision to assets | 0.1865% | 3,308 |
| Net operating income to assets | 1.5867% | 772 |
| Return on assets (ROA) | 1.6360% | 784 |
| Pretax return on assets | 1.6597% | 1,239 |
| Return on Equity (ROE) | 17.1033% | 521 |
| Retained earnings to average equity (ytd only) | 6.7014% | 1,717 |
| Net charge-offs to loans | 0.1766% | 3,961 |
| Credit loss provision to net charge-offs | 180.2548% | 1,458 |
| Earnings coverage of net charge-offs (x) | 17.3599% | 1,508 |
| Efficiency ratio | 56.3186% | 6,029 |
| Assets per employee ($millions) | 4.9220% | 2,328 |
| Cash dividends to net income (ytd only)* | 60.8179% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 2,832 |
| Loan loss allowance to noncurrent loans | 762.9353% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 6,254 |
| Noncurrent loans to loans | 0.2262% | 5,915 |
| Net loans and leases to total assets | 54.6010% | 4,530 |
| Net loans and leases to deposits | 68.0565% | 3,972 |
| Net loans and leases to core deposits | 72.4487% | 3,988 |
| Total domestic deposits to total assets | 80.2290% | 5,604 |
| Equity capital to assets | 9.5050% | 4,866 |
| Core capital (leverage) ratio | 9.0456% | 4,823 |
| Tier 1 risk-based capital ratio | 14.5391% | 4,003 |
| Total risk-based capital ratio | 15.7932% | 3,955 |
| Memoranda: | ||
| Average total assets | $303,427,600 | 2,118 |
| Average earning assets | $284,415,200 | 2,078 |
| Average equity | $29,023,600 | 2,320 |
| Average total loans | $177,847,200 | 2,230 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 4,533 |
| Cost of funding earning assets | 0.6332% | 4,329 |
| Net interest margin | 3.6458% | 4,020 |
| Noninterest income to average assets | 0.7511% | 2,477 |
| Noninterest expense to average assets | 2.2968% | 5,685 |
| Loan and lease loss provision to assets | 0.2040% | 3,033 |
| Net operating income to assets | 1.6304% | 793 |
| Return on assets (ROA) | 1.6304% | 876 |
| Pretax return on assets | 1.6563% | 1,397 |
| Return on Equity (ROE) | 17.0166% | 609 |
| Retained earnings to average equity (ytd only) | 4.5563% | 3,696 |
| Net charge-offs to loans | 0.2309% | 3,338 |
| Credit loss provision to net charge-offs | 148.7013% | 1,905 |
| Earnings coverage of net charge-offs (x) | 13.5583% | 1,901 |
| Efficiency ratio | 55.2508% | 6,133 |
| Assets per employee ($millions) | 4.6096% | 2,733 |
| Cash dividends to net income (ytd only)* | 73.2239% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 3,318 |
| Loan loss allowance to noncurrent loans | 1,453.4314% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 6,485 |
| Noncurrent loans to loans | 0.1138% | 6,325 |
| Net loans and leases to total assets | 58.8500% | 3,984 |
| Net loans and leases to deposits | 74.8221% | 3,169 |
| Net loans and leases to core deposits | 79.6653% | 3,246 |
| Total domestic deposits to total assets | 78.6532% | 5,942 |
| Equity capital to assets | 9.9552% | 4,561 |
| Core capital (leverage) ratio | 8.9282% | 5,157 |
| Tier 1 risk-based capital ratio | 13.9346% | 4,578 |
| Total risk-based capital ratio | 15.1883% | 4,525 |
| Memoranda: | ||
| Average total assets | $299,302,500 | 2,161 |
| Average earning assets | $279,622,000 | 2,125 |
| Average equity | $28,677,250 | 2,359 |
| Average total loans | $177,871,250 | 2,265 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 4,658 |
| Cost of funding earning assets | 0.6472% | 4,467 |
| Net interest margin | 3.6301% | 4,140 |
| Noninterest income to average assets | 0.7306% | 2,513 |
| Noninterest expense to average assets | 2.3129% | 5,696 |
| Loan and lease loss provision to assets | 0.2473% | 2,589 |
| Net operating income to assets | 1.5268% | 952 |
| Return on assets (ROA) | 1.5268% | 1,070 |
| Pretax return on assets | 1.5562% | 1,692 |
