Home > The Callaway Bank > Performance and Condition Ratios
The Callaway Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 2,459 |
| Cost of funding earning assets | 1.4751% | 2,007 |
| Net interest margin | 3.3296% | 2,558 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 3.0899% | 977 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.5040% | 3,663 |
| Return on assets (ROA) | 0.5062% | 3,650 |
| Pretax return on assets | 0.6238% | 3,593 |
| Return on Equity (ROE) | 6.3800% | 3,453 |
| Retained earnings to average equity (ytd only) | 2.6821% | 3,387 |
| Net charge-offs to loans | 0.0087% | 2,334 |
| Credit loss provision to net charge-offs | 843.7500% | 470 |
| Earnings coverage of net charge-offs (x) | 101.4688% | 897 |
| Efficiency ratio | 81.8684% | 782 |
| Assets per employee ($millions) | 8.4849% | 1,189 |
| Cash dividends to net income (ytd only)* | 57.9517% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,106 |
| Loan loss allowance to noncurrent loans | 255.5482% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 1,670 |
| Noncurrent loans to loans | 0.4074% | 1,763 |
| Net loans and leases to total assets | 77.4000% | 926 |
| Net loans and leases to deposits | 95.2701% | 842 |
| Net loans and leases to core deposits | 105.1044% | 1,160 |
| Total domestic deposits to total assets | 81.2400% | 3,266 |
| Equity capital to assets | 8.2728% | 3,223 |
| Core capital (leverage) ratio | 9.1994% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $474,478,000 | 1,787 |
| Average earning assets | $441,586,200 | 1,771 |
| Average equity | $37,657,600 | 1,952 |
| Average total loans | $367,314,200 | 1,555 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 2,531 |
| Cost of funding earning assets | 1.3875% | 1,903 |
| Net interest margin | 3.2845% | 2,723 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 3.0902% | 944 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.4716% | 3,821 |
| Return on assets (ROA) | 0.4714% | 3,823 |
| Pretax return on assets | 0.5777% | 3,776 |
| Return on Equity (ROE) | 6.0000% | 3,640 |
| Retained earnings to average equity (ytd only) | 1.8257% | 3,762 |
| Net charge-offs to loans | -0.0044% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.7226% | 687 |
| Assets per employee ($millions) | 8.3665% | 1,181 |
| Cash dividends to net income (ytd only)* | 69.5886% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,132 |
| Loan loss allowance to noncurrent loans | 158.7081% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 1,138 |
| Noncurrent loans to loans | 0.6578% | 1,251 |
| Net loans and leases to total assets | 77.1500% | 975 |
| Net loans and leases to deposits | 92.5527% | 1,011 |
| Net loans and leases to core deposits | 100.7848% | 1,278 |
| Total domestic deposits to total assets | 83.3600% | 2,943 |
| Equity capital to assets | 7.7950% | 3,184 |
| Core capital (leverage) ratio | 9.0786% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $474,308,250 | 1,787 |
| Average earning assets | $440,966,750 | 1,773 |
| Average equity | $37,244,750 | 1,956 |
| Average total loans | $366,236,500 | 1,554 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 2,590 |
| Cost of funding earning assets | 1.2323% | 1,896 |
| Net interest margin | 3.2910% | 2,772 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 3.1036% | 907 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4723% | 3,870 |
| Return on assets (ROA) | 0.4706% | 3,875 |
| Pretax return on assets | 0.5754% | 3,839 |
| Return on Equity (ROE) | 5.9800% | 3,694 |
| Retained earnings to average equity (ytd only) | 0.5474% | 3,979 |
| Net charge-offs to loans | -0.0329% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.6063% | 676 |
| Assets per employee ($millions) | 8.8518% | 956 |
| Cash dividends to net income (ytd only)* | 90.8438% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,177 |
| Loan loss allowance to noncurrent loans | 283.7977% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 1,780 |
| Noncurrent loans to loans | 0.3706% | 1,814 |
| Net loans and leases to total assets | 76.2000% | 1,029 |
| Net loans and leases to deposits | 91.8001% | 1,040 |
| Net loans and leases to core deposits | 98.7954% | 1,303 |
| Total domestic deposits to total assets | 83.0000% | 3,048 |
| Equity capital to assets | 7.7996% | 3,350 |
| Core capital (leverage) ratio | 9.0154% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $473,446,667 | 1,790 |
| Average earning assets | $440,165,333 | 1,783 |
| Average equity | $37,268,333 | 1,969 |
| Average total loans | $364,372,667 | 1,553 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 2,755 |
| Cost of funding earning assets | 1.0283% | 1,952 |
| Net interest margin | 3.2900% | 2,902 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 3.1496% | 864 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4151% | 4,065 |
| Return on assets (ROA) | 0.4066% | 4,027 |
| Pretax return on assets | 0.4898% | 4,004 |
| Return on Equity (ROE) | 5.1400% | 3,870 |
| Retained earnings to average equity (ytd only) | -4.0471% | 4,291 |
| Net charge-offs to loans | -0.0684% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.5295% | 564 |
| Assets per employee ($millions) | 8.8843% | 984 |
| Cash dividends to net income (ytd only)* | 178.7056% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,356 |
| Loan loss allowance to noncurrent loans | 266.9725% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 1,661 |
| Noncurrent loans to loans | 0.3880% | 1,765 |
| Net loans and leases to total assets | 76.7600% | 899 |
| Net loans and leases to deposits | 93.0253% | 848 |
| Net loans and leases to core deposits | 98.0750% | 1,169 |
| Total domestic deposits to total assets | 82.5100% | 3,403 |
| Equity capital to assets | 7.9882% | 3,251 |
| Core capital (leverage) ratio | 8.9579% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $471,171,500 | 1,813 |
| Average earning assets | $438,787,000 | 1,808 |
| Average equity | $37,261,500 | 1,996 |
| Average total loans | $362,515,500 | 1,573 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 1,930 |
| Cost of funding earning assets | 0.3083% | 2,805 |
| Net interest margin | 3.6132% | 1,608 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 3.2621% | 664 |
| Loan and lease loss provision to assets | -0.1700% | 4,611 |
| Net operating income to assets | 0.8773% | 3,055 |
| Return on assets (ROA) | 0.8775% | 2,992 |
| Pretax return on assets | 1.1058% | 2,757 |
| Return on Equity (ROE) | 10.6100% | 2,610 |
| Retained earnings to average equity (ytd only) | 3.9063% | 3,429 |
| Net charge-offs to loans | -0.0899% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.7772% | 862 |
| Assets per employee ($millions) | 8.2715% | 1,197 |
| Cash dividends to net income (ytd only)* | 63.1782% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 3,573 |
| Loan loss allowance to noncurrent loans | 221.5800% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 1,531 |
| Noncurrent loans to loans | 0.4327% | 1,626 |
| Net loans and leases to total assets | 75.5900% | 1,051 |
| Net loans and leases to deposits | 92.9916% | 844 |
| Net loans and leases to core deposits | 96.9966% | 1,151 |
| Total domestic deposits to total assets | 81.2900% | 3,723 |
| Equity capital to assets | 7.8284% | 3,166 |
| Core capital (leverage) ratio | 9.1672% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $472,605,400 | 1,791 |
| Average earning assets | $442,707,200 | 1,779 |
| Average equity | $39,091,200 | 1,950 |
| Average total loans | $351,666,800 | 1,541 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8668% | 1,562 |
| Cost of funding earning assets | 0.2252% | 2,985 |
| Net interest margin | 3.6416% | 1,293 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 3.1251% | 752 |
| Loan and lease loss provision to assets | -0.2400% | 4,690 |
| Net operating income to assets | 1.1124% | 2,043 |
| Return on assets (ROA) | 1.1128% | 2,010 |
| Pretax return on assets | 1.4143% | 1,674 |
| Return on Equity (ROE) | 13.2800% | 1,622 |
| Retained earnings to average equity (ytd only) | 11.5715% | 898 |
| Net charge-offs to loans | -0.1354% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.7392% | 1,416 |
| Assets per employee ($millions) | 7.2578% | 1,776 |
| Cash dividends to net income (ytd only)* | 12.8452% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 3,592 |
| Loan loss allowance to noncurrent loans | 260.4985% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 1,810 |
| Noncurrent loans to loans | 0.3745% | 1,888 |
| Net loans and leases to total assets | 75.3700% | 977 |
| Net loans and leases to deposits | 88.6002% | 991 |
| Net loans and leases to core deposits | 91.7871% | 1,194 |
| Total domestic deposits to total assets | 85.0700% | 3,264 |
| Equity capital to assets | 8.2259% | 2,735 |
| Core capital (leverage) ratio | 9.5650% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $472,888,500 | 1,804 |
| Average earning assets | $444,110,000 | 1,784 |
| Average equity | $39,636,750 | 1,955 |
| Average total loans | $349,626,000 | 1,537 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 1,274 |
| Cost of funding earning assets | 0.1822% | 3,153 |
| Net interest margin | 3.6367% | 1,011 |
| Noninterest income to average assets | 0.9838% | 697 |
| Noninterest expense to average assets | 2.7039% | 1,384 |
| Loan and lease loss provision to assets | 0.0378% | 1,907 |
| Net operating income to assets | 1.3035% | 1,127 |
| Return on assets (ROA) | 1.3038% | 1,109 |
| Pretax return on assets | 1.6662% | 811 |
| Return on Equity (ROE) | 15.4615% | 804 |
| Retained earnings to average equity (ytd only) | 13.7762% | 385 |
| Net charge-offs to loans | -0.1786% | 4,574 |
| Credit loss provision to net charge-offs | -28.9389% | 3,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3469% | 3,132 |
| Assets per employee ($millions) | 7.6876% | 1,489 |
| Cash dividends to net income (ytd only)* | 10.8997% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,594 |
| Loan loss allowance to noncurrent loans | 342.0267% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 1,942 |
| Noncurrent loans to loans | 0.3565% | 2,079 |
| Net loans and leases to total assets | 75.2275% | 799 |
| Net loans and leases to deposits | 87.0272% | 906 |
| Net loans and leases to core deposits | 89.9831% | 1,122 |
| Total domestic deposits to total assets | 86.4415% | 3,129 |
| Equity capital to assets | 8.4010% | 2,836 |
| Core capital (leverage) ratio | 9.2938% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $475,685,667 | 1,807 |
| Average earning assets | $447,818,000 | 1,793 |
| Average equity | $40,112,667 | 1,986 |
| Average total loans | $348,315,000 | 1,534 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 1,121 |
| Cost of funding earning assets | 0.1922% | 2,910 |
| Net interest margin | 3.5880% | 916 |
| Noninterest income to average assets | 0.7256% | 1,233 |
| Noninterest expense to average assets | 2.8230% | 1,115 |
| Loan and lease loss provision to assets | 0.0751% | 1,100 |
| Net operating income to assets | 0.9547% | 2,056 |
| Return on assets (ROA) | 0.9686% | 2,000 |
| Pretax return on assets | 1.2266% | 1,711 |
| Return on Equity (ROE) | 11.4650% | 1,471 |
| Retained earnings to average equity (ytd only) | 9.9627% | 1,033 |
| Net charge-offs to loans | -0.3489% | 4,673 |
| Credit loss provision to net charge-offs | -30.0000% | 2,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7335% | 2,407 |
| Assets per employee ($millions) | 8.2881% | 1,215 |
| Cash dividends to net income (ytd only)* | 13.1034% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,631 |
| Loan loss allowance to noncurrent loans | 367.8239% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 2,166 |
| Noncurrent loans to loans | 0.3383% | 2,270 |
| Net loans and leases to total assets | 71.7257% | 860 |
| Net loans and leases to deposits | 82.7945% | 956 |
| Net loans and leases to core deposits | 85.4797% | 1,161 |
| Total domestic deposits to total assets | 86.6310% | 3,058 |
| Equity capital to assets | 8.2085% | 3,396 |
| Core capital (leverage) ratio | 8.7275% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,056,500 | 1,800 |
| Average earning assets | $451,499,500 | 1,783 |
| Average equity | $40,471,000 | 2,033 |
| Average total loans | $343,908,000 | 1,538 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 2,025 |
| Cost of funding earning assets | 0.2331% | 3,103 |
| Net interest margin | 3.5003% | 1,732 |
| Noninterest income to average assets | 0.9253% | 1,144 |
| Noninterest expense to average assets | 3.1919% | 741 |
| Loan and lease loss provision to assets | 0.1030% | 1,219 |
| Net operating income to assets | 0.7872% | 3,369 |
| Return on assets (ROA) | 0.7903% | 3,431 |
| Pretax return on assets | 0.9311% | 3,419 |
| Return on Equity (ROE) | 8.9776% | 2,921 |
| Retained earnings to average equity (ytd only) | 7.1514% | 1,862 |
| Net charge-offs to loans | 0.0653% | 1,141 |
| Credit loss provision to net charge-offs | 217.1946% | 1,265 |
| Earnings coverage of net charge-offs (x) | 21.7240% | 1,815 |
| Efficiency ratio | 75.5960% | 1,142 |
| Assets per employee ($millions) | 7.8263% | 1,428 |
