Home > Bank of Kirksville > Performance and Condition Ratios
Bank of Kirksville, 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 | 3.6700% | 4,299 |
| Cost of funding earning assets | 0.8260% | 3,670 |
| Net interest margin | 2.8440% | 3,581 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 1.6948% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3523% | 1,318 |
| Return on assets (ROA) | 1.3523% | 1,291 |
| Pretax return on assets | 1.3523% | 1,736 |
| Return on Equity (ROE) | 11.7300% | 2,030 |
| Retained earnings to average equity (ytd only) | 9.1474% | 1,222 |
| Net charge-offs to loans | -0.0231% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.6207% | 3,533 |
| Assets per employee ($millions) | 6.9051% | 2,134 |
| Cash dividends to net income (ytd only)* | 22.0264% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 921 |
| Loan loss allowance to noncurrent loans | 1,283.2215% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,382 |
| Noncurrent loans to loans | 0.1214% | 2,910 |
| Net loans and leases to total assets | 29.6500% | 4,300 |
| Net loans and leases to deposits | 35.2127% | 4,285 |
| Net loans and leases to core deposits | 35.4533% | 4,347 |
| Total domestic deposits to total assets | 84.2000% | 2,562 |
| Equity capital to assets | 13.5298% | 761 |
| Core capital (leverage) ratio | 15.1502% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.7873% | 113 |
| Memoranda: | ||
| Average total assets | $436,441,600 | 1,897 |
| Average earning assets | $421,688,400 | 1,833 |
| Average equity | $50,309,400 | 1,601 |
| Average total loans | $125,505,600 | 2,896 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6132% | 4,294 |
| Cost of funding earning assets | 0.7731% | 3,598 |
| Net interest margin | 2.8402% | 3,658 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.6263% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4225% | 1,271 |
| Return on assets (ROA) | 1.4225% | 1,252 |
| Pretax return on assets | 1.4225% | 1,728 |
| Return on Equity (ROE) | 12.8500% | 1,931 |
| Retained earnings to average equity (ytd only) | 9.3237% | 1,599 |
| Net charge-offs to loans | -0.0148% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.3412% | 3,645 |
| Assets per employee ($millions) | 6.8759% | 2,050 |
| Cash dividends to net income (ytd only)* | 27.4609% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 989 |
| Loan loss allowance to noncurrent loans | 934.4828% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,304 |
| Noncurrent loans to loans | 0.1659% | 2,712 |
| Net loans and leases to total assets | 29.7000% | 4,320 |
| Net loans and leases to deposits | 35.0061% | 4,312 |
| Net loans and leases to core deposits | 35.2434% | 4,336 |
| Total domestic deposits to total assets | 84.8300% | 2,548 |
| Equity capital to assets | 12.6735% | 878 |
| Core capital (leverage) ratio | 14.1217% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.8206% | 112 |
| Memoranda: | ||
| Average total assets | $443,702,500 | 1,879 |
| Average earning assets | $429,966,500 | 1,804 |
| Average equity | $49,106,750 | 1,621 |
| Average total loans | $126,205,000 | 2,888 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5318% | 4,315 |
| Cost of funding earning assets | 0.6745% | 3,557 |
| Net interest margin | 2.8573% | 3,717 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.3953% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6762% | 823 |
| Return on assets (ROA) | 1.6762% | 827 |
| Pretax return on assets | 1.6762% | 1,261 |
| Return on Equity (ROE) | 15.8300% | 1,298 |
| Retained earnings to average equity (ytd only) | 15.2055% | 543 |
| Net charge-offs to loans | -0.0235% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.4273% | 4,191 |
| Assets per employee ($millions) | 8.5951% | 1,049 |
| Cash dividends to net income (ytd only)* | 3.9216% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 1,076 |
| Loan loss allowance to noncurrent loans | 886.9159% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,290 |
| Noncurrent loans to loans | 0.1731% | 2,615 |
| Net loans and leases to total assets | 27.7700% | 4,364 |
| Net loans and leases to deposits | 32.1612% | 4,368 |
| Net loans and leases to core deposits | 32.3064% | 4,381 |
| Total domestic deposits to total assets | 86.3500% | 2,131 |
| Equity capital to assets | 11.6461% | 1,155 |
| Core capital (leverage) ratio | 13.4317% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.6638% | 110 |
| Memoranda: | ||
| Average total assets | $456,376,333 | 1,840 |
| Average earning assets | $443,912,000 | 1,774 |
| Average equity | $48,337,667 | 1,641 |
| Average total loans | $127,484,000 | 2,879 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0968% | 4,526 |
| Cost of funding earning assets | 0.6002% | 3,385 |
| Net interest margin | 2.4966% | 4,307 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.3339% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3726% | 1,480 |
| Return on assets (ROA) | 1.3726% | 1,453 |
| Pretax return on assets | 1.3726% | 1,955 |
| Return on Equity (ROE) | 13.6000% | 1,862 |
| Retained earnings to average equity (ytd only) | 13.5970% | 997 |
| Net charge-offs to loans | -0.0371% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.2855% | 3,999 |