| Return on Equity (ROE) | 16.1450% | 751 |
| Retained earnings to average equity (ytd only) | 1.9368% | 5,229 |
| Net charge-offs to loans | 0.3777% | 2,504 |
| Credit loss provision to net charge-offs | 110.4478% | 2,463 |
| Earnings coverage of net charge-offs (x) | 8.0537% | 2,368 |
| Efficiency ratio | 56.1871% | 6,093 |
| Assets per employee ($millions) | 4.5532% | 2,808 |
| Cash dividends to net income (ytd only)* | 88.0035% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,606 |
| Loan loss allowance to noncurrent loans | 544.9331% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 6,265 |
| Noncurrent loans to loans | 0.2936% | 5,977 |
| Net loans and leases to total assets | 59.2169% | 3,954 |
| Net loans and leases to deposits | 74.4626% | 3,215 |
| Net loans and leases to core deposits | 79.2053% | 3,338 |
| Total domestic deposits to total assets | 79.5257% | 5,855 |
| Equity capital to assets | 9.6923% | 4,768 |
| Core capital (leverage) ratio | 8.7351% | 5,319 |
| Tier 1 risk-based capital ratio | 13.5476% | 4,787 |
| Total risk-based capital ratio | 14.8006% | 4,749 |
| Memoranda: | ||
| Average total assets | $299,195,670 | 2,161 |
| Average earning assets | $279,052,330 | 2,129 |
| Average equity | $28,293,670 | 2,367 |
| Average total loans | $177,397,330 | 2,267 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 4,774 |
| Cost of funding earning assets | 0.6639% | 4,594 |
| Net interest margin | 3.6277% | 4,139 |
| Noninterest income to average assets | 0.7194% | 2,557 |
| Noninterest expense to average assets | 2.2406% | 5,935 |
| Loan and lease loss provision to assets | 0.2287% | 2,660 |
| Net operating income to assets | 1.5890% | 873 |
| Return on assets (ROA) | 1.5890% | 982 |
| Pretax return on assets | 1.6289% | 1,483 |
| Return on Equity (ROE) | 17.0119% | 669 |
| Retained earnings to average equity (ytd only) | 7.4738% | 2,187 |
| Net charge-offs to loans | 0.1423% | 3,247 |
| Credit loss provision to net charge-offs | 273.0159% | 1,065 |
| Earnings coverage of net charge-offs (x) | 22.1746% | 1,134 |
| Efficiency ratio | 54.6723% | 6,271 |
| Assets per employee ($millions) | 4.7713% | 2,558 |
| Cash dividends to net income (ytd only)* | 56.0669% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 3,545 |
| Loan loss allowance to noncurrent loans | 472.3748% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 6,176 |
| Noncurrent loans to loans | 0.3491% | 5,976 |
| Net loans and leases to total assets | 58.0173% | 4,034 |
| Net loans and leases to deposits | 72.6021% | 3,342 |
| Net loans and leases to core deposits | 77.2730% | 3,428 |
| Total domestic deposits to total assets | 79.9114% | 5,873 |
| Equity capital to assets | 9.4843% | 4,827 |
| Core capital (leverage) ratio | 8.9056% | 4,988 |
| Tier 1 risk-based capital ratio | 13.8478% | 4,575 |
| Total risk-based capital ratio | 15.1016% | 4,544 |
| Memoranda: | ||
| Average total assets | $300,815,500 | 2,161 |
| Average earning assets | $280,174,000 | 2,132 |
| Average equity | $28,098,000 | 2,383 |
| Average total loans | $177,043,000 | 2,280 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 5,055 |
| Cost of funding earning assets | 0.8180% | 4,723 |
| Net interest margin | 3.6876% | 4,354 |
| Noninterest income to average assets | 0.8730% | 1,762 |
| Noninterest expense to average assets | 2.3451% | 5,924 |
| Loan and lease loss provision to assets | 0.3854% | 2,680 |
| Net operating income to assets | 1.5742% | 708 |
| Return on assets (ROA) | 1.6304% | 679 |
| Pretax return on assets | 1.6406% | 1,120 |
| Return on Equity (ROE) | 17.9418% | 385 |
| Retained earnings to average equity (ytd only) | 7.5137% | 1,273 |
| Net charge-offs to loans | 0.5582% | 2,783 |
| Credit loss provision to net charge-offs | 113.5191% | 2,893 |
