Home > Bank of Charles Town > Performance and Condition Ratios
Bank of Charles Town, 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 | 4.6869% | 2,712 |
| Cost of funding earning assets | 1.1869% | 2,831 |
| Net interest margin | 3.5000% | 2,177 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.7914% | 1,524 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0237% | 2,145 |
| Return on assets (ROA) | 0.9812% | 2,265 |
| Pretax return on assets | 1.2621% | 1,978 |
| Return on Equity (ROE) | 10.8600% | 2,266 |
| Retained earnings to average equity (ytd only) | 7.0625% | 1,880 |
| Net charge-offs to loans | 0.0077% | 2,391 |
| Credit loss provision to net charge-offs | 330.6122% | 893 |
| Earnings coverage of net charge-offs (x) | 218.1224% | 558 |
| Efficiency ratio | 67.5038% | 2,169 |
| Assets per employee ($millions) | 6.6899% | 2,277 |
| Cash dividends to net income (ytd only)* | 34.9821% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,196 |
| Loan loss allowance to noncurrent loans | 247.6067% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 1,643 |
| Noncurrent loans to loans | 0.4133% | 1,748 |
| Net loans and leases to total assets | 77.8000% | 886 |
| Net loans and leases to deposits | 87.2294% | 1,514 |
| Net loans and leases to core deposits | 94.1346% | 1,764 |
| Total domestic deposits to total assets | 89.1900% | 1,009 |
| Equity capital to assets | 9.1139% | 2,599 |
| Core capital (leverage) ratio | 9.7694% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9669% | 1,877 |
| Memoranda: | ||
| Average total assets | $795,359,800 | 1,194 |
| Average earning assets | $759,034,200 | 1,156 |
| Average equity | $71,844,600 | 1,223 |
| Average total loans | $640,399,400 | 1,038 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 2,733 |
| Cost of funding earning assets | 1.0868% | 2,783 |
| Net interest margin | 3.4898% | 2,235 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.7316% | 1,583 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0490% | 2,221 |
| Return on assets (ROA) | 1.0123% | 2,315 |
| Pretax return on assets | 1.3043% | 2,030 |
| Return on Equity (ROE) | 11.2300% | 2,317 |
| Retained earnings to average equity (ytd only) | 6.8804% | 2,333 |
| Net charge-offs to loans | -0.0054% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.3020% | 2,238 |
| Assets per employee ($millions) | 6.5212% | 2,314 |
| Cash dividends to net income (ytd only)* | 38.7513% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 3,173 |
| Loan loss allowance to noncurrent loans | 253.8635% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 1,710 |
| Noncurrent loans to loans | 0.4084% | 1,811 |
| Net loans and leases to total assets | 79.9000% | 659 |
| Net loans and leases to deposits | 89.5500% | 1,263 |
| Net loans and leases to core deposits | 99.9259% | 1,321 |
| Total domestic deposits to total assets | 89.2200% | 1,183 |
| Equity capital to assets | 8.8274% | 2,521 |
| Core capital (leverage) ratio | 9.9278% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7159% | 2,000 |
| Memoranda: | ||
| Average total assets | $786,813,250 | 1,200 |
| Average earning assets | $750,173,750 | 1,169 |
| Average equity | $70,904,750 | 1,231 |
| Average total loans | $637,489,750 | 1,038 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 2,738 |
| Cost of funding earning assets | 0.9434% | 2,797 |
| Net interest margin | 3.5203% | 2,219 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.7134% | 1,610 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0611% | 2,232 |
| Return on assets (ROA) | 1.0611% | 2,229 |
| Pretax return on assets | 1.3652% | 1,901 |
| Return on Equity (ROE) | 11.6900% | 2,251 |
| Retained earnings to average equity (ytd only) | 7.0251% | 2,274 |
| Net charge-offs to loans | -0.0101% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6120% | 2,303 |
| Assets per employee ($millions) | 6.3957% | 2,388 |
| Cash dividends to net income (ytd only)* | 39.9178% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,231 |
| Loan loss allowance to noncurrent loans | 256.1789% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 1,588 |
| Noncurrent loans to loans | 0.4076% | 1,708 |
| Net loans and leases to total assets | 80.7600% | 548 |
| Net loans and leases to deposits | 90.6203% | 1,128 |
| Net loans and leases to core deposits | 101.7262% | 1,148 |
| Total domestic deposits to total assets | 89.1200% | 1,211 |
| Equity capital to assets | 8.9770% | 2,527 |
| Core capital (leverage) ratio | 10.0422% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5828% | 2,067 |
| Memoranda: | ||
| Average total assets | $779,541,000 | 1,198 |
| Average earning assets | $742,667,000 | 1,176 |
| Average equity | $70,746,000 | 1,227 |
| Average total loans | $632,370,333 | 1,031 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 2,634 |
| Cost of funding earning assets | 0.7451% | 2,908 |
| Net interest margin | 3.6233% | 2,075 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.6460% | 1,823 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1522% | 2,056 |
| Return on assets (ROA) | 1.1522% | 2,025 |
| Pretax return on assets | 1.4881% | 1,697 |
| Return on Equity (ROE) | 12.6300% | 2,071 |
| Retained earnings to average equity (ytd only) | 6.5001% | 2,644 |
| Net charge-offs to loans | -0.0090% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.7565% | 2,490 |
| Assets per employee ($millions) | 6.3827% | 2,425 |
| Cash dividends to net income (ytd only)* | 48.5175% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,302 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.4300% | 722 |
| Net loans and leases to deposits | 88.0791% | 1,199 |
| Net loans and leases to core deposits | 98.6505% | 1,146 |
| Total domestic deposits to total assets | 89.0400% | 1,531 |
| Equity capital to assets | 9.0010% | 2,517 |
| Core capital (leverage) ratio | 10.2540% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8425% | 2,033 |
| Memoranda: | ||
| Average total assets | $772,779,500 | 1,224 |
| Average earning assets | $735,469,000 | 1,195 |
| Average equity | $70,522,500 | 1,242 |
| Average total loans | $624,943,000 | 1,051 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 2,179 |
| Cost of funding earning assets | 0.3172% | 2,741 |
| Net interest margin | 3.5191% | 1,869 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.6805% | 1,608 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1065% | 2,147 |
| Return on assets (ROA) | 1.0672% | 2,253 |
| Pretax return on assets | 1.3693% | 1,866 |
| Return on Equity (ROE) | 11.5400% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.4206% | 1,348 |
| Net charge-offs to loans | -0.0116% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.0493% | 2,481 |
| Assets per employee ($millions) | 6.2843% | 2,525 |
| Cash dividends to net income (ytd only)* | 18.3963% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 3,414 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.7400% | 436 |
| Net loans and leases to deposits | 92.6049% | 883 |
| Net loans and leases to core deposits | 98.4273% | 1,085 |
| Total domestic deposits to total assets | 88.2600% | 1,990 |
| Equity capital to assets | 9.2569% | 2,192 |
| Core capital (leverage) ratio | 10.0801% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6158% | 2,119 |
| Memoranda: | ||
| Average total assets | $738,542,800 | 1,262 |
| Average earning assets | $705,242,800 | 1,228 |
| Average equity | $68,276,200 | 1,278 |
| Average total loans | $567,015,400 | 1,078 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 2,186 |
| Cost of funding earning assets | 0.2634% | 2,565 |
| Net interest margin | 3.3903% | 2,004 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.6566% | 1,573 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0561% | 2,267 |
| Return on assets (ROA) | 1.0561% | 2,230 |
| Pretax return on assets | 1.3557% | 1,862 |
| Return on Equity (ROE) | 11.4300% | 2,228 |
| Retained earnings to average equity (ytd only) | 9.3124% | 1,550 |
| Net charge-offs to loans | -0.0130% | 3,815 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8416% | 2,431 |
| Assets per employee ($millions) | 6.3193% | 2,472 |
| Cash dividends to net income (ytd only)* | 18.5083% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,443 |
| Loan loss allowance to noncurrent loans | 7,005.8140% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 3,864 |
| Noncurrent loans to loans | 0.0144% | 3,829 |
| Net loans and leases to total assets | 76.8700% | 819 |
| Net loans and leases to deposits | 85.3683% | 1,212 |
| Net loans and leases to core deposits | 91.0808% | 1,231 |
| Total domestic deposits to total assets | 90.0400% | 1,638 |
| Equity capital to assets | 8.6720% | 2,426 |
| Core capital (leverage) ratio | 9.9763% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8241% | 2,123 |
| Memoranda: | ||
| Average total assets | $734,651,000 | 1,274 |
| Average earning assets | $703,158,250 | 1,239 |
| Average equity | $67,893,500 | 1,295 |
| Average total loans | $553,123,250 | 1,094 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 2,099 |
| Cost of funding earning assets | 0.2502% | 2,268 |
| Net interest margin | 3.2629% | 2,021 |
| Noninterest income to average assets | 0.8841% | 872 |
| Noninterest expense to average assets | 2.6633% | 1,475 |
| Loan and lease loss provision to assets | 0.0670% | 1,413 |
| Net operating income to assets | 0.9959% | 2,172 |
| Return on assets (ROA) | 0.9959% | 2,143 |
| Pretax return on assets | 1.2766% | 1,825 |
| Return on Equity (ROE) | 10.5453% | 2,152 |
| Retained earnings to average equity (ytd only) | 8.4820% | 1,446 |
| Net charge-offs to loans | -0.0182% | 3,828 |
| Credit loss provision to net charge-offs | -493.8776% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4686% | 2,447 |
| Assets per employee ($millions) | 6.1080% | 2,646 |
| Cash dividends to net income (ytd only)* | 19.5664% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 3,548 |
| Loan loss allowance to noncurrent loans | 6,511.2360% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,907 |
| Noncurrent loans to loans | 0.0156% | 3,848 |
| Net loans and leases to total assets | 76.6400% | 668 |
| Net loans and leases to deposits | 85.4085% | 1,022 |
| Net loans and leases to core deposits | 91.7122% | 1,032 |
| Total domestic deposits to total assets | 89.7334% | 1,830 |
| Equity capital to assets | 9.0364% | 2,363 |
| Core capital (leverage) ratio | 10.1803% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1247% | 2,003 |
| Memoranda: | ||
| Average total assets | $722,550,333 | 1,288 |
| Average earning assets | $691,536,333 | 1,264 |
| Average equity | $68,239,000 | 1,315 |
| Average total loans | $537,946,333 | 1,109 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3507% | 2,238 |
| Cost of funding earning assets | 0.2462% | 2,202 |
| Net interest margin | 3.1045% | 2,163 |
| Noninterest income to average assets | 0.9391% | 779 |
| Noninterest expense to average assets | 2.5922% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0265% | 1,776 |
| Return on assets (ROA) | 1.0265% | 1,764 |
| Pretax return on assets | 1.3194% | 1,448 |
| Return on Equity (ROE) | 10.6313% | 1,750 |
| Retained earnings to average equity (ytd only) | 8.7173% | 1,363 |
| Net charge-offs to loans | -0.0023% | 3,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2706% | 2,735 |
| Assets per employee ($millions) | 6.1971% | 2,637 |
| Cash dividends to net income (ytd only)* | 18.0033% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,530 |
| Loan loss allowance to noncurrent loans | 5,921.5054% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,933 |
| Noncurrent loans to loans | 0.0177% | 3,868 |
| Net loans and leases to total assets | 72.1425% | 820 |
| Net loans and leases to deposits | 81.5695% | 1,040 |
| Net loans and leases to core deposits | 86.4651% | 1,107 |
| Total domestic deposits to total assets | 88.4430% | 2,321 |
| Equity capital to assets | 9.4855% | 2,295 |
| Core capital (leverage) ratio | 10.2412% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1297% | 1,759 |
| Memoranda: | ||
| Average total assets | $714,290,500 | 1,302 |
| Average earning assets | $683,914,000 | 1,274 |
| Average equity | $68,966,000 | 1,347 |
| Average total loans | $520,810,500 | 1,124 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 2,481 |
| Cost of funding earning assets | 0.2898% | 2,509 |
| Net interest margin | 3.2725% | 2,401 |
| Noninterest income to average assets | 1.0088% | 990 |
| Noninterest expense to average assets | 2.6726% | 1,709 |
| Loan and lease loss provision to assets | -0.0728% | 4,455 |
| Net operating income to assets | 1.2012% | 1,920 |
| Return on assets (ROA) | 1.2021% | 1,965 |
| Pretax return on assets | 1.5509% | 1,567 |
| Return on Equity (ROE) | 12.2751% | 1,721 |
| Retained earnings to average equity (ytd only) | 11.4539% | 623 |
| Net charge-offs to loans | -0.1194% | 4,615 |
| Credit loss provision to net charge-offs | 80.4598% | 1,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4083% | 2,500 |
