Home > Arthur State Bank > Performance and Condition Ratios
Arthur State 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 | 4.0837% | 3,832 |
| Cost of funding earning assets | 0.4025% | 4,290 |
| Net interest margin | 3.6812% | 1,796 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 3.1488% | 884 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7679% | 2,986 |
| Return on assets (ROA) | 0.7679% | 2,962 |
| Pretax return on assets | 0.9724% | 2,744 |
| Return on Equity (ROE) | 14.6300% | 1,359 |
| Retained earnings to average equity (ytd only) | 3.9895% | 2,967 |
| Net charge-offs to loans | -0.0507% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.4261% | 1,304 |
| Assets per employee ($millions) | 4.8155% | 3,764 |
| Cash dividends to net income (ytd only)* | 72.7225% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 3,624 |
| Loan loss allowance to noncurrent loans | 145.4159% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 1,260 |
| Noncurrent loans to loans | 0.6372% | 1,238 |
| Net loans and leases to total assets | 68.6200% | 1,964 |
| Net loans and leases to deposits | 77.4741% | 2,316 |
| Net loans and leases to core deposits | 79.5444% | 2,730 |
| Total domestic deposits to total assets | 88.5700% | 1,190 |
| Equity capital to assets | 5.4599% | 4,346 |
| Core capital (leverage) ratio | 8.0427% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4919% | 2,068 |
| Memoranda: | ||
| Average total assets | $747,641,000 | 1,242 |
| Average earning assets | $695,640,800 | 1,241 |
| Average equity | $39,253,000 | 1,910 |
| Average total loans | $510,982,600 | 1,209 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 2,989 |
| Cost of funding earning assets | 0.3135% | 4,346 |
| Net interest margin | 4.1469% | 995 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.0681% | 970 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1054% | 2,037 |
| Return on assets (ROA) | 1.1054% | 2,019 |
| Pretax return on assets | 1.4483% | 1,680 |
| Return on Equity (ROE) | 21.1000% | 628 |
| Retained earnings to average equity (ytd only) | 13.7073% | 714 |
| Net charge-offs to loans | -0.0207% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.8776% | 2,164 |
| Assets per employee ($millions) | 4.7640% | 3,765 |
| Cash dividends to net income (ytd only)* | 35.0467% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 3,750 |
| Loan loss allowance to noncurrent loans | 175.2185% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 1,621 |
| Noncurrent loans to loans | 0.5105% | 1,541 |
| Net loans and leases to total assets | 68.2900% | 2,014 |
| Net loans and leases to deposits | 80.3746% | 2,012 |
| Net loans and leases to core deposits | 80.6723% | 2,551 |
| Total domestic deposits to total assets | 84.9700% | 2,510 |
| Equity capital to assets | 5.4798% | 4,142 |
| Core capital (leverage) ratio | 8.2772% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8955% | 1,936 |
| Memoranda: | ||
| Average total assets | $748,553,500 | 1,241 |
| Average earning assets | $696,122,000 | 1,235 |
| Average equity | $39,209,250 | 1,898 |
| Average total loans | $509,487,750 | 1,211 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 2,984 |
| Cost of funding earning assets | 0.2213% | 4,404 |
| Net interest margin | 4.1371% | 1,028 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 3.0271% | 1,000 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1530% | 1,960 |
| Return on assets (ROA) | 1.1530% | 1,957 |
| Pretax return on assets | 1.5089% | 1,584 |
| Return on Equity (ROE) | 22.4200% | 520 |
| Retained earnings to average equity (ytd only) | 17.6188% | 363 |
| Net charge-offs to loans | -0.0757% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.9584% | 2,242 |
| Assets per employee ($millions) | 4.8605% | 3,707 |
| Cash dividends to net income (ytd only)* | 21.4319% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 3,841 |
| Loan loss allowance to noncurrent loans | 177.0254% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 1,581 |
| Noncurrent loans to loans | 0.4962% | 1,468 |
| Net loans and leases to total assets | 66.8800% | 2,068 |
| Net loans and leases to deposits | 77.1548% | 2,204 |
| Net loans and leases to core deposits | 77.5369% | 2,655 |
| Total domestic deposits to total assets | 86.6900% | 2,030 |
| Equity capital to assets | 5.2588% | 4,334 |
| Core capital (leverage) ratio | 8.2113% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7654% | 2,002 |
| Memoranda: | ||
| Average total assets | $748,633,667 | 1,240 |
| Average earning assets | $696,761,000 | 1,230 |
| Average equity | $38,493,000 | 1,921 |
| Average total loans | $507,516,667 | 1,199 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,981 |
| Cost of funding earning assets | 0.1362% | 4,482 |
| Net interest margin | 4.0924% | 1,107 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 2.9533% | 1,143 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.1287% | 2,131 |
| Return on assets (ROA) | 1.1287% | 2,101 |
| Pretax return on assets | 1.4783% | 1,716 |
| Return on Equity (ROE) | 22.2100% | 565 |
| Retained earnings to average equity (ytd only) | 18.4953% | 477 |
| Net charge-offs to loans | -0.1699% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0582% | 2,318 |
| Assets per employee ($millions) | 5.0006% | 3,659 |
| Cash dividends to net income (ytd only)* | 16.7304% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 3,848 |
| Loan loss allowance to noncurrent loans | 356.4706% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,307 |
| Noncurrent loans to loans | 0.2526% | 2,240 |
| Net loans and leases to total assets | 67.1300% | 1,935 |
| Net loans and leases to deposits | 74.6375% | 2,244 |
| Net loans and leases to core deposits | 74.9716% | 2,602 |
| Total domestic deposits to total assets | 89.9400% | 1,175 |
| Equity capital to assets | 5.0968% | 4,408 |
| Core capital (leverage) ratio | 8.0376% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6121% | 2,130 |
| Memoranda: | ||
| Average total assets | $741,402,000 | 1,264 |
| Average earning assets | $693,284,500 | 1,249 |
| Average equity | $37,674,500 | 1,973 |
| Average total loans | $503,823,000 | 1,222 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 2,942 |
| Cost of funding earning assets | 0.0626% | 4,534 |
| Net interest margin | 3.4876% | 1,965 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.8067% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9576% | 2,736 |
| Return on assets (ROA) | 0.9576% | 2,685 |
| Pretax return on assets | 1.2545% | 2,263 |
| Return on Equity (ROE) | 15.6000% | 1,122 |
| Retained earnings to average equity (ytd only) | 9.5312% | 1,304 |
| Net charge-offs to loans | -0.0101% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.1104% | 1,811 |
| Assets per employee ($millions) | 5.0185% | 3,667 |
| Cash dividends to net income (ytd only)* | 38.9022% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 4,296 |
| Loan loss allowance to noncurrent loans | 223.4234% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 2,194 |
| Noncurrent loans to loans | 0.2869% | 2,118 |
| Net loans and leases to total assets | 67.7400% | 1,858 |
| Net loans and leases to deposits | 73.2372% | 2,312 |
| Net loans and leases to core deposits | 73.6649% | 2,591 |
| Total domestic deposits to total assets | 92.4900% | 523 |
| Equity capital to assets | 5.0661% | 4,353 |
| Core capital (leverage) ratio | 7.9116% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9065% | 2,412 |
| Memoranda: | ||
| Average total assets | $738,221,800 | 1,263 |
| Average earning assets | $693,793,000 | 1,245 |
| Average equity | $45,314,200 | 1,746 |
| Average total loans | $474,987,800 | 1,220 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4492% | 2,780 |
| Cost of funding earning assets | 0.0616% | 4,520 |
| Net interest margin | 3.3876% | 2,014 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.7533% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9253% | 2,773 |
| Return on assets (ROA) | 0.9253% | 2,742 |
| Pretax return on assets | 1.2131% | 2,319 |
| Return on Equity (ROE) | 14.4400% | 1,309 |
| Retained earnings to average equity (ytd only) | 8.8061% | 1,724 |
| Net charge-offs to loans | -0.0154% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.4150% | 1,833 |
| Assets per employee ($millions) | 4.8098% | 3,838 |
| Cash dividends to net income (ytd only)* | 39.0320% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6467% | 4,337 |
| Loan loss allowance to noncurrent loans | 317.2888% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 2,663 |
| Noncurrent loans to loans | 0.2038% | 2,582 |
| Net loans and leases to total assets | 65.7200% | 1,917 |
| Net loans and leases to deposits | 70.2023% | 2,345 |
| Net loans and leases to core deposits | 70.6000% | 2,595 |
| Total domestic deposits to total assets | 93.6100% | 433 |
| Equity capital to assets | 5.4637% | 4,141 |
| Core capital (leverage) ratio | 7.6838% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1466% | 2,774 |
| Memoranda: | ||
| Average total assets | $738,346,750 | 1,271 |
| Average earning assets | $694,523,750 | 1,250 |
| Average equity | $47,299,250 | 1,707 |
| Average total loans | $468,000,250 | 1,231 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3419% | 2,603 |
| Cost of funding earning assets | 0.0618% | 4,514 |
| Net interest margin | 3.2802% | 1,967 |
| Noninterest income to average assets | 0.8158% | 1,010 |
| Noninterest expense to average assets | 2.7079% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9095% | 2,542 |
| Return on assets (ROA) | 0.9095% | 2,512 |
| Pretax return on assets | 1.1955% | 2,090 |
| Return on Equity (ROE) | 13.5138% | 1,240 |
| Retained earnings to average equity (ytd only) | 8.4441% | 1,460 |
| Net charge-offs to loans | -0.0044% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3728% | 2,055 |
| Assets per employee ($millions) | 4.7240% | 3,913 |
| Cash dividends to net income (ytd only)* | 37.5150% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6547% | 4,403 |
| Loan loss allowance to noncurrent loans | 297.2015% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 2,713 |
| Noncurrent loans to loans | 0.2203% | 2,620 |
| Net loans and leases to total assets | 65.1798% | 1,793 |
| Net loans and leases to deposits | 70.3179% | 2,174 |
| Net loans and leases to core deposits | 70.7287% | 2,429 |
| Total domestic deposits to total assets | 92.6931% | 588 |
| Equity capital to assets | 5.8679% | 4,247 |
| Core capital (leverage) ratio | 7.6597% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1930% | 2,752 |
| Memoranda: | ||
| Average total assets | $732,747,333 | 1,273 |
| Average earning assets | $689,717,333 | 1,265 |
| Average equity | $49,312,667 | 1,700 |
| Average total loans | $457,505,667 | 1,252 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2082% | 2,661 |
| Cost of funding earning assets | 0.0612% | 4,518 |
| Net interest margin | 3.1471% | 2,034 |
| Noninterest income to average assets | 0.8763% | 876 |
| Noninterest expense to average assets | 2.6558% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9131% | 2,237 |
| Return on assets (ROA) | 0.9131% | 2,235 |
| Pretax return on assets | 1.1907% | 1,837 |
| Return on Equity (ROE) | 12.7258% | 1,102 |
| Retained earnings to average equity (ytd only) | 8.8950% | 1,295 |
| Net charge-offs to loans | -0.0045% | 3,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0439% | 2,367 |
| Assets per employee ($millions) | 4.7888% | 3,932 |
| Cash dividends to net income (ytd only)* | 30.1023% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 4,378 |
| Loan loss allowance to noncurrent loans | 384.6433% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 3,016 |
| Noncurrent loans to loans | 0.1829% | 2,900 |
| Net loans and leases to total assets | 61.6866% | 1,899 |
| Net loans and leases to deposits | 66.8264% | 2,260 |
| Net loans and leases to core deposits | 67.2512% | 2,519 |
| Total domestic deposits to total assets | 92.3088% | 471 |
| Equity capital to assets | 6.9344% | 4,239 |
| Core capital (leverage) ratio | 7.6123% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1482% | 2,552 |
| Memoranda: | ||
| Average total assets | $727,622,000 | 1,285 |
| Average earning assets | $686,733,000 | 1,269 |
| Average equity | $52,209,000 | 1,671 |
| Average total loans | $442,958,000 | 1,266 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1870% | 3,500 |
| Cost of funding earning assets | 0.0718% | 4,580 |
| Net interest margin | 3.1151% | 2,860 |
| Noninterest income to average assets | 0.8950% | 1,216 |
| Noninterest expense to average assets | 2.8344% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7475% | 3,498 |
