Home > Pendleton Community Bank, Inc. > Performance and Condition Ratios
Pendleton Community Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 1,440 |
| Cost of funding earning assets | 1.6390% | 1,596 |
| Net interest margin | 3.6889% | 1,783 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.8477% | 1,396 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.8102% | 2,836 |
| Return on assets (ROA) | 0.8208% | 2,782 |
| Pretax return on assets | 0.9596% | 2,782 |
| Return on Equity (ROE) | 11.6100% | 2,061 |
| Retained earnings to average equity (ytd only) | 7.4837% | 1,714 |
| Net charge-offs to loans | 0.1312% | 752 |
| Credit loss provision to net charge-offs | 192.8087% | 1,250 |
| Earnings coverage of net charge-offs (x) | 11.0977% | 2,210 |
| Efficiency ratio | 70.7251% | 1,791 |
| Assets per employee ($millions) | 5.1347% | 3,531 |
| Cash dividends to net income (ytd only)* | 35.5423% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7339% | 4,075 |
| Loan loss allowance to noncurrent loans | 169.6317% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 1,573 |
| Noncurrent loans to loans | 0.4326% | 1,704 |
| Net loans and leases to total assets | 79.7400% | 673 |
| Net loans and leases to deposits | 94.5303% | 904 |
| Net loans and leases to core deposits | 99.9945% | 1,436 |
| Total domestic deposits to total assets | 84.3600% | 2,514 |
| Equity capital to assets | 7.2323% | 3,849 |
| Core capital (leverage) ratio | 7.4190% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6665% | 2,860 |
| Memoranda: | ||
| Average total assets | $713,300,200 | 1,286 |
| Average earning assets | $661,929,400 | 1,291 |
| Average equity | $50,429,800 | 1,595 |
| Average total loans | $561,736,200 | 1,129 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 1,448 |
| Cost of funding earning assets | 1.5061% | 1,586 |
| Net interest margin | 3.6955% | 1,782 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.8456% | 1,330 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.8385% | 2,903 |
| Return on assets (ROA) | 0.8361% | 2,894 |
| Pretax return on assets | 0.9684% | 2,937 |
| Return on Equity (ROE) | 11.9000% | 2,151 |
| Retained earnings to average equity (ytd only) | 11.8965% | 991 |
| Net charge-offs to loans | 0.1272% | 635 |
| Credit loss provision to net charge-offs | 175.2363% | 1,208 |
| Earnings coverage of net charge-offs (x) | 11.5236% | 2,094 |
| Efficiency ratio | 70.6856% | 1,709 |
| Assets per employee ($millions) | 5.3900% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 4,168 |
| Loan loss allowance to noncurrent loans | 681.7875% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,066 |
| Noncurrent loans to loans | 0.0999% | 3,075 |
| Net loans and leases to total assets | 78.7300% | 791 |
| Net loans and leases to deposits | 92.8805% | 975 |
| Net loans and leases to core deposits | 100.0395% | 1,318 |
| Total domestic deposits to total assets | 84.7600% | 2,576 |
| Equity capital to assets | 6.7654% | 3,721 |
| Core capital (leverage) ratio | 7.5205% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5415% | 2,885 |
| Memoranda: | ||
| Average total assets | $708,059,500 | 1,291 |
| Average earning assets | $657,043,000 | 1,293 |
| Average equity | $49,761,250 | 1,597 |
| Average total loans | $554,706,250 | 1,138 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 1,452 |
| Cost of funding earning assets | 1.3150% | 1,669 |
| Net interest margin | 3.7401% | 1,738 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.8816% | 1,256 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.8165% | 3,035 |
| Return on assets (ROA) | 0.8186% | 3,036 |
| Pretax return on assets | 0.9952% | 2,923 |
| Return on Equity (ROE) | 11.4900% | 2,298 |
| Retained earnings to average equity (ytd only) | 11.4938% | 1,075 |
| Net charge-offs to loans | 0.1174% | 614 |
| Credit loss provision to net charge-offs | 183.3333% | 1,086 |
| Earnings coverage of net charge-offs (x) | 12.6415% | 1,930 |
| Efficiency ratio | 70.7573% | 1,690 |
| Assets per employee ($millions) | 5.2684% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6748% | 4,222 |
| Loan loss allowance to noncurrent loans | 1,077.1350% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,280 |
| Noncurrent loans to loans | 0.0626% | 3,255 |
| Net loans and leases to total assets | 79.1600% | 720 |
| Net loans and leases to deposits | 94.3135% | 830 |
| Net loans and leases to core deposits | 101.6239% | 1,154 |
| Total domestic deposits to total assets | 83.9400% | 2,834 |
| Equity capital to assets | 6.9455% | 3,824 |
| Core capital (leverage) ratio | 7.5460% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5818% | 2,899 |
| Memoranda: | ||
| Average total assets | $694,344,333 | 1,309 |
| Average earning assets | $644,266,333 | 1,307 |
| Average equity | $49,452,667 | 1,610 |
| Average total loans | $541,650,667 | 1,150 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 1,397 |
| Cost of funding earning assets | 1.0749% | 1,822 |
| Net interest margin | 3.8327% | 1,616 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.9410% | 1,160 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.8502% | 3,022 |
| Return on assets (ROA) | 0.8502% | 2,972 |
| Pretax return on assets | 1.0354% | 2,900 |
| Return on Equity (ROE) | 11.7800% | 2,276 |
| Retained earnings to average equity (ytd only) | 11.7800% | 1,310 |
| Net charge-offs to loans | 0.1462% | 469 |
| Credit loss provision to net charge-offs | 140.3141% | 975 |
| Earnings coverage of net charge-offs (x) | 10.5916% | 1,657 |
| Efficiency ratio | 70.5479% | 1,698 |
| Assets per employee ($millions) | 5.0561% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 4,253 |
| Loan loss allowance to noncurrent loans | 490.3821% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 2,763 |
| Noncurrent loans to loans | 0.1413% | 2,789 |
| Net loans and leases to total assets | 76.4700% | 933 |
| Net loans and leases to deposits | 88.8875% | 1,144 |
| Net loans and leases to core deposits | 93.8313% | 1,402 |
| Total domestic deposits to total assets | 86.0300% | 2,579 |
| Equity capital to assets | 7.2103% | 3,722 |
| Core capital (leverage) ratio | 7.6746% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8604% | 2,960 |
| Memoranda: | ||
| Average total assets | $677,995,500 | 1,344 |
| Average earning assets | $628,896,000 | 1,347 |
| Average equity | $48,930,500 | 1,639 |
| Average total loans | $522,745,000 | 1,189 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 1,411 |
| Cost of funding earning assets | 0.2559% | 3,276 |
| Net interest margin | 3.8714% | 1,026 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.8264% | 1,263 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0106% | 2,526 |
| Return on assets (ROA) | 1.0097% | 2,484 |
| Pretax return on assets | 1.2696% | 2,203 |
| Return on Equity (ROE) | 13.0600% | 1,792 |
| Retained earnings to average equity (ytd only) | 7.9967% | 1,829 |
| Net charge-offs to loans | 0.0563% | 1,092 |
| Credit loss provision to net charge-offs | 330.6122% | 865 |
| Earnings coverage of net charge-offs (x) | 36.6327% | 1,560 |
| Efficiency ratio | 66.3289% | 2,178 |
| Assets per employee ($millions) | 4.8047% | 3,812 |
| Cash dividends to net income (ytd only)* | 38.7639% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 4,185 |
| Loan loss allowance to noncurrent loans | 946.7532% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,225 |
| Noncurrent loans to loans | 0.0759% | 3,215 |
| Net loans and leases to total assets | 76.4900% | 964 |
| Net loans and leases to deposits | 86.6294% | 1,266 |
| Net loans and leases to core deposits | 88.5864% | 1,576 |
| Total domestic deposits to total assets | 88.3000% | 1,970 |
| Equity capital to assets | 7.2240% | 3,537 |
| Core capital (leverage) ratio | 7.8710% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6219% | 3,015 |
| Memoranda: | ||
| Average total assets | $642,557,000 | 1,399 |
| Average earning assets | $592,913,600 | 1,401 |
| Average equity | $49,682,800 | 1,633 |
| Average total loans | $435,049,000 | 1,305 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 1,495 |
| Cost of funding earning assets | 0.1983% | 3,298 |
| Net interest margin | 3.6961% | 1,148 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.7627% | 1,318 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.9531% | 2,652 |
| Return on assets (ROA) | 0.9531% | 2,623 |
| Pretax return on assets | 1.1940% | 2,391 |
| Return on Equity (ROE) | 12.1200% | 1,996 |
| Retained earnings to average equity (ytd only) | 10.6605% | 1,149 |
| Net charge-offs to loans | 0.0473% | 1,011 |
| Credit loss provision to net charge-offs | 395.2703% | 711 |
| Earnings coverage of net charge-offs (x) | 42.5946% | 1,365 |
| Efficiency ratio | 67.1137% | 2,146 |
| Assets per employee ($millions) | 4.7664% | 3,862 |
| Cash dividends to net income (ytd only)* | 12.0482% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 4,144 |
| Loan loss allowance to noncurrent loans | 523.3631% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 2,820 |
| Noncurrent loans to loans | 0.1471% | 2,877 |
| Net loans and leases to total assets | 70.4700% | 1,444 |
| Net loans and leases to deposits | 77.2970% | 1,778 |
| Net loans and leases to core deposits | 79.1997% | 1,956 |
| Total domestic deposits to total assets | 91.1600% | 1,171 |
| Equity capital to assets | 7.3535% | 3,299 |
| Core capital (leverage) ratio | 7.9594% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5635% | 2,926 |
| Memoranda: | ||
| Average total assets | $638,633,750 | 1,408 |
| Average earning assets | $589,104,000 | 1,417 |
| Average equity | $50,215,500 | 1,645 |
| Average total loans | $417,022,250 | 1,337 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 1,481 |
| Cost of funding earning assets | 0.1872% | 3,082 |
| Net interest margin | 3.5371% | 1,214 |
| Noninterest income to average assets | 0.6857% | 1,406 |
| Noninterest expense to average assets | 2.7327% | 1,310 |
| Loan and lease loss provision to assets | 0.1130% | 889 |
| Net operating income to assets | 0.8838% | 2,654 |
| Return on assets (ROA) | 0.8838% | 2,628 |
| Pretax return on assets | 1.1020% | 2,405 |
| Return on Equity (ROE) | 11.0000% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.0231% | 1,013 |
| Net charge-offs to loans | 0.0411% | 975 |
| Credit loss provision to net charge-offs | 433.7349% | 671 |
| Earnings coverage of net charge-offs (x) | 46.6265% | 1,190 |
| Efficiency ratio | 68.5780% | 2,164 |
| Assets per employee ($millions) | 4.8931% | 3,776 |
| Cash dividends to net income (ytd only)* | 8.8810% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 4,266 |
| Loan loss allowance to noncurrent loans | 514.0888% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,909 |
| Noncurrent loans to loans | 0.1450% | 2,974 |
| Net loans and leases to total assets | 69.7152% | 1,319 |
| Net loans and leases to deposits | 76.5053% | 1,646 |
| Net loans and leases to core deposits | 78.4543% | 1,826 |
| Total domestic deposits to total assets | 91.1247% | 1,173 |
| Equity capital to assets | 7.5202% | 3,462 |
| Core capital (leverage) ratio | 7.7770% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3685% | 2,954 |
| Memoranda: | ||
| Average total assets | $637,024,667 | 1,416 |
| Average earning assets | $587,486,333 | 1,437 |
| Average equity | $51,181,667 | 1,650 |
| Average total loans | $403,715,333 | 1,361 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5478% | 1,648 |
| Cost of funding earning assets | 0.1883% | 2,967 |
| Net interest margin | 3.3595% | 1,413 |
| Noninterest income to average assets | 0.6148% | 1,630 |
| Noninterest expense to average assets | 2.6732% | 1,422 |
| Loan and lease loss provision to assets | 0.1039% | 802 |
| Net operating income to assets | 0.7603% | 2,808 |
| Return on assets (ROA) | 0.7603% | 2,802 |
| Pretax return on assets | 0.9392% | 2,635 |
| Return on Equity (ROE) | 9.1664% | 2,259 |
| Retained earnings to average equity (ytd only) | 7.2678% | 1,803 |
| Net charge-offs to loans | 0.0210% | 1,120 |
| Credit loss provision to net charge-offs | 825.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 82.8000% | 734 |
| Efficiency ratio | 71.2542% | 2,074 |
| Assets per employee ($millions) | 5.0571% | 3,707 |
| Cash dividends to net income (ytd only)* | 20.7125% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 4,198 |
| Loan loss allowance to noncurrent loans | 1,596.0396% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 2,912 |
| Noncurrent loans to loans | 0.0520% | 3,607 |
| Net loans and leases to total assets | 59.9935% | 2,068 |
| Net loans and leases to deposits | 66.1569% | 2,325 |
| Net loans and leases to core deposits | 68.1391% | 2,442 |
| Total domestic deposits to total assets | 90.6836% | 1,192 |
| Equity capital to assets | 7.8981% | 3,646 |
| Core capital (leverage) ratio | 7.6908% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3399% | 2,468 |
| Memoranda: | ||
| Average total assets | $635,039,500 | 1,423 |
| Average earning assets | $586,280,000 | 1,438 |
| Average equity | $52,670,500 | 1,660 |
| Average total loans | $380,459,000 | 1,429 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 2,152 |
| Cost of funding earning assets | 0.2568% | 2,849 |