| Assets per employee ($millions) | 8.4063% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,276 |
| Loan loss allowance to noncurrent loans | 119.3325% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 1,490 |
| Noncurrent loans to loans | 1.2532% | 547 |
| Net loans and leases to total assets | 27.0000% | 4,425 |
| Net loans and leases to deposits | 30.9978% | 4,426 |
| Net loans and leases to core deposits | 31.1048% | 4,444 |
| Total domestic deposits to total assets | 87.1000% | 2,226 |
| Equity capital to assets | 10.6186% | 1,502 |
| Core capital (leverage) ratio | 12.3957% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5044% | 120 |
| Memoranda: | ||
| Average total assets | $465,388,500 | 1,835 |
| Average earning assets | $451,822,500 | 1,768 |
| Average equity | $46,981,000 | 1,689 |
| Average total loans | $129,412,500 | 2,894 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9411% | 4,615 |
| Cost of funding earning assets | 0.2428% | 3,385 |
| Net interest margin | 1.6983% | 4,609 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.4061% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5196% | 4,057 |
| Return on assets (ROA) | 0.0332% | 4,532 |
| Pretax return on assets | 0.0332% | 4,527 |
| Return on Equity (ROE) | 0.3300% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.2816% | 4,303 |
| Net charge-offs to loans | 0.1594% | 517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 11.8182% | 2,140 |
| Efficiency ratio | 73.0173% | 1,323 |
| Assets per employee ($millions) | 8.5169% | 1,086 |
| Cash dividends to net income (ytd only)* | 15.8228% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,415 |
| Loan loss allowance to noncurrent loans | 86.1785% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 1,090 |
| Noncurrent loans to loans | 1.6540% | 382 |
| Net loans and leases to total assets | 27.8000% | 4,439 |
| Net loans and leases to deposits | 31.5496% | 4,441 |
| Net loans and leases to core deposits | 31.7219% | 4,455 |
| Total domestic deposits to total assets | 88.1200% | 2,029 |
| Equity capital to assets | 9.5782% | 1,945 |
| Core capital (leverage) ratio | 12.4041% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0051% | 151 |
| Memoranda: | ||
| Average total assets | $475,369,800 | 1,783 |
| Average earning assets | $463,334,600 | 1,719 |
| Average equity | $47,232,000 | 1,696 |
| Average total loans | $131,094,000 | 2,817 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7735% | 4,639 |
| Cost of funding earning assets | 0.2022% | 3,246 |
| Net interest margin | 1.5713% | 4,633 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.4034% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4136% | 4,218 |
| Return on assets (ROA) | 0.4136% | 4,161 |
| Pretax return on assets | 0.4136% | 4,257 |
| Return on Equity (ROE) | 4.1300% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.0565% | 3,423 |
| Net charge-offs to loans | 0.0112% | 1,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 134.5455% | 793 |
| Efficiency ratio | 77.2378% | 976 |
| Assets per employee ($millions) | 7.5973% | 1,553 |
| Cash dividends to net income (ytd only)* | 1.6892% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,094 |
| Loan loss allowance to noncurrent loans | 100.8236% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 1,212 |
| Noncurrent loans to loans | 1.5729% | 437 |
| Net loans and leases to total assets | 27.8700% | 4,465 |
| Net loans and leases to deposits | 31.5932% | 4,473 |
| Net loans and leases to core deposits | 31.9613% | 4,479 |
| Total domestic deposits to total assets | 88.2000% | 2,367 |
| Equity capital to assets | 9.5007% | 1,883 |
| Core capital (leverage) ratio | 12.2986% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4952% | 135 |
| Memoranda: | ||
| Average total assets | $477,105,250 | 1,793 |
| Average earning assets | $466,103,000 | 1,722 |
| Average equity | $47,823,250 | 1,695 |
| Average total loans | $130,840,750 | 2,818 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6217% | 4,691 |
| Cost of funding earning assets | 0.1793% | 3,191 |
| Net interest margin | 1.4424% | 4,687 |
| Noninterest income to average assets | 0.2782% | 3,503 |
| Noninterest expense to average assets | 1.3902% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2973% | 4,293 |
| Return on assets (ROA) | 0.2973% | 4,242 |
| Pretax return on assets | 0.2973% | 4,299 |
| Return on Equity (ROE) | 2.9172% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.8154% | 3,506 |
| Net charge-offs to loans | 0.0107% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 102.2857% | 802 |
| Efficiency ratio | 82.3819% | 772 |
| Assets per employee ($millions) | 7.7511% | 1,447 |
| Cash dividends to net income (ytd only)* | 3.4916% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,154 |
| Loan loss allowance to noncurrent loans | 93.2856% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 1,205 |
| Noncurrent loans to loans | 1.7158% | 400 |
| Net loans and leases to total assets | 27.0957% | 4,536 |
| Net loans and leases to deposits | 30.6094% | 4,536 |
| Net loans and leases to core deposits | 30.9083% | 4,550 |
| Total domestic deposits to total assets | 88.5208% | 2,376 |
| Equity capital to assets | 9.4374% | 2,068 |
