Home > Carolina Bank & Trust Co. > Performance and Condition Ratios
Carolina Bank & Trust Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 2,487 |
| Cost of funding earning assets | 0.9392% | 3,441 |
| Net interest margin | 3.8517% | 1,471 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.0233% | 3,572 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.4826% | 1,046 |
| Return on assets (ROA) | 1.4826% | 1,022 |
| Pretax return on assets | 1.9270% | 747 |
| Return on Equity (ROE) | 13.1600% | 1,685 |
| Retained earnings to average equity (ytd only) | 8.3941% | 1,427 |
| Net charge-offs to loans | 0.2788% | 383 |
| Credit loss provision to net charge-offs | 108.7719% | 1,763 |
| Earnings coverage of net charge-offs (x) | 11.3018% | 2,199 |
| Efficiency ratio | 48.6889% | 4,054 |
| Assets per employee ($millions) | 7.5822% | 1,668 |
| Cash dividends to net income (ytd only)* | 36.1940% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 1,563 |
| Loan loss allowance to noncurrent loans | 336.8129% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 1,793 |
| Noncurrent loans to loans | 0.4023% | 1,781 |
| Net loans and leases to total assets | 70.7300% | 1,734 |
| Net loans and leases to deposits | 80.9784% | 2,034 |
| Net loans and leases to core deposits | 84.9035% | 2,383 |
| Total domestic deposits to total assets | 87.3400% | 1,576 |
| Equity capital to assets | 11.8897% | 1,169 |
| Core capital (leverage) ratio | 12.7714% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5202% | 730 |
| Memoranda: | ||
| Average total assets | $755,305,000 | 1,234 |
| Average earning assets | $713,473,600 | 1,209 |
| Average equity | $85,119,800 | 1,081 |
| Average total loans | $511,084,000 | 1,208 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 2,460 |
| Cost of funding earning assets | 0.8666% | 3,353 |
| Net interest margin | 3.8389% | 1,516 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.9689% | 3,670 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.4863% | 1,153 |
| Return on assets (ROA) | 1.4863% | 1,133 |
| Pretax return on assets | 1.9850% | 764 |
| Return on Equity (ROE) | 13.3700% | 1,834 |
| Retained earnings to average equity (ytd only) | 9.2520% | 1,619 |
| Net charge-offs to loans | 0.3368% | 261 |
| Credit loss provision to net charge-offs | 94.1915% | 1,669 |
| Earnings coverage of net charge-offs (x) | 9.7818% | 2,154 |
| Efficiency ratio | 47.2686% | 4,078 |
| Assets per employee ($millions) | 7.4240% | 1,687 |
| Cash dividends to net income (ytd only)* | 30.8075% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 1,608 |
| Loan loss allowance to noncurrent loans | 283.4932% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 1,642 |
| Noncurrent loans to loans | 0.4810% | 1,620 |
| Net loans and leases to total assets | 71.2500% | 1,661 |
| Net loans and leases to deposits | 81.7382% | 1,923 |
| Net loans and leases to core deposits | 85.3157% | 2,226 |
| Total domestic deposits to total assets | 87.1700% | 1,835 |
| Equity capital to assets | 11.9649% | 1,043 |
| Core capital (leverage) ratio | 12.5909% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8424% | 716 |
| Memoranda: | ||
| Average total assets | $756,472,250 | 1,232 |
| Average earning assets | $714,836,750 | 1,207 |
| Average equity | $84,087,750 | 1,085 |
| Average total loans | $504,301,500 | 1,219 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 2,396 |
| Cost of funding earning assets | 0.8097% | 3,176 |
| Net interest margin | 3.8015% | 1,622 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.8881% | 3,842 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.4536% | 1,204 |
| Return on assets (ROA) | 1.4536% | 1,187 |
| Pretax return on assets | 1.9545% | 799 |
| Return on Equity (ROE) | 13.4000% | 1,819 |
| Retained earnings to average equity (ytd only) | 12.0677% | 971 |
| Net charge-offs to loans | 0.4734% | 176 |
| Credit loss provision to net charge-offs | 59.2718% | 1,636 |
| Earnings coverage of net charge-offs (x) | 6.9526% | 2,103 |
| Efficiency ratio | 46.9128% | 4,120 |
| Assets per employee ($millions) | 7.6965% | 1,472 |
| Cash dividends to net income (ytd only)* | 9.9177% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 1,815 |
| Loan loss allowance to noncurrent loans | 294.2782% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 1,712 |
| Noncurrent loans to loans | 0.4510% | 1,587 |
| Net loans and leases to total assets | 65.9100% | 2,165 |
| Net loans and leases to deposits | 75.1257% | 2,396 |
| Net loans and leases to core deposits | 77.9972% | 2,614 |
| Total domestic deposits to total assets | 87.7300% | 1,697 |
| Equity capital to assets | 11.4084% | 1,228 |
| Core capital (leverage) ratio | 12.1921% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1423% | 709 |
| Memoranda: | ||
| Average total assets | $768,586,333 | 1,211 |
| Average earning assets | $726,440,667 | 1,192 |
| Average equity | $83,396,000 | 1,088 |
| Average total loans | $498,995,333 | 1,217 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 2,069 |
| Cost of funding earning assets | 0.7044% | 3,041 |
| Net interest margin | 3.9029% | 1,480 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.8501% | 3,951 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.5160% | 1,157 |
| Return on assets (ROA) | 1.5160% | 1,137 |
| Pretax return on assets | 2.0182% | 751 |
| Return on Equity (ROE) | 14.3300% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.6292% | 1,334 |
| Net charge-offs to loans | 0.1643% | 430 |
| Credit loss provision to net charge-offs | 196.0784% | 837 |
| Earnings coverage of net charge-offs (x) | 21.1471% | 1,436 |
| Efficiency ratio | 45.4062% | 4,254 |
| Assets per employee ($millions) | 8.1823% | 1,258 |
| Cash dividends to net income (ytd only)* | 18.8435% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,344 |
| Loan loss allowance to noncurrent loans | 317.6445% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 1,640 |
| Noncurrent loans to loans | 0.4656% | 1,552 |
| Net loans and leases to total assets | 64.4600% | 2,206 |
| Net loans and leases to deposits | 73.1515% | 2,369 |
| Net loans and leases to core deposits | 74.5898% | 2,638 |
| Total domestic deposits to total assets | 88.1200% | 1,890 |
| Equity capital to assets | 10.9595% | 1,360 |
| Core capital (leverage) ratio | 11.1952% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6869% | 772 |
| Memoranda: | ||
| Average total assets | $775,749,500 | 1,219 |
| Average earning assets | $733,712,500 | 1,197 |
| Average equity | $82,069,500 | 1,118 |
| Average total loans | $496,584,000 | 1,233 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 3,206 |
| Cost of funding earning assets | 0.2465% | 3,351 |
| Net interest margin | 3.2042% | 2,859 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.7939% | 4,040 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2509% | 1,602 |
| Return on assets (ROA) | 1.2509% | 1,545 |
| Pretax return on assets | 1.6209% | 1,112 |
| Return on Equity (ROE) | 12.8800% | 1,847 |
| Retained earnings to average equity (ytd only) | 12.1556% | 640 |
| Net charge-offs to loans | 0.0305% | 1,459 |
| Credit loss provision to net charge-offs | 652.1739% | 565 |
| Earnings coverage of net charge-offs (x) | 99.8986% | 975 |
| Efficiency ratio | 50.8468% | 4,075 |
| Assets per employee ($millions) | 8.1500% | 1,249 |
| Cash dividends to net income (ytd only)* | 5.5913% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,349 |
| Loan loss allowance to noncurrent loans | 1,002.3776% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 2,916 |
| Noncurrent loans to loans | 0.1444% | 2,791 |
| Net loans and leases to total assets | 61.7500% | 2,467 |
| Net loans and leases to deposits | 69.2969% | 2,642 |
| Net loans and leases to core deposits | 70.6521% | 2,828 |
| Total domestic deposits to total assets | 89.1000% | 1,688 |
| Equity capital to assets | 10.2135% | 1,602 |
| Core capital (leverage) ratio | 11.1797% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6641% | 762 |
| Memoranda: | ||
| Average total assets | $794,971,200 | 1,192 |
| Average earning assets | $755,421,200 | 1,165 |
| Average equity | $77,231,800 | 1,160 |
| Average total loans | $452,373,200 | 1,266 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2001% | 3,438 |
| Cost of funding earning assets | 0.1660% | 3,670 |
| Net interest margin | 3.0341% | 3,130 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.7549% | 4,068 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1136% | 2,037 |
| Return on assets (ROA) | 1.1136% | 2,005 |
| Pretax return on assets | 1.4648% | 1,517 |
| Return on Equity (ROE) | 11.6100% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.6396% | 1,158 |
| Net charge-offs to loans | 0.0314% | 1,211 |
| Credit loss provision to net charge-offs | 576.9231% | 564 |
| Earnings coverage of net charge-offs (x) | 89.8654% | 995 |
| Efficiency ratio | 52.8551% | 3,932 |
| Assets per employee ($millions) | 8.1948% | 1,222 |
| Cash dividends to net income (ytd only)* | 8.3622% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 1,325 |
| Loan loss allowance to noncurrent loans | 921.3618% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 3,002 |
| Noncurrent loans to loans | 0.1614% | 2,797 |
| Net loans and leases to total assets | 57.5100% | 2,757 |
| Net loans and leases to deposits | 64.1603% | 2,855 |
| Net loans and leases to core deposits | 65.4466% | 2,992 |
| Total domestic deposits to total assets | 89.6300% | 1,819 |
| Equity capital to assets | 9.6665% | 1,791 |
| Core capital (leverage) ratio | 10.4506% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1182% | 718 |
| Memoranda: | ||
| Average total assets | $796,076,750 | 1,192 |
| Average earning assets | $757,336,500 | 1,168 |
| Average equity | $76,354,000 | 1,189 |
| Average total loans | $441,640,000 | 1,278 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9943% | 3,576 |
| Cost of funding earning assets | 0.1350% | 3,773 |
| Net interest margin | 2.8593% | 3,269 |
| Noninterest income to average assets | 0.4296% | 2,574 |
| Noninterest expense to average assets | 1.7191% | 4,111 |
| Loan and lease loss provision to assets | 0.0753% | 1,279 |
| Net operating income to assets | 1.0248% | 2,072 |
| Return on assets (ROA) | 1.0248% | 2,039 |
| Pretax return on assets | 1.3535% | 1,574 |
| Return on Equity (ROE) | 10.7124% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.2791% | 1,203 |
| Net charge-offs to loans | 0.0249% | 1,227 |
| Credit loss provision to net charge-offs | 555.5556% | 601 |
| Earnings coverage of net charge-offs (x) | 105.3704% | 790 |
| Efficiency ratio | 54.6107% | 3,906 |
| Assets per employee ($millions) | 8.4507% | 1,086 |
| Cash dividends to net income (ytd only)* | 13.3791% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,469 |
| Loan loss allowance to noncurrent loans | 947.4359% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 3,117 |
| Noncurrent loans to loans | 0.1558% | 2,911 |
| Net loans and leases to total assets | 54.7119% | 2,888 |
| Net loans and leases to deposits | 60.7998% | 2,987 |
| Net loans and leases to core deposits | 62.0684% | 3,111 |
| Total domestic deposits to total assets | 89.9871% | 1,713 |
| Equity capital to assets | 9.3849% | 2,106 |
| Core capital (leverage) ratio | 10.0165% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1100% | 699 |
| Memoranda: | ||
| Average total assets | $796,470,000 | 1,196 |
| Average earning assets | $757,173,333 | 1,181 |
| Average equity | $76,192,333 | 1,214 |
| Average total loans | $434,172,000 | 1,293 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9086% | 3,513 |
| Cost of funding earning assets | 0.1375% | 3,668 |
| Net interest margin | 2.7712% | 3,223 |
| Noninterest income to average assets | 0.4268% | 2,517 |
| Noninterest expense to average assets | 1.7053% | 4,125 |
| Loan and lease loss provision to assets | 0.0760% | 1,081 |
| Net operating income to assets | 0.9697% | 1,997 |
| Return on assets (ROA) | 0.9697% | 1,995 |
| Pretax return on assets | 1.2815% | 1,561 |
| Return on Equity (ROE) | 10.0394% | 1,957 |
| Retained earnings to average equity (ytd only) | 7.1740% | 1,839 |
| Net charge-offs to loans | 0.0366% | 928 |
| Credit loss provision to net charge-offs | 384.6154% | 591 |
| Earnings coverage of net charge-offs (x) | 68.6667% | 804 |
| Efficiency ratio | 55.6769% | 3,911 |
| Assets per employee ($millions) | 8.2080% | 1,253 |
| Cash dividends to net income (ytd only)* | 28.5416% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,571 |
| Loan loss allowance to noncurrent loans | 827.9543% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 3,065 |
| Noncurrent loans to loans | 0.1802% | 2,916 |
| Net loans and leases to total assets | 51.8999% | 2,998 |
| Net loans and leases to deposits | 57.5473% | 3,117 |
| Net loans and leases to core deposits | 58.7166% | 3,256 |
| Total domestic deposits to total assets | 90.1865% | 1,453 |
| Equity capital to assets | 9.1380% | 2,591 |
| Core capital (leverage) ratio | 10.0722% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2882% | 715 |
| Memoranda: | ||
| Average total assets | $789,069,500 | 1,204 |
| Average earning assets | $750,589,500 | 1,189 |
| Average equity | $76,220,000 | 1,240 |
| Average total loans | $426,001,500 | 1,304 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 2,990 |