| Assets per employee ($millions) | 6.1714% | 2,593 |
| Cash dividends to net income (ytd only)* | 6.6906% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,507 |
| Loan loss allowance to noncurrent loans | 5,733.3333% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,006 |
| Noncurrent loans to loans | 0.0186% | 3,941 |
| Net loans and leases to total assets | 72.1419% | 833 |
| Net loans and leases to deposits | 81.3268% | 1,115 |
| Net loans and leases to core deposits | 86.1827% | 1,194 |
| Total domestic deposits to total assets | 88.7062% | 1,661 |
| Equity capital to assets | 9.8270% | 2,826 |
| Core capital (leverage) ratio | 10.1789% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5409% | 1,674 |
| Memoranda: | ||
| Average total assets | $672,652,000 | 1,322 |
| Average earning assets | $645,537,000 | 1,297 |
| Average equity | $65,873,000 | 1,413 |
| Average total loans | $510,241,000 | 1,145 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 2,649 |
| Cost of funding earning assets | 0.2979% | 2,610 |
| Net interest margin | 3.2668% | 2,524 |
| Noninterest income to average assets | 0.9804% | 1,106 |
| Noninterest expense to average assets | 2.6275% | 1,761 |
| Loan and lease loss provision to assets | -0.0984% | 4,599 |
| Net operating income to assets | 1.2279% | 2,072 |
| Return on assets (ROA) | 1.2292% | 2,128 |
| Pretax return on assets | 1.5892% | 1,742 |
| Return on Equity (ROE) | 12.5636% | 1,842 |
| Retained earnings to average equity (ytd only) | 12.5636% | 707 |
| Net charge-offs to loans | -0.1453% | 4,719 |
| Credit loss provision to net charge-offs | 88.4477% | 1,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8268% | 2,412 |
| Assets per employee ($millions) | 5.9342% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,638 |
| Loan loss allowance to noncurrent loans | 3,948.5507% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,064 |
| Noncurrent loans to loans | 0.0267% | 4,002 |
| Net loans and leases to total assets | 72.9132% | 784 |
| Net loans and leases to deposits | 81.9719% | 1,121 |
| Net loans and leases to core deposits | 86.6646% | 1,244 |
| Total domestic deposits to total assets | 88.9489% | 1,311 |
| Equity capital to assets | 9.6944% | 3,190 |
| Core capital (leverage) ratio | 10.1455% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6340% | 1,747 |
| Memoranda: | ||
| Average total assets | $663,386,250 | 1,350 |
| Average earning assets | $636,859,500 | 1,320 |
| Average equity | $64,905,250 | 1,445 |
| Average total loans | $508,424,750 | 1,170 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 2,652 |
| Cost of funding earning assets | 0.3074% | 2,708 |
| Net interest margin | 3.2840% | 2,499 |
| Noninterest income to average assets | 0.9965% | 1,077 |
| Noninterest expense to average assets | 2.6567% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1610% | 2,332 |
| Return on assets (ROA) | 1.1630% | 2,383 |
| Pretax return on assets | 1.4987% | 2,019 |
| Return on Equity (ROE) | 11.8475% | 2,124 |
| Retained earnings to average equity (ytd only) | 11.8475% | 953 |
| Net charge-offs to loans | -0.0170% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9719% | 2,433 |
| Assets per employee ($millions) | 5.7413% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,634 |
| Loan loss allowance to noncurrent loans | 3,822.5352% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,133 |
| Noncurrent loans to loans | 0.0274% | 4,073 |
| Net loans and leases to total assets | 76.2688% | 566 |
| Net loans and leases to deposits | 85.6065% | 942 |
| Net loans and leases to core deposits | 91.5447% | 1,035 |
| Total domestic deposits to total assets | 89.0923% | 1,234 |
| Equity capital to assets | 9.7511% | 3,093 |
| Core capital (leverage) ratio | 10.1968% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9221% | 1,660 |
| Memoranda: | ||
| Average total assets | $651,101,333 | 1,363 |
| Average earning assets | $625,813,667 | 1,336 |
| Average equity | $63,912,333 | 1,449 |
| Average total loans | $505,894,000 | 1,172 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 2,538 |
| Cost of funding earning assets | 0.3242% | 2,761 |
| Net interest margin | 3.3082% | 2,371 |
| Noninterest income to average assets | 0.9844% | 1,159 |
| Noninterest expense to average assets | 2.6168% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2027% | 2,132 |
| Return on assets (ROA) | 1.2066% | 2,201 |
| Pretax return on assets | 1.5512% | 1,853 |
| Return on Equity (ROE) | 12.2501% | 1,923 |
| Retained earnings to average equity (ytd only) | 12.2501% | 1,085 |
| Net charge-offs to loans | -0.0192% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8580% | 2,625 |
| Assets per employee ($millions) | 5.9030% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,545 |
| Loan loss allowance to noncurrent loans | 3,704.7945% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,211 |
| Noncurrent loans to loans | 0.0290% | 4,143 |
| Net loans and leases to total assets | 75.3017% | 696 |
| Net loans and leases to deposits | 84.4088% | 1,102 |
| Net loans and leases to core deposits | 90.3904% | 1,203 |
| Total domestic deposits to total assets | 89.2107% | 1,227 |
| Equity capital to assets | 9.6360% | 3,060 |
| Core capital (leverage) ratio | 10.3070% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7842% | 1,359 |
| Memoranda: | ||
| Average total assets | $640,788,000 | 1,373 |
| Average earning assets | $615,673,000 | 1,345 |
| Average equity | $63,118,000 | 1,448 |
| Average total loans | $499,967,500 | 1,187 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 3,221 |
| Cost of funding earning assets | 0.5986% | 2,326 |
| Net interest margin | 3.2291% | 3,275 |
| Noninterest income to average assets | 0.9862% | 1,069 |
| Noninterest expense to average assets | 2.9424% | 1,565 |
| Loan and lease loss provision to assets | 0.2472% | 1,560 |
| Net operating income to assets | 0.6924% | 3,458 |
| Return on assets (ROA) | 0.6947% | 3,583 |
| Pretax return on assets | 0.8879% | 3,402 |
| Return on Equity (ROE) | 7.3840% | 3,037 |
| Retained earnings to average equity (ytd only) | 5.5731% | 2,013 |
| Net charge-offs to loans | -0.0498% | 4,665 |
| Credit loss provision to net charge-offs | -632.0175% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2136% | 1,656 |
| Assets per employee ($millions) | 5.7448% | 2,587 |
| Cash dividends to net income (ytd only)* | 24.5246% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,539 |
| Loan loss allowance to noncurrent loans | 3,496.7532% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,257 |
| Noncurrent loans to loans | 0.0310% | 4,189 |
| Net loans and leases to total assets | 79.1849% | 484 |
| Net loans and leases to deposits | 89.2621% | 986 |
| Net loans and leases to core deposits | 96.3323% | 1,098 |
| Total domestic deposits to total assets | 88.7106% | 1,119 |
| Equity capital to assets | 10.0782% | 3,053 |
| Core capital (leverage) ratio | 10.2309% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6339% | 1,367 |
| Memoranda: | ||
| Average total assets | $582,851,400 | 1,360 |
| Average earning assets | $557,455,200 | 1,327 |
| Average equity | $54,834,800 | 1,563 |
| Average total loans | $457,894,600 | 1,208 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 3,385 |
| Cost of funding earning assets | 0.6552% | 2,296 |
| Net interest margin | 3.2039% | 3,484 |
| Noninterest income to average assets | 0.9767% | 1,067 |
| Noninterest expense to average assets | 2.9095% | 1,678 |
| Loan and lease loss provision to assets | 0.3001% | 1,343 |
| Net operating income to assets | 0.6467% | 3,638 |
| Return on assets (ROA) | 0.6498% | 3,733 |
| Pretax return on assets | 0.8317% | 3,568 |
| Return on Equity (ROE) | 7.0431% | 3,178 |
| Retained earnings to average equity (ytd only) | 4.5408% | 2,776 |
| Net charge-offs to loans | -0.0625% | 4,733 |
| Credit loss provision to net charge-offs | -614.7619% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0645% | 1,638 |
| Assets per employee ($millions) | 5.5330% | 2,676 |
| Cash dividends to net income (ytd only)* | 35.5277% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,266 |
| Loan loss allowance to noncurrent loans | 2,278.1659% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,272 |
| Noncurrent loans to loans | 0.0478% | 4,188 |
| Net loans and leases to total assets | 75.1404% | 1,218 |
| Net loans and leases to deposits | 83.9973% | 1,914 |
| Net loans and leases to core deposits | 91.1836% | 1,870 |
| Total domestic deposits to total assets | 89.4557% | 595 |
| Equity capital to assets | 8.5546% | 4,434 |
| Core capital (leverage) ratio | 9.0636% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4392% | 1,680 |
| Memoranda: | ||
| Average total assets | $573,454,750 | 1,361 |
| Average earning assets | $547,824,750 | 1,329 |
| Average equity | $52,911,250 | 1,598 |
| Average total loans | $448,198,750 | 1,224 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,381 |
| Cost of funding earning assets | 0.7074% | 2,342 |
| Net interest margin | 3.2713% | 3,459 |
| Noninterest income to average assets | 0.9647% | 1,046 |
| Noninterest expense to average assets | 2.9804% | 1,632 |
| Loan and lease loss provision to assets | 0.3575% | 1,179 |
| Net operating income to assets | 0.5924% | 3,768 |
| Return on assets (ROA) | 0.5924% | 3,846 |
| Pretax return on assets | 0.7465% | 3,749 |
| Return on Equity (ROE) | 6.2479% | 3,419 |
| Retained earnings to average equity (ytd only) | 3.5691% | 3,145 |
| Net charge-offs to loans | -0.0114% | 4,237 |
| Credit loss provision to net charge-offs | -3,964.0000% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9706% | 1,572 |
| Assets per employee ($millions) | 5.1867% | 2,950 |
| Cash dividends to net income (ytd only)* | 42.8745% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 3,611 |
| Loan loss allowance to noncurrent loans | 512.6761% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 3,760 |
| Noncurrent loans to loans | 0.1937% | 3,683 |
| Net loans and leases to total assets | 77.7389% | 886 |
| Net loans and leases to deposits | 88.2214% | 1,534 |
| Net loans and leases to core deposits | 96.4787% | 1,540 |
| Total domestic deposits to total assets | 88.1179% | 1,117 |
| Equity capital to assets | 8.7979% | 4,263 |
| Core capital (leverage) ratio | 9.3786% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1237% | 1,757 |
| Memoranda: | ||
| Average total assets | $554,353,667 | 1,384 |
| Average earning assets | $528,662,667 | 1,350 |
| Average equity | $52,562,000 | 1,591 |
| Average total loans | $437,874,667 | 1,236 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 3,366 |
| Cost of funding earning assets | 0.7769% | 2,511 |
| Net interest margin | 3.3773% | 3,369 |
| Noninterest income to average assets | 0.9922% | 874 |
| Noninterest expense to average assets | 3.1009% | 1,634 |
| Loan and lease loss provision to assets | 0.3530% | 876 |
| Net operating income to assets | 0.5991% | 3,597 |
| Return on assets (ROA) | 0.5991% | 3,656 |
| Pretax return on assets | 0.7521% | 3,543 |
| Return on Equity (ROE) | 6.0673% | 3,295 |
| Retained earnings to average equity (ytd only) | 2.8917% | 3,126 |
| Net charge-offs to loans | -0.0115% | 4,119 |
| Credit loss provision to net charge-offs | -3,883.3333% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7259% | 1,852 |
| Assets per employee ($millions) | 4.7001% | 2,988 |
| Cash dividends to net income (ytd only)* | 52.3388% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,752 |
| Loan loss allowance to noncurrent loans | 231.9690% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 3,076 |
| Noncurrent loans to loans | 0.4278% | 2,968 |
| Net loans and leases to total assets | 77.4188% | 1,064 |
| Net loans and leases to deposits | 88.7896% | 1,664 |
| Net loans and leases to core deposits | 98.9019% | 1,565 |
| Total domestic deposits to total assets | 87.1935% | 1,472 |
| Equity capital to assets | 9.7244% | 4,020 |
| Core capital (leverage) ratio | 10.4205% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8398% | 1,962 |
| Memoranda: | ||
| Average total assets | $528,111,000 | 1,401 |
| Average earning assets | $502,534,000 | 1,379 |
| Average equity | $52,148,500 | 1,593 |
| Average total loans | $418,571,000 | 1,251 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 3,825 |
| Cost of funding earning assets | 0.7904% | 2,727 |
| Net interest margin | 3.4038% | 3,736 |
| Noninterest income to average assets | 1.0877% | 803 |
| Noninterest expense to average assets | 3.3841% | 1,143 |
| Loan and lease loss provision to assets | 0.0944% | 2,147 |
| Net operating income to assets | 0.6660% | 3,967 |
| Return on assets (ROA) | 0.6649% | 4,045 |
| Pretax return on assets | 0.8508% | 3,876 |
| Return on Equity (ROE) | 6.6013% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.6980% | 2,589 |
| Net charge-offs to loans | 0.0069% | 3,428 |
| Credit loss provision to net charge-offs | 1,755.5556% | 213 |
| Earnings coverage of net charge-offs (x) | 176.1111% | 433 |
| Efficiency ratio | 78.1430% | 1,135 |