| Net interest margin | 3.4302% | 1,930 |
| Noninterest income to average assets | 0.6721% | 1,863 |
| Noninterest expense to average assets | 2.6676% | 1,719 |
| Loan and lease loss provision to assets | 0.1067% | 1,185 |
| Net operating income to assets | 0.8819% | 3,107 |
| Return on assets (ROA) | 0.8844% | 3,159 |
| Pretax return on assets | 1.0741% | 3,051 |
| Return on Equity (ROE) | 9.8054% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.0983% | 2,320 |
| Net charge-offs to loans | 0.1976% | 489 |
| Credit loss provision to net charge-offs | 86.9263% | 1,905 |
| Earnings coverage of net charge-offs (x) | 9.5925% | 2,255 |
| Efficiency ratio | 68.7286% | 1,894 |
| Assets per employee ($millions) | 4.9436% | 3,784 |
| Cash dividends to net income (ytd only)* | 37.8065% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,218 |
| Loan loss allowance to noncurrent loans | 7,333.3333% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,174 |
| Noncurrent loans to loans | 0.0113% | 4,009 |
| Net loans and leases to total assets | 58.8226% | 2,294 |
| Net loans and leases to deposits | 65.3004% | 2,567 |
| Net loans and leases to core deposits | 67.3970% | 2,698 |
| Total domestic deposits to total assets | 90.0800% | 920 |
| Equity capital to assets | 8.6991% | 3,885 |
| Core capital (leverage) ratio | 7.5459% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3297% | 2,519 |
| Memoranda: | ||
| Average total assets | $585,613,600 | 1,483 |
| Average earning assets | $541,750,400 | 1,489 |
| Average equity | $52,818,000 | 1,683 |
| Average total loans | $363,786,400 | 1,482 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 2,459 |
| Cost of funding earning assets | 0.2720% | 2,871 |
| Net interest margin | 3.3644% | 2,255 |
| Noninterest income to average assets | 0.6494% | 2,011 |
| Noninterest expense to average assets | 2.6160% | 1,793 |
| Loan and lease loss provision to assets | 0.1056% | 1,148 |
| Net operating income to assets | 0.8401% | 3,416 |
| Return on assets (ROA) | 0.8435% | 3,467 |
| Pretax return on assets | 1.0433% | 3,340 |
| Return on Equity (ROE) | 9.2623% | 3,015 |
| Retained earnings to average equity (ytd only) | 9.0077% | 1,690 |
| Net charge-offs to loans | 0.2489% | 331 |
| Credit loss provision to net charge-offs | 67.4074% | 1,774 |
| Earnings coverage of net charge-offs (x) | 7.3141% | 2,143 |
| Efficiency ratio | 68.9211% | 1,715 |
| Assets per employee ($millions) | 4.8432% | 3,846 |
| Cash dividends to net income (ytd only)* | 2.7488% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 4,332 |
| Loan loss allowance to noncurrent loans | 7,773.6842% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 3,216 |
| Noncurrent loans to loans | 0.0104% | 4,132 |
| Net loans and leases to total assets | 58.0255% | 2,496 |
| Net loans and leases to deposits | 64.5453% | 2,789 |
| Net loans and leases to core deposits | 66.6923% | 2,890 |
| Total domestic deposits to total assets | 89.8988% | 814 |
| Equity capital to assets | 8.9438% | 3,881 |
| Core capital (leverage) ratio | 7.6587% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8558% | 2,412 |
| Memoranda: | ||
| Average total assets | $575,058,750 | 1,519 |
| Average earning assets | $531,788,000 | 1,530 |
| Average equity | $52,368,500 | 1,715 |
| Average total loans | $361,636,000 | 1,515 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 2,298 |
| Cost of funding earning assets | 0.2852% | 2,919 |
| Net interest margin | 3.4275% | 2,070 |
| Noninterest income to average assets | 0.6360% | 2,062 |
| Noninterest expense to average assets | 2.5408% | 2,024 |
| Loan and lease loss provision to assets | 0.1074% | 1,171 |
| Net operating income to assets | 0.9323% | 3,126 |
| Return on assets (ROA) | 0.9357% | 3,192 |
| Pretax return on assets | 1.1642% | 3,012 |
| Return on Equity (ROE) | 10.2073% | 2,676 |
| Retained earnings to average equity (ytd only) | 9.8167% | 1,457 |
| Net charge-offs to loans | 0.3469% | 249 |
| Credit loss provision to net charge-offs | 48.0000% | 1,612 |
| Earnings coverage of net charge-offs (x) | 5.6624% | 1,987 |
| Efficiency ratio | 66.1181% | 2,135 |
| Assets per employee ($millions) | 4.6262% | 3,991 |
| Cash dividends to net income (ytd only)* | 3.8270% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7928% | 4,373 |
| Loan loss allowance to noncurrent loans | 899.0536% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 3,060 |
| Noncurrent loans to loans | 0.0882% | 3,741 |
| Net loans and leases to total assets | 57.5286% | 2,726 |
| Net loans and leases to deposits | 63.8513% | 3,017 |
| Net loans and leases to core deposits | 66.0169% | 3,110 |
| Total domestic deposits to total assets | 90.0978% | 725 |
| Equity capital to assets | 8.6938% | 4,051 |
| Core capital (leverage) ratio | 7.9366% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9992% | 2,371 |
| Memoranda: | ||
| Average total assets | $558,488,333 | 1,551 |
| Average earning assets | $516,885,333 | 1,554 |
| Average equity | $51,198,667 | 1,736 |
| Average total loans | $360,354,667 | 1,521 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 1,819 |
| Cost of funding earning assets | 0.3120% | 2,870 |
| Net interest margin | 3.5938% | 1,606 |
| Noninterest income to average assets | 0.6222% | 2,123 |
| Noninterest expense to average assets | 2.5753% | 1,946 |
| Loan and lease loss provision to assets | 0.1137% | 1,215 |
| Net operating income to assets | 1.0118% | 2,779 |
| Return on assets (ROA) | 1.0118% | 2,861 |
| Pretax return on assets | 1.2596% | 2,677 |
| Return on Equity (ROE) | 10.7119% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.9095% | 1,672 |
| Net charge-offs to loans | 0.6619% | 119 |
| Credit loss provision to net charge-offs | 25.1256% | 1,399 |
| Earnings coverage of net charge-offs (x) | 3.0352% | 1,786 |
| Efficiency ratio | 64.6641% | 2,386 |
| Assets per employee ($millions) | 4.6190% | 4,003 |
| Cash dividends to net income (ytd only)* | 7.4906% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 4,436 |
| Loan loss allowance to noncurrent loans | 592.8261% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 3,031 |
| Noncurrent loans to loans | 0.1322% | 3,652 |
| Net loans and leases to total assets | 63.8647% | 2,062 |
| Net loans and leases to deposits | 71.5700% | 2,355 |
| Net loans and leases to core deposits | 74.0666% | 2,506 |
| Total domestic deposits to total assets | 89.2339% | 1,215 |
| Equity capital to assets | 9.2730% | 3,423 |
| Core capital (leverage) ratio | 8.3550% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5512% | 2,062 |
| Memoranda: | ||
| Average total assets | $527,775,500 | 1,612 |
| Average earning assets | $488,501,500 | 1,620 |
| Average equity | $49,851,000 | 1,766 |
| Average total loans | $360,793,000 | 1,520 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 1,296 |
| Cost of funding earning assets | 0.4985% | 2,958 |
| Net interest margin | 4.0085% | 958 |
| Noninterest income to average assets | 0.7167% | 1,804 |
| Noninterest expense to average assets | 2.9657% | 1,516 |
| Loan and lease loss provision to assets | 0.1789% | 2,155 |
| Net operating income to assets | 1.0233% | 2,205 |
| Return on assets (ROA) | 1.0196% | 2,358 |
| Pretax return on assets | 1.2621% | 2,110 |
| Return on Equity (ROE) | 10.2046% | 1,931 |
| Retained earnings to average equity (ytd only) | 4.9670% | 2,288 |
| Net charge-offs to loans | 0.1920% | 887 |
| Credit loss provision to net charge-offs | 127.2189% | 2,575 |
| Earnings coverage of net charge-offs (x) | 10.2811% | 2,469 |
| Efficiency ratio | 66.6745% | 2,411 |
| Assets per employee ($millions) | 4.3655% | 4,055 |
| Cash dividends to net income (ytd only)* | 51.3260% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 4,324 |
| Loan loss allowance to noncurrent loans | 412.7438% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 2,468 |
| Noncurrent loans to loans | 0.2058% | 3,469 |
| Net loans and leases to total assets | 71.9326% | 1,294 |
| Net loans and leases to deposits | 80.9548% | 1,768 |
| Net loans and leases to core deposits | 84.4256% | 2,002 |
| Total domestic deposits to total assets | 88.8553% | 1,047 |
| Equity capital to assets | 9.6265% | 3,480 |
| Core capital (leverage) ratio | 8.2789% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5108% | 2,441 |
| Memoranda: | ||
| Average total assets | $480,794,600 | 1,607 |
| Average earning assets | $443,130,000 | 1,612 |
| Average equity | $48,037,000 | 1,753 |
| Average total loans | $352,075,600 | 1,499 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 1,340 |
| Cost of funding earning assets | 0.5435% | 2,971 |
| Net interest margin | 4.0454% | 1,019 |
| Noninterest income to average assets | 0.6909% | 1,827 |
| Noninterest expense to average assets | 3.0277% | 1,382 |
| Loan and lease loss provision to assets | 0.1582% | 2,429 |
| Net operating income to assets | 0.9964% | 2,350 |
| Return on assets (ROA) | 0.9913% | 2,504 |
| Pretax return on assets | 1.2232% | 2,307 |
| Return on Equity (ROE) | 9.8244% | 2,080 |
| Retained earnings to average equity (ytd only) | 7.8657% | 1,349 |
| Net charge-offs to loans | 0.0435% | 2,006 |
| Credit loss provision to net charge-offs | 495.5752% | 1,294 |
| Earnings coverage of net charge-offs (x) | 43.4867% | 1,296 |
| Efficiency ratio | 68.0054% | 2,195 |
| Assets per employee ($millions) | 4.2536% | 4,090 |
| Cash dividends to net income (ytd only)* | 19.9373% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 4,029 |
| Loan loss allowance to noncurrent loans | 93.3460% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 1,443 |
| Noncurrent loans to loans | 0.9792% | 1,527 |
| Net loans and leases to total assets | 73.6106% | 1,421 |
| Net loans and leases to deposits | 83.1139% | 2,004 |
| Net loans and leases to core deposits | 86.7350% | 2,251 |
| Total domestic deposits to total assets | 88.5658% | 951 |
| Equity capital to assets | 9.8592% | 3,369 |
| Core capital (leverage) ratio | 8.5033% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6808% | 2,332 |
| Memoranda: | ||
| Average total assets | $472,210,250 | 1,613 |
| Average earning assets | $434,724,000 | 1,627 |
| Average equity | $47,649,000 | 1,753 |
| Average total loans | $346,664,000 | 1,510 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 1,400 |
| Cost of funding earning assets | 0.5970% | 2,982 |
| Net interest margin | 4.1041% | 1,101 |
| Noninterest income to average assets | 0.6635% | 1,889 |
| Noninterest expense to average assets | 3.1144% | 1,325 |
| Loan and lease loss provision to assets | 0.1519% | 2,488 |
| Net operating income to assets | 0.9595% | 2,461 |
| Return on assets (ROA) | 0.9516% | 2,617 |
| Pretax return on assets | 1.1673% | 2,470 |
| Return on Equity (ROE) | 9.3524% | 2,225 |
| Retained earnings to average equity (ytd only) | 6.3671% | 1,915 |
| Net charge-offs to loans | 0.0273% | 2,175 |
| Credit loss provision to net charge-offs | 760.8696% | 945 |
| Earnings coverage of net charge-offs (x) | 66.5652% | 905 |
| Efficiency ratio | 69.5185% | 2,016 |
| Assets per employee ($millions) | 4.1975% | 4,109 |
| Cash dividends to net income (ytd only)* | 31.9197% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 3,883 |
| Loan loss allowance to noncurrent loans | 80.4592% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 1,274 |
| Noncurrent loans to loans | 1.1543% | 1,365 |
| Net loans and leases to total assets | 71.5478% | 1,793 |
| Net loans and leases to deposits | 80.8275% | 2,338 |
| Net loans and leases to core deposits | 84.4978% | 2,571 |
| Total domestic deposits to total assets | 88.5191% | 936 |
| Equity capital to assets | 9.8371% | 3,336 |
| Core capital (leverage) ratio | 8.5435% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9810% | 2,189 |
| Memoranda: | ||
| Average total assets | $460,888,333 | 1,625 |
| Average earning assets | $424,454,667 | 1,633 |
| Average equity | $46,897,000 | 1,770 |
| Average total loans | $336,873,333 | 1,523 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 1,248 |
| Cost of funding earning assets | 0.6981% | 2,939 |
| Net interest margin | 4.1809% | 962 |
| Noninterest income to average assets | 0.7268% | 1,541 |
| Noninterest expense to average assets | 3.6323% | 780 |
| Loan and lease loss provision to assets | 0.1256% | 2,136 |
| Net operating income to assets | 0.6578% | 3,420 |
| Return on assets (ROA) | 0.6416% | 3,536 |
| Pretax return on assets | 0.7860% | 3,445 |
| Return on Equity (ROE) | 6.1918% | 3,240 |
| Retained earnings to average equity (ytd only) | 6.1918% | 1,802 |
| Net charge-offs to loans | 0.0268% | 1,840 |
| Credit loss provision to net charge-offs | 636.3636% | 764 |
| Earnings coverage of net charge-offs (x) | 47.1818% | 939 |
| Efficiency ratio | 79.0208% | 1,234 |
| Assets per employee ($millions) | 3.8410% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 3,936 |
| Loan loss allowance to noncurrent loans | 71.5964% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1124% | 1,166 |
| Noncurrent loans to loans | 1.3246% | 1,225 |
| Net loans and leases to total assets | 72.2328% | 1,882 |
| Net loans and leases to deposits | 82.1143% | 2,440 |
| Net loans and leases to core deposits | 86.1224% | 2,670 |