| Cost of funding earning assets | 0.1499% | 3,979 |
| Net interest margin | 3.2264% | 2,536 |
| Noninterest income to average assets | 0.4898% | 2,623 |
| Noninterest expense to average assets | 2.0200% | 3,620 |
| Loan and lease loss provision to assets | 0.0741% | 1,624 |
| Net operating income to assets | 1.1112% | 2,239 |
| Return on assets (ROA) | 1.1112% | 2,302 |
| Pretax return on assets | 1.4421% | 1,907 |
| Return on Equity (ROE) | 10.2125% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.4250% | 1,064 |
| Net charge-offs to loans | 0.0039% | 2,469 |
| Credit loss provision to net charge-offs | 3,125.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 639.2500% | 226 |
| Efficiency ratio | 57.1243% | 3,564 |
| Assets per employee ($millions) | 7.3445% | 1,695 |
| Cash dividends to net income (ytd only)* | 7.7108% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 1,415 |
| Loan loss allowance to noncurrent loans | 847.2222% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 3,135 |
| Noncurrent loans to loans | 0.1821% | 3,031 |
| Net loans and leases to total assets | 54.5735% | 2,780 |
| Net loans and leases to deposits | 61.2799% | 2,959 |
| Net loans and leases to core deposits | 62.6776% | 3,103 |
| Total domestic deposits to total assets | 89.0562% | 1,485 |
| Equity capital to assets | 10.2366% | 2,433 |
| Core capital (leverage) ratio | 10.8933% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4987% | 602 |
| Memoranda: | ||
| Average total assets | $674,589,800 | 1,319 |
| Average earning assets | $636,968,200 | 1,313 |
| Average equity | $73,400,600 | 1,297 |
| Average total loans | $410,285,200 | 1,350 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4663% | 2,930 |
| Cost of funding earning assets | 0.1546% | 4,071 |
| Net interest margin | 3.3117% | 2,386 |
| Noninterest income to average assets | 0.4927% | 2,654 |
| Noninterest expense to average assets | 1.9928% | 3,701 |
| Loan and lease loss provision to assets | 0.0915% | 1,307 |
| Net operating income to assets | 1.1466% | 2,378 |
| Return on assets (ROA) | 1.1466% | 2,439 |
| Pretax return on assets | 1.5304% | 1,901 |
| Return on Equity (ROE) | 10.3627% | 2,607 |
| Retained earnings to average equity (ytd only) | 9.3303% | 1,564 |
| Net charge-offs to loans | 0.0179% | 1,701 |
| Credit loss provision to net charge-offs | 818.1818% | 582 |
| Earnings coverage of net charge-offs (x) | 145.0727% | 693 |
| Efficiency ratio | 55.1313% | 3,640 |
| Assets per employee ($millions) | 6.9875% | 1,878 |
| Cash dividends to net income (ytd only)* | 9.9628% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 1,553 |
| Loan loss allowance to noncurrent loans | 733.5656% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 3,305 |
| Noncurrent loans to loans | 0.2071% | 3,123 |
| Net loans and leases to total assets | 58.0237% | 2,497 |
| Net loans and leases to deposits | 65.5374% | 2,675 |
| Net loans and leases to core deposits | 67.2302% | 2,836 |
| Total domestic deposits to total assets | 88.5353% | 1,550 |
| Equity capital to assets | 10.6289% | 2,338 |
| Core capital (leverage) ratio | 11.4410% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2693% | 670 |
| Memoranda: | ||
| Average total assets | $655,953,250 | 1,365 |
| Average earning assets | $618,356,000 | 1,354 |
| Average equity | $72,579,250 | 1,326 |
| Average total loans | $409,047,750 | 1,379 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 2,867 |
| Cost of funding earning assets | 0.1610% | 4,113 |
| Net interest margin | 3.3481% | 2,306 |
| Noninterest income to average assets | 0.4933% | 2,649 |
| Noninterest expense to average assets | 1.9979% | 3,705 |
| Loan and lease loss provision to assets | 0.0938% | 1,337 |
| Net operating income to assets | 1.1874% | 2,237 |
| Return on assets (ROA) | 1.1874% | 2,303 |
| Pretax return on assets | 1.5503% | 1,871 |
| Return on Equity (ROE) | 10.5785% | 2,561 |
| Retained earnings to average equity (ytd only) | 9.0123% | 1,706 |
| Net charge-offs to loans | 0.0177% | 1,589 |
| Credit loss provision to net charge-offs | 833.3333% | 522 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 596 |
| Efficiency ratio | 54.8570% | 3,694 |
| Assets per employee ($millions) | 6.8452% | 1,913 |
| Cash dividends to net income (ytd only)* | 14.8051% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,631 |
| Loan loss allowance to noncurrent loans | 1,310.3814% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,748 |
| Noncurrent loans to loans | 0.1135% | 3,623 |
| Net loans and leases to total assets | 60.4463% | 2,374 |
| Net loans and leases to deposits | 68.4672% | 2,572 |
| Net loans and leases to core deposits | 70.0577% | 2,775 |
| Total domestic deposits to total assets | 88.2851% | 1,677 |
| Equity capital to assets | 10.8156% | 2,132 |
| Core capital (leverage) ratio | 12.0877% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6855% | 637 |
| Memoranda: | ||
| Average total assets | $639,358,000 | 1,390 |
| Average earning assets | $601,299,000 | 1,375 |
| Average equity | $71,768,333 | 1,330 |
| Average total loans | $406,793,000 | 1,391 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6225% | 2,572 |
| Cost of funding earning assets | 0.1720% | 4,146 |
| Net interest margin | 3.4506% | 1,959 |
| Noninterest income to average assets | 0.5114% | 2,560 |
| Noninterest expense to average assets | 2.0613% | 3,532 |
| Loan and lease loss provision to assets | 0.0967% | 1,390 |
| Net operating income to assets | 1.2144% | 2,092 |
| Return on assets (ROA) | 1.2144% | 2,177 |
| Pretax return on assets | 1.5885% | 1,763 |
| Return on Equity (ROE) | 10.6077% | 2,494 |
| Retained earnings to average equity (ytd only) | 7.4417% | 2,440 |
| Net charge-offs to loans | 0.0229% | 1,288 |
| Credit loss provision to net charge-offs | 652.1739% | 534 |
| Earnings coverage of net charge-offs (x) | 113.6087% | 566 |
| Efficiency ratio | 55.0181% | 3,663 |
| Assets per employee ($millions) | 6.3373% | 2,304 |
| Cash dividends to net income (ytd only)* | 29.8460% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,723 |
| Loan loss allowance to noncurrent loans | 621.5827% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 3,396 |
| Noncurrent loans to loans | 0.2356% | 3,260 |
| Net loans and leases to total assets | 64.2096% | 2,016 |
| Net loans and leases to deposits | 73.2817% | 2,185 |
| Net loans and leases to core deposits | 75.0461% | 2,428 |
| Total domestic deposits to total assets | 87.6202% | 2,035 |
| Equity capital to assets | 11.2755% | 1,670 |
| Core capital (leverage) ratio | 12.5897% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0675% | 578 |
| Memoranda: | ||
| Average total assets | $620,198,500 | 1,411 |
| Average earning assets | $581,470,500 | 1,407 |
| Average equity | $71,005,000 | 1,332 |
| Average total loans | $402,281,500 | 1,403 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 2,865 |
| Cost of funding earning assets | 0.2793% | 4,253 |
| Net interest margin | 3.6756% | 1,890 |
| Noninterest income to average assets | 0.5731% | 2,324 |
| Noninterest expense to average assets | 2.3780% | 3,180 |
| Loan and lease loss provision to assets | 0.1635% | 2,331 |
| Net operating income to assets | 1.1420% | 1,757 |
| Return on assets (ROA) | 1.1420% | 1,882 |
| Pretax return on assets | 1.4577% | 1,483 |
| Return on Equity (ROE) | 9.3147% | 2,280 |
| Retained earnings to average equity (ytd only) | 8.4936% | 911 |
| Net charge-offs to loans | -0.0447% | 4,644 |
| Credit loss provision to net charge-offs | -545.4545% | 3,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4612% | 3,526 |
| Assets per employee ($millions) | 6.0667% | 2,282 |
| Cash dividends to net income (ytd only)* | 8.8146% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,540 |
| Loan loss allowance to noncurrent loans | 486.9243% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 3,285 |
| Noncurrent loans to loans | 0.3105% | 3,096 |
| Net loans and leases to total assets | 63.5734% | 2,422 |
| Net loans and leases to deposits | 72.7094% | 2,617 |
| Net loans and leases to core deposits | 74.4993% | 2,864 |
| Total domestic deposits to total assets | 87.4348% | 1,730 |
| Equity capital to assets | 11.6297% | 1,787 |
| Core capital (leverage) ratio | 13.0816% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3603% | 552 |
| Memoranda: | ||
| Average total assets | $550,371,000 | 1,430 |
| Average earning assets | $513,036,800 | 1,425 |
| Average equity | $67,474,000 | 1,332 |
| Average total loans | $369,265,400 | 1,455 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 2,942 |
| Cost of funding earning assets | 0.3100% | 4,269 |
| Net interest margin | 3.7002% | 1,939 |
| Noninterest income to average assets | 0.6031% | 2,165 |
| Noninterest expense to average assets | 2.3864% | 3,178 |
| Loan and lease loss provision to assets | 0.1740% | 2,243 |
| Net operating income to assets | 1.0956% | 1,997 |
| Return on assets (ROA) | 1.0956% | 2,124 |
| Pretax return on assets | 1.4907% | 1,467 |
| Return on Equity (ROE) | 8.8088% | 2,472 |
| Retained earnings to average equity (ytd only) | 7.7015% | 1,418 |
| Net charge-offs to loans | -0.0645% | 4,743 |
| Credit loss provision to net charge-offs | -397.7273% | 3,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9076% | 3,533 |
| Assets per employee ($millions) | 5.6192% | 2,614 |
| Cash dividends to net income (ytd only)* | 12.5709% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 1,550 |
| Loan loss allowance to noncurrent loans | 414.1618% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,246 |
| Noncurrent loans to loans | 0.3493% | 3,035 |
| Net loans and leases to total assets | 67.4665% | 2,323 |
| Net loans and leases to deposits | 77.6285% | 2,572 |
| Net loans and leases to core deposits | 79.6592% | 2,868 |
| Total domestic deposits to total assets | 86.9095% | 1,710 |
| Equity capital to assets | 11.8952% | 1,741 |
| Core capital (leverage) ratio | 13.1567% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2478% | 561 |
| Memoranda: | ||
| Average total assets | $536,296,500 | 1,444 |
| Average earning assets | $499,746,500 | 1,436 |
| Average equity | $66,704,000 | 1,331 |
| Average total loans | $363,681,500 | 1,458 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,278 |
| Cost of funding earning assets | 0.3483% | 4,276 |
| Net interest margin | 3.6713% | 2,264 |
| Noninterest income to average assets | 0.6041% | 2,114 |
| Noninterest expense to average assets | 2.4365% | 3,151 |
| Loan and lease loss provision to assets | 0.1915% | 2,114 |
| Net operating income to assets | 1.0560% | 2,123 |
| Return on assets (ROA) | 1.0560% | 2,255 |
| Pretax return on assets | 1.3881% | 1,751 |
| Return on Equity (ROE) | 8.3559% | 2,612 |
| Retained earnings to average equity (ytd only) | 6.6768% | 1,787 |
| Net charge-offs to loans | 0.0385% | 1,978 |
| Credit loss provision to net charge-offs | 735.2941% | 965 |
| Earnings coverage of net charge-offs (x) | 60.6471% | 959 |
| Efficiency ratio | 60.6676% | 3,324 |
| Assets per employee ($millions) | 5.4865% | 2,653 |
| Cash dividends to net income (ytd only)* | 20.0943% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 1,766 |
| Loan loss allowance to noncurrent loans | 312.4040% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 3,111 |
| Noncurrent loans to loans | 0.4330% | 2,867 |
| Net loans and leases to total assets | 68.2561% | 2,308 |
| Net loans and leases to deposits | 78.7005% | 2,576 |
| Net loans and leases to core deposits | 80.8101% | 2,889 |
| Total domestic deposits to total assets | 86.7290% | 1,722 |
| Equity capital to assets | 11.9039% | 1,726 |
| Core capital (leverage) ratio | 13.1543% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4809% | 628 |
| Memoranda: | ||
| Average total assets | $522,135,667 | 1,456 |
| Average earning assets | $485,279,667 | 1,446 |
| Average equity | $65,989,667 | 1,333 |
| Average total loans | $352,837,333 | 1,482 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,738 |
| Cost of funding earning assets | 0.4255% | 4,255 |
| Net interest margin | 3.9371% | 1,559 |
| Noninterest income to average assets | 0.6224% | 1,939 |
| Noninterest expense to average assets | 2.5223% | 3,206 |
| Loan and lease loss provision to assets | 0.1598% | 1,812 |
| Net operating income to assets | 1.2176% | 1,460 |
| Return on assets (ROA) | 1.2176% | 1,571 |
| Pretax return on assets | 1.5923% | 1,073 |
| Return on Equity (ROE) | 9.3283% | 1,987 |
| Retained earnings to average equity (ytd only) | 5.9740% | 1,885 |
| Net charge-offs to loans | 0.0635% | 1,379 |
| Credit loss provision to net charge-offs | 377.3585% | 1,042 |
| Earnings coverage of net charge-offs (x) | 41.3774% | 1,011 |
| Efficiency ratio | 59.0093% | 3,871 |
| Assets per employee ($millions) | 4.8650% | 2,797 |
| Cash dividends to net income (ytd only)* | 35.9580% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,432 |
| Loan loss allowance to noncurrent loans | 113.2157% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 1,537 |
| Noncurrent loans to loans | 1.3024% | 1,256 |
| Net loans and leases to total assets | 65.4419% | 2,881 |
| Net loans and leases to deposits | 76.0287% | 3,072 |
| Net loans and leases to core deposits | 78.2303% | 3,339 |
| Total domestic deposits to total assets | 86.0752% | 1,972 |
| Equity capital to assets | 12.9282% | 1,466 |