| Assets per employee ($millions) | 4.2976% | 3,513 |
| Cash dividends to net income (ytd only)* | 28.8323% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 3,976 |
| Loan loss allowance to noncurrent loans | 277.5205% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 3,347 |
| Noncurrent loans to loans | 0.3230% | 3,284 |
| Net loans and leases to total assets | 79.6521% | 834 |
| Net loans and leases to deposits | 91.3033% | 1,453 |
| Net loans and leases to core deposits | 101.8772% | 1,417 |
| Total domestic deposits to total assets | 87.2391% | 1,493 |
| Equity capital to assets | 10.0319% | 3,885 |
| Core capital (leverage) ratio | 10.4826% | 2,967 |
| Tier 1 risk-based capital ratio | 13.8783% | 3,326 |
| Total risk-based capital ratio | 14.8328% | 3,380 |
| Memoranda: | ||
| Average total assets | $502,346,400 | 1,422 |
| Average earning assets | $478,617,600 | 1,384 |
| Average equity | $50,596,400 | 1,584 |
| Average total loans | $390,215,600 | 1,295 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 3,989 |
| Cost of funding earning assets | 0.7833% | 2,793 |
| Net interest margin | 3.3886% | 3,890 |
| Noninterest income to average assets | 1.0535% | 830 |
| Noninterest expense to average assets | 3.3471% | 1,186 |
| Loan and lease loss provision to assets | 0.0914% | 2,085 |
| Net operating income to assets | 0.6594% | 4,134 |
| Return on assets (ROA) | 0.6594% | 4,190 |
| Pretax return on assets | 0.8446% | 4,028 |
| Return on Equity (ROE) | 6.5404% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.8205% | 2,978 |
| Net charge-offs to loans | 0.0035% | 3,290 |
| Credit loss provision to net charge-offs | 3,420.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 350.3788% | 278 |
| Efficiency ratio | 78.1472% | 1,087 |
| Assets per employee ($millions) | 4.1729% | 3,662 |
| Cash dividends to net income (ytd only)* | 26.2966% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 4,073 |
| Loan loss allowance to noncurrent loans | 310.6989% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 3,608 |
| Noncurrent loans to loans | 0.2874% | 3,509 |
| Net loans and leases to total assets | 79.1613% | 965 |
| Net loans and leases to deposits | 90.6832% | 1,611 |
| Net loans and leases to core deposits | 101.5970% | 1,539 |
| Total domestic deposits to total assets | 87.2943% | 1,378 |
| Equity capital to assets | 10.1934% | 3,830 |
| Core capital (leverage) ratio | 10.5600% | 3,049 |
| Tier 1 risk-based capital ratio | 14.4110% | 3,132 |
| Total risk-based capital ratio | 15.3815% | 3,170 |
| Memoranda: | ||
| Average total assets | $499,004,250 | 1,433 |
| Average earning assets | $475,581,500 | 1,396 |
| Average equity | $50,311,500 | 1,591 |
| Average total loans | $384,146,000 | 1,318 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 4,099 |
| Cost of funding earning assets | 0.7547% | 2,874 |
| Net interest margin | 3.3707% | 3,987 |
| Noninterest income to average assets | 0.9798% | 910 |
| Noninterest expense to average assets | 3.3048% | 1,275 |
| Loan and lease loss provision to assets | 0.1014% | 1,846 |
| Net operating income to assets | 0.6157% | 4,266 |
| Return on assets (ROA) | 0.6157% | 4,304 |
| Pretax return on assets | 0.7887% | 4,124 |
| Return on Equity (ROE) | 6.1291% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.6909% | 2,928 |
| Net charge-offs to loans | -0.0159% | 4,475 |
| Credit loss provision to net charge-offs | -840.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7818% | 1,072 |
| Assets per employee ($millions) | 4.2536% | 3,496 |
| Cash dividends to net income (ytd only)* | 23.4641% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,052 |
| Loan loss allowance to noncurrent loans | 207.4182% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 3,069 |
| Noncurrent loans to loans | 0.4381% | 2,961 |
| Net loans and leases to total assets | 75.8660% | 1,569 |
| Net loans and leases to deposits | 86.8052% | 2,158 |
| Net loans and leases to core deposits | 99.1357% | 1,797 |
| Total domestic deposits to total assets | 87.3980% | 1,387 |
| Equity capital to assets | 9.9576% | 4,010 |
| Core capital (leverage) ratio | 10.5609% | 3,020 |
| Tier 1 risk-based capital ratio | 14.8427% | 2,900 |
| Total risk-based capital ratio | 15.8405% | 2,946 |
| Memoranda: | ||
| Average total assets | $497,033,670 | 1,439 |
| Average earning assets | $474,080,330 | 1,404 |
| Average equity | $49,926,000 | 1,592 |
| Average total loans | $377,761,670 | 1,340 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 4,182 |
| Cost of funding earning assets | 0.7334% | 2,868 |
| Net interest margin | 3.3466% | 4,039 |
| Noninterest income to average assets | 0.8672% | 1,125 |
| Noninterest expense to average assets | 3.2272% | 1,429 |
| Loan and lease loss provision to assets | 0.1158% | 1,519 |
| Net operating income to assets | 0.5596% | 4,361 |
| Return on assets (ROA) | 0.5596% | 4,390 |
| Pretax return on assets | 0.7179% | 4,259 |
| Return on Equity (ROE) | 5.5462% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.5462% | 2,672 |
| Net charge-offs to loans | -0.0183% | 4,455 |
| Credit loss provision to net charge-offs | -835.2941% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4697% | 1,108 |
| Assets per employee ($millions) | 4.2786% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 4,125 |
| Loan loss allowance to noncurrent loans | 201.2918% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,087 |
| Noncurrent loans to loans | 0.4503% | 2,969 |
| Net loans and leases to total assets | 75.5127% | 1,561 |
| Net loans and leases to deposits | 86.2700% | 2,099 |
| Net loans and leases to core deposits | 95.2100% | 2,005 |
| Total domestic deposits to total assets | 87.5307% | 1,560 |
| Equity capital to assets | 10.0614% | 3,763 |
| Core capital (leverage) ratio | 10.7519% | 2,802 |
| Tier 1 risk-based capital ratio | 15.1322% | 2,826 |
| Total risk-based capital ratio | 16.1233% | 2,864 |
| Memoranda: | ||
| Average total assets | $490,333,500 | 1,463 |
| Average earning assets | $467,942,000 | 1,428 |
| Average equity | $49,475,500 | 1,595 |
| Average total loans | $371,244,000 | 1,369 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 3,713 |
| Cost of funding earning assets | 0.6315% | 2,513 |
| Net interest margin | 3.4780% | 3,779 |
| Noninterest income to average assets | 1.0373% | 875 |
| Noninterest expense to average assets | 3.2826% | 1,363 |
| Loan and lease loss provision to assets | 0.0695% | 2,748 |
| Net operating income to assets | 0.7790% | 3,880 |
| Return on assets (ROA) | 0.7779% | 3,888 |
| Pretax return on assets | 0.9963% | 3,615 |
| Return on Equity (ROE) | 8.5019% | 3,216 |
| Retained earnings to average equity (ytd only) | 6.9286% | 1,705 |
| Net charge-offs to loans | 0.1792% | 1,073 |
| Credit loss provision to net charge-offs | 49.2891% | 3,201 |
| Earnings coverage of net charge-offs (x) | 7.5656% | 2,980 |
| Efficiency ratio | 75.4662% | 1,431 |
| Assets per employee ($millions) | 4.2863% | 3,481 |
| Cash dividends to net income (ytd only)* | 18.5047% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 4,176 |
| Loan loss allowance to noncurrent loans | 400.1224% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 3,806 |
| Noncurrent loans to loans | 0.2243% | 3,776 |
| Net loans and leases to total assets | 74.5347% | 1,832 |
| Net loans and leases to deposits | 85.0484% | 2,398 |
| Net loans and leases to core deposits | 94.1359% | 2,214 |
| Total domestic deposits to total assets | 87.6379% | 1,473 |
| Equity capital to assets | 10.1197% | 3,552 |
| Core capital (leverage) ratio | 10.6133% | 2,920 |
| Tier 1 risk-based capital ratio | 15.6112% | 2,572 |
| Total risk-based capital ratio | 16.5992% | 2,602 |
| Memoranda: | ||
| Average total assets | $448,766,400 | 1,540 |
| Average earning assets | $427,395,000 | 1,506 |
| Average equity | $41,061,400 | 1,815 |
| Average total loans | $353,256,000 | 1,388 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,712 |
| Cost of funding earning assets | 0.5953% | 2,505 |
| Net interest margin | 3.4819% | 3,757 |
| Noninterest income to average assets | 1.0485% | 865 |
| Noninterest expense to average assets | 3.2357% | 1,447 |
| Loan and lease loss provision to assets | 0.0436% | 3,119 |
| Net operating income to assets | 0.8423% | 3,769 |
| Return on assets (ROA) | 0.8423% | 3,771 |
| Pretax return on assets | 1.0809% | 3,466 |
| Return on Equity (ROE) | 9.4829% | 2,860 |
| Retained earnings to average equity (ytd only) | 7.2785% | 1,988 |
| Net charge-offs to loans | 0.2393% | 715 |
| Credit loss provision to net charge-offs | 22.8935% | 3,000 |
| Earnings coverage of net charge-offs (x) | 5.8982% | 2,933 |
| Efficiency ratio | 74.2092% | 1,560 |
| Assets per employee ($millions) | 4.1331% | 3,681 |
| Cash dividends to net income (ytd only)* | 23.2457% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 4,395 |
| Loan loss allowance to noncurrent loans | 414.0000% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 3,777 |
| Noncurrent loans to loans | 0.2087% | 3,963 |
| Net loans and leases to total assets | 74.9505% | 1,823 |
| Net loans and leases to deposits | 85.4467% | 2,428 |
| Net loans and leases to core deposits | 92.6466% | 2,423 |
| Total domestic deposits to total assets | 87.7160% | 1,383 |
| Equity capital to assets | 10.0717% | 3,567 |
| Core capital (leverage) ratio | 10.9616% | 2,619 |
| Tier 1 risk-based capital ratio | 15.6061% | 2,600 |
| Total risk-based capital ratio | 16.5573% | 2,662 |
| Memoranda: | ||
| Average total assets | $439,869,750 | 1,574 |
| Average earning assets | $418,382,250 | 1,539 |
| Average equity | $39,073,000 | 1,903 |
| Average total loans | $350,500,000 | 1,402 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 3,434 |
| Cost of funding earning assets | 0.5676% | 2,449 |
| Net interest margin | 3.5355% | 3,513 |
| Noninterest income to average assets | 1.0657% | 852 |
| Noninterest expense to average assets | 3.1832% | 1,583 |
| Loan and lease loss provision to assets | 0.0673% | 2,544 |
| Net operating income to assets | 0.9148% | 3,394 |
| Return on assets (ROA) | 0.9148% | 3,396 |
| Pretax return on assets | 1.1737% | 3,033 |
| Return on Equity (ROE) | 10.8355% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.5461% | 1,052 |
| Net charge-offs to loans | 0.3280% | 486 |
| Credit loss provision to net charge-offs | 25.2632% | 2,657 |
| Earnings coverage of net charge-offs (x) | 4.6596% | 2,775 |
| Efficiency ratio | 71.9506% | 2,016 |
| Assets per employee ($millions) | 3.8800% | 4,087 |
| Cash dividends to net income (ytd only)* | 11.8999% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 4,300 |
| Loan loss allowance to noncurrent loans | 272.7586% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 3,471 |
| Noncurrent loans to loans | 0.3334% | 3,500 |
| Net loans and leases to total assets | 80.7908% | 885 |
| Net loans and leases to deposits | 90.8120% | 1,734 |
| Net loans and leases to core deposits | 96.0699% | 2,052 |
| Total domestic deposits to total assets | 88.9649% | 949 |
| Equity capital to assets | 8.6432% | 4,848 |
| Core capital (leverage) ratio | 9.2026% | 4,459 |
| Tier 1 risk-based capital ratio | 12.4620% | 4,209 |
| Total risk-based capital ratio | 13.4519% | 4,249 |
| Memoranda: | ||
| Average total assets | $428,058,670 | 1,618 |
| Average earning assets | $406,614,330 | 1,583 |
| Average equity | $36,140,330 | 2,025 |
| Average total loans | $347,551,000 | 1,416 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,518 |
| Cost of funding earning assets | 0.5639% | 2,287 |
| Net interest margin | 3.4626% | 3,665 |
| Noninterest income to average assets | 0.9797% | 950 |
| Noninterest expense to average assets | 3.0960% | 1,838 |
| Loan and lease loss provision to assets | 0.0616% | 2,547 |
| Net operating income to assets | 0.8762% | 3,385 |
| Return on assets (ROA) | 0.8762% | 3,402 |
| Pretax return on assets | 1.1225% | 3,085 |
| Return on Equity (ROE) | 10.5016% | 2,171 |
| Retained earnings to average equity (ytd only) | 10.5016% | 1,015 |
| Net charge-offs to loans | -0.0392% | 4,865 |
| Credit loss provision to net charge-offs | -194.1176% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3349% | 2,142 |
| Assets per employee ($millions) | 4.4087% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,599 |
| Loan loss allowance to noncurrent loans | 233.6922% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 3,164 |
| Noncurrent loans to loans | 0.4539% | 3,175 |
| Net loans and leases to total assets | 79.6691% | 982 |
| Net loans and leases to deposits | 90.6390% | 1,610 |
| Net loans and leases to core deposits | 105.9416% | 1,240 |
| Total domestic deposits to total assets | 87.8972% | 1,680 |
| Equity capital to assets | 8.3679% | 5,068 |
| Core capital (leverage) ratio | 9.1479% | 4,509 |
| Tier 1 risk-based capital ratio | 12.3344% | 4,355 |
| Total risk-based capital ratio | 13.5001% | 4,300 |
| Memoranda: | ||
| Average total assets | $428,688,000 | 1,620 |
| Average earning assets | $408,599,500 | 1,588 |
| Average equity | $35,766,000 | 2,057 |