| Return on assets (ROA) | 0.7748% | 3,477 |
| Pretax return on assets | 1.0176% | 3,210 |
| Return on Equity (ROE) | 9.8925% | 2,561 |
| Retained earnings to average equity (ytd only) | 6.7923% | 2,005 |
| Net charge-offs to loans | 0.0116% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 136.3265% | 720 |
| Efficiency ratio | 74.2493% | 1,279 |
| Assets per employee ($millions) | 4.6625% | 3,991 |
| Cash dividends to net income (ytd only)* | 31.3390% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7323% | 4,374 |
| Loan loss allowance to noncurrent loans | 393.5564% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 3,154 |
| Noncurrent loans to loans | 0.1861% | 3,014 |
| Net loans and leases to total assets | 59.1937% | 2,245 |
| Net loans and leases to deposits | 64.6803% | 2,627 |
| Net loans and leases to core deposits | 65.1817% | 2,886 |
| Total domestic deposits to total assets | 91.5174% | 310 |
| Equity capital to assets | 7.4164% | 4,619 |
| Core capital (leverage) ratio | 7.3908% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4530% | 2,473 |
| Memoranda: | ||
| Average total assets | $679,555,000 | 1,311 |
| Average earning assets | $637,502,000 | 1,310 |
| Average equity | $53,222,200 | 1,674 |
| Average total loans | $422,517,800 | 1,318 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1476% | 3,706 |
| Cost of funding earning assets | 0.0749% | 4,663 |
| Net interest margin | 3.0727% | 3,120 |
| Noninterest income to average assets | 0.9562% | 1,141 |
| Noninterest expense to average assets | 2.8855% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7204% | 3,720 |
| Return on assets (ROA) | 0.7575% | 3,696 |
| Pretax return on assets | 0.9940% | 3,478 |
| Return on Equity (ROE) | 9.5343% | 2,914 |
| Retained earnings to average equity (ytd only) | 6.7693% | 2,506 |
| Net charge-offs to loans | 0.0025% | 2,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 592.7500% | 256 |
| Efficiency ratio | 75.2892% | 1,092 |
| Assets per employee ($millions) | 4.5175% | 4,111 |
| Cash dividends to net income (ytd only)* | 29.0008% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 4,403 |
| Loan loss allowance to noncurrent loans | 213.4705% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,697 |
| Noncurrent loans to loans | 0.3572% | 2,495 |
| Net loans and leases to total assets | 60.1779% | 2,235 |
| Net loans and leases to deposits | 65.4836% | 2,680 |
| Net loans and leases to core deposits | 66.0660% | 2,951 |
| Total domestic deposits to total assets | 91.8978% | 146 |
| Equity capital to assets | 7.7984% | 4,610 |
| Core capital (leverage) ratio | 7.7360% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1377% | 2,314 |
| Memoranda: | ||
| Average total assets | $667,606,500 | 1,342 |
| Average earning assets | $624,935,000 | 1,344 |
| Average equity | $53,042,000 | 1,699 |
| Average total loans | $419,717,000 | 1,348 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2525% | 3,557 |
| Cost of funding earning assets | 0.0799% | 4,699 |
| Net interest margin | 3.1726% | 2,843 |
| Noninterest income to average assets | 1.0078% | 1,059 |
| Noninterest expense to average assets | 2.9117% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8104% | 3,478 |
| Return on assets (ROA) | 0.8669% | 3,383 |
| Pretax return on assets | 1.1339% | 3,104 |
| Return on Equity (ROE) | 10.8400% | 2,483 |
| Retained earnings to average equity (ytd only) | 7.9904% | 2,075 |
| Net charge-offs to loans | 0.0086% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 194.2778% | 504 |
| Efficiency ratio | 73.2645% | 1,310 |
| Assets per employee ($millions) | 4.3617% | 4,210 |
| Cash dividends to net income (ytd only)* | 26.2881% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 4,427 |
| Loan loss allowance to noncurrent loans | 380.8789% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 3,409 |
| Noncurrent loans to loans | 0.2013% | 3,236 |
| Net loans and leases to total assets | 61.0124% | 2,305 |
| Net loans and leases to deposits | 66.5924% | 2,770 |
| Net loans and leases to core deposits | 67.2312% | 3,017 |
| Total domestic deposits to total assets | 91.6206% | 212 |
| Equity capital to assets | 7.8450% | 4,608 |
| Core capital (leverage) ratio | 7.7229% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2367% | 2,274 |
| Memoranda: | ||
| Average total assets | $658,243,000 | 1,352 |
| Average earning assets | $615,460,667 | 1,352 |
| Average equity | $52,638,333 | 1,700 |
| Average total loans | $418,998,333 | 1,356 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2181% | 3,650 |
| Cost of funding earning assets | 0.0841% | 4,730 |
| Net interest margin | 3.1341% | 2,894 |
| Noninterest income to average assets | 1.0304% | 1,088 |
| Noninterest expense to average assets | 2.9533% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7709% | 3,509 |
| Return on assets (ROA) | 0.7899% | 3,525 |
| Pretax return on assets | 1.0279% | 3,296 |
| Return on Equity (ROE) | 9.7805% | 2,763 |
| Retained earnings to average equity (ytd only) | 4.0408% | 3,489 |
| Net charge-offs to loans | -0.0105% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6329% | 1,255 |
| Assets per employee ($millions) | 4.1857% | 4,355 |
| Cash dividends to net income (ytd only)* | 58.6854% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,443 |
| Loan loss allowance to noncurrent loans | 648.4970% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 3,837 |
| Noncurrent loans to loans | 0.1205% | 3,710 |
| Net loans and leases to total assets | 61.3603% | 2,356 |
| Net loans and leases to deposits | 67.4110% | 2,763 |
| Net loans and leases to core deposits | 68.1040% | 3,048 |
| Total domestic deposits to total assets | 91.0241% | 388 |
| Equity capital to assets | 7.7939% | 4,598 |
| Core capital (leverage) ratio | 7.9782% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0793% | 2,260 |
| Memoranda: | ||
| Average total assets | $647,149,000 | 1,363 |
| Average earning assets | $604,327,500 | 1,362 |
| Average equity | $52,267,500 | 1,702 |
| Average total loans | $419,320,500 | 1,364 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 2,326 |
| Cost of funding earning assets | 0.0972% | 4,867 |
| Net interest margin | 4.0369% | 901 |
| Noninterest income to average assets | 1.0663% | 935 |
| Noninterest expense to average assets | 3.1684% | 1,114 |
| Loan and lease loss provision to assets | 0.0875% | 3,268 |
| Net operating income to assets | 1.2030% | 1,546 |
| Return on assets (ROA) | 1.2030% | 1,653 |
| Pretax return on assets | 1.5670% | 1,141 |
| Return on Equity (ROE) | 13.3584% | 950 |
| Retained earnings to average equity (ytd only) | 4.6122% | 2,474 |
| Net charge-offs to loans | 0.0002% | 3,438 |
| Credit loss provision to net charge-offs | 50,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 9,453.0000% | 7 |
| Efficiency ratio | 65.6941% | 2,577 |
| Assets per employee ($millions) | 4.0823% | 4,313 |
| Cash dividends to net income (ytd only)* | 65.4736% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 4,496 |
| Loan loss allowance to noncurrent loans | 1,177.0073% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 4,131 |
| Noncurrent loans to loans | 0.0646% | 4,034 |
| Net loans and leases to total assets | 67.4436% | 1,895 |
| Net loans and leases to deposits | 74.7244% | 2,410 |
| Net loans and leases to core deposits | 75.4290% | 2,780 |
| Total domestic deposits to total assets | 90.2564% | 467 |
| Equity capital to assets | 8.3796% | 4,532 |
| Core capital (leverage) ratio | 8.4834% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5956% | 2,405 |
| Memoranda: | ||
| Average total assets | $571,330,000 | 1,394 |
| Average earning assets | $531,671,400 | 1,388 |
| Average equity | $51,450,600 | 1,650 |
| Average total loans | $402,380,600 | 1,346 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 2,035 |
| Cost of funding earning assets | 0.1005% | 4,916 |
| Net interest margin | 4.2221% | 698 |
| Noninterest income to average assets | 1.0666% | 916 |
| Noninterest expense to average assets | 3.2567% | 974 |
| Loan and lease loss provision to assets | 0.1195% | 2,828 |
| Net operating income to assets | 1.2374% | 1,526 |
| Return on assets (ROA) | 1.2374% | 1,645 |
| Pretax return on assets | 1.6171% | 1,139 |
| Return on Equity (ROE) | 13.4791% | 983 |
| Retained earnings to average equity (ytd only) | 7.6231% | 1,453 |
| Net charge-offs to loans | 0.0010% | 3,198 |
| Credit loss provision to net charge-offs | 16,666.6667% | 81 |
| Earnings coverage of net charge-offs (x) | 2,422.6667% | 38 |
| Efficiency ratio | 65.2216% | 2,553 |
| Assets per employee ($millions) | 3.7851% | 4,484 |
| Cash dividends to net income (ytd only)* | 43.4447% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 4,488 |
| Loan loss allowance to noncurrent loans | 232.2046% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 3,001 |
| Noncurrent loans to loans | 0.3229% | 3,127 |
| Net loans and leases to total assets | 70.8874% | 1,837 |
| Net loans and leases to deposits | 78.5184% | 2,475 |
| Net loans and leases to core deposits | 79.2080% | 2,909 |
| Total domestic deposits to total assets | 90.2812% | 336 |
| Equity capital to assets | 8.8443% | 4,221 |
| Core capital (leverage) ratio | 8.5443% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2213% | 2,524 |
| Memoranda: | ||
| Average total assets | $558,016,000 | 1,403 |
| Average earning assets | $518,967,000 | 1,400 |
| Average equity | $51,228,750 | 1,646 |
| Average total loans | $396,858,750 | 1,354 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 2,075 |
| Cost of funding earning assets | 0.1031% | 4,967 |
| Net interest margin | 4.3479% | 679 |
| Noninterest income to average assets | 1.0279% | 934 |
| Noninterest expense to average assets | 3.2774% | 1,031 |
| Loan and lease loss provision to assets | 0.1840% | 2,181 |
| Net operating income to assets | 1.1910% | 1,668 |
| Return on assets (ROA) | 1.1939% | 1,783 |
| Pretax return on assets | 1.6050% | 1,212 |
| Return on Equity (ROE) | 12.8316% | 1,140 |
| Retained earnings to average equity (ytd only) | 6.8984% | 1,701 |
| Net charge-offs to loans | 0.0130% | 2,501 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 194.0400% | 469 |
| Efficiency ratio | 64.7354% | 2,703 |
| Assets per employee ($millions) | 3.7967% | 4,470 |
| Cash dividends to net income (ytd only)* | 46.2392% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,421 |
| Loan loss allowance to noncurrent loans | 275.3224% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 3,283 |
| Noncurrent loans to loans | 0.2789% | 3,379 |
| Net loans and leases to total assets | 69.8706% | 2,048 |
| Net loans and leases to deposits | 77.7207% | 2,691 |
| Net loans and leases to core deposits | 78.4167% | 3,074 |
| Total domestic deposits to total assets | 89.8996% | 425 |
| Equity capital to assets | 8.7831% | 4,282 |
| Core capital (leverage) ratio | 8.7915% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1934% | 2,527 |
| Memoranda: | ||
| Average total assets | $543,413,000 | 1,411 |
| Average earning assets | $504,286,667 | 1,409 |
| Average equity | $50,562,667 | 1,654 |
| Average total loans | $385,864,667 | 1,372 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 3,094 |
| Cost of funding earning assets | 0.1117% | 5,029 |
| Net interest margin | 4.1267% | 1,082 |
| Noninterest income to average assets | 0.9264% | 1,009 |
| Noninterest expense to average assets | 3.5208% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8964% | 2,536 |
| Return on assets (ROA) | 0.8964% | 2,634 |
| Pretax return on assets | 1.2216% | 2,121 |
| Return on Equity (ROE) | 9.3351% | 1,985 |
| Retained earnings to average equity (ytd only) | 9.3351% | 888 |
| Net charge-offs to loans | 0.0356% | 1,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 48.0303% | 923 |
| Efficiency ratio | 74.2402% | 1,781 |
| Assets per employee ($millions) | 3.2599% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 4,579 |
| Loan loss allowance to noncurrent loans | 398.9630% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 3,071 |
| Noncurrent loans to loans | 0.1801% | 3,831 |
| Net loans and leases to total assets | 71.3337% | 2,031 |
| Net loans and leases to deposits | 79.9466% | 2,685 |
| Net loans and leases to core deposits | 80.8581% | 3,121 |
| Total domestic deposits to total assets | 89.2267% | 576 |
| Equity capital to assets | 9.7760% | 3,976 |
| Core capital (leverage) ratio | 9.5316% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4533% | 2,094 |
| Memoranda: | ||
| Average total assets | $518,977,000 | 1,421 |
| Average earning assets | $479,901,500 | 1,423 |
| Average equity | $49,833,500 | 1,670 |
| Average total loans | $370,279,500 | 1,385 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 3,601 |