| Core capital (leverage) ratio | 12.9054% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6938% | 781 |
| Memoranda: | ||
| Average total assets | $500,648,500 | 1,464 |
| Average earning assets | $464,404,500 | 1,455 |
| Average equity | $65,349,500 | 1,344 |
| Average total loans | $333,750,500 | 1,509 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 2,994 |
| Cost of funding earning assets | 0.5148% | 4,025 |
| Net interest margin | 3.9694% | 1,944 |
| Noninterest income to average assets | 0.7618% | 1,580 |
| Noninterest expense to average assets | 2.6176% | 3,127 |
| Loan and lease loss provision to assets | 0.1615% | 1,291 |
| Net operating income to assets | 1.2516% | 1,865 |
| Return on assets (ROA) | 1.2516% | 1,951 |
| Pretax return on assets | 1.6693% | 1,274 |
| Return on Equity (ROE) | 9.7557% | 2,412 |
| Retained earnings to average equity (ytd only) | 8.9775% | 716 |
| Net charge-offs to loans | 0.1355% | 1,428 |
| Credit loss provision to net charge-offs | 170.3297% | 1,524 |
| Earnings coverage of net charge-offs (x) | 19.3055% | 2,007 |
| Efficiency ratio | 58.8436% | 3,859 |
| Assets per employee ($millions) | 5.0564% | 2,507 |
| Cash dividends to net income (ytd only)* | 7.9767% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 1,283 |
| Loan loss allowance to noncurrent loans | 129.7702% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 1,697 |
| Noncurrent loans to loans | 1.1402% | 1,323 |
| Net loans and leases to total assets | 65.9260% | 2,962 |
| Net loans and leases to deposits | 76.7479% | 3,112 |
| Net loans and leases to core deposits | 79.4329% | 3,349 |
| Total domestic deposits to total assets | 85.8994% | 2,107 |
| Equity capital to assets | 13.1829% | 1,422 |
| Core capital (leverage) ratio | 13.2346% | 1,142 |
| Tier 1 risk-based capital ratio | 19.6933% | 1,370 |
| Total risk-based capital ratio | 20.9461% | 1,343 |
| Memoranda: | ||
| Average total assets | $479,793,200 | 1,475 |
| Average earning assets | $445,605,600 | 1,468 |
| Average equity | $61,554,000 | 1,360 |
| Average total loans | $335,873,400 | 1,472 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5181% | 3,000 |
| Cost of funding earning assets | 0.5312% | 4,015 |
| Net interest margin | 3.9869% | 1,990 |
| Noninterest income to average assets | 0.7713% | 1,516 |
| Noninterest expense to average assets | 2.5910% | 3,189 |
| Loan and lease loss provision to assets | 0.1747% | 1,057 |
| Net operating income to assets | 1.2108% | 2,159 |
| Return on assets (ROA) | 1.2108% | 2,233 |
| Pretax return on assets | 1.7116% | 1,311 |
| Return on Equity (ROE) | 9.5054% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.4546% | 1,220 |
| Net charge-offs to loans | 0.1310% | 1,214 |
| Credit loss provision to net charge-offs | 188.2530% | 1,387 |
| Earnings coverage of net charge-offs (x) | 20.3311% | 1,961 |
| Efficiency ratio | 57.8704% | 3,956 |
| Assets per employee ($millions) | 4.8100% | 2,777 |
| Cash dividends to net income (ytd only)* | 11.0547% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,445 |
| Loan loss allowance to noncurrent loans | 116.1935% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 1,584 |
| Noncurrent loans to loans | 1.2338% | 1,262 |
| Net loans and leases to total assets | 69.0243% | 2,620 |
| Net loans and leases to deposits | 80.2936% | 2,868 |
| Net loans and leases to core deposits | 83.1499% | 3,166 |
| Total domestic deposits to total assets | 85.9648% | 2,013 |
| Equity capital to assets | 13.0905% | 1,571 |
| Core capital (leverage) ratio | 13.0772% | 1,314 |
| Tier 1 risk-based capital ratio | 18.8562% | 1,596 |
| Total risk-based capital ratio | 20.1088% | 1,561 |
| Memoranda: | ||
| Average total assets | $477,124,500 | 1,491 |
| Average earning assets | $443,508,000 | 1,480 |
| Average equity | $60,778,000 | 1,373 |
| Average total loans | $337,791,250 | 1,475 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 2,976 |
| Cost of funding earning assets | 0.5157% | 4,055 |
| Net interest margin | 3.9977% | 1,928 |
| Noninterest income to average assets | 0.7973% | 1,358 |
| Noninterest expense to average assets | 2.5786% | 3,252 |
| Loan and lease loss provision to assets | 0.1891% | 936 |
| Net operating income to assets | 1.3770% | 1,490 |
| Return on assets (ROA) | 1.3770% | 1,551 |
| Pretax return on assets | 1.7502% | 1,167 |
| Return on Equity (ROE) | 10.9111% | 2,016 |
| Retained earnings to average equity (ytd only) | 9.3157% | 954 |
| Net charge-offs to loans | 0.1331% | 1,133 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 20.5067% | 1,767 |
| Efficiency ratio | 57.0751% | 4,121 |
| Assets per employee ($millions) | 4.7983% | 2,742 |
| Cash dividends to net income (ytd only)* | 14.6215% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,616 |
| Loan loss allowance to noncurrent loans | 105.5654% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 1,477 |
| Noncurrent loans to loans | 1.3251% | 1,181 |
| Net loans and leases to total assets | 69.9379% | 2,539 |
| Net loans and leases to deposits | 81.1837% | 2,822 |
| Net loans and leases to core deposits | 83.9273% | 3,113 |
| Total domestic deposits to total assets | 86.1477% | 1,956 |
| Equity capital to assets | 12.9066% | 1,634 |
| Core capital (leverage) ratio | 12.9471% | 1,322 |
| Tier 1 risk-based capital ratio | 18.3399% | 1,714 |
| Total risk-based capital ratio | 19.5919% | 1,672 |
| Memoranda: | ||
| Average total assets | $475,833,000 | 1,497 |
| Average earning assets | $442,856,670 | 1,485 |
| Average equity | $60,049,000 | 1,377 |
| Average total loans | $338,110,000 | 1,480 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 3,480 |
| Cost of funding earning assets | 0.4857% | 4,126 |
| Net interest margin | 3.8400% | 2,377 |
| Noninterest income to average assets | 0.5977% | 2,055 |
| Noninterest expense to average assets | 2.5866% | 3,251 |
| Loan and lease loss provision to assets | 0.1899% | 857 |
| Net operating income to assets | 1.0569% | 2,638 |
| Return on assets (ROA) | 1.0569% | 2,680 |
| Pretax return on assets | 1.4056% | 2,067 |
| Return on Equity (ROE) | 8.4726% | 3,054 |
| Retained earnings to average equity (ytd only) | 5.2311% | 2,808 |
| Net charge-offs to loans | 0.1401% | 909 |
| Credit loss provision to net charge-offs | 190.6780% | 1,081 |
| Earnings coverage of net charge-offs (x) | 16.0169% | 1,718 |
| Efficiency ratio | 61.8490% | 3,556 |
| Assets per employee ($millions) | 4.4576% | 3,246 |
| Cash dividends to net income (ytd only)* | 38.2588% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 1,789 |
| Loan loss allowance to noncurrent loans | 77.1904% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3272% | 968 |
| Noncurrent loans to loans | 1.7743% | 874 |
| Net loans and leases to total assets | 70.7625% | 2,370 |
| Net loans and leases to deposits | 81.8228% | 2,624 |
| Net loans and leases to core deposits | 84.4789% | 2,988 |
| Total domestic deposits to total assets | 86.4826% | 2,078 |
| Equity capital to assets | 12.6133% | 1,676 |
| Core capital (leverage) ratio | 12.3061% | 1,602 |
| Tier 1 risk-based capital ratio | 17.7673% | 1,866 |
| Total risk-based capital ratio | 19.0187% | 1,822 |
| Memoranda: | ||
| Average total assets | $473,833,000 | 1,511 |
| Average earning assets | $442,290,500 | 1,503 |
| Average equity | $59,108,500 | 1,389 |
| Average total loans | $336,992,000 | 1,490 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 3,358 |
| Cost of funding earning assets | 0.3368% | 4,367 |
| Net interest margin | 3.8925% | 2,348 |
| Noninterest income to average assets | 0.9022% | 1,173 |
| Noninterest expense to average assets | 2.8329% | 2,572 |
| Loan and lease loss provision to assets | 0.2310% | 772 |
| Net operating income to assets | 1.2258% | 2,064 |
| Return on assets (ROA) | 1.2281% | 2,048 |
| Pretax return on assets | 1.5062% | 1,762 |
| Return on Equity (ROE) | 10.1641% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.2786% | 787 |
| Net charge-offs to loans | 0.2639% | 730 |
| Credit loss provision to net charge-offs | 123.2798% | 2,121 |
| Earnings coverage of net charge-offs (x) | 9.2569% | 2,824 |
| Efficiency ratio | 62.0266% | 3,520 |
| Assets per employee ($millions) | 4.5254% | 3,130 |
| Cash dividends to net income (ytd only)* | 8.7124% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 1,813 |
| Loan loss allowance to noncurrent loans | 99.1692% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 1,322 |
| Noncurrent loans to loans | 1.3654% | 1,142 |
| Net loans and leases to total assets | 69.5446% | 2,641 |
| Net loans and leases to deposits | 80.1145% | 2,945 |
| Net loans and leases to core deposits | 82.5392% | 3,221 |
| Total domestic deposits to total assets | 86.8064% | 1,871 |
| Equity capital to assets | 12.3366% | 1,674 |
| Core capital (leverage) ratio | 12.6468% | 1,394 |
| Tier 1 risk-based capital ratio | 18.1157% | 1,729 |
| Total risk-based capital ratio | 19.3674% | 1,684 |
| Memoranda: | ||
| Average total assets | $465,424,800 | 1,504 |
| Average earning assets | $438,227,400 | 1,483 |
| Average equity | $56,237,000 | 1,395 |
| Average total loans | $330,366,000 | 1,479 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 3,300 |
| Cost of funding earning assets | 0.3013% | 4,502 |
| Net interest margin | 3.9047% | 2,282 |
| Noninterest income to average assets | 1.0223% | 917 |
| Noninterest expense to average assets | 2.4844% | 3,633 |
| Loan and lease loss provision to assets | 0.2232% | 737 |
| Net operating income to assets | 1.5331% | 1,112 |
| Return on assets (ROA) | 1.5361% | 1,106 |
| Pretax return on assets | 1.9988% | 623 |
| Return on Equity (ROE) | 12.7815% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.5882% | 539 |
| Net charge-offs to loans | 0.2568% | 653 |
| Credit loss provision to net charge-offs | 122.2397% | 1,964 |
| Earnings coverage of net charge-offs (x) | 12.1499% | 2,471 |
| Efficiency ratio | 52.8291% | 4,727 |
| Assets per employee ($millions) | 4.3882% | 3,296 |
| Cash dividends to net income (ytd only)* | 9.3363% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 1,936 |
| Loan loss allowance to noncurrent loans | 103.2541% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 1,351 |
| Noncurrent loans to loans | 1.2944% | 1,292 |
| Net loans and leases to total assets | 71.0073% | 2,488 |
| Net loans and leases to deposits | 82.0558% | 2,810 |
| Net loans and leases to core deposits | 84.6733% | 3,104 |
| Total domestic deposits to total assets | 86.5354% | 1,956 |
| Equity capital to assets | 12.4951% | 1,591 |
| Core capital (leverage) ratio | 12.8349% | 1,352 |
| Tier 1 risk-based capital ratio | 18.1219% | 1,759 |
| Total risk-based capital ratio | 19.3733% | 1,713 |
| Memoranda: | ||
| Average total assets | $462,990,250 | 1,516 |
| Average earning assets | $436,388,500 | 1,493 |
| Average equity | $55,641,500 | 1,408 |
| Average total loans | $329,211,000 | 1,479 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1766% | 3,179 |
| Cost of funding earning assets | 0.2501% | 4,744 |
| Net interest margin | 3.9265% | 2,120 |
| Noninterest income to average assets | 1.1837% | 681 |
| Noninterest expense to average assets | 2.4743% | 3,702 |
| Loan and lease loss provision to assets | 0.2055% | 825 |
| Net operating income to assets | 1.7276% | 686 |
| Return on assets (ROA) | 1.7276% | 687 |
| Pretax return on assets | 2.2052% | 385 |
| Return on Equity (ROE) | 14.5689% | 942 |
| Retained earnings to average equity (ytd only) | 12.7519% | 420 |
| Net charge-offs to loans | 0.2254% | 707 |
| Credit loss provision to net charge-offs | 128.7263% | 1,729 |
| Earnings coverage of net charge-offs (x) | 15.1003% | 2,064 |
| Efficiency ratio | 50.6510% | 4,988 |
| Assets per employee ($millions) | 4.5070% | 3,123 |
| Cash dividends to net income (ytd only)* | 12.4718% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 1,997 |
| Loan loss allowance to noncurrent loans | 95.5651% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.1738% | 1,234 |
| Noncurrent loans to loans | 1.4001% | 1,208 |
| Net loans and leases to total assets | 71.9071% | 2,290 |
| Net loans and leases to deposits | 83.0822% | 2,640 |
| Net loans and leases to core deposits | 85.5188% | 2,965 |
| Total domestic deposits to total assets | 86.5493% | 2,035 |
| Equity capital to assets | 12.4755% | 1,548 |
| Core capital (leverage) ratio | 12.3978% | 1,488 |
| Tier 1 risk-based capital ratio | 17.9952% | 1,795 |
| Total risk-based capital ratio | 19.2469% | 1,766 |
| Memoranda: | ||
| Average total assets | $462,272,330 | 1,530 |
| Average earning assets | $435,758,670 | 1,504 |
| Average equity | $54,815,330 | 1,425 |
| Average total loans | $327,361,330 | 1,491 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 3,376 |
| Cost of funding earning assets | 0.2224% | 4,881 |
| Net interest margin | 3.8377% | 2,270 |
| Noninterest income to average assets | 0.5848% | 2,336 |
| Noninterest expense to average assets | 2.3615% | 4,041 |
| Loan and lease loss provision to assets | 0.1503% | 1,206 |
| Net operating income to assets | 1.2520% | 1,802 |
| Return on assets (ROA) | 1.2520% | 1,812 |
| Pretax return on assets | 1.6883% | 1,146 |
| Return on Equity (ROE) | 10.8344% | 2,036 |
| Retained earnings to average equity (ytd only) | 7.1338% | 2,220 |
| Net charge-offs to loans | 0.1316% | 1,016 |
| Credit loss provision to net charge-offs | 163.5514% | 1,177 |