| Total domestic deposits to total assets | 87.9662% | 1,124 |
| Equity capital to assets | 10.4281% | 3,386 |
| Core capital (leverage) ratio | 9.1130% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5744% | 2,448 |
| Memoranda: | ||
| Average total assets | $445,777,000 | 1,626 |
| Average earning assets | $409,102,000 | 1,636 |
| Average equity | $46,190,000 | 1,784 |
| Average total loans | $327,973,500 | 1,531 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1820% | 1,032 |
| Cost of funding earning assets | 0.7729% | 2,814 |
| Net interest margin | 4.4090% | 877 |
| Noninterest income to average assets | 0.8318% | 1,354 |
| Noninterest expense to average assets | 3.1873% | 1,553 |
| Loan and lease loss provision to assets | 0.1565% | 1,350 |
| Net operating income to assets | 1.2254% | 1,960 |
| Return on assets (ROA) | 1.2364% | 2,006 |
| Pretax return on assets | 1.5590% | 1,618 |
| Return on Equity (ROE) | 10.1799% | 2,219 |
| Retained earnings to average equity (ytd only) | 2.3600% | 3,845 |
| Net charge-offs to loans | 0.0881% | 1,860 |
| Credit loss provision to net charge-offs | 229.7872% | 1,165 |
| Earnings coverage of net charge-offs (x) | 24.9830% | 1,753 |
| Efficiency ratio | 64.9810% | 2,937 |
| Assets per employee ($millions) | 3.7156% | 4,255 |
| Cash dividends to net income (ytd only)* | 76.8167% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 3,909 |
| Loan loss allowance to noncurrent loans | 70.2703% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.1177% | 1,080 |
| Noncurrent loans to loans | 1.2964% | 1,166 |
| Net loans and leases to total assets | 73.5569% | 1,829 |
| Net loans and leases to deposits | 83.3903% | 2,400 |
| Net loans and leases to core deposits | 87.2903% | 2,675 |
| Total domestic deposits to total assets | 88.2079% | 1,029 |
| Equity capital to assets | 10.2942% | 3,632 |
| Core capital (leverage) ratio | 8.8622% | 4,630 |
| Tier 1 risk-based capital ratio | 12.5498% | 4,042 |
| Total risk-based capital ratio | 13.5038% | 4,085 |
| Memoranda: | ||
| Average total assets | $345,023,800 | 1,931 |
| Average earning assets | $317,486,600 | 1,931 |
| Average equity | $41,906,200 | 1,852 |
| Average total loans | $266,872,800 | 1,747 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 1,133 |
| Cost of funding earning assets | 0.7780% | 2,827 |
| Net interest margin | 4.3801% | 988 |
| Noninterest income to average assets | 0.7877% | 1,452 |
| Noninterest expense to average assets | 3.1493% | 1,581 |
| Loan and lease loss provision to assets | 0.1808% | 1,011 |
| Net operating income to assets | 1.2039% | 2,180 |
| Return on assets (ROA) | 1.2201% | 2,200 |
| Pretax return on assets | 1.5031% | 1,943 |
| Return on Equity (ROE) | 9.5436% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.2430% | 1,300 |
| Net charge-offs to loans | 0.1124% | 1,353 |
| Credit loss provision to net charge-offs | 205.1887% | 1,284 |
| Earnings coverage of net charge-offs (x) | 18.8820% | 2,031 |
| Efficiency ratio | 65.3770% | 2,806 |
| Assets per employee ($millions) | 3.8129% | 4,150 |
| Cash dividends to net income (ytd only)* | 13.6286% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 2,921 |
| Loan loss allowance to noncurrent loans | 73.4225% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 848 |
| Noncurrent loans to loans | 1.5278% | 986 |
| Net loans and leases to total assets | 75.5623% | 1,552 |
| Net loans and leases to deposits | 92.0598% | 1,432 |
| Net loans and leases to core deposits | 96.0281% | 1,991 |
| Total domestic deposits to total assets | 82.0796% | 3,455 |
| Equity capital to assets | 13.9109% | 1,189 |
| Core capital (leverage) ratio | 14.2118% | 930 |
| Tier 1 risk-based capital ratio | 17.9768% | 1,828 |
| Total risk-based capital ratio | 19.1281% | 1,801 |
| Memoranda: | ||
| Average total assets | $320,741,500 | 2,041 |
| Average earning assets | $294,783,750 | 2,068 |
| Average equity | $41,003,750 | 1,893 |
| Average total loans | $251,535,000 | 1,832 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1651% | 1,055 |
| Cost of funding earning assets | 0.7895% | 2,695 |
| Net interest margin | 4.3756% | 984 |
| Noninterest income to average assets | 0.7719% | 1,433 |
| Noninterest expense to average assets | 3.2199% | 1,461 |
| Loan and lease loss provision to assets | 0.2098% | 803 |
| Net operating income to assets | 1.1120% | 2,480 |
| Return on assets (ROA) | 1.1375% | 2,455 |
| Pretax return on assets | 1.3944% | 2,225 |
| Return on Equity (ROE) | 9.1894% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.1347% | 1,744 |
| Net charge-offs to loans | 0.1526% | 1,024 |
| Credit loss provision to net charge-offs | 173.6842% | 1,346 |
| Earnings coverage of net charge-offs (x) | 13.0211% | 2,125 |
| Efficiency ratio | 67.1133% | 2,669 |
| Assets per employee ($millions) | 3.4031% | 4,597 |
| Cash dividends to net income (ytd only)* | 22.3589% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 2,958 |
| Loan loss allowance to noncurrent loans | 85.9185% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 965 |
| Noncurrent loans to loans | 1.3044% | 1,208 |
| Net loans and leases to total assets | 78.7516% | 1,083 |
| Net loans and leases to deposits | 91.8434% | 1,506 |
| Net loans and leases to core deposits | 95.8641% | 2,085 |
| Total domestic deposits to total assets | 85.7455% | 2,160 |
| Equity capital to assets | 12.6190% | 1,789 |
| Core capital (leverage) ratio | 12.1023% | 1,757 |
| Tier 1 risk-based capital ratio | 15.5972% | 2,586 |
| Total risk-based capital ratio | 16.7484% | 2,556 |
| Memoranda: | ||
| Average total assets | $314,540,330 | 2,086 |
| Average earning assets | $289,056,330 | 2,105 |
| Average equity | $38,936,330 | 1,983 |
| Average total loans | $248,938,000 | 1,850 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 1,051 |
| Cost of funding earning assets | 0.7696% | 2,686 |
| Net interest margin | 4.3553% | 999 |
| Noninterest income to average assets | 0.7105% | 1,577 |
| Noninterest expense to average assets | 3.1521% | 1,613 |
| Loan and lease loss provision to assets | 0.2296% | 665 |
| Net operating income to assets | 1.1068% | 2,441 |
| Return on assets (ROA) | 1.1481% | 2,328 |
| Pretax return on assets | 1.3777% | 2,163 |
| Return on Equity (ROE) | 9.3663% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.2849% | 1,938 |
| Net charge-offs to loans | 0.0437% | 1,650 |
| Credit loss provision to net charge-offs | 666.6667% | 496 |
| Earnings coverage of net charge-offs (x) | 45.2222% | 1,079 |
| Efficiency ratio | 66.8472% | 2,817 |
| Assets per employee ($millions) | 3.4365% | 4,620 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 2,956 |
| Loan loss allowance to noncurrent loans | 87.3768% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.2281% | 1,083 |
| Noncurrent loans to loans | 1.2955% | 1,266 |
| Net loans and leases to total assets | 77.5578% | 1,227 |
| Net loans and leases to deposits | 90.1818% | 1,603 |
| Net loans and leases to core deposits | 95.0936% | 2,017 |
| Total domestic deposits to total assets | 86.0017% | 2,283 |
| Equity capital to assets | 12.1751% | 1,918 |
| Core capital (leverage) ratio | 12.1475% | 1,693 |
| Tier 1 risk-based capital ratio | 15.4491% | 2,674 |
| Total risk-based capital ratio | 16.6157% | 2,635 |
| Memoranda: | ||
| Average total assets | $313,565,500 | 2,107 |
| Average earning assets | $287,927,000 | 2,125 |
| Average equity | $38,435,500 | 1,995 |
| Average total loans | $247,374,000 | 1,874 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 927 |
| Cost of funding earning assets | 0.6090% | 2,655 |
| Net interest margin | 4.4522% | 832 |
| Noninterest income to average assets | 0.7811% | 1,519 |
| Noninterest expense to average assets | 3.1425% | 1,694 |
| Loan and lease loss provision to assets | 0.1232% | 1,789 |
| Net operating income to assets | 1.2935% | 1,832 |
| Return on assets (ROA) | 1.2932% | 1,818 |
| Pretax return on assets | 1.5852% | 1,512 |
| Return on Equity (ROE) | 10.3744% | 2,358 |
| Retained earnings to average equity (ytd only) | 5.2139% | 2,656 |
| Net charge-offs to loans | 0.1327% | 1,423 |
| Credit loss provision to net charge-offs | 118.2109% | 2,196 |
| Earnings coverage of net charge-offs (x) | 16.3962% | 2,248 |
| Efficiency ratio | 64.7083% | 3,084 |
| Assets per employee ($millions) | 3.3428% | 4,706 |
| Cash dividends to net income (ytd only)* | 49.7425% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,094 |
| Loan loss allowance to noncurrent loans | 87.3212% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.2220% | 1,064 |
| Noncurrent loans to loans | 1.2605% | 1,262 |
| Net loans and leases to total assets | 78.4796% | 1,185 |
| Net loans and leases to deposits | 91.5291% | 1,601 |
| Net loans and leases to core deposits | 96.7246% | 1,991 |
| Total domestic deposits to total assets | 85.7428% | 2,345 |
| Equity capital to assets | 12.3433% | 1,672 |
| Core capital (leverage) ratio | 11.9056% | 1,795 |
| Tier 1 risk-based capital ratio | 15.5768% | 2,583 |
| Total risk-based capital ratio | 16.7113% | 2,559 |
| Memoranda: | ||
| Average total assets | $300,336,600 | 2,157 |
| Average earning assets | $274,558,800 | 2,166 |
| Average equity | $37,438,400 | 1,965 |
| Average total loans | $235,815,400 | 1,909 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 832 |
| Cost of funding earning assets | 0.5676% | 2,723 |
| Net interest margin | 4.4865% | 762 |
| Noninterest income to average assets | 0.7878% | 1,514 |
| Noninterest expense to average assets | 3.1401% | 1,668 |
| Loan and lease loss provision to assets | 0.1005% | 1,989 |
| Net operating income to assets | 1.3473% | 1,672 |
| Return on assets (ROA) | 1.3470% | 1,689 |
| Pretax return on assets | 1.6417% | 1,442 |
| Return on Equity (ROE) | 10.7785% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.8850% | 959 |
| Net charge-offs to loans | 0.1614% | 1,024 |
| Credit loss provision to net charge-offs | 79.5053% | 2,534 |
| Earnings coverage of net charge-offs (x) | 13.7881% | 2,326 |
| Efficiency ratio | 64.2459% | 3,139 |
| Assets per employee ($millions) | 3.6131% | 4,421 |
| Cash dividends to net income (ytd only)* | 8.2893% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,288 |
| Loan loss allowance to noncurrent loans | 155.4749% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 1,920 |
| Noncurrent loans to loans | 0.6964% | 2,337 |
| Net loans and leases to total assets | 75.5668% | 1,720 |
| Net loans and leases to deposits | 87.9783% | 2,154 |
| Net loans and leases to core deposits | 92.9922% | 2,393 |
| Total domestic deposits to total assets | 85.8925% | 2,245 |
| Equity capital to assets | 12.4201% | 1,637 |
| Core capital (leverage) ratio | 12.4104% | 1,550 |
| Tier 1 risk-based capital ratio | 16.3910% | 2,304 |
| Total risk-based capital ratio | 17.5086% | 2,296 |
| Memoranda: | ||
| Average total assets | $298,536,750 | 2,173 |
| Average earning assets | $272,486,750 | 2,188 |
| Average equity | $37,308,000 | 1,972 |
| Average total loans | $233,759,500 | 1,926 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 768 |
| Cost of funding earning assets | 0.5250% | 2,800 |
| Net interest margin | 4.5054% | 692 |
| Noninterest income to average assets | 0.7899% | 1,500 |
| Noninterest expense to average assets | 3.1731% | 1,603 |
| Loan and lease loss provision to assets | 0.1019% | 1,908 |
| Net operating income to assets | 1.3407% | 1,635 |
| Return on assets (ROA) | 1.3407% | 1,643 |
| Pretax return on assets | 1.6239% | 1,424 |
| Return on Equity (ROE) | 10.7051% | 2,232 |
| Retained earnings to average equity (ytd only) | 9.3493% | 1,108 |
| Net charge-offs to loans | 0.0843% | 1,489 |
| Credit loss provision to net charge-offs | 153.0612% | 1,563 |
| Earnings coverage of net charge-offs (x) | 25.9286% | 1,619 |
| Efficiency ratio | 64.7026% | 3,211 |
| Assets per employee ($millions) | 3.2500% | 4,881 |
| Cash dividends to net income (ytd only)* | 12.6646% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 3,081 |
| Loan loss allowance to noncurrent loans | 249.7670% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,297 |
| Noncurrent loans to loans | 0.4533% | 3,078 |
| Net loans and leases to total assets | 78.2754% | 1,268 |
| Net loans and leases to deposits | 91.4766% | 1,645 |
| Net loans and leases to core deposits | 97.0158% | 1,965 |
| Total domestic deposits to total assets | 85.5688% | 2,467 |
| Equity capital to assets | 12.6044% | 1,484 |
| Core capital (leverage) ratio | 12.3292% | 1,524 |
| Tier 1 risk-based capital ratio | 15.9724% | 2,448 |
| Total risk-based capital ratio | 17.1405% | 2,421 |
| Memoranda: | ||
| Average total assets | $294,472,670 | 2,207 |
| Average earning assets | $268,565,670 | 2,217 |
| Average equity | $36,879,670 | 1,991 |
| Average total loans | $232,553,330 | 1,936 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 716 |
| Cost of funding earning assets | 0.4770% | 2,989 |
| Net interest margin | 4.5090% | 605 |
| Noninterest income to average assets | 0.7734% | 1,540 |
| Noninterest expense to average assets | 3.2264% | 1,514 |
| Loan and lease loss provision to assets | 0.1027% | 1,810 |
| Net operating income to assets | 1.3086% | 1,614 |
| Return on assets (ROA) | 1.3086% | 1,620 |