| Earnings coverage of net charge-offs (x) | 5.8008% | 2,679 |
| Efficiency ratio | 54.3565% | 6,477 |
| Assets per employee ($millions) | 4.7037% | 2,600 |
| Cash dividends to net income (ytd only)* | 58.1220% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,619 |
| Loan loss allowance to noncurrent loans | 236.5546% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 5,778 |
| Noncurrent loans to loans | 0.6732% | 5,349 |
| Net loans and leases to total assets | 57.7837% | 4,413 |
| Net loans and leases to deposits | 71.8663% | 3,817 |
| Net loans and leases to core deposits | 77.7803% | 3,706 |
| Total domestic deposits to total assets | 80.4045% | 5,622 |
| Equity capital to assets | 9.1972% | 5,292 |
| Core capital (leverage) ratio | 8.7899% | 5,119 |
| Tier 1 risk-based capital ratio | 13.2618% | 4,866 |
| Total risk-based capital ratio | 14.5141% | 4,845 |
| Memoranda: | ||
| Average total assets | $285,446,800 | 2,231 |
| Average earning assets | $266,380,800 | 2,193 |
| Average equity | $25,939,400 | 2,488 |
| Average total loans | $173,584,000 | 2,337 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 5,207 |
| Cost of funding earning assets | 0.8473% | 4,793 |
| Net interest margin | 3.6706% | 4,471 |
| Noninterest income to average assets | 0.7714% | 2,190 |
| Noninterest expense to average assets | 2.3451% | 5,920 |
| Loan and lease loss provision to assets | 0.3788% | 2,589 |
| Net operating income to assets | 1.4808% | 983 |
| Return on assets (ROA) | 1.4808% | 1,060 |
| Pretax return on assets | 1.4818% | 1,699 |
| Return on Equity (ROE) | 16.3483% | 633 |
| Retained earnings to average equity (ytd only) | 2.3370% | 4,948 |
| Net charge-offs to loans | 0.6343% | 2,345 |
| Credit loss provision to net charge-offs | 97.3236% | 3,519 |
| Earnings coverage of net charge-offs (x) | 4.7798% | 2,966 |
| Efficiency ratio | 55.7595% | 6,313 |
| Assets per employee ($millions) | 4.3681% | 3,141 |
| Cash dividends to net income (ytd only)* | 85.7050% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 4,096 |
| Loan loss allowance to noncurrent loans | 225.0211% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 4,916 |
| Noncurrent loans to loans | 0.6666% | 5,552 |
| Net loans and leases to total assets | 61.5658% | 3,825 |
| Net loans and leases to deposits | 77.7433% | 3,039 |
| Net loans and leases to core deposits | 85.5790% | 2,831 |
| Total domestic deposits to total assets | 79.1911% | 5,950 |
| Equity capital to assets | 9.3521% | 5,301 |
| Core capital (leverage) ratio | 8.6372% | 5,495 |
| Tier 1 risk-based capital ratio | 12.2959% | 5,671 |
| Total risk-based capital ratio | 13.5470% | 5,653 |
| Memoranda: | ||
| Average total assets | $281,549,000 | 2,265 |
| Average earning assets | $263,418,750 | 2,225 |
| Average equity | $25,502,500 | 2,527 |
| Average total loans | $172,788,500 | 2,357 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 5,527 |
| Cost of funding earning assets | 0.8700% | 4,901 |
| Net interest margin | 3.5796% | 4,787 |
| Noninterest income to average assets | 0.7138% | 2,469 |
| Noninterest expense to average assets | 2.3259% | 6,054 |
| Loan and lease loss provision to assets | 0.3562% | 2,651 |
| Net operating income to assets | 1.3898% | 1,106 |
| Return on assets (ROA) | 1.3898% | 1,171 |
| Pretax return on assets | 1.3905% | 1,816 |
| Return on Equity (ROE) | 15.5135% | 718 |
| Retained earnings to average equity (ytd only) | -0.4691% | 5,954 |
| Net charge-offs to loans | 0.7382% | 2,031 |
| Credit loss provision to net charge-offs | 79.1139% | 3,798 |
| Earnings coverage of net charge-offs (x) | 3.8797% | 3,023 |
| Efficiency ratio | 57.1104% | 6,280 |
| Assets per employee ($millions) | 4.3331% | 3,115 |