| Earnings coverage of net charge-offs (x) | 20.0093% | 1,486 |
| Efficiency ratio | 56.2257% | 4,552 |
| Assets per employee ($millions) | 4.6098% | 2,988 |
| Cash dividends to net income (ytd only)* | 34.1564% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,073 |
| Loan loss allowance to noncurrent loans | 77.1834% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.3884% | 1,052 |
| Noncurrent loans to loans | 1.7320% | 986 |
| Net loans and leases to total assets | 70.4639% | 2,394 |
| Net loans and leases to deposits | 80.9143% | 2,708 |
| Net loans and leases to core deposits | 83.2909% | 3,029 |
| Total domestic deposits to total assets | 87.0846% | 2,088 |
| Equity capital to assets | 11.7563% | 1,944 |
| Core capital (leverage) ratio | 11.6093% | 1,922 |
| Tier 1 risk-based capital ratio | 17.1653% | 2,069 |
| Total risk-based capital ratio | 18.4168% | 2,022 |
| Memoranda: | ||
| Average total assets | $465,806,500 | 1,522 |
| Average earning assets | $438,800,000 | 1,502 |
| Average equity | $53,828,500 | 1,449 |
| Average total loans | $325,160,500 | 1,503 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,391 |
| Cost of funding earning assets | 0.2092% | 4,873 |
| Net interest margin | 3.7951% | 2,442 |
| Noninterest income to average assets | 0.7643% | 1,713 |
| Noninterest expense to average assets | 2.7201% | 3,062 |
| Loan and lease loss provision to assets | 0.0872% | 2,448 |
| Net operating income to assets | 0.6909% | 3,636 |
| Return on assets (ROA) | 0.6909% | 3,691 |
| Pretax return on assets | 1.5033% | 1,633 |
| Return on Equity (ROE) | 6.0675% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.2616% | 1,962 |
| Net charge-offs to loans | 0.0699% | 2,454 |
| Credit loss provision to net charge-offs | 185.1852% | 1,467 |
| Earnings coverage of net charge-offs (x) | 33.7870% | 1,422 |
| Efficiency ratio | 63.1023% | 3,756 |
| Assets per employee ($millions) | 4.5693% | 3,081 |
| Cash dividends to net income (ytd only)* | 13.2808% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 1,971 |
| Loan loss allowance to noncurrent loans | 77.5134% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 1,057 |
| Noncurrent loans to loans | 1.7409% | 928 |
| Net loans and leases to total assets | 67.3057% | 2,913 |
| Net loans and leases to deposits | 76.8576% | 3,246 |
| Net loans and leases to core deposits | 78.4796% | 3,550 |
| Total domestic deposits to total assets | 87.5719% | 1,722 |
| Equity capital to assets | 11.3598% | 2,319 |
| Core capital (leverage) ratio | 11.6222% | 1,854 |
| Tier 1 risk-based capital ratio | 17.0317% | 2,080 |
| Total risk-based capital ratio | 18.2830% | 2,032 |
| Memoranda: | ||
| Average total assets | $458,848,800 | 1,519 |
| Average earning assets | $428,765,000 | 1,507 |
| Average equity | $52,246,000 | 1,469 |
| Average total loans | $309,084,800 | 1,534 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8824% | 3,733 |
| Cost of funding earning assets | 0.2085% | 4,899 |
| Net interest margin | 3.6739% | 2,845 |
| Noninterest income to average assets | 0.7235% | 1,887 |
| Noninterest expense to average assets | 2.6631% | 3,195 |
| Loan and lease loss provision to assets | 0.0877% | 2,331 |
| Net operating income to assets | 0.8955% | 3,052 |
| Return on assets (ROA) | 0.8955% | 3,103 |
| Pretax return on assets | 1.3997% | 2,119 |
| Return on Equity (ROE) | 7.8599% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.8049% | 1,794 |
| Net charge-offs to loans | 0.0558% | 2,335 |
| Credit loss provision to net charge-offs | 234.3750% | 1,191 |
| Earnings coverage of net charge-offs (x) | 39.7349% | 1,303 |
| Efficiency ratio | 64.1629% | 3,514 |
| Assets per employee ($millions) | 4.4274% | 3,280 |
| Cash dividends to net income (ytd only)* | 13.4227% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 1,929 |
| Loan loss allowance to noncurrent loans | 74.1166% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.4473% | 1,057 |
| Noncurrent loans to loans | 1.8763% | 929 |
| Net loans and leases to total assets | 66.5428% | 3,038 |
| Net loans and leases to deposits | 76.3782% | 3,334 |
| Net loans and leases to core deposits | 78.0171% | 3,632 |
| Total domestic deposits to total assets | 87.1228% | 1,811 |
| Equity capital to assets | 11.6354% | 2,244 |
| Core capital (leverage) ratio | 11.7798% | 1,832 |
| Tier 1 risk-based capital ratio | 17.6638% | 1,956 |
| Total risk-based capital ratio | 18.9158% | 1,892 |
| Memoranda: | ||
| Average total assets | $455,902,250 | 1,540 |
| Average earning assets | $425,256,250 | 1,529 |
| Average equity | $51,941,750 | 1,491 |
| Average total loans | $306,081,750 | 1,557 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,681 |
| Cost of funding earning assets | 0.2077% | 4,907 |
| Net interest margin | 3.6530% | 2,829 |
| Noninterest income to average assets | 0.5660% | 2,630 |
| Noninterest expense to average assets | 2.6920% | 3,115 |
| Loan and lease loss provision to assets | 0.0660% | 2,647 |
| Net operating income to assets | 0.7575% | 3,598 |
| Return on assets (ROA) | 0.7575% | 3,651 |
| Pretax return on assets | 1.2065% | 2,746 |
| Return on Equity (ROE) | 6.6968% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.0975% | 2,640 |
| Net charge-offs to loans | 0.0401% | 2,399 |
| Credit loss provision to net charge-offs | 245.9016% | 1,095 |
| Earnings coverage of net charge-offs (x) | 47.3934% | 1,117 |
| Efficiency ratio | 67.9027% | 3,030 |
| Assets per employee ($millions) | 4.2985% | 3,436 |
| Cash dividends to net income (ytd only)* | 23.8815% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 2,174 |
| Loan loss allowance to noncurrent loans | 67.5594% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.6748% | 872 |
| Noncurrent loans to loans | 1.9983% | 841 |
| Net loans and leases to total assets | 69.2731% | 2,623 |
| Net loans and leases to deposits | 79.4634% | 2,972 |
| Net loans and leases to core deposits | 81.2071% | 3,320 |
| Total domestic deposits to total assets | 87.1761% | 1,865 |
| Equity capital to assets | 11.6717% | 2,173 |
| Core capital (leverage) ratio | 11.3586% | 2,077 |
| Tier 1 risk-based capital ratio | 16.9549% | 2,163 |
| Total risk-based capital ratio | 18.2063% | 2,124 |
| Memoranda: | ||
| Average total assets | $454,387,000 | 1,546 |
| Average earning assets | $422,715,330 | 1,538 |
| Average equity | $51,397,330 | 1,506 |
| Average total loans | $304,537,000 | 1,554 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 4,013 |
| Cost of funding earning assets | 0.2081% | 4,903 |
| Net interest margin | 3.5210% | 3,194 |
| Noninterest income to average assets | 0.5274% | 2,783 |
| Noninterest expense to average assets | 2.6599% | 3,277 |
| Loan and lease loss provision to assets | 0.0655% | 2,490 |
| Net operating income to assets | 0.7169% | 3,627 |
| Return on assets (ROA) | 0.7169% | 3,669 |
| Pretax return on assets | 1.0680% | 3,098 |
| Return on Equity (ROE) | 6.4383% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.2152% | 3,821 |
| Net charge-offs to loans | 0.0720% | 1,609 |
| Credit loss provision to net charge-offs | 138.8889% | 1,267 |
| Earnings coverage of net charge-offs (x) | 24.0370% | 1,369 |
| Efficiency ratio | 70.1197% | 2,866 |
| Assets per employee ($millions) | 4.5451% | 3,095 |
| Cash dividends to net income (ytd only)* | 50.0609% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 2,089 |
| Loan loss allowance to noncurrent loans | 65.4015% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.2381% | 554 |
| Noncurrent loans to loans | 2.1369% | 809 |
| Net loans and leases to total assets | 63.4612% | 3,339 |
| Net loans and leases to deposits | 72.2219% | 3,589 |
| Net loans and leases to core deposits | 73.6637% | 3,864 |
| Total domestic deposits to total assets | 87.8697% | 1,787 |
| Equity capital to assets | 11.0531% | 2,581 |
| Core capital (leverage) ratio | 10.7207% | 2,670 |
| Tier 1 risk-based capital ratio | 17.1652% | 2,129 |
| Total risk-based capital ratio | 18.4169% | 2,079 |
| Memoranda: | ||
| Average total assets | $458,056,500 | 1,542 |
| Average earning assets | $424,881,500 | 1,545 |
| Average equity | $51,007,000 | 1,515 |
| Average total loans | $299,844,500 | 1,581 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 2,763 |
| Cost of funding earning assets | 0.2295% | 4,743 |
| Net interest margin | 3.8930% | 1,991 |
| Noninterest income to average assets | 0.7002% | 2,168 |
| Noninterest expense to average assets | 2.9502% | 2,499 |
| Loan and lease loss provision to assets | 0.1840% | 1,287 |
| Net operating income to assets | 0.6937% | 3,812 |
| Return on assets (ROA) | 0.6937% | 3,921 |
| Pretax return on assets | 1.1602% | 2,856 |
| Return on Equity (ROE) | 6.0663% | 3,951 |
| Retained earnings to average equity (ytd only) | 5.1712% | 2,219 |
| Net charge-offs to loans | 0.1836% | 1,510 |
| Credit loss provision to net charge-offs | 143.1127% | 1,918 |
| Earnings coverage of net charge-offs (x) | 10.4544% | 2,638 |
| Efficiency ratio | 68.6984% | 3,130 |
| Assets per employee ($millions) | 4.3511% | 3,357 |
| Cash dividends to net income (ytd only)* | 14.7546% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 2,179 |
| Loan loss allowance to noncurrent loans | 137.4751% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.5343% | 1,064 |
| Noncurrent loans to loans | 1.0016% | 2,087 |
| Net loans and leases to total assets | 65.6697% | 3,118 |
| Net loans and leases to deposits | 74.8467% | 3,430 |
| Net loans and leases to core deposits | 77.0248% | 3,656 |
| Total domestic deposits to total assets | 87.7389% | 1,774 |
| Equity capital to assets | 11.2200% | 2,396 |
| Core capital (leverage) ratio | 11.2970% | 2,086 |
| Tier 1 risk-based capital ratio | 17.1007% | 2,126 |
| Total risk-based capital ratio | 18.3524% | 2,078 |
| Memoranda: | ||
| Average total assets | $434,750,800 | 1,564 |
| Average earning assets | $401,387,600 | 1,559 |
| Average equity | $49,717,600 | 1,526 |
| Average total loans | $304,537,200 | 1,502 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 2,586 |
| Cost of funding earning assets | 0.2318% | 4,778 |
| Net interest margin | 3.9448% | 1,835 |
| Noninterest income to average assets | 0.7083% | 2,133 |
| Noninterest expense to average assets | 2.9299% | 2,543 |
| Loan and lease loss provision to assets | 0.2634% | 690 |
| Net operating income to assets | 0.7117% | 3,781 |
| Return on assets (ROA) | 0.7117% | 3,918 |
| Pretax return on assets | 1.1529% | 3,031 |
| Return on Equity (ROE) | 6.1928% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.9931% | 2,834 |
| Net charge-offs to loans | 0.2384% | 983 |
| Credit loss provision to net charge-offs | 155.6777% | 1,732 |
| Earnings coverage of net charge-offs (x) | 8.3718% | 2,777 |
| Efficiency ratio | 67.4128% | 3,337 |
| Assets per employee ($millions) | 4.3328% | 3,364 |
| Cash dividends to net income (ytd only)* | 19.3731% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 2,298 |
| Loan loss allowance to noncurrent loans | 155.0810% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.5228% | 1,170 |
| Noncurrent loans to loans | 0.8889% | 2,480 |
| Net loans and leases to total assets | 67.5230% | 2,868 |
| Net loans and leases to deposits | 76.9807% | 3,289 |
| Net loans and leases to core deposits | 79.4349% | 3,508 |
| Total domestic deposits to total assets | 87.7142% | 1,547 |
| Equity capital to assets | 11.3086% | 2,693 |
| Core capital (leverage) ratio | 11.2843% | 2,202 |
| Tier 1 risk-based capital ratio | 15.9912% | 2,630 |
| Total risk-based capital ratio | 17.2422% | 2,568 |
| Memoranda: | ||
| Average total assets | $430,310,250 | 1,572 |
| Average earning assets | $396,829,250 | 1,583 |
| Average equity | $49,454,000 | 1,539 |
| Average total loans | $305,343,250 | 1,500 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 2,492 |
| Cost of funding earning assets | 0.2337% | 4,814 |
| Net interest margin | 3.9733% | 1,731 |
| Noninterest income to average assets | 0.7906% | 1,753 |
| Noninterest expense to average assets | 2.9234% | 2,600 |
| Loan and lease loss provision to assets | 0.3294% | 508 |
| Net operating income to assets | 0.8024% | 3,299 |
| Return on assets (ROA) | 0.8024% | 3,438 |
| Pretax return on assets | 1.1949% | 2,797 |
| Return on Equity (ROE) | 6.9427% | 3,579 |
| Retained earnings to average equity (ytd only) | 5.2610% | 2,579 |
| Net charge-offs to loans | 0.3046% | 779 |
| Credit loss provision to net charge-offs | 150.5376% | 1,583 |
| Earnings coverage of net charge-offs (x) | 6.9656% | 2,685 |
| Efficiency ratio | 65.7285% | 3,718 |
| Assets per employee ($millions) | 4.3016% | 3,366 |
| Cash dividends to net income (ytd only)* | 24.2229% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 2,583 |
| Loan loss allowance to noncurrent loans | 117.2326% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.8367% | 923 |
| Noncurrent loans to loans | 1.1408% | 2,018 |
| Net loans and leases to total assets | 68.9847% | 2,635 |
| Net loans and leases to deposits | 78.6217% | 3,095 |
| Net loans and leases to core deposits | 81.1442% | 3,350 |
| Total domestic deposits to total assets | 87.7425% | 1,553 |
| Equity capital to assets | 11.2852% | 2,757 |
| Core capital (leverage) ratio | 11.6035% | 1,907 |
| Tier 1 risk-based capital ratio | 15.7017% | 2,782 |
| Total risk-based capital ratio | 16.9524% | 2,717 |