| Cash dividends to net income (ytd only)* | 20.3422% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 3,034 |
| Loan loss allowance to noncurrent loans | 353.9839% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 2,388 |
| Noncurrent loans to loans | 0.3298% | 2,407 |
| Net loans and leases to total assets | 70.1138% | 1,031 |
| Net loans and leases to deposits | 81.7250% | 1,086 |
| Net loans and leases to core deposits | 84.2680% | 1,310 |
| Total domestic deposits to total assets | 85.7924% | 2,973 |
| Equity capital to assets | 8.6893% | 3,896 |
| Core capital (leverage) ratio | 8.7594% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $465,924,000 | 1,789 |
| Average earning assets | $438,872,800 | 1,773 |
| Average equity | $41,013,000 | 2,051 |
| Average total loans | $338,480,400 | 1,561 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 2,117 |
| Cost of funding earning assets | 0.2542% | 3,081 |
| Net interest margin | 3.5072% | 1,845 |
| Noninterest income to average assets | 0.8555% | 1,365 |
| Noninterest expense to average assets | 2.9015% | 1,124 |
| Loan and lease loss provision to assets | 0.1037% | 1,166 |
| Net operating income to assets | 0.9437% | 3,110 |
| Return on assets (ROA) | 0.9485% | 3,166 |
| Pretax return on assets | 1.1569% | 3,053 |
| Return on Equity (ROE) | 10.7393% | 2,465 |
| Retained earnings to average equity (ytd only) | 9.2396% | 1,600 |
| Net charge-offs to loans | 0.0528% | 1,127 |
| Credit loss provision to net charge-offs | 268.6567% | 1,055 |
| Earnings coverage of net charge-offs (x) | 32.5224% | 1,483 |
| Efficiency ratio | 69.8095% | 1,622 |
| Assets per employee ($millions) | 8.3966% | 1,091 |
| Cash dividends to net income (ytd only)* | 13.9648% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,170 |
| Loan loss allowance to noncurrent loans | 353.8809% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 2,599 |
| Noncurrent loans to loans | 0.3275% | 2,612 |
| Net loans and leases to total assets | 71.1070% | 971 |
| Net loans and leases to deposits | 82.7710% | 1,046 |
| Net loans and leases to core deposits | 85.3469% | 1,332 |
| Total domestic deposits to total assets | 85.9081% | 2,785 |
| Equity capital to assets | 8.9273% | 3,900 |
| Core capital (leverage) ratio | 8.9448% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,053,750 | 1,819 |
| Average earning assets | $435,810,250 | 1,804 |
| Average equity | $40,895,500 | 2,082 |
| Average total loans | $338,430,250 | 1,591 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 2,093 |
| Cost of funding earning assets | 0.2852% | 2,917 |
| Net interest margin | 3.5064% | 1,842 |
| Noninterest income to average assets | 1.0884% | 941 |
| Noninterest expense to average assets | 2.8480% | 1,258 |
| Loan and lease loss provision to assets | 0.1042% | 1,211 |
| Net operating income to assets | 1.1554% | 2,349 |
| Return on assets (ROA) | 1.1596% | 2,397 |
| Pretax return on assets | 1.4396% | 2,212 |
| Return on Equity (ROE) | 13.1787% | 1,654 |
| Retained earnings to average equity (ytd only) | 11.6591% | 987 |
| Net charge-offs to loans | 0.0567% | 1,051 |
| Credit loss provision to net charge-offs | 250.0000% | 965 |
| Earnings coverage of net charge-offs (x) | 36.9167% | 1,207 |
| Efficiency ratio | 64.9248% | 2,309 |
| Assets per employee ($millions) | 7.7874% | 1,314 |
| Cash dividends to net income (ytd only)* | 11.5313% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,211 |
| Loan loss allowance to noncurrent loans | 320.9030% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 1,798 |
| Noncurrent loans to loans | 0.3572% | 2,617 |
| Net loans and leases to total assets | 70.8344% | 1,106 |
| Net loans and leases to deposits | 82.6125% | 1,162 |
| Net loans and leases to core deposits | 85.2725% | 1,471 |
| Total domestic deposits to total assets | 85.7429% | 2,822 |
| Equity capital to assets | 8.8913% | 3,898 |
| Core capital (leverage) ratio | 8.6885% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,669,333 | 1,817 |
| Average earning assets | $433,316,667 | 1,804 |
| Average equity | $40,535,000 | 2,080 |
| Average total loans | $338,483,333 | 1,599 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 1,812 |
| Cost of funding earning assets | 0.3291% | 2,715 |
| Net interest margin | 3.5801% | 1,634 |
| Noninterest income to average assets | 1.1789% | 877 |
| Noninterest expense to average assets | 2.8020% | 1,364 |
| Loan and lease loss provision to assets | 0.1049% | 1,301 |
| Net operating income to assets | 1.2956% | 1,842 |
| Return on assets (ROA) | 1.3039% | 1,893 |
| Pretax return on assets | 1.6503% | 1,603 |
| Return on Equity (ROE) | 14.8986% | 1,239 |
| Retained earnings to average equity (ytd only) | 13.3398% | 852 |
| Net charge-offs to loans | 0.0635% | 899 |
| Credit loss provision to net charge-offs | 222.2222% | 856 |
| Earnings coverage of net charge-offs (x) | 36.9444% | 1,010 |
| Efficiency ratio | 61.6272% | 2,817 |
| Assets per employee ($millions) | 8.1511% | 1,127 |
| Cash dividends to net income (ytd only)* | 10.4628% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,428 |
| Loan loss allowance to noncurrent loans | 284.7086% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 1,827 |
| Noncurrent loans to loans | 0.3865% | 2,705 |
| Net loans and leases to total assets | 70.2892% | 1,250 |
| Net loans and leases to deposits | 82.3387% | 1,313 |
| Net loans and leases to core deposits | 86.1758% | 1,507 |
| Total domestic deposits to total assets | 85.3659% | 2,973 |
| Equity capital to assets | 8.4146% | 4,186 |
| Core capital (leverage) ratio | 8.7603% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $457,383,000 | 1,818 |
| Average earning assets | $430,264,000 | 1,806 |
| Average equity | $40,030,500 | 2,086 |
| Average total loans | $340,322,000 | 1,595 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 1,678 |
| Cost of funding earning assets | 0.5798% | 2,447 |
| Net interest margin | 3.7855% | 1,542 |
| Noninterest income to average assets | 0.9169% | 1,226 |
| Noninterest expense to average assets | 3.5411% | 655 |
| Loan and lease loss provision to assets | 0.1580% | 2,395 |
| Net operating income to assets | 0.6105% | 3,714 |
| Return on assets (ROA) | 0.6352% | 3,760 |
| Pretax return on assets | 0.7577% | 3,745 |
| Return on Equity (ROE) | 6.6947% | 3,331 |
| Retained earnings to average equity (ytd only) | 4.4247% | 2,581 |
| Net charge-offs to loans | 0.0362% | 2,328 |
| Credit loss provision to net charge-offs | 555.5556% | 1,170 |
| Earnings coverage of net charge-offs (x) | 31.1624% | 1,575 |
| Efficiency ratio | 79.9824% | 894 |
| Assets per employee ($millions) | 6.6747% | 1,798 |
| Cash dividends to net income (ytd only)* | 33.9074% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,505 |
| Loan loss allowance to noncurrent loans | 279.0785% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 1,835 |
| Noncurrent loans to loans | 0.3907% | 2,812 |
| Net loans and leases to total assets | 77.2516% | 671 |
| Net loans and leases to deposits | 92.3799% | 756 |
| Net loans and leases to core deposits | 97.2538% | 1,047 |
| Total domestic deposits to total assets | 83.6238% | 3,231 |
| Equity capital to assets | 9.1261% | 3,950 |
| Core capital (leverage) ratio | 8.8562% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $411,394,000 | 1,825 |
| Average earning assets | $381,512,200 | 1,829 |
| Average equity | $39,030,600 | 2,053 |
| Average total loans | $322,812,000 | 1,598 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 1,906 |
| Cost of funding earning assets | 0.6326% | 2,418 |
| Net interest margin | 3.7440% | 1,784 |
| Noninterest income to average assets | 1.2775% | 666 |
| Noninterest expense to average assets | 3.2930% | 915 |
| Loan and lease loss provision to assets | 0.1742% | 2,241 |
| Net operating income to assets | 1.0225% | 2,245 |
| Return on assets (ROA) | 1.0528% | 2,266 |
| Pretax return on assets | 1.3114% | 2,005 |
| Return on Equity (ROE) | 10.9846% | 1,683 |
| Retained earnings to average equity (ytd only) | 8.7802% | 1,043 |
| Net charge-offs to loans | 0.0381% | 2,085 |
| Credit loss provision to net charge-offs | 582.4176% | 1,175 |
| Earnings coverage of net charge-offs (x) | 48.4176% | 1,216 |
| Efficiency ratio | 69.4622% | 1,966 |
| Assets per employee ($millions) | 7.5704% | 1,175 |
| Cash dividends to net income (ytd only)* | 20.0687% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 3,349 |
| Loan loss allowance to noncurrent loans | 319.7158% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 1,237 |
| Noncurrent loans to loans | 0.3356% | 3,077 |
| Net loans and leases to total assets | 76.9308% | 971 |
| Net loans and leases to deposits | 91.7591% | 1,097 |
| Net loans and leases to core deposits | 96.4333% | 1,419 |
| Total domestic deposits to total assets | 83.8400% | 2,873 |
| Equity capital to assets | 9.3815% | 3,785 |
| Core capital (leverage) ratio | 9.2548% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $405,779,000 | 1,822 |
| Average earning assets | $375,347,500 | 1,827 |
| Average equity | $38,889,750 | 2,051 |
| Average total loans | $318,801,500 | 1,618 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,950 |
| Cost of funding earning assets | 0.6833% | 2,483 |
| Net interest margin | 3.8033% | 1,829 |
| Noninterest income to average assets | 1.2261% | 672 |
| Noninterest expense to average assets | 3.2900% | 1,012 |
| Loan and lease loss provision to assets | 0.1813% | 2,210 |
| Net operating income to assets | 1.0060% | 2,297 |
| Return on assets (ROA) | 1.0443% | 2,302 |
| Pretax return on assets | 1.3087% | 1,999 |
| Return on Equity (ROE) | 10.8136% | 1,699 |
| Retained earnings to average equity (ytd only) | 9.0253% | 1,000 |
| Net charge-offs to loans | 0.0262% | 2,195 |
| Credit loss provision to net charge-offs | 878.0488% | 860 |
| Earnings coverage of net charge-offs (x) | 69.8537% | 879 |
| Efficiency ratio | 69.5254% | 2,013 |
| Assets per employee ($millions) | 6.8131% | 1,552 |
| Cash dividends to net income (ytd only)* | 16.5381% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 3,228 |
| Loan loss allowance to noncurrent loans | 264.6388% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9855% | 1,219 |
| Noncurrent loans to loans | 0.4047% | 2,954 |
| Net loans and leases to total assets | 74.8913% | 1,288 |
| Net loans and leases to deposits | 89.2246% | 1,425 |
| Net loans and leases to core deposits | 96.7573% | 1,520 |
| Total domestic deposits to total assets | 83.9357% | 2,765 |
| Equity capital to assets | 9.2296% | 3,897 |
| Core capital (leverage) ratio | 9.4877% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,201,667 | 1,819 |
| Average earning assets | $366,151,667 | 1,832 |
| Average equity | $38,359,000 | 2,061 |
| Average total loans | $313,213,667 | 1,626 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 1,824 |
| Cost of funding earning assets | 0.7724% | 2,533 |
| Net interest margin | 3.8858% | 1,718 |
| Noninterest income to average assets | 0.9885% | 882 |
| Noninterest expense to average assets | 3.2456% | 1,330 |
| Loan and lease loss provision to assets | 0.2518% | 1,233 |
| Net operating income to assets | 0.8467% | 2,726 |
| Return on assets (ROA) | 0.9014% | 2,623 |
| Pretax return on assets | 1.1396% | 2,395 |
| Return on Equity (ROE) | 9.1067% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.4317% | 1,399 |
| Net charge-offs to loans | -0.0039% | 3,786 |
| Credit loss provision to net charge-offs | -8,000.0000% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0544% | 2,209 |
| Assets per employee ($millions) | 6.2663% | 1,482 |
| Cash dividends to net income (ytd only)* | 18.3935% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,184 |
| Loan loss allowance to noncurrent loans | 238.2085% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 1,150 |
| Noncurrent loans to loans | 0.4633% | 2,861 |
| Net loans and leases to total assets | 79.7956% | 719 |
| Net loans and leases to deposits | 95.7522% | 934 |
| Net loans and leases to core deposits | 104.8922% | 1,125 |
| Total domestic deposits to total assets | 83.3355% | 3,003 |
| Equity capital to assets | 9.9418% | 3,844 |
| Core capital (leverage) ratio | 9.9624% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,189,500 | 1,837 |
| Average earning assets | $351,128,500 | 1,847 |
| Average equity | $37,730,500 | 2,080 |
| Average total loans | $307,354,000 | 1,612 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 2,420 |
| Cost of funding earning assets | 0.8290% | 2,532 |
| Net interest margin | 3.8372% | 2,380 |
| Noninterest income to average assets | 0.9408% | 1,091 |
| Noninterest expense to average assets | 3.5282% | 929 |
| Loan and lease loss provision to assets | 0.1294% | 1,657 |
| Net operating income to assets | 0.6829% | 3,919 |
| Return on assets (ROA) | 0.6871% | 3,971 |
| Pretax return on assets | 0.8330% | 3,913 |
| Return on Equity (ROE) | 7.0647% | 3,532 |
| Retained earnings to average equity (ytd only) | 4.2032% | 2,858 |
| Net charge-offs to loans | 0.0482% | 2,430 |
| Credit loss provision to net charge-offs | 339.1608% | 815 |
| Earnings coverage of net charge-offs (x) | 25.0909% | 1,745 |
| Efficiency ratio | 78.6568% | 1,073 |