| Core capital (leverage) ratio | 11.8908% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0114% | 100 |
| Memoranda: | ||
| Average total assets | $481,661,000 | 1,788 |
| Average earning assets | $470,614,333 | 1,720 |
| Average equity | $49,087,667 | 1,704 |
| Average total loans | $130,714,667 | 2,832 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4764% | 4,722 |
| Cost of funding earning assets | 0.1718% | 3,196 |
| Net interest margin | 1.3046% | 4,721 |
| Noninterest income to average assets | 0.2650% | 3,535 |
| Noninterest expense to average assets | 1.3594% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1802% | 4,356 |
| Return on assets (ROA) | 0.1802% | 4,325 |
| Pretax return on assets | 0.1802% | 4,344 |
| Return on Equity (ROE) | 1.7069% | 4,309 |
| Retained earnings to average equity (ytd only) | 1.5121% | 3,687 |
| Net charge-offs to loans | 0.0061% | 1,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 644 |
| Efficiency ratio | 88.2950% | 619 |
| Assets per employee ($millions) | 7.4038% | 1,736 |
| Cash dividends to net income (ytd only)* | 11.4155% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,210 |
| Loan loss allowance to noncurrent loans | 89.4692% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 1,245 |
| Noncurrent loans to loans | 1.8132% | 424 |
| Net loans and leases to total assets | 26.3357% | 4,554 |
| Net loans and leases to deposits | 29.9647% | 4,553 |
| Net loans and leases to core deposits | 30.2312% | 4,577 |
| Total domestic deposits to total assets | 87.8894% | 2,575 |
| Equity capital to assets | 9.9259% | 1,952 |
| Core capital (leverage) ratio | 11.6284% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1004% | 104 |
| Memoranda: | ||
| Average total assets | $486,081,500 | 1,780 |
| Average earning assets | $474,931,000 | 1,716 |
| Average equity | $51,320,500 | 1,701 |
| Average total loans | $130,973,000 | 2,835 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8640% | 4,705 |
| Cost of funding earning assets | 0.2074% | 3,395 |
| Net interest margin | 1.6566% | 4,697 |
| Noninterest income to average assets | 0.5793% | 2,239 |
| Noninterest expense to average assets | 1.4803% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7155% | 3,589 |
| Return on assets (ROA) | 0.7155% | 3,644 |
| Pretax return on assets | 0.7155% | 3,901 |
| Return on Equity (ROE) | 6.0030% | 3,773 |
| Retained earnings to average equity (ytd only) | 3.3440% | 3,477 |
| Net charge-offs to loans | 0.3006% | 287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 8.1618% | 2,316 |
| Efficiency ratio | 67.4136% | 2,069 |
| Assets per employee ($millions) | 7.1147% | 1,852 |
| Cash dividends to net income (ytd only)* | 44.2943% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 1,328 |
| Loan loss allowance to noncurrent loans | 62.5411% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 939 |
| Noncurrent loans to loans | 2.5128% | 269 |
| Net loans and leases to total assets | 26.6897% | 4,606 |
| Net loans and leases to deposits | 30.7033% | 4,612 |
| Net loans and leases to core deposits | 30.9931% | 4,624 |
| Total domestic deposits to total assets | 86.9277% | 2,551 |
| Equity capital to assets | 11.1777% | 1,681 |
| Core capital (leverage) ratio | 12.2556% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4403% | 115 |
| Memoranda: | ||
| Average total assets | $465,379,800 | 1,792 |
| Average earning assets | $454,133,200 | 1,728 |
| Average equity | $55,472,400 | 1,621 |
| Average total loans | $135,732,200 | 2,775 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9941% | 4,764 |
| Cost of funding earning assets | 0.2111% | 3,504 |
| Net interest margin | 1.7830% | 4,750 |
| Noninterest income to average assets | 0.5493% | 2,409 |
| Noninterest expense to average assets | 1.4794% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8093% | 3,508 |
| Return on assets (ROA) | 0.8093% | 3,575 |
| Pretax return on assets | 0.8093% | 3,874 |
| Return on Equity (ROE) | 6.6782% | 3,750 |
| Retained earnings to average equity (ytd only) | 4.2812% | 3,483 |
| Net charge-offs to loans | 0.4174% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 6.5246% | 2,171 |
| Efficiency ratio | 64.6402% | 2,291 |
| Assets per employee ($millions) | 6.6823% | 2,113 |
| Cash dividends to net income (ytd only)* | 35.8938% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 1,404 |
| Loan loss allowance to noncurrent loans | 64.1597% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 1,039 |
| Noncurrent loans to loans | 2.4563% | 307 |
| Net loans and leases to total assets | 28.4915% | 4,632 |
| Net loans and leases to deposits | 33.3557% | 4,641 |
| Net loans and leases to core deposits | 33.6961% | 4,661 |
| Total domestic deposits to total assets | 85.4172% | 2,976 |
| Equity capital to assets | 12.4162% | 1,214 |
| Core capital (leverage) ratio | 12.2543% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6697% | 119 |
| Memoranda: | ||
| Average total assets | $458,995,750 | 1,835 |
| Average earning assets | $447,769,000 | 1,767 |
| Average equity | $55,622,250 | 1,635 |
| Average total loans | $136,386,250 | 2,806 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1692% | 4,770 |