| Memoranda: | ||
| Average total assets | $424,987,330 | 1,597 |
| Average earning assets | $391,163,670 | 1,605 |
| Average equity | $49,116,000 | 1,548 |
| Average total loans | $305,273,330 | 1,505 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 2,129 |
| Cost of funding earning assets | 0.2379% | 4,830 |
| Net interest margin | 4.0649% | 1,434 |
| Noninterest income to average assets | 0.6664% | 2,185 |
| Noninterest expense to average assets | 3.0244% | 2,319 |
| Loan and lease loss provision to assets | 0.2885% | 562 |
| Net operating income to assets | 0.7684% | 3,404 |
| Return on assets (ROA) | 0.7684% | 3,511 |
| Pretax return on assets | 1.0838% | 3,158 |
| Return on Equity (ROE) | 6.5662% | 3,689 |
| Retained earnings to average equity (ytd only) | 3.1722% | 3,924 |
| Net charge-offs to loans | 0.3168% | 687 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 5.9458% | 2,280 |
| Efficiency ratio | 68.7883% | 3,331 |
| Assets per employee ($millions) | 4.1563% | 3,662 |
| Cash dividends to net income (ytd only)* | 51.6896% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,913 |
| Loan loss allowance to noncurrent loans | 99.1504% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 2.1232% | 795 |
| Noncurrent loans to loans | 1.3090% | 1,832 |
| Net loans and leases to total assets | 71.1794% | 2,160 |
| Net loans and leases to deposits | 81.4440% | 2,609 |
| Net loans and leases to core deposits | 83.9553% | 2,942 |
| Total domestic deposits to total assets | 87.3968% | 1,996 |
| Equity capital to assets | 11.5431% | 2,402 |
| Core capital (leverage) ratio | 11.4295% | 2,022 |
| Tier 1 risk-based capital ratio | 15.5577% | 2,885 |
| Total risk-based capital ratio | 16.8079% | 2,819 |
| Memoranda: | ||
| Average total assets | $415,947,000 | 1,630 |
| Average earning assets | $381,708,000 | 1,642 |
| Average equity | $48,673,500 | 1,556 |
| Average total loans | $303,014,000 | 1,507 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3286% | 2,124 |
| Cost of funding earning assets | 0.2517% | 4,770 |
| Net interest margin | 4.0769% | 1,469 |
| Noninterest income to average assets | 0.4831% | 3,443 |
| Noninterest expense to average assets | 3.1873% | 1,995 |
| Loan and lease loss provision to assets | 0.0749% | 2,770 |
| Net operating income to assets | 0.7551% | 3,547 |
| Return on assets (ROA) | 0.7551% | 3,642 |
| Pretax return on assets | 0.9270% | 3,737 |
| Return on Equity (ROE) | 6.4493% | 3,809 |
| Retained earnings to average equity (ytd only) | 5.6599% | 1,979 |
| Net charge-offs to loans | 0.0130% | 4,037 |
| Credit loss provision to net charge-offs | 810.8108% | 422 |
| Earnings coverage of net charge-offs (x) | 108.4054% | 542 |
| Efficiency ratio | 76.0837% | 2,257 |
| Assets per employee ($millions) | 3.9226% | 4,079 |
| Cash dividends to net income (ytd only)* | 12.2395% | 4,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,894 |
| Loan loss allowance to noncurrent loans | 115.1783% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.9865% | 892 |
| Noncurrent loans to loans | 1.1299% | 2,081 |
| Net loans and leases to total assets | 72.6538% | 1,949 |
| Net loans and leases to deposits | 83.3614% | 2,443 |
| Net loans and leases to core deposits | 85.9793% | 2,799 |
| Total domestic deposits to total assets | 87.1552% | 2,048 |
| Equity capital to assets | 11.8668% | 2,056 |
| Core capital (leverage) ratio | 12.1488% | 1,529 |
| Tier 1 risk-based capital ratio | 15.9345% | 2,718 |
| Total risk-based capital ratio | 17.1850% | 2,658 |
| Memoranda: | ||
| Average total assets | $400,334,000 | 1,648 |
| Average earning assets | $363,932,000 | 1,664 |
| Average equity | $46,873,400 | 1,577 |
| Average total loans | $284,508,400 | 1,535 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,173 |
| Cost of funding earning assets | 0.2540% | 4,833 |
| Net interest margin | 4.0633% | 1,520 |
| Noninterest income to average assets | 0.5625% | 2,969 |
| Noninterest expense to average assets | 3.0894% | 2,249 |
| Loan and lease loss provision to assets | 0.0753% | 2,674 |
| Net operating income to assets | 0.6609% | 4,077 |
| Return on assets (ROA) | 0.6609% | 4,190 |
| Pretax return on assets | 1.0862% | 3,283 |
| Return on Equity (ROE) | 5.6643% | 4,324 |
| Retained earnings to average equity (ytd only) | 4.6748% | 3,145 |
| Net charge-offs to loans | 0.0133% | 3,708 |
| Credit loss provision to net charge-offs | 803.5714% | 440 |
| Earnings coverage of net charge-offs (x) | 123.9721% | 520 |
| Efficiency ratio | 72.6757% | 2,767 |
| Assets per employee ($millions) | 3.8252% | 4,215 |
| Cash dividends to net income (ytd only)* | 17.4684% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 3,065 |
| Loan loss allowance to noncurrent loans | 123.5370% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 2.1297% | 924 |
| Noncurrent loans to loans | 1.0558% | 2,372 |
| Net loans and leases to total assets | 72.3807% | 2,001 |
| Net loans and leases to deposits | 83.0493% | 2,523 |
| Net loans and leases to core deposits | 85.6801% | 2,886 |
| Total domestic deposits to total assets | 87.1539% | 1,957 |
| Equity capital to assets | 11.8149% | 2,250 |
| Core capital (leverage) ratio | 11.7967% | 1,821 |
| Tier 1 risk-based capital ratio | 15.9481% | 2,821 |
| Total risk-based capital ratio | 17.1983% | 2,764 |
| Memoranda: | ||
| Average total assets | $398,429,000 | 1,667 |
| Average earning assets | $361,666,250 | 1,688 |
| Average equity | $46,489,000 | 1,595 |
| Average total loans | $280,560,000 | 1,558 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 2,318 |
| Cost of funding earning assets | 0.2563% | 4,879 |
| Net interest margin | 4.0049% | 1,627 |
| Noninterest income to average assets | 0.4822% | 3,487 |
| Noninterest expense to average assets | 3.0054% | 2,537 |
| Loan and lease loss provision to assets | 0.0755% | 2,603 |
| Net operating income to assets | 0.6402% | 4,168 |
| Return on assets (ROA) | 0.6402% | 4,278 |
| Pretax return on assets | 1.0192% | 3,503 |
| Return on Equity (ROE) | 5.5104% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.0158% | 3,459 |
| Net charge-offs to loans | 0.0174% | 3,358 |
| Credit loss provision to net charge-offs | 625.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 90.6250% | 642 |
| Efficiency ratio | 73.2998% | 2,783 |
| Assets per employee ($millions) | 3.7379% | 4,345 |
| Cash dividends to net income (ytd only)* | 27.1226% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 3,093 |
| Loan loss allowance to noncurrent loans | 117.2939% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 2.4768% | 771 |
| Noncurrent loans to loans | 1.1320% | 2,387 |
| Net loans and leases to total assets | 70.0689% | 2,301 |
| Net loans and leases to deposits | 80.2835% | 2,748 |
| Net loans and leases to core deposits | 82.7853% | 3,101 |
| Total domestic deposits to total assets | 87.2768% | 2,024 |
| Equity capital to assets | 11.6703% | 2,270 |
| Core capital (leverage) ratio | 11.7781% | 1,787 |
| Tier 1 risk-based capital ratio | 15.9444% | 2,886 |
| Total risk-based capital ratio | 17.1948% | 2,843 |
| Memoranda: | ||
| Average total assets | $397,356,330 | 1,685 |
| Average earning assets | $358,959,670 | 1,708 |
| Average equity | $46,167,330 | 1,612 |
| Average total loans | $275,894,330 | 1,593 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,330 |
| Cost of funding earning assets | 0.2602% | 4,901 |
| Net interest margin | 3.9745% | 1,642 |
| Noninterest income to average assets | 0.5595% | 2,894 |
| Noninterest expense to average assets | 3.0369% | 2,460 |
| Loan and lease loss provision to assets | 0.0757% | 2,434 |
| Net operating income to assets | 0.6918% | 3,840 |
| Return on assets (ROA) | 0.6918% | 3,967 |
| Pretax return on assets | 1.0261% | 3,399 |
| Return on Equity (ROE) | 5.9678% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.9621% | 4,195 |
| Net charge-offs to loans | 0.0280% | 2,617 |
| Credit loss provision to net charge-offs | 394.7368% | 669 |
| Earnings coverage of net charge-offs (x) | 57.4211% | 764 |
| Efficiency ratio | 73.3773% | 2,930 |
| Assets per employee ($millions) | 3.6562% | 4,597 |
| Cash dividends to net income (ytd only)* | 50.3650% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 3,177 |
| Loan loss allowance to noncurrent loans | 131.5677% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 2.5381% | 844 |
| Noncurrent loans to loans | 1.0206% | 2,720 |
| Net loans and leases to total assets | 67.6085% | 2,513 |
| Net loans and leases to deposits | 77.2798% | 2,912 |
| Net loans and leases to core deposits | 79.5995% | 3,214 |
| Total domestic deposits to total assets | 87.4854% | 2,115 |
| Equity capital to assets | 11.4621% | 2,502 |
| Core capital (leverage) ratio | 11.7843% | 1,789 |
| Tier 1 risk-based capital ratio | 16.0987% | 2,875 |
| Total risk-based capital ratio | 17.3489% | 2,807 |
| Memoranda: | ||
| Average total assets | $396,057,000 | 1,693 |
| Average earning assets | $356,671,000 | 1,721 |
| Average equity | $45,913,000 | 1,626 |
| Average total loans | $271,834,000 | 1,610 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 2,336 |
| Cost of funding earning assets | 0.2694% | 5,105 |
| Net interest margin | 4.0975% | 1,586 |
| Noninterest income to average assets | 0.3831% | 4,311 |
| Noninterest expense to average assets | 3.2567% | 2,052 |
| Loan and lease loss provision to assets | 0.0514% | 3,535 |
| Net operating income to assets | 0.6329% | 4,220 |
| Return on assets (ROA) | 0.6329% | 4,325 |
| Pretax return on assets | 0.7500% | 4,442 |
| Return on Equity (ROE) | 5.5323% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.7580% | 2,793 |
| Net charge-offs to loans | 0.0246% | 4,344 |
| Credit loss provision to net charge-offs | 307.6923% | 845 |
| Earnings coverage of net charge-offs (x) | 48.0154% | 958 |
| Efficiency ratio | 80.2531% | 1,890 |
| Assets per employee ($millions) | 3.5448% | 4,831 |
| Cash dividends to net income (ytd only)* | 13.9959% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 3,136 |
| Loan loss allowance to noncurrent loans | 128.2096% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 2.8813% | 731 |
| Noncurrent loans to loans | 1.0606% | 2,703 |
| Net loans and leases to total assets | 67.8100% | 2,587 |
| Net loans and leases to deposits | 77.7016% | 3,007 |
| Net loans and leases to core deposits | 80.1745% | 3,280 |
| Total domestic deposits to total assets | 87.2697% | 2,138 |
| Equity capital to assets | 11.7270% | 2,228 |
| Core capital (leverage) ratio | 11.7685% | 1,784 |
| Tier 1 risk-based capital ratio | 15.7483% | 3,102 |
| Total risk-based capital ratio | 16.9983% | 3,033 |
| Memoranda: | ||
| Average total assets | $389,473,600 | 1,681 |
| Average earning assets | $349,306,400 | 1,709 |
| Average equity | $44,556,600 | 1,622 |
| Average total loans | $264,069,800 | 1,609 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 2,388 |
| Cost of funding earning assets | 0.2702% | 5,195 |
| Net interest margin | 4.0899% | 1,607 |
| Noninterest income to average assets | 0.5578% | 3,149 |
| Noninterest expense to average assets | 3.1093% | 2,443 |
| Loan and lease loss provision to assets | 0.0514% | 3,349 |
| Net operating income to assets | 0.7177% | 3,849 |
| Return on assets (ROA) | 0.7177% | 3,952 |
| Pretax return on assets | 1.0715% | 3,294 |
| Return on Equity (ROE) | 6.3135% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.2743% | 2,901 |
| Net charge-offs to loans | 0.0208% | 4,111 |
| Credit loss provision to net charge-offs | 365.8537% | 770 |
| Earnings coverage of net charge-offs (x) | 79.9687% | 705 |
| Efficiency ratio | 73.4687% | 2,906 |
| Assets per employee ($millions) | 3.5302% | 4,803 |
| Cash dividends to net income (ytd only)* | 16.4600% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 3,268 |
| Loan loss allowance to noncurrent loans | 117.8827% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 3.3321% | 654 |
| Noncurrent loans to loans | 1.1703% | 2,723 |
| Net loans and leases to total assets | 66.0212% | 2,865 |
| Net loans and leases to deposits | 75.4054% | 3,254 |
| Net loans and leases to core deposits | 77.7730% | 3,558 |
| Total domestic deposits to total assets | 87.5549% | 2,008 |
| Equity capital to assets | 11.5442% | 2,437 |
| Core capital (leverage) ratio | 11.6460% | 1,947 |
| Tier 1 risk-based capital ratio | 16.3671% | 2,868 |
| Total risk-based capital ratio | 17.6180% | 2,827 |
| Memoranda: | ||
| Average total assets | $389,360,000 | 1,696 |
| Average earning assets | $349,798,250 | 1,719 |
| Average equity | $44,264,000 | 1,636 |
| Average total loans | $263,073,500 | 1,617 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 2,343 |
| Cost of funding earning assets | 0.2749% | 5,238 |
| Net interest margin | 4.0838% | 1,562 |
| Noninterest income to average assets | 0.5755% | 2,956 |
| Noninterest expense to average assets | 3.0700% | 2,595 |
| Loan and lease loss provision to assets | 0.0515% | 3,273 |
| Net operating income to assets | 0.7377% | 3,633 |
| Return on assets (ROA) | 0.7377% | 3,725 |
| Pretax return on assets | 1.1175% | 3,019 |
| Return on Equity (ROE) | 6.5225% | 3,867 |
| Retained earnings to average equity (ytd only) | 4.9522% | 2,987 |
| Net charge-offs to loans | 0.0046% | 4,224 |
| Credit loss provision to net charge-offs | 1,666.6667% | 224 |
| Earnings coverage of net charge-offs (x) | 378.5000% | 184 |