| Cash dividends to net income (ytd only)* | 103.0241% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 4,152 |
| Loan loss allowance to noncurrent loans | 121.9302% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 5,156 |
| Noncurrent loans to loans | 1.2269% | 4,612 |
| Net loans and leases to total assets | 60.5930% | 4,171 |
| Net loans and leases to deposits | 76.5346% | 3,371 |
| Net loans and leases to core deposits | 83.6061% | 3,270 |
| Total domestic deposits to total assets | 79.1707% | 6,042 |
| Equity capital to assets | 9.2162% | 5,255 |
| Core capital (leverage) ratio | 8.5941% | 5,415 |
| Tier 1 risk-based capital ratio | 12.6994% | 5,178 |
| Total risk-based capital ratio | 13.9508% | 5,149 |
| Memoranda: | ||
| Average total assets | $280,756,330 | 2,285 |
| Average earning assets | $263,434,670 | 2,228 |
| Average equity | $25,152,330 | 2,543 |
| Average total loans | $171,230,000 | 2,393 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 5,552 |
| Cost of funding earning assets | 0.8949% | 4,960 |
| Net interest margin | 3.5462% | 4,825 |
| Noninterest income to average assets | 0.6854% | 2,654 |
| Noninterest expense to average assets | 2.2742% | 6,250 |
| Loan and lease loss provision to assets | 0.2832% | 2,881 |
| Net operating income to assets | 1.4543% | 981 |
| Return on assets (ROA) | 1.4543% | 1,015 |
| Pretax return on assets | 1.4557% | 1,580 |
| Return on Equity (ROE) | 16.4653% | 628 |
| Retained earnings to average equity (ytd only) | 5.7236% | 2,788 |
| Net charge-offs to loans | 0.7998% | 1,623 |
| Credit loss provision to net charge-offs | 58.3090% | 3,577 |
| Earnings coverage of net charge-offs (x) | 3.5802% | 2,699 |
| Efficiency ratio | 56.6690% | 6,425 |
| Assets per employee ($millions) | 4.3626% | 3,105 |
| Cash dividends to net income (ytd only)* | 65.2386% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 4,210 |
| Loan loss allowance to noncurrent loans | 429.2230% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,635 |
| Noncurrent loans to loans | 0.3495% | 6,290 |
| Net loans and leases to total assets | 59.7497% | 4,318 |
| Net loans and leases to deposits | 74.6582% | 3,659 |
| Net loans and leases to core deposits | 81.4032% | 3,538 |
| Total domestic deposits to total assets | 80.0310% | 5,938 |
| Equity capital to assets | 9.0868% | 5,073 |
| Core capital (leverage) ratio | 8.7252% | 5,044 |
| Tier 1 risk-based capital ratio | 12.9580% | 4,859 |
| Total risk-based capital ratio | 14.2091% | 4,845 |
| Memoranda: | ||
| Average total assets | $282,476,500 | 2,285 |
| Average earning assets | $265,069,500 | 2,235 |
| Average equity | $24,949,500 | 2,552 |
| Average total loans | $171,552,000 | 2,416 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 5,833 |
| Cost of funding earning assets | 1.0877% | 5,201 |
| Net interest margin | 3.6023% | 4,808 |
| Noninterest income to average assets | 0.7212% | 2,703 |
| Noninterest expense to average assets | 2.4300% | 6,014 |
| Loan and lease loss provision to assets | 0.2566% | 4,737 |
| Net operating income to assets | 1.4108% | 926 |
| Return on assets (ROA) | 1.4240% | 964 |
| Pretax return on assets | 1.4244% | 1,581 |
| Return on Equity (ROE) | 15.9820% | 589 |
| Retained earnings to average equity (ytd only) | 4.9542% | 2,439 |
| Net charge-offs to loans | 0.1355% | 5,562 |
| Credit loss provision to net charge-offs | 296.6102% | 904 |
| Earnings coverage of net charge-offs (x) | 19.2754% | 1,065 |
| Efficiency ratio | 59.3003% | 6,148 |
| Assets per employee ($millions) | 4.5356% | 2,803 |
| Cash dividends to net income (ytd only)* | 69.0010% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,800 |
| Loan loss allowance to noncurrent loans | 209.1972% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 6,114 |