| Cost of funding earning assets | 0.1143% | 5,089 |
| Net interest margin | 4.1637% | 1,386 |
| Noninterest income to average assets | 0.8142% | 1,412 |
| Noninterest expense to average assets | 3.4093% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9753% | 2,927 |
| Return on assets (ROA) | 0.9753% | 3,011 |
| Pretax return on assets | 1.2756% | 2,594 |
| Return on Equity (ROE) | 10.3671% | 2,133 |
| Retained earnings to average equity (ytd only) | 2.0651% | 3,968 |
| Net charge-offs to loans | 0.0330% | 2,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 55.8376% | 1,034 |
| Efficiency ratio | 72.7724% | 1,760 |
| Assets per employee ($millions) | 3.2682% | 4,669 |
| Cash dividends to net income (ytd only)* | 80.0801% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 4,467 |
| Loan loss allowance to noncurrent loans | 236.3085% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 2,563 |
| Noncurrent loans to loans | 0.3155% | 3,306 |
| Net loans and leases to total assets | 70.3127% | 2,345 |
| Net loans and leases to deposits | 78.9147% | 2,912 |
| Net loans and leases to core deposits | 79.8245% | 3,305 |
| Total domestic deposits to total assets | 89.0997% | 630 |
| Equity capital to assets | 9.4268% | 4,405 |
| Core capital (leverage) ratio | 9.3500% | 4,226 |
| Tier 1 risk-based capital ratio | 13.4591% | 3,545 |
| Total risk-based capital ratio | 14.2232% | 3,681 |
| Memoranda: | ||
| Average total assets | $512,163,800 | 1,395 |
| Average earning assets | $476,110,200 | 1,395 |
| Average equity | $48,181,200 | 1,655 |
| Average total loans | $354,532,400 | 1,400 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 3,768 |
| Cost of funding earning assets | 0.1147% | 5,164 |
| Net interest margin | 4.1490% | 1,503 |
| Noninterest income to average assets | 0.9459% | 1,052 |
| Noninterest expense to average assets | 3.2989% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1548% | 2,344 |
| Return on assets (ROA) | 1.1548% | 2,433 |
| Pretax return on assets | 1.5065% | 1,933 |
| Return on Equity (ROE) | 12.2823% | 1,521 |
| Retained earnings to average equity (ytd only) | 7.4271% | 1,661 |
| Net charge-offs to loans | 0.0466% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 46.9501% | 1,242 |
| Efficiency ratio | 68.6499% | 2,314 |
| Assets per employee ($millions) | 3.1967% | 4,759 |
| Cash dividends to net income (ytd only)* | 39.5302% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 4,499 |
| Loan loss allowance to noncurrent loans | 462.5850% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 2,424 |
| Noncurrent loans to loans | 0.1659% | 3,945 |
| Net loans and leases to total assets | 68.7601% | 2,663 |
| Net loans and leases to deposits | 77.2211% | 3,178 |
| Net loans and leases to core deposits | 78.1203% | 3,542 |
| Total domestic deposits to total assets | 89.0431% | 595 |
| Equity capital to assets | 9.9481% | 4,071 |
| Core capital (leverage) ratio | 9.7028% | 3,968 |
| Tier 1 risk-based capital ratio | 14.3677% | 3,148 |
| Total risk-based capital ratio | 15.1598% | 3,285 |
| Memoranda: | ||
| Average total assets | $511,112,500 | 1,405 |
| Average earning assets | $475,439,000 | 1,397 |
| Average equity | $48,057,250 | 1,657 |
| Average total loans | $351,715,500 | 1,421 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 3,858 |
| Cost of funding earning assets | 0.1153% | 5,207 |
| Net interest margin | 4.1101% | 1,578 |
| Noninterest income to average assets | 0.9292% | 1,010 |
| Noninterest expense to average assets | 3.2494% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1550% | 2,309 |
| Return on assets (ROA) | 1.1550% | 2,382 |
| Pretax return on assets | 1.5026% | 1,852 |
| Return on Equity (ROE) | 12.5265% | 1,398 |
| Retained earnings to average equity (ytd only) | 8.2817% | 1,285 |
| Net charge-offs to loans | 0.0963% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 22.7160% | 1,678 |
| Efficiency ratio | 68.3799% | 2,471 |
| Assets per employee ($millions) | 3.3117% | 4,689 |
| Cash dividends to net income (ytd only)* | 33.8868% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 4,586 |
| Loan loss allowance to noncurrent loans | 871.3355% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 2,559 |
| Noncurrent loans to loans | 0.0871% | 4,290 |
| Net loans and leases to total assets | 66.8740% | 2,991 |
| Net loans and leases to deposits | 74.8718% | 3,438 |
| Net loans and leases to core deposits | 75.7639% | 3,752 |
| Total domestic deposits to total assets | 89.3179% | 531 |
| Equity capital to assets | 9.4454% | 4,451 |
| Core capital (leverage) ratio | 9.7155% | 3,918 |
| Tier 1 risk-based capital ratio | 14.2264% | 3,198 |
| Total risk-based capital ratio | 15.0020% | 3,346 |
| Memoranda: | ||
| Average total assets | $510,994,330 | 1,399 |
| Average earning assets | $475,264,000 | 1,397 |
| Average equity | $47,116,000 | 1,680 |
| Average total loans | $350,819,000 | 1,431 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 3,750 |
| Cost of funding earning assets | 0.1168% | 5,258 |
| Net interest margin | 4.1222% | 1,494 |
| Noninterest income to average assets | 0.9618% | 895 |
| Noninterest expense to average assets | 3.4076% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0743% | 2,566 |
| Return on assets (ROA) | 1.0743% | 2,613 |
| Pretax return on assets | 1.3841% | 2,138 |
| Return on Equity (ROE) | 11.8008% | 1,611 |
| Retained earnings to average equity (ytd only) | 9.6251% | 1,127 |
| Net charge-offs to loans | -0.0343% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1144% | 2,168 |
| Assets per employee ($millions) | 3.2579% | 4,781 |
| Cash dividends to net income (ytd only)* | 18.4366% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 4,457 |
| Loan loss allowance to noncurrent loans | 446.9673% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 2,122 |
| Noncurrent loans to loans | 0.1835% | 3,927 |
| Net loans and leases to total assets | 68.8074% | 2,647 |
| Net loans and leases to deposits | 76.6946% | 3,196 |
| Net loans and leases to core deposits | 77.6389% | 3,545 |
| Total domestic deposits to total assets | 89.7161% | 557 |
| Equity capital to assets | 9.3300% | 4,404 |
| Core capital (leverage) ratio | 9.5617% | 4,064 |
| Tier 1 risk-based capital ratio | 14.0497% | 3,318 |
| Total risk-based capital ratio | 14.8873% | 3,441 |
| Memoranda: | ||
| Average total assets | $504,871,000 | 1,423 |
| Average earning assets | $469,064,500 | 1,424 |
| Average equity | $45,963,000 | 1,706 |
| Average total loans | $349,935,000 | 1,436 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 3,618 |
| Cost of funding earning assets | 0.1226% | 5,236 |
| Net interest margin | 4.0177% | 1,931 |
| Noninterest income to average assets | 0.7095% | 1,817 |
| Noninterest expense to average assets | 3.1774% | 1,605 |
| Loan and lease loss provision to assets | 0.0199% | 3,766 |
| Net operating income to assets | 0.9342% | 3,310 |
| Return on assets (ROA) | 0.9342% | 3,303 |
| Pretax return on assets | 1.2248% | 2,792 |
| Return on Equity (ROE) | 10.6079% | 2,241 |
| Retained earnings to average equity (ytd only) | 5.3062% | 2,596 |
| Net charge-offs to loans | 0.1360% | 1,393 |
| Credit loss provision to net charge-offs | 21.5054% | 3,394 |
| Earnings coverage of net charge-offs (x) | 13.4731% | 2,454 |
| Efficiency ratio | 71.8528% | 1,924 |
| Assets per employee ($millions) | 3.3428% | 4,705 |
| Cash dividends to net income (ytd only)* | 49.9787% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 4,490 |
| Loan loss allowance to noncurrent loans | 466.0656% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 2,081 |
| Noncurrent loans to loans | 0.1745% | 3,968 |
| Net loans and leases to total assets | 68.6838% | 2,782 |
| Net loans and leases to deposits | 77.2015% | 3,256 |
| Net loans and leases to core deposits | 78.3295% | 3,550 |
| Total domestic deposits to total assets | 88.9669% | 876 |
| Equity capital to assets | 8.8777% | 4,675 |
| Core capital (leverage) ratio | 9.2028% | 4,455 |
| Tier 1 risk-based capital ratio | 13.3024% | 3,657 |
| Total risk-based capital ratio | 14.1056% | 3,825 |
| Memoranda: | ||
| Average total assets | $503,340,800 | 1,403 |
| Average earning assets | $465,113,200 | 1,404 |
| Average equity | $44,325,600 | 1,680 |
| Average total loans | $341,839,000 | 1,430 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 3,706 |
| Cost of funding earning assets | 0.1232% | 5,295 |
| Net interest margin | 3.9555% | 2,106 |
| Noninterest income to average assets | 0.8952% | 1,218 |
| Noninterest expense to average assets | 3.2401% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9967% | 3,098 |
| Return on assets (ROA) | 0.9967% | 3,110 |
| Pretax return on assets | 1.3063% | 2,603 |
| Return on Equity (ROE) | 11.3411% | 2,038 |
| Retained earnings to average equity (ytd only) | 6.6659% | 2,300 |
| Net charge-offs to loans | 0.1043% | 1,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 18.5262% | 2,048 |
| Efficiency ratio | 71.2670% | 2,002 |
| Assets per employee ($millions) | 3.2273% | 4,857 |
| Cash dividends to net income (ytd only)* | 41.2235% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 4,442 |
| Loan loss allowance to noncurrent loans | 398.1055% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 1,649 |
| Noncurrent loans to loans | 0.2149% | 3,936 |
| Net loans and leases to total assets | 68.1440% | 2,909 |
| Net loans and leases to deposits | 76.4121% | 3,376 |
| Net loans and leases to core deposits | 77.5365% | 3,693 |
| Total domestic deposits to total assets | 89.1796% | 782 |
| Equity capital to assets | 9.0065% | 4,546 |
| Core capital (leverage) ratio | 9.3583% | 4,323 |
| Tier 1 risk-based capital ratio | 13.5273% | 3,612 |
| Total risk-based capital ratio | 14.3748% | 3,743 |
| Memoranda: | ||
| Average total assets | $502,983,500 | 1,407 |
| Average earning assets | $464,284,000 | 1,408 |
| Average equity | $44,204,000 | 1,691 |
| Average total loans | $339,914,250 | 1,439 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,752 |
| Cost of funding earning assets | 0.1248% | 5,330 |
| Net interest margin | 3.8864% | 2,256 |
| Noninterest income to average assets | 0.8990% | 1,185 |
| Noninterest expense to average assets | 3.1887% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9879% | 3,075 |
| Return on assets (ROA) | 0.9879% | 3,077 |
| Pretax return on assets | 1.2943% | 2,536 |
| Return on Equity (ROE) | 11.3340% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.3250% | 2,400 |
| Net charge-offs to loans | 0.1211% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.9073% | 2,013 |
| Efficiency ratio | 71.1288% | 2,141 |
| Assets per employee ($millions) | 3.3129% | 4,801 |
| Cash dividends to net income (ytd only)* | 44.1945% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 4,412 |
| Loan loss allowance to noncurrent loans | 425.3541% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 1.0469% | 1,428 |
| Noncurrent loans to loans | 0.2075% | 3,981 |
| Net loans and leases to total assets | 66.1075% | 3,133 |
| Net loans and leases to deposits | 73.9823% | 3,532 |
| Net loans and leases to core deposits | 75.0585% | 3,807 |
| Total domestic deposits to total assets | 89.3559% | 787 |
| Equity capital to assets | 8.7011% | 4,804 |
| Core capital (leverage) ratio | 9.1034% | 4,586 |
| Tier 1 risk-based capital ratio | 13.3312% | 3,715 |
| Total risk-based capital ratio | 14.1989% | 3,842 |
| Memoranda: | ||
| Average total assets | $503,901,670 | 1,402 |
| Average earning assets | $464,698,670 | 1,406 |
| Average equity | $43,921,000 | 1,707 |
| Average total loans | $338,613,000 | 1,448 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 3,967 |
| Cost of funding earning assets | 0.1274% | 5,363 |
| Net interest margin | 3.7594% | 2,580 |
| Noninterest income to average assets | 0.8779% | 1,209 |
| Noninterest expense to average assets | 3.1600% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9058% | 3,263 |
| Return on assets (ROA) | 0.9058% | 3,271 |
| Pretax return on assets | 1.1830% | 2,828 |
| Return on Equity (ROE) | 10.3833% | 2,240 |
| Retained earnings to average equity (ytd only) | 3.0582% | 3,982 |
| Net charge-offs to loans | 0.2155% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.1374% | 2,049 |
| Efficiency ratio | 72.7607% | 2,078 |
| Assets per employee ($millions) | 3.3361% | 4,857 |
| Cash dividends to net income (ytd only)* | 70.5467% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 4,472 |
| Loan loss allowance to noncurrent loans | 594.6955% | 946 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 1,308 |
| Noncurrent loans to loans | 0.1504% | 4,307 |
| Net loans and leases to total assets | 65.6966% | 3,089 |