| Average total loans | $347,337,000 | 1,412 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 2,919 |
| Cost of funding earning assets | 0.5434% | 1,999 |
| Net interest margin | 3.5946% | 3,190 |
| Noninterest income to average assets | 1.2178% | 707 |
| Noninterest expense to average assets | 3.1898% | 1,632 |
| Loan and lease loss provision to assets | 0.0439% | 3,362 |
| Net operating income to assets | 0.9085% | 2,664 |
| Return on assets (ROA) | 0.9085% | 2,689 |
| Pretax return on assets | 1.3989% | 1,991 |
| Return on Equity (ROE) | 10.9972% | 1,487 |
| Retained earnings to average equity (ytd only) | 9.5228% | 420 |
| Net charge-offs to loans | -0.0606% | 5,235 |
| Credit loss provision to net charge-offs | -86.5385% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8551% | 2,735 |
| Assets per employee ($millions) | 4.2532% | 3,575 |
| Cash dividends to net income (ytd only)* | 13.4068% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 3,710 |
| Loan loss allowance to noncurrent loans | 227.6474% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 3,177 |
| Noncurrent loans to loans | 0.4548% | 3,147 |
| Net loans and leases to total assets | 80.6872% | 875 |
| Net loans and leases to deposits | 92.1160% | 1,506 |
| Net loans and leases to core deposits | 107.9000% | 1,140 |
| Total domestic deposits to total assets | 87.5931% | 1,704 |
| Equity capital to assets | 8.3180% | 5,250 |
| Core capital (leverage) ratio | 8.7910% | 4,873 |
| Tier 1 risk-based capital ratio | 12.0476% | 4,493 |
| Total risk-based capital ratio | 13.1826% | 4,461 |
| Memoranda: | ||
| Average total assets | $409,682,200 | 1,668 |
| Average earning assets | $389,198,600 | 1,636 |
| Average equity | $33,845,000 | 2,139 |
| Average total loans | $343,192,600 | 1,394 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 2,875 |
| Cost of funding earning assets | 0.5331% | 2,005 |
| Net interest margin | 3.5969% | 3,164 |
| Noninterest income to average assets | 1.2838% | 646 |
| Noninterest expense to average assets | 3.1215% | 1,746 |
| Loan and lease loss provision to assets | 0.0591% | 2,897 |
| Net operating income to assets | 1.0801% | 2,178 |
| Return on assets (ROA) | 1.0801% | 2,234 |
| Pretax return on assets | 1.5171% | 1,713 |
| Return on Equity (ROE) | 13.0972% | 1,036 |
| Retained earnings to average equity (ytd only) | 11.1089% | 405 |
| Net charge-offs to loans | -0.0588% | 5,216 |
| Credit loss provision to net charge-offs | -119.2053% | 4,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4475% | 3,131 |
| Assets per employee ($millions) | 4.3967% | 3,317 |
| Cash dividends to net income (ytd only)* | 15.1811% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,943 |
| Loan loss allowance to noncurrent loans | 370.7240% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 3,929 |
| Noncurrent loans to loans | 0.2756% | 3,964 |
| Net loans and leases to total assets | 81.0984% | 825 |
| Net loans and leases to deposits | 93.5155% | 1,352 |
| Net loans and leases to core deposits | 107.0935% | 1,193 |
| Total domestic deposits to total assets | 86.7219% | 1,985 |
| Equity capital to assets | 8.2519% | 5,420 |
| Core capital (leverage) ratio | 8.8838% | 4,883 |
| Tier 1 risk-based capital ratio | 11.7521% | 4,806 |
| Total risk-based capital ratio | 12.8682% | 4,763 |
| Memoranda: | ||
| Average total assets | $405,773,000 | 1,694 |
| Average earning assets | $385,132,000 | 1,656 |
| Average equity | $33,461,750 | 2,169 |
| Average total loans | $342,298,750 | 1,408 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 2,763 |
| Cost of funding earning assets | 0.5216% | 1,996 |
| Net interest margin | 3.5998% | 3,045 |
| Noninterest income to average assets | 1.4023% | 550 |
| Noninterest expense to average assets | 3.1304% | 1,768 |
| Loan and lease loss provision to assets | 0.0899% | 2,183 |
| Net operating income to assets | 1.1615% | 1,731 |
| Return on assets (ROA) | 1.1615% | 1,770 |
| Pretax return on assets | 1.5952% | 1,363 |
| Return on Equity (ROE) | 14.0885% | 800 |
| Retained earnings to average equity (ytd only) | 11.0648% | 431 |
| Net charge-offs to loans | -0.0018% | 4,171 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0067% | 3,501 |
| Assets per employee ($millions) | 4.2813% | 3,466 |
| Cash dividends to net income (ytd only)* | 21.4624% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,323 |
| Loan loss allowance to noncurrent loans | 250.5551% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 3,559 |
| Noncurrent loans to loans | 0.3872% | 3,638 |
| Net loans and leases to total assets | 84.0637% | 442 |
| Net loans and leases to deposits | 96.3086% | 1,045 |
| Net loans and leases to core deposits | 110.5644% | 980 |
| Total domestic deposits to total assets | 87.2858% | 1,813 |
| Equity capital to assets | 8.2427% | 5,426 |
| Core capital (leverage) ratio | 8.8176% | 4,931 |
| Tier 1 risk-based capital ratio | 11.3118% | 5,080 |
| Total risk-based capital ratio | 12.3684% | 5,082 |
| Memoranda: | ||
| Average total assets | $400,335,330 | 1,723 |
| Average earning assets | $379,573,330 | 1,682 |
| Average equity | $33,005,670 | 2,189 |
| Average total loans | $341,119,000 | 1,414 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 2,773 |
| Cost of funding earning assets | 0.4920% | 2,156 |
| Net interest margin | 3.5773% | 2,975 |
| Noninterest income to average assets | 1.7519% | 377 |
| Noninterest expense to average assets | 3.1473% | 1,743 |
| Loan and lease loss provision to assets | 0.1823% | 943 |
| Net operating income to assets | 1.4329% | 933 |
| Return on assets (ROA) | 1.4329% | 959 |
| Pretax return on assets | 1.8096% | 773 |
| Return on Equity (ROE) | 17.3782% | 384 |
| Retained earnings to average equity (ytd only) | 13.9271% | 301 |
| Net charge-offs to loans | 0.0641% | 1,691 |
| Credit loss provision to net charge-offs | 333.3333% | 732 |
| Earnings coverage of net charge-offs (x) | 36.4259% | 1,095 |
| Efficiency ratio | 61.2414% | 4,277 |
| Assets per employee ($millions) | 4.2468% | 3,593 |
| Cash dividends to net income (ytd only)* | 19.8587% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 4,427 |
| Loan loss allowance to noncurrent loans | 177.2098% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 2,786 |
| Noncurrent loans to loans | 0.5493% | 3,168 |
| Net loans and leases to total assets | 83.0378% | 457 |
| Net loans and leases to deposits | 95.7136% | 957 |
| Net loans and leases to core deposits | 105.7402% | 1,117 |
| Total domestic deposits to total assets | 86.7565% | 2,329 |
| Equity capital to assets | 8.1328% | 5,456 |
| Core capital (leverage) ratio | 9.1246% | 4,578 |
| Tier 1 risk-based capital ratio | 11.2036% | 5,204 |
| Total risk-based capital ratio | 12.2526% | 5,220 |
| Memoranda: | ||
| Average total assets | $395,001,000 | 1,756 |
| Average earning assets | $374,021,000 | 1,717 |
| Average equity | $32,569,500 | 2,213 |
| Average total loans | $337,233,500 | 1,432 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 2,651 |
| Cost of funding earning assets | 0.5107% | 2,010 |
| Net interest margin | 3.6415% | 2,924 |
| Noninterest income to average assets | 1.1644% | 833 |
| Noninterest expense to average assets | 3.4242% | 1,302 |
| Loan and lease loss provision to assets | 0.2531% | 827 |
| Net operating income to assets | 0.5998% | 4,205 |
| Return on assets (ROA) | 0.6216% | 4,232 |
| Pretax return on assets | 0.9487% | 3,661 |
| Return on Equity (ROE) | 7.2446% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.3804% | 2,793 |
| Net charge-offs to loans | 0.0888% | 2,432 |
| Credit loss provision to net charge-offs | 338.6861% | 897 |
| Earnings coverage of net charge-offs (x) | 15.6387% | 2,188 |
| Efficiency ratio | 74.5531% | 2,217 |
| Assets per employee ($millions) | 3.8617% | 4,206 |
| Cash dividends to net income (ytd only)* | 39.5349% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 4,513 |
| Loan loss allowance to noncurrent loans | 260.3252% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 3,287 |
| Noncurrent loans to loans | 0.3698% | 3,799 |
| Net loans and leases to total assets | 86.1601% | 224 |
| Net loans and leases to deposits | 98.6564% | 765 |
| Net loans and leases to core deposits | 108.1479% | 1,015 |
| Total domestic deposits to total assets | 87.3335% | 1,969 |
| Equity capital to assets | 8.3655% | 5,376 |
| Core capital (leverage) ratio | 8.9848% | 4,760 |
| Tier 1 risk-based capital ratio | 11.1062% | 5,286 |
| Total risk-based capital ratio | 12.1398% | 5,289 |
| Memoranda: | ||
| Average total assets | $366,624,000 | 1,824 |
| Average earning assets | $345,187,800 | 1,801 |
| Average equity | $31,458,000 | 2,253 |
| Average total loans | $308,418,000 | 1,484 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 2,736 |
| Cost of funding earning assets | 0.5088% | 2,027 |
| Net interest margin | 3.6280% | 2,975 |
| Noninterest income to average assets | 1.1517% | 861 |
| Noninterest expense to average assets | 3.4558% | 1,233 |
| Loan and lease loss provision to assets | 0.2077% | 1,016 |
| Net operating income to assets | 0.5890% | 4,336 |
| Return on assets (ROA) | 0.6179% | 4,340 |
| Pretax return on assets | 0.9455% | 3,828 |
| Return on Equity (ROE) | 7.1545% | 3,476 |
| Retained earnings to average equity (ytd only) | 4.2433% | 3,307 |
| Net charge-offs to loans | 0.0745% | 2,254 |
| Credit loss provision to net charge-offs | 334.3195% | 954 |
| Earnings coverage of net charge-offs (x) | 17.8460% | 2,033 |
| Efficiency ratio | 75.7107% | 2,019 |
| Assets per employee ($millions) | 3.7808% | 4,340 |
| Cash dividends to net income (ytd only)* | 40.6901% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 4,813 |
| Loan loss allowance to noncurrent loans | 194.3234% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 3,285 |
| Noncurrent loans to loans | 0.4727% | 3,599 |
| Net loans and leases to total assets | 84.8339% | 340 |
| Net loans and leases to deposits | 97.2798% | 923 |
| Net loans and leases to core deposits | 106.8768% | 1,119 |
| Total domestic deposits to total assets | 87.2061% | 1,798 |
| Equity capital to assets | 8.5016% | 5,530 |
| Core capital (leverage) ratio | 9.1266% | 4,686 |
| Tier 1 risk-based capital ratio | 11.3272% | 5,188 |
| Total risk-based capital ratio | 12.3076% | 5,247 |
| Memoranda: | ||
| Average total assets | $362,703,000 | 1,848 |
| Average earning assets | $341,191,000 | 1,823 |
| Average equity | $31,327,000 | 2,282 |
| Average total loans | $302,372,750 | 1,512 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 2,788 |
| Cost of funding earning assets | 0.5064% | 2,050 |
| Net interest margin | 3.6121% | 3,051 |
| Noninterest income to average assets | 1.1727% | 815 |
| Noninterest expense to average assets | 3.4222% | 1,333 |
| Loan and lease loss provision to assets | 0.1694% | 1,312 |
| Net operating income to assets | 0.6346% | 4,121 |
| Return on assets (ROA) | 0.6621% | 4,133 |
| Pretax return on assets | 1.0183% | 3,521 |
| Return on Equity (ROE) | 7.6246% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.6338% | 2,953 |
| Net charge-offs to loans | 0.0857% | 1,988 |
| Credit loss provision to net charge-offs | 239.3701% | 1,142 |
| Earnings coverage of net charge-offs (x) | 16.1811% | 1,943 |
| Efficiency ratio | 74.9237% | 2,228 |
| Assets per employee ($millions) | 3.6957% | 4,448 |
| Cash dividends to net income (ytd only)* | 39.2256% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 5,052 |
| Loan loss allowance to noncurrent loans | 225.0206% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 3,280 |
| Noncurrent loans to loans | 0.3871% | 3,972 |
| Net loans and leases to total assets | 83.9222% | 424 |
| Net loans and leases to deposits | 96.7001% | 1,001 |
| Net loans and leases to core deposits | 105.3391% | 1,231 |
| Total domestic deposits to total assets | 86.7861% | 2,018 |
| Equity capital to assets | 8.5491% | 5,570 |
| Core capital (leverage) ratio | 9.2814% | 4,482 |
| Tier 1 risk-based capital ratio | 11.2771% | 5,284 |
| Total risk-based capital ratio | 12.1888% | 5,379 |
| Memoranda: | ||
| Average total assets | $358,838,670 | 1,867 |
| Average earning assets | $337,252,330 | 1,846 |
| Average equity | $31,162,330 | 2,297 |
| Average total loans | $296,339,000 | 1,535 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 2,921 |
| Cost of funding earning assets | 0.5110% | 2,019 |
| Net interest margin | 3.5709% | 3,199 |
| Noninterest income to average assets | 1.1226% | 866 |
| Noninterest expense to average assets | 3.5330% | 1,129 |
| Loan and lease loss provision to assets | 0.1132% | 1,848 |
| Net operating income to assets | 0.5439% | 4,451 |
| Return on assets (ROA) | 0.5760% | 4,401 |
| Pretax return on assets | 0.8781% | 3,939 |
| Return on Equity (ROE) | 6.5792% | 3,685 |
| Retained earnings to average equity (ytd only) | 3.1410% | 3,948 |
| Net charge-offs to loans | 0.0986% | 1,540 |
| Credit loss provision to net charge-offs | 140.8451% | 1,313 |
| Earnings coverage of net charge-offs (x) | 11.7324% | 1,846 |
| Efficiency ratio | 78.9381% | 1,763 |