| Assets per employee ($millions) | 6.9115% | 1,077 |
| Cash dividends to net income (ytd only)* | 40.5049% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 3,311 |
| Loan loss allowance to noncurrent loans | 210.8739% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 1,044 |
| Noncurrent loans to loans | 0.4894% | 2,719 |
| Net loans and leases to total assets | 79.7425% | 821 |
| Net loans and leases to deposits | 99.7788% | 620 |
| Net loans and leases to core deposits | 109.2443% | 896 |
| Total domestic deposits to total assets | 79.9192% | 3,996 |
| Equity capital to assets | 9.8541% | 4,054 |
| Core capital (leverage) ratio | 9.7042% | 3,839 |
| Tier 1 risk-based capital ratio | 11.6421% | 4,557 |
| Total risk-based capital ratio | 12.6738% | 4,545 |
| Memoranda: | ||
| Average total assets | $374,783,600 | 1,824 |
| Average earning assets | $346,217,000 | 1,829 |
| Average equity | $36,448,800 | 2,075 |
| Average total loans | $296,880,000 | 1,619 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 2,595 |
| Cost of funding earning assets | 0.8357% | 2,533 |
| Net interest margin | 3.8058% | 2,576 |
| Noninterest income to average assets | 1.0111% | 917 |
| Noninterest expense to average assets | 3.4539% | 1,004 |
| Loan and lease loss provision to assets | 0.1303% | 1,485 |
| Net operating income to assets | 0.7661% | 3,787 |
| Return on assets (ROA) | 0.7687% | 3,848 |
| Pretax return on assets | 0.9436% | 3,756 |
| Return on Equity (ROE) | 7.9306% | 3,343 |
| Retained earnings to average equity (ytd only) | 5.1606% | 2,813 |
| Net charge-offs to loans | 0.0158% | 2,837 |
| Credit loss provision to net charge-offs | 1,042.8571% | 335 |
| Earnings coverage of net charge-offs (x) | 85.6775% | 819 |
| Efficiency ratio | 76.3355% | 1,291 |
| Assets per employee ($millions) | 6.6836% | 1,166 |
| Cash dividends to net income (ytd only)* | 34.9280% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,462 |
| Loan loss allowance to noncurrent loans | 373.4282% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 1,276 |
| Noncurrent loans to loans | 0.2728% | 3,565 |
| Net loans and leases to total assets | 78.8900% | 1,006 |
| Net loans and leases to deposits | 99.4197% | 686 |
| Net loans and leases to core deposits | 107.8354% | 1,064 |
| Total domestic deposits to total assets | 79.3505% | 4,108 |
| Equity capital to assets | 9.6249% | 4,359 |
| Core capital (leverage) ratio | 9.8150% | 3,833 |
| Tier 1 risk-based capital ratio | 11.6189% | 4,609 |
| Total risk-based capital ratio | 12.6480% | 4,618 |
| Memoranda: | ||
| Average total assets | $373,445,750 | 1,847 |
| Average earning assets | $344,761,750 | 1,849 |
| Average equity | $36,196,250 | 2,095 |
| Average total loans | $294,527,500 | 1,641 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 2,617 |
| Cost of funding earning assets | 0.8062% | 2,610 |
| Net interest margin | 3.8130% | 2,543 |
| Noninterest income to average assets | 1.0078% | 862 |
| Noninterest expense to average assets | 3.4998% | 960 |
| Loan and lease loss provision to assets | 0.1329% | 1,404 |
| Net operating income to assets | 0.7317% | 3,891 |
| Return on assets (ROA) | 0.7317% | 3,952 |
| Pretax return on assets | 0.8977% | 3,852 |
| Return on Equity (ROE) | 7.5311% | 3,482 |
| Retained earnings to average equity (ytd only) | 4.0977% | 3,197 |
| Net charge-offs to loans | 0.0069% | 2,902 |
| Credit loss provision to net charge-offs | 2,450.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 404 |
| Efficiency ratio | 77.2510% | 1,241 |
| Assets per employee ($millions) | 6.2017% | 1,403 |
| Cash dividends to net income (ytd only)* | 45.5893% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,405 |
| Loan loss allowance to noncurrent loans | 286.3977% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 1,139 |
| Noncurrent loans to loans | 0.3620% | 3,233 |
| Net loans and leases to total assets | 78.3179% | 1,163 |
| Net loans and leases to deposits | 96.7289% | 960 |
| Net loans and leases to core deposits | 105.7007% | 1,261 |
| Total domestic deposits to total assets | 80.9664% | 3,824 |
| Equity capital to assets | 9.8275% | 4,112 |
| Core capital (leverage) ratio | 9.8143% | 3,810 |
| Tier 1 risk-based capital ratio | 11.9317% | 4,459 |
| Total risk-based capital ratio | 12.9767% | 4,460 |
| Memoranda: | ||
| Average total assets | $368,710,670 | 1,877 |
| Average earning assets | $340,628,000 | 1,864 |
| Average equity | $35,824,670 | 2,105 |
| Average total loans | $289,714,670 | 1,662 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 2,651 |
| Cost of funding earning assets | 0.8058% | 2,506 |
| Net interest margin | 3.7586% | 2,674 |
| Noninterest income to average assets | 0.9329% | 961 |
| Noninterest expense to average assets | 3.7077% | 746 |
| Loan and lease loss provision to assets | 0.1362% | 1,272 |
| Net operating income to assets | 0.4708% | 4,597 |
| Return on assets (ROA) | 0.4708% | 4,619 |
| Pretax return on assets | 0.5613% | 4,581 |
| Return on Equity (ROE) | 4.8741% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.2945% | 3,600 |
| Net charge-offs to loans | 0.0209% | 2,035 |
| Credit loss provision to net charge-offs | 833.3333% | 432 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 1,113 |
| Efficiency ratio | 84.1663% | 697 |
| Assets per employee ($millions) | 5.8896% | 1,631 |
| Cash dividends to net income (ytd only)* | 32.4074% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,589 |
| Loan loss allowance to noncurrent loans | 401.7833% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1097% | 1,248 |
| Noncurrent loans to loans | 0.2536% | 3,654 |
| Net loans and leases to total assets | 77.9274% | 1,166 |
| Net loans and leases to deposits | 92.7836% | 1,306 |
| Net loans and leases to core deposits | 102.5032% | 1,412 |
| Total domestic deposits to total assets | 83.9883% | 3,049 |
| Equity capital to assets | 9.8108% | 4,002 |
| Core capital (leverage) ratio | 9.7685% | 3,846 |
| Tier 1 risk-based capital ratio | 12.1526% | 4,378 |
| Total risk-based capital ratio | 13.1881% | 4,391 |
| Memoranda: | ||
| Average total assets | $367,016,000 | 1,892 |
| Average earning assets | $339,059,000 | 1,886 |
| Average equity | $35,453,000 | 2,119 |
| Average total loans | $287,335,000 | 1,683 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 2,998 |
| Cost of funding earning assets | 0.5386% | 3,122 |
| Net interest margin | 3.7928% | 2,684 |
| Noninterest income to average assets | 0.8021% | 1,440 |
| Noninterest expense to average assets | 3.3164% | 1,285 |
| Loan and lease loss provision to assets | 0.1129% | 1,951 |
| Net operating income to assets | 0.7192% | 4,083 |
| Return on assets (ROA) | 0.7032% | 4,135 |
| Pretax return on assets | 0.8433% | 4,059 |
| Return on Equity (ROE) | 7.6192% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.7049% | 2,358 |
| Net charge-offs to loans | 0.1565% | 1,227 |
| Credit loss provision to net charge-offs | 94.8081% | 2,644 |
| Earnings coverage of net charge-offs (x) | 8.1896% | 2,918 |
| Efficiency ratio | 77.2696% | 1,206 |
| Assets per employee ($millions) | 5.7637% | 1,706 |
| Cash dividends to net income (ytd only)* | 25.1243% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 3,800 |
| Loan loss allowance to noncurrent loans | 423.7594% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 1,299 |
| Noncurrent loans to loans | 0.2316% | 3,754 |
| Net loans and leases to total assets | 77.0900% | 1,428 |
| Net loans and leases to deposits | 101.9730% | 594 |
| Net loans and leases to core deposits | 110.0739% | 995 |
| Total domestic deposits to total assets | 75.5984% | 4,798 |
| Equity capital to assets | 9.5103% | 4,121 |
| Core capital (leverage) ratio | 9.4978% | 4,110 |
| Tier 1 risk-based capital ratio | 12.0585% | 4,392 |
| Total risk-based capital ratio | 13.0568% | 4,436 |
| Memoranda: | ||
| Average total assets | $371,883,000 | 1,821 |
| Average earning assets | $342,172,800 | 1,841 |
| Average equity | $34,321,200 | 2,101 |
| Average total loans | $282,996,400 | 1,662 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 3,170 |
| Cost of funding earning assets | 0.4802% | 3,326 |
| Net interest margin | 3.7614% | 2,786 |
| Noninterest income to average assets | 1.0058% | 950 |
| Noninterest expense to average assets | 3.2474% | 1,415 |
| Loan and lease loss provision to assets | 0.0966% | 2,047 |
| Net operating income to assets | 0.9025% | 3,516 |
| Return on assets (ROA) | 0.8874% | 3,593 |
| Pretax return on assets | 1.1038% | 3,384 |
| Return on Equity (ROE) | 9.6878% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.3011% | 1,514 |
| Net charge-offs to loans | 0.1750% | 951 |
| Credit loss provision to net charge-offs | 72.9730% | 2,603 |
| Earnings coverage of net charge-offs (x) | 9.2108% | 2,658 |
| Efficiency ratio | 72.7011% | 1,776 |
| Assets per employee ($millions) | 5.8459% | 1,612 |
| Cash dividends to net income (ytd only)* | 14.3145% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 4,013 |
| Loan loss allowance to noncurrent loans | 432.4921% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2156% | 1,144 |
| Noncurrent loans to loans | 0.2218% | 3,917 |
| Net loans and leases to total assets | 74.4912% | 1,904 |
| Net loans and leases to deposits | 99.9227% | 792 |
| Net loans and leases to core deposits | 107.0115% | 1,229 |
| Total domestic deposits to total assets | 74.5488% | 4,931 |
| Equity capital to assets | 9.1935% | 4,374 |
| Core capital (leverage) ratio | 9.5203% | 4,150 |
| Tier 1 risk-based capital ratio | 12.0683% | 4,464 |
| Total risk-based capital ratio | 13.0370% | 4,500 |
| Memoranda: | ||
| Average total assets | $372,635,250 | 1,830 |
| Average earning assets | $342,876,500 | 1,844 |
| Average equity | $34,131,250 | 2,110 |
| Average total loans | $281,949,750 | 1,680 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 3,186 |
| Cost of funding earning assets | 0.4294% | 3,500 |
| Net interest margin | 3.7465% | 2,763 |
| Noninterest income to average assets | 1.0108% | 936 |
| Noninterest expense to average assets | 3.1941% | 1,544 |
| Loan and lease loss provision to assets | 0.1027% | 1,892 |
| Net operating income to assets | 0.9295% | 3,323 |
| Return on assets (ROA) | 0.9066% | 3,436 |
| Pretax return on assets | 1.1356% | 3,181 |
| Return on Equity (ROE) | 9.9103% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.4633% | 1,421 |
| Net charge-offs to loans | 0.2337% | 683 |
| Credit loss provision to net charge-offs | 57.9268% | 2,442 |
| Earnings coverage of net charge-offs (x) | 7.1494% | 2,571 |
| Efficiency ratio | 71.5999% | 2,068 |
| Assets per employee ($millions) | 5.6406% | 1,765 |
| Cash dividends to net income (ytd only)* | 14.6007% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 4,094 |
| Loan loss allowance to noncurrent loans | 279.3388% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 1,066 |
| Noncurrent loans to loans | 0.3414% | 3,477 |
| Net loans and leases to total assets | 75.4337% | 1,729 |
| Net loans and leases to deposits | 94.7165% | 1,282 |
| Net loans and leases to core deposits | 103.6694% | 1,420 |
| Total domestic deposits to total assets | 79.6415% | 4,321 |
| Equity capital to assets | 9.2427% | 4,341 |
| Core capital (leverage) ratio | 9.3903% | 4,261 |
| Tier 1 risk-based capital ratio | 12.1174% | 4,423 |
| Total risk-based capital ratio | 13.0961% | 4,476 |
| Memoranda: | ||
| Average total assets | $370,185,000 | 1,843 |
| Average earning assets | $340,906,670 | 1,862 |
| Average equity | $33,863,670 | 2,129 |
| Average total loans | $280,667,000 | 1,688 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,301 |
| Cost of funding earning assets | 0.3902% | 3,662 |
| Net interest margin | 3.6902% | 2,839 |
| Noninterest income to average assets | 1.0197% | 880 |
| Noninterest expense to average assets | 3.2920% | 1,361 |
| Loan and lease loss provision to assets | 0.0488% | 2,804 |
| Net operating income to assets | 0.8540% | 3,483 |
| Return on assets (ROA) | 0.8138% | 3,661 |
| Pretax return on assets | 1.0305% | 3,427 |
| Return on Equity (ROE) | 8.9429% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.6330% | 1,978 |
| Net charge-offs to loans | 0.0845% | 1,303 |
| Credit loss provision to net charge-offs | 76.2712% | 1,779 |
| Earnings coverage of net charge-offs (x) | 17.6780% | 1,570 |
| Efficiency ratio | 74.4425% | 1,834 |
| Assets per employee ($millions) | 6.0701% | 1,454 |
| Cash dividends to net income (ytd only)* | 14.6471% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,894 |
| Loan loss allowance to noncurrent loans | 204.7791% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 1,018 |
| Noncurrent loans to loans | 0.4928% | 3,038 |
| Net loans and leases to total assets | 74.9168% | 1,721 |
| Net loans and leases to deposits | 93.9094% | 1,234 |
| Net loans and leases to core deposits | 102.5964% | 1,474 |
| Total domestic deposits to total assets | 79.7756% | 4,450 |
| Equity capital to assets | 9.1148% | 4,442 |
| Core capital (leverage) ratio | 9.3089% | 4,312 |
| Tier 1 risk-based capital ratio | 12.0116% | 4,539 |
| Total risk-based capital ratio | 13.0477% | 4,562 |
| Memoranda: | ||