| Noncurrent loans to loans | 0.7385% | 5,569 |
| Net loans and leases to total assets | 59.8621% | 4,703 |
| Net loans and leases to deposits | 73.8906% | 4,207 |
| Net loans and leases to core deposits | 81.1493% | 4,036 |
| Total domestic deposits to total assets | 81.0145% | 5,519 |
| Equity capital to assets | 8.5839% | 5,744 |
| Core capital (leverage) ratio | 8.8006% | 4,853 |
| Tier 1 risk-based capital ratio | 12.6172% | 4,922 |
| Total risk-based capital ratio | 13.8695% | 4,901 |
| Memoranda: | ||
| Average total assets | $272,754,400 | 2,339 |
| Average earning assets | $255,670,400 | 2,293 |
| Average equity | $24,302,400 | 2,627 |
| Average total loans | $174,127,400 | 2,418 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 5,756 |
| Cost of funding earning assets | 1.1302% | 5,252 |
| Net interest margin | 3.6457% | 4,652 |
| Noninterest income to average assets | 0.7470% | 2,530 |
| Noninterest expense to average assets | 2.4296% | 5,942 |
| Loan and lease loss provision to assets | 0.2226% | 4,828 |
| Net operating income to assets | 1.5114% | 906 |
| Return on assets (ROA) | 1.5203% | 965 |
| Pretax return on assets | 1.5203% | 1,560 |
| Return on Equity (ROE) | 16.8986% | 597 |
| Retained earnings to average equity (ytd only) | 2.1611% | 4,878 |
| Net charge-offs to loans | 0.0551% | 5,969 |
| Credit loss provision to net charge-offs | 625.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 48.6794% | 579 |
| Efficiency ratio | 58.3531% | 6,212 |
| Assets per employee ($millions) | 4.2165% | 3,416 |
| Cash dividends to net income (ytd only)* | 87.2111% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 3,811 |
| Loan loss allowance to noncurrent loans | 330.1144% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 6,150 |
| Noncurrent loans to loans | 0.4646% | 6,262 |
| Net loans and leases to total assets | 62.7952% | 4,368 |
| Net loans and leases to deposits | 77.4759% | 3,925 |
| Net loans and leases to core deposits | 85.6726% | 3,706 |
| Total domestic deposits to total assets | 81.0513% | 5,346 |
| Equity capital to assets | 9.3127% | 5,119 |
| Core capital (leverage) ratio | 8.6755% | 5,228 |
| Tier 1 risk-based capital ratio | 12.4355% | 5,044 |
| Total risk-based capital ratio | 13.6874% | 5,012 |
| Memoranda: | ||
| Average total assets | $269,506,750 | 2,400 |
| Average earning assets | $252,564,000 | 2,349 |
| Average equity | $24,246,000 | 2,680 |
| Average total loans | $174,225,000 | 2,457 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 6,062 |
| Cost of funding earning assets | 1.1405% | 5,458 |
| Net interest margin | 3.5837% | 4,884 |
| Noninterest income to average assets | 0.7194% | 2,582 |
| Noninterest expense to average assets | 2.4136% | 6,030 |
| Loan and lease loss provision to assets | 0.2216% | 4,682 |
| Net operating income to assets | 1.4468% | 998 |
| Return on assets (ROA) | 1.4468% | 1,065 |
| Pretax return on assets | 1.4468% | 1,705 |
| Return on Equity (ROE) | 16.2694% | 670 |
| Retained earnings to average equity (ytd only) | -0.4236% | 5,829 |
| Net charge-offs to loans | 0.1046% | 5,104 |
| Credit loss provision to net charge-offs | 326.0870% | 1,121 |
| Earnings coverage of net charge-offs (x) | 24.5543% | 1,062 |
| Efficiency ratio | 59.1279% | 6,192 |
| Assets per employee ($millions) | 4.1402% | 3,509 |
| Cash dividends to net income (ytd only)* | 102.6034% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 4,335 |
| Loan loss allowance to noncurrent loans | 714.1176% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 6,564 |
| Noncurrent loans to loans | 0.1990% | 6,858 |
| Net loans and leases to total assets | 63.5779% | 4,334 |
| Net loans and leases to deposits | 77.7746% | 4,024 |