| Assets per employee ($millions) | 3.5267% | 4,774 |
| Cash dividends to net income (ytd only)* | 52.2593% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 5,147 |
| Loan loss allowance to noncurrent loans | 226.2511% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 3,232 |
| Noncurrent loans to loans | 0.3851% | 4,061 |
| Net loans and leases to total assets | 82.3010% | 524 |
| Net loans and leases to deposits | 94.4848% | 1,096 |
| Net loans and leases to core deposits | 102.4043% | 1,305 |
| Total domestic deposits to total assets | 87.1050% | 2,156 |
| Equity capital to assets | 8.7347% | 5,395 |
| Core capital (leverage) ratio | 9.3790% | 4,384 |
| Tier 1 risk-based capital ratio | 11.6336% | 5,147 |
| Total risk-based capital ratio | 12.5370% | 5,255 |
| Memoranda: | ||
| Average total assets | $353,472,000 | 1,891 |
| Average earning assets | $331,905,500 | 1,872 |
| Average equity | $30,946,000 | 2,307 |
| Average total loans | $288,069,500 | 1,572 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 2,743 |
| Cost of funding earning assets | 0.4888% | 2,270 |
| Net interest margin | 3.6587% | 2,904 |
| Noninterest income to average assets | 1.3224% | 691 |
| Noninterest expense to average assets | 3.5236% | 1,255 |
| Loan and lease loss provision to assets | 0.0182% | 4,045 |
| Net operating income to assets | 0.7882% | 3,387 |
| Return on assets (ROA) | 0.7984% | 3,430 |
| Pretax return on assets | 1.2153% | 2,605 |
| Return on Equity (ROE) | 8.8191% | 2,547 |
| Retained earnings to average equity (ytd only) | 4.8123% | 2,556 |
| Net charge-offs to loans | 0.0660% | 2,913 |
| Credit loss provision to net charge-offs | 33.8983% | 3,604 |
| Earnings coverage of net charge-offs (x) | 22.7458% | 1,758 |
| Efficiency ratio | 74.3125% | 2,532 |
| Assets per employee ($millions) | 3.7313% | 4,408 |
| Cash dividends to net income (ytd only)* | 45.4339% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 5,055 |
| Loan loss allowance to noncurrent loans | 220.2247% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 2,932 |
| Noncurrent loans to loans | 0.4126% | 3,970 |
| Net loans and leases to total assets | 79.2195% | 958 |
| Net loans and leases to deposits | 91.5370% | 1,448 |
| Net loans and leases to core deposits | 98.8203% | 1,607 |
| Total domestic deposits to total assets | 86.5437% | 2,356 |
| Equity capital to assets | 8.7754% | 5,333 |
| Core capital (leverage) ratio | 9.4806% | 4,202 |
| Tier 1 risk-based capital ratio | 12.1848% | 4,832 |
| Total risk-based capital ratio | 13.1282% | 4,935 |
| Memoranda: | ||
| Average total assets | $330,541,800 | 1,988 |
| Average earning assets | $308,908,200 | 1,970 |
| Average equity | $29,923,600 | 2,325 |
| Average total loans | $268,271,400 | 1,626 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 2,684 |
| Cost of funding earning assets | 0.4792% | 2,415 |
| Net interest margin | 3.6893% | 2,810 |
| Noninterest income to average assets | 1.2748% | 733 |
| Noninterest expense to average assets | 3.5375% | 1,215 |
| Loan and lease loss provision to assets | 0.0397% | 3,417 |
| Net operating income to assets | 0.7551% | 3,660 |
| Return on assets (ROA) | 0.7689% | 3,680 |
| Pretax return on assets | 1.1621% | 2,960 |
| Return on Equity (ROE) | 8.4235% | 2,858 |
| Retained earnings to average equity (ytd only) | 4.1467% | 3,514 |
| Net charge-offs to loans | 0.0357% | 3,197 |
| Credit loss provision to net charge-offs | 136.6197% | 1,804 |
| Earnings coverage of net charge-offs (x) | 40.6074% | 1,229 |
| Efficiency ratio | 74.9718% | 2,407 |
| Assets per employee ($millions) | 3.5142% | 4,770 |
| Cash dividends to net income (ytd only)* | 50.7724% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 4,869 |
| Loan loss allowance to noncurrent loans | 46.4847% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.0105% | 1,018 |
| Noncurrent loans to loans | 2.0950% | 1,082 |
| Net loans and leases to total assets | 81.9628% | 581 |
| Net loans and leases to deposits | 94.7709% | 1,111 |
| Net loans and leases to core deposits | 101.9562% | 1,386 |
| Total domestic deposits to total assets | 86.4852% | 2,288 |
| Equity capital to assets | 9.0421% | 5,270 |
| Core capital (leverage) ratio | 9.8098% | 3,888 |
| Tier 1 risk-based capital ratio | 12.0847% | 5,029 |
| Total risk-based capital ratio | 13.0898% | 5,099 |
| Memoranda: | ||
| Average total assets | $325,491,500 | 2,034 |
| Average earning assets | $303,828,250 | 2,013 |
| Average equity | $29,709,750 | 2,350 |
| Average total loans | $265,238,000 | 1,656 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 2,659 |
| Cost of funding earning assets | 0.4844% | 2,394 |
| Net interest margin | 3.6815% | 2,791 |
| Noninterest income to average assets | 1.2829% | 745 |
| Noninterest expense to average assets | 3.5512% | 1,212 |
| Loan and lease loss provision to assets | 0.0601% | 2,903 |
| Net operating income to assets | 0.7221% | 3,779 |
| Return on assets (ROA) | 0.7313% | 3,842 |
| Pretax return on assets | 1.1193% | 3,091 |
| Return on Equity (ROE) | 7.9863% | 3,062 |
| Retained earnings to average equity (ytd only) | 4.4466% | 3,179 |
| Net charge-offs to loans | 0.0856% | 2,183 |
| Credit loss provision to net charge-offs | 86.6071% | 2,252 |
| Earnings coverage of net charge-offs (x) | 16.7857% | 1,888 |
| Efficiency ratio | 75.2957% | 2,495 |
| Assets per employee ($millions) | 3.3301% | 5,108 |
| Cash dividends to net income (ytd only)* | 44.3220% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 4,883 |
| Loan loss allowance to noncurrent loans | 51.7275% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.8795% | 1,214 |
| Noncurrent loans to loans | 1.9263% | 1,293 |
| Net loans and leases to total assets | 81.5110% | 603 |
| Net loans and leases to deposits | 94.6723% | 1,080 |
| Net loans and leases to core deposits | 101.1972% | 1,387 |
| Total domestic deposits to total assets | 86.0980% | 2,645 |
| Equity capital to assets | 9.2574% | 4,946 |
| Core capital (leverage) ratio | 9.7876% | 3,878 |
| Tier 1 risk-based capital ratio | 12.1263% | 5,063 |
| Total risk-based capital ratio | 13.1281% | 5,128 |
| Memoranda: | ||
| Average total assets | $322,705,670 | 2,058 |
| Average earning assets | $300,967,000 | 2,043 |
| Average equity | $29,550,670 | 2,373 |
| Average total loans | $261,543,000 | 1,675 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 2,729 |
| Cost of funding earning assets | 0.4936% | 2,344 |
| Net interest margin | 3.6311% | 2,889 |
| Noninterest income to average assets | 1.3009% | 681 |
| Noninterest expense to average assets | 3.5343% | 1,236 |
| Loan and lease loss provision to assets | 0.0397% | 3,120 |
| Net operating income to assets | 0.7193% | 3,704 |
| Return on assets (ROA) | 0.7218% | 3,820 |
| Pretax return on assets | 1.1149% | 3,019 |
| Return on Equity (ROE) | 7.9252% | 2,992 |
| Retained earnings to average equity (ytd only) | 3.2137% | 4,062 |
| Net charge-offs to loans | 0.0093% | 3,027 |
| Credit loss provision to net charge-offs | 533.3333% | 513 |
| Earnings coverage of net charge-offs (x) | 154.6667% | 350 |
| Efficiency ratio | 75.4367% | 2,597 |
| Assets per employee ($millions) | 3.4206% | 5,047 |
| Cash dividends to net income (ytd only)* | 59.4502% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 4,900 |
| Loan loss allowance to noncurrent loans | 51.9598% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.9898% | 1,191 |
| Noncurrent loans to loans | 1.9723% | 1,328 |
| Net loans and leases to total assets | 79.9794% | 687 |
| Net loans and leases to deposits | 92.2897% | 1,151 |
| Net loans and leases to core deposits | 99.9523% | 1,320 |
| Total domestic deposits to total assets | 86.6613% | 2,567 |
| Equity capital to assets | 9.0898% | 5,203 |
| Core capital (leverage) ratio | 9.7105% | 4,002 |
| Tier 1 risk-based capital ratio | 11.9141% | 5,296 |
| Total risk-based capital ratio | 12.9280% | 5,354 |
| Memoranda: | ||
| Average total assets | $322,549,000 | 2,069 |
| Average earning assets | $300,628,500 | 2,049 |
| Average equity | $29,374,500 | 2,402 |
| Average total loans | $259,341,500 | 1,689 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,710 |
| Cost of funding earning assets | 0.4509% | 3,165 |
| Net interest margin | 3.8181% | 2,558 |
| Noninterest income to average assets | 1.4219% | 601 |
| Noninterest expense to average assets | 3.6386% | 1,235 |
| Loan and lease loss provision to assets | 0.2660% | 825 |
| Net operating income to assets | 0.7014% | 3,886 |
| Return on assets (ROA) | 0.7294% | 3,852 |
| Pretax return on assets | 1.0876% | 3,134 |
| Return on Equity (ROE) | 7.6079% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.4400% | 2,300 |
| Net charge-offs to loans | 0.5200% | 786 |
| Credit loss provision to net charge-offs | 64.0945% | 3,202 |
| Earnings coverage of net charge-offs (x) | 3.1606% | 3,962 |
| Efficiency ratio | 73.5015% | 2,929 |
| Assets per employee ($millions) | 3.3699% | 5,128 |
| Cash dividends to net income (ytd only)* | 28.4946% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 4,850 |
| Loan loss allowance to noncurrent loans | 48.8364% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 2.0788% | 1,198 |
| Noncurrent loans to loans | 2.1309% | 1,272 |
| Net loans and leases to total assets | 79.1614% | 863 |
| Net loans and leases to deposits | 91.4312% | 1,351 |
| Net loans and leases to core deposits | 99.0750% | 1,462 |
| Total domestic deposits to total assets | 86.5803% | 2,521 |
| Equity capital to assets | 9.1244% | 5,158 |
| Core capital (leverage) ratio | 9.8370% | 3,791 |
| Tier 1 risk-based capital ratio | 13.2759% | 4,551 |
| Total risk-based capital ratio | 14.3966% | 4,549 |
| Memoranda: | ||
| Average total assets | $305,999,800 | 2,124 |
| Average earning assets | $282,782,200 | 2,102 |
| Average equity | $29,338,000 | 2,315 |
| Average total loans | $244,238,400 | 1,723 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,649 |
| Cost of funding earning assets | 0.4326% | 3,442 |
| Net interest margin | 3.8643% | 2,374 |
| Noninterest income to average assets | 1.4538% | 595 |
| Noninterest expense to average assets | 3.6689% | 1,175 |
| Loan and lease loss provision to assets | 0.3324% | 548 |
| Net operating income to assets | 0.6878% | 4,006 |
| Return on assets (ROA) | 0.7106% | 3,988 |
| Pretax return on assets | 1.0496% | 3,379 |
| Return on Equity (ROE) | 7.3180% | 3,545 |
| Retained earnings to average equity (ytd only) | 5.0799% | 3,036 |
| Net charge-offs to loans | 0.1464% | 2,332 |
| Credit loss provision to net charge-offs | 284.5283% | 946 |
| Earnings coverage of net charge-offs (x) | 11.5435% | 2,418 |
| Efficiency ratio | 73.1242% | 2,970 |
| Assets per employee ($millions) | 3.0941% | 5,604 |
| Cash dividends to net income (ytd only)* | 30.5833% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 2,958 |
| Loan loss allowance to noncurrent loans | 54.1229% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.9770% | 796 |
| Noncurrent loans to loans | 2.6736% | 1,073 |
| Net loans and leases to total assets | 79.4647% | 777 |
| Net loans and leases to deposits | 92.0706% | 1,218 |
| Net loans and leases to core deposits | 99.6587% | 1,401 |
| Total domestic deposits to total assets | 86.3084% | 2,697 |
| Equity capital to assets | 9.6694% | 4,584 |
| Core capital (leverage) ratio | 9.8963% | 3,824 |
| Tier 1 risk-based capital ratio | 13.1495% | 4,764 |
| Total risk-based capital ratio | 14.4032% | 4,697 |
| Memoranda: | ||
| Average total assets | $302,464,250 | 2,159 |
| Average earning assets | $278,919,500 | 2,150 |
| Average equity | $29,369,750 | 2,323 |
| Average total loans | $241,274,500 | 1,756 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 2,544 |
| Cost of funding earning assets | 0.4157% | 3,700 |
| Net interest margin | 3.8965% | 2,183 |
| Noninterest income to average assets | 1.4193% | 600 |
| Noninterest expense to average assets | 3.6848% | 1,167 |
| Loan and lease loss provision to assets | 0.3532% | 506 |
| Net operating income to assets | 0.6625% | 4,030 |
| Return on assets (ROA) | 0.6970% | 3,945 |
| Pretax return on assets | 1.0235% | 3,383 |
| Return on Equity (ROE) | 7.1676% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.1941% | 2,835 |
| Net charge-offs to loans | 0.2490% | 1,563 |
| Credit loss provision to net charge-offs | 178.4512% | 1,279 |
| Earnings coverage of net charge-offs (x) | 6.7003% | 2,735 |
| Efficiency ratio | 73.5372% | 3,057 |
| Assets per employee ($millions) | 3.0473% | 5,689 |
| Cash dividends to net income (ytd only)* | 27.5335% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 3,415 |
| Loan loss allowance to noncurrent loans | 105.9716% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.9470% | 1,654 |
| Noncurrent loans to loans | 1.3097% | 2,621 |
| Net loans and leases to total assets | 78.2046% | 887 |
| Net loans and leases to deposits | 91.2342% | 1,245 |
| Net loans and leases to core deposits | 98.2029% | 1,427 |
| Total domestic deposits to total assets | 85.7185% | 3,186 |
| Equity capital to assets | 9.7109% | 4,477 |