| Efficiency ratio | 72.4226% | 3,261 |
| Assets per employee ($millions) | 3.4109% | 5,032 |
| Cash dividends to net income (ytd only)* | 24.0754% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 3,590 |
| Loan loss allowance to noncurrent loans | 122.9195% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 3.3569% | 714 |
| Noncurrent loans to loans | 1.0972% | 3,034 |
| Net loans and leases to total assets | 67.8004% | 2,441 |
| Net loans and leases to deposits | 78.1001% | 2,789 |
| Net loans and leases to core deposits | 80.6446% | 3,137 |
| Total domestic deposits to total assets | 86.8122% | 2,574 |
| Equity capital to assets | 11.4858% | 2,437 |
| Core capital (leverage) ratio | 11.4768% | 2,023 |
| Tier 1 risk-based capital ratio | 15.9313% | 3,132 |
| Total risk-based capital ratio | 17.1816% | 3,067 |
| Memoranda: | ||
| Average total assets | $388,530,000 | 1,695 |
| Average earning assets | $348,545,000 | 1,721 |
| Average equity | $43,940,000 | 1,631 |
| Average total loans | $263,323,670 | 1,610 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 2,180 |
| Cost of funding earning assets | 0.2800% | 5,285 |
| Net interest margin | 4.1089% | 1,435 |
| Noninterest income to average assets | 0.5242% | 3,234 |
| Noninterest expense to average assets | 3.0177% | 2,805 |
| Loan and lease loss provision to assets | 0.1030% | 2,205 |
| Net operating income to assets | 0.6828% | 3,768 |
| Return on assets (ROA) | 0.6828% | 3,845 |
| Pretax return on assets | 1.0763% | 3,011 |
| Return on Equity (ROE) | 6.0854% | 3,974 |
| Retained earnings to average equity (ytd only) | 2.9188% | 4,349 |
| Net charge-offs to loans | 0.0122% | 3,364 |
| Credit loss provision to net charge-offs | 1,250.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 143.1250% | 343 |
| Efficiency ratio | 71.9018% | 3,504 |
| Assets per employee ($millions) | 3.4588% | 5,010 |
| Cash dividends to net income (ytd only)* | 52.0362% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 3,701 |
| Loan loss allowance to noncurrent loans | 108.0060% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 3.6517% | 697 |
| Noncurrent loans to loans | 1.2767% | 2,897 |
| Net loans and leases to total assets | 64.7679% | 2,765 |
| Net loans and leases to deposits | 74.2807% | 3,029 |
| Net loans and leases to core deposits | 76.5645% | 3,355 |
| Total domestic deposits to total assets | 87.1934% | 2,707 |
| Equity capital to assets | 10.9941% | 2,714 |
| Core capital (leverage) ratio | 11.2496% | 2,174 |
| Tier 1 risk-based capital ratio | 15.7448% | 3,305 |
| Total risk-based capital ratio | 16.9953% | 3,271 |
| Memoranda: | ||
| Average total assets | $388,376,500 | 1,710 |
| Average earning assets | $347,152,000 | 1,732 |
| Average equity | $43,579,500 | 1,633 |
| Average total loans | $261,367,000 | 1,626 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 2,322 |
| Cost of funding earning assets | 0.3131% | 5,487 |
| Net interest margin | 4.1569% | 1,479 |
| Noninterest income to average assets | 0.5839% | 3,189 |
| Noninterest expense to average assets | 3.3516% | 1,993 |
| Loan and lease loss provision to assets | 0.0999% | 3,136 |
| Net operating income to assets | 0.5059% | 4,707 |
| Return on assets (ROA) | 0.5059% | 4,839 |
| Pretax return on assets | 0.8218% | 4,067 |
| Return on Equity (ROE) | 4.4369% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.2173% | 3,174 |
| Net charge-offs to loans | 0.0396% | 4,671 |
| Credit loss provision to net charge-offs | 375.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 1,065 |
| Efficiency ratio | 78.4303% | 2,395 |
| Assets per employee ($millions) | 3.3245% | 5,235 |
| Cash dividends to net income (ytd only)* | 4.9500% | 4,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 3,924 |
| Loan loss allowance to noncurrent loans | 85.2563% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 4.0288% | 656 |
| Noncurrent loans to loans | 1.5743% | 2,536 |
| Net loans and leases to total assets | 68.0754% | 2,348 |
| Net loans and leases to deposits | 77.7211% | 2,761 |
| Net loans and leases to core deposits | 80.2103% | 3,106 |
| Total domestic deposits to total assets | 87.5893% | 2,425 |
| Equity capital to assets | 11.4590% | 2,202 |
| Core capital (leverage) ratio | 11.3984% | 2,037 |
| Tier 1 risk-based capital ratio | 15.7936% | 3,202 |
| Total risk-based capital ratio | 17.0437% | 3,159 |
| Memoranda: | ||
| Average total assets | $375,375,000 | 1,743 |
| Average earning assets | $333,155,200 | 1,786 |
| Average equity | $42,800,200 | 1,642 |
| Average total loans | $252,553,600 | 1,645 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 2,431 |
| Cost of funding earning assets | 0.3211% | 5,544 |
| Net interest margin | 4.1274% | 1,548 |
| Noninterest income to average assets | 0.4365% | 4,254 |
| Noninterest expense to average assets | 3.1140% | 2,609 |
| Loan and lease loss provision to assets | 0.1335% | 2,612 |
| Net operating income to assets | 0.5672% | 4,492 |
| Return on assets (ROA) | 0.5672% | 4,642 |
| Pretax return on assets | 0.8499% | 4,093 |
| Return on Equity (ROE) | 4.9808% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.6869% | 3,326 |
| Net charge-offs to loans | -0.0565% | 6,352 |
| Credit loss provision to net charge-offs | -353.7736% | 5,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9993% | 2,732 |
| Assets per employee ($millions) | 3.4510% | 4,950 |
| Cash dividends to net income (ytd only)* | 5.9008% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 3,797 |
| Loan loss allowance to noncurrent loans | 81.9043% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 4.2266% | 731 |
| Noncurrent loans to loans | 1.7373% | 2,587 |
| Net loans and leases to total assets | 66.6062% | 2,540 |
| Net loans and leases to deposits | 76.3391% | 2,910 |
| Net loans and leases to core deposits | 78.6787% | 3,277 |
| Total domestic deposits to total assets | 87.2505% | 2,536 |
| Equity capital to assets | 11.1607% | 2,607 |
| Core capital (leverage) ratio | 11.4225% | 2,103 |
| Tier 1 risk-based capital ratio | 15.5215% | 3,464 |
| Total risk-based capital ratio | 16.7082% | 3,446 |
| Memoranda: | ||
| Average total assets | $374,469,750 | 1,757 |
| Average earning assets | $332,148,000 | 1,803 |
| Average equity | $42,643,000 | 1,653 |
| Average total loans | $250,313,750 | 1,661 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 2,371 |
| Cost of funding earning assets | 0.3314% | 5,555 |
| Net interest margin | 4.1223% | 1,484 |
| Noninterest income to average assets | 0.5458% | 3,532 |
| Noninterest expense to average assets | 3.0897% | 2,694 |
| Loan and lease loss provision to assets | 0.1620% | 2,303 |
| Net operating income to assets | 0.5955% | 4,311 |
| Return on assets (ROA) | 0.5955% | 4,495 |
| Pretax return on assets | 0.9334% | 3,769 |
| Return on Equity (ROE) | 5.1932% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.7507% | 3,226 |
| Net charge-offs to loans | -0.0989% | 6,502 |
| Credit loss provision to net charge-offs | -245.9016% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8261% | 3,163 |
| Assets per employee ($millions) | 3.3296% | 5,211 |
| Cash dividends to net income (ytd only)* | 8.5222% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 3,872 |
| Loan loss allowance to noncurrent loans | 82.7188% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 4.4744% | 736 |
| Noncurrent loans to loans | 1.7338% | 2,720 |
| Net loans and leases to total assets | 67.3946% | 2,353 |
| Net loans and leases to deposits | 76.9324% | 2,734 |
| Net loans and leases to core deposits | 80.1935% | 3,004 |
| Total domestic deposits to total assets | 87.6024% | 2,492 |
| Equity capital to assets | 11.4735% | 2,327 |
| Core capital (leverage) ratio | 11.5232% | 1,917 |
| Tier 1 risk-based capital ratio | 15.6999% | 3,365 |
| Total risk-based capital ratio | 16.9511% | 3,311 |
| Memoranda: | ||
| Average total assets | $370,456,670 | 1,767 |
| Average earning assets | $327,053,670 | 1,830 |
| Average equity | $42,478,330 | 1,660 |
| Average total loans | $246,700,000 | 1,680 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 2,485 |
| Cost of funding earning assets | 0.3448% | 5,591 |
| Net interest margin | 4.0661% | 1,567 |
| Noninterest income to average assets | 0.6457% | 2,902 |
| Noninterest expense to average assets | 3.0995% | 2,671 |
| Loan and lease loss provision to assets | 0.2438% | 1,481 |
| Net operating income to assets | 0.6760% | 3,803 |
| Return on assets (ROA) | 0.6760% | 3,963 |
| Pretax return on assets | 0.8797% | 3,839 |
| Return on Equity (ROE) | 5.8974% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.4437% | 2,983 |
| Net charge-offs to loans | 0.0330% | 3,570 |
| Credit loss provision to net charge-offs | 1,125.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 51.8500% | 658 |
| Efficiency ratio | 73.3966% | 3,370 |
| Assets per employee ($millions) | 3.2874% | 5,461 |
| Cash dividends to net income (ytd only)* | 7.6923% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 4,112 |
| Loan loss allowance to noncurrent loans | 72.4668% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 4.7538% | 781 |
| Noncurrent loans to loans | 1.9649% | 2,657 |
| Net loans and leases to total assets | 64.1105% | 2,683 |
| Net loans and leases to deposits | 73.1886% | 3,021 |
| Net loans and leases to core deposits | 76.3014% | 3,275 |
| Total domestic deposits to total assets | 87.5963% | 2,576 |
| Equity capital to assets | 11.4668% | 2,442 |
| Core capital (leverage) ratio | 11.5912% | 1,820 |
| Tier 1 risk-based capital ratio | 16.0766% | 3,218 |
| Total risk-based capital ratio | 17.3272% | 3,175 |
| Memoranda: | ||
| Average total assets | $369,225,000 | 1,786 |
| Average earning assets | $324,831,000 | 1,861 |
| Average equity | $42,324,000 | 1,686 |
| Average total loans | $242,557,500 | 1,714 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 2,812 |
| Cost of funding earning assets | 0.4414% | 5,643 |
| Net interest margin | 4.2053% | 1,644 |
| Noninterest income to average assets | 0.7036% | 2,701 |
| Noninterest expense to average assets | 3.4577% | 1,930 |
| Loan and lease loss provision to assets | 0.3906% | 1,667 |
| Net operating income to assets | 0.4026% | 5,095 |
| Return on assets (ROA) | 0.4180% | 5,279 |
| Pretax return on assets | 0.6087% | 4,972 |
| Return on Equity (ROE) | 3.6432% | 5,294 |
| Retained earnings to average equity (ytd only) | 1.9757% | 4,833 |
| Net charge-offs to loans | 0.4829% | 2,307 |
| Credit loss provision to net charge-offs | 119.4468% | 2,403 |
| Earnings coverage of net charge-offs (x) | 2.9883% | 3,932 |
| Efficiency ratio | 77.9680% | 2,451 |
| Assets per employee ($millions) | 3.1636% | 5,706 |
| Cash dividends to net income (ytd only)* | 45.7705% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 4,504 |
| Loan loss allowance to noncurrent loans | 59.5874% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 4.9798% | 782 |
| Noncurrent loans to loans | 2.2294% | 2,433 |
| Net loans and leases to total assets | 65.4773% | 2,615 |
| Net loans and leases to deposits | 74.6558% | 2,999 |
| Net loans and leases to core deposits | 78.3913% | 3,210 |
| Total domestic deposits to total assets | 87.7056% | 2,413 |
| Equity capital to assets | 11.4590% | 2,487 |
| Core capital (leverage) ratio | 11.4747% | 1,895 |
| Tier 1 risk-based capital ratio | 15.7510% | 3,290 |
| Total risk-based capital ratio | 16.9717% | 3,265 |
| Memoranda: | ||
| Average total assets | $364,862,000 | 1,784 |
| Average earning assets | $323,736,000 | 1,839 |
| Average equity | $41,858,600 | 1,668 |
| Average total loans | $247,070,000 | 1,670 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 2,951 |
| Cost of funding earning assets | 0.4629% | 5,698 |
| Net interest margin | 4.2002% | 1,737 |
| Noninterest income to average assets | 0.6825% | 2,803 |
| Noninterest expense to average assets | 3.4023% | 1,995 |
| Loan and lease loss provision to assets | 0.3934% | 1,630 |
| Net operating income to assets | 0.4241% | 5,140 |
| Return on assets (ROA) | 0.4241% | 5,383 |
| Pretax return on assets | 0.6254% | 5,090 |
| Return on Equity (ROE) | 3.6960% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.5830% | 5,015 |
| Net charge-offs to loans | 0.3785% | 2,584 |
| Credit loss provision to net charge-offs | 152.6989% | 1,844 |
| Earnings coverage of net charge-offs (x) | 3.9546% | 3,445 |
| Efficiency ratio | 76.9556% | 2,529 |
| Assets per employee ($millions) | 3.1003% | 5,850 |
| Cash dividends to net income (ytd only)* | 30.1121% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 4,445 |
| Loan loss allowance to noncurrent loans | 34.6407% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 5.2766% | 821 |
| Noncurrent loans to loans | 3.9935% | 1,283 |
| Net loans and leases to total assets | 66.3075% | 2,596 |
| Net loans and leases to deposits | 75.8357% | 3,006 |
| Net loans and leases to core deposits | 80.6563% | 3,128 |
| Total domestic deposits to total assets | 87.4358% | 2,391 |
| Equity capital to assets | 11.6564% | 2,587 |
| Core capital (leverage) ratio | 11.5299% | 1,964 |
| Tier 1 risk-based capital ratio | 15.8654% | 3,341 |
| Total risk-based capital ratio | 17.1155% | 3,312 |
| Memoranda: | ||
| Average total assets | $364,332,750 | 1,812 |
| Average earning assets | $324,292,000 | 1,852 |
| Average equity | $41,810,250 | 1,683 |