| Net loans and leases to deposits | 73.2189% | 3,494 |
| Net loans and leases to core deposits | 74.2805% | 3,800 |
| Total domestic deposits to total assets | 89.7263% | 772 |
| Equity capital to assets | 8.4738% | 4,994 |
| Core capital (leverage) ratio | 9.0811% | 4,587 |
| Tier 1 risk-based capital ratio | 13.1458% | 3,880 |
| Total risk-based capital ratio | 14.0284% | 3,964 |
| Memoranda: | ||
| Average total assets | $500,757,500 | 1,423 |
| Average earning assets | $461,557,500 | 1,427 |
| Average equity | $43,685,500 | 1,717 |
| Average total loans | $337,781,000 | 1,456 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 3,460 |
| Cost of funding earning assets | 0.1418% | 5,311 |
| Net interest margin | 3.8417% | 2,283 |
| Noninterest income to average assets | 0.8589% | 1,385 |
| Noninterest expense to average assets | 3.2813% | 1,412 |
| Loan and lease loss provision to assets | -0.4552% | 5,645 |
| Net operating income to assets | 0.8427% | 2,983 |
| Return on assets (ROA) | 0.8427% | 3,009 |
| Pretax return on assets | 1.5592% | 1,420 |
| Return on Equity (ROE) | 9.3505% | 2,155 |
| Retained earnings to average equity (ytd only) | 5.6773% | 1,722 |
| Net charge-offs to loans | -0.1671% | 5,487 |
| Credit loss provision to net charge-offs | 392.1569% | 773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8243% | 1,785 |
| Assets per employee ($millions) | 3.1642% | 5,065 |
| Cash dividends to net income (ytd only)* | 39.2831% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 4,201 |
| Loan loss allowance to noncurrent loans | 408.6624% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 1,112 |
| Noncurrent loans to loans | 0.2328% | 3,970 |
| Net loans and leases to total assets | 68.1005% | 2,803 |
| Net loans and leases to deposits | 76.4141% | 3,289 |
| Net loans and leases to core deposits | 77.5665% | 3,622 |
| Total domestic deposits to total assets | 89.1204% | 951 |
| Equity capital to assets | 8.9956% | 4,726 |
| Core capital (leverage) ratio | 9.0675% | 4,561 |
| Tier 1 risk-based capital ratio | 13.4106% | 3,681 |
| Total risk-based capital ratio | 14.3781% | 3,747 |
| Memoranda: | ||
| Average total assets | $483,319,000 | 1,446 |
| Average earning assets | $443,660,000 | 1,455 |
| Average equity | $43,559,400 | 1,705 |
| Average total loans | $335,635,600 | 1,427 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,422 |
| Cost of funding earning assets | 0.1454% | 5,338 |
| Net interest margin | 3.8337% | 2,271 |
| Noninterest income to average assets | 0.8154% | 1,531 |
| Noninterest expense to average assets | 3.3032% | 1,341 |
| Loan and lease loss provision to assets | -0.2769% | 5,689 |
| Net operating income to assets | 0.8531% | 3,259 |
| Return on assets (ROA) | 0.8531% | 3,307 |
| Pretax return on assets | 1.3075% | 2,445 |
| Return on Equity (ROE) | 9.4610% | 2,376 |
| Retained earnings to average equity (ytd only) | 7.3114% | 1,532 |
| Net charge-offs to loans | -0.1145% | 5,413 |
| Credit loss provision to net charge-offs | 347.2222% | 870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2203% | 1,560 |
| Assets per employee ($millions) | 3.1264% | 5,153 |
| Cash dividends to net income (ytd only)* | 22.7199% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,874 |
| Loan loss allowance to noncurrent loans | 375.9091% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 1,005 |
| Noncurrent loans to loans | 0.3218% | 3,798 |
| Net loans and leases to total assets | 68.3694% | 2,785 |
| Net loans and leases to deposits | 76.6058% | 3,315 |
| Net loans and leases to core deposits | 77.7479% | 3,660 |
| Total domestic deposits to total assets | 89.2484% | 765 |
| Equity capital to assets | 9.0683% | 4,852 |
| Core capital (leverage) ratio | 9.1000% | 4,632 |
| Tier 1 risk-based capital ratio | 13.2086% | 3,872 |
| Total risk-based capital ratio | 14.4428% | 3,797 |
| Memoranda: | ||
| Average total assets | $481,536,250 | 1,464 |
| Average earning assets | $441,925,250 | 1,468 |
| Average equity | $43,419,500 | 1,725 |
| Average total loans | $335,242,750 | 1,436 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 3,437 |
| Cost of funding earning assets | 0.1474% | 5,354 |
| Net interest margin | 3.7866% | 2,339 |
| Noninterest income to average assets | 0.8412% | 1,437 |
| Noninterest expense to average assets | 3.3729% | 1,218 |
| Loan and lease loss provision to assets | -0.4189% | 5,753 |
| Net operating income to assets | 0.8815% | 3,015 |
| Return on assets (ROA) | 0.8815% | 3,071 |
| Pretax return on assets | 1.3632% | 2,154 |
| Return on Equity (ROE) | 9.7949% | 2,127 |
| Retained earnings to average equity (ytd only) | 9.7949% | 623 |
| Net charge-offs to loans | -0.1916% | 5,569 |
| Credit loss provision to net charge-offs | 313.4796% | 932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1271% | 1,448 |
| Assets per employee ($millions) | 3.2330% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,837 |
| Loan loss allowance to noncurrent loans | 363.5253% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 1.9892% | 646 |
| Noncurrent loans to loans | 0.3381% | 3,834 |
| Net loans and leases to total assets | 68.5838% | 2,727 |
| Net loans and leases to deposits | 77.3624% | 3,175 |
| Net loans and leases to core deposits | 78.4444% | 3,559 |
| Total domestic deposits to total assets | 88.6526% | 1,131 |
| Equity capital to assets | 9.1013% | 4,804 |
| Core capital (leverage) ratio | 9.0820% | 4,632 |
| Tier 1 risk-based capital ratio | 12.9563% | 4,026 |
| Total risk-based capital ratio | 14.1909% | 3,956 |
| Memoranda: | ||
| Average total assets | $477,391,330 | 1,475 |
| Average earning assets | $438,233,000 | 1,490 |
| Average equity | $42,961,000 | 1,740 |
| Average total loans | $333,037,000 | 1,445 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9436% | 3,228 |
| Cost of funding earning assets | 0.1518% | 5,358 |
| Net interest margin | 3.7918% | 2,143 |
| Noninterest income to average assets | 0.9051% | 1,221 |
| Noninterest expense to average assets | 3.4229% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6314% | 4,011 |
| Return on assets (ROA) | 0.6314% | 4,058 |
| Pretax return on assets | 0.9542% | 3,573 |
| Return on Equity (ROE) | 7.0573% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.0573% | 1,828 |
| Net charge-offs to loans | 0.1442% | 1,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.4622% | 1,992 |
| Efficiency ratio | 78.1994% | 1,606 |
| Assets per employee ($millions) | 3.2092% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 2,001 |
| Loan loss allowance to noncurrent loans | 333.8277% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 520 |
| Noncurrent loans to loans | 0.4249% | 3,571 |
| Net loans and leases to total assets | 68.2449% | 2,639 |
| Net loans and leases to deposits | 76.7852% | 3,103 |
| Net loans and leases to core deposits | 77.8763% | 3,478 |
| Total domestic deposits to total assets | 88.8776% | 1,209 |
| Equity capital to assets | 8.8560% | 4,949 |
| Core capital (leverage) ratio | 8.8802% | 4,869 |
| Tier 1 risk-based capital ratio | 12.5281% | 4,373 |
| Total risk-based capital ratio | 13.7806% | 4,276 |
| Memoranda: | ||
| Average total assets | $471,995,000 | 1,496 |
| Average earning assets | $432,199,000 | 1,518 |
| Average equity | $42,226,000 | 1,769 |
| Average total loans | $330,065,000 | 1,458 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 2,989 |
| Cost of funding earning assets | 0.1827% | 5,183 |
| Net interest margin | 3.8771% | 2,038 |
| Noninterest income to average assets | 0.7096% | 2,133 |
| Noninterest expense to average assets | 3.2051% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6589% | 3,959 |
| Return on assets (ROA) | 0.6589% | 4,076 |
| Pretax return on assets | 1.0333% | 3,350 |
| Return on Equity (ROE) | 7.4551% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.4551% | 1,055 |
| Net charge-offs to loans | 0.0515% | 3,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 28.3491% | 1,474 |
| Efficiency ratio | 75.6208% | 2,041 |
| Assets per employee ($millions) | 3.0636% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,737 |
| Loan loss allowance to noncurrent loans | 252.4479% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 2.6874% | 424 |
| Noncurrent loans to loans | 0.5874% | 3,089 |
| Net loans and leases to total assets | 69.6134% | 2,537 |
| Net loans and leases to deposits | 78.2128% | 3,078 |
| Net loans and leases to core deposits | 79.4187% | 3,446 |
| Total domestic deposits to total assets | 89.0052% | 1,117 |
| Equity capital to assets | 9.0402% | 4,772 |
| Core capital (leverage) ratio | 8.8406% | 4,921 |
| Tier 1 risk-based capital ratio | 12.2740% | 4,520 |
| Total risk-based capital ratio | 13.5285% | 4,398 |
| Memoranda: | ||
| Average total assets | $463,673,400 | 1,471 |
| Average earning assets | $422,011,400 | 1,494 |
| Average equity | $40,978,600 | 1,812 |
| Average total loans | $328,054,800 | 1,418 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 3,064 |
| Cost of funding earning assets | 0.1919% | 5,155 |
| Net interest margin | 3.8513% | 2,156 |
| Noninterest income to average assets | 0.7702% | 1,882 |
| Noninterest expense to average assets | 3.3029% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6199% | 4,213 |
| Return on assets (ROA) | 0.6199% | 4,334 |
| Pretax return on assets | 0.9691% | 3,742 |
| Return on Equity (ROE) | 7.0544% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.0544% | 1,599 |
| Net charge-offs to loans | 0.0252% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 54.3902% | 1,014 |
| Efficiency ratio | 77.3158% | 1,791 |
| Assets per employee ($millions) | 3.0630% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,726 |
| Loan loss allowance to noncurrent loans | 204.8387% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 2.8208% | 441 |
| Noncurrent loans to loans | 0.7374% | 2,831 |
| Net loans and leases to total assets | 69.3707% | 2,592 |
| Net loans and leases to deposits | 77.7007% | 3,218 |
| Net loans and leases to core deposits | 79.0327% | 3,546 |
| Total domestic deposits to total assets | 89.2794% | 763 |
| Equity capital to assets | 9.0360% | 5,142 |
| Core capital (leverage) ratio | 8.5595% | 5,306 |
| Tier 1 risk-based capital ratio | 11.8747% | 4,868 |
| Total risk-based capital ratio | 13.1345% | 4,760 |
| Memoranda: | ||
| Average total assets | $463,939,500 | 1,471 |
| Average earning assets | $421,839,250 | 1,495 |
| Average equity | $40,768,000 | 1,833 |
| Average total loans | $328,347,250 | 1,424 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 3,031 |
| Cost of funding earning assets | 0.1998% | 5,149 |
| Net interest margin | 3.8585% | 2,113 |
| Noninterest income to average assets | 0.7903% | 1,756 |
| Noninterest expense to average assets | 3.2340% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6698% | 3,960 |
| Return on assets (ROA) | 0.6698% | 4,095 |
| Pretax return on assets | 1.0574% | 3,373 |
| Return on Equity (ROE) | 7.6957% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.6957% | 1,292 |
| Net charge-offs to loans | -0.0463% | 5,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3595% | 2,171 |
| Assets per employee ($millions) | 3.1648% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 1,664 |
| Loan loss allowance to noncurrent loans | 169.7333% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 3.2187% | 368 |
| Noncurrent loans to loans | 0.9149% | 2,449 |
| Net loans and leases to total assets | 68.9230% | 2,644 |
| Net loans and leases to deposits | 77.5776% | 3,201 |
| Net loans and leases to core deposits | 79.0976% | 3,541 |
| Total domestic deposits to total assets | 88.8439% | 992 |
| Equity capital to assets | 8.7886% | 5,411 |
| Core capital (leverage) ratio | 8.3162% | 5,522 |
| Tier 1 risk-based capital ratio | 11.8462% | 4,942 |
| Total risk-based capital ratio | 13.1064% | 4,818 |
| Memoranda: | ||
| Average total assets | $463,392,670 | 1,482 |
| Average earning assets | $420,476,330 | 1,504 |
| Average equity | $40,334,000 | 1,842 |
| Average total loans | $328,486,670 | 1,420 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 2,990 |
| Cost of funding earning assets | 0.2021% | 5,184 |
| Net interest margin | 3.8612% | 2,064 |
| Noninterest income to average assets | 0.9712% | 1,147 |
| Noninterest expense to average assets | 3.3422% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7151% | 3,636 |
| Return on assets (ROA) | 0.7151% | 3,754 |
| Pretax return on assets | 1.1282% | 2,979 |
| Return on Equity (ROE) | 8.2568% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.2568% | 1,351 |
| Net charge-offs to loans | -0.2531% | 5,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7622% | 2,362 |