| Core capital (leverage) ratio | 10.0407% | 3,556 |
| Tier 1 risk-based capital ratio | 13.5050% | 4,576 |
| Total risk-based capital ratio | 14.7580% | 4,517 |
| Memoranda: | ||
| Average total assets | $300,149,670 | 2,175 |
| Average earning assets | $276,661,330 | 2,164 |
| Average equity | $29,187,000 | 2,324 |
| Average total loans | $238,539,330 | 1,766 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 2,522 |
| Cost of funding earning assets | 0.4111% | 3,848 |
| Net interest margin | 3.8880% | 2,130 |
| Noninterest income to average assets | 1.3819% | 610 |
| Noninterest expense to average assets | 3.7118% | 1,115 |
| Loan and lease loss provision to assets | 0.5251% | 272 |
| Net operating income to assets | 0.4982% | 4,704 |
| Return on assets (ROA) | 0.4982% | 4,784 |
| Pretax return on assets | 0.7265% | 4,400 |
| Return on Equity (ROE) | 5.1200% | 4,484 |
| Retained earnings to average equity (ytd only) | 3.1327% | 4,244 |
| Net charge-offs to loans | 0.0996% | 2,174 |
| Credit loss provision to net charge-offs | 662.7119% | 432 |
| Earnings coverage of net charge-offs (x) | 15.7966% | 1,531 |
| Efficiency ratio | 74.7835% | 3,001 |
| Assets per employee ($millions) | 3.1235% | 5,647 |
| Cash dividends to net income (ytd only)* | 38.8140% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 3,493 |
| Loan loss allowance to noncurrent loans | 88.9261% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.1814% | 1,521 |
| Noncurrent loans to loans | 1.6008% | 2,418 |
| Net loans and leases to total assets | 79.7424% | 578 |
| Net loans and leases to deposits | 91.8056% | 971 |
| Net loans and leases to core deposits | 98.3640% | 1,213 |
| Total domestic deposits to total assets | 86.8601% | 2,906 |
| Equity capital to assets | 9.7006% | 4,225 |
| Core capital (leverage) ratio | 9.9690% | 3,611 |
| Tier 1 risk-based capital ratio | 13.0073% | 4,998 |
| Total risk-based capital ratio | 14.2609% | 4,926 |
| Memoranda: | ||
| Average total assets | $297,860,000 | 2,189 |
| Average earning assets | $274,380,000 | 2,188 |
| Average equity | $28,984,500 | 2,327 |
| Average total loans | $236,976,000 | 1,777 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 3,157 |
| Cost of funding earning assets | 0.4586% | 4,036 |
| Net interest margin | 3.7894% | 2,686 |
| Noninterest income to average assets | 1.4873% | 636 |
| Noninterest expense to average assets | 3.8750% | 1,026 |
| Loan and lease loss provision to assets | -0.1014% | 6,485 |
| Net operating income to assets | 0.8028% | 3,279 |
| Return on assets (ROA) | 0.8028% | 3,379 |
| Pretax return on assets | 1.1773% | 2,662 |
| Return on Equity (ROE) | 8.7951% | 2,642 |
| Retained earnings to average equity (ytd only) | 7.9952% | 1,062 |
| Net charge-offs to loans | 0.0999% | 3,845 |
| Credit loss provision to net charge-offs | -134.5291% | 5,929 |
| Earnings coverage of net charge-offs (x) | 14.2735% | 1,958 |
| Efficiency ratio | 78.2686% | 2,426 |
| Assets per employee ($millions) | 3.1143% | 5,646 |
| Cash dividends to net income (ytd only)* | 9.0947% | 4,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 3,897 |
| Loan loss allowance to noncurrent loans | 93.8082% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.0229% | 1,775 |
| Noncurrent loans to loans | 1.4379% | 2,735 |
| Net loans and leases to total assets | 77.1522% | 931 |
| Net loans and leases to deposits | 88.0604% | 1,456 |
| Net loans and leases to core deposits | 94.6117% | 1,553 |
| Total domestic deposits to total assets | 87.6128% | 2,412 |
| Equity capital to assets | 9.7616% | 4,084 |
| Core capital (leverage) ratio | 9.8468% | 3,779 |
| Tier 1 risk-based capital ratio | 13.5411% | 4,624 |
| Total risk-based capital ratio | 14.7909% | 4,570 |
| Memoranda: | ||
| Average total assets | $295,848,000 | 2,169 |
| Average earning assets | $270,409,200 | 2,174 |
| Average equity | $27,003,600 | 2,455 |
| Average total loans | $223,260,400 | 1,833 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 3,222 |
| Cost of funding earning assets | 0.4637% | 4,129 |
| Net interest margin | 3.7797% | 2,715 |
| Noninterest income to average assets | 1.4561% | 694 |
| Noninterest expense to average assets | 3.6996% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8157% | 3,267 |
| Return on assets (ROA) | 0.8157% | 3,398 |
| Pretax return on assets | 1.2060% | 2,666 |
| Return on Equity (ROE) | 9.0949% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.2106% | 1,333 |
| Net charge-offs to loans | 0.1404% | 3,134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 11.4849% | 2,240 |
| Efficiency ratio | 75.4157% | 2,824 |
| Assets per employee ($millions) | 3.1909% | 5,514 |
| Cash dividends to net income (ytd only)* | 9.7237% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,393 |
| Loan loss allowance to noncurrent loans | 100.3530% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 2.4737% | 1,559 |
| Noncurrent loans to loans | 1.5105% | 2,903 |
| Net loans and leases to total assets | 75.4935% | 1,068 |
| Net loans and leases to deposits | 86.9279% | 1,500 |
| Net loans and leases to core deposits | 92.8368% | 1,695 |
| Total domestic deposits to total assets | 86.8461% | 2,778 |
| Equity capital to assets | 9.2886% | 4,818 |
| Core capital (leverage) ratio | 9.6808% | 4,128 |
| Tier 1 risk-based capital ratio | 13.3832% | 4,848 |
| Total risk-based capital ratio | 14.6373% | 4,783 |
| Memoranda: | ||
| Average total assets | $295,844,500 | 2,182 |
| Average earning assets | $269,999,500 | 2,188 |
| Average equity | $26,534,250 | 2,526 |
| Average total loans | $221,229,250 | 1,853 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,339 |
| Cost of funding earning assets | 0.4665% | 4,246 |
| Net interest margin | 3.7411% | 2,801 |
| Noninterest income to average assets | 1.3884% | 812 |
| Noninterest expense to average assets | 3.6088% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7930% | 3,330 |
| Return on assets (ROA) | 0.7930% | 3,490 |
| Pretax return on assets | 1.1915% | 2,713 |
| Return on Equity (ROE) | 8.9465% | 2,630 |
| Retained earnings to average equity (ytd only) | 7.6076% | 1,622 |
| Net charge-offs to loans | 0.2091% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.6826% | 2,514 |
| Efficiency ratio | 75.1791% | 2,921 |
| Assets per employee ($millions) | 3.1716% | 5,543 |
| Cash dividends to net income (ytd only)* | 14.9660% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,468 |
| Loan loss allowance to noncurrent loans | 91.3567% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 2.6069% | 1,607 |
| Noncurrent loans to loans | 1.6682% | 2,812 |
| Net loans and leases to total assets | 73.9945% | 1,249 |
| Net loans and leases to deposits | 84.6540% | 1,716 |
| Net loans and leases to core deposits | 90.3650% | 1,881 |
| Total domestic deposits to total assets | 87.4081% | 2,586 |
| Equity capital to assets | 8.9458% | 5,272 |
| Core capital (leverage) ratio | 9.3836% | 4,408 |
| Tier 1 risk-based capital ratio | 12.9162% | 5,210 |
| Total risk-based capital ratio | 14.1703% | 5,143 |
| Memoranda: | ||
| Average total assets | $296,605,000 | 2,186 |
| Average earning assets | $270,510,000 | 2,189 |
| Average equity | $26,289,670 | 2,561 |
| Average total loans | $219,961,670 | 1,859 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 3,369 |
| Cost of funding earning assets | 0.4839% | 4,251 |
| Net interest margin | 3.6991% | 2,856 |
| Noninterest income to average assets | 1.4102% | 771 |
| Noninterest expense to average assets | 3.6127% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7747% | 3,307 |
| Return on assets (ROA) | 0.7747% | 3,445 |
| Pretax return on assets | 1.1668% | 2,695 |
| Return on Equity (ROE) | 8.7818% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.7818% | 1,458 |
| Net charge-offs to loans | 0.2771% | 1,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.7152% | 2,333 |
| Efficiency ratio | 75.5870% | 2,995 |
| Assets per employee ($millions) | 3.1818% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 3,477 |
| Loan loss allowance to noncurrent loans | 83.0875% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 2.9851% | 1,506 |
| Noncurrent loans to loans | 1.9034% | 2,731 |
| Net loans and leases to total assets | 73.4592% | 1,149 |
| Net loans and leases to deposits | 82.7831% | 1,736 |
| Net loans and leases to core deposits | 89.6316% | 1,734 |
| Total domestic deposits to total assets | 88.7370% | 1,844 |
| Equity capital to assets | 8.9123% | 5,601 |
| Core capital (leverage) ratio | 9.1288% | 4,673 |
| Tier 1 risk-based capital ratio | 12.6506% | 5,472 |
| Total risk-based capital ratio | 13.9056% | 5,426 |
| Memoranda: | ||
| Average total assets | $295,843,000 | 2,216 |
| Average earning assets | $269,469,500 | 2,220 |
| Average equity | $26,099,500 | 2,609 |
| Average total loans | $217,936,000 | 1,883 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 3,500 |
| Cost of funding earning assets | 0.6135% | 4,225 |
| Net interest margin | 3.8622% | 2,977 |
| Noninterest income to average assets | 1.4159% | 778 |
| Noninterest expense to average assets | 3.7153% | 1,384 |
| Loan and lease loss provision to assets | 0.3025% | 2,257 |
| Net operating income to assets | 0.5896% | 4,285 |
| Return on assets (ROA) | 0.5896% | 4,548 |
| Pretax return on assets | 0.8657% | 4,049 |
| Return on Equity (ROE) | 6.8124% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.4156% | 1,859 |
| Net charge-offs to loans | 0.8156% | 1,434 |
| Credit loss provision to net charge-offs | 51.1912% | 4,671 |
| Earnings coverage of net charge-offs (x) | 1.9768% | 4,427 |
| Efficiency ratio | 76.0776% | 2,726 |
| Assets per employee ($millions) | 3.1804% | 5,669 |
| Cash dividends to net income (ytd only)* | 5.8241% | 4,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 2,955 |
| Loan loss allowance to noncurrent loans | 87.3442% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 3.0168% | 1,569 |
| Noncurrent loans to loans | 1.9404% | 2,760 |
| Net loans and leases to total assets | 71.4601% | 1,581 |
| Net loans and leases to deposits | 80.8003% | 2,178 |
| Net loans and leases to core deposits | 88.6508% | 2,013 |
| Total domestic deposits to total assets | 88.4404% | 1,933 |
| Equity capital to assets | 8.7319% | 5,817 |
| Core capital (leverage) ratio | 8.8172% | 5,155 |
| Tier 1 risk-based capital ratio | 12.5930% | 5,403 |
| Total risk-based capital ratio | 13.8487% | 5,346 |
| Memoranda: | ||
| Average total assets | $291,198,000 | 2,196 |
| Average earning assets | $261,458,800 | 2,220 |
| Average equity | $25,204,200 | 2,635 |
| Average total loans | $211,016,800 | 1,914 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 3,532 |
| Cost of funding earning assets | 0.6422% | 4,265 |
| Net interest margin | 3.8843% | 2,971 |
| Noninterest income to average assets | 1.4314% | 734 |
| Noninterest expense to average assets | 3.7482% | 1,293 |
| Loan and lease loss provision to assets | 0.3705% | 1,750 |
| Net operating income to assets | 0.5567% | 4,595 |
| Return on assets (ROA) | 0.5567% | 4,853 |
| Pretax return on assets | 0.7883% | 4,540 |
| Return on Equity (ROE) | 6.4460% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.9137% | 2,754 |
| Net charge-offs to loans | 1.0100% | 1,054 |
| Credit loss provision to net charge-offs | 50.6600% | 4,388 |
| Earnings coverage of net charge-offs (x) | 1.5845% | 4,489 |
| Efficiency ratio | 76.3841% | 2,612 |
| Assets per employee ($millions) | 3.0475% | 5,968 |
| Cash dividends to net income (ytd only)* | 8.2576% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 3,004 |
| Loan loss allowance to noncurrent loans | 85.9034% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 3.5929% | 1,390 |
| Noncurrent loans to loans | 2.0227% | 2,820 |
| Net loans and leases to total assets | 72.2540% | 1,510 |
| Net loans and leases to deposits | 81.5021% | 2,185 |
| Net loans and leases to core deposits | 89.6646% | 2,026 |
| Total domestic deposits to total assets | 88.6530% | 1,623 |
| Equity capital to assets | 8.8791% | 5,945 |
| Core capital (leverage) ratio | 8.8409% | 5,281 |
| Tier 1 risk-based capital ratio | 12.1048% | 5,885 |
| Total risk-based capital ratio | 13.3610% | 5,856 |
| Memoranda: | ||
| Average total assets | $290,052,750 | 2,231 |
| Average earning assets | $259,537,250 | 2,258 |
| Average equity | $25,048,500 | 2,682 |
| Average total loans | $210,019,000 | 1,944 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 3,657 |
| Cost of funding earning assets | 0.6706% | 4,272 |
| Net interest margin | 3.8560% | 3,108 |
| Noninterest income to average assets | 1.3934% | 741 |
| Noninterest expense to average assets | 3.6109% | 1,559 |
| Loan and lease loss provision to assets | 0.5368% | 1,152 |
| Net operating income to assets | 0.4906% | 4,862 |
| Return on assets (ROA) | 0.4906% | 5,114 |
| Pretax return on assets | 0.6891% | 4,860 |
| Return on Equity (ROE) | 5.7352% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.1713% | 3,174 |
| Net charge-offs to loans | 0.7758% | 1,416 |
| Credit loss provision to net charge-offs | 96.0543% | 2,877 |