| Average total loans | $247,956,750 | 1,672 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 2,893 |
| Cost of funding earning assets | 0.4858% | 5,721 |
| Net interest margin | 4.2193% | 1,699 |
| Noninterest income to average assets | 0.7181% | 2,564 |
| Noninterest expense to average assets | 3.5262% | 1,730 |
| Loan and lease loss provision to assets | 0.3974% | 1,653 |
| Net operating income to assets | 0.3969% | 5,216 |
| Return on assets (ROA) | 0.3969% | 5,461 |
| Pretax return on assets | 0.5410% | 5,333 |
| Return on Equity (ROE) | 3.4763% | 5,492 |
| Retained earnings to average equity (ytd only) | 1.8006% | 5,292 |
| Net charge-offs to loans | 0.4541% | 2,244 |
| Credit loss provision to net charge-offs | 128.0919% | 2,153 |
| Earnings coverage of net charge-offs (x) | 3.0247% | 3,537 |
| Efficiency ratio | 78.9810% | 2,329 |
| Assets per employee ($millions) | 3.1101% | 5,824 |
| Cash dividends to net income (ytd only)* | 48.2044% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 5,035 |
| Loan loss allowance to noncurrent loans | 20.3593% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 6.8790% | 578 |
| Noncurrent loans to loans | 6.2391% | 692 |
| Net loans and leases to total assets | 67.5422% | 2,359 |
| Net loans and leases to deposits | 77.0514% | 2,828 |
| Net loans and leases to core deposits | 81.8802% | 2,975 |
| Total domestic deposits to total assets | 87.6587% | 2,362 |
| Equity capital to assets | 11.5078% | 2,590 |
| Core capital (leverage) ratio | 11.3083% | 2,038 |
| Tier 1 risk-based capital ratio | 15.4934% | 3,447 |
| Total risk-based capital ratio | 16.6798% | 3,452 |
| Memoranda: | ||
| Average total assets | $364,864,670 | 1,809 |
| Average earning assets | $323,990,670 | 1,853 |
| Average equity | $41,653,000 | 1,680 |
| Average total loans | $249,310,330 | 1,668 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 3,132 |
| Cost of funding earning assets | 0.5223% | 5,662 |
| Net interest margin | 4.1574% | 1,907 |
| Noninterest income to average assets | 0.8145% | 2,094 |
| Noninterest expense to average assets | 3.4979% | 1,768 |
| Loan and lease loss provision to assets | 0.4653% | 1,321 |
| Net operating income to assets | 0.4631% | 4,984 |
| Return on assets (ROA) | 0.4631% | 5,183 |
| Pretax return on assets | 0.5551% | 5,258 |
| Return on Equity (ROE) | 4.0729% | 5,263 |
| Retained earnings to average equity (ytd only) | 0.7125% | 5,775 |
| Net charge-offs to loans | 0.7776% | 1,321 |
| Credit loss provision to net charge-offs | 87.6289% | 2,590 |
| Earnings coverage of net charge-offs (x) | 1.9216% | 3,368 |
| Efficiency ratio | 77.4170% | 2,582 |
| Assets per employee ($millions) | 3.1021% | 5,954 |
| Cash dividends to net income (ytd only)* | 82.5059% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,657 |
| Loan loss allowance to noncurrent loans | 18.4514% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 6.9168% | 629 |
| Noncurrent loans to loans | 6.3130% | 764 |
| Net loans and leases to total assets | 67.0816% | 2,276 |
| Net loans and leases to deposits | 76.2072% | 2,767 |
| Net loans and leases to core deposits | 80.8433% | 2,964 |
| Total domestic deposits to total assets | 88.0253% | 2,305 |
| Equity capital to assets | 11.1570% | 2,750 |
| Core capital (leverage) ratio | 11.2907% | 2,037 |
| Tier 1 risk-based capital ratio | 15.1073% | 3,686 |
| Total risk-based capital ratio | 16.1920% | 3,755 |
| Memoranda: | ||
| Average total assets | $365,359,000 | 1,810 |
| Average earning assets | $325,491,500 | 1,850 |
| Average equity | $41,542,500 | 1,675 |
| Average total loans | $249,499,500 | 1,665 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 3,831 |
| Cost of funding earning assets | 0.6817% | 5,652 |
| Net interest margin | 4.1143% | 2,370 |
| Noninterest income to average assets | 1.0550% | 1,205 |
| Noninterest expense to average assets | 3.6096% | 1,727 |
| Loan and lease loss provision to assets | 0.7411% | 1,366 |
| Net operating income to assets | 0.3452% | 5,088 |
| Return on assets (ROA) | 0.3452% | 5,242 |
| Pretax return on assets | 0.4303% | 5,204 |
| Return on Equity (ROE) | 2.9828% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.1306% | 4,700 |
| Net charge-offs to loans | 1.2100% | 1,389 |
| Credit loss provision to net charge-offs | 86.9709% | 4,149 |
| Earnings coverage of net charge-offs (x) | 1.3747% | 4,742 |
| Efficiency ratio | 75.4995% | 2,974 |
| Assets per employee ($millions) | 2.8909% | 6,298 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 5,301 |
| Loan loss allowance to noncurrent loans | 15.5082% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 8.3054% | 465 |
| Noncurrent loans to loans | 7.8606% | 518 |
| Net loans and leases to total assets | 67.8838% | 2,422 |
| Net loans and leases to deposits | 77.4375% | 2,930 |
| Net loans and leases to core deposits | 82.6103% | 3,087 |
| Total domestic deposits to total assets | 87.6627% | 2,363 |
| Equity capital to assets | 11.5919% | 2,433 |
| Core capital (leverage) ratio | 11.4472% | 1,934 |
| Tier 1 risk-based capital ratio | 15.4932% | 3,327 |
| Total risk-based capital ratio | 16.6303% | 3,353 |
| Memoranda: | ||
| Average total assets | $354,891,800 | 1,826 |
| Average earning assets | $321,392,400 | 1,836 |
| Average equity | $41,068,800 | 1,633 |
| Average total loans | $249,910,200 | 1,673 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8561% | 3,756 |
| Cost of funding earning assets | 0.6993% | 5,769 |
| Net interest margin | 4.1567% | 2,255 |
| Noninterest income to average assets | 1.0335% | 1,265 |
| Noninterest expense to average assets | 3.4794% | 1,995 |
| Loan and lease loss provision to assets | 0.6780% | 1,427 |
| Net operating income to assets | 0.4599% | 4,725 |
| Return on assets (ROA) | 0.4599% | 4,915 |
| Pretax return on assets | 0.6572% | 4,619 |
| Return on Equity (ROE) | 3.9757% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.8361% | 4,656 |
| Net charge-offs to loans | 1.1175% | 1,416 |
| Credit loss provision to net charge-offs | 85.6327% | 3,936 |
| Earnings coverage of net charge-offs (x) | 1.6865% | 4,392 |
| Efficiency ratio | 72.2679% | 3,500 |
| Assets per employee ($millions) | 2.8688% | 6,376 |
| Cash dividends to net income (ytd only)* | 28.6653% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 5,242 |
| Loan loss allowance to noncurrent loans | 12.2453% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 8.6742% | 468 |
| Noncurrent loans to loans | 10.2176% | 346 |
| Net loans and leases to total assets | 68.1175% | 2,464 |
| Net loans and leases to deposits | 77.6421% | 3,063 |
| Net loans and leases to core deposits | 82.6827% | 3,233 |
| Total domestic deposits to total assets | 87.7327% | 2,213 |
| Equity capital to assets | 11.5863% | 2,605 |
| Core capital (leverage) ratio | 11.4653% | 2,050 |
| Tier 1 risk-based capital ratio | 15.7404% | 3,257 |
| Total risk-based capital ratio | 16.9311% | 3,252 |
| Memoranda: | ||
| Average total assets | $353,998,000 | 1,837 |
| Average earning assets | $322,008,500 | 1,841 |
| Average equity | $40,947,750 | 1,641 |
| Average total loans | $250,801,750 | 1,684 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 3,596 |
| Cost of funding earning assets | 0.7236% | 5,812 |
| Net interest margin | 4.1814% | 2,115 |
| Noninterest income to average assets | 1.0072% | 1,297 |
| Noninterest expense to average assets | 3.4716% | 2,061 |
| Loan and lease loss provision to assets | 0.5674% | 1,707 |
| Net operating income to assets | 0.5294% | 4,378 |
| Return on assets (ROA) | 0.5294% | 4,523 |
| Pretax return on assets | 0.7751% | 4,121 |
| Return on Equity (ROE) | 4.5794% | 4,655 |
| Retained earnings to average equity (ytd only) | 2.8615% | 4,462 |
| Net charge-offs to loans | 0.9089% | 1,714 |
| Credit loss provision to net charge-offs | 87.3362% | 3,537 |
| Earnings coverage of net charge-offs (x) | 2.0664% | 3,823 |
| Efficiency ratio | 72.1122% | 3,713 |
| Assets per employee ($millions) | 2.7272% | 6,601 |
| Cash dividends to net income (ytd only)* | 37.5134% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 5,067 |
| Loan loss allowance to noncurrent loans | 16.4992% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 7.0284% | 723 |
| Noncurrent loans to loans | 7.8738% | 584 |
| Net loans and leases to total assets | 69.6893% | 2,284 |
| Net loans and leases to deposits | 79.4682% | 2,896 |
| Net loans and leases to core deposits | 85.0755% | 3,064 |
| Total domestic deposits to total assets | 87.6946% | 2,346 |
| Equity capital to assets | 11.6412% | 2,371 |
| Core capital (leverage) ratio | 11.4613% | 1,939 |
| Tier 1 risk-based capital ratio | 15.4747% | 3,259 |
| Total risk-based capital ratio | 16.7135% | 3,210 |
| Memoranda: | ||
| Average total assets | $352,462,670 | 1,861 |
| Average earning assets | $320,899,330 | 1,858 |
| Average equity | $40,747,330 | 1,643 |
| Average total loans | $251,946,670 | 1,699 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8874% | 3,652 |
| Cost of funding earning assets | 0.7601% | 5,801 |
| Net interest margin | 4.1274% | 2,165 |
| Noninterest income to average assets | 0.9618% | 1,427 |
| Noninterest expense to average assets | 3.4943% | 2,015 |
| Loan and lease loss provision to assets | 0.4553% | 1,934 |
| Net operating income to assets | 0.5156% | 4,427 |
| Return on assets (ROA) | 0.5156% | 4,511 |
| Pretax return on assets | 0.7763% | 3,983 |
| Return on Equity (ROE) | 4.4757% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.0177% | 5,423 |
| Net charge-offs to loans | 0.2263% | 3,181 |
| Credit loss provision to net charge-offs | 279.7203% | 1,138 |
| Earnings coverage of net charge-offs (x) | 7.5664% | 1,933 |
| Efficiency ratio | 73.9403% | 3,521 |
| Assets per employee ($millions) | 2.7570% | 6,610 |
| Cash dividends to net income (ytd only)* | 77.2627% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 4,513 |
| Loan loss allowance to noncurrent loans | 23.8668% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 5.4756% | 1,109 |
| Noncurrent loans to loans | 6.0016% | 1,052 |
| Net loans and leases to total assets | 70.1551% | 2,096 |
| Net loans and leases to deposits | 80.5115% | 2,609 |
| Net loans and leases to core deposits | 85.9552% | 2,881 |
| Total domestic deposits to total assets | 87.1368% | 2,868 |
| Equity capital to assets | 11.2899% | 2,425 |
| Core capital (leverage) ratio | 11.4066% | 1,906 |
| Tier 1 risk-based capital ratio | 15.0970% | 3,379 |
| Total risk-based capital ratio | 16.3485% | 3,335 |
| Memoranda: | ||
| Average total assets | $351,426,500 | 1,877 |
| Average earning assets | $320,495,500 | 1,874 |
| Average equity | $40,485,000 | 1,644 |
| Average total loans | $252,757,500 | 1,714 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7087% | 1,539 |
| Cost of funding earning assets | 0.9209% | 6,076 |
| Net interest margin | 4.7878% | 677 |
| Noninterest income to average assets | 1.1113% | 1,199 |
| Noninterest expense to average assets | 3.9240% | 1,274 |
| Loan and lease loss provision to assets | 0.7100% | 2,309 |
| Net operating income to assets | 0.4973% | 4,109 |
| Return on assets (ROA) | 0.4973% | 4,266 |
| Pretax return on assets | 0.7729% | 3,717 |
| Return on Equity (ROE) | 4.2458% | 4,414 |
| Retained earnings to average equity (ytd only) | 3.3056% | 3,556 |
| Net charge-offs to loans | 0.8668% | 2,464 |
| Credit loss provision to net charge-offs | 112.0256% | 3,904 |
| Earnings coverage of net charge-offs (x) | 2.3397% | 3,976 |
| Efficiency ratio | 72.5748% | 3,687 |
| Assets per employee ($millions) | 2.6293% | 6,803 |
| Cash dividends to net income (ytd only)* | 22.1445% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 4,714 |
| Loan loss allowance to noncurrent loans | 104.0748% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 2.2268% | 3,061 |
| Noncurrent loans to loans | 1.3034% | 4,535 |
| Net loans and leases to total assets | 71.7161% | 2,162 |
| Net loans and leases to deposits | 82.3381% | 2,741 |
| Net loans and leases to core deposits | 89.6283% | 2,816 |
| Total domestic deposits to total assets | 87.0995% | 2,768 |
| Equity capital to assets | 11.7599% | 2,072 |
| Core capital (leverage) ratio | 11.6741% | 1,741 |
| Tier 1 risk-based capital ratio | 15.3663% | 3,059 |
| Total risk-based capital ratio | 16.6170% | 3,020 |
| Memoranda: | ||
| Average total assets | $345,083,000 | 1,887 |
| Average earning assets | $309,599,600 | 1,919 |
| Average equity | $40,416,600 | 1,641 |
| Average total loans | $252,293,200 | 1,747 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7500% | 1,550 |
| Cost of funding earning assets | 0.9549% | 6,149 |
| Net interest margin | 4.7950% | 684 |
| Noninterest income to average assets | 1.1335% | 1,089 |
| Noninterest expense to average assets | 3.7414% | 1,492 |
| Loan and lease loss provision to assets | 0.2896% | 4,259 |
| Net operating income to assets | 0.8616% | 2,776 |
| Return on assets (ROA) | 0.8616% | 2,906 |
| Pretax return on assets | 1.3938% | 1,895 |
| Return on Equity (ROE) | 7.3639% | 3,173 |
| Retained earnings to average equity (ytd only) | 6.1096% | 2,302 |
| Net charge-offs to loans | 0.1762% | 4,903 |
| Credit loss provision to net charge-offs | 224.5509% | 1,539 |
| Earnings coverage of net charge-offs (x) | 13.0510% | 1,626 |
| Efficiency ratio | 68.9685% | 4,272 |
| Assets per employee ($millions) | 2.6744% | 6,811 |