| Average total assets | $369,136,500 | 1,862 |
| Average earning assets | $340,365,000 | 1,871 |
| Average equity | $33,591,000 | 2,157 |
| Average total loans | $279,235,500 | 1,698 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,297 |
| Cost of funding earning assets | 0.3318% | 3,856 |
| Net interest margin | 3.7004% | 2,800 |
| Noninterest income to average assets | 0.9578% | 1,115 |
| Noninterest expense to average assets | 3.3686% | 1,257 |
| Loan and lease loss provision to assets | 0.0358% | 3,550 |
| Net operating income to assets | 0.6629% | 3,765 |
| Return on assets (ROA) | 0.6633% | 3,803 |
| Pretax return on assets | 0.9451% | 3,756 |
| Return on Equity (ROE) | 7.3382% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.3665% | 1,891 |
| Net charge-offs to loans | 0.0173% | 3,517 |
| Credit loss provision to net charge-offs | 282.6087% | 994 |
| Earnings coverage of net charge-offs (x) | 77.3696% | 792 |
| Efficiency ratio | 77.4576% | 1,429 |
| Assets per employee ($millions) | 5.9355% | 1,559 |
| Cash dividends to net income (ytd only)* | 26.8688% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 3,801 |
| Loan loss allowance to noncurrent loans | 256.4982% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 1,065 |
| Noncurrent loans to loans | 0.3982% | 3,330 |
| Net loans and leases to total assets | 74.8382% | 1,786 |
| Net loans and leases to deposits | 95.6267% | 1,119 |
| Net loans and leases to core deposits | 103.4510% | 1,450 |
| Total domestic deposits to total assets | 78.2608% | 4,675 |
| Equity capital to assets | 9.0848% | 4,636 |
| Core capital (leverage) ratio | 9.0488% | 4,589 |
| Tier 1 risk-based capital ratio | 11.8333% | 4,637 |
| Total risk-based capital ratio | 12.8784% | 4,655 |
| Memoranda: | ||
| Average total assets | $363,023,800 | 1,853 |
| Average earning assets | $332,692,400 | 1,879 |
| Average equity | $32,814,600 | 2,180 |
| Average total loans | $265,603,000 | 1,734 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 3,409 |
| Cost of funding earning assets | 0.3243% | 3,900 |
| Net interest margin | 3.6589% | 2,919 |
| Noninterest income to average assets | 0.9998% | 1,025 |
| Noninterest expense to average assets | 3.3297% | 1,283 |
| Loan and lease loss provision to assets | 0.0498% | 3,099 |
| Net operating income to assets | 0.6745% | 4,104 |
| Return on assets (ROA) | 0.6748% | 4,161 |
| Pretax return on assets | 0.9682% | 3,806 |
| Return on Equity (ROE) | 7.4747% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.9806% | 2,250 |
| Net charge-offs to loans | 0.0864% | 1,932 |
| Credit loss provision to net charge-offs | 79.4118% | 2,592 |
| Earnings coverage of net charge-offs (x) | 16.2412% | 2,175 |
| Efficiency ratio | 76.5938% | 1,512 |
| Assets per employee ($millions) | 6.0395% | 1,464 |
| Cash dividends to net income (ytd only)* | 19.9892% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 4,126 |
| Loan loss allowance to noncurrent loans | 338.6816% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 1,101 |
| Noncurrent loans to loans | 0.2918% | 3,897 |
| Net loans and leases to total assets | 74.0543% | 1,905 |
| Net loans and leases to deposits | 94.2756% | 1,269 |
| Net loans and leases to core deposits | 102.3119% | 1,523 |
| Total domestic deposits to total assets | 78.5509% | 4,619 |
| Equity capital to assets | 9.0961% | 4,823 |
| Core capital (leverage) ratio | 9.0057% | 4,727 |
| Tier 1 risk-based capital ratio | 11.8798% | 4,710 |
| Total risk-based capital ratio | 12.8959% | 4,742 |
| Memoranda: | ||
| Average total assets | $361,780,250 | 1,874 |
| Average earning assets | $330,982,250 | 1,896 |
| Average equity | $32,660,250 | 2,204 |
| Average total loans | $262,442,500 | 1,758 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 3,487 |
| Cost of funding earning assets | 0.3034% | 4,047 |
| Net interest margin | 3.6168% | 2,968 |
| Noninterest income to average assets | 1.0112% | 996 |
| Noninterest expense to average assets | 3.2572% | 1,454 |
| Loan and lease loss provision to assets | 0.0501% | 2,987 |
| Net operating income to assets | 0.6991% | 3,859 |
| Return on assets (ROA) | 0.7003% | 3,912 |
| Pretax return on assets | 1.0073% | 3,543 |
| Return on Equity (ROE) | 7.7772% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.2267% | 2,002 |
| Net charge-offs to loans | -0.0155% | 4,678 |
| Credit loss provision to net charge-offs | -450.0000% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5223% | 1,797 |
| Assets per employee ($millions) | 6.1370% | 1,367 |
| Cash dividends to net income (ytd only)* | 19.9365% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 3,716 |
| Loan loss allowance to noncurrent loans | 392.3393% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 1.3875% | 1,136 |
| Noncurrent loans to loans | 0.2739% | 4,064 |
| Net loans and leases to total assets | 71.6972% | 2,250 |
| Net loans and leases to deposits | 93.3582% | 1,324 |
| Net loans and leases to core deposits | 100.4035% | 1,621 |
| Total domestic deposits to total assets | 76.7980% | 4,989 |
| Equity capital to assets | 8.9949% | 4,910 |
| Core capital (leverage) ratio | 9.0237% | 4,694 |
| Tier 1 risk-based capital ratio | 12.0638% | 4,596 |
| Total risk-based capital ratio | 13.1633% | 4,587 |
| Memoranda: | ||
| Average total assets | $359,569,670 | 1,887 |
| Average earning assets | $328,248,000 | 1,916 |
| Average equity | $32,376,670 | 2,208 |
| Average total loans | $258,115,670 | 1,775 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8465% | 3,592 |
| Cost of funding earning assets | 0.2799% | 4,259 |
| Net interest margin | 3.5666% | 3,023 |
| Noninterest income to average assets | 0.9537% | 1,097 |
| Noninterest expense to average assets | 3.3656% | 1,259 |
| Loan and lease loss provision to assets | 0.0507% | 2,794 |
| Net operating income to assets | 0.5686% | 4,288 |
| Return on assets (ROA) | 0.5686% | 4,332 |
| Pretax return on assets | 0.7938% | 4,127 |
| Return on Equity (ROE) | 6.3116% | 3,761 |
| Retained earnings to average equity (ytd only) | 4.8743% | 2,968 |
| Net charge-offs to loans | 0.0552% | 1,782 |
| Credit loss provision to net charge-offs | 128.5714% | 1,323 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,444 |
| Efficiency ratio | 79.9412% | 1,389 |
| Assets per employee ($millions) | 5.6089% | 1,799 |
| Cash dividends to net income (ytd only)* | 22.7723% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,846 |
| Loan loss allowance to noncurrent loans | 302.5137% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5274% | 1,037 |
| Noncurrent loans to loans | 0.3559% | 3,817 |
| Net loans and leases to total assets | 70.8436% | 2,244 |
| Net loans and leases to deposits | 91.1566% | 1,411 |
| Net loans and leases to core deposits | 97.7228% | 1,680 |
| Total domestic deposits to total assets | 77.7163% | 5,005 |
| Equity capital to assets | 8.9875% | 4,813 |
| Core capital (leverage) ratio | 9.0979% | 4,623 |
| Tier 1 risk-based capital ratio | 12.1601% | 4,612 |
| Total risk-based capital ratio | 13.2513% | 4,611 |
| Memoranda: | ||
| Average total assets | $355,245,500 | 1,915 |
| Average earning assets | $324,345,000 | 1,941 |
| Average equity | $32,004,500 | 2,238 |
| Average total loans | $253,738,500 | 1,813 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 3,525 |
| Cost of funding earning assets | 0.2382% | 4,672 |
| Net interest margin | 3.6757% | 2,799 |
| Noninterest income to average assets | 1.1034% | 941 |
| Noninterest expense to average assets | 3.6358% | 965 |
| Loan and lease loss provision to assets | -0.0263% | 5,531 |
| Net operating income to assets | 0.6240% | 4,107 |
| Return on assets (ROA) | 0.6434% | 4,138 |
| Pretax return on assets | 0.8810% | 3,909 |
| Return on Equity (ROE) | 6.9764% | 3,479 |
| Retained earnings to average equity (ytd only) | 5.0266% | 2,330 |
| Net charge-offs to loans | 0.0909% | 2,399 |
| Credit loss provision to net charge-offs | -40.9091% | 4,805 |
| Earnings coverage of net charge-offs (x) | 12.8955% | 2,411 |
| Efficiency ratio | 81.4478% | 1,265 |
| Assets per employee ($millions) | 5.6697% | 1,721 |
| Cash dividends to net income (ytd only)* | 27.9492% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 3,707 |
| Loan loss allowance to noncurrent loans | 532.4324% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 1.4531% | 1,168 |
| Noncurrent loans to loans | 0.2069% | 4,416 |
| Net loans and leases to total assets | 70.4492% | 2,411 |
| Net loans and leases to deposits | 89.8352% | 1,707 |
| Net loans and leases to core deposits | 96.4065% | 1,888 |
| Total domestic deposits to total assets | 78.4205% | 4,913 |
| Equity capital to assets | 9.0312% | 4,782 |
| Core capital (leverage) ratio | 9.2043% | 4,471 |
| Tier 1 risk-based capital ratio | 12.1686% | 4,603 |
| Total risk-based capital ratio | 13.2707% | 4,597 |
| Memoranda: | ||
| Average total assets | $342,569,000 | 1,937 |
| Average earning assets | $313,191,400 | 1,957 |
| Average equity | $31,592,000 | 2,249 |
| Average total loans | $241,986,000 | 1,836 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 3,523 |
| Cost of funding earning assets | 0.2398% | 4,708 |
| Net interest margin | 3.6789% | 2,795 |
| Noninterest income to average assets | 1.1322% | 898 |
| Noninterest expense to average assets | 3.6258% | 959 |
| Loan and lease loss provision to assets | -0.0525% | 5,721 |
| Net operating income to assets | 0.6684% | 4,006 |
| Return on assets (ROA) | 0.6895% | 4,041 |
| Pretax return on assets | 0.9536% | 3,801 |
| Return on Equity (ROE) | 7.4370% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.8946% | 2,244 |
| Net charge-offs to loans | 0.1006% | 1,941 |
| Credit loss provision to net charge-offs | -74.0331% | 4,720 |
| Earnings coverage of net charge-offs (x) | 12.2927% | 2,402 |
| Efficiency ratio | 80.6185% | 1,356 |
| Assets per employee ($millions) | 5.3204% | 2,029 |
| Cash dividends to net income (ytd only)* | 20.7384% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,704 |
| Loan loss allowance to noncurrent loans | 583.2627% | 937 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 1,230 |
| Noncurrent loans to loans | 0.1928% | 4,577 |
| Net loans and leases to total assets | 70.0008% | 2,486 |
| Net loans and leases to deposits | 89.1781% | 1,859 |
| Net loans and leases to core deposits | 95.7289% | 2,023 |
| Total domestic deposits to total assets | 78.4954% | 4,820 |
| Equity capital to assets | 9.3517% | 4,819 |
| Core capital (leverage) ratio | 9.1973% | 4,594 |
| Tier 1 risk-based capital ratio | 12.2853% | 4,619 |
| Total risk-based capital ratio | 13.4028% | 4,603 |
| Memoranda: | ||
| Average total assets | $340,330,250 | 1,948 |
| Average earning assets | $311,317,750 | 1,970 |
| Average equity | $31,553,250 | 2,267 |
| Average total loans | $239,881,500 | 1,855 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9470% | 3,438 |
| Cost of funding earning assets | 0.2394% | 4,759 |
| Net interest margin | 3.7075% | 2,668 |
| Noninterest income to average assets | 1.0730% | 972 |
| Noninterest expense to average assets | 3.5256% | 1,119 |
| Loan and lease loss provision to assets | -0.1064% | 5,882 |
| Net operating income to assets | 0.7497% | 3,548 |
| Return on assets (ROA) | 0.7646% | 3,621 |
| Pretax return on assets | 1.0688% | 3,330 |
| Return on Equity (ROE) | 8.2708% | 2,851 |
| Retained earnings to average equity (ytd only) | 6.6729% | 1,775 |
| Net charge-offs to loans | 0.1007% | 1,825 |
| Credit loss provision to net charge-offs | -150.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | 13.2833% | 2,139 |
| Efficiency ratio | 78.9181% | 1,653 |
| Assets per employee ($millions) | 5.4573% | 1,834 |
| Cash dividends to net income (ytd only)* | 19.3199% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 3,714 |
| Loan loss allowance to noncurrent loans | 483.9161% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 1.5087% | 1,264 |
| Noncurrent loans to loans | 0.2357% | 4,500 |
| Net loans and leases to total assets | 69.7923% | 2,511 |
| Net loans and leases to deposits | 87.8837% | 2,012 |
| Net loans and leases to core deposits | 93.4146% | 2,218 |
| Total domestic deposits to total assets | 79.4144% | 4,691 |
| Equity capital to assets | 9.3245% | 4,948 |
| Core capital (leverage) ratio | 9.1998% | 4,594 |
| Tier 1 risk-based capital ratio | 12.2056% | 4,699 |
| Total risk-based capital ratio | 13.3342% | 4,694 |
| Memoranda: | ||
| Average total assets | $338,497,330 | 1,970 |
| Average earning assets | $309,909,670 | 1,987 |
| Average equity | $31,290,670 | 2,288 |
| Average total loans | $238,230,000 | 1,865 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 3,915 |
| Cost of funding earning assets | 0.2423% | 4,780 |
| Net interest margin | 3.5659% | 3,220 |
| Noninterest income to average assets | 0.4002% | 3,829 |
| Noninterest expense to average assets | 3.3004% | 1,603 |
| Loan and lease loss provision to assets | -0.3216% | 6,056 |
| Net operating income to assets | 0.5071% | 4,601 |
| Return on assets (ROA) | 0.5300% | 4,611 |
| Pretax return on assets | 0.7122% | 4,487 |
| Return on Equity (ROE) | 5.7593% | 4,098 |
| Retained earnings to average equity (ytd only) | 4.2709% | 3,343 |