| Assets per employee ($millions) | 3.1946% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 1,634 |
| Loan loss allowance to noncurrent loans | 133.5037% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 3.5329% | 313 |
| Noncurrent loans to loans | 1.1899% | 2,036 |
| Net loans and leases to total assets | 69.8630% | 2,363 |
| Net loans and leases to deposits | 79.6033% | 2,852 |
| Net loans and leases to core deposits | 81.6676% | 3,157 |
| Total domestic deposits to total assets | 87.7640% | 1,768 |
| Equity capital to assets | 8.7634% | 5,372 |
| Core capital (leverage) ratio | 8.2466% | 5,614 |
| Tier 1 risk-based capital ratio | 11.4051% | 5,277 |
| Total risk-based capital ratio | 12.6664% | 5,180 |
| Memoranda: | ||
| Average total assets | $460,893,500 | 1,489 |
| Average earning assets | $417,695,000 | 1,518 |
| Average equity | $39,918,500 | 1,852 |
| Average total loans | $328,769,500 | 1,408 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 3,101 |
| Cost of funding earning assets | 0.6611% | 1,015 |
| Net interest margin | 3.3922% | 3,943 |
| Noninterest income to average assets | 1.1778% | 860 |
| Noninterest expense to average assets | 3.3039% | 1,707 |
| Loan and lease loss provision to assets | 0.0200% | 4,001 |
| Net operating income to assets | 1.2038% | 1,530 |
| Return on assets (ROA) | 1.2196% | 1,547 |
| Pretax return on assets | 0.8671% | 3,963 |
| Return on Equity (ROE) | 16.8708% | 468 |
| Retained earnings to average equity (ytd only) | 16.8708% | 95 |
| Net charge-offs to loans | 0.1241% | 2,128 |
| Credit loss provision to net charge-offs | 23.7530% | 3,714 |
| Earnings coverage of net charge-offs (x) | 10.3515% | 2,693 |
| Efficiency ratio | 79.1314% | 1,798 |
| Assets per employee ($millions) | 3.2990% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,876 |
| Loan loss allowance to noncurrent loans | 131.5845% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 3.6302% | 315 |
| Noncurrent loans to loans | 1.1597% | 2,035 |
| Net loans and leases to total assets | 70.5850% | 2,281 |
| Net loans and leases to deposits | 78.9079% | 2,951 |
| Net loans and leases to core deposits | 81.2502% | 3,222 |
| Total domestic deposits to total assets | 89.4523% | 886 |
| Equity capital to assets | 8.5578% | 5,509 |
| Core capital (leverage) ratio | 7.5696% | 5,962 |
| Tier 1 risk-based capital ratio | 11.0368% | 5,505 |
| Total risk-based capital ratio | 12.2984% | 5,397 |
| Memoranda: | ||
| Average total assets | $500,168,800 | 1,346 |
| Average earning assets | $441,959,800 | 1,404 |
| Average equity | $36,157,200 | 1,973 |
| Average total loans | $339,235,800 | 1,320 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,263 |
| Cost of funding earning assets | 0.8009% | 496 |
| Net interest margin | 3.2182% | 4,618 |
| Noninterest income to average assets | 0.8670% | 1,560 |
| Noninterest expense to average assets | 3.2332% | 1,875 |
| Loan and lease loss provision to assets | 0.0261% | 3,746 |
| Net operating income to assets | 1.0566% | 2,190 |
| Return on assets (ROA) | 1.0772% | 2,190 |
| Pretax return on assets | 0.4562% | 5,336 |
| Return on Equity (ROE) | 15.5426% | 660 |
| Retained earnings to average equity (ytd only) | 15.5426% | 148 |
| Net charge-offs to loans | 0.1334% | 1,800 |
| Credit loss provision to net charge-offs | 29.2398% | 3,277 |
| Earnings coverage of net charge-offs (x) | 5.1696% | 3,242 |
| Efficiency ratio | 87.5044% | 891 |
| Assets per employee ($millions) | 3.2554% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 2,042 |
| Loan loss allowance to noncurrent loans | 171.8381% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 3.3055% | 411 |
| Noncurrent loans to loans | 0.8888% | 2,757 |
| Net loans and leases to total assets | 66.3859% | 2,950 |
| Net loans and leases to deposits | 72.9342% | 3,656 |
| Net loans and leases to core deposits | 74.8293% | 3,925 |
| Total domestic deposits to total assets | 91.0216% | 238 |
| Equity capital to assets | 7.5470% | 6,067 |
| Core capital (leverage) ratio | 7.0588% | 6,121 |
| Tier 1 risk-based capital ratio | 9.9767% | 6,048 |
| Total risk-based capital ratio | 11.2386% | 5,999 |
| Memoranda: | ||
| Average total assets | $510,569,750 | 1,320 |
| Average earning assets | $448,650,500 | 1,386 |
| Average equity | $35,385,750 | 2,021 |
| Average total loans | $341,871,250 | 1,316 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 3,202 |
| Cost of funding earning assets | 0.7905% | 528 |
| Net interest margin | 3.2295% | 4,565 |
| Noninterest income to average assets | 0.9298% | 1,354 |
| Noninterest expense to average assets | 3.1550% | 2,107 |
| Loan and lease loss provision to assets | 0.0388% | 3,340 |
| Net operating income to assets | 0.8158% | 3,304 |
| Return on assets (ROA) | 0.8453% | 3,254 |
| Pretax return on assets | 0.5866% | 5,010 |
| Return on Equity (ROE) | 12.5529% | 1,206 |
| Retained earnings to average equity (ytd only) | 12.5529% | 347 |
| Net charge-offs to loans | 0.2083% | 1,216 |
| Credit loss provision to net charge-offs | 27.8552% | 2,945 |
| Earnings coverage of net charge-offs (x) | 4.2813% | 3,065 |
| Efficiency ratio | 84.1121% | 1,254 |
| Assets per employee ($millions) | 3.3930% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 2,361 |
| Loan loss allowance to noncurrent loans | 164.0711% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 3.3907% | 431 |
| Noncurrent loans to loans | 0.9050% | 2,859 |
| Net loans and leases to total assets | 67.0943% | 2,779 |
| Net loans and leases to deposits | 75.3735% | 3,331 |
| Net loans and leases to core deposits | 77.3393% | 3,637 |
| Total domestic deposits to total assets | 89.0158% | 1,131 |
| Equity capital to assets | 7.0757% | 6,180 |
| Core capital (leverage) ratio | 6.5815% | 6,235 |
| Tier 1 risk-based capital ratio | 8.9637% | 6,261 |
| Total risk-based capital ratio | 10.2203% | 6,244 |
| Memoranda: | ||
| Average total assets | $515,820,000 | 1,322 |
| Average earning assets | $450,598,670 | 1,392 |
| Average equity | $34,733,000 | 2,075 |
| Average total loans | $344,633,330 | 1,314 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,342 |
| Cost of funding earning assets | 0.3785% | 3,544 |
| Net interest margin | 3.5908% | 3,047 |
| Noninterest income to average assets | 0.9222% | 1,320 |
| Noninterest expense to average assets | 3.0154% | 2,537 |
| Loan and lease loss provision to assets | 0.0383% | 3,142 |
| Net operating income to assets | 1.5781% | 739 |
| Return on assets (ROA) | 1.5781% | 774 |
| Pretax return on assets | 0.9758% | 3,577 |
| Return on Equity (ROE) | 24.0232% | 126 |
| Retained earnings to average equity (ytd only) | 24.0232% | 53 |
| Net charge-offs to loans | 0.0960% | 1,761 |
| Credit loss provision to net charge-offs | 60.2410% | 1,995 |
| Earnings coverage of net charge-offs (x) | 15.9639% | 1,598 |
| Efficiency ratio | 74.8338% | 2,682 |
| Assets per employee ($millions) | 3.4883% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 2,276 |
| Loan loss allowance to noncurrent loans | 133.8128% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 3.4563% | 485 |
| Noncurrent loans to loans | 1.1514% | 2,466 |
| Net loans and leases to total assets | 63.9153% | 3,099 |
| Net loans and leases to deposits | 74.4843% | 3,241 |
| Net loans and leases to core deposits | 76.4498% | 3,543 |
| Total domestic deposits to total assets | 85.8104% | 3,034 |
| Equity capital to assets | 6.6490% | 6,294 |
| Core capital (leverage) ratio | 6.4262% | 6,304 |
| Tier 1 risk-based capital ratio | 8.5610% | 6,337 |
| Total risk-based capital ratio | 9.8136% | 6,337 |
| Memoranda: | ||
| Average total assets | $522,647,000 | 1,311 |
| Average earning assets | $452,268,000 | 1,389 |
| Average equity | $34,333,500 | 2,111 |
| Average total loans | $345,948,500 | 1,308 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 2,954 |
| Cost of funding earning assets | 0.4923% | 2,747 |
| Net interest margin | 3.7089% | 2,978 |
| Noninterest income to average assets | 0.6727% | 2,440 |
| Noninterest expense to average assets | 3.4211% | 1,656 |
| Loan and lease loss provision to assets | 0.1366% | 1,926 |
| Net operating income to assets | 0.9434% | 2,657 |
| Return on assets (ROA) | 0.9893% | 2,518 |
| Pretax return on assets | 0.3528% | 5,599 |
| Return on Equity (ROE) | 17.2843% | 463 |
| Retained earnings to average equity (ytd only) | 17.2843% | 99 |
| Net charge-offs to loans | 0.7882% | 446 |
| Credit loss provision to net charge-offs | 25.6598% | 3,909 |
| Earnings coverage of net charge-offs (x) | 0.8332% | 4,557 |
| Efficiency ratio | 88.5219% | 949 |
| Assets per employee ($millions) | 3.3886% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 2,321 |
| Loan loss allowance to noncurrent loans | 99.5337% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 3.8492% | 452 |
| Noncurrent loans to loans | 1.5419% | 1,903 |
| Net loans and leases to total assets | 66.4694% | 2,812 |
| Net loans and leases to deposits | 77.3958% | 3,037 |
| Net loans and leases to core deposits | 79.4996% | 3,346 |
| Total domestic deposits to total assets | 85.8824% | 2,903 |
| Equity capital to assets | 6.4869% | 6,379 |
| Core capital (leverage) ratio | 5.8941% | 6,411 |
| Tier 1 risk-based capital ratio | 8.2344% | 6,438 |
| Total risk-based capital ratio | 9.4894% | 6,439 |
| Memoranda: | ||
| Average total assets | $512,402,400 | 1,309 |
| Average earning assets | $440,992,400 | 1,390 |
| Average equity | $29,327,200 | 2,317 |
| Average total loans | $346,093,000 | 1,274 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 3,035 |
| Cost of funding earning assets | 0.4814% | 2,947 |
| Net interest margin | 3.7070% | 2,998 |
| Noninterest income to average assets | 0.7449% | 2,117 |
| Noninterest expense to average assets | 3.5721% | 1,343 |
| Loan and lease loss provision to assets | 0.1355% | 1,839 |
| Net operating income to assets | 0.2169% | 5,816 |
| Return on assets (ROA) | 0.2757% | 5,727 |
| Pretax return on assets | 0.2869% | 5,797 |
| Return on Equity (ROE) | 4.9835% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.9835% | 3,090 |
| Net charge-offs to loans | 0.5916% | 629 |
| Credit loss provision to net charge-offs | 33.8983% | 3,391 |
| Earnings coverage of net charge-offs (x) | 0.9035% | 4,280 |
| Efficiency ratio | 90.8188% | 785 |
| Assets per employee ($millions) | 3.3508% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8287% | 1,635 |
| Loan loss allowance to noncurrent loans | 94.5793% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 4.4801% | 407 |
| Noncurrent loans to loans | 1.9335% | 1,654 |
| Net loans and leases to total assets | 66.5044% | 2,771 |
| Net loans and leases to deposits | 76.4701% | 3,131 |
| Net loans and leases to core deposits | 78.8492% | 3,457 |
| Total domestic deposits to total assets | 86.9678% | 2,339 |
| Equity capital to assets | 5.6602% | 6,502 |
| Core capital (leverage) ratio | 5.6612% | 6,497 |
| Tier 1 risk-based capital ratio | 7.0227% | 6,536 |
| Total risk-based capital ratio | 8.2782% | 6,535 |
| Memoranda: | ||
| Average total assets | $511,736,250 | 1,326 |
| Average earning assets | $440,131,500 | 1,403 |
| Average equity | $28,306,000 | 2,399 |
| Average total loans | $345,691,750 | 1,278 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 2,910 |
| Cost of funding earning assets | 0.4667% | 3,142 |
| Net interest margin | 3.7442% | 2,784 |
| Noninterest income to average assets | 0.7051% | 2,257 |
| Noninterest expense to average assets | 3.5610% | 1,365 |
| Loan and lease loss provision to assets | 0.2034% | 1,181 |
| Net operating income to assets | 0.1537% | 5,946 |
| Return on assets (ROA) | 0.2159% | 5,850 |
| Pretax return on assets | 0.2159% | 5,924 |
| Return on Equity (ROE) | 3.9332% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.9332% | 3,679 |
| Net charge-offs to loans | 0.5540% | 735 |
| Credit loss provision to net charge-offs | 54.3933% | 2,726 |
| Earnings coverage of net charge-offs (x) | 0.9550% | 3,929 |
| Efficiency ratio | 90.8873% | 841 |
| Assets per employee ($millions) | 3.4068% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0006% | 1,357 |
| Loan loss allowance to noncurrent loans | 81.2405% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 5.1928% | 339 |
| Noncurrent loans to loans | 2.4625% | 1,269 |
| Net loans and leases to total assets | 65.9810% | 2,750 |
| Net loans and leases to deposits | 76.0025% | 3,057 |
| Net loans and leases to core deposits | 78.4457% | 3,383 |
| Total domestic deposits to total assets | 86.8143% | 2,572 |
| Equity capital to assets | 5.5723% | 6,560 |
| Core capital (leverage) ratio | 5.5338% | 6,564 |
| Tier 1 risk-based capital ratio | 6.8536% | 6,600 |
| Total risk-based capital ratio | 8.1103% | 6,601 |