| Pretax return on assets | 1.5592% | 1,501 |
| Return on Equity (ROE) | 10.4836% | 2,179 |
| Retained earnings to average equity (ytd only) | 7.7421% | 1,942 |
| Net charge-offs to loans | -0.0035% | 3,903 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9199% | 3,172 |
| Assets per employee ($millions) | 3.2842% | 4,915 |
| Cash dividends to net income (ytd only)* | 26.1506% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 3,023 |
| Loan loss allowance to noncurrent loans | 164.1383% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 1,896 |
| Noncurrent loans to loans | 0.7083% | 2,443 |
| Net loans and leases to total assets | 77.8034% | 1,275 |
| Net loans and leases to deposits | 90.9443% | 1,569 |
| Net loans and leases to core deposits | 94.6285% | 2,087 |
| Total domestic deposits to total assets | 85.5506% | 2,733 |
| Equity capital to assets | 12.4130% | 1,539 |
| Core capital (leverage) ratio | 12.2960% | 1,477 |
| Tier 1 risk-based capital ratio | 16.0200% | 2,464 |
| Total risk-based capital ratio | 17.2363% | 2,418 |
| Memoranda: | ||
| Average total assets | $292,210,000 | 2,240 |
| Average earning assets | $266,668,000 | 2,256 |
| Average equity | $36,476,000 | 2,016 |
| Average total loans | $230,469,000 | 1,962 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 851 |
| Cost of funding earning assets | 0.4041% | 3,208 |
| Net interest margin | 4.4676% | 669 |
| Noninterest income to average assets | 0.8011% | 1,563 |
| Noninterest expense to average assets | 3.0120% | 2,144 |
| Loan and lease loss provision to assets | 0.1569% | 1,432 |
| Net operating income to assets | 1.1736% | 1,601 |
| Return on assets (ROA) | 1.1757% | 1,615 |
| Pretax return on assets | 1.7069% | 986 |
| Return on Equity (ROE) | 9.3380% | 2,162 |
| Retained earnings to average equity (ytd only) | 4.3850% | 2,527 |
| Net charge-offs to loans | 0.0278% | 3,255 |
| Credit loss provision to net charge-offs | 737.7049% | 453 |
| Earnings coverage of net charge-offs (x) | 87.4590% | 714 |
| Efficiency ratio | 61.6563% | 3,994 |
| Assets per employee ($millions) | 3.2454% | 4,991 |
| Cash dividends to net income (ytd only)* | 53.0406% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 3,051 |
| Loan loss allowance to noncurrent loans | 157.1770% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 1,808 |
| Noncurrent loans to loans | 0.7325% | 2,382 |
| Net loans and leases to total assets | 78.1172% | 1,276 |
| Net loans and leases to deposits | 91.7357% | 1,563 |
| Net loans and leases to core deposits | 95.7354% | 2,049 |
| Total domestic deposits to total assets | 85.1546% | 2,776 |
| Equity capital to assets | 12.5542% | 1,485 |
| Core capital (leverage) ratio | 11.9811% | 1,610 |
| Tier 1 risk-based capital ratio | 16.0700% | 2,408 |
| Total risk-based capital ratio | 17.2794% | 2,362 |
| Memoranda: | ||
| Average total assets | $286,718,000 | 2,246 |
| Average earning assets | $261,303,800 | 2,274 |
| Average equity | $36,100,000 | 2,018 |
| Average total loans | $219,666,600 | 2,000 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 899 |
| Cost of funding earning assets | 0.3924% | 3,274 |
| Net interest margin | 4.4235% | 696 |
| Noninterest income to average assets | 0.8060% | 1,565 |
| Noninterest expense to average assets | 2.9845% | 2,151 |
| Loan and lease loss provision to assets | 0.1677% | 1,208 |
| Net operating income to assets | 1.1939% | 1,722 |
| Return on assets (ROA) | 1.1969% | 1,740 |
| Pretax return on assets | 1.6860% | 1,160 |
| Return on Equity (ROE) | 9.4989% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.4989% | 707 |
| Net charge-offs to loans | 0.0521% | 2,398 |
| Credit loss provision to net charge-offs | 423.5294% | 738 |
| Earnings coverage of net charge-offs (x) | 46.7061% | 1,165 |
| Efficiency ratio | 61.5844% | 3,940 |
| Assets per employee ($millions) | 3.3884% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 3,366 |
| Loan loss allowance to noncurrent loans | 126.2682% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 1,787 |
| Noncurrent loans to loans | 0.8890% | 2,153 |
| Net loans and leases to total assets | 75.1202% | 1,740 |
| Net loans and leases to deposits | 88.0471% | 2,056 |
| Net loans and leases to core deposits | 91.7554% | 2,469 |
| Total domestic deposits to total assets | 85.3182% | 2,589 |
| Equity capital to assets | 12.7191% | 1,534 |
| Core capital (leverage) ratio | 12.5648% | 1,392 |
| Tier 1 risk-based capital ratio | 17.0780% | 2,134 |
| Total risk-based capital ratio | 18.2725% | 2,104 |
| Memoranda: | ||
| Average total assets | $286,186,750 | 2,264 |
| Average earning assets | $260,600,000 | 2,292 |
| Average equity | $36,059,500 | 2,029 |
| Average total loans | $217,517,250 | 2,026 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 854 |
| Cost of funding earning assets | 0.3896% | 3,184 |
| Net interest margin | 4.4147% | 681 |
| Noninterest income to average assets | 0.7935% | 1,592 |
| Noninterest expense to average assets | 2.9839% | 2,163 |
| Loan and lease loss provision to assets | 0.1906% | 976 |
| Net operating income to assets | 1.1612% | 1,733 |
| Return on assets (ROA) | 1.1612% | 1,772 |
| Pretax return on assets | 1.6342% | 1,240 |
| Return on Equity (ROE) | 9.2465% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.2465% | 774 |
| Net charge-offs to loans | 0.0604% | 2,063 |
| Credit loss provision to net charge-offs | 415.3846% | 764 |
| Earnings coverage of net charge-offs (x) | 39.7692% | 1,253 |
| Efficiency ratio | 61.8908% | 4,005 |
| Assets per employee ($millions) | 3.1657% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,471 |
| Loan loss allowance to noncurrent loans | 91.5356% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2302% | 1,380 |
| Noncurrent loans to loans | 1.2222% | 1,595 |
| Net loans and leases to total assets | 75.8181% | 1,565 |
| Net loans and leases to deposits | 88.9921% | 1,867 |
| Net loans and leases to core deposits | 92.2384% | 2,319 |
| Total domestic deposits to total assets | 85.1965% | 2,734 |
| Equity capital to assets | 12.8563% | 1,442 |
| Core capital (leverage) ratio | 12.2070% | 1,529 |
| Tier 1 risk-based capital ratio | 16.7819% | 2,207 |
| Total risk-based capital ratio | 17.9532% | 2,196 |
| Memoranda: | ||
| Average total assets | $283,318,000 | 2,288 |
| Average earning assets | $257,682,670 | 2,322 |
| Average equity | $35,581,000 | 2,046 |
| Average total loans | $215,368,670 | 2,044 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7195% | 902 |
| Cost of funding earning assets | 0.3832% | 3,172 |
| Net interest margin | 4.3363% | 721 |
| Noninterest income to average assets | 0.7617% | 1,703 |
| Noninterest expense to average assets | 2.9506% | 2,300 |
| Loan and lease loss provision to assets | 0.2548% | 578 |
| Net operating income to assets | 1.0732% | 1,966 |
| Return on assets (ROA) | 1.0732% | 2,015 |
| Pretax return on assets | 1.4979% | 1,535 |
| Return on Equity (ROE) | 8.6488% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.6488% | 1,210 |
| Net charge-offs to loans | 0.0318% | 2,131 |
| Credit loss provision to net charge-offs | 1,058.8235% | 298 |
| Earnings coverage of net charge-offs (x) | 72.8235% | 702 |
| Efficiency ratio | 62.5828% | 4,061 |
| Assets per employee ($millions) | 3.3183% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,532 |
| Loan loss allowance to noncurrent loans | 117.6874% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 1,835 |
| Noncurrent loans to loans | 0.9582% | 2,123 |
| Net loans and leases to total assets | 72.9529% | 1,923 |
| Net loans and leases to deposits | 84.9343% | 2,166 |
| Net loans and leases to core deposits | 87.9928% | 2,545 |
| Total domestic deposits to total assets | 85.8933% | 2,719 |
| Equity capital to assets | 12.2968% | 1,663 |
| Core capital (leverage) ratio | 12.2532% | 1,471 |
| Tier 1 risk-based capital ratio | 16.5284% | 2,348 |
| Total risk-based capital ratio | 17.6918% | 2,327 |
| Memoranda: | ||
| Average total assets | $282,521,000 | 2,308 |
| Average earning assets | $256,809,000 | 2,339 |
| Average equity | $35,057,000 | 2,079 |
| Average total loans | $213,823,500 | 2,073 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 749 |
| Cost of funding earning assets | 0.3938% | 3,054 |
| Net interest margin | 4.4989% | 625 |
| Noninterest income to average assets | 0.8219% | 1,674 |
| Noninterest expense to average assets | 3.0077% | 2,327 |
| Loan and lease loss provision to assets | 0.2620% | 787 |
| Net operating income to assets | 1.1649% | 1,629 |
| Return on assets (ROA) | 1.1872% | 1,644 |
| Pretax return on assets | 1.6772% | 1,061 |
| Return on Equity (ROE) | 9.2961% | 2,274 |
| Retained earnings to average equity (ytd only) | 2.4586% | 4,127 |
| Net charge-offs to loans | 0.3085% | 892 |
| Credit loss provision to net charge-offs | 110.7692% | 2,363 |
| Earnings coverage of net charge-offs (x) | 8.0677% | 2,929 |
| Efficiency ratio | 60.9873% | 4,421 |
| Assets per employee ($millions) | 3.0705% | 5,293 |
| Cash dividends to net income (ytd only)* | 73.5519% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 4,052 |
| Loan loss allowance to noncurrent loans | 74.7080% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 1,137 |
| Noncurrent loans to loans | 1.3963% | 1,462 |
| Net loans and leases to total assets | 76.8579% | 1,387 |
| Net loans and leases to deposits | 89.7018% | 1,718 |
| Net loans and leases to core deposits | 93.3408% | 2,177 |
| Total domestic deposits to total assets | 85.6815% | 2,739 |
| Equity capital to assets | 12.5255% | 1,512 |
| Core capital (leverage) ratio | 11.9338% | 1,641 |
| Tier 1 risk-based capital ratio | 16.3408% | 2,409 |
| Total risk-based capital ratio | 17.4372% | 2,415 |
| Memoranda: | ||
| Average total assets | $274,857,000 | 2,321 |
| Average earning assets | $250,103,400 | 2,354 |
| Average equity | $35,100,800 | 2,069 |
| Average total loans | $210,725,600 | 2,042 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 754 |
| Cost of funding earning assets | 0.3944% | 3,076 |
| Net interest margin | 4.4857% | 653 |
| Noninterest income to average assets | 0.7927% | 1,791 |
| Noninterest expense to average assets | 2.9849% | 2,361 |
| Loan and lease loss provision to assets | 0.2623% | 695 |
| Net operating income to assets | 1.1448% | 1,831 |
| Return on assets (ROA) | 1.1741% | 1,832 |
| Pretax return on assets | 1.6705% | 1,196 |
| Return on Equity (ROE) | 9.1492% | 2,425 |
| Retained earnings to average equity (ytd only) | 6.8780% | 1,685 |
| Net charge-offs to loans | 0.4017% | 535 |
| Credit loss provision to net charge-offs | 85.4430% | 2,598 |
| Earnings coverage of net charge-offs (x) | 6.1598% | 3,030 |
| Efficiency ratio | 61.0181% | 4,390 |
| Assets per employee ($millions) | 3.2551% | 5,102 |
| Cash dividends to net income (ytd only)* | 24.8241% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 4,505 |
| Loan loss allowance to noncurrent loans | 72.8006% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4884% | 1,211 |
| Noncurrent loans to loans | 1.3477% | 1,636 |
| Net loans and leases to total assets | 74.0165% | 1,867 |
| Net loans and leases to deposits | 86.6032% | 2,200 |
| Net loans and leases to core deposits | 89.8974% | 2,587 |
| Total domestic deposits to total assets | 85.4662% | 2,618 |
| Equity capital to assets | 12.7753% | 1,610 |
| Core capital (leverage) ratio | 12.4460% | 1,419 |
| Tier 1 risk-based capital ratio | 17.0319% | 2,213 |
| Total risk-based capital ratio | 18.0627% | 2,245 |
| Memoranda: | ||
| Average total assets | $274,484,000 | 2,329 |
| Average earning assets | $249,853,750 | 2,374 |
| Average equity | $35,222,500 | 2,078 |
| Average total loans | $209,748,250 | 2,055 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 707 |
| Cost of funding earning assets | 0.3976% | 3,062 |
| Net interest margin | 4.5113% | 604 |
| Noninterest income to average assets | 0.7733% | 1,833 |
| Noninterest expense to average assets | 2.9678% | 2,455 |
| Loan and lease loss provision to assets | 0.2651% | 703 |
| Net operating income to assets | 1.1698% | 1,698 |
| Return on assets (ROA) | 1.2158% | 1,640 |
| Pretax return on assets | 1.7159% | 1,056 |
| Return on Equity (ROE) | 9.4603% | 2,289 |
| Retained earnings to average equity (ytd only) | 6.0223% | 2,106 |
| Net charge-offs to loans | 0.1014% | 1,818 |
| Credit loss provision to net charge-offs | 339.6226% | 876 |
| Earnings coverage of net charge-offs (x) | 24.5472% | 1,540 |
| Efficiency ratio | 60.5549% | 4,569 |
| Assets per employee ($millions) | 3.3518% | 4,996 |
| Cash dividends to net income (ytd only)* | 36.3416% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,649 |
| Loan loss allowance to noncurrent loans | 60.2736% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.7199% | 1,036 |
| Noncurrent loans to loans | 1.9072% | 1,059 |
| Net loans and leases to total assets | 75.8087% | 1,520 |
| Net loans and leases to deposits | 88.9841% | 1,870 |
| Net loans and leases to core deposits | 92.5152% | 2,308 |
| Total domestic deposits to total assets | 85.1936% | 2,788 |
| Equity capital to assets | 12.9025% | 1,563 |
| Core capital (leverage) ratio | 12.2901% | 1,463 |
| Tier 1 risk-based capital ratio | 16.7911% | 2,313 |