| Net charge-offs to loans | 0.1407% | 1,266 |
| Credit loss provision to net charge-offs | -325.3012% | 4,449 |
| Earnings coverage of net charge-offs (x) | 3.6386% | 2,517 |
| Efficiency ratio | 90.1725% | 666 |
| Assets per employee ($millions) | 5.1642% | 2,176 |
| Cash dividends to net income (ytd only)* | 25.8427% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 3,809 |
| Loan loss allowance to noncurrent loans | 163.7515% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.7595% | 1,069 |
| Noncurrent loans to loans | 0.6985% | 3,096 |
| Net loans and leases to total assets | 69.9051% | 2,355 |
| Net loans and leases to deposits | 86.5877% | 2,006 |
| Net loans and leases to core deposits | 91.7229% | 2,210 |
| Total domestic deposits to total assets | 80.7332% | 4,574 |
| Equity capital to assets | 9.2999% | 4,887 |
| Core capital (leverage) ratio | 9.1185% | 4,710 |
| Tier 1 risk-based capital ratio | 12.0725% | 4,870 |
| Total risk-based capital ratio | 13.1938% | 4,863 |
| Memoranda: | ||
| Average total assets | $335,839,500 | 1,995 |
| Average earning assets | $307,017,000 | 2,014 |
| Average equity | $30,906,500 | 2,310 |
| Average total loans | $235,983,500 | 1,875 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 3,651 |
| Cost of funding earning assets | 0.2276% | 5,031 |
| Net interest margin | 3.6878% | 2,791 |
| Noninterest income to average assets | 1.1442% | 901 |
| Noninterest expense to average assets | 3.7148% | 960 |
| Loan and lease loss provision to assets | 0.1686% | 1,361 |
| Net operating income to assets | 0.4391% | 4,916 |
| Return on assets (ROA) | 0.4527% | 4,958 |
| Pretax return on assets | 0.6219% | 4,775 |
| Return on Equity (ROE) | 4.8715% | 4,569 |
| Retained earnings to average equity (ytd only) | 2.8662% | 4,023 |
| Net charge-offs to loans | 0.1760% | 1,630 |
| Credit loss provision to net charge-offs | 141.3882% | 1,860 |
| Earnings coverage of net charge-offs (x) | 6.4730% | 3,218 |
| Efficiency ratio | 82.7982% | 1,296 |
| Assets per employee ($millions) | 5.0910% | 2,259 |
| Cash dividends to net income (ytd only)* | 41.1645% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,855 |
| Loan loss allowance to noncurrent loans | 178.4759% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 2.0779% | 834 |
| Noncurrent loans to loans | 0.7327% | 2,985 |
| Net loans and leases to total assets | 68.9070% | 2,559 |
| Net loans and leases to deposits | 87.5533% | 1,930 |
| Net loans and leases to core deposits | 92.6885% | 2,160 |
| Total domestic deposits to total assets | 78.7029% | 5,031 |
| Equity capital to assets | 9.1057% | 5,014 |
| Core capital (leverage) ratio | 9.0113% | 4,868 |
| Tier 1 risk-based capital ratio | 11.7731% | 5,094 |
| Total risk-based capital ratio | 13.0158% | 5,013 |
| Memoranda: | ||
| Average total assets | $326,265,800 | 2,015 |
| Average earning assets | $295,706,200 | 2,044 |
| Average equity | $30,319,000 | 2,298 |
| Average total loans | $220,998,400 | 1,921 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 3,647 |
| Cost of funding earning assets | 0.2252% | 5,133 |
| Net interest margin | 3.7017% | 2,762 |
| Noninterest income to average assets | 1.1561% | 892 |
| Noninterest expense to average assets | 3.6179% | 1,091 |
| Loan and lease loss provision to assets | 0.1647% | 1,290 |
| Net operating income to assets | 0.5142% | 4,740 |
| Return on assets (ROA) | 0.5291% | 4,778 |
| Pretax return on assets | 0.7444% | 4,522 |
| Return on Equity (ROE) | 5.6638% | 4,325 |
| Retained earnings to average equity (ytd only) | 3.9096% | 3,682 |
| Net charge-offs to loans | 0.2243% | 1,164 |
| Credit loss provision to net charge-offs | 109.2896% | 2,124 |
| Earnings coverage of net charge-offs (x) | 5.8934% | 3,137 |
| Efficiency ratio | 80.2906% | 1,619 |
| Assets per employee ($millions) | 4.9415% | 2,370 |
| Cash dividends to net income (ytd only)* | 30.9726% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 3,235 |
| Loan loss allowance to noncurrent loans | 162.8461% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 2.2293% | 846 |
| Noncurrent loans to loans | 0.7824% | 3,007 |
| Net loans and leases to total assets | 67.8143% | 2,704 |
| Net loans and leases to deposits | 85.7736% | 2,168 |
| Net loans and leases to core deposits | 91.9028% | 2,275 |
| Total domestic deposits to total assets | 79.0620% | 4,960 |
| Equity capital to assets | 9.1788% | 5,138 |
| Core capital (leverage) ratio | 9.1475% | 4,811 |
| Tier 1 risk-based capital ratio | 11.9323% | 5,119 |
| Total risk-based capital ratio | 13.1410% | 5,067 |
| Memoranda: | ||
| Average total assets | $323,830,250 | 2,040 |
| Average earning assets | $293,050,000 | 2,071 |
| Average equity | $30,249,750 | 2,316 |
| Average total loans | $217,597,750 | 1,946 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,511 |
| Cost of funding earning assets | 0.2204% | 5,250 |
| Net interest margin | 3.7250% | 2,600 |
| Noninterest income to average assets | 1.1927% | 851 |
| Noninterest expense to average assets | 3.6758% | 1,018 |
| Loan and lease loss provision to assets | 0.1876% | 1,070 |
| Net operating income to assets | 0.4927% | 4,806 |
| Return on assets (ROA) | 0.5154% | 4,805 |
| Pretax return on assets | 0.7230% | 4,588 |
| Return on Equity (ROE) | 5.4838% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.6004% | 3,735 |
| Net charge-offs to loans | 0.1679% | 1,462 |
| Credit loss provision to net charge-offs | 167.5978% | 1,423 |
| Earnings coverage of net charge-offs (x) | 7.8492% | 2,620 |
| Efficiency ratio | 80.7059% | 1,660 |
| Assets per employee ($millions) | 4.7826% | 2,568 |
| Cash dividends to net income (ytd only)* | 34.3447% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 2,880 |
| Loan loss allowance to noncurrent loans | 136.1511% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 2.4473% | 782 |
| Noncurrent loans to loans | 1.0090% | 2,628 |
| Net loans and leases to total assets | 66.8415% | 2,809 |
| Net loans and leases to deposits | 82.4200% | 2,504 |
| Net loans and leases to core deposits | 86.3748% | 2,729 |
| Total domestic deposits to total assets | 81.0986% | 4,584 |
| Equity capital to assets | 9.2756% | 4,929 |
| Core capital (leverage) ratio | 9.3871% | 4,442 |
| Tier 1 risk-based capital ratio | 12.2908% | 4,941 |
| Total risk-based capital ratio | 13.5413% | 4,845 |
| Memoranda: | ||
| Average total assets | $319,765,330 | 2,076 |
| Average earning assets | $288,589,670 | 2,112 |
| Average equity | $30,052,000 | 2,335 |
| Average total loans | $213,192,330 | 1,986 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 3,777 |
| Cost of funding earning assets | 0.2195% | 5,321 |
| Net interest margin | 3.6426% | 2,845 |
| Noninterest income to average assets | 1.1254% | 887 |
| Noninterest expense to average assets | 3.5012% | 1,307 |
| Loan and lease loss provision to assets | 0.1893% | 993 |
| Net operating income to assets | 0.5150% | 4,596 |
| Return on assets (ROA) | 0.5185% | 4,710 |
| Pretax return on assets | 0.7267% | 4,517 |
| Return on Equity (ROE) | 5.4809% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.5073% | 3,893 |
| Net charge-offs to loans | 0.0840% | 1,873 |
| Credit loss provision to net charge-offs | 340.9091% | 741 |
| Earnings coverage of net charge-offs (x) | 16.4091% | 1,569 |
| Efficiency ratio | 79.3537% | 1,978 |
| Assets per employee ($millions) | 4.7160% | 2,741 |
| Cash dividends to net income (ytd only)* | 36.0097% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 2,792 |
| Loan loss allowance to noncurrent loans | 118.0643% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 2.5810% | 817 |
| Noncurrent loans to loans | 1.2102% | 2,350 |
| Net loans and leases to total assets | 64.8194% | 2,970 |
| Net loans and leases to deposits | 79.1417% | 2,665 |
| Net loans and leases to core deposits | 81.7969% | 2,981 |
| Total domestic deposits to total assets | 81.9030% | 4,537 |
| Equity capital to assets | 9.4525% | 4,801 |
| Core capital (leverage) ratio | 9.4617% | 4,333 |
| Tier 1 risk-based capital ratio | 12.5929% | 4,840 |
| Total risk-based capital ratio | 13.8437% | 4,760 |
| Memoranda: | ||
| Average total assets | $317,038,000 | 2,103 |
| Average earning assets | $286,058,500 | 2,133 |
| Average equity | $29,995,000 | 2,355 |
| Average total loans | $209,583,500 | 2,016 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,150 |
| Cost of funding earning assets | 0.2297% | 5,528 |
| Net interest margin | 3.6610% | 3,175 |
| Noninterest income to average assets | 1.0678% | 1,065 |
| Noninterest expense to average assets | 3.2517% | 2,073 |
| Loan and lease loss provision to assets | 0.2190% | 1,122 |
| Net operating income to assets | 0.6715% | 4,027 |
| Return on assets (ROA) | 0.7255% | 3,871 |
| Pretax return on assets | 0.9915% | 3,530 |
| Return on Equity (ROE) | 7.7084% | 3,268 |
| Retained earnings to average equity (ytd only) | 5.8537% | 2,019 |
| Net charge-offs to loans | 0.6654% | 576 |
| Credit loss provision to net charge-offs | 50.2606% | 3,473 |
| Earnings coverage of net charge-offs (x) | 2.6083% | 4,108 |
| Efficiency ratio | 74.0998% | 2,815 |
| Assets per employee ($millions) | 4.8967% | 2,460 |
| Cash dividends to net income (ytd only)* | 24.0608% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 2,970 |
| Loan loss allowance to noncurrent loans | 156.2903% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 2.4203% | 960 |
| Noncurrent loans to loans | 0.8930% | 3,084 |
| Net loans and leases to total assets | 65.5351% | 2,974 |
| Net loans and leases to deposits | 81.4692% | 2,547 |
| Net loans and leases to core deposits | 84.0422% | 2,897 |
| Total domestic deposits to total assets | 80.4415% | 4,897 |
| Equity capital to assets | 9.4697% | 4,751 |
| Core capital (leverage) ratio | 9.5147% | 4,221 |
| Tier 1 risk-based capital ratio | 13.6317% | 4,335 |
| Total risk-based capital ratio | 14.8837% | 4,268 |
| Memoranda: | ||
| Average total assets | $308,204,400 | 2,112 |
| Average earning assets | $279,537,400 | 2,135 |
| Average equity | $29,007,400 | 2,345 |
| Average total loans | $201,829,600 | 2,022 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 4,212 |
| Cost of funding earning assets | 0.2356% | 5,549 |
| Net interest margin | 3.6530% | 3,211 |
| Noninterest income to average assets | 1.1469% | 911 |
| Noninterest expense to average assets | 2.9181% | 3,059 |
| Loan and lease loss provision to assets | 0.2932% | 677 |
| Net operating income to assets | 0.8761% | 3,041 |
| Return on assets (ROA) | 0.9436% | 2,805 |
| Pretax return on assets | 1.3467% | 2,209 |
| Return on Equity (ROE) | 10.0414% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.4418% | 1,172 |
| Net charge-offs to loans | 1.1108% | 262 |
| Credit loss provision to net charge-offs | 40.4676% | 3,281 |
| Earnings coverage of net charge-offs (x) | 2.1301% | 3,988 |
| Efficiency ratio | 65.4041% | 4,310 |
| Assets per employee ($millions) | 4.9532% | 2,294 |
| Cash dividends to net income (ytd only)* | 15.9299% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 3,855 |
| Loan loss allowance to noncurrent loans | 148.7608% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 2.5067% | 1,048 |
| Noncurrent loans to loans | 0.8499% | 3,441 |
| Net loans and leases to total assets | 65.6371% | 2,931 |
| Net loans and leases to deposits | 79.9991% | 2,690 |
| Net loans and leases to core deposits | 82.4127% | 3,061 |
| Total domestic deposits to total assets | 82.0473% | 4,461 |
| Equity capital to assets | 9.6918% | 4,560 |
| Core capital (leverage) ratio | 9.6078% | 4,228 |
| Tier 1 risk-based capital ratio | 13.9487% | 4,253 |
| Total risk-based capital ratio | 15.1992% | 4,196 |
| Memoranda: | ||
| Average total assets | $306,908,500 | 2,129 |
| Average earning assets | $278,488,500 | 2,156 |
| Average equity | $28,840,000 | 2,365 |
| Average total loans | $200,215,500 | 2,049 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,952 |
| Cost of funding earning assets | 0.2415% | 5,570 |
| Net interest margin | 3.7029% | 2,953 |
| Noninterest income to average assets | 1.1243% | 935 |
| Noninterest expense to average assets | 2.6548% | 4,033 |
| Loan and lease loss provision to assets | 0.2249% | 1,026 |
| Net operating income to assets | 1.1007% | 1,937 |
| Return on assets (ROA) | 1.1628% | 1,783 |
| Pretax return on assets | 1.7044% | 1,010 |
| Return on Equity (ROE) | 12.5051% | 1,306 |
| Retained earnings to average equity (ytd only) | 10.8859% | 554 |
| Net charge-offs to loans | 0.0865% | 2,828 |
| Credit loss provision to net charge-offs | 401.1628% | 693 |
| Earnings coverage of net charge-offs (x) | 32.7907% | 1,191 |
| Efficiency ratio | 59.0889% | 5,416 |
| Assets per employee ($millions) | 4.7557% | 2,538 |
| Cash dividends to net income (ytd only)* | 12.9484% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 1,579 |
| Loan loss allowance to noncurrent loans | 242.5047% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 2.3056% | 1,289 |
| Noncurrent loans to loans | 0.7855% | 3,735 |
| Net loans and leases to total assets | 63.8734% | 3,088 |
| Net loans and leases to deposits | 75.6547% | 3,106 |
| Net loans and leases to core deposits | 78.1615% | 3,424 |