| Net loans and leases to core deposits | 85.6016% | 3,890 |
| Total domestic deposits to total assets | 81.7463% | 5,090 |
| Equity capital to assets | 9.0901% | 5,307 |
| Core capital (leverage) ratio | 8.5030% | 5,402 |
| Tier 1 risk-based capital ratio | 12.2076% | 5,118 |
| Total risk-based capital ratio | 13.4585% | 5,089 |
| Memoranda: | ||
| Average total assets | $270,796,330 | 2,413 |
| Average earning assets | $254,096,330 | 2,359 |
| Average equity | $24,082,000 | 2,687 |
| Average total loans | $175,831,330 | 2,473 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6764% | 6,326 |
| Cost of funding earning assets | 1.1446% | 5,682 |
| Net interest margin | 3.5318% | 5,026 |
| Noninterest income to average assets | 0.6796% | 2,741 |
| Noninterest expense to average assets | 2.3909% | 6,125 |
| Loan and lease loss provision to assets | 0.2192% | 4,308 |
| Net operating income to assets | 1.3840% | 1,111 |
| Return on assets (ROA) | 1.3840% | 1,187 |
| Pretax return on assets | 1.3840% | 1,825 |
| Return on Equity (ROE) | 15.7309% | 758 |
| Retained earnings to average equity (ytd only) | 4.6013% | 3,382 |
| Net charge-offs to loans | 0.0247% | 5,232 |
| Credit loss provision to net charge-offs | 1,363.6364% | 362 |
| Earnings coverage of net charge-offs (x) | 99.7273% | 319 |
| Efficiency ratio | 59.8610% | 6,202 |
| Assets per employee ($millions) | 4.1758% | 3,509 |
| Cash dividends to net income (ytd only)* | 70.7497% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 4,810 |
| Loan loss allowance to noncurrent loans | 660.7843% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 6,608 |
| Noncurrent loans to loans | 0.2003% | 6,940 |
| Net loans and leases to total assets | 65.8176% | 3,904 |
| Net loans and leases to deposits | 80.4045% | 3,574 |
| Net loans and leases to core deposits | 88.4304% | 3,579 |
| Total domestic deposits to total assets | 81.8581% | 5,131 |
| Equity capital to assets | 9.0945% | 5,144 |
| Core capital (leverage) ratio | 8.5972% | 5,203 |
| Tier 1 risk-based capital ratio | 12.0634% | 5,135 |
| Total risk-based capital ratio | 13.3050% | 5,107 |
| Memoranda: | ||
| Average total assets | $273,709,000 | 2,442 |
| Average earning assets | $256,863,000 | 2,382 |
| Average equity | $24,080,000 | 2,713 |
| Average total loans | $178,301,500 | 2,504 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 6,785 |
| Cost of funding earning assets | 1.3014% | 6,301 |
| Net interest margin | 3.5675% | 4,666 |
| Noninterest income to average assets | 0.8243% | 2,289 |
| Noninterest expense to average assets | 2.4545% | 6,291 |
| Loan and lease loss provision to assets | 0.2691% | 5,260 |
| Net operating income to assets | 1.4518% | 757 |
| Return on assets (ROA) | 1.5456% | 654 |
| Pretax return on assets | 1.5460% | 1,083 |
| Return on Equity (ROE) | 17.8814% | 378 |
| Retained earnings to average equity (ytd only) | 6.9391% | 981 |
| Net charge-offs to loans | 0.4823% | 3,841 |
| Credit loss provision to net charge-offs | 82.8402% | 6,222 |
| Earnings coverage of net charge-offs (x) | 5.2982% | 2,636 |
| Efficiency ratio | 58.7791% | 6,650 |
| Assets per employee ($millions) | 4.4471% | 3,021 |
| Cash dividends to net income (ytd only)* | 61.1940% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 5,092 |
| Loan loss allowance to noncurrent loans | 1,982.1429% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 6,641 |
| Noncurrent loans to loans | 0.0628% | 7,268 |
| Net loans and leases to total assets | 62.8646% | 4,840 |
| Net loans and leases to deposits | 76.1825% | 4,712 |
| Net loans and leases to core deposits | 94.0327% | 4,672 |
| Total domestic deposits to total assets | 82.5184% | 4,738 |
| Equity capital to assets | 8.5145% | 5,857 |