| Total risk-based capital ratio | 18.0039% | 2,281 |
| Memoranda: | ||
| Average total assets | $271,580,330 | 2,370 |
| Average earning assets | $247,466,330 | 2,405 |
| Average equity | $34,903,670 | 2,091 |
| Average total loans | $209,101,670 | 2,063 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 678 |
| Cost of funding earning assets | 0.4013% | 3,051 |
| Net interest margin | 4.5136% | 592 |
| Noninterest income to average assets | 0.7068% | 2,010 |
| Noninterest expense to average assets | 2.9724% | 2,472 |
| Loan and lease loss provision to assets | 0.2667% | 636 |
| Net operating income to assets | 1.1328% | 1,776 |
| Return on assets (ROA) | 1.1424% | 1,859 |
| Pretax return on assets | 1.5974% | 1,302 |
| Return on Equity (ROE) | 8.9070% | 2,468 |
| Retained earnings to average equity (ytd only) | 7.1741% | 1,806 |
| Net charge-offs to loans | 0.1037% | 1,505 |
| Credit loss provision to net charge-offs | 333.3333% | 796 |
| Earnings coverage of net charge-offs (x) | 23.1296% | 1,379 |
| Efficiency ratio | 61.4132% | 4,538 |
| Assets per employee ($millions) | 3.4699% | 4,856 |
| Cash dividends to net income (ytd only)* | 19.4553% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 4,049 |
| Loan loss allowance to noncurrent loans | 66.9096% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.5359% | 1,313 |
| Noncurrent loans to loans | 1.6436% | 1,387 |
| Net loans and leases to total assets | 76.2579% | 1,349 |
| Net loans and leases to deposits | 89.4618% | 1,642 |
| Net loans and leases to core deposits | 92.8443% | 2,106 |
| Total domestic deposits to total assets | 85.2407% | 3,024 |
| Equity capital to assets | 12.9326% | 1,442 |
| Core capital (leverage) ratio | 12.4142% | 1,373 |
| Tier 1 risk-based capital ratio | 16.7561% | 2,371 |
| Total risk-based capital ratio | 17.9174% | 2,359 |
| Memoranda: | ||
| Average total assets | $269,947,000 | 2,383 |
| Average earning assets | $246,187,000 | 2,421 |
| Average equity | $34,624,500 | 2,108 |
| Average total loans | $208,262,000 | 2,071 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 724 |
| Cost of funding earning assets | 0.4587% | 2,546 |
| Net interest margin | 4.4675% | 697 |
| Noninterest income to average assets | 0.8173% | 1,719 |
| Noninterest expense to average assets | 2.8495% | 3,034 |
| Loan and lease loss provision to assets | 0.3356% | 467 |
| Net operating income to assets | 1.2157% | 1,495 |
| Return on assets (ROA) | 1.2305% | 1,511 |
| Pretax return on assets | 1.7346% | 922 |
| Return on Equity (ROE) | 9.7571% | 2,101 |
| Retained earnings to average equity (ytd only) | 5.2038% | 2,275 |
| Net charge-offs to loans | 0.5034% | 520 |
| Credit loss provision to net charge-offs | 87.8906% | 2,800 |
| Earnings coverage of net charge-offs (x) | 5.3672% | 3,404 |
| Efficiency ratio | 57.9084% | 5,156 |
| Assets per employee ($millions) | 3.3240% | 5,110 |
| Cash dividends to net income (ytd only)* | 46.6667% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 4,357 |
| Loan loss allowance to noncurrent loans | 60.8757% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.5911% | 1,244 |
| Noncurrent loans to loans | 1.7143% | 1,315 |
| Net loans and leases to total assets | 76.3872% | 1,349 |
| Net loans and leases to deposits | 89.3017% | 1,712 |
| Net loans and leases to core deposits | 92.7724% | 2,153 |
| Total domestic deposits to total assets | 85.5384% | 2,846 |
| Equity capital to assets | 12.7197% | 1,504 |
| Core capital (leverage) ratio | 12.0173% | 1,611 |
| Tier 1 risk-based capital ratio | 16.6170% | 2,420 |
| Total risk-based capital ratio | 17.7259% | 2,453 |
| Memoranda: | ||
| Average total assets | $268,183,800 | 2,358 |
| Average earning assets | $245,014,600 | 2,383 |
| Average equity | $33,821,400 | 2,106 |
| Average total loans | $203,435,600 | 2,046 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 741 |
| Cost of funding earning assets | 0.4709% | 2,491 |
| Net interest margin | 4.4457% | 726 |
| Noninterest income to average assets | 0.8176% | 1,735 |
| Noninterest expense to average assets | 2.8237% | 3,096 |
| Loan and lease loss provision to assets | 0.3359% | 407 |
| Net operating income to assets | 1.2190% | 1,591 |
| Return on assets (ROA) | 1.2342% | 1,600 |
| Pretax return on assets | 1.7438% | 1,006 |
| Return on Equity (ROE) | 9.8074% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.8074% | 666 |
| Net charge-offs to loans | 0.3255% | 814 |
| Credit loss provision to net charge-offs | 136.6397% | 1,802 |
| Earnings coverage of net charge-offs (x) | 8.3725% | 2,824 |
| Efficiency ratio | 57.5841% | 5,170 |
| Assets per employee ($millions) | 3.3473% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 3,612 |
| Loan loss allowance to noncurrent loans | 45.6373% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 2.3317% | 776 |
| Noncurrent loans to loans | 2.6449% | 740 |
| Net loans and leases to total assets | 74.6803% | 1,612 |
| Net loans and leases to deposits | 87.5867% | 1,962 |
| Net loans and leases to core deposits | 90.9117% | 2,366 |
| Total domestic deposits to total assets | 85.2644% | 2,902 |
| Equity capital to assets | 12.8988% | 1,509 |
| Core capital (leverage) ratio | 12.4694% | 1,432 |
| Tier 1 risk-based capital ratio | 16.9233% | 2,408 |
| Total risk-based capital ratio | 18.1735% | 2,354 |
| Memoranda: | ||
| Average total assets | $267,918,750 | 2,377 |
| Average earning assets | $244,936,500 | 2,403 |
| Average equity | $33,715,000 | 2,118 |
| Average total loans | $202,335,250 | 2,068 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 722 |
| Cost of funding earning assets | 0.4852% | 2,387 |
| Net interest margin | 4.4204% | 737 |
| Noninterest income to average assets | 0.7945% | 1,806 |
| Noninterest expense to average assets | 2.7941% | 3,253 |
| Loan and lease loss provision to assets | 0.3373% | 403 |
| Net operating income to assets | 1.2189% | 1,546 |
| Return on assets (ROA) | 1.2434% | 1,544 |
| Pretax return on assets | 1.7463% | 988 |
| Return on Equity (ROE) | 9.9653% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.9653% | 671 |
| Net charge-offs to loans | 0.4884% | 512 |
| Credit loss provision to net charge-offs | 91.4634% | 2,178 |
| Earnings coverage of net charge-offs (x) | 5.5569% | 2,909 |
| Efficiency ratio | 57.4280% | 5,288 |
| Assets per employee ($millions) | 3.1526% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 4,269 |
| Loan loss allowance to noncurrent loans | 48.1189% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.1271% | 1,003 |
| Noncurrent loans to loans | 2.3084% | 1,017 |
| Net loans and leases to total assets | 74.7839% | 1,537 |
| Net loans and leases to deposits | 87.7715% | 1,868 |
| Net loans and leases to core deposits | 91.7503% | 2,177 |
| Total domestic deposits to total assets | 85.2029% | 3,036 |
| Equity capital to assets | 12.6913% | 1,555 |
| Core capital (leverage) ratio | 12.1873% | 1,545 |
| Tier 1 risk-based capital ratio | 17.0576% | 2,381 |
| Total risk-based capital ratio | 18.2429% | 2,355 |
| Memoranda: | ||
| Average total assets | $266,847,330 | 2,399 |
| Average earning assets | $244,410,670 | 2,426 |
| Average equity | $33,295,670 | 2,153 |
| Average total loans | $201,461,330 | 2,076 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 711 |
| Cost of funding earning assets | 0.4996% | 2,282 |
| Net interest margin | 4.3923% | 745 |
| Noninterest income to average assets | 0.7406% | 1,961 |
| Noninterest expense to average assets | 2.7955% | 3,266 |
| Loan and lease loss provision to assets | 0.3380% | 396 |
| Net operating income to assets | 1.1733% | 1,623 |
| Return on assets (ROA) | 1.2212% | 1,580 |
| Pretax return on assets | 1.7155% | 1,019 |
| Return on Equity (ROE) | 9.8728% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.8728% | 960 |
| Net charge-offs to loans | 0.4003% | 608 |
| Credit loss provision to net charge-offs | 111.9403% | 1,497 |
| Earnings coverage of net charge-offs (x) | 6.5771% | 2,269 |
| Efficiency ratio | 58.2155% | 5,312 |
| Assets per employee ($millions) | 3.2326% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 4,252 |
| Loan loss allowance to noncurrent loans | 45.5117% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 2.3242% | 954 |
| Noncurrent loans to loans | 2.5309% | 956 |
| Net loans and leases to total assets | 75.0117% | 1,354 |
| Net loans and leases to deposits | 88.4605% | 1,566 |
| Net loans and leases to core deposits | 92.5784% | 1,899 |
| Total domestic deposits to total assets | 84.7968% | 3,516 |
| Equity capital to assets | 12.6092% | 1,624 |
| Core capital (leverage) ratio | 11.7970% | 1,782 |
| Tier 1 risk-based capital ratio | 16.8005% | 2,559 |
| Total risk-based capital ratio | 18.0346% | 2,520 |
| Memoranda: | ||
| Average total assets | $266,285,000 | 2,417 |
| Average earning assets | $244,976,500 | 2,426 |
| Average equity | $32,939,000 | 2,187 |
| Average total loans | $200,866,500 | 2,080 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 1,020 |
| Cost of funding earning assets | 0.5987% | 1,766 |
| Net interest margin | 4.2449% | 1,180 |
| Noninterest income to average assets | 0.8084% | 1,842 |
| Noninterest expense to average assets | 2.8434% | 3,330 |
| Loan and lease loss provision to assets | 0.2823% | 747 |
| Net operating income to assets | 1.1298% | 1,867 |
| Return on assets (ROA) | 1.1449% | 1,856 |
| Pretax return on assets | 1.5724% | 1,313 |
| Return on Equity (ROE) | 9.5244% | 2,328 |
| Retained earnings to average equity (ytd only) | 4.3677% | 3,072 |
| Net charge-offs to loans | 0.3018% | 1,462 |
| Credit loss provision to net charge-offs | 130.4348% | 1,826 |
| Earnings coverage of net charge-offs (x) | 8.4748% | 2,874 |
| Efficiency ratio | 60.5166% | 5,144 |
| Assets per employee ($millions) | 3.3024% | 5,250 |
| Cash dividends to net income (ytd only)* | 54.1420% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 4,321 |
| Loan loss allowance to noncurrent loans | 33.9452% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 2.7148% | 814 |
| Noncurrent loans to loans | 3.3678% | 629 |
| Net loans and leases to total assets | 74.1269% | 1,563 |
| Net loans and leases to deposits | 87.6193% | 1,779 |
| Net loans and leases to core deposits | 91.9979% | 2,085 |
| Total domestic deposits to total assets | 84.6011% | 3,455 |
| Equity capital to assets | 12.1326% | 1,923 |
| Core capital (leverage) ratio | 11.4491% | 2,013 |
| Tier 1 risk-based capital ratio | 16.3590% | 2,781 |
| Total risk-based capital ratio | 17.5820% | 2,742 |
| Memoranda: | ||
| Average total assets | $265,705,000 | 2,380 |
| Average earning assets | $242,173,400 | 2,412 |
| Average equity | $31,939,000 | 2,168 |
| Average total loans | $190,542,400 | 2,116 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 1,062 |
| Cost of funding earning assets | 0.6192% | 1,679 |
| Net interest margin | 4.2080% | 1,263 |
| Noninterest income to average assets | 0.8459% | 1,715 |
| Noninterest expense to average assets | 2.8007% | 3,455 |
| Loan and lease loss provision to assets | 0.2262% | 994 |
| Net operating income to assets | 1.1703% | 1,790 |
| Return on assets (ROA) | 1.1742% | 1,848 |
| Pretax return on assets | 1.6467% | 1,187 |
| Return on Equity (ROE) | 9.7912% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.0576% | 982 |
| Net charge-offs to loans | 0.1142% | 2,659 |
| Credit loss provision to net charge-offs | 279.5031% | 960 |
| Earnings coverage of net charge-offs (x) | 23.0747% | 1,604 |
| Efficiency ratio | 59.7179% | 5,224 |
| Assets per employee ($millions) | 3.3621% | 5,114 |
| Cash dividends to net income (ytd only)* | 7.4915% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 3,897 |
| Loan loss allowance to noncurrent loans | 32.0293% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 2.9620% | 803 |
| Noncurrent loans to loans | 3.9239% | 551 |
| Net loans and leases to total assets | 70.3093% | 2,144 |
| Net loans and leases to deposits | 82.1632% | 2,404 |
| Net loans and leases to core deposits | 86.2776% | 2,636 |
| Total domestic deposits to total assets | 85.5727% | 3,083 |
| Equity capital to assets | 12.3359% | 1,803 |
| Core capital (leverage) ratio | 11.9649% | 1,715 |
| Tier 1 risk-based capital ratio | 17.1043% | 2,573 |
| Total risk-based capital ratio | 18.3550% | 2,529 |
| Memoranda: | ||
| Average total assets | $265,257,750 | 2,411 |
| Average earning assets | $240,930,750 | 2,434 |
| Average equity | $31,810,250 | 2,185 |
| Average total loans | $188,033,500 | 2,148 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 1,040 |
| Cost of funding earning assets | 0.6353% | 1,620 |
| Net interest margin | 4.1844% | 1,286 |
| Noninterest income to average assets | 0.7908% | 1,874 |
| Noninterest expense to average assets | 2.8066% | 3,480 |
| Loan and lease loss provision to assets | 0.2273% | 1,011 |
| Net operating income to assets | 1.1299% | 1,820 |
| Return on assets (ROA) | 1.1310% | 1,907 |
| Pretax return on assets | 1.5605% | 1,359 |
| Return on Equity (ROE) | 9.5236% | 2,367 |
| Retained earnings to average equity (ytd only) | 8.4073% | 1,172 |
| Net charge-offs to loans | 0.1595% | 2,117 |
| Credit loss provision to net charge-offs | 201.3423% | 1,156 |
| Earnings coverage of net charge-offs (x) | 15.8255% | 1,827 |