| Total domestic deposits to total assets | 84.4275% | 3,760 |
| Equity capital to assets | 9.5409% | 4,701 |
| Core capital (leverage) ratio | 9.5440% | 4,260 |
| Tier 1 risk-based capital ratio | 14.0821% | 4,208 |
| Total risk-based capital ratio | 15.3404% | 4,129 |
| Memoranda: | ||
| Average total assets | $306,846,000 | 2,129 |
| Average earning assets | $279,133,670 | 2,146 |
| Average equity | $28,532,330 | 2,371 |
| Average total loans | $198,904,000 | 2,058 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 4,206 |
| Cost of funding earning assets | 0.2485% | 5,592 |
| Net interest margin | 3.6232% | 3,164 |
| Noninterest income to average assets | 1.0638% | 987 |
| Noninterest expense to average assets | 1.8619% | 6,128 |
| Loan and lease loss provision to assets | 0.2355% | 940 |
| Net operating income to assets | 1.5166% | 786 |
| Return on assets (ROA) | 1.6107% | 683 |
| Pretax return on assets | 2.4285% | 254 |
| Return on Equity (ROE) | 17.5531% | 474 |
| Retained earnings to average equity (ytd only) | 15.9133% | 271 |
| Net charge-offs to loans | 0.0728% | 2,420 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 53.5278% | 719 |
| Efficiency ratio | 42.4776% | 6,536 |
| Assets per employee ($millions) | 4.7477% | 2,601 |
| Cash dividends to net income (ytd only)* | 9.3420% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 1,846 |
| Loan loss allowance to noncurrent loans | 259.8882% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 2.2589% | 1,459 |
| Noncurrent loans to loans | 0.7191% | 4,069 |
| Net loans and leases to total assets | 63.2774% | 3,018 |
| Net loans and leases to deposits | 75.8792% | 2,822 |
| Net loans and leases to core deposits | 78.1141% | 3,192 |
| Total domestic deposits to total assets | 83.3923% | 4,479 |
| Equity capital to assets | 9.3346% | 4,719 |
| Core capital (leverage) ratio | 9.4827% | 4,310 |
| Tier 1 risk-based capital ratio | 14.1001% | 4,264 |
| Total risk-based capital ratio | 15.3581% | 4,208 |
| Memoranda: | ||
| Average total assets | $305,708,500 | 2,143 |
| Average earning assets | $280,083,500 | 2,147 |
| Average equity | $28,052,000 | 2,404 |
| Average total loans | $197,716,000 | 2,073 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 4,156 |
| Cost of funding earning assets | 0.3129% | 5,489 |
| Net interest margin | 3.6662% | 3,191 |
| Noninterest income to average assets | 1.2321% | 920 |
| Noninterest expense to average assets | 3.6560% | 1,359 |
| Loan and lease loss provision to assets | 0.3456% | 920 |
| Net operating income to assets | 0.4119% | 5,108 |
| Return on assets (ROA) | 0.4397% | 5,117 |
| Pretax return on assets | 0.6157% | 4,821 |
| Return on Equity (ROE) | 4.6956% | 4,781 |
| Retained earnings to average equity (ytd only) | 3.0392% | 4,067 |
| Net charge-offs to loans | 0.5680% | 1,156 |
| Credit loss provision to net charge-offs | 95.6157% | 2,618 |
| Earnings coverage of net charge-offs (x) | 2.5513% | 4,159 |
| Efficiency ratio | 79.8556% | 2,170 |
| Assets per employee ($millions) | 4.5881% | 2,740 |
| Cash dividends to net income (ytd only)* | 35.2761% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 2,007 |
| Loan loss allowance to noncurrent loans | 202.0916% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 2.4137% | 1,436 |
| Noncurrent loans to loans | 0.9005% | 3,735 |
| Net loans and leases to total assets | 63.6899% | 3,098 |
| Net loans and leases to deposits | 77.9820% | 2,722 |
| Net loans and leases to core deposits | 80.2695% | 3,101 |
| Total domestic deposits to total assets | 81.6726% | 4,983 |
| Equity capital to assets | 9.0144% | 5,024 |
| Core capital (leverage) ratio | 9.2491% | 4,637 |
| Tier 1 risk-based capital ratio | 13.5762% | 4,593 |
| Total risk-based capital ratio | 14.8333% | 4,539 |
| Memoranda: | ||
| Average total assets | $296,556,400 | 2,162 |
| Average earning assets | $270,658,600 | 2,172 |
| Average equity | $27,770,400 | 2,396 |
| Average total loans | $188,739,200 | 2,113 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 4,249 |
| Cost of funding earning assets | 0.3320% | 5,451 |
| Net interest margin | 3.6360% | 3,297 |
| Noninterest income to average assets | 1.2764% | 900 |
| Noninterest expense to average assets | 3.5914% | 1,416 |
| Loan and lease loss provision to assets | 0.3616% | 878 |
| Net operating income to assets | 0.4579% | 4,994 |
| Return on assets (ROA) | 0.4881% | 5,004 |
| Pretax return on assets | 0.6820% | 4,741 |
| Return on Equity (ROE) | 5.1632% | 4,645 |
| Retained earnings to average equity (ytd only) | 3.5139% | 4,192 |
| Net charge-offs to loans | 0.3740% | 1,704 |
| Credit loss provision to net charge-offs | 152.6718% | 1,543 |
| Earnings coverage of net charge-offs (x) | 4.2290% | 3,495 |
| Efficiency ratio | 78.1933% | 2,391 |
| Assets per employee ($millions) | 4.4011% | 3,047 |
| Cash dividends to net income (ytd only)* | 31.9446% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0334% | 1,644 |
| Loan loss allowance to noncurrent loans | 112.5939% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 3.2465% | 1,091 |
| Noncurrent loans to loans | 1.8059% | 2,489 |
| Net loans and leases to total assets | 62.7533% | 3,209 |
| Net loans and leases to deposits | 74.9671% | 3,093 |
| Net loans and leases to core deposits | 77.1556% | 3,477 |
| Total domestic deposits to total assets | 83.7078% | 4,313 |
| Equity capital to assets | 9.1345% | 5,011 |
| Core capital (leverage) ratio | 9.3557% | 4,599 |
| Tier 1 risk-based capital ratio | 13.8577% | 4,528 |
| Total risk-based capital ratio | 15.1173% | 4,480 |
| Memoranda: | ||
| Average total assets | $294,992,000 | 2,189 |
| Average earning assets | $269,078,000 | 2,196 |
| Average equity | $27,888,750 | 2,419 |
| Average total loans | $186,814,750 | 2,133 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 4,173 |
| Cost of funding earning assets | 0.3520% | 5,388 |
| Net interest margin | 3.6313% | 3,240 |
| Noninterest income to average assets | 1.2174% | 1,037 |
| Noninterest expense to average assets | 3.6230% | 1,376 |
| Loan and lease loss provision to assets | 0.3917% | 808 |
| Net operating income to assets | 0.3890% | 5,253 |
| Return on assets (ROA) | 0.4319% | 5,255 |
| Pretax return on assets | 0.5695% | 5,134 |
| Return on Equity (ROE) | 4.5168% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.8782% | 4,480 |
| Net charge-offs to loans | 0.4180% | 1,545 |
| Credit loss provision to net charge-offs | 148.5788% | 1,551 |
| Earnings coverage of net charge-offs (x) | 3.4315% | 3,386 |
| Efficiency ratio | 80.0181% | 2,153 |
| Assets per employee ($millions) | 4.3668% | 3,061 |
| Cash dividends to net income (ytd only)* | 36.2776% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 1,717 |
| Loan loss allowance to noncurrent loans | 134.9150% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 3.0505% | 1,330 |
| Noncurrent loans to loans | 1.5271% | 3,011 |
| Net loans and leases to total assets | 61.9023% | 3,304 |
| Net loans and leases to deposits | 72.8476% | 3,331 |
| Net loans and leases to core deposits | 74.6522% | 3,706 |
| Total domestic deposits to total assets | 84.9751% | 3,899 |
| Equity capital to assets | 9.3484% | 4,785 |
| Core capital (leverage) ratio | 9.3299% | 4,494 |
| Tier 1 risk-based capital ratio | 14.0177% | 4,415 |
| Total risk-based capital ratio | 15.2770% | 4,366 |
| Memoranda: | ||
| Average total assets | $293,565,330 | 2,203 |
| Average earning assets | $267,614,330 | 2,210 |
| Average equity | $28,072,670 | 2,418 |
| Average total loans | $185,186,000 | 2,152 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 4,421 |
| Cost of funding earning assets | 0.3595% | 5,450 |
| Net interest margin | 3.5552% | 3,457 |
| Noninterest income to average assets | 1.1535% | 1,129 |
| Noninterest expense to average assets | 3.4605% | 1,701 |
| Loan and lease loss provision to assets | 0.3061% | 1,118 |
| Net operating income to assets | 0.4284% | 5,011 |
| Return on assets (ROA) | 0.4312% | 5,155 |
| Pretax return on assets | 0.6325% | 4,829 |
| Return on Equity (ROE) | 4.4595% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.8417% | 4,575 |
| Net charge-offs to loans | 0.4554% | 1,307 |
| Credit loss provision to net charge-offs | 106.6351% | 1,735 |
| Earnings coverage of net charge-offs (x) | 3.2559% | 2,808 |
| Efficiency ratio | 78.7372% | 2,497 |
| Assets per employee ($millions) | 4.3033% | 3,330 |
| Cash dividends to net income (ytd only)* | 36.2776% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 2,056 |
| Loan loss allowance to noncurrent loans | 116.8380% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 3.1536% | 1,389 |
| Noncurrent loans to loans | 1.7083% | 2,984 |
| Net loans and leases to total assets | 61.0124% | 3,245 |
| Net loans and leases to deposits | 72.1940% | 3,161 |
| Net loans and leases to core deposits | 73.9867% | 3,580 |
| Total domestic deposits to total assets | 84.5117% | 4,259 |
| Equity capital to assets | 9.7652% | 4,472 |
| Core capital (leverage) ratio | 9.2524% | 4,475 |
| Tier 1 risk-based capital ratio | 14.0573% | 4,468 |
| Total risk-based capital ratio | 15.3160% | 4,421 |
| Memoranda: | ||
| Average total assets | $294,061,000 | 2,228 |
| Average earning assets | $268,116,500 | 2,227 |
| Average equity | $28,433,500 | 2,420 |
| Average total loans | $185,319,000 | 2,163 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 4,714 |
| Cost of funding earning assets | 0.4642% | 5,461 |
| Net interest margin | 3.6993% | 3,646 |
| Noninterest income to average assets | 1.2646% | 977 |
| Noninterest expense to average assets | 3.6997% | 1,412 |
| Loan and lease loss provision to assets | 0.4896% | 1,236 |
| Net operating income to assets | 0.3254% | 5,376 |
| Return on assets (ROA) | 0.4733% | 5,042 |
| Pretax return on assets | 0.6335% | 4,874 |
| Return on Equity (ROE) | 4.9167% | 4,716 |
| Retained earnings to average equity (ytd only) | 3.2023% | 3,971 |
| Net charge-offs to loans | 0.7058% | 1,676 |
| Credit loss provision to net charge-offs | 111.5931% | 2,615 |
| Earnings coverage of net charge-offs (x) | 2.1104% | 4,359 |
| Efficiency ratio | 79.9835% | 2,148 |
| Assets per employee ($millions) | 4.4105% | 3,125 |
| Cash dividends to net income (ytd only)* | 34.8684% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9218% | 2,226 |
| Loan loss allowance to noncurrent loans | 107.8297% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 3.1536% | 1,478 |
| Noncurrent loans to loans | 1.7823% | 2,942 |
| Net loans and leases to total assets | 62.5531% | 3,157 |
| Net loans and leases to deposits | 73.9818% | 3,088 |
| Net loans and leases to core deposits | 76.4236% | 3,476 |
| Total domestic deposits to total assets | 84.5520% | 4,064 |
| Equity capital to assets | 9.5742% | 4,786 |
| Core capital (leverage) ratio | 9.2696% | 4,472 |
| Tier 1 risk-based capital ratio | 13.6730% | 4,626 |
| Total risk-based capital ratio | 14.9311% | 4,569 |
| Memoranda: | ||
| Average total assets | $289,025,400 | 2,210 |
| Average earning assets | $262,586,800 | 2,212 |
| Average equity | $27,823,400 | 2,413 |
| Average total loans | $179,659,600 | 2,206 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 4,863 |
| Cost of funding earning assets | 0.4923% | 5,487 |
| Net interest margin | 3.6942% | 3,825 |
| Noninterest income to average assets | 1.2317% | 984 |
| Noninterest expense to average assets | 3.6505% | 1,456 |
| Loan and lease loss provision to assets | 0.4569% | 1,360 |
| Net operating income to assets | 0.3388% | 5,479 |
| Return on assets (ROA) | 0.5265% | 4,996 |
| Pretax return on assets | 0.7446% | 4,692 |
| Return on Equity (ROE) | 5.4619% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.8017% | 4,216 |
| Net charge-offs to loans | 0.5402% | 1,984 |
| Credit loss provision to net charge-offs | 136.9958% | 2,105 |
| Earnings coverage of net charge-offs (x) | 2.8095% | 3,913 |
| Efficiency ratio | 79.5733% | 2,159 |
| Assets per employee ($millions) | 4.4137% | 3,056 |
| Cash dividends to net income (ytd only)* | 30.3965% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0671% | 1,990 |
| Loan loss allowance to noncurrent loans | 80.9215% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 3.6329% | 1,368 |
| Noncurrent loans to loans | 2.5545% | 2,238 |
| Net loans and leases to total assets | 60.8419% | 3,601 |
| Net loans and leases to deposits | 71.7633% | 3,646 |
| Net loans and leases to core deposits | 74.3315% | 3,933 |
| Total domestic deposits to total assets | 84.7813% | 3,847 |
| Equity capital to assets | 9.7427% | 4,865 |
| Core capital (leverage) ratio | 9.3069% | 4,573 |
| Tier 1 risk-based capital ratio | 14.0944% | 4,461 |
| Total risk-based capital ratio | 15.3540% | 4,415 |
| Memoranda: | ||
| Average total assets | $287,406,500 | 2,252 |
| Average earning assets | $261,084,000 | 2,246 |
| Average equity | $27,706,250 | 2,439 |
| Average total loans | $177,457,750 | 2,268 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 4,867 |
| Cost of funding earning assets | 0.5238% | 5,465 |
| Net interest margin | 3.6992% | 3,823 |
| Noninterest income to average assets | 1.1296% | 1,118 |