| Cost of funding earning assets | 0.2262% | 3,503 |
| Net interest margin | 1.9430% | 4,735 |
| Noninterest income to average assets | 0.2936% | 3,666 |
| Noninterest expense to average assets | 1.4744% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7144% | 3,726 |
| Return on assets (ROA) | 0.7144% | 3,793 |
| Pretax return on assets | 0.7144% | 4,036 |
| Return on Equity (ROE) | 5.9433% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.4142% | 3,710 |
| Net charge-offs to loans | -0.0203% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3611% | 1,955 |
| Assets per employee ($millions) | 6.3559% | 2,280 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8304% | 843 |
| Loan loss allowance to noncurrent loans | 64.9109% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 942 |
| Noncurrent loans to loans | 2.8198% | 267 |
| Net loans and leases to total assets | 29.0606% | 4,682 |
| Net loans and leases to deposits | 33.7247% | 4,685 |
| Net loans and leases to core deposits | 34.0706% | 4,710 |
| Total domestic deposits to total assets | 86.1701% | 2,680 |
| Equity capital to assets | 11.9014% | 1,415 |
| Core capital (leverage) ratio | 11.9052% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1278% | 127 |
| Memoranda: | ||
| Average total assets | $460,528,000 | 1,818 |
| Average earning assets | $449,206,333 | 1,761 |
| Average equity | $55,356,667 | 1,634 |
| Average total loans | $138,002,333 | 2,806 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2380% | 4,782 |
| Cost of funding earning assets | 0.2709% | 3,264 |
| Net interest margin | 1.9671% | 4,746 |
| Noninterest income to average assets | 0.2938% | 3,643 |
| Noninterest expense to average assets | 1.4533% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7585% | 3,549 |
| Return on assets (ROA) | 0.7585% | 3,621 |
| Pretax return on assets | 0.7585% | 3,892 |
| Return on Equity (ROE) | 6.2788% | 3,777 |
| Retained earnings to average equity (ytd only) | 3.3920% | 3,662 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7075% | 2,271 |
| Assets per employee ($millions) | 6.4355% | 2,224 |
| Cash dividends to net income (ytd only)* | 45.9770% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 852 |
| Loan loss allowance to noncurrent loans | 60.7829% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 981 |
| Noncurrent loans to loans | 2.9844% | 268 |
| Net loans and leases to total assets | 29.2035% | 4,717 |
| Net loans and leases to deposits | 33.8991% | 4,730 |
| Net loans and leases to core deposits | 34.3005% | 4,752 |
| Total domestic deposits to total assets | 86.1484% | 2,684 |
| Equity capital to assets | 11.8594% | 1,355 |
| Core capital (leverage) ratio | 11.9713% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5113% | 145 |
| Memoranda: | ||
| Average total assets | $458,802,500 | 1,815 |
| Average earning assets | $447,366,500 | 1,750 |
| Average equity | $55,425,000 | 1,621 |
| Average total loans | $138,329,000 | 2,805 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4260% | 4,858 |
| Cost of funding earning assets | 0.5952% | 2,348 |
| Net interest margin | 1.8308% | 4,877 |
| Noninterest income to average assets | 0.2981% | 3,698 |
| Noninterest expense to average assets | 1.4882% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5934% | 3,779 |
| Return on assets (ROA) | 0.5934% | 3,885 |
| Pretax return on assets | 0.5934% | 4,096 |
| Return on Equity (ROE) | 4.7695% | 3,964 |
| Retained earnings to average equity (ytd only) | 4.7695% | 2,387 |
| Net charge-offs to loans | 0.1855% | 914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,493 |
| Efficiency ratio | 71.4936% | 1,747 |
| Assets per employee ($millions) | 6.3979% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8006% | 854 |
| Loan loss allowance to noncurrent loans | 60.8865% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 994 |
| Noncurrent loans to loans | 2.9573% | 287 |
| Net loans and leases to total assets | 30.0147% | 4,753 |
| Net loans and leases to deposits | 35.0266% | 4,764 |
| Net loans and leases to core deposits | 37.0913% | 4,757 |
| Total domestic deposits to total assets | 85.6914% | 2,493 |
| Equity capital to assets | 12.3058% | 1,415 |
| Core capital (leverage) ratio | 12.3310% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6100% | 147 |
| Memoranda: | ||
| Average total assets | $443,207,000 | 1,726 |
| Average earning assets | $431,775,800 | 1,658 |
| Average equity | $55,142,600 | 1,556 |
| Average total loans | $141,740,800 | 2,734 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5826% | 4,887 |
| Cost of funding earning assets | 0.6506% | 2,318 |
| Net interest margin | 1.9321% | 4,905 |
| Noninterest income to average assets | 0.2821% | 3,796 |
| Noninterest expense to average assets | 1.4782% | 4,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6857% | 3,503 |
| Return on assets (ROA) | 0.6857% | 3,609 |
| Pretax return on assets | 0.6857% | 3,936 |
| Return on Equity (ROE) | 5.4954% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.4954% | 2,326 |
| Net charge-offs to loans | 0.2443% | 624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 8.6782% | 2,475 |
| Efficiency ratio | 68.3128% | 2,140 |