| Memoranda: | ||
| Average total assets | $511,425,000 | 1,322 |
| Average earning assets | $438,870,330 | 1,404 |
| Average equity | $28,068,670 | 2,405 |
| Average total loans | $345,156,000 | 1,273 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 2,722 |
| Cost of funding earning assets | 0.4584% | 3,328 |
| Net interest margin | 3.7806% | 2,550 |
| Noninterest income to average assets | 0.9319% | 1,301 |
| Noninterest expense to average assets | 3.6115% | 1,289 |
| Loan and lease loss provision to assets | 0.3059% | 624 |
| Net operating income to assets | 0.2494% | 5,665 |
| Return on assets (ROA) | 0.2494% | 5,709 |
| Pretax return on assets | 0.2494% | 5,830 |
| Return on Equity (ROE) | 4.5804% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.5804% | 3,373 |
| Net charge-offs to loans | 0.7267% | 478 |
| Credit loss provision to net charge-offs | 62.3003% | 2,082 |
| Earnings coverage of net charge-offs (x) | 1.1310% | 3,172 |
| Efficiency ratio | 86.6717% | 1,376 |
| Assets per employee ($millions) | 3.4077% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 1,381 |
| Loan loss allowance to noncurrent loans | 95.5368% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 5.3000% | 370 |
| Noncurrent loans to loans | 2.1683% | 1,686 |
| Net loans and leases to total assets | 65.4870% | 2,639 |
| Net loans and leases to deposits | 75.3163% | 2,898 |
| Net loans and leases to core deposits | 77.6917% | 3,233 |
| Total domestic deposits to total assets | 86.9493% | 2,845 |
| Equity capital to assets | 5.4551% | 6,608 |
| Core capital (leverage) ratio | 5.4397% | 6,626 |
| Tier 1 risk-based capital ratio | 6.6124% | 6,665 |
| Total risk-based capital ratio | 7.8691% | 6,666 |
| Memoranda: | ||
| Average total assets | $509,926,500 | 1,326 |
| Average earning assets | $436,329,500 | 1,416 |
| Average equity | $27,770,500 | 2,422 |
| Average total loans | $344,559,000 | 1,273 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,479 |
| Cost of funding earning assets | 0.5743% | 2,890 |
| Net interest margin | 3.8538% | 2,463 |
| Noninterest income to average assets | 0.4107% | 4,369 |
| Noninterest expense to average assets | 3.3877% | 1,910 |
| Loan and lease loss provision to assets | 0.1052% | 3,037 |
| Net operating income to assets | 0.2021% | 5,811 |
| Return on assets (ROA) | 0.2087% | 5,867 |
| Pretax return on assets | 0.2185% | 5,904 |
| Return on Equity (ROE) | 4.0083% | 5,105 |
| Retained earnings to average equity (ytd only) | 4.0083% | 3,338 |
| Net charge-offs to loans | 0.6801% | 956 |
| Credit loss provision to net charge-offs | 22.9645% | 4,390 |
| Earnings coverage of net charge-offs (x) | 0.6914% | 4,855 |
| Efficiency ratio | 91.4485% | 913 |
| Assets per employee ($millions) | 3.3686% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1347% | 1,275 |
| Loan loss allowance to noncurrent loans | 97.2919% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 5.6961% | 349 |
| Noncurrent loans to loans | 2.1941% | 1,782 |
| Net loans and leases to total assets | 66.8236% | 2,554 |
| Net loans and leases to deposits | 76.6526% | 2,899 |
| Net loans and leases to core deposits | 79.1537% | 3,222 |
| Total domestic deposits to total assets | 87.1773% | 2,635 |
| Equity capital to assets | 5.4367% | 6,659 |
| Core capital (leverage) ratio | 5.4261% | 6,694 |
| Tier 1 risk-based capital ratio | 6.7047% | 6,741 |
| Total risk-based capital ratio | 7.9620% | 6,741 |
| Memoranda: | ||
| Average total assets | $522,744,800 | 1,272 |
| Average earning assets | $446,784,400 | 1,357 |
| Average equity | $27,218,400 | 2,440 |
| Average total loans | $352,149,400 | 1,215 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 2,476 |
| Cost of funding earning assets | 0.5431% | 3,340 |
| Net interest margin | 3.8928% | 2,304 |
| Noninterest income to average assets | 0.3812% | 4,667 |
| Noninterest expense to average assets | 3.3963% | 1,833 |
| Loan and lease loss provision to assets | 0.0253% | 4,501 |
| Net operating income to assets | 0.2886% | 5,655 |
| Return on assets (ROA) | 0.2886% | 5,763 |
| Pretax return on assets | 0.2886% | 5,902 |
| Return on Equity (ROE) | 5.6022% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.6022% | 2,659 |
| Net charge-offs to loans | 0.5361% | 1,191 |
| Credit loss provision to net charge-offs | 7.0274% | 4,260 |
| Earnings coverage of net charge-offs (x) | 0.8721% | 4,563 |
| Efficiency ratio | 91.5394% | 882 |
| Assets per employee ($millions) | 3.4605% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2414% | 1,267 |
| Loan loss allowance to noncurrent loans | 87.9460% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 5.9775% | 406 |
| Noncurrent loans to loans | 2.5486% | 1,688 |
| Net loans and leases to total assets | 66.7137% | 2,519 |
| Net loans and leases to deposits | 77.0117% | 2,815 |
| Net loans and leases to core deposits | 79.5821% | 3,168 |
| Total domestic deposits to total assets | 86.6281% | 2,900 |
| Equity capital to assets | 5.2822% | 6,753 |
| Core capital (leverage) ratio | 5.4059% | 6,764 |
| Tier 1 risk-based capital ratio | 6.5609% | 6,814 |
| Total risk-based capital ratio | 7.8191% | 6,815 |
| Memoranda: | ||
| Average total assets | $527,108,500 | 1,274 |
| Average earning assets | $450,773,000 | 1,359 |
| Average equity | $27,155,250 | 2,465 |
| Average total loans | $353,932,250 | 1,208 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 2,532 |
| Cost of funding earning assets | 0.5450% | 3,465 |
| Net interest margin | 3.8631% | 2,334 |
| Noninterest income to average assets | 0.2554% | 5,622 |
| Noninterest expense to average assets | 3.4094% | 1,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1541% | 6,017 |
| Return on assets (ROA) | 0.1541% | 6,128 |
| Pretax return on assets | 0.1541% | 6,155 |
| Return on Equity (ROE) | 3.0153% | 5,616 |
| Retained earnings to average equity (ytd only) | 3.0153% | 4,400 |
| Net charge-offs to loans | 0.3423% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.6738% | 4,298 |
| Efficiency ratio | 95.6765% | 671 |
| Assets per employee ($millions) | 3.5296% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4201% | 1,071 |
| Loan loss allowance to noncurrent loans | 68.6209% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 6.4943% | 390 |
| Noncurrent loans to loans | 3.5268% | 1,197 |
| Net loans and leases to total assets | 66.4027% | 2,520 |
| Net loans and leases to deposits | 77.0210% | 2,721 |
| Net loans and leases to core deposits | 79.5223% | 3,082 |
| Total domestic deposits to total assets | 86.2138% | 3,254 |
| Equity capital to assets | 5.2173% | 6,810 |
| Core capital (leverage) ratio | 5.1558% | 6,816 |
| Tier 1 risk-based capital ratio | 6.3300% | 6,864 |
| Total risk-based capital ratio | 7.4285% | 6,868 |
| Memoranda: | ||
| Average total assets | $530,938,670 | 1,262 |
| Average earning assets | $454,666,000 | 1,341 |
| Average equity | $27,128,330 | 2,474 |
| Average total loans | $354,618,000 | 1,199 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 2,974 |
| Cost of funding earning assets | 0.5811% | 3,281 |
| Net interest margin | 3.6994% | 2,852 |
| Noninterest income to average assets | 0.7668% | 2,266 |
| Noninterest expense to average assets | 4.4595% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5239% | 6,683 |
| Return on assets (ROA) | -0.5239% | 6,708 |
| Pretax return on assets | -0.5239% | 6,682 |
| Return on Equity (ROE) | -10.3601% | 6,812 |
| Retained earnings to average equity (ytd only) | -10.3601% | 6,630 |
| Net charge-offs to loans | 0.5421% | 1,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.4604% | 3,996 |
| Efficiency ratio | 113.3118% | 282 |
| Assets per employee ($millions) | 3.5793% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4345% | 1,199 |
| Loan loss allowance to noncurrent loans | 61.5222% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 6.7110% | 434 |
| Noncurrent loans to loans | 3.9571% | 1,149 |
| Net loans and leases to total assets | 65.1651% | 2,519 |
| Net loans and leases to deposits | 75.0947% | 2,758 |
| Net loans and leases to core deposits | 77.6530% | 3,120 |
| Total domestic deposits to total assets | 86.7773% | 3,088 |
| Equity capital to assets | 4.9671% | 6,892 |
| Core capital (leverage) ratio | 4.9189% | 6,882 |
| Tier 1 risk-based capital ratio | 5.9677% | 6,929 |
| Total risk-based capital ratio | 7.2312% | 6,931 |
| Memoranda: | ||
| Average total assets | $535,218,500 | 1,264 |
| Average earning assets | $458,457,500 | 1,338 |
| Average equity | $27,065,500 | 2,517 |
| Average total loans | $354,188,500 | 1,202 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 2,909 |
| Cost of funding earning assets | 0.8438% | 2,338 |
| Net interest margin | 3.7784% | 3,324 |
| Noninterest income to average assets | 0.4035% | 4,579 |
| Noninterest expense to average assets | 3.3483% | 2,194 |
| Loan and lease loss provision to assets | 0.1167% | 4,167 |
| Net operating income to assets | 0.1591% | 5,869 |
| Return on assets (ROA) | 0.1591% | 6,032 |
| Pretax return on assets | 0.1591% | 6,054 |
| Return on Equity (ROE) | 3.3278% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.3278% | 3,880 |
| Net charge-offs to loans | 0.9108% | 1,246 |
| Credit loss provision to net charge-offs | 19.3050% | 5,299 |
| Earnings coverage of net charge-offs (x) | 0.4562% | 5,260 |
| Efficiency ratio | 92.3893% | 891 |
| Assets per employee ($millions) | 3.5334% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6331% | 989 |
| Loan loss allowance to noncurrent loans | 68.2374% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 6.7228% | 472 |
| Noncurrent loans to loans | 3.8587% | 1,254 |
| Net loans and leases to total assets | 63.8317% | 2,926 |
| Net loans and leases to deposits | 73.7476% | 3,139 |
| Net loans and leases to core deposits | 76.3829% | 3,480 |
| Total domestic deposits to total assets | 86.5542% | 3,074 |
| Equity capital to assets | 5.1473% | 6,943 |
| Core capital (leverage) ratio | 4.8977% | 6,943 |
| Tier 1 risk-based capital ratio | 6.1610% | 6,983 |
| Total risk-based capital ratio | 7.4263% | 6,985 |
| Memoranda: | ||
| Average total assets | $556,875,200 | 1,201 |
| Average earning assets | $474,666,000 | 1,282 |
| Average equity | $26,624,400 | 2,513 |
| Average total loans | $369,666,000 | 1,130 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 2,633 |
| Cost of funding earning assets | 0.8481% | 2,557 |
| Net interest margin | 3.8888% | 2,952 |
| Noninterest income to average assets | 0.7044% | 2,697 |
| Noninterest expense to average assets | 3.7823% | 1,239 |
| Loan and lease loss provision to assets | 0.1303% | 3,921 |
| Net operating income to assets | 0.1054% | 6,120 |
| Return on assets (ROA) | 0.1054% | 6,265 |
| Pretax return on assets | 0.1054% | 6,266 |
| Return on Equity (ROE) | 2.2462% | 5,960 |
| Retained earnings to average equity (ytd only) | 2.2462% | 5,215 |
| Net charge-offs to loans | 0.8552% | 1,287 |
| Credit loss provision to net charge-offs | 22.8881% | 4,908 |
| Earnings coverage of net charge-offs (x) | 0.4141% | 5,118 |
| Efficiency ratio | 94.1326% | 764 |
| Assets per employee ($millions) | 3.6630% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8182% | 871 |
| Loan loss allowance to noncurrent loans | 90.6669% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 6.3823% | 602 |
| Noncurrent loans to loans | 3.1083% | 1,789 |
| Net loans and leases to total assets | 62.3935% | 3,313 |
| Net loans and leases to deposits | 72.5735% | 3,520 |
| Net loans and leases to core deposits | 75.2429% | 3,818 |
| Total domestic deposits to total assets | 85.9729% | 3,275 |
| Equity capital to assets | 4.7625% | 7,063 |
| Core capital (leverage) ratio | 4.7629% | 7,043 |
| Tier 1 risk-based capital ratio | 5.9267% | 7,087 |
| Total risk-based capital ratio | 7.1929% | 7,088 |
| Memoranda: | ||
| Average total assets | $562,708,000 | 1,198 |
| Average earning assets | $479,483,750 | 1,286 |
| Average equity | $26,414,750 | 2,551 |
| Average total loans | $374,637,500 | 1,126 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 2,202 |
| Cost of funding earning assets | 0.8660% | 2,689 |
| Net interest margin | 4.0110% | 2,457 |
| Noninterest income to average assets | 0.6102% | 3,194 |
| Noninterest expense to average assets | 3.6580% | 1,453 |
| Loan and lease loss provision to assets | 0.1948% | 3,138 |
| Net operating income to assets | 0.1711% | 6,001 |
| Return on assets (ROA) | 0.1711% | 6,172 |
| Pretax return on assets | 0.1711% | 6,195 |
| Return on Equity (ROE) | 3.6617% | 5,414 |
| Retained earnings to average equity (ytd only) | 3.6617% | 4,159 |
| Net charge-offs to loans | 0.7987% | 1,378 |
| Credit loss provision to net charge-offs | 36.2080% | 4,336 |