| Noninterest expense to average assets | 3.7007% | 1,371 |
| Loan and lease loss provision to assets | 0.3146% | 2,096 |
| Net operating income to assets | 0.3219% | 5,535 |
| Return on assets (ROA) | 0.5466% | 4,879 |
| Pretax return on assets | 0.7920% | 4,501 |
| Return on Equity (ROE) | 5.6911% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.0173% | 3,933 |
| Net charge-offs to loans | 0.0318% | 4,933 |
| Credit loss provision to net charge-offs | 1,607.1429% | 201 |
| Earnings coverage of net charge-offs (x) | 39.8929% | 878 |
| Efficiency ratio | 82.5768% | 1,803 |
| Assets per employee ($millions) | 4.4316% | 3,036 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1868% | 1,803 |
| Loan loss allowance to noncurrent loans | 125.5881% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 3.1647% | 1,721 |
| Noncurrent loans to loans | 1.7412% | 3,292 |
| Net loans and leases to total assets | 60.5123% | 3,734 |
| Net loans and leases to deposits | 70.8318% | 3,784 |
| Net loans and leases to core deposits | 73.5001% | 4,096 |
| Total domestic deposits to total assets | 85.4310% | 3,651 |
| Equity capital to assets | 9.6943% | 4,765 |
| Core capital (leverage) ratio | 9.3536% | 4,365 |
| Tier 1 risk-based capital ratio | 14.0645% | 4,400 |
| Total risk-based capital ratio | 15.3263% | 4,352 |
| Memoranda: | ||
| Average total assets | $286,106,670 | 2,262 |
| Average earning assets | $259,243,330 | 2,263 |
| Average equity | $27,481,330 | 2,447 |
| Average total loans | $176,284,670 | 2,283 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 5,084 |
| Cost of funding earning assets | 0.5550% | 5,464 |
| Net interest margin | 3.6510% | 4,046 |
| Noninterest income to average assets | 1.0227% | 1,367 |
| Noninterest expense to average assets | 3.5675% | 1,632 |
| Loan and lease loss provision to assets | 0.3156% | 1,983 |
| Net operating income to assets | 0.3040% | 5,645 |
| Return on assets (ROA) | 0.6818% | 4,186 |
| Pretax return on assets | 0.9988% | 3,681 |
| Return on Equity (ROE) | 7.1315% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.4440% | 3,296 |
| Net charge-offs to loans | 0.0753% | 3,750 |
| Credit loss provision to net charge-offs | 681.8182% | 512 |
| Earnings coverage of net charge-offs (x) | 16.3939% | 1,368 |
| Efficiency ratio | 82.4578% | 1,877 |
| Assets per employee ($millions) | 4.3254% | 3,344 |
| Cash dividends to net income (ytd only)* | 23.6626% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 2,155 |
| Loan loss allowance to noncurrent loans | 115.7147% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 3.2773% | 1,762 |
| Noncurrent loans to loans | 1.7946% | 3,419 |
| Net loans and leases to total assets | 60.5710% | 3,538 |
| Net loans and leases to deposits | 71.3534% | 3,536 |
| Net loans and leases to core deposits | 73.3636% | 3,976 |
| Total domestic deposits to total assets | 84.8887% | 4,088 |
| Equity capital to assets | 9.5819% | 4,673 |
| Core capital (leverage) ratio | 9.3656% | 4,252 |
| Tier 1 risk-based capital ratio | 14.0048% | 4,472 |
| Total risk-based capital ratio | 15.2640% | 4,425 |
| Memoranda: | ||
| Average total assets | $285,131,500 | 2,285 |
| Average earning assets | $258,012,000 | 2,298 |
| Average equity | $27,259,500 | 2,456 |
| Average total loans | $175,323,500 | 2,306 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 4,748 |
| Cost of funding earning assets | 0.6565% | 5,787 |
| Net interest margin | 3.9254% | 3,222 |
| Noninterest income to average assets | 0.9758% | 1,437 |
| Noninterest expense to average assets | 3.4715% | 2,060 |
| Loan and lease loss provision to assets | 0.2464% | 3,746 |
| Net operating income to assets | 0.5590% | 4,190 |
| Return on assets (ROA) | 0.6565% | 3,901 |
| Pretax return on assets | 0.9492% | 3,429 |
| Return on Equity (ROE) | 6.6107% | 3,583 |
| Retained earnings to average equity (ytd only) | 4.9129% | 2,705 |
| Net charge-offs to loans | 0.2321% | 4,328 |
| Credit loss provision to net charge-offs | 164.3541% | 1,662 |
| Earnings coverage of net charge-offs (x) | 7.0311% | 2,412 |
| Efficiency ratio | 76.7042% | 2,790 |
| Assets per employee ($millions) | 4.2506% | 3,365 |
| Cash dividends to net income (ytd only)* | 25.6831% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9964% | 2,296 |
| Loan loss allowance to noncurrent loans | 127.6166% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 3.4240% | 1,731 |
| Noncurrent loans to loans | 1.5644% | 3,814 |
| Net loans and leases to total assets | 59.9007% | 4,009 |
| Net loans and leases to deposits | 72.3633% | 3,749 |
| Net loans and leases to core deposits | 74.5139% | 4,174 |
| Total domestic deposits to total assets | 82.7777% | 4,851 |
| Equity capital to assets | 9.5387% | 4,817 |
| Core capital (leverage) ratio | 9.3370% | 4,272 |
| Tier 1 risk-based capital ratio | 13.9520% | 4,356 |
| Total risk-based capital ratio | 15.2105% | 4,307 |
| Memoranda: | ||
| Average total assets | $278,759,400 | 2,276 |
| Average earning assets | $252,100,200 | 2,288 |
| Average equity | $27,682,400 | 2,348 |
| Average total loans | $180,107,400 | 2,246 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 4,734 |
| Cost of funding earning assets | 0.6754% | 5,905 |
| Net interest margin | 3.9574% | 3,120 |
| Noninterest income to average assets | 0.9594% | 1,451 |
| Noninterest expense to average assets | 3.6962% | 1,507 |
| Loan and lease loss provision to assets | 0.2342% | 3,672 |
| Net operating income to assets | 0.4293% | 4,859 |
| Return on assets (ROA) | 0.5550% | 4,474 |
| Pretax return on assets | 0.7843% | 4,188 |
| Return on Equity (ROE) | 5.5323% | 4,266 |
| Retained earnings to average equity (ytd only) | 3.8784% | 3,961 |
| Net charge-offs to loans | 0.2210% | 4,052 |
| Credit loss provision to net charge-offs | 161.7940% | 1,900 |
| Earnings coverage of net charge-offs (x) | 5.8140% | 2,689 |
| Efficiency ratio | 81.4540% | 2,047 |
| Assets per employee ($millions) | 4.1160% | 3,607 |
| Cash dividends to net income (ytd only)* | 29.8961% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 2,449 |
| Loan loss allowance to noncurrent loans | 111.0675% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 3.6590% | 1,712 |
| Noncurrent loans to loans | 1.7635% | 3,687 |
| Net loans and leases to total assets | 60.6636% | 4,015 |
| Net loans and leases to deposits | 71.5040% | 4,063 |
| Net loans and leases to core deposits | 73.7171% | 4,494 |
| Total domestic deposits to total assets | 84.8395% | 3,855 |
| Equity capital to assets | 9.5024% | 5,078 |
| Core capital (leverage) ratio | 9.1957% | 4,632 |
| Tier 1 risk-based capital ratio | 13.9990% | 4,350 |
| Total risk-based capital ratio | 15.2577% | 4,319 |
| Memoranda: | ||
| Average total assets | $277,252,250 | 2,299 |
| Average earning assets | $250,700,000 | 2,308 |
| Average equity | $27,811,750 | 2,343 |
| Average total loans | $181,618,000 | 2,244 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 4,734 |
| Cost of funding earning assets | 0.6746% | 6,103 |
| Net interest margin | 3.9804% | 2,935 |
| Noninterest income to average assets | 0.9755% | 1,392 |
| Noninterest expense to average assets | 3.8006% | 1,344 |
| Loan and lease loss provision to assets | 0.2981% | 3,018 |
| Net operating income to assets | 0.3577% | 5,145 |
| Return on assets (ROA) | 0.3908% | 5,131 |
| Pretax return on assets | 0.5203% | 4,993 |
| Return on Equity (ROE) | 3.8275% | 5,012 |
| Retained earnings to average equity (ytd only) | 2.1973% | 4,893 |
| Net charge-offs to loans | 0.1421% | 4,346 |
| Credit loss provision to net charge-offs | 314.5038% | 968 |
| Earnings coverage of net charge-offs (x) | 8.1679% | 2,104 |
| Efficiency ratio | 83.0750% | 1,946 |
| Assets per employee ($millions) | 4.1639% | 3,420 |
| Cash dividends to net income (ytd only)* | 42.5926% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9353% | 2,558 |
| Loan loss allowance to noncurrent loans | 109.2076% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 4.8484% | 1,275 |
| Noncurrent loans to loans | 1.7722% | 3,790 |
| Net loans and leases to total assets | 63.3344% | 3,614 |
| Net loans and leases to deposits | 76.3856% | 3,400 |
| Net loans and leases to core deposits | 78.6827% | 3,974 |
| Total domestic deposits to total assets | 82.9141% | 4,788 |
| Equity capital to assets | 10.3467% | 3,693 |
| Core capital (leverage) ratio | 10.1338% | 3,101 |
| Tier 1 risk-based capital ratio | 14.8495% | 3,581 |
| Total risk-based capital ratio | 16.1075% | 3,545 |
| Memoranda: | ||
| Average total assets | $276,374,330 | 2,318 |
| Average earning assets | $249,924,330 | 2,326 |
| Average equity | $28,217,000 | 2,296 |
| Average total loans | $184,430,330 | 2,226 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 4,862 |
| Cost of funding earning assets | 0.6790% | 6,253 |
| Net interest margin | 3.9399% | 2,955 |
| Noninterest income to average assets | 1.0063% | 1,308 |
| Noninterest expense to average assets | 3.7852% | 1,361 |
| Loan and lease loss provision to assets | 0.3272% | 2,591 |
| Net operating income to assets | 0.3659% | 5,094 |
| Return on assets (ROA) | 0.3781% | 5,117 |
| Pretax return on assets | 0.4959% | 5,043 |
| Return on Equity (ROE) | 3.7285% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.0794% | 4,893 |
| Net charge-offs to loans | 0.2144% | 3,231 |
| Credit loss provision to net charge-offs | 225.0000% | 1,353 |
| Earnings coverage of net charge-offs (x) | 5.5500% | 2,261 |
| Efficiency ratio | 82.4256% | 2,160 |
| Assets per employee ($millions) | 4.1265% | 3,584 |
| Cash dividends to net income (ytd only)* | 44.2308% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 3,081 |
| Loan loss allowance to noncurrent loans | 36.6044% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 5.1459% | 1,221 |
| Noncurrent loans to loans | 4.8533% | 1,401 |
| Net loans and leases to total assets | 66.6143% | 2,853 |
| Net loans and leases to deposits | 79.0641% | 2,880 |
| Net loans and leases to core deposits | 82.6065% | 3,367 |
| Total domestic deposits to total assets | 84.2535% | 4,386 |
| Equity capital to assets | 10.1261% | 3,621 |
| Core capital (leverage) ratio | 10.0184% | 3,120 |
| Tier 1 risk-based capital ratio | 14.5361% | 3,710 |
| Total risk-based capital ratio | 15.7928% | 3,674 |
| Memoranda: | ||
| Average total assets | $275,072,500 | 2,349 |
| Average earning assets | $250,359,500 | 2,342 |
| Average equity | $27,893,000 | 2,308 |
| Average total loans | $186,557,500 | 2,232 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 5,617 |
| Cost of funding earning assets | 0.8753% | 6,269 |
| Net interest margin | 3.8757% | 3,609 |
| Noninterest income to average assets | 1.1598% | 1,096 |
| Noninterest expense to average assets | 3.8258% | 1,440 |
| Loan and lease loss provision to assets | 0.5923% | 2,769 |
| Net operating income to assets | 0.2599% | 5,079 |
| Return on assets (ROA) | 0.3521% | 4,897 |
| Pretax return on assets | 0.4090% | 4,913 |
| Return on Equity (ROE) | 3.5109% | 4,750 |
| Retained earnings to average equity (ytd only) | 1.8596% | 4,560 |
| Net charge-offs to loans | 0.5738% | 3,330 |
| Credit loss provision to net charge-offs | 153.8821% | 2,305 |
| Earnings coverage of net charge-offs (x) | 2.3227% | 3,984 |
| Efficiency ratio | 81.0574% | 2,282 |
| Assets per employee ($millions) | 3.8545% | 4,124 |
| Cash dividends to net income (ytd only)* | 47.0348% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 3,113 |
| Loan loss allowance to noncurrent loans | 35.1689% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 5.2099% | 1,200 |
| Noncurrent loans to loans | 4.9113% | 1,387 |
| Net loans and leases to total assets | 66.6518% | 3,318 |
| Net loans and leases to deposits | 81.6880% | 2,869 |
| Net loans and leases to core deposits | 85.3425% | 3,423 |
| Total domestic deposits to total assets | 81.5932% | 5,325 |
| Equity capital to assets | 10.1546% | 3,553 |
| Core capital (leverage) ratio | 10.1666% | 2,905 |
| Tier 1 risk-based capital ratio | 14.7324% | 3,406 |
| Total risk-based capital ratio | 15.9886% | 3,362 |
| Memoranda: | ||
| Average total assets | $277,723,000 | 2,303 |
| Average earning assets | $255,100,600 | 2,297 |
| Average equity | $27,856,000 | 2,320 |
| Average total loans | $186,297,000 | 2,288 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 6,084 |
| Cost of funding earning assets | 0.9408% | 6,221 |
| Net interest margin | 3.7434% | 4,212 |
| Noninterest income to average assets | 1.1260% | 1,102 |
| Noninterest expense to average assets | 3.8702% | 1,246 |
| Loan and lease loss provision to assets | 0.6362% | 2,399 |
| Net operating income to assets | 0.1086% | 5,751 |
| Return on assets (ROA) | 0.1612% | 5,768 |
| Pretax return on assets | 0.1172% | 5,888 |
| Return on Equity (ROE) | 1.6121% | 5,731 |
| Retained earnings to average equity (ytd only) | -0.0383% | 5,795 |
| Net charge-offs to loans | 0.7315% | 2,589 |
| Credit loss provision to net charge-offs | 130.0098% | 3,107 |
| Earnings coverage of net charge-offs (x) | 1.4321% | 4,655 |
| Efficiency ratio | 84.6693% | 1,765 |
| Assets per employee ($millions) | 3.9630% | 3,913 |
| Cash dividends to net income (ytd only)* | 102.3747% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 3,650 |