| Assets per employee ($millions) | 5.8977% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 772 |
| Loan loss allowance to noncurrent loans | 61.9614% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 1,125 |
| Noncurrent loans to loans | 2.8591% | 342 |
| Net loans and leases to total assets | 31.7884% | 4,793 |
| Net loans and leases to deposits | 37.6217% | 4,797 |
| Net loans and leases to core deposits | 39.8629% | 4,784 |
| Total domestic deposits to total assets | 84.4948% | 2,634 |
| Equity capital to assets | 12.8118% | 1,269 |
| Core capital (leverage) ratio | 12.0996% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.3179% | 150 |
| Memoranda: | ||
| Average total assets | $440,446,250 | 1,707 |
| Average earning assets | $428,955,500 | 1,640 |
| Average equity | $54,953,500 | 1,553 |
| Average total loans | $142,465,500 | 2,731 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7645% | 4,918 |
| Cost of funding earning assets | 0.7126% | 2,320 |
| Net interest margin | 2.0519% | 4,933 |
| Noninterest income to average assets | 0.2780% | 3,809 |
| Noninterest expense to average assets | 1.4437% | 4,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8325% | 2,927 |
| Return on assets (ROA) | 0.8325% | 3,048 |
| Pretax return on assets | 0.8325% | 3,501 |
| Return on Equity (ROE) | 6.7322% | 3,236 |
| Retained earnings to average equity (ytd only) | 6.7322% | 1,763 |
| Net charge-offs to loans | 0.3514% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.3267% | 2,372 |
| Efficiency ratio | 63.4248% | 2,894 |
| Assets per employee ($millions) | 6.7793% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 724 |
| Loan loss allowance to noncurrent loans | 68.0206% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 1,400 |
| Noncurrent loans to loans | 2.5793% | 440 |
| Net loans and leases to total assets | 30.9687% | 4,839 |
| Net loans and leases to deposits | 36.3130% | 4,854 |
| Net loans and leases to core deposits | 38.4326% | 4,848 |
| Total domestic deposits to total assets | 85.2828% | 2,271 |
| Equity capital to assets | 12.3109% | 1,473 |
| Core capital (leverage) ratio | 11.9557% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3517% | 144 |
| Memoranda: | ||
| Average total assets | $441,786,000 | 1,677 |
| Average earning assets | $430,236,333 | 1,616 |
| Average equity | $54,633,333 | 1,540 |
| Average total loans | $142,875,667 | 2,719 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9009% | 4,980 |
| Cost of funding earning assets | 0.8007% | 2,393 |
| Net interest margin | 2.1002% | 4,988 |
| Noninterest income to average assets | 0.2884% | 3,794 |
| Noninterest expense to average assets | 1.4638% | 4,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8697% | 2,618 |
| Return on assets (ROA) | 0.8697% | 2,724 |
| Pretax return on assets | 0.8697% | 3,224 |
| Return on Equity (ROE) | 7.0160% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.0160% | 1,527 |
| Net charge-offs to loans | 0.5998% | 243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.4252% | 2,139 |
| Efficiency ratio | 62.7312% | 3,411 |
| Assets per employee ($millions) | 6.2552% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 686 |
| Loan loss allowance to noncurrent loans | 80.5626% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 1,680 |
| Noncurrent loans to loans | 2.2616% | 567 |
| Net loans and leases to total assets | 31.8239% | 4,868 |
| Net loans and leases to deposits | 37.2585% | 4,889 |
| Net loans and leases to core deposits | 39.7077% | 4,878 |
| Total domestic deposits to total assets | 85.4137% | 2,242 |
| Equity capital to assets | 12.7622% | 1,578 |
| Core capital (leverage) ratio | 12.1519% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.4066% | 138 |
| Memoranda: | ||
| Average total assets | $435,571,000 | 1,664 |
| Average earning assets | $424,140,000 | 1,581 |
| Average equity | $53,991,000 | 1,543 |
| Average total loans | $142,725,000 | 2,703 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2050% | 4,996 |
| Cost of funding earning assets | 0.8975% | 2,198 |
| Net interest margin | 2.3075% | 5,033 |
| Noninterest income to average assets | 0.2958% | 3,913 |
| Noninterest expense to average assets | 1.3591% | 5,057 |
| Loan and lease loss provision to assets | 0.0338% | 3,335 |
| Net operating income to assets | 1.1384% | 2,295 |
| Return on assets (ROA) | 1.1384% | 2,399 |
| Pretax return on assets | 1.1384% | 3,045 |
| Return on Equity (ROE) | 9.8188% | 2,379 |
| Retained earnings to average equity (ytd only) | 4.4719% | 2,719 |
| Net charge-offs to loans | 0.0084% | 3,382 |
| Credit loss provision to net charge-offs | 1,153.8462% | 299 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 229 |
| Efficiency ratio | 53.6913% | 4,450 |
| Assets per employee ($millions) | 6.3700% | 1,375 |
| Cash dividends to net income (ytd only)* | 54.4554% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 553 |
| Loan loss allowance to noncurrent loans | 73.8770% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 1,474 |
| Noncurrent loans to loans | 2.5696% | 411 |
| Net loans and leases to total assets | 32.4852% | 4,927 |
| Net loans and leases to deposits | 37.7910% | 4,942 |
| Net loans and leases to core deposits | 40.2040% | 4,942 |