| Efficiency ratio | 60.8280% | 5,172 |
| Assets per employee ($millions) | 3.2121% | 5,406 |
| Cash dividends to net income (ytd only)* | 11.7214% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 4,398 |
| Loan loss allowance to noncurrent loans | 30.4809% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 3.3497% | 720 |
| Noncurrent loans to loans | 3.9537% | 605 |
| Net loans and leases to total assets | 70.6197% | 1,981 |
| Net loans and leases to deposits | 82.4076% | 2,207 |
| Net loans and leases to core deposits | 86.3318% | 2,482 |
| Total domestic deposits to total assets | 85.6956% | 3,197 |
| Equity capital to assets | 12.2414% | 1,819 |
| Core capital (leverage) ratio | 11.5899% | 1,932 |
| Tier 1 risk-based capital ratio | 16.8020% | 2,707 |
| Total risk-based capital ratio | 18.0489% | 2,671 |
| Memoranda: | ||
| Average total assets | $264,020,330 | 2,421 |
| Average earning assets | $239,893,000 | 2,446 |
| Average equity | $31,353,670 | 2,196 |
| Average total loans | $186,872,000 | 2,162 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 1,009 |
| Cost of funding earning assets | 0.6459% | 1,612 |
| Net interest margin | 4.1728% | 1,289 |
| Noninterest income to average assets | 0.7551% | 1,939 |
| Noninterest expense to average assets | 2.7480% | 3,762 |
| Loan and lease loss provision to assets | 0.2270% | 980 |
| Net operating income to assets | 1.1319% | 1,691 |
| Return on assets (ROA) | 1.1319% | 1,757 |
| Pretax return on assets | 1.5632% | 1,251 |
| Return on Equity (ROE) | 9.6800% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.0330% | 1,239 |
| Net charge-offs to loans | 0.0086% | 3,453 |
| Credit loss provision to net charge-offs | 3,750.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 295.7500% | 163 |
| Efficiency ratio | 60.2534% | 5,363 |
| Assets per employee ($millions) | 3.3304% | 5,290 |
| Cash dividends to net income (ytd only)* | 6.6845% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 4,557 |
| Loan loss allowance to noncurrent loans | 29.6141% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 3.4680% | 754 |
| Noncurrent loans to loans | 4.1136% | 635 |
| Net loans and leases to total assets | 68.9030% | 2,071 |
| Net loans and leases to deposits | 80.3091% | 2,252 |
| Net loans and leases to core deposits | 84.0599% | 2,505 |
| Total domestic deposits to total assets | 85.7972% | 3,471 |
| Equity capital to assets | 11.7770% | 2,033 |
| Core capital (leverage) ratio | 11.5096% | 1,959 |
| Tier 1 risk-based capital ratio | 16.5948% | 2,850 |
| Total risk-based capital ratio | 17.8450% | 2,823 |
| Memoranda: | ||
| Average total assets | $264,333,500 | 2,422 |
| Average earning assets | $239,648,000 | 2,447 |
| Average equity | $30,909,000 | 2,216 |
| Average total loans | $186,169,500 | 2,171 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 1,055 |
| Cost of funding earning assets | 0.7560% | 1,467 |
| Net interest margin | 4.1637% | 1,464 |
| Noninterest income to average assets | 0.8079% | 2,049 |
| Noninterest expense to average assets | 2.7669% | 3,847 |
| Loan and lease loss provision to assets | 0.3705% | 840 |
| Net operating income to assets | 1.0392% | 2,160 |
| Return on assets (ROA) | 1.0447% | 2,207 |
| Pretax return on assets | 1.4536% | 1,605 |
| Return on Equity (ROE) | 8.9602% | 2,547 |
| Retained earnings to average equity (ytd only) | 3.3279% | 3,869 |
| Net charge-offs to loans | 1.6713% | 264 |
| Credit loss provision to net charge-offs | 30.9917% | 4,233 |
| Earnings coverage of net charge-offs (x) | 1.5194% | 4,550 |
| Efficiency ratio | 60.0862% | 5,460 |
| Assets per employee ($millions) | 3.3194% | 5,244 |
| Cash dividends to net income (ytd only)* | 62.8592% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 4,964 |
| Loan loss allowance to noncurrent loans | 33.6297% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 3.0339% | 1,033 |
| Noncurrent loans to loans | 3.3771% | 951 |
| Net loans and leases to total assets | 70.3100% | 1,964 |
| Net loans and leases to deposits | 81.3067% | 2,276 |
| Net loans and leases to core deposits | 85.1240% | 2,549 |
| Total domestic deposits to total assets | 86.4750% | 3,009 |
| Equity capital to assets | 11.6080% | 2,090 |
| Core capital (leverage) ratio | 11.0151% | 2,371 |
| Tier 1 risk-based capital ratio | 16.2011% | 3,006 |
| Total risk-based capital ratio | 17.3746% | 2,994 |
| Memoranda: | ||
| Average total assets | $263,142,200 | 2,403 |
| Average earning assets | $238,608,600 | 2,434 |
| Average equity | $30,680,000 | 2,214 |
| Average total loans | $188,236,200 | 2,119 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 1,078 |
| Cost of funding earning assets | 0.7750% | 1,455 |
| Net interest margin | 4.1494% | 1,485 |
| Noninterest income to average assets | 0.8272% | 2,020 |
| Noninterest expense to average assets | 2.7393% | 3,870 |
| Loan and lease loss provision to assets | 0.4177% | 706 |
| Net operating income to assets | 1.0265% | 2,273 |
| Return on assets (ROA) | 1.0338% | 2,324 |
| Pretax return on assets | 1.4398% | 1,800 |
| Return on Equity (ROE) | 8.8569% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.4472% | 1,673 |
| Net charge-offs to loans | 1.8063% | 226 |
| Credit loss provision to net charge-offs | 32.2770% | 3,851 |
| Earnings coverage of net charge-offs (x) | 1.4276% | 4,358 |
| Efficiency ratio | 59.4481% | 5,505 |
| Assets per employee ($millions) | 3.3312% | 5,225 |
| Cash dividends to net income (ytd only)* | 15.9157% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,059 |
| Loan loss allowance to noncurrent loans | 34.8977% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 3.4012% | 1,011 |
| Noncurrent loans to loans | 3.9081% | 913 |
| Net loans and leases to total assets | 69.4212% | 2,063 |
| Net loans and leases to deposits | 80.4168% | 2,353 |
| Net loans and leases to core deposits | 84.1201% | 2,636 |
| Total domestic deposits to total assets | 86.3268% | 3,061 |
| Equity capital to assets | 11.6912% | 2,136 |
| Core capital (leverage) ratio | 11.5009% | 2,041 |
| Tier 1 risk-based capital ratio | 16.5016% | 2,932 |
| Total risk-based capital ratio | 17.7538% | 2,899 |
| Memoranda: | ||
| Average total assets | $263,369,500 | 2,427 |
| Average earning assets | $238,616,250 | 2,454 |
| Average equity | $30,740,000 | 2,232 |
| Average total loans | $188,671,750 | 2,115 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9281% | 1,033 |
| Cost of funding earning assets | 0.7917% | 1,456 |
| Net interest margin | 4.1363% | 1,446 |
| Noninterest income to average assets | 0.8234% | 2,098 |
| Noninterest expense to average assets | 2.7424% | 3,883 |
| Loan and lease loss provision to assets | 0.5146% | 520 |
| Net operating income to assets | 0.9565% | 2,533 |
| Return on assets (ROA) | 0.9675% | 2,626 |
| Pretax return on assets | 1.3456% | 2,139 |
| Return on Equity (ROE) | 8.2938% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.4964% | 2,149 |
| Net charge-offs to loans | 2.1858% | 187 |
| Credit loss provision to net charge-offs | 32.6718% | 3,545 |
| Earnings coverage of net charge-offs (x) | 1.1713% | 4,147 |
| Efficiency ratio | 59.4981% | 5,542 |
| Assets per employee ($millions) | 3.1955% | 5,490 |
| Cash dividends to net income (ytd only)* | 21.6706% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 3,380 |
| Loan loss allowance to noncurrent loans | 38.5937% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 3.5244% | 1,089 |
| Noncurrent loans to loans | 4.0066% | 971 |
| Net loans and leases to total assets | 70.4177% | 1,817 |
| Net loans and leases to deposits | 81.7449% | 2,089 |
| Net loans and leases to core deposits | 85.7473% | 2,359 |
| Total domestic deposits to total assets | 86.1433% | 3,290 |
| Equity capital to assets | 11.6906% | 2,137 |
| Core capital (leverage) ratio | 11.1967% | 2,173 |
| Tier 1 risk-based capital ratio | 16.1178% | 3,128 |
| Total risk-based capital ratio | 17.3721% | 3,072 |
| Memoranda: | ||
| Average total assets | $262,328,670 | 2,435 |
| Average earning assets | $238,713,000 | 2,459 |
| Average equity | $30,601,330 | 2,248 |
| Average total loans | $189,042,330 | 2,109 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 965 |
| Cost of funding earning assets | 0.8136% | 1,453 |
| Net interest margin | 4.1448% | 1,343 |
| Noninterest income to average assets | 0.7757% | 2,233 |
| Noninterest expense to average assets | 2.7309% | 3,941 |
| Loan and lease loss provision to assets | 0.5715% | 449 |
| Net operating income to assets | 0.8991% | 2,661 |
| Return on assets (ROA) | 0.8991% | 2,808 |
| Pretax return on assets | 1.2618% | 2,366 |
| Return on Equity (ROE) | 7.7161% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.7161% | 1,851 |
| Net charge-offs to loans | 0.1369% | 2,586 |
| Credit loss provision to net charge-offs | 576.9231% | 470 |
| Earnings coverage of net charge-offs (x) | 18.5077% | 1,261 |
| Efficiency ratio | 59.5659% | 5,650 |
| Assets per employee ($millions) | 3.2852% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4469% | 1,183 |
| Loan loss allowance to noncurrent loans | 45.7521% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 4.7055% | 794 |
| Noncurrent loans to loans | 5.3482% | 693 |
| Net loans and leases to total assets | 69.7640% | 1,701 |
| Net loans and leases to deposits | 81.0332% | 1,949 |
| Net loans and leases to core deposits | 84.9269% | 2,223 |
| Total domestic deposits to total assets | 86.0931% | 3,478 |
| Equity capital to assets | 11.7339% | 2,230 |
| Core capital (leverage) ratio | 11.0720% | 2,203 |
| Tier 1 risk-based capital ratio | 16.1752% | 3,169 |
| Total risk-based capital ratio | 17.4419% | 3,109 |
| Memoranda: | ||
| Average total assets | $262,477,000 | 2,469 |
| Average earning assets | $239,917,000 | 2,473 |
| Average equity | $30,585,500 | 2,268 |
| Average total loans | $189,856,000 | 2,116 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 1,119 |
| Cost of funding earning assets | 1.0157% | 1,270 |
| Net interest margin | 4.1818% | 1,709 |
| Noninterest income to average assets | 0.7718% | 2,384 |
| Noninterest expense to average assets | 2.7248% | 4,306 |
| Loan and lease loss provision to assets | 0.4326% | 1,474 |
| Net operating income to assets | 1.0194% | 2,256 |
| Return on assets (ROA) | 1.0286% | 2,423 |
| Pretax return on assets | 1.4493% | 1,854 |
| Return on Equity (ROE) | 8.8777% | 2,695 |
| Retained earnings to average equity (ytd only) | 4.0323% | 3,377 |
| Net charge-offs to loans | 0.5765% | 1,999 |
| Credit loss provision to net charge-offs | 101.6260% | 2,977 |
| Earnings coverage of net charge-offs (x) | 4.3902% | 3,381 |
| Efficiency ratio | 59.0323% | 5,700 |
| Assets per employee ($millions) | 3.2362% | 5,544 |
| Cash dividends to net income (ytd only)* | 54.5794% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2366% | 1,489 |
| Loan loss allowance to noncurrent loans | 48.0884% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 4.2886% | 977 |
| Noncurrent loans to loans | 4.6511% | 901 |
| Net loans and leases to total assets | 71.5170% | 1,566 |
| Net loans and leases to deposits | 82.5984% | 1,924 |
| Net loans and leases to core deposits | 86.8508% | 2,203 |
| Total domestic deposits to total assets | 86.5840% | 3,047 |
| Equity capital to assets | 11.5711% | 2,374 |
| Core capital (leverage) ratio | 10.7246% | 2,519 |
| Tier 1 risk-based capital ratio | 15.6742% | 3,334 |
| Total risk-based capital ratio | 16.9388% | 3,281 |
| Memoranda: | ||
| Average total assets | $260,051,400 | 2,439 |
| Average earning assets | $237,671,600 | 2,436 |
| Average equity | $30,131,600 | 2,240 |
| Average total loans | $192,018,200 | 2,079 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 1,027 |
| Cost of funding earning assets | 1.0592% | 1,239 |
| Net interest margin | 4.2327% | 1,636 |
| Noninterest income to average assets | 0.7110% | 2,652 |
| Noninterest expense to average assets | 2.6966% | 4,379 |
| Loan and lease loss provision to assets | 0.4624% | 1,342 |
| Net operating income to assets | 1.0068% | 2,464 |
| Return on assets (ROA) | 1.0193% | 2,643 |
| Pretax return on assets | 1.4354% | 2,132 |
| Return on Equity (ROE) | 8.7937% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.7937% | 1,306 |
| Net charge-offs to loans | 0.5234% | 2,045 |
| Credit loss provision to net charge-offs | 119.3634% | 2,429 |
| Earnings coverage of net charge-offs (x) | 4.8541% | 3,183 |
| Efficiency ratio | 58.6373% | 5,705 |
| Assets per employee ($millions) | 3.3624% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3027% | 1,510 |
| Loan loss allowance to noncurrent loans | 49.9604% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 4.2914% | 1,095 |
| Noncurrent loans to loans | 4.6090% | 1,014 |
| Net loans and leases to total assets | 70.5515% | 1,807 |
| Net loans and leases to deposits | 81.8450% | 2,142 |
| Net loans and leases to core deposits | 85.8969% | 2,478 |
| Total domestic deposits to total assets | 86.2013% | 3,148 |
| Equity capital to assets | 11.7500% | 2,485 |
| Core capital (leverage) ratio | 11.1364% | 2,266 |
| Tier 1 risk-based capital ratio | 15.9468% | 3,292 |
| Total risk-based capital ratio | 17.2001% | 3,263 |
| Memoranda: | ||