| Earnings coverage of net charge-offs (x) | 2.1936% | 3,887 |
| Efficiency ratio | 74.6545% | 2,957 |
| Assets per employee ($millions) | 3.1888% | 5,667 |
| Cash dividends to net income (ytd only)* | 9.8315% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 2,029 |
| Loan loss allowance to noncurrent loans | 79.9425% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 3.9823% | 1,285 |
| Noncurrent loans to loans | 2.6044% | 2,307 |
| Net loans and leases to total assets | 72.9567% | 1,397 |
| Net loans and leases to deposits | 82.2311% | 2,086 |
| Net loans and leases to core deposits | 88.4793% | 2,150 |
| Total domestic deposits to total assets | 88.7216% | 1,690 |
| Equity capital to assets | 8.7860% | 5,930 |
| Core capital (leverage) ratio | 8.5489% | 5,583 |
| Tier 1 risk-based capital ratio | 11.6545% | 6,137 |
| Total risk-based capital ratio | 12.9096% | 6,116 |
| Memoranda: | ||
| Average total assets | $290,233,000 | 2,226 |
| Average earning assets | $259,178,330 | 2,265 |
| Average equity | $24,829,330 | 2,690 |
| Average total loans | $209,064,330 | 1,950 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 3,796 |
| Cost of funding earning assets | 0.7068% | 4,218 |
| Net interest margin | 3.8236% | 3,275 |
| Noninterest income to average assets | 1.3500% | 784 |
| Noninterest expense to average assets | 3.6950% | 1,383 |
| Loan and lease loss provision to assets | 0.4235% | 1,481 |
| Net operating income to assets | 0.4509% | 5,032 |
| Return on assets (ROA) | 0.4509% | 5,223 |
| Pretax return on assets | 0.6346% | 4,995 |
| Return on Equity (ROE) | 5.3417% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.2051% | 4,068 |
| Net charge-offs to loans | 0.7587% | 1,348 |
| Credit loss provision to net charge-offs | 78.8265% | 2,739 |
| Earnings coverage of net charge-offs (x) | 1.9694% | 3,354 |
| Efficiency ratio | 77.7393% | 2,530 |
| Assets per employee ($millions) | 3.3031% | 5,559 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1373% | 2,009 |
| Loan loss allowance to noncurrent loans | 69.7685% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 4.4032% | 1,225 |
| Noncurrent loans to loans | 3.0634% | 2,101 |
| Net loans and leases to total assets | 67.7867% | 2,152 |
| Net loans and leases to deposits | 76.0166% | 2,794 |
| Net loans and leases to core deposits | 81.3694% | 2,911 |
| Total domestic deposits to total assets | 89.1735% | 1,586 |
| Equity capital to assets | 8.3362% | 6,236 |
| Core capital (leverage) ratio | 8.3302% | 5,824 |
| Tier 1 risk-based capital ratio | 11.6917% | 6,163 |
| Total risk-based capital ratio | 12.9527% | 6,137 |
| Memoranda: | ||
| Average total assets | $291,853,500 | 2,230 |
| Average earning assets | $259,756,000 | 2,281 |
| Average equity | $24,636,500 | 2,699 |
| Average total loans | $206,680,500 | 1,967 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 4,089 |
| Cost of funding earning assets | 1.0929% | 2,717 |
| Net interest margin | 3.6446% | 4,545 |
| Noninterest income to average assets | 1.3559% | 704 |
| Noninterest expense to average assets | 4.2135% | 796 |
| Loan and lease loss provision to assets | 1.1261% | 806 |
| Net operating income to assets | -0.3153% | 6,355 |
| Return on assets (ROA) | -0.3153% | 6,406 |
| Pretax return on assets | -0.7260% | 6,610 |
| Return on Equity (ROE) | -3.6747% | 6,450 |
| Retained earnings to average equity (ytd only) | -3.9417% | 6,365 |
| Net charge-offs to loans | 1.8315% | 799 |
| Credit loss provision to net charge-offs | 86.3601% | 4,186 |
| Earnings coverage of net charge-offs (x) | 0.3069% | 5,595 |
| Efficiency ratio | 91.3259% | 1,093 |
| Assets per employee ($millions) | 3.2548% | 5,605 |
| Cash dividends to net income (ytd only)* | -7.2650% | 7,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 1,879 |
| Loan loss allowance to noncurrent loans | 60.2122% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 4.8320% | 1,119 |
| Noncurrent loans to loans | 3.5899% | 1,780 |
| Net loans and leases to total assets | 70.8591% | 1,853 |
| Net loans and leases to deposits | 80.1820% | 2,490 |
| Net loans and leases to core deposits | 88.0566% | 2,367 |
| Total domestic deposits to total assets | 88.3729% | 1,922 |
| Equity capital to assets | 8.5506% | 6,071 |
| Core capital (leverage) ratio | 8.2129% | 5,971 |
| Tier 1 risk-based capital ratio | 11.3804% | 6,241 |
| Total risk-based capital ratio | 12.6422% | 6,219 |
| Memoranda: | ||
| Average total assets | $296,852,200 | 2,158 |
| Average earning assets | $265,350,400 | 2,205 |
| Average equity | $25,471,200 | 2,528 |
| Average total loans | $211,359,400 | 1,944 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 4,294 |
| Cost of funding earning assets | 1.1654% | 2,531 |
| Net interest margin | 3.5718% | 4,888 |
| Noninterest income to average assets | 1.2311% | 860 |
| Noninterest expense to average assets | 4.3963% | 640 |
| Loan and lease loss provision to assets | 1.2137% | 643 |
| Net operating income to assets | -0.5828% | 6,687 |
| Return on assets (ROA) | -0.5828% | 6,729 |
| Pretax return on assets | -1.1817% | 6,933 |
| Return on Equity (ROE) | -6.7867% | 6,758 |
| Retained earnings to average equity (ytd only) | -7.1393% | 6,716 |
| Net charge-offs to loans | 1.5541% | 918 |
| Credit loss provision to net charge-offs | 110.1414% | 2,996 |
| Earnings coverage of net charge-offs (x) | 0.0291% | 5,579 |
| Efficiency ratio | 99.2761% | 682 |
| Assets per employee ($millions) | 3.3270% | 5,427 |
| Cash dividends to net income (ytd only)* | -5.1946% | 7,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5380% | 1,341 |
| Loan loss allowance to noncurrent loans | 160.7514% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 3.2192% | 1,974 |
| Noncurrent loans to loans | 1.5788% | 3,930 |
| Net loans and leases to total assets | 69.0314% | 2,266 |
| Net loans and leases to deposits | 78.4237% | 2,899 |
| Net loans and leases to core deposits | 86.4944% | 2,708 |
| Total domestic deposits to total assets | 88.0236% | 2,022 |
| Equity capital to assets | 8.4505% | 6,352 |
| Core capital (leverage) ratio | 8.0697% | 6,320 |
| Tier 1 risk-based capital ratio | 11.3601% | 6,325 |
| Total risk-based capital ratio | 12.6257% | 6,310 |
| Memoranda: | ||
| Average total assets | $299,458,750 | 2,148 |
| Average earning assets | $268,058,000 | 2,189 |
| Average equity | $25,716,250 | 2,507 |
| Average total loans | $212,338,500 | 1,954 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 4,514 |
| Cost of funding earning assets | 1.2630% | 2,163 |
| Net interest margin | 3.4414% | 5,402 |
| Noninterest income to average assets | 1.3106% | 733 |
| Noninterest expense to average assets | 3.6236% | 1,692 |
| Loan and lease loss provision to assets | 0.3971% | 2,431 |
| Net operating income to assets | 0.3262% | 5,267 |
| Return on assets (ROA) | 0.3262% | 5,401 |
| Pretax return on assets | 0.3752% | 5,469 |
| Return on Equity (ROE) | 3.7786% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.5175% | 4,010 |
| Net charge-offs to loans | 1.4000% | 1,083 |
| Credit loss provision to net charge-offs | 39.9866% | 4,815 |
| Earnings coverage of net charge-offs (x) | 0.7777% | 4,717 |
| Efficiency ratio | 82.4310% | 2,041 |
| Assets per employee ($millions) | 3.1789% | 5,682 |
| Cash dividends to net income (ytd only)* | 6.9106% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 2,486 |
| Loan loss allowance to noncurrent loans | 95.6734% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 3.9490% | 1,633 |
| Noncurrent loans to loans | 2.0458% | 3,417 |
| Net loans and leases to total assets | 68.9488% | 2,426 |
| Net loans and leases to deposits | 79.6311% | 2,860 |
| Net loans and leases to core deposits | 88.1863% | 2,621 |
| Total domestic deposits to total assets | 86.5853% | 2,997 |
| Equity capital to assets | 8.8554% | 5,760 |
| Core capital (leverage) ratio | 8.6951% | 5,231 |
| Tier 1 risk-based capital ratio | 12.4979% | 5,348 |
| Total risk-based capital ratio | 13.7556% | 5,315 |
| Memoranda: | ||
| Average total assets | $301,686,000 | 2,136 |
| Average earning assets | $270,475,000 | 2,178 |
| Average equity | $26,041,330 | 2,456 |
| Average total loans | $213,994,330 | 1,959 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 4,350 |
| Cost of funding earning assets | 1.3587% | 1,834 |
| Net interest margin | 3.3770% | 5,517 |
| Noninterest income to average assets | 1.2510% | 812 |
| Noninterest expense to average assets | 3.3109% | 2,525 |
| Loan and lease loss provision to assets | 0.5582% | 1,548 |
| Net operating income to assets | 0.3550% | 5,152 |
| Return on assets (ROA) | 0.3550% | 5,227 |
| Pretax return on assets | 0.4157% | 5,295 |
| Return on Equity (ROE) | 4.1655% | 4,822 |
| Retained earnings to average equity (ytd only) | 3.6390% | 3,997 |
| Net charge-offs to loans | 1.0930% | 1,260 |
| Credit loss provision to net charge-offs | 71.6949% | 3,321 |
| Earnings coverage of net charge-offs (x) | 1.2508% | 3,734 |
| Efficiency ratio | 77.2713% | 2,947 |
| Assets per employee ($millions) | 3.3740% | 5,310 |
| Cash dividends to net income (ytd only)* | 12.6394% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2798% | 1,798 |
| Loan loss allowance to noncurrent loans | 164.2373% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 3.1990% | 2,153 |
| Noncurrent loans to loans | 1.3881% | 4,388 |
| Net loans and leases to total assets | 66.9019% | 2,783 |
| Net loans and leases to deposits | 76.1992% | 3,385 |
| Net loans and leases to core deposits | 85.7337% | 2,913 |
| Total domestic deposits to total assets | 87.7988% | 2,487 |
| Equity capital to assets | 8.3689% | 6,087 |
| Core capital (leverage) ratio | 8.6545% | 5,162 |
| Tier 1 risk-based capital ratio | 12.3568% | 5,389 |
| Total risk-based capital ratio | 13.6196% | 5,366 |
| Memoranda: | ||
| Average total assets | $303,122,500 | 2,138 |
| Average earning assets | $272,312,500 | 2,182 |
| Average equity | $25,831,500 | 2,465 |
| Average total loans | $215,921,000 | 1,960 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1825% | 3,688 |
| Cost of funding earning assets | 1.5442% | 2,380 |
| Net interest margin | 3.6383% | 4,626 |
| Noninterest income to average assets | 1.4241% | 710 |
| Noninterest expense to average assets | 3.2661% | 2,847 |
| Loan and lease loss provision to assets | 0.5297% | 3,034 |
| Net operating income to assets | 0.6261% | 3,555 |
| Return on assets (ROA) | 0.6261% | 3,717 |
| Pretax return on assets | 0.8616% | 3,436 |
| Return on Equity (ROE) | 7.5046% | 2,894 |
| Retained earnings to average equity (ytd only) | 7.1869% | 1,245 |
| Net charge-offs to loans | 1.0132% | 2,170 |
| Credit loss provision to net charge-offs | 69.3709% | 5,880 |
| Earnings coverage of net charge-offs (x) | 1.8221% | 4,357 |
| Efficiency ratio | 70.1280% | 4,154 |
| Assets per employee ($millions) | 3.4399% | 5,085 |
| Cash dividends to net income (ytd only)* | 4.2328% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2852% | 1,717 |
| Loan loss allowance to noncurrent loans | 224.4514% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 2.9733% | 2,368 |
| Noncurrent loans to loans | 1.0181% | 5,034 |
| Net loans and leases to total assets | 72.4440% | 1,998 |
| Net loans and leases to deposits | 83.2300% | 2,582 |
| Net loans and leases to core deposits | 93.7158% | 2,293 |
| Total domestic deposits to total assets | 87.0407% | 2,796 |
| Equity capital to assets | 8.6822% | 5,611 |
| Core capital (leverage) ratio | 8.9942% | 4,569 |
| Tier 1 risk-based capital ratio | 12.4781% | 5,040 |
| Total risk-based capital ratio | 13.7415% | 5,015 |
| Memoranda: | ||
| Average total assets | $301,885,400 | 2,144 |
| Average earning assets | $268,287,000 | 2,194 |
| Average equity | $25,184,600 | 2,532 |
| Average total loans | $227,504,800 | 1,919 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 3,758 |
| Cost of funding earning assets | 1.5835% | 2,484 |
| Net interest margin | 3.6324% | 4,717 |
| Noninterest income to average assets | 1.4023% | 690 |
| Noninterest expense to average assets | 3.2515% | 2,732 |
| Loan and lease loss provision to assets | 0.4324% | 3,319 |
| Net operating income to assets | 0.6429% | 3,688 |
| Return on assets (ROA) | 0.6429% | 3,856 |
| Pretax return on assets | 0.9391% | 3,413 |
| Return on Equity (ROE) | 7.7840% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.3583% | 1,664 |
| Net charge-offs to loans | 1.0629% | 1,910 |
| Credit loss provision to net charge-offs | 53.7705% | 5,830 |
| Earnings coverage of net charge-offs (x) | 1.7055% | 4,425 |
| Efficiency ratio | 70.3327% | 3,997 |
| Assets per employee ($millions) | 3.4291% | 5,138 |
| Cash dividends to net income (ytd only)* | 5.4680% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1793% | 1,841 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 2.8814% | 2,522 |
| Noncurrent loans to loans | 0.9988% | 5,238 |
| Net loans and leases to total assets | 73.3050% | 1,948 |
| Net loans and leases to deposits | 84.5463% | 2,610 |
| Net loans and leases to core deposits | 95.5166% | 2,319 |