| Total domestic deposits to total assets | 85.9603% | 2,080 |
| Equity capital to assets | 12.0353% | 2,117 |
| Core capital (leverage) ratio | 12.0717% | 1,732 |
| Tier 1 risk-based capital ratio | 36.5425% | 299 |
| Total risk-based capital ratio | 37.8009% | 293 |
| Memoranda: | ||
| Average total assets | $443,613,400 | 1,584 |
| Average earning assets | $429,766,800 | 1,503 |
| Average equity | $51,431,800 | 1,559 |
| Average total loans | $154,281,800 | 2,575 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3324% | 5,051 |
| Cost of funding earning assets | 0.9027% | 2,222 |
| Net interest margin | 2.4297% | 5,093 |
| Noninterest income to average assets | 0.3017% | 3,929 |
| Noninterest expense to average assets | 1.2822% | 5,153 |
| Loan and lease loss provision to assets | 0.0150% | 3,607 |
| Net operating income to assets | 1.3548% | 1,629 |
| Return on assets (ROA) | 1.3548% | 1,693 |
| Pretax return on assets | 1.3548% | 2,477 |
| Return on Equity (ROE) | 11.7964% | 1,688 |
| Retained earnings to average equity (ytd only) | 6.3134% | 2,216 |
| Net charge-offs to loans | 0.0009% | 3,431 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 4,579.3308% | 6 |
| Efficiency ratio | 48.3492% | 4,832 |
| Assets per employee ($millions) | 6.1535% | 1,493 |
| Cash dividends to net income (ytd only)* | 46.4807% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 713 |
| Loan loss allowance to noncurrent loans | 77.7164% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 1,692 |
| Noncurrent loans to loans | 2.2872% | 538 |
| Net loans and leases to total assets | 34.3166% | 4,982 |
| Net loans and leases to deposits | 39.9918% | 4,995 |
| Net loans and leases to core deposits | 42.7543% | 4,984 |
| Total domestic deposits to total assets | 85.8091% | 2,076 |
| Equity capital to assets | 12.2718% | 2,059 |
| Core capital (leverage) ratio | 11.9704% | 1,870 |
| Tier 1 risk-based capital ratio | 37.3377% | 292 |
| Total risk-based capital ratio | 38.5962% | 286 |
| Memoranda: | ||
| Average total assets | $444,633,750 | 1,580 |
| Average earning assets | $430,116,250 | 1,517 |
| Average equity | $51,065,000 | 1,573 |
| Average total loans | $156,465,750 | 2,581 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3207% | 5,118 |
| Cost of funding earning assets | 0.8863% | 2,214 |
| Net interest margin | 2.4344% | 5,155 |
| Noninterest income to average assets | 0.3085% | 3,865 |
| Noninterest expense to average assets | 1.3279% | 5,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3306% | 1,653 |
| Return on assets (ROA) | 1.3306% | 1,717 |
| Pretax return on assets | 1.3306% | 2,439 |
| Return on Equity (ROE) | 11.8454% | 1,643 |
| Retained earnings to average equity (ytd only) | 5.3065% | 2,622 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9498% | 4,784 |
| Assets per employee ($millions) | 5.9410% | 1,584 |
| Cash dividends to net income (ytd only)* | 55.2024% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 816 |
| Loan loss allowance to noncurrent loans | 72.5414% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 1,706 |
| Noncurrent loans to loans | 2.3435% | 547 |
| Net loans and leases to total assets | 34.5383% | 5,016 |
| Net loans and leases to deposits | 40.0961% | 5,051 |
| Net loans and leases to core deposits | 42.8615% | 5,028 |
| Total domestic deposits to total assets | 86.1388% | 1,961 |
| Equity capital to assets | 11.8076% | 2,336 |
| Core capital (leverage) ratio | 11.4868% | 2,179 |
| Tier 1 risk-based capital ratio | 34.6445% | 349 |
| Total risk-based capital ratio | 35.9015% | 343 |
| Memoranda: | ||
| Average total assets | $449,264,330 | 1,567 |
| Average earning assets | $433,707,670 | 1,514 |
| Average equity | $50,466,670 | 1,579 |
| Average total loans | $158,457,330 | 2,558 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2766% | 5,181 |
| Cost of funding earning assets | 0.8659% | 2,178 |
| Net interest margin | 2.4106% | 5,220 |
| Noninterest income to average assets | 0.2572% | 4,169 |
| Noninterest expense to average assets | 1.2667% | 5,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3275% | 1,603 |
| Return on assets (ROA) | 1.3275% | 1,644 |
| Pretax return on assets | 1.3275% | 2,344 |
| Return on Equity (ROE) | 12.1178% | 1,491 |
| Retained earnings to average equity (ytd only) | 2.4686% | 3,933 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8285% | 4,908 |
| Assets per employee ($millions) | 6.4099% | 1,281 |
| Cash dividends to net income (ytd only)* | 79.6284% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 913 |
| Loan loss allowance to noncurrent loans | 75.8521% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 1,541 |
| Noncurrent loans to loans | 2.2065% | 640 |
| Net loans and leases to total assets | 34.3831% | 5,057 |
| Net loans and leases to deposits | 39.8016% | 5,080 |
| Net loans and leases to core deposits | 42.5471% | 5,070 |
| Total domestic deposits to total assets | 86.3862% | 2,115 |
| Equity capital to assets | 11.1825% | 2,675 |
| Core capital (leverage) ratio | 10.8912% | 2,671 |
| Tier 1 risk-based capital ratio | 34.3445% | 346 |
| Total risk-based capital ratio | 35.6013% | 336 |
| Memoranda: | ||
| Average total assets | $454,081,000 | 1,564 |
| Average earning assets | $440,217,000 | 1,505 |