| Average total assets | $259,530,500 | 2,465 |
| Average earning assets | $237,038,750 | 2,463 |
| Average equity | $30,081,500 | 2,262 |
| Average total loans | $192,082,750 | 2,100 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 988 |
| Cost of funding earning assets | 1.1083% | 1,186 |
| Net interest margin | 4.2228% | 1,690 |
| Noninterest income to average assets | 0.7394% | 2,473 |
| Noninterest expense to average assets | 2.7021% | 4,411 |
| Loan and lease loss provision to assets | 0.4660% | 1,368 |
| Net operating income to assets | 1.0113% | 2,417 |
| Return on assets (ROA) | 1.0113% | 2,636 |
| Pretax return on assets | 1.4245% | 2,110 |
| Return on Equity (ROE) | 8.7662% | 2,912 |
| Retained earnings to average equity (ytd only) | 8.7662% | 1,353 |
| Net charge-offs to loans | 0.5797% | 1,870 |
| Credit loss provision to net charge-offs | 107.7199% | 2,529 |
| Earnings coverage of net charge-offs (x) | 4.3698% | 3,107 |
| Efficiency ratio | 58.5490% | 5,797 |
| Assets per employee ($millions) | 3.3453% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2467% | 1,677 |
| Loan loss allowance to noncurrent loans | 57.3899% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 3.7769% | 1,372 |
| Noncurrent loans to loans | 3.9148% | 1,421 |
| Net loans and leases to total assets | 71.9358% | 1,561 |
| Net loans and leases to deposits | 83.4583% | 1,918 |
| Net loans and leases to core deposits | 87.1419% | 2,298 |
| Total domestic deposits to total assets | 86.1936% | 3,254 |
| Equity capital to assets | 11.6571% | 2,447 |
| Core capital (leverage) ratio | 10.9230% | 2,375 |
| Tier 1 risk-based capital ratio | 15.6350% | 3,372 |
| Total risk-based capital ratio | 16.8989% | 3,325 |
| Memoranda: | ||
| Average total assets | $257,498,670 | 2,484 |
| Average earning assets | $234,962,000 | 2,473 |
| Average equity | $29,705,000 | 2,277 |
| Average total loans | $192,170,330 | 2,099 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3666% | 969 |
| Cost of funding earning assets | 1.1380% | 1,223 |
| Net interest margin | 4.2287% | 1,677 |
| Noninterest income to average assets | 0.7272% | 2,515 |
| Noninterest expense to average assets | 2.6741% | 4,528 |
| Loan and lease loss provision to assets | 0.4691% | 1,307 |
| Net operating income to assets | 1.0118% | 2,434 |
| Return on assets (ROA) | 1.0118% | 2,626 |
| Pretax return on assets | 1.4309% | 2,088 |
| Return on Equity (ROE) | 8.8180% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.8180% | 1,655 |
| Net charge-offs to loans | 1.1131% | 924 |
| Credit loss provision to net charge-offs | 56.0748% | 3,180 |
| Earnings coverage of net charge-offs (x) | 2.2710% | 3,261 |
| Efficiency ratio | 58.1538% | 5,895 |
| Assets per employee ($millions) | 3.3520% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 2,050 |
| Loan loss allowance to noncurrent loans | 50.4248% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 4.0643% | 1,350 |
| Noncurrent loans to loans | 4.2072% | 1,437 |
| Net loans and leases to total assets | 72.1455% | 1,379 |
| Net loans and leases to deposits | 83.6353% | 1,711 |
| Net loans and leases to core deposits | 87.2092% | 2,147 |
| Total domestic deposits to total assets | 86.2620% | 3,380 |
| Equity capital to assets | 11.4761% | 2,460 |
| Core capital (leverage) ratio | 10.9560% | 2,294 |
| Tier 1 risk-based capital ratio | 15.5543% | 3,411 |
| Total risk-based capital ratio | 16.8171% | 3,373 |
| Memoranda: | ||
| Average total assets | $255,783,000 | 2,509 |
| Average earning assets | $232,697,500 | 2,517 |
| Average equity | $29,349,000 | 2,305 |
| Average total loans | $192,247,500 | 2,109 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 1,199 |
| Cost of funding earning assets | 1.2837% | 1,560 |
| Net interest margin | 4.2019% | 2,053 |
| Noninterest income to average assets | 0.7596% | 2,282 |
| Noninterest expense to average assets | 2.7203% | 4,666 |
| Loan and lease loss provision to assets | 0.6884% | 1,488 |
| Net operating income to assets | 0.8727% | 2,723 |
| Return on assets (ROA) | 0.8871% | 2,789 |
| Pretax return on assets | 1.2301% | 2,352 |
| Return on Equity (ROE) | 7.7847% | 3,019 |
| Retained earnings to average equity (ytd only) | 2.0368% | 4,760 |
| Net charge-offs to loans | 0.2397% | 4,277 |
| Credit loss provision to net charge-offs | 374.7323% | 625 |
| Earnings coverage of net charge-offs (x) | 10.3340% | 1,854 |
| Efficiency ratio | 58.6066% | 5,960 |
| Assets per employee ($millions) | 3.3795% | 5,299 |
| Cash dividends to net income (ytd only)* | 73.8359% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1987% | 1,801 |
| Loan loss allowance to noncurrent loans | 56.5620% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 3.9079% | 1,469 |
| Noncurrent loans to loans | 3.8873% | 1,613 |
| Net loans and leases to total assets | 74.9531% | 1,096 |
| Net loans and leases to deposits | 86.9604% | 1,534 |
| Net loans and leases to core deposits | 90.2590% | 2,086 |
| Total domestic deposits to total assets | 86.1921% | 3,203 |
| Equity capital to assets | 11.4722% | 2,528 |
| Core capital (leverage) ratio | 10.5451% | 2,669 |
| Tier 1 risk-based capital ratio | 14.9904% | 3,646 |
| Total risk-based capital ratio | 16.2543% | 3,595 |
| Memoranda: | ||
| Average total assets | $254,199,000 | 2,479 |
| Average earning assets | $233,467,000 | 2,466 |
| Average equity | $28,967,200 | 2,274 |
| Average total loans | $194,806,200 | 2,086 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4649% | 1,353 |
| Cost of funding earning assets | 1.3124% | 1,634 |
| Net interest margin | 4.1525% | 2,271 |
| Noninterest income to average assets | 0.7396% | 2,371 |
| Noninterest expense to average assets | 2.6746% | 4,823 |
| Loan and lease loss provision to assets | 0.6667% | 1,451 |
| Net operating income to assets | 0.8707% | 2,857 |
| Return on assets (ROA) | 0.8900% | 2,934 |
| Pretax return on assets | 1.2427% | 2,478 |
| Return on Equity (ROE) | 7.8230% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.1089% | 1,915 |
| Net charge-offs to loans | 0.0780% | 5,189 |
| Credit loss provision to net charge-offs | 1,115.7895% | 238 |
| Earnings coverage of net charge-offs (x) | 31.5080% | 903 |
| Efficiency ratio | 58.3899% | 5,957 |
| Assets per employee ($millions) | 3.3415% | 5,385 |
| Cash dividends to net income (ytd only)* | 9.1283% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 2,033 |
| Loan loss allowance to noncurrent loans | 45.1979% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 4.0167% | 1,528 |
| Noncurrent loans to loans | 4.6818% | 1,380 |
| Net loans and leases to total assets | 73.5837% | 1,398 |
| Net loans and leases to deposits | 85.6023% | 1,736 |
| Net loans and leases to core deposits | 88.8087% | 2,388 |
| Total domestic deposits to total assets | 85.9601% | 3,230 |
| Equity capital to assets | 11.5433% | 2,644 |
| Core capital (leverage) ratio | 11.0545% | 2,341 |
| Tier 1 risk-based capital ratio | 15.3215% | 3,480 |
| Total risk-based capital ratio | 16.5843% | 3,439 |
| Memoranda: | ||
| Average total assets | $254,382,750 | 2,491 |
| Average earning assets | $233,874,750 | 2,473 |
| Average equity | $28,939,500 | 2,274 |
| Average total loans | $194,945,250 | 2,110 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5543% | 1,165 |
| Cost of funding earning assets | 1.3501% | 1,651 |
| Net interest margin | 4.2042% | 2,017 |
| Noninterest income to average assets | 0.7428% | 2,300 |
| Noninterest expense to average assets | 2.6984% | 4,829 |
| Loan and lease loss provision to assets | 0.7111% | 1,326 |
| Net operating income to assets | 0.8587% | 2,823 |
| Return on assets (ROA) | 0.8878% | 2,799 |
| Pretax return on assets | 1.2319% | 2,363 |
| Return on Equity (ROE) | 7.8439% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.7583% | 1,985 |
| Net charge-offs to loans | 0.0894% | 4,767 |
| Credit loss provision to net charge-offs | 1,031.0345% | 324 |
| Earnings coverage of net charge-offs (x) | 27.5862% | 986 |
| Efficiency ratio | 58.3563% | 6,116 |
| Assets per employee ($millions) | 3.2127% | 5,610 |
| Cash dividends to net income (ytd only)* | 13.8393% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9453% | 2,526 |
| Loan loss allowance to noncurrent loans | 52.4007% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 3.4625% | 1,904 |
| Noncurrent loans to loans | 3.7124% | 1,893 |
| Net loans and leases to total assets | 75.4274% | 1,166 |
| Net loans and leases to deposits | 87.4646% | 1,582 |
| Net loans and leases to core deposits | 90.5878% | 2,302 |
| Total domestic deposits to total assets | 86.2376% | 3,191 |
| Equity capital to assets | 11.5056% | 2,497 |
| Core capital (leverage) ratio | 10.7468% | 2,473 |
| Tier 1 risk-based capital ratio | 15.1325% | 3,432 |
| Total risk-based capital ratio | 16.3932% | 3,392 |
| Memoranda: | ||
| Average total assets | $252,298,670 | 2,520 |
| Average earning assets | $231,533,000 | 2,509 |
| Average equity | $28,557,330 | 2,279 |
| Average total loans | $194,616,670 | 2,132 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5145% | 1,258 |
| Cost of funding earning assets | 1.3665% | 1,795 |
| Net interest margin | 4.1480% | 2,088 |
| Noninterest income to average assets | 0.7156% | 2,483 |
| Noninterest expense to average assets | 2.7478% | 4,653 |
| Loan and lease loss provision to assets | 0.6711% | 1,272 |
| Net operating income to assets | 0.7999% | 3,035 |
| Return on assets (ROA) | 0.7999% | 3,101 |
| Pretax return on assets | 1.1052% | 2,737 |
| Return on Equity (ROE) | 7.1259% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.1259% | 2,090 |
| Net charge-offs to loans | 0.0988% | 3,960 |
| Credit loss provision to net charge-offs | 879.1667% | 441 |
| Earnings coverage of net charge-offs (x) | 23.2708% | 1,023 |
| Efficiency ratio | 60.4218% | 5,920 |
| Assets per employee ($millions) | 3.2964% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7352% | 3,227 |
| Loan loss allowance to noncurrent loans | 52.3839% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 3.1893% | 2,167 |
| Noncurrent loans to loans | 3.3124% | 2,269 |
| Net loans and leases to total assets | 75.0121% | 1,175 |
| Net loans and leases to deposits | 86.5766% | 1,641 |
| Net loans and leases to core deposits | 89.5972% | 2,394 |
| Total domestic deposits to total assets | 86.6424% | 3,157 |
| Equity capital to assets | 11.2297% | 2,479 |
| Core capital (leverage) ratio | 10.7536% | 2,396 |
| Tier 1 risk-based capital ratio | 14.9707% | 3,441 |
| Total risk-based capital ratio | 16.2286% | 3,401 |
| Memoranda: | ||
| Average total assets | $251,544,500 | 2,557 |
| Average earning assets | $230,956,000 | 2,535 |
| Average equity | $28,235,000 | 2,288 |
| Average total loans | $194,306,000 | 2,158 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8406% | 1,175 |
| Cost of funding earning assets | 1.5885% | 2,138 |
| Net interest margin | 4.2520% | 1,985 |
| Noninterest income to average assets | 0.8285% | 2,146 |
| Noninterest expense to average assets | 2.6825% | 5,071 |
| Loan and lease loss provision to assets | 0.7263% | 2,258 |
| Net operating income to assets | 0.9443% | 2,221 |
| Return on assets (ROA) | 0.9496% | 2,330 |
| Pretax return on assets | 1.2966% | 1,932 |
| Return on Equity (ROE) | 8.3986% | 2,537 |
| Retained earnings to average equity (ytd only) | 3.6438% | 3,314 |
| Net charge-offs to loans | 0.3157% | 4,440 |
| Credit loss provision to net charge-offs | 299.6667% | 896 |
| Earnings coverage of net charge-offs (x) | 8.3167% | 1,985 |
| Efficiency ratio | 56.8051% | 6,488 |
| Assets per employee ($millions) | 3.1958% | 5,680 |
| Cash dividends to net income (ytd only)* | 56.6142% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,843 |
| Loan loss allowance to noncurrent loans | 60.8678% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.5523% | 2,718 |
| Noncurrent loans to loans | 2.5193% | 3,009 |
| Net loans and leases to total assets | 76.9716% | 1,100 |
| Net loans and leases to deposits | 88.7579% | 1,684 |
| Net loans and leases to core deposits | 91.9300% | 2,507 |
| Total domestic deposits to total assets | 86.7208% | 2,965 |
| Equity capital to assets | 11.2196% | 2,481 |
| Core capital (leverage) ratio | 10.4188% | 2,649 |
| Tier 1 risk-based capital ratio | 14.7712% | 3,384 |
| Total risk-based capital ratio | 16.0265% | 3,335 |
| Memoranda: | ||
| Average total assets | $247,566,400 | 2,567 |
| Average earning assets | $225,303,800 | 2,565 |
| Average equity | $27,992,800 | 2,313 |
| Average total loans | $190,061,800 | 2,249 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8326% | 1,302 |
| Cost of funding earning assets | 1.6410% | 2,157 |
| Net interest margin | 4.1916% | 2,249 |
| Noninterest income to average assets | 0.7564% | 2,472 |
| Noninterest expense to average assets | 2.7519% | 4,677 |
| Loan and lease loss provision to assets | 0.4381% | 3,283 |
| Net operating income to assets | 0.9776% | 2,309 |
| Return on assets (ROA) | 0.9776% | 2,429 |
| Pretax return on assets | 1.3698% | 1,971 |
| Return on Equity (ROE) | 8.6286% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.6286% | 1,192 |
| Net charge-offs to loans | 0.2619% | 4,379 |
| Credit loss provision to net charge-offs | 218.8679% | 1,580 |