| Earnings coverage of net charge-offs (x) | 0.6801% | 4,716 |
| Efficiency ratio | 90.9075% | 1,005 |
| Assets per employee ($millions) | 3.5771% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0100% | 775 |
| Loan loss allowance to noncurrent loans | 102.5454% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 6.7117% | 603 |
| Noncurrent loans to loans | 2.9353% | 2,040 |
| Net loans and leases to total assets | 62.8728% | 3,256 |
| Net loans and leases to deposits | 73.5876% | 3,360 |
| Net loans and leases to core deposits | 76.4029% | 3,727 |
| Total domestic deposits to total assets | 85.4394% | 3,648 |
| Equity capital to assets | 4.7241% | 7,107 |
| Core capital (leverage) ratio | 4.7445% | 7,088 |
| Tier 1 risk-based capital ratio | 5.7978% | 7,133 |
| Total risk-based capital ratio | 7.0657% | 7,136 |
| Memoranda: | ||
| Average total assets | $564,687,000 | 1,189 |
| Average earning assets | $480,583,000 | 1,289 |
| Average equity | $26,381,000 | 2,543 |
| Average total loans | $380,362,330 | 1,108 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 2,447 |
| Cost of funding earning assets | 0.9013% | 2,677 |
| Net interest margin | 3.9479% | 2,728 |
| Noninterest income to average assets | 0.7326% | 2,485 |
| Noninterest expense to average assets | 3.5597% | 1,646 |
| Loan and lease loss provision to assets | 0.1766% | 3,202 |
| Net operating income to assets | 0.3567% | 5,447 |
| Return on assets (ROA) | 0.3567% | 5,627 |
| Pretax return on assets | 0.3567% | 5,840 |
| Return on Equity (ROE) | 7.6789% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.6789% | 2,098 |
| Net charge-offs to loans | 0.8432% | 1,218 |
| Credit loss provision to net charge-offs | 30.5250% | 3,615 |
| Earnings coverage of net charge-offs (x) | 0.9219% | 3,865 |
| Efficiency ratio | 86.9693% | 1,380 |
| Assets per employee ($millions) | 3.6436% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9764% | 854 |
| Loan loss allowance to noncurrent loans | 86.5833% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 7.1795% | 578 |
| Noncurrent loans to loans | 3.4376% | 1,818 |
| Net loans and leases to total assets | 65.1374% | 2,625 |
| Net loans and leases to deposits | 76.1449% | 2,776 |
| Net loans and leases to core deposits | 79.0779% | 3,170 |
| Total domestic deposits to total assets | 85.5440% | 3,770 |
| Equity capital to assets | 4.6705% | 7,154 |
| Core capital (leverage) ratio | 4.7443% | 7,140 |
| Tier 1 risk-based capital ratio | 5.6099% | 7,184 |
| Total risk-based capital ratio | 6.8772% | 7,186 |
| Memoranda: | ||
| Average total assets | $566,228,500 | 1,192 |
| Average earning assets | $481,974,000 | 1,292 |
| Average equity | $26,306,000 | 2,547 |
| Average total loans | $388,516,500 | 1,092 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 3,933 |
| Cost of funding earning assets | 1.2004% | 2,021 |
| Net interest margin | 3.5722% | 4,839 |
| Noninterest income to average assets | 0.7160% | 2,513 |
| Noninterest expense to average assets | 4.1337% | 873 |
| Loan and lease loss provision to assets | 1.5929% | 445 |
| Net operating income to assets | -2.5351% | 7,120 |
| Return on assets (ROA) | -2.5351% | 7,126 |
| Pretax return on assets | -1.9188% | 7,005 |
| Return on Equity (ROE) | -44.6568% | 7,181 |
| Retained earnings to average equity (ytd only) | -44.6568% | 7,178 |
| Net charge-offs to loans | 2.0050% | 690 |
| Credit loss provision to net charge-offs | 110.3728% | 3,029 |
| Earnings coverage of net charge-offs (x) | -0.2258% | 5,970 |
| Efficiency ratio | 108.5585% | 460 |
| Assets per employee ($millions) | 3.3575% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0162% | 799 |
| Loan loss allowance to noncurrent loans | 74.7493% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 7.3071% | 615 |
| Noncurrent loans to loans | 4.0351% | 1,548 |
| Net loans and leases to total assets | 67.9908% | 2,395 |
| Net loans and leases to deposits | 79.3426% | 2,633 |
| Net loans and leases to core deposits | 82.6417% | 3,084 |
| Total domestic deposits to total assets | 85.6928% | 3,487 |
| Equity capital to assets | 4.6210% | 7,190 |
| Core capital (leverage) ratio | 4.4865% | 7,177 |
| Tier 1 risk-based capital ratio | 5.4374% | 7,226 |
| Total risk-based capital ratio | 6.7058% | 7,227 |
| Memoranda: | ||
| Average total assets | $615,235,400 | 1,057 |
| Average earning assets | $532,500,600 | 1,124 |
| Average equity | $34,926,400 | 1,925 |
| Average total loans | $442,840,200 | 941 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 4,422 |
| Cost of funding earning assets | 1.2646% | 1,905 |
| Net interest margin | 3.4432% | 5,417 |
| Noninterest income to average assets | 0.7539% | 2,292 |
| Noninterest expense to average assets | 3.8963% | 1,162 |
| Loan and lease loss provision to assets | 1.4755% | 472 |
| Net operating income to assets | -2.4334% | 7,203 |
| Return on assets (ROA) | -2.4334% | 7,210 |
| Pretax return on assets | -1.6283% | 7,045 |
| Return on Equity (ROE) | -41.1458% | 7,258 |
| Retained earnings to average equity (ytd only) | -41.1458% | 7,252 |
| Net charge-offs to loans | 2.1101% | 580 |
| Credit loss provision to net charge-offs | 96.5814% | 3,552 |
| Earnings coverage of net charge-offs (x) | -0.1001% | 5,664 |
| Efficiency ratio | 104.0833% | 548 |
| Assets per employee ($millions) | 3.5019% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5521% | 1,323 |
| Loan loss allowance to noncurrent loans | 50.8699% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 7.7400% | 592 |
| Noncurrent loans to loans | 5.0169% | 1,238 |
| Net loans and leases to total assets | 68.2111% | 2,443 |
| Net loans and leases to deposits | 78.9869% | 2,817 |
| Net loans and leases to core deposits | 83.0366% | 3,187 |
| Total domestic deposits to total assets | 86.3575% | 3,008 |
| Equity capital to assets | 5.0136% | 7,264 |
| Core capital (leverage) ratio | 4.8976% | 7,248 |
| Tier 1 risk-based capital ratio | 5.9425% | 7,297 |
| Total risk-based capital ratio | 7.2061% | 7,300 |
| Memoranda: | ||
| Average total assets | $628,030,000 | 1,040 |
| Average earning assets | $545,293,750 | 1,098 |
| Average equity | $37,141,750 | 1,818 |
| Average total loans | $454,691,750 | 935 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 4,549 |
| Cost of funding earning assets | 1.3105% | 1,878 |
| Net interest margin | 3.3839% | 5,598 |
| Noninterest income to average assets | 0.8162% | 1,945 |
| Noninterest expense to average assets | 3.7179% | 1,497 |
| Loan and lease loss provision to assets | 1.0053% | 865 |
| Net operating income to assets | -2.1568% | 7,218 |
| Return on assets (ROA) | -2.1568% | 7,227 |
| Pretax return on assets | -0.9654% | 6,890 |
| Return on Equity (ROE) | -34.7980% | 7,281 |
| Retained earnings to average equity (ytd only) | -34.7980% | 7,274 |
| Net charge-offs to loans | 1.1157% | 1,409 |
| Credit loss provision to net charge-offs | 123.1717% | 2,474 |
| Earnings coverage of net charge-offs (x) | 0.0489% | 5,253 |
| Efficiency ratio | 98.9382% | 753 |
| Assets per employee ($millions) | 3.4426% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5701% | 1,340 |
| Loan loss allowance to noncurrent loans | 43.7873% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 7.4322% | 655 |
| Noncurrent loans to loans | 5.8694% | 1,036 |
| Net loans and leases to total assets | 70.2337% | 2,173 |
| Net loans and leases to deposits | 82.7392% | 2,326 |
| Net loans and leases to core deposits | 86.7993% | 2,785 |
| Total domestic deposits to total assets | 84.8857% | 3,925 |
| Equity capital to assets | 5.5522% | 7,288 |
| Core capital (leverage) ratio | 5.3101% | 7,275 |
| Tier 1 risk-based capital ratio | 6.4637% | 7,342 |
| Total risk-based capital ratio | 7.7290% | 7,344 |
| Memoranda: | ||
| Average total assets | $636,599,000 | 1,036 |
| Average earning assets | $553,383,000 | 1,092 |
| Average equity | $39,456,330 | 1,697 |
| Average total loans | $465,718,670 | 927 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 4,606 |
| Cost of funding earning assets | 1.3739% | 1,749 |
| Net interest margin | 3.3074% | 5,751 |
| Noninterest income to average assets | 1.0074% | 1,304 |
| Noninterest expense to average assets | 3.2031% | 2,884 |
| Loan and lease loss provision to assets | 0.4364% | 2,022 |
| Net operating income to assets | 0.1721% | 5,881 |
| Return on assets (ROA) | 0.1721% | 5,927 |
| Pretax return on assets | 0.2344% | 5,856 |
| Return on Equity (ROE) | 2.6417% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.6417% | 4,583 |
| Net charge-offs to loans | 0.9037% | 1,470 |
| Credit loss provision to net charge-offs | 65.5431% | 3,445 |
| Earnings coverage of net charge-offs (x) | 1.0075% | 3,907 |
| Efficiency ratio | 82.6843% | 2,126 |
| Assets per employee ($millions) | 3.5638% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 1,772 |
| Loan loss allowance to noncurrent loans | 38.8262% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 7.6404% | 643 |
| Noncurrent loans to loans | 5.9107% | 1,079 |
| Net loans and leases to total assets | 69.8289% | 2,165 |
| Net loans and leases to deposits | 83.0976% | 2,171 |
| Net loans and leases to core deposits | 89.7930% | 2,375 |
| Total domestic deposits to total assets | 84.0324% | 4,477 |
| Equity capital to assets | 6.4622% | 7,218 |
| Core capital (leverage) ratio | 6.0140% | 7,244 |
| Tier 1 risk-based capital ratio | 7.1067% | 7,356 |
| Total risk-based capital ratio | 8.3664% | 7,361 |
| Memoranda: | ||
| Average total assets | $641,620,000 | 1,033 |
| Average earning assets | $556,087,000 | 1,098 |
| Average equity | $41,790,500 | 1,592 |
| Average total loans | $472,747,000 | 924 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 4,166 |
| Cost of funding earning assets | 1.5518% | 2,345 |
| Net interest margin | 3.5332% | 5,102 |
| Noninterest income to average assets | 0.7926% | 2,321 |
| Noninterest expense to average assets | 3.4372% | 2,337 |
| Loan and lease loss provision to assets | 2.4151% | 475 |
| Net operating income to assets | -1.2991% | 6,828 |
| Return on assets (ROA) | -1.2991% | 6,856 |
| Pretax return on assets | -1.9710% | 7,017 |
| Return on Equity (ROE) | -17.8995% | 6,996 |
| Retained earnings to average equity (ytd only) | -17.8995% | 6,966 |
| Net charge-offs to loans | 2.3181% | 834 |
| Credit loss provision to net charge-offs | 132.9687% | 2,950 |
| Earnings coverage of net charge-offs (x) | 0.2445% | 5,867 |
| Efficiency ratio | 88.5568% | 1,435 |
| Assets per employee ($millions) | 3.3227% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2837% | 1,720 |
| Loan loss allowance to noncurrent loans | 55.7407% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 6.6408% | 852 |
| Noncurrent loans to loans | 4.0970% | 1,767 |
| Net loans and leases to total assets | 74.2059% | 1,617 |
| Net loans and leases to deposits | 88.5268% | 1,716 |
| Net loans and leases to core deposits | 95.8459% | 2,033 |
| Total domestic deposits to total assets | 83.8231% | 4,437 |
| Equity capital to assets | 6.5655% | 7,244 |
| Core capital (leverage) ratio | 6.1401% | 7,275 |
| Tier 1 risk-based capital ratio | 7.1343% | 7,408 |
| Total risk-based capital ratio | 8.3961% | 7,412 |
| Memoranda: | ||
| Average total assets | $654,286,600 | 1,017 |
| Average earning assets | $571,970,800 | 1,052 |
| Average equity | $47,487,400 | 1,408 |
| Average total loans | $512,668,200 | 880 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 4,397 |
| Cost of funding earning assets | 1.5738% | 2,536 |
| Net interest margin | 3.5122% | 5,241 |
| Noninterest income to average assets | 0.8038% | 2,218 |
| Noninterest expense to average assets | 3.1421% | 3,138 |
| Loan and lease loss provision to assets | 1.8608% | 668 |
| Net operating income to assets | -0.8485% | 6,812 |
| Return on assets (ROA) | -0.8485% | 6,854 |
| Pretax return on assets | -1.1215% | 6,906 |
| Return on Equity (ROE) | -11.4281% | 6,983 |
| Retained earnings to average equity (ytd only) | -11.4281% | 6,944 |
| Net charge-offs to loans | 2.0537% | 910 |
| Credit loss provision to net charge-offs | 114.7848% | 3,644 |
| Earnings coverage of net charge-offs (x) | 0.4560% | 5,566 |
| Efficiency ratio | 80.9536% | 2,218 |
| Assets per employee ($millions) | 3.3508% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 3,348 |
| Loan loss allowance to noncurrent loans | 31.0071% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 6.6650% | 846 |
| Noncurrent loans to loans | 5.3037% | 1,277 |
| Net loans and leases to total assets | 76.5094% | 1,311 |
| Net loans and leases to deposits | 91.2411% | 1,543 |
| Net loans and leases to core deposits | 98.7609% | 1,963 |
| Total domestic deposits to total assets | 83.8541% | 4,207 |
| Equity capital to assets | 7.1075% | 7,305 |