| Average equity | $49,745,000 | 1,586 |
| Average total loans | $160,452,500 | 2,559 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0025% | 5,232 |
| Cost of funding earning assets | 0.6825% | 2,199 |
| Net interest margin | 2.3201% | 5,276 |
| Noninterest income to average assets | 0.2640% | 4,348 |
| Noninterest expense to average assets | 1.1888% | 5,322 |
| Loan and lease loss provision to assets | 0.1179% | 1,865 |
| Net operating income to assets | 1.2032% | 2,159 |
| Return on assets (ROA) | 1.2032% | 2,149 |
| Pretax return on assets | 1.2032% | 2,869 |
| Return on Equity (ROE) | 11.8799% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.0828% | 2,152 |
| Net charge-offs to loans | -0.0525% | 4,988 |
| Credit loss provision to net charge-offs | -617.9775% | 4,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3662% | 5,071 |
| Assets per employee ($millions) | 6.3815% | 1,275 |
| Cash dividends to net income (ytd only)* | 48.7979% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,029 |
| Loan loss allowance to noncurrent loans | 110.6150% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 2,528 |
| Noncurrent loans to loans | 1.4475% | 1,065 |
| Net loans and leases to total assets | 35.1229% | 5,095 |
| Net loans and leases to deposits | 41.2090% | 5,099 |
| Net loans and leases to core deposits | 44.2178% | 5,075 |
| Total domestic deposits to total assets | 85.2310% | 2,541 |
| Equity capital to assets | 10.7330% | 2,944 |
| Core capital (leverage) ratio | 10.9740% | 2,549 |
| Tier 1 risk-based capital ratio | 32.9030% | 370 |
| Total risk-based capital ratio | 34.1589% | 364 |
| Memoranda: | ||
| Average total assets | $466,682,000 | 1,499 |
| Average earning assets | $451,753,400 | 1,445 |
| Average equity | $47,264,800 | 1,586 |
| Average total loans | $169,664,600 | 2,440 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9510% | 5,303 |
| Cost of funding earning assets | 0.6527% | 2,139 |
| Net interest margin | 2.2983% | 5,349 |
| Noninterest income to average assets | 0.2596% | 4,419 |
| Noninterest expense to average assets | 1.1651% | 5,399 |
| Loan and lease loss provision to assets | 0.1423% | 1,402 |
| Net operating income to assets | 1.1717% | 2,355 |
| Return on assets (ROA) | 1.1717% | 2,364 |
| Pretax return on assets | 1.1717% | 3,113 |
| Return on Equity (ROE) | 11.7410% | 1,887 |
| Retained earnings to average equity (ytd only) | 3.9270% | 3,812 |
| Net charge-offs to loans | -0.0694% | 5,052 |
| Credit loss provision to net charge-offs | -561.7978% | 4,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9980% | 5,101 |
| Assets per employee ($millions) | 6.2906% | 1,295 |
| Cash dividends to net income (ytd only)* | 66.5532% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,227 |
| Loan loss allowance to noncurrent loans | 100.9009% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,502 |
| Noncurrent loans to loans | 1.5258% | 1,057 |
| Net loans and leases to total assets | 36.3745% | 5,129 |
| Net loans and leases to deposits | 42.8567% | 5,132 |
| Net loans and leases to core deposits | 45.6601% | 5,118 |
| Total domestic deposits to total assets | 84.8745% | 2,650 |
| Equity capital to assets | 10.4697% | 3,172 |
| Core capital (leverage) ratio | 10.4866% | 3,099 |
| Tier 1 risk-based capital ratio | 31.4704% | 415 |
| Total risk-based capital ratio | 32.7260% | 411 |
| Memoranda: | ||
| Average total assets | $468,485,000 | 1,504 |
| Average earning assets | $452,439,750 | 1,443 |
| Average equity | $46,752,250 | 1,601 |
| Average total loans | $171,079,500 | 2,445 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8778% | 5,381 |
| Cost of funding earning assets | 0.6240% | 2,082 |
| Net interest margin | 2.2538% | 5,434 |
| Noninterest income to average assets | 0.2546% | 4,485 |
| Noninterest expense to average assets | 1.1485% | 5,464 |
| Loan and lease loss provision to assets | 0.0422% | 3,058 |
| Net operating income to assets | 1.2418% | 2,020 |
| Return on assets (ROA) | 1.2418% | 2,015 |
| Pretax return on assets | 1.2418% | 2,761 |
| Return on Equity (ROE) | 12.6414% | 1,498 |
| Retained earnings to average equity (ytd only) | 3.5289% | 3,828 |
| Net charge-offs to loans | -0.1056% | 5,181 |
| Credit loss provision to net charge-offs | -109.8901% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2140% | 5,157 |
| Assets per employee ($millions) | 6.7341% | 1,058 |
| Cash dividends to net income (ytd only)* | 72.0843% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,259 |
| Loan loss allowance to noncurrent loans | 114.2108% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 3,089 |
| Noncurrent loans to loans | 1.1224% | 1,567 |
| Net loans and leases to total assets | 36.0977% | 5,176 |
| Net loans and leases to deposits | 43.7932% | 5,149 |
| Net loans and leases to core deposits | 46.1696% | 5,144 |
| Total domestic deposits to total assets | 82.4278% | 3,585 |
| Equity capital to assets | 10.1006% | 3,539 |
| Core capital (leverage) ratio | 9.9976% | 3,583 |
| Tier 1 risk-based capital ratio | 26.9723% | 609 |
| Total risk-based capital ratio | 28.2073% | 603 |
| Memoranda: | ||
| Average total assets | $473,671,670 | 1,489 |
| Average earning assets | $457,717,000 | 1,426 |