| Total domestic deposits to total assets | 86.7039% | 2,693 |
| Equity capital to assets | 8.7018% | 6,009 |
| Core capital (leverage) ratio | 8.9331% | 4,792 |
| Tier 1 risk-based capital ratio | 12.3555% | 5,113 |
| Total risk-based capital ratio | 13.6155% | 5,081 |
| Memoranda: | ||
| Average total assets | $303,398,250 | 2,161 |
| Average earning assets | $269,018,250 | 2,222 |
| Average equity | $25,059,500 | 2,581 |
| Average total loans | $229,549,500 | 1,923 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 3,771 |
| Cost of funding earning assets | 1.6326% | 2,467 |
| Net interest margin | 3.6056% | 4,786 |
| Noninterest income to average assets | 1.4062% | 640 |
| Noninterest expense to average assets | 3.2043% | 2,884 |
| Loan and lease loss provision to assets | 0.5054% | 2,776 |
| Net operating income to assets | 0.6031% | 3,868 |
| Return on assets (ROA) | 0.6031% | 4,003 |
| Pretax return on assets | 0.8843% | 3,562 |
| Return on Equity (ROE) | 7.4315% | 3,136 |
| Retained earnings to average equity (ytd only) | 6.7853% | 1,932 |
| Net charge-offs to loans | 0.7878% | 2,274 |
| Credit loss provision to net charge-offs | 84.5395% | 4,579 |
| Earnings coverage of net charge-offs (x) | 2.3246% | 3,837 |
| Efficiency ratio | 69.7489% | 4,231 |
| Assets per employee ($millions) | 3.4406% | 5,070 |
| Cash dividends to net income (ytd only)* | 8.6957% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4564% | 1,356 |
| Loan loss allowance to noncurrent loans | 180.1939% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 3.2176% | 2,197 |
| Noncurrent loans to loans | 1.3632% | 4,666 |
| Net loans and leases to total assets | 73.1441% | 2,127 |
| Net loans and leases to deposits | 84.1471% | 2,850 |
| Net loans and leases to core deposits | 97.1870% | 2,310 |
| Total domestic deposits to total assets | 86.9242% | 2,570 |
| Equity capital to assets | 8.3462% | 6,365 |
| Core capital (leverage) ratio | 8.6162% | 5,208 |
| Tier 1 risk-based capital ratio | 11.8466% | 5,452 |
| Total risk-based capital ratio | 13.1100% | 5,405 |
| Memoranda: | ||
| Average total assets | $305,088,000 | 2,172 |
| Average earning assets | $269,749,000 | 2,232 |
| Average equity | $24,759,330 | 2,614 |
| Average total loans | $231,545,330 | 1,932 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 4,278 |
| Cost of funding earning assets | 1.6721% | 2,529 |
| Net interest margin | 3.4816% | 5,234 |
| Noninterest income to average assets | 1.3741% | 638 |
| Noninterest expense to average assets | 3.2510% | 2,698 |
| Loan and lease loss provision to assets | 0.4049% | 2,940 |
| Net operating income to assets | 0.5721% | 4,022 |
| Return on assets (ROA) | 0.5721% | 4,164 |
| Pretax return on assets | 0.8294% | 3,745 |
| Return on Equity (ROE) | 7.1499% | 3,269 |
| Retained earnings to average equity (ytd only) | 5.8439% | 2,694 |
| Net charge-offs to loans | 1.2335% | 1,376 |
| Credit loss provision to net charge-offs | 42.9958% | 4,587 |
| Earnings coverage of net charge-offs (x) | 1.3107% | 3,961 |
| Efficiency ratio | 72.4811% | 3,849 |
| Assets per employee ($millions) | 3.3388% | 5,457 |
| Cash dividends to net income (ytd only)* | 18.2648% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2797% | 1,609 |
| Loan loss allowance to noncurrent loans | 167.0444% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 2.8926% | 2,480 |
| Noncurrent loans to loans | 1.3647% | 4,696 |
| Net loans and leases to total assets | 73.2609% | 2,140 |
| Net loans and leases to deposits | 83.7086% | 2,987 |
| Net loans and leases to core deposits | 97.5673% | 2,390 |
| Total domestic deposits to total assets | 87.5190% | 2,349 |
| Equity capital to assets | 7.9404% | 6,720 |
| Core capital (leverage) ratio | 8.3784% | 5,597 |
| Tier 1 risk-based capital ratio | 11.2368% | 5,913 |
| Total risk-based capital ratio | 12.4981% | 5,864 |
| Memoranda: | ||
| Average total assets | $306,246,000 | 2,215 |
| Average earning assets | $273,666,000 | 2,257 |
| Average equity | $24,504,000 | 2,666 |
| Average total loans | $233,799,500 | 1,970 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4696% | 4,331 |
| Cost of funding earning assets | 1.8783% | 3,571 |
| Net interest margin | 3.5913% | 4,580 |
| Noninterest income to average assets | 1.6498% | 529 |
| Noninterest expense to average assets | 3.7964% | 1,703 |
| Loan and lease loss provision to assets | 2.2009% | 945 |
| Net operating income to assets | -0.6761% | 6,333 |
| Return on assets (ROA) | -0.6673% | 6,330 |
| Pretax return on assets | -1.1121% | 6,483 |
| Return on Equity (ROE) | -8.1685% | 6,482 |
| Retained earnings to average equity (ytd only) | -12.0996% | 6,691 |
| Net charge-offs to loans | 2.1033% | 1,160 |
| Credit loss provision to net charge-offs | 132.4554% | 3,782 |
| Earnings coverage of net charge-offs (x) | 0.6469% | 5,447 |
| Efficiency ratio | 77.9331% | 3,205 |
| Assets per employee ($millions) | 3.0503% | 6,092 |
| Cash dividends to net income (ytd only)* | -48.1262% | 7,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4352% | 1,311 |
| Loan loss allowance to noncurrent loans | 149.7251% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 3.1297% | 2,208 |
| Noncurrent loans to loans | 1.6264% | 4,204 |
| Net loans and leases to total assets | 75.8626% | 1,835 |
| Net loans and leases to deposits | 86.6194% | 2,805 |
| Net loans and leases to core deposits | 104.2446% | 3,543 |
| Total domestic deposits to total assets | 87.5816% | 2,183 |
| Equity capital to assets | 8.0641% | 6,513 |
| Core capital (leverage) ratio | 8.3789% | 5,476 |
| Tier 1 risk-based capital ratio | 11.1778% | 5,747 |
| Total risk-based capital ratio | 12.4435% | 5,687 |
| Memoranda: | ||
| Average total assets | $303,920,000 | 2,193 |
| Average earning assets | $272,633,800 | 2,219 |
| Average equity | $24,827,200 | 2,623 |
| Average total loans | $240,099,600 | 1,950 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5136% | 4,349 |
| Cost of funding earning assets | 1.9061% | 3,851 |
| Net interest margin | 3.6075% | 4,453 |
| Noninterest income to average assets | 1.4870% | 668 |
| Noninterest expense to average assets | 3.7677% | 1,661 |
| Loan and lease loss provision to assets | 2.9245% | 514 |
| Net operating income to assets | -1.0901% | 6,891 |
| Return on assets (ROA) | -1.0784% | 6,889 |
| Pretax return on assets | -1.9430% | 7,150 |
| Return on Equity (ROE) | -13.1587% | 7,085 |
| Retained earnings to average equity (ytd only) | -18.3806% | 7,284 |
| Net charge-offs to loans | 2.1157% | 917 |
| Credit loss provision to net charge-offs | 174.2887% | 2,658 |
| Earnings coverage of net charge-offs (x) | 0.5740% | 5,457 |
| Efficiency ratio | 79.6408% | 2,909 |
| Assets per employee ($millions) | 3.0610% | 6,009 |
| Cash dividends to net income (ytd only)* | -39.6831% | 7,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9386% | 701 |
| Loan loss allowance to noncurrent loans | 157.7449% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 3.0347% | 2,280 |
| Noncurrent loans to loans | 1.8629% | 3,822 |
| Net loans and leases to total assets | 74.7257% | 2,310 |
| Net loans and leases to deposits | 86.0070% | 3,313 |
| Net loans and leases to core deposits | 102.4574% | 4,109 |
| Total domestic deposits to total assets | 86.8832% | 2,243 |
| Equity capital to assets | 7.5404% | 7,268 |
| Core capital (leverage) ratio | 8.1469% | 6,107 |
| Tier 1 risk-based capital ratio | 10.6953% | 6,254 |
| Total risk-based capital ratio | 11.9672% | 6,203 |
| Memoranda: | ||
| Average total assets | $304,405,000 | 2,203 |
| Average earning assets | $273,715,750 | 2,233 |
| Average equity | $24,946,000 | 2,644 |
| Average total loans | $241,422,500 | 1,959 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5278% | 4,456 |
| Cost of funding earning assets | 1.9491% | 4,006 |
| Net interest margin | 3.5787% | 4,454 |
| Noninterest income to average assets | 1.3619% | 825 |
| Noninterest expense to average assets | 3.6552% | 1,935 |
| Loan and lease loss provision to assets | 2.0649% | 774 |
| Net operating income to assets | -0.5970% | 6,654 |
| Return on assets (ROA) | -0.5970% | 6,661 |
| Pretax return on assets | -1.1131% | 6,886 |
| Return on Equity (ROE) | -7.0949% | 6,815 |
| Retained earnings to average equity (ytd only) | -13.9395% | 7,179 |
| Net charge-offs to loans | 2.7919% | 591 |
| Credit loss provision to net charge-offs | 92.3462% | 4,853 |
| Earnings coverage of net charge-offs (x) | 0.4257% | 5,269 |
| Efficiency ratio | 79.3399% | 3,143 |
| Assets per employee ($millions) | 2.9990% | 6,131 |
| Cash dividends to net income (ytd only)* | -96.4719% | 8,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 2,714 |
| Loan loss allowance to noncurrent loans | 116.9678% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 2.9155% | 2,187 |
| Noncurrent loans to loans | 1.3722% | 4,467 |
| Net loans and leases to total assets | 77.2940% | 1,896 |
| Net loans and leases to deposits | 89.8076% | 2,865 |
| Net loans and leases to core deposits | 104.5127% | 4,005 |
| Total domestic deposits to total assets | 86.0663% | 2,750 |
| Equity capital to assets | 8.1120% | 6,620 |
| Core capital (leverage) ratio | 8.6813% | 5,123 |
| Tier 1 risk-based capital ratio | 11.3895% | 5,505 |
| Total risk-based capital ratio | 12.6444% | 5,410 |
| Memoranda: | ||
| Average total assets | $303,841,000 | 2,233 |
| Average earning assets | $275,515,670 | 2,246 |
| Average equity | $25,567,670 | 2,594 |
| Average total loans | $243,344,000 | 1,981 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5017% | 4,903 |
| Cost of funding earning assets | 1.9999% | 4,128 |
| Net interest margin | 3.5017% | 4,730 |
| Noninterest income to average assets | 1.3434% | 793 |
| Noninterest expense to average assets | 3.2572% | 2,770 |
| Loan and lease loss provision to assets | 2.0729% | 577 |
| Net operating income to assets | -0.4154% | 6,796 |
| Return on assets (ROA) | -0.4154% | 6,866 |
| Pretax return on assets | -0.7992% | 7,035 |
| Return on Equity (ROE) | -4.8492% | 6,967 |
| Retained earnings to average equity (ytd only) | -11.4018% | 7,231 |
| Net charge-offs to loans | 1.2648% | 1,111 |
| Credit loss provision to net charge-offs | 202.6992% | 2,190 |
| Earnings coverage of net charge-offs (x) | 1.2455% | 4,124 |
| Efficiency ratio | 71.8886% | 4,210 |
| Assets per employee ($millions) | 3.0051% | 6,139 |
| Cash dividends to net income (ytd only)* | -135.1266% | 8,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 1,445 |
| Loan loss allowance to noncurrent loans | 161.4697% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.5217% | 3,651 |
| Noncurrent loans to loans | 1.2315% | 4,507 |
| Net loans and leases to total assets | 77.6766% | 1,897 |
| Net loans and leases to deposits | 91.0799% | 2,760 |
| Net loans and leases to core deposits | 106.2439% | 3,882 |
| Total domestic deposits to total assets | 85.2840% | 3,072 |
| Equity capital to assets | 8.2914% | 6,409 |
| Core capital (leverage) ratio | 9.1680% | 4,454 |
| Tier 1 risk-based capital ratio | 11.5539% | 5,353 |
| Total risk-based capital ratio | 12.8138% | 5,245 |
| Memoranda: | ||
| Average total assets | $304,312,500 | 2,244 |
| Average earning assets | $277,007,500 | 2,254 |
| Average equity | $26,066,000 | 2,565 |
| Average total loans | $246,045,500 | 1,985 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2709% | 4,117 |
| Cost of funding earning assets | 2.3405% | 4,969 |
| Net interest margin | 3.9304% | 3,444 |
| Noninterest income to average assets | 1.4499% | 675 |
| Noninterest expense to average assets | 3.1342% | 3,564 |
| Loan and lease loss provision to assets | 0.9768% | 1,508 |
| Net operating income to assets | 0.6652% | 4,043 |
| Return on assets (ROA) | 0.6652% | 3,891 |
| Pretax return on assets | 0.9602% | 3,523 |
| Return on Equity (ROE) | 7.0988% | 3,476 |
| Retained earnings to average equity (ytd only) | -2.0749% | 5,895 |
| Net charge-offs to loans | 0.6848% | 1,793 |
| Credit loss provision to net charge-offs | 179.5594% | 2,813 |
| Earnings coverage of net charge-offs (x) | 3.5606% | 4,313 |
| Efficiency ratio | 61.8041% | 5,991 |
| Assets per employee ($millions) | 2.8759% | 6,381 |
| Cash dividends to net income (ytd only)* | 129.2292% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 2,051 |
| Loan loss allowance to noncurrent loans | 103.7386% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.8643% | 2,643 |
| Noncurrent loans to loans | 1.5933% | 3,383 |
| Net loans and leases to total assets | 81.1453% | 1,403 |
| Net loans and leases to deposits | 95.4997% | 2,528 |
| Net loans and leases to core deposits | 109.1683% | 3,846 |
| Total domestic deposits to total assets | 84.9691% | 2,858 |
| Equity capital to assets | 8.8493% | 5,565 |
| Core capital (leverage) ratio | 9.4495% | 4,090 |
| Tier 1 risk-based capital ratio | 11.8829% | 4,916 |
| Total risk-based capital ratio | 13.1385% | 4,812 |
| Memoranda: | ||
| Average total assets | $300,362,400 | 2,203 |
| Average earning assets | $276,740,400 | 2,189 |
| Average equity | $28,145,800 | 2,398 |
| Average total loans | $238,601,200 | 1,980 |