| Core capital (leverage) ratio | 8.4637% | 5,336 |
| Tier 1 risk-based capital ratio | 11.8691% | 5,062 |
| Total risk-based capital ratio | 13.0328% | 5,088 |
| Memoranda: | ||
| Average total assets | $260,096,200 | 2,513 |
| Average earning assets | $244,346,600 | 2,460 |
| Average equity | $22,481,400 | 2,893 |
| Average total loans | $175,213,800 | 2,571 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 6,867 |
| Cost of funding earning assets | 1.3311% | 6,466 |
| Net interest margin | 3.5758% | 4,567 |
| Noninterest income to average assets | 0.8949% | 2,002 |
| Noninterest expense to average assets | 2.5372% | 5,944 |
| Loan and lease loss provision to assets | 0.2221% | 5,198 |
| Net operating income to assets | 1.4965% | 818 |
| Return on assets (ROA) | 1.4970% | 876 |
| Pretax return on assets | 1.4975% | 1,423 |
| Return on Equity (ROE) | 17.2489% | 527 |
| Retained earnings to average equity (ytd only) | 2.4331% | 3,965 |
| Net charge-offs to loans | 0.1536% | 5,180 |
| Credit loss provision to net charge-offs | 211.4428% | 2,079 |
| Earnings coverage of net charge-offs (x) | 16.3634% | 1,474 |
| Efficiency ratio | 59.6095% | 6,468 |
| Assets per employee ($millions) | 4.3558% | 3,111 |
| Cash dividends to net income (ytd only)* | 85.8939% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 3,698 |
| Loan loss allowance to noncurrent loans | 301.0465% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 5,906 |
| Noncurrent loans to loans | 0.4812% | 6,356 |
| Net loans and leases to total assets | 66.2934% | 4,357 |
| Net loans and leases to deposits | 82.0936% | 4,004 |
| Net loans and leases to core deposits | 103.9136% | 3,948 |
| Total domestic deposits to total assets | 80.7535% | 5,172 |
| Equity capital to assets | 8.6743% | 5,997 |
| Core capital (leverage) ratio | 8.3479% | 5,756 |
| Tier 1 risk-based capital ratio | 11.2169% | 5,731 |
| Total risk-based capital ratio | 12.4682% | 5,680 |
| Memoranda: | ||
| Average total assets | $255,078,000 | 2,571 |
| Average earning assets | $239,789,500 | 2,519 |
| Average equity | $22,138,000 | 2,958 |
| Average total loans | $174,430,500 | 2,614 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 6,825 |
| Cost of funding earning assets | 1.3472% | 6,660 |
| Net interest margin | 3.6370% | 4,222 |
| Noninterest income to average assets | 0.9494% | 1,762 |
| Noninterest expense to average assets | 2.6294% | 5,619 |
| Loan and lease loss provision to assets | 0.2187% | 4,853 |
| Net operating income to assets | 1.5155% | 810 |
| Return on assets (ROA) | 1.5163% | 861 |
| Pretax return on assets | 1.5171% | 1,396 |
| Return on Equity (ROE) | 17.4676% | 535 |
| Retained earnings to average equity (ytd only) | -0.9435% | 5,464 |
| Net charge-offs to loans | 0.2127% | 4,183 |
| Credit loss provision to net charge-offs | 149.4565% | 3,094 |
| Earnings coverage of net charge-offs (x) | 11.8587% | 1,868 |
| Efficiency ratio | 60.2478% | 6,506 |
| Assets per employee ($millions) | 4.1702% | 3,350 |
| Cash dividends to net income (ytd only)* | 105.4012% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 3,470 |
| Loan loss allowance to noncurrent loans | 1,246.7005% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 6,487 |
| Noncurrent loans to loans | 0.1163% | 7,230 |
| Net loans and leases to total assets | 66.7451% | 4,409 |
| Net loans and leases to deposits | 81.3502% | 4,331 |
| Net loans and leases to core deposits | 102.1513% | 4,275 |
| Total domestic deposits to total assets | 82.0467% | 4,678 |
| Equity capital to assets | 8.6619% | 5,802 |
| Core capital (leverage) ratio | 8.3662% | 5,684 |
| Tier 1 risk-based capital ratio | 11.6450% | 5,247 |
| Total risk-based capital ratio | 12.8699% | 5,203 |
| Memoranda: | ||