| Earnings coverage of net charge-offs (x) | 9.0324% | 2,075 |
| Efficiency ratio | 60.0568% | 5,942 |
| Assets per employee ($millions) | 3.2949% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 5,702 |
| Loan loss allowance to noncurrent loans | 39.8535% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.6041% | 2,778 |
| Noncurrent loans to loans | 2.8900% | 2,763 |
| Net loans and leases to total assets | 75.4678% | 1,499 |
| Net loans and leases to deposits | 87.8339% | 2,031 |
| Net loans and leases to core deposits | 91.0513% | 2,946 |
| Total domestic deposits to total assets | 85.9210% | 3,118 |
| Equity capital to assets | 11.4749% | 2,554 |
| Core capital (leverage) ratio | 10.9210% | 2,317 |
| Tier 1 risk-based capital ratio | 15.0245% | 3,242 |
| Total risk-based capital ratio | 16.2771% | 3,226 |
| Memoranda: | ||
| Average total assets | $247,140,500 | 2,604 |
| Average earning assets | $224,251,500 | 2,614 |
| Average equity | $27,999,250 | 2,339 |
| Average total loans | $188,863,500 | 2,293 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8127% | 1,394 |
| Cost of funding earning assets | 1.6886% | 2,176 |
| Net interest margin | 4.1241% | 2,455 |
| Noninterest income to average assets | 0.7250% | 2,549 |
| Noninterest expense to average assets | 2.8340% | 4,341 |
| Loan and lease loss provision to assets | 0.3935% | 3,352 |
| Net operating income to assets | 0.9071% | 2,531 |
| Return on assets (ROA) | 0.9071% | 2,642 |
| Pretax return on assets | 1.2484% | 2,262 |
| Return on Equity (ROE) | 8.0426% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.0426% | 1,423 |
| Net charge-offs to loans | 0.2457% | 4,123 |
| Credit loss provision to net charge-offs | 209.5652% | 1,857 |
| Earnings coverage of net charge-offs (x) | 8.7435% | 2,105 |
| Efficiency ratio | 63.0062% | 5,518 |
| Assets per employee ($millions) | 3.0794% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 6,077 |
| Loan loss allowance to noncurrent loans | 46.6956% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 2.1749% | 3,288 |
| Noncurrent loans to loans | 2.2925% | 3,381 |
| Net loans and leases to total assets | 76.5999% | 1,372 |
| Net loans and leases to deposits | 89.1279% | 1,985 |
| Net loans and leases to core deposits | 92.9120% | 2,858 |
| Total domestic deposits to total assets | 85.9438% | 3,123 |
| Equity capital to assets | 11.4685% | 2,470 |
| Core capital (leverage) ratio | 10.7378% | 2,439 |
| Tier 1 risk-based capital ratio | 15.1216% | 3,096 |
| Total risk-based capital ratio | 16.3715% | 3,050 |
| Memoranda: | ||
| Average total assets | $244,950,330 | 2,652 |
| Average earning assets | $222,789,000 | 2,653 |
| Average equity | $27,628,000 | 2,363 |
| Average total loans | $187,251,000 | 2,340 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8304% | 1,375 |
| Cost of funding earning assets | 1.7289% | 2,240 |
| Net interest margin | 4.1015% | 2,433 |
| Noninterest income to average assets | 0.6829% | 2,720 |
| Noninterest expense to average assets | 2.9331% | 3,940 |
| Loan and lease loss provision to assets | 0.2997% | 3,638 |
| Net operating income to assets | 0.8647% | 2,696 |
| Return on assets (ROA) | 0.8647% | 2,782 |
| Pretax return on assets | 1.1759% | 2,451 |
| Return on Equity (ROE) | 7.7319% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.7319% | 1,824 |
| Net charge-offs to loans | 0.2889% | 3,258 |
| Credit loss provision to net charge-offs | 136.5672% | 2,582 |
| Earnings coverage of net charge-offs (x) | 6.7239% | 2,177 |
| Efficiency ratio | 66.1961% | 5,074 |
| Assets per employee ($millions) | 3.0761% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 6,530 |
| Loan loss allowance to noncurrent loans | 126.0452% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8855% | 5,388 |
| Noncurrent loans to loans | 0.7829% | 5,758 |
| Net loans and leases to total assets | 74.9779% | 1,744 |
| Net loans and leases to deposits | 86.9653% | 2,413 |
| Net loans and leases to core deposits | 90.6875% | 3,271 |
| Total domestic deposits to total assets | 86.2158% | 3,023 |
| Equity capital to assets | 11.2046% | 2,585 |
| Core capital (leverage) ratio | 10.6509% | 2,499 |
| Tier 1 risk-based capital ratio | 15.0964% | 3,068 |
| Total risk-based capital ratio | 16.2528% | 3,077 |
| Memoranda: | ||
| Average total assets | $244,248,500 | 2,712 |
| Average earning assets | $221,870,000 | 2,713 |
| Average equity | $27,315,500 | 2,420 |
| Average total loans | $185,502,000 | 2,421 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1413% | 1,401 |
| Cost of funding earning assets | 2.0378% | 2,784 |
| Net interest margin | 4.1036% | 2,427 |
| Noninterest income to average assets | 0.7483% | 2,685 |
| Noninterest expense to average assets | 2.7410% | 5,192 |
| Loan and lease loss provision to assets | 0.2729% | 5,227 |
| Net operating income to assets | 1.0759% | 1,578 |
| Return on assets (ROA) | 1.0963% | 1,560 |
| Pretax return on assets | 1.5147% | 1,153 |
| Return on Equity (ROE) | 9.1850% | 1,966 |
| Retained earnings to average equity (ytd only) | 2.9937% | 3,072 |
| Net charge-offs to loans | 0.1289% | 5,908 |
| Credit loss provision to net charge-offs | 277.9279% | 1,235 |
| Earnings coverage of net charge-offs (x) | 17.9189% | 1,162 |
| Efficiency ratio | 60.9080% | 6,348 |
| Assets per employee ($millions) | 3.0301% | 6,143 |
| Cash dividends to net income (ytd only)* | 67.4062% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 6,533 |
| Loan loss allowance to noncurrent loans | 33.1851% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 2.5510% | 2,741 |
| Noncurrent loans to loans | 2.9227% | 2,641 |
| Net loans and leases to total assets | 75.4355% | 1,936 |
| Net loans and leases to deposits | 87.5433% | 2,640 |
| Net loans and leases to core deposits | 110.0007% | 2,898 |
| Total domestic deposits to total assets | 86.1694% | 2,920 |
| Equity capital to assets | 11.1620% | 2,566 |
| Core capital (leverage) ratio | 10.4608% | 2,644 |
| Tier 1 risk-based capital ratio | 14.9503% | 2,969 |
| Total risk-based capital ratio | 15.9992% | 3,032 |
| Memoranda: | ||
| Average total assets | $226,121,800 | 2,868 |
| Average earning assets | $206,747,400 | 2,876 |
| Average equity | $26,989,600 | 2,450 |
| Average total loans | $172,171,000 | 2,599 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1764% | 1,429 |
| Cost of funding earning assets | 2.1374% | 2,719 |
| Net interest margin | 4.0389% | 2,639 |
| Noninterest income to average assets | 0.7374% | 2,778 |
| Noninterest expense to average assets | 2.8389% | 4,725 |
| Loan and lease loss provision to assets | 0.1753% | 5,607 |
| Net operating income to assets | 1.0305% | 1,963 |
| Return on assets (ROA) | 1.0586% | 1,930 |
| Pretax return on assets | 1.4513% | 1,553 |
| Return on Equity (ROE) | 8.7148% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.7148% | 919 |
| Net charge-offs to loans | 0.1293% | 5,404 |
| Credit loss provision to net charge-offs | 178.0488% | 2,588 |
| Earnings coverage of net charge-offs (x) | 16.1281% | 1,488 |
| Efficiency ratio | 64.1259% | 5,726 |
| Assets per employee ($millions) | 3.1977% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 6,989 |
| Loan loss allowance to noncurrent loans | 98.8968% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.9605% | 5,140 |
| Noncurrent loans to loans | 0.8499% | 5,599 |
| Net loans and leases to total assets | 73.0181% | 2,788 |
| Net loans and leases to deposits | 85.5010% | 3,414 |
| Net loans and leases to core deposits | 106.5410% | 3,640 |
| Total domestic deposits to total assets | 85.4003% | 3,025 |
| Equity capital to assets | 11.4302% | 2,650 |
| Core capital (leverage) ratio | 11.1584% | 2,296 |
| Tier 1 risk-based capital ratio | 15.9978% | 2,631 |
| Total risk-based capital ratio | 16.9185% | 2,688 |
| Memoranda: | ||
| Average total assets | $222,049,500 | 2,933 |
| Average earning assets | $202,854,500 | 2,951 |
| Average equity | $26,972,500 | 2,472 |
| Average total loans | $169,050,000 | 2,665 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2736% | 1,273 |
| Cost of funding earning assets | 2.1861% | 2,857 |
| Net interest margin | 4.0875% | 2,366 |
| Noninterest income to average assets | 0.7103% | 2,927 |
| Noninterest expense to average assets | 2.9300% | 4,384 |
| Loan and lease loss provision to assets | 0.1570% | 5,497 |
| Net operating income to assets | 0.9813% | 2,171 |
| Return on assets (ROA) | 1.0243% | 2,109 |
| Pretax return on assets | 1.4141% | 1,685 |
| Return on Equity (ROE) | 8.2462% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.2462% | 1,135 |
| Net charge-offs to loans | 0.2328% | 4,041 |
| Credit loss provision to net charge-offs | 87.5000% | 4,996 |
| Earnings coverage of net charge-offs (x) | 8.4219% | 2,260 |
| Efficiency ratio | 65.9722% | 5,550 |
| Assets per employee ($millions) | 3.0542% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 7,232 |
| Loan loss allowance to noncurrent loans | 103.5472% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 5,418 |
| Noncurrent loans to loans | 0.7496% | 5,740 |
| Net loans and leases to total assets | 75.5595% | 2,296 |
| Net loans and leases to deposits | 89.1308% | 2,970 |
| Net loans and leases to core deposits | 110.4952% | 3,328 |
| Total domestic deposits to total assets | 84.7738% | 3,369 |
| Equity capital to assets | 11.6501% | 2,424 |
| Core capital (leverage) ratio | 11.4754% | 2,099 |
| Tier 1 risk-based capital ratio | 15.8838% | 2,666 |
| Total risk-based capital ratio | 16.7269% | 2,755 |
| Memoranda: | ||
| Average total assets | $213,991,330 | 3,058 |
| Average earning assets | $195,326,670 | 3,070 |
| Average equity | $26,582,000 | 2,515 |
| Average total loans | $164,962,670 | 2,737 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2681% | 1,391 |
| Cost of funding earning assets | 2.1681% | 3,329 |
| Net interest margin | 4.1000% | 2,268 |
| Noninterest income to average assets | 0.6793% | 3,009 |
| Noninterest expense to average assets | 2.8225% | 4,462 |
| Loan and lease loss provision to assets | 0.1503% | 5,002 |
| Net operating income to assets | 1.0622% | 2,099 |
| Return on assets (ROA) | 1.0482% | 2,269 |
| Pretax return on assets | 1.4483% | 1,819 |
| Return on Equity (ROE) | 8.1512% | 3,074 |
| Retained earnings to average equity (ytd only) | 8.1512% | 1,753 |
| Net charge-offs to loans | 0.4275% | 2,389 |
| Credit loss provision to net charge-offs | 45.2941% | 4,748 |
| Earnings coverage of net charge-offs (x) | 4.8765% | 2,795 |
| Efficiency ratio | 63.5604% | 5,770 |
| Assets per employee ($millions) | 3.2195% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 7,098 |
| Loan loss allowance to noncurrent loans | 281.6415% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 5,997 |
| Noncurrent loans to loans | 0.2898% | 6,717 |
| Net loans and leases to total assets | 76.8976% | 2,065 |
| Net loans and leases to deposits | 92.4509% | 2,521 |
| Net loans and leases to core deposits | 112.7016% | 3,143 |
| Total domestic deposits to total assets | 83.1767% | 4,059 |
| Equity capital to assets | 12.8985% | 1,792 |
| Core capital (leverage) ratio | 12.9293% | 1,504 |
| Tier 1 risk-based capital ratio | 17.9532% | 2,067 |
| Total risk-based capital ratio | 18.8419% | 2,098 |
| Memoranda: | ||
| Average total assets | $204,927,500 | 3,182 |
| Average earning assets | $187,999,000 | 3,186 |
| Average equity | $26,352,000 | 2,537 |
| Average total loans | $159,064,000 | 2,864 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7888% | 1,715 |
| Cost of funding earning assets | 2.6217% | 3,573 |
| Net interest margin | 4.1671% | 2,445 |
| Noninterest income to average assets | 0.7573% | 2,743 |
| Noninterest expense to average assets | 2.6879% | 5,320 |
| Loan and lease loss provision to assets | 0.1477% | 5,469 |
| Net operating income to assets | 1.2699% | 1,566 |
| Return on assets (ROA) | 1.2699% | 1,515 |
| Pretax return on assets | 1.7656% | 1,006 |
| Return on Equity (ROE) | 9.7389% | 2,346 |
| Retained earnings to average equity (ytd only) | 1.2965% | 4,438 |
| Net charge-offs to loans | 0.0568% | 5,962 |
| Credit loss provision to net charge-offs | 341.3793% | 1,328 |
| Earnings coverage of net charge-offs (x) | 44.2299% | 831 |
| Efficiency ratio | 58.4180% | 6,617 |
| Assets per employee ($millions) | 3.0419% | 5,949 |
| Cash dividends to net income (ytd only)* | 86.6875% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 6,770 |
| Loan loss allowance to noncurrent loans | 82.4085% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 4,673 |
| Noncurrent loans to loans | 1.0696% | 4,428 |
| Net loans and leases to total assets | 77.0248% | 2,366 |
| Net loans and leases to deposits | 93.8663% | 2,790 |
| Net loans and leases to core deposits | 112.9131% | 3,457 |
| Total domestic deposits to total assets | 82.0580% | 4,177 |
| Equity capital to assets | 12.8195% | 1,863 |
| Core capital (leverage) ratio | 12.7199% | 1,651 |
| Tier 1 risk-based capital ratio | 17.6686% | 2,126 |
| Total risk-based capital ratio | 18.6244% | 2,159 |
| Memoranda: | ||
| Average total assets | $201,121,200 | 3,121 |
| Average earning assets | $185,526,800 | 3,108 |
| Average equity | $26,224,600 | 2,534 |
| Average total loans | $153,034,400 | 2,870 |