| Cash dividends to net income (ytd only)* | 17.0326% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 4,427 |
| Loan loss allowance to noncurrent loans | 43.5369% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 3.6527% | 1,950 |
| Noncurrent loans to loans | 3.2301% | 2,455 |
| Net loans and leases to total assets | 72.7062% | 2,074 |
| Net loans and leases to deposits | 83.4415% | 2,796 |
| Net loans and leases to core deposits | 90.9699% | 2,959 |
| Total domestic deposits to total assets | 87.1344% | 2,456 |
| Equity capital to assets | 12.0810% | 2,106 |
| Core capital (leverage) ratio | 11.7437% | 1,795 |
| Tier 1 risk-based capital ratio | 15.6508% | 2,927 |
| Total risk-based capital ratio | 16.9023% | 2,886 |
| Memoranda: | ||
| Average total assets | $345,243,000 | 1,918 |
| Average earning assets | $308,979,750 | 1,958 |
| Average equity | $40,394,250 | 1,649 |
| Average total loans | $252,762,000 | 1,768 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 1,610 |
| Cost of funding earning assets | 1.0054% | 6,108 |
| Net interest margin | 4.7308% | 767 |
| Noninterest income to average assets | 1.1311% | 1,025 |
| Noninterest expense to average assets | 3.7381% | 1,483 |
| Loan and lease loss provision to assets | 0.2600% | 4,334 |
| Net operating income to assets | 0.8827% | 2,614 |
| Return on assets (ROA) | 0.8827% | 2,738 |
| Pretax return on assets | 1.3518% | 1,945 |
| Return on Equity (ROE) | 7.6260% | 3,045 |
| Retained earnings to average equity (ytd only) | 5.7294% | 2,481 |
| Net charge-offs to loans | 0.0680% | 5,463 |
| Credit loss provision to net charge-offs | 523.2558% | 709 |
| Earnings coverage of net charge-offs (x) | 32.4419% | 868 |
| Efficiency ratio | 69.8737% | 4,212 |
| Assets per employee ($millions) | 2.5729% | 6,998 |
| Cash dividends to net income (ytd only)* | 24.8691% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,431 |
| Loan loss allowance to noncurrent loans | 116.5223% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 2.0112% | 3,490 |
| Noncurrent loans to loans | 1.1998% | 4,963 |
| Net loans and leases to total assets | 71.5573% | 2,524 |
| Net loans and leases to deposits | 81.8499% | 3,296 |
| Net loans and leases to core deposits | 88.8932% | 3,427 |
| Total domestic deposits to total assets | 87.4249% | 2,306 |
| Equity capital to assets | 11.8140% | 2,213 |
| Core capital (leverage) ratio | 11.3669% | 2,002 |
| Tier 1 risk-based capital ratio | 15.4850% | 2,901 |
| Total risk-based capital ratio | 16.7365% | 2,866 |
| Memoranda: | ||
| Average total assets | $346,216,330 | 1,928 |
| Average earning assets | $308,740,000 | 1,971 |
| Average equity | $40,073,670 | 1,660 |
| Average total loans | $252,869,330 | 1,794 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5669% | 2,299 |
| Cost of funding earning assets | 1.0540% | 6,122 |
| Net interest margin | 4.5129% | 1,112 |
| Noninterest income to average assets | 1.1841% | 870 |
| Noninterest expense to average assets | 3.7067% | 1,503 |
| Loan and lease loss provision to assets | 0.1729% | 4,789 |
| Net operating income to assets | 1.0676% | 1,938 |
| Return on assets (ROA) | 1.0676% | 2,013 |
| Pretax return on assets | 1.3328% | 1,958 |
| Return on Equity (ROE) | 9.3194% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.6963% | 2,766 |
| Net charge-offs to loans | 0.0598% | 4,815 |
| Credit loss provision to net charge-offs | 394.7368% | 1,036 |
| Earnings coverage of net charge-offs (x) | 34.3684% | 791 |
| Efficiency ratio | 71.1126% | 4,099 |
| Assets per employee ($millions) | 2.5615% | 7,113 |
| Cash dividends to net income (ytd only)* | 38.8769% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,996 |
| Loan loss allowance to noncurrent loans | 124.0826% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.9052% | 3,627 |
| Noncurrent loans to loans | 1.0384% | 5,260 |
| Net loans and leases to total assets | 71.3881% | 2,590 |
| Net loans and leases to deposits | 81.4003% | 3,385 |
| Net loans and leases to core deposits | 88.4953% | 3,571 |
| Total domestic deposits to total assets | 87.7000% | 2,236 |
| Equity capital to assets | 11.4888% | 2,373 |
| Core capital (leverage) ratio | 11.3063% | 2,029 |
| Tier 1 risk-based capital ratio | 15.1214% | 3,060 |
| Total risk-based capital ratio | 16.3713% | 3,013 |
| Memoranda: | ||
| Average total assets | $346,939,500 | 1,971 |
| Average earning assets | $309,689,000 | 2,016 |
| Average equity | $39,745,000 | 1,693 |
| Average total loans | $254,201,000 | 1,838 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0105% | 1,825 |
| Cost of funding earning assets | 1.4111% | 5,886 |
| Net interest margin | 4.5994% | 990 |
| Noninterest income to average assets | 1.0886% | 1,297 |
| Noninterest expense to average assets | 3.6315% | 2,074 |
| Loan and lease loss provision to assets | 0.3584% | 4,653 |
| Net operating income to assets | 0.8120% | 2,483 |
| Return on assets (ROA) | 0.6333% | 3,266 |
| Pretax return on assets | 0.9908% | 2,621 |
| Return on Equity (ROE) | 5.7129% | 3,328 |
| Retained earnings to average equity (ytd only) | 4.1250% | 2,328 |
| Net charge-offs to loans | 0.3208% | 4,633 |
| Credit loss provision to net charge-offs | 148.4561% | 3,151 |
| Earnings coverage of net charge-offs (x) | 6.7458% | 2,296 |
| Efficiency ratio | 69.0413% | 4,821 |
| Assets per employee ($millions) | 2.5594% | 7,104 |
| Cash dividends to net income (ytd only)* | 27.7954% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 5,230 |
| Loan loss allowance to noncurrent loans | 188.7952% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 1.6529% | 3,896 |
| Noncurrent loans to loans | 0.6472% | 5,942 |
| Net loans and leases to total assets | 73.3200% | 2,421 |
| Net loans and leases to deposits | 83.4517% | 3,367 |
| Net loans and leases to core deposits | 106.5583% | 3,265 |
| Total domestic deposits to total assets | 87.8592% | 2,037 |
| Equity capital to assets | 11.4227% | 2,371 |
| Core capital (leverage) ratio | 11.1123% | 2,167 |
| Tier 1 risk-based capital ratio | 14.7597% | 3,069 |
| Total risk-based capital ratio | 15.9548% | 3,049 |
| Memoranda: | ||
| Average total assets | $348,811,600 | 1,954 |
| Average earning assets | $316,344,400 | 1,972 |
| Average equity | $38,666,800 | 1,733 |
| Average total loans | $262,479,800 | 1,814 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0027% | 2,029 |
| Cost of funding earning assets | 1.4721% | 5,948 |
| Net interest margin | 4.5306% | 1,120 |
| Noninterest income to average assets | 1.0933% | 1,332 |
| Noninterest expense to average assets | 3.5785% | 2,073 |
| Loan and lease loss provision to assets | 0.1716% | 5,647 |
| Net operating income to assets | 0.9645% | 2,177 |
| Return on assets (ROA) | 0.7230% | 3,197 |
| Pretax return on assets | 1.1089% | 2,536 |
| Return on Equity (ROE) | 6.5718% | 3,270 |
| Retained earnings to average equity (ytd only) | 4.4436% | 2,791 |
| Net charge-offs to loans | 0.0707% | 5,986 |
| Credit loss provision to net charge-offs | 321.4286% | 1,278 |
| Earnings coverage of net charge-offs (x) | 30.9432% | 917 |
| Efficiency ratio | 68.4164% | 4,890 |
| Assets per employee ($millions) | 2.5886% | 7,067 |
| Cash dividends to net income (ytd only)* | 32.3841% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,386 |
| Loan loss allowance to noncurrent loans | 89.6633% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.8737% | 3,548 |
| Noncurrent loans to loans | 1.2881% | 4,786 |
| Net loans and leases to total assets | 74.3522% | 2,430 |
| Net loans and leases to deposits | 86.0512% | 3,307 |
| Net loans and leases to core deposits | 110.2743% | 3,204 |
| Total domestic deposits to total assets | 86.4046% | 2,472 |
| Equity capital to assets | 11.2440% | 2,798 |
| Core capital (leverage) ratio | 10.9674% | 2,425 |
| Tier 1 risk-based capital ratio | 14.2920% | 3,389 |
| Total risk-based capital ratio | 15.4222% | 3,404 |
| Memoranda: | ||
| Average total assets | $349,634,250 | 1,957 |
| Average earning assets | $319,269,250 | 1,967 |
| Average equity | $38,466,500 | 1,769 |
| Average total loans | $263,982,250 | 1,828 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0441% | 2,000 |
| Cost of funding earning assets | 1.5438% | 5,956 |
| Net interest margin | 4.5003% | 1,167 |
| Noninterest income to average assets | 1.0403% | 1,465 |
| Noninterest expense to average assets | 3.5340% | 2,232 |
| Loan and lease loss provision to assets | 0.1716% | 5,352 |
| Net operating income to assets | 1.0281% | 2,011 |
| Return on assets (ROA) | 1.0386% | 2,058 |
| Pretax return on assets | 1.4561% | 1,574 |
| Return on Equity (ROE) | 9.5102% | 2,186 |
| Retained earnings to average equity (ytd only) | 6.2947% | 1,888 |
| Net charge-offs to loans | 0.0265% | 6,105 |
| Credit loss provision to net charge-offs | 857.1429% | 558 |
| Earnings coverage of net charge-offs (x) | 80.5714% | 475 |
| Efficiency ratio | 68.6632% | 5,040 |
| Assets per employee ($millions) | 2.6177% | 7,021 |
| Cash dividends to net income (ytd only)* | 33.8106% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 5,467 |
| Loan loss allowance to noncurrent loans | 78.1552% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.5078% | 3,968 |
| Noncurrent loans to loans | 1.4311% | 4,352 |
| Net loans and leases to total assets | 75.3837% | 2,350 |
| Net loans and leases to deposits | 86.3420% | 3,488 |
| Net loans and leases to core deposits | 110.3661% | 3,340 |
| Total domestic deposits to total assets | 87.3083% | 2,096 |
| Equity capital to assets | 10.9479% | 2,967 |
| Core capital (leverage) ratio | 10.6373% | 2,709 |
| Tier 1 risk-based capital ratio | 13.7515% | 3,655 |
| Total risk-based capital ratio | 14.8539% | 3,678 |
| Memoranda: | ||
| Average total assets | $349,690,670 | 1,978 |
| Average earning assets | $319,087,330 | 1,992 |
| Average equity | $38,190,670 | 1,792 |
| Average total loans | $264,352,670 | 1,866 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0743% | 2,048 |
| Cost of funding earning assets | 1.6334% | 5,892 |
| Net interest margin | 4.4410% | 1,247 |
| Noninterest income to average assets | 1.1823% | 1,047 |
| Noninterest expense to average assets | 3.5813% | 1,901 |
| Loan and lease loss provision to assets | 0.1718% | 4,749 |
| Net operating income to assets | 0.9985% | 2,318 |
| Return on assets (ROA) | 1.0185% | 2,372 |
| Pretax return on assets | 1.5145% | 1,626 |
| Return on Equity (ROE) | 9.3370% | 2,597 |
| Retained earnings to average equity (ytd only) | 2.9933% | 4,210 |
| Net charge-offs to loans | -0.0046% | 7,169 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3727% | 4,897 |
| Assets per employee ($millions) | 2.5637% | 7,159 |
| Cash dividends to net income (ytd only)* | 67.9415% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 5,536 |
| Loan loss allowance to noncurrent loans | 92.0396% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 4,311 |
| Noncurrent loans to loans | 1.1851% | 4,603 |
| Net loans and leases to total assets | 74.3304% | 2,670 |
| Net loans and leases to deposits | 84.2131% | 3,949 |
| Net loans and leases to core deposits | 107.5961% | 3,734 |
| Total domestic deposits to total assets | 88.2646% | 1,600 |
| Equity capital to assets | 10.8829% | 3,093 |
| Core capital (leverage) ratio | 10.6715% | 2,764 |
| Tier 1 risk-based capital ratio | 13.9170% | 3,637 |
| Total risk-based capital ratio | 14.9895% | 3,645 |
| Memoranda: | ||
| Average total assets | $349,150,000 | 1,990 |
| Average earning assets | $318,850,500 | 1,998 |
| Average equity | $38,085,000 | 1,789 |
| Average total loans | $262,821,000 | 1,885 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5776% | 2,593 |
| Cost of funding earning assets | 2.0808% | 6,131 |
| Net interest margin | 4.4968% | 1,432 |
| Noninterest income to average assets | 1.6809% | 485 |
| Noninterest expense to average assets | 3.8023% | 1,748 |
| Loan and lease loss provision to assets | 0.2093% | 4,801 |
| Net operating income to assets | 1.1495% | 1,943 |
| Return on assets (ROA) | 1.1495% | 1,869 |
| Pretax return on assets | 1.7685% | 1,002 |
| Return on Equity (ROE) | 10.3968% | 2,126 |
| Retained earnings to average equity (ytd only) | 5.8096% | 1,615 |
| Net charge-offs to loans | 0.1436% | 4,781 |
| Credit loss provision to net charge-offs | 196.0784% | 2,499 |
| Earnings coverage of net charge-offs (x) | 18.5266% | 1,700 |
| Efficiency ratio | 65.7820% | 5,172 |
| Assets per employee ($millions) | 2.5334% | 7,143 |
| Cash dividends to net income (ytd only)* | 44.1207% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 5,702 |
| Loan loss allowance to noncurrent loans | 92.8790% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 3,999 |
| Noncurrent loans to loans | 1.1215% | 4,305 |
| Net loans and leases to total assets | 74.6150% | 2,964 |
| Net loans and leases to deposits | 84.5792% | 4,325 |
| Net loans and leases to core deposits | 107.7902% | 3,991 |
| Total domestic deposits to total assets | 88.2191% | 1,375 |
| Equity capital to assets | 10.9332% | 3,097 |
| Core capital (leverage) ratio | 10.6934% | 2,831 |
| Tier 1 risk-based capital ratio | 13.9986% | 3,552 |
| Total risk-based capital ratio | 15.0269% | 3,575 |
| Memoranda: | ||
| Average total assets | $334,401,400 | 2,000 |
| Average earning assets | $304,839,200 | 2,002 |
| Average equity | $36,973,000 | 1,835 |
| Average total loans | $248,641,000 | 1,913 |