| Average total assets | $251,535,670 | 2,616 |
| Average earning assets | $236,185,330 | 2,562 |
| Average equity | $21,834,670 | 2,992 |
| Average total loans | $172,996,000 | 2,655 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9940% | 6,946 |
| Cost of funding earning assets | 1.3559% | 6,856 |
| Net interest margin | 3.6382% | 4,148 |
| Noninterest income to average assets | 0.8707% | 1,983 |
| Noninterest expense to average assets | 2.4980% | 5,847 |
| Loan and lease loss provision to assets | 0.1983% | 4,459 |
| Net operating income to assets | 1.5861% | 803 |
| Return on assets (ROA) | 1.5861% | 883 |
| Pretax return on assets | 1.5876% | 1,439 |
| Return on Equity (ROE) | 18.2519% | 571 |
| Retained earnings to average equity (ytd only) | 6.0231% | 2,614 |
| Net charge-offs to loans | 0.4143% | 2,446 |
| Credit loss provision to net charge-offs | 69.0608% | 4,372 |
| Earnings coverage of net charge-offs (x) | 6.2210% | 2,528 |
| Efficiency ratio | 58.3117% | 6,646 |
| Assets per employee ($millions) | 4.0997% | 3,460 |
| Cash dividends to net income (ytd only)* | 67.0000% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 3,830 |
| Loan loss allowance to noncurrent loans | 408.6726% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 5,898 |
| Noncurrent loans to loans | 0.3289% | 6,608 |
| Net loans and leases to total assets | 66.6699% | 4,421 |
| Net loans and leases to deposits | 80.9383% | 4,461 |
| Net loans and leases to core deposits | 100.2841% | 4,512 |
| Total domestic deposits to total assets | 82.3713% | 4,416 |
| Equity capital to assets | 8.7839% | 5,647 |
| Core capital (leverage) ratio | 8.5707% | 5,393 |
| Tier 1 risk-based capital ratio | 11.8387% | 5,085 |
| Total risk-based capital ratio | 13.0892% | 4,994 |
| Memoranda: | ||
| Average total assets | $252,198,500 | 2,621 |
| Average earning assets | $236,603,500 | 2,564 |
| Average equity | $21,915,500 | 2,987 |
| Average total loans | $174,764,500 | 2,656 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9180% | 5,951 |
| Cost of funding earning assets | 2.1930% | 5,629 |
| Net interest margin | 3.7249% | 4,361 |
| Noninterest income to average assets | 0.8417% | 2,285 |
| Noninterest expense to average assets | 2.4505% | 6,202 |
| Loan and lease loss provision to assets | 0.1216% | 5,805 |
| Net operating income to assets | 1.7458% | 616 |
| Return on assets (ROA) | 1.7454% | 593 |
| Pretax return on assets | 1.7466% | 1,058 |
| Return on Equity (ROE) | 21.3190% | 288 |
| Retained earnings to average equity (ytd only) | 8.0534% | 831 |
| Net charge-offs to loans | 0.2588% | 3,687 |
| Credit loss provision to net charge-offs | 64.6552% | 6,169 |
| Earnings coverage of net charge-offs (x) | 9.9375% | 2,608 |
| Efficiency ratio | 56.7367% | 6,902 |
| Assets per employee ($millions) | 3.9717% | 3,582 |
| Cash dividends to net income (ytd only)* | 62.2243% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 3,591 |
| Loan loss allowance to noncurrent loans | 2,657.3034% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 6,205 |
| Noncurrent loans to loans | 0.0501% | 7,311 |
| Net loans and leases to total assets | 70.0965% | 3,995 |
| Net loans and leases to deposits | 84.9187% | 4,268 |
| Net loans and leases to core deposits | 103.9175% | 4,404 |
| Total domestic deposits to total assets | 82.5454% | 3,977 |
| Equity capital to assets | 8.5942% | 5,945 |
| Core capital (leverage) ratio | 8.6041% | 5,375 |
| Tier 1 risk-based capital ratio | 11.3062% | 5,434 |
| Total risk-based capital ratio | 12.5562% | 5,332 |
| Memoranda: | ||
| Average total assets | $246,765,200 | 2,588 |
| Average earning assets | $230,365,600 | 2,553 |
| Average equity | $20,202,600 | 3,197 |
| Average total loans | $179,306,200 | 2,508 |