| Loan loss allowance to noncurrent loans | 35.4796% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 4.7823% | 1,379 |
| Noncurrent loans to loans | 4.4299% | 1,637 |
| Net loans and leases to total assets | 67.2630% | 3,393 |
| Net loans and leases to deposits | 81.8680% | 3,133 |
| Net loans and leases to core deposits | 85.5097% | 3,726 |
| Total domestic deposits to total assets | 82.1603% | 4,930 |
| Equity capital to assets | 10.3015% | 3,763 |
| Core capital (leverage) ratio | 9.9006% | 3,354 |
| Tier 1 risk-based capital ratio | 14.2975% | 3,635 |
| Total risk-based capital ratio | 15.5532% | 3,591 |
| Memoranda: | ||
| Average total assets | $278,736,250 | 2,323 |
| Average earning assets | $256,515,500 | 2,317 |
| Average equity | $27,872,500 | 2,349 |
| Average total loans | $186,468,250 | 2,316 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 5,973 |
| Cost of funding earning assets | 1.0285% | 6,008 |
| Net interest margin | 3.7223% | 4,263 |
| Noninterest income to average assets | 1.1094% | 1,072 |
| Noninterest expense to average assets | 3.7540% | 1,444 |
| Loan and lease loss provision to assets | 0.4314% | 3,159 |
| Net operating income to assets | 0.3090% | 5,140 |
| Return on assets (ROA) | 0.3629% | 5,078 |
| Pretax return on assets | 0.4214% | 5,150 |
| Return on Equity (ROE) | 3.6653% | 4,932 |
| Retained earnings to average equity (ytd only) | 2.0091% | 4,855 |
| Net charge-offs to loans | 0.1889% | 4,476 |
| Credit loss provision to net charge-offs | 343.7500% | 1,062 |
| Earnings coverage of net charge-offs (x) | 6.2955% | 2,480 |
| Efficiency ratio | 82.6142% | 2,089 |
| Assets per employee ($millions) | 3.7547% | 4,333 |
| Cash dividends to net income (ytd only)* | 45.1866% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 3,299 |
| Loan loss allowance to noncurrent loans | 38.8099% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 2.9376% | 2,446 |
| Noncurrent loans to loans | 4.2204% | 1,766 |
| Net loans and leases to total assets | 66.1155% | 3,809 |
| Net loans and leases to deposits | 79.3207% | 3,729 |
| Net loans and leases to core deposits | 82.8920% | 4,299 |
| Total domestic deposits to total assets | 83.3522% | 4,412 |
| Equity capital to assets | 10.1684% | 3,812 |
| Core capital (leverage) ratio | 9.8451% | 3,348 |
| Tier 1 risk-based capital ratio | 14.3262% | 3,526 |
| Total risk-based capital ratio | 15.5813% | 3,493 |
| Memoranda: | ||
| Average total assets | $280,499,670 | 2,327 |
| Average earning assets | $258,820,000 | 2,316 |
| Average equity | $27,773,670 | 2,350 |
| Average total loans | $186,336,000 | 2,350 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 5,532 |
| Cost of funding earning assets | 1.0216% | 6,273 |
| Net interest margin | 3.8650% | 3,485 |
| Noninterest income to average assets | 1.0546% | 1,143 |
| Noninterest expense to average assets | 3.7768% | 1,361 |
| Loan and lease loss provision to assets | 0.4613% | 2,661 |
| Net operating income to assets | 0.3198% | 5,209 |
| Return on assets (ROA) | 0.4187% | 4,899 |
| Pretax return on assets | 0.5081% | 4,930 |
| Return on Equity (ROE) | 4.2856% | 4,763 |
| Retained earnings to average equity (ytd only) | 2.6149% | 4,577 |
| Net charge-offs to loans | 0.2837% | 3,275 |
| Credit loss provision to net charge-offs | 246.2121% | 1,566 |
| Earnings coverage of net charge-offs (x) | 4.5303% | 2,613 |
| Efficiency ratio | 81.6508% | 2,325 |
| Assets per employee ($millions) | 3.9934% | 3,889 |
| Cash dividends to net income (ytd only)* | 38.9831% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,793 |
| Loan loss allowance to noncurrent loans | 69.6006% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.6466% | 4,010 |
| Noncurrent loans to loans | 2.1879% | 3,545 |
| Net loans and leases to total assets | 65.3070% | 4,040 |
| Net loans and leases to deposits | 81.5996% | 3,353 |
| Net loans and leases to core deposits | 84.6402% | 4,115 |
| Total domestic deposits to total assets | 80.0335% | 5,773 |
| Equity capital to assets | 9.9529% | 3,927 |
| Core capital (leverage) ratio | 9.7306% | 3,477 |
| Tier 1 risk-based capital ratio | 14.5836% | 3,330 |
| Total risk-based capital ratio | 15.8376% | 3,292 |
| Memoranda: | ||
| Average total assets | $281,824,500 | 2,379 |
| Average earning assets | $260,387,500 | 2,349 |
| Average equity | $27,534,000 | 2,405 |
| Average total loans | $186,123,500 | 2,415 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1839% | 5,726 |
| Cost of funding earning assets | 1.5560% | 5,254 |
| Net interest margin | 3.6279% | 4,446 |
| Noninterest income to average assets | 1.2735% | 931 |
| Noninterest expense to average assets | 3.9935% | 1,371 |
| Loan and lease loss provision to assets | 0.5331% | 3,705 |
| Net operating income to assets | 0.1355% | 5,093 |
| Return on assets (ROA) | 0.1751% | 5,050 |
| Pretax return on assets | 0.1312% | 5,154 |
| Return on Equity (ROE) | 1.7847% | 4,986 |
| Retained earnings to average equity (ytd only) | 0.9621% | 4,359 |
| Net charge-offs to loans | 0.5672% | 3,521 |
| Credit loss provision to net charge-offs | 140.0000% | 3,483 |
| Earnings coverage of net charge-offs (x) | 1.6406% | 4,512 |
| Efficiency ratio | 86.4742% | 2,059 |
| Assets per employee ($millions) | 4.0016% | 3,813 |
| Cash dividends to net income (ytd only)* | 46.0922% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 4,197 |
| Loan loss allowance to noncurrent loans | 73.6282% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.5286% | 4,087 |
| Noncurrent loans to loans | 1.9115% | 3,784 |
| Net loans and leases to total assets | 64.8465% | 4,402 |
| Net loans and leases to deposits | 83.4996% | 3,358 |
| Net loans and leases to core deposits | 94.8668% | 4,578 |
| Total domestic deposits to total assets | 77.6608% | 6,309 |
| Equity capital to assets | 9.5899% | 4,281 |
| Core capital (leverage) ratio | 9.8312% | 3,295 |
| Tier 1 risk-based capital ratio | 13.9990% | 3,500 |
| Total risk-based capital ratio | 15.2513% | 3,455 |
| Memoranda: | ||
| Average total assets | $284,961,800 | 2,310 |
| Average earning assets | $262,717,400 | 2,301 |
| Average equity | $27,959,600 | 2,375 |
| Average total loans | $191,292,000 | 2,392 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 5,747 |
| Cost of funding earning assets | 1.6565% | 5,127 |
| Net interest margin | 3.5757% | 4,569 |
| Noninterest income to average assets | 1.3498% | 832 |
| Noninterest expense to average assets | 4.1536% | 1,078 |
| Loan and lease loss provision to assets | 0.3109% | 4,485 |
| Net operating income to assets | 0.1973% | 5,167 |
| Return on assets (ROA) | 0.2356% | 5,114 |
| Pretax return on assets | 0.2207% | 5,251 |
| Return on Equity (ROE) | 2.3882% | 5,028 |
| Retained earnings to average equity (ytd only) | 1.8432% | 4,287 |
| Net charge-offs to loans | 0.1677% | 5,048 |
| Credit loss provision to net charge-offs | 274.7934% | 1,545 |
| Earnings coverage of net charge-offs (x) | 4.3595% | 3,164 |
| Efficiency ratio | 89.3853% | 1,747 |
| Assets per employee ($millions) | 3.7806% | 4,223 |
| Cash dividends to net income (ytd only)* | 22.8176% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 3,868 |
| Loan loss allowance to noncurrent loans | 67.5871% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5820% | 3,981 |
| Noncurrent loans to loans | 2.0929% | 3,511 |
| Net loans and leases to total assets | 66.1367% | 4,399 |
| Net loans and leases to deposits | 81.0972% | 4,182 |
| Net loans and leases to core deposits | 94.6909% | 4,959 |
| Total domestic deposits to total assets | 81.5523% | 4,854 |
| Equity capital to assets | 10.0636% | 4,007 |
| Core capital (leverage) ratio | 9.9023% | 3,397 |
| Tier 1 risk-based capital ratio | 14.6259% | 3,209 |
| Total risk-based capital ratio | 15.8789% | 3,161 |
| Memoranda: | ||
| Average total assets | $285,174,500 | 2,325 |
| Average earning assets | $262,950,500 | 2,310 |
| Average equity | $28,138,000 | 2,385 |
| Average total loans | $192,398,500 | 2,401 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3021% | 5,652 |
| Cost of funding earning assets | 1.7249% | 5,151 |
| Net interest margin | 3.5772% | 4,459 |
| Noninterest income to average assets | 1.4384% | 726 |
| Noninterest expense to average assets | 4.0918% | 1,197 |
| Loan and lease loss provision to assets | 0.2429% | 4,637 |
| Net operating income to assets | 0.3428% | 4,707 |
| Return on assets (ROA) | 0.3900% | 4,653 |
| Pretax return on assets | 0.4510% | 4,783 |
| Return on Equity (ROE) | 3.9774% | 4,499 |
| Retained earnings to average equity (ytd only) | 3.9774% | 3,070 |
| Net charge-offs to loans | 0.1622% | 4,581 |
| Credit loss provision to net charge-offs | 221.5190% | 2,074 |
| Earnings coverage of net charge-offs (x) | 5.8291% | 2,750 |
| Efficiency ratio | 86.4916% | 2,180 |
| Assets per employee ($millions) | 3.6612% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,540 |
| Loan loss allowance to noncurrent loans | 40.0738% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 2.3357% | 2,784 |
| Noncurrent loans to loans | 3.1431% | 2,270 |
| Net loans and leases to total assets | 65.5536% | 4,657 |
| Net loans and leases to deposits | 81.3123% | 4,336 |
| Net loans and leases to core deposits | 94.1579% | 5,097 |
| Total domestic deposits to total assets | 80.6195% | 5,226 |
| Equity capital to assets | 9.6043% | 4,483 |
| Core capital (leverage) ratio | 9.7018% | 3,628 |
| Tier 1 risk-based capital ratio | 14.5331% | 3,226 |
| Total risk-based capital ratio | 15.7840% | 3,164 |
| Memoranda: | ||
| Average total assets | $288,237,330 | 2,336 |
| Average earning assets | $265,288,670 | 2,306 |
| Average equity | $28,259,330 | 2,391 |
| Average total loans | $194,815,670 | 2,399 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3827% | 5,516 |
| Cost of funding earning assets | 1.8565% | 4,843 |
| Net interest margin | 3.5262% | 4,627 |
| Noninterest income to average assets | 1.3068% | 837 |
| Noninterest expense to average assets | 4.0377% | 1,142 |
| Loan and lease loss provision to assets | 0.2072% | 4,370 |
| Net operating income to assets | 0.2737% | 5,396 |
| Return on assets (ROA) | 0.3550% | 5,231 |
| Pretax return on assets | 0.3854% | 5,443 |
| Return on Equity (ROE) | 3.5849% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.5849% | 3,900 |
| Net charge-offs to loans | 0.1823% | 3,541 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 4.0556% | 2,988 |
| Efficiency ratio | 88.8990% | 1,816 |
| Assets per employee ($millions) | 3.7562% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,084 |
| Loan loss allowance to noncurrent loans | 69.1812% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.3659% | 2,419 |
| Noncurrent loans to loans | 1.6700% | 3,764 |
| Net loans and leases to total assets | 66.7347% | 4,404 |
| Net loans and leases to deposits | 84.4255% | 3,909 |
| Net loans and leases to core deposits | 98.0952% | 4,733 |
| Total domestic deposits to total assets | 79.0457% | 5,705 |
| Equity capital to assets | 9.9440% | 4,057 |
| Core capital (leverage) ratio | 9.9149% | 3,499 |
| Tier 1 risk-based capital ratio | 14.4856% | 3,318 |
| Total risk-based capital ratio | 15.6931% | 3,265 |
| Memoranda: | ||
| Average total assets | $289,570,500 | 2,338 |
| Average earning assets | $265,667,000 | 2,320 |
| Average equity | $28,675,500 | 2,373 |
| Average total loans | $197,428,500 | 2,398 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2552% | 4,214 |
| Cost of funding earning assets | 2.3806% | 4,810 |
| Net interest margin | 3.8746% | 3,681 |
| Noninterest income to average assets | 1.0086% | 1,552 |
| Noninterest expense to average assets | 3.5728% | 2,217 |
| Loan and lease loss provision to assets | 0.9988% | 1,475 |
| Net operating income to assets | 0.1169% | 6,065 |
| Return on assets (ROA) | 0.0327% | 6,133 |
| Pretax return on assets | -0.1303% | 6,305 |
| Return on Equity (ROE) | 0.3460% | 6,120 |
| Retained earnings to average equity (ytd only) | -3.9793% | 6,320 |
| Net charge-offs to loans | 1.7420% | 635 |
| Credit loss provision to net charge-offs | 83.9418% | 5,807 |
| Earnings coverage of net charge-offs (x) | 0.8405% | 5,727 |
| Efficiency ratio | 78.1301% | 2,900 |
| Assets per employee ($millions) | 3.8146% | 3,926 |
| Cash dividends to net income (ytd only)* | 1,250.0000% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,294 |
| Loan loss allowance to noncurrent loans | 87.8752% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 4,246 |
| Noncurrent loans to loans | 1.2521% | 4,010 |
| Net loans and leases to total assets | 68.0858% | 4,453 |
| Net loans and leases to deposits | 88.7776% | 3,674 |
| Net loans and leases to core deposits | 102.1471% | 4,588 |
| Total domestic deposits to total assets | 76.6926% | 6,071 |
| Equity capital to assets | 9.8616% | 4,206 |
| Core capital (leverage) ratio | 9.5368% | 3,965 |
| Tier 1 risk-based capital ratio | 14.2281% | 3,430 |
| Total risk-based capital ratio | 15.3950% | 3,397 |
| Memoranda: | ||
| Average total assets | $306,176,000 | 2,172 |
| Average earning assets | $281,655,800 | 2,164 |
| Average equity | $28,899,800 | 2,340 |
| Average total loans | $209,132,800 | 2,212 |