| Core capital (leverage) ratio | 7.2380% | 7,038 |
| Tier 1 risk-based capital ratio | 8.1115% | 7,471 |
| Total risk-based capital ratio | 9.3663% | 7,477 |
| Memoranda: | ||
| Average total assets | $659,200,000 | 1,019 |
| Average earning assets | $577,622,750 | 1,051 |
| Average equity | $48,942,500 | 1,372 |
| Average total loans | $520,350,000 | 869 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 4,485 |
| Cost of funding earning assets | 1.6202% | 2,545 |
| Net interest margin | 3.4752% | 5,342 |
| Noninterest income to average assets | 0.7993% | 2,117 |
| Noninterest expense to average assets | 3.0306% | 3,595 |
| Loan and lease loss provision to assets | 1.2361% | 1,134 |
| Net operating income to assets | -0.4100% | 6,577 |
| Return on assets (ROA) | -0.4100% | 6,617 |
| Pretax return on assets | -0.4100% | 6,520 |
| Return on Equity (ROE) | -5.4471% | 6,734 |
| Retained earnings to average equity (ytd only) | -5.4471% | 6,604 |
| Net charge-offs to loans | 1.2457% | 1,530 |
| Credit loss provision to net charge-offs | 125.1144% | 3,226 |
| Earnings coverage of net charge-offs (x) | 0.8361% | 4,932 |
| Efficiency ratio | 78.5804% | 2,645 |
| Assets per employee ($millions) | 3.3372% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 3,734 |
| Loan loss allowance to noncurrent loans | 49.0453% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 4.5192% | 1,467 |
| Noncurrent loans to loans | 3.1325% | 2,559 |
| Net loans and leases to total assets | 78.3133% | 1,059 |
| Net loans and leases to deposits | 93.9588% | 1,279 |
| Net loans and leases to core deposits | 102.1308% | 1,816 |
| Total domestic deposits to total assets | 83.3485% | 4,415 |
| Equity capital to assets | 7.5350% | 7,088 |
| Core capital (leverage) ratio | 7.3135% | 6,988 |
| Tier 1 risk-based capital ratio | 8.6049% | 7,470 |
| Total risk-based capital ratio | 9.8581% | 7,485 |
| Memoranda: | ||
| Average total assets | $663,363,670 | 1,021 |
| Average earning assets | $583,627,670 | 1,052 |
| Average equity | $49,935,000 | 1,339 |
| Average total loans | $526,111,330 | 867 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 4,706 |
| Cost of funding earning assets | 1.6368% | 2,728 |
| Net interest margin | 3.4283% | 5,470 |
| Noninterest income to average assets | 0.7853% | 2,091 |
| Noninterest expense to average assets | 2.9130% | 4,004 |
| Loan and lease loss provision to assets | 0.4171% | 2,874 |
| Net operating income to assets | 0.3849% | 4,907 |
| Return on assets (ROA) | 0.3849% | 5,044 |
| Pretax return on assets | 0.4802% | 5,027 |
| Return on Equity (ROE) | 5.1157% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.1157% | 3,093 |
| Net charge-offs to loans | 0.4032% | 2,830 |
| Credit loss provision to net charge-offs | 130.5970% | 2,700 |
| Earnings coverage of net charge-offs (x) | 2.8097% | 3,143 |
| Efficiency ratio | 76.4504% | 3,140 |
| Assets per employee ($millions) | 3.3255% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 4,542 |
| Loan loss allowance to noncurrent loans | 53.6788% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 3.5601% | 1,969 |
| Noncurrent loans to loans | 2.5625% | 3,105 |
| Net loans and leases to total assets | 77.7891% | 1,188 |
| Net loans and leases to deposits | 94.2715% | 1,320 |
| Net loans and leases to core deposits | 102.3225% | 1,866 |
| Total domestic deposits to total assets | 82.5160% | 4,840 |
| Equity capital to assets | 7.5965% | 6,993 |
| Core capital (leverage) ratio | 7.4481% | 6,899 |
| Tier 1 risk-based capital ratio | 8.7059% | 7,534 |
| Total risk-based capital ratio | 9.9568% | 7,555 |
| Memoranda: | ||
| Average total assets | $671,336,000 | 1,027 |
| Average earning assets | $592,371,500 | 1,058 |
| Average equity | $50,511,000 | 1,322 |
| Average total loans | $531,704,000 | 884 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3466% | 4,953 |
| Cost of funding earning assets | 1.7693% | 4,153 |
| Net interest margin | 3.5773% | 4,628 |
| Noninterest income to average assets | 0.8040% | 2,389 |
| Noninterest expense to average assets | 3.0271% | 4,038 |
| Loan and lease loss provision to assets | 1.0585% | 2,169 |
| Net operating income to assets | -0.0556% | 5,594 |
| Return on assets (ROA) | -0.0556% | 5,620 |
| Pretax return on assets | -0.0694% | 5,556 |
| Return on Equity (ROE) | -0.6978% | 5,654 |
| Retained earnings to average equity (ytd only) | -5.5518% | 6,094 |
| Net charge-offs to loans | 1.0183% | 2,374 |
| Credit loss provision to net charge-offs | 126.3082% | 4,126 |
| Earnings coverage of net charge-offs (x) | 1.1803% | 4,943 |
| Efficiency ratio | 75.3718% | 3,641 |
| Assets per employee ($millions) | 3.4053% | 5,245 |
| Cash dividends to net income (ytd only)* | -695.6522% | 7,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 4,634 |
| Loan loss allowance to noncurrent loans | 51.5716% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.3478% | 2,039 |
| Noncurrent loans to loans | 2.5633% | 2,996 |
| Net loans and leases to total assets | 78.4736% | 1,290 |
| Net loans and leases to deposits | 96.6970% | 1,240 |
| Net loans and leases to core deposits | 118.4582% | 2,082 |
| Total domestic deposits to total assets | 81.1541% | 5,292 |
| Equity capital to assets | 7.4521% | 7,074 |
| Core capital (leverage) ratio | 7.4396% | 6,845 |
| Tier 1 risk-based capital ratio | 8.6365% | 7,565 |
| Total risk-based capital ratio | 9.8610% | 7,599 |
| Memoranda: | ||
| Average total assets | $661,287,000 | 1,050 |
| Average earning assets | $593,797,000 | 1,058 |
| Average equity | $52,739,600 | 1,251 |
| Average total loans | $544,231,400 | 880 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 4,994 |
| Cost of funding earning assets | 1.7854% | 4,446 |
| Net interest margin | 3.6057% | 4,463 |
| Noninterest income to average assets | 0.8135% | 2,365 |
| Noninterest expense to average assets | 2.9306% | 4,314 |
| Loan and lease loss provision to assets | 0.3343% | 4,334 |
| Net operating income to assets | 0.5450% | 3,810 |
| Return on assets (ROA) | 0.5450% | 3,892 |
| Pretax return on assets | 0.7987% | 3,545 |
| Return on Equity (ROE) | 6.7211% | 3,205 |
| Retained earnings to average equity (ytd only) | 0.3248% | 5,064 |
| Net charge-offs to loans | 0.5072% | 3,193 |
| Credit loss provision to net charge-offs | 79.4033% | 5,781 |
| Earnings coverage of net charge-offs (x) | 2.6910% | 3,881 |
| Efficiency ratio | 72.1181% | 4,222 |
| Assets per employee ($millions) | 3.3019% | 5,397 |
| Cash dividends to net income (ytd only)* | 95.1673% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,495 |
| Loan loss allowance to noncurrent loans | 39.6222% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 3.0753% | 2,237 |
| Noncurrent loans to loans | 2.4186% | 3,115 |
| Net loans and leases to total assets | 79.8155% | 1,210 |
| Net loans and leases to deposits | 98.5419% | 1,259 |
| Net loans and leases to core deposits | 121.0415% | 2,154 |
| Total domestic deposits to total assets | 80.9965% | 5,081 |
| Equity capital to assets | 7.9147% | 6,927 |
| Core capital (leverage) ratio | 7.8406% | 6,566 |
| Tier 1 risk-based capital ratio | 9.2027% | 7,535 |
| Total risk-based capital ratio | 10.1044% | 7,692 |
| Memoranda: | ||
| Average total assets | $658,048,000 | 1,068 |
| Average earning assets | $593,159,500 | 1,079 |
| Average equity | $53,363,250 | 1,253 |
| Average total loans | $546,241,500 | 890 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 5,150 |
| Cost of funding earning assets | 1.7620% | 4,946 |
| Net interest margin | 3.6385% | 4,215 |
| Noninterest income to average assets | 0.7815% | 2,510 |
| Noninterest expense to average assets | 2.9295% | 4,385 |
| Loan and lease loss provision to assets | 0.1532% | 5,542 |
| Net operating income to assets | 0.7046% | 3,231 |
| Return on assets (ROA) | 0.7046% | 3,334 |
| Pretax return on assets | 0.9895% | 3,048 |
| Return on Equity (ROE) | 8.6175% | 2,506 |
| Retained earnings to average equity (ytd only) | 1.2739% | 4,636 |
| Net charge-offs to loans | 0.1962% | 4,307 |
| Credit loss provision to net charge-offs | 93.1099% | 4,831 |
| Earnings coverage of net charge-offs (x) | 6.9460% | 2,526 |
| Efficiency ratio | 71.9401% | 4,425 |
| Assets per employee ($millions) | 3.1877% | 5,613 |
| Cash dividends to net income (ytd only)* | 85.2174% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 6,077 |
| Loan loss allowance to noncurrent loans | 31.7929% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 3.0658% | 2,062 |
| Noncurrent loans to loans | 3.2101% | 2,219 |
| Net loans and leases to total assets | 82.2026% | 923 |
| Net loans and leases to deposits | 102.2261% | 1,062 |
| Net loans and leases to core deposits | 122.6716% | 2,141 |
| Total domestic deposits to total assets | 80.4125% | 5,313 |
| Equity capital to assets | 8.1120% | 6,619 |
| Core capital (leverage) ratio | 8.1738% | 6,022 |
| Tier 1 risk-based capital ratio | 9.2828% | 7,554 |
| Total risk-based capital ratio | 10.2554% | 7,709 |
| Memoranda: | ||
| Average total assets | $652,867,000 | 1,096 |
| Average earning assets | $590,470,670 | 1,104 |
| Average equity | $53,380,000 | 1,265 |
| Average total loans | $547,378,000 | 914 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5248% | 4,786 |
| Cost of funding earning assets | 1.8126% | 5,057 |
| Net interest margin | 3.7121% | 3,837 |
| Noninterest income to average assets | 0.8174% | 2,247 |
| Noninterest expense to average assets | 2.8773% | 4,241 |
| Loan and lease loss provision to assets | 0.1386% | 5,190 |
| Net operating income to assets | 0.8538% | 2,894 |
| Return on assets (ROA) | 0.8538% | 3,050 |
| Pretax return on assets | 1.1710% | 2,721 |
| Return on Equity (ROE) | 10.4003% | 2,171 |
| Retained earnings to average equity (ytd only) | 1.7709% | 4,867 |
| Net charge-offs to loans | 0.0870% | 4,294 |
| Credit loss provision to net charge-offs | 189.0756% | 2,322 |
| Earnings coverage of net charge-offs (x) | 17.8655% | 1,488 |
| Efficiency ratio | 68.7215% | 4,833 |
| Assets per employee ($millions) | 3.1951% | 5,607 |
| Cash dividends to net income (ytd only)* | 82.9726% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 5,811 |
| Loan loss allowance to noncurrent loans | 135.7718% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 4,746 |
| Noncurrent loans to loans | 0.7737% | 5,498 |
| Net loans and leases to total assets | 82.8812% | 870 |
| Net loans and leases to deposits | 104.8173% | 956 |
| Net loans and leases to core deposits | 123.2291% | 2,141 |
| Total domestic deposits to total assets | 79.0721% | 5,696 |
| Equity capital to assets | 8.1877% | 6,552 |
| Core capital (leverage) ratio | 8.2579% | 5,981 |
| Tier 1 risk-based capital ratio | 9.4905% | 7,429 |
| Total risk-based capital ratio | 10.5121% | 7,597 |
| Memoranda: | ||
| Average total assets | $649,370,000 | 1,093 |
| Average earning assets | $589,419,000 | 1,102 |
| Average equity | $53,306,000 | 1,269 |
| Average total loans | $547,059,000 | 920 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3951% | 3,446 |
| Cost of funding earning assets | 2.3984% | 4,722 |
| Net interest margin | 3.9967% | 3,132 |
| Noninterest income to average assets | 1.0403% | 1,455 |
| Noninterest expense to average assets | 3.1429% | 3,541 |
| Loan and lease loss provision to assets | 0.1703% | 5,203 |
| Net operating income to assets | 0.8566% | 3,196 |
| Return on assets (ROA) | 0.8566% | 3,037 |
| Pretax return on assets | 1.3037% | 2,297 |
| Return on Equity (ROE) | 10.1351% | 2,212 |
| Retained earnings to average equity (ytd only) | 2.9383% | 3,345 |
| Net charge-offs to loans | 0.0951% | 5,374 |
| Credit loss provision to net charge-offs | 215.6057% | 2,238 |
| Earnings coverage of net charge-offs (x) | 18.6612% | 1,690 |
| Efficiency ratio | 68.0731% | 4,713 |
| Assets per employee ($millions) | 3.1405% | 5,652 |
| Cash dividends to net income (ytd only)* | 71.0093% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 5,799 |
| Loan loss allowance to noncurrent loans | 255.3288% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 5,244 |
| Noncurrent loans to loans | 0.4023% | 6,140 |
| Net loans and leases to total assets | 83.8615% | 904 |
| Net loans and leases to deposits | 110.8027% | 781 |
| Net loans and leases to core deposits | 129.5353% | 1,884 |
| Total domestic deposits to total assets | 75.6854% | 6,308 |
| Equity capital to assets | 8.2302% | 6,506 |
| Core capital (leverage) ratio | 8.2622% | 6,026 |
| Tier 1 risk-based capital ratio | 9.2877% | 7,535 |
| Total risk-based capital ratio | 10.2736% | 7,749 |
| Memoranda: | ||
| Average total assets | $616,541,400 | 1,090 |
| Average earning assets | $551,731,800 | 1,115 |
| Average equity | $52,105,800 | 1,294 |
| Average total loans | $512,243,200 | 933 |