| Average equity | $46,529,670 | 1,618 |
| Average total loans | $172,331,000 | 2,428 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8139% | 5,450 |
| Cost of funding earning assets | 0.6103% | 1,985 |
| Net interest margin | 2.2036% | 5,504 |
| Noninterest income to average assets | 0.2543% | 4,482 |
| Noninterest expense to average assets | 1.1435% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2372% | 1,860 |
| Return on assets (ROA) | 1.2372% | 1,870 |
| Pretax return on assets | 1.2372% | 2,611 |
| Return on Equity (ROE) | 12.7698% | 1,326 |
| Retained earnings to average equity (ytd only) | -0.1813% | 4,819 |
| Net charge-offs to loans | 0.0092% | 2,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 369.7500% | 186 |
| Efficiency ratio | 34.7154% | 5,529 |
| Assets per employee ($millions) | 6.6586% | 1,115 |
| Cash dividends to net income (ytd only)* | 101.4199% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,077 |
| Loan loss allowance to noncurrent loans | 156.3880% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 3,789 |
| Noncurrent loans to loans | 0.7369% | 2,365 |
| Net loans and leases to total assets | 35.4775% | 5,222 |
| Net loans and leases to deposits | 43.0697% | 5,184 |
| Net loans and leases to core deposits | 45.1341% | 5,184 |
| Total domestic deposits to total assets | 82.3723% | 3,854 |
| Equity capital to assets | 9.6024% | 3,993 |
| Core capital (leverage) ratio | 9.6936% | 3,857 |
| Tier 1 risk-based capital ratio | 26.5537% | 642 |
| Total risk-based capital ratio | 27.6807% | 643 |
| Memoranda: | ||
| Average total assets | $478,180,000 | 1,477 |
| Average earning assets | $461,421,500 | 1,428 |
| Average equity | $46,328,000 | 1,634 |
| Average total loans | $173,542,500 | 2,431 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7065% | 5,494 |
| Cost of funding earning assets | 0.5248% | 2,144 |
| Net interest margin | 2.1817% | 5,544 |
| Noninterest income to average assets | 0.2557% | 4,604 |
| Noninterest expense to average assets | 1.1924% | 5,587 |
| Loan and lease loss provision to assets | 0.0589% | 3,057 |
| Net operating income to assets | 1.1265% | 1,765 |
| Return on assets (ROA) | 1.1265% | 1,792 |
| Pretax return on assets | 1.1265% | 3,074 |
| Return on Equity (ROE) | 11.5310% | 1,334 |
| Retained earnings to average equity (ytd only) | 3.0926% | 3,446 |
| Net charge-offs to loans | -0.0211% | 4,972 |
| Credit loss provision to net charge-offs | -723.6842% | 5,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1486% | 5,211 |
| Assets per employee ($millions) | 6.8134% | 1,053 |
| Cash dividends to net income (ytd only)* | 73.1800% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,146 |
| Loan loss allowance to noncurrent loans | 157.3238% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 3,807 |
| Noncurrent loans to loans | 0.7217% | 2,402 |
| Net loans and leases to total assets | 36.2789% | 5,278 |
| Net loans and leases to deposits | 43.9411% | 5,249 |
| Net loans and leases to core deposits | 46.2815% | 5,231 |
| Total domestic deposits to total assets | 82.5627% | 3,707 |
| Equity capital to assets | 9.7749% | 3,944 |
| Core capital (leverage) ratio | 10.0707% | 3,362 |
| Tier 1 risk-based capital ratio | 26.4540% | 628 |
| Total risk-based capital ratio | 27.5784% | 632 |
| Memoranda: | ||
| Average total assets | $467,025,200 | 1,487 |
| Average earning assets | $454,273,400 | 1,425 |
| Average equity | $45,624,800 | 1,647 |
| Average total loans | $180,047,000 | 2,329 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6799% | 5,569 |
| Cost of funding earning assets | 0.4995% | 2,265 |
| Net interest margin | 2.1804% | 5,606 |
| Noninterest income to average assets | 0.2577% | 4,658 |
| Noninterest expense to average assets | 1.1951% | 5,651 |
| Loan and lease loss provision to assets | 0.0574% | 2,939 |
| Net operating income to assets | 1.1337% | 1,941 |
| Return on assets (ROA) | 1.1337% | 1,999 |
| Pretax return on assets | 1.1337% | 3,170 |
| Return on Equity (ROE) | 11.6064% | 1,458 |
| Retained earnings to average equity (ytd only) | 0.2938% | 5,152 |
| Net charge-offs to loans | 0.0007% | 3,776 |
| Credit loss provision to net charge-offs | 20,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 4,160.3008% | 13 |
| Efficiency ratio | 50.0842% | 5,243 |
| Assets per employee ($millions) | 6.3416% | 1,282 |
| Cash dividends to net income (ytd only)* | 97.4684% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,786 |
| Loan loss allowance to noncurrent loans | 322.9310% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 4,621 |
| Noncurrent loans to loans | 0.3254% | 3,780 |
| Net loans and leases to total assets | 38.1030% | 5,263 |
| Net loans and leases to deposits | 46.3839% | 5,242 |
| Net loans and leases to core deposits | 49.0768% | 5,231 |
| Total domestic deposits to total assets | 82.1470% | 3,729 |
| Equity capital to assets | 9.9236% | 4,006 |
| Core capital (leverage) ratio | 9.6963% | 3,942 |
| Tier 1 risk-based capital ratio | 25.1860% | 731 |
| Total risk-based capital ratio | 26.2242% | 742 |
| Memoranda: | ||
| Average total assets | $464,547,000 | 1,501 |
| Average earning assets | $453,481,500 | 1,440 |
| Average equity | $45,376,000 | 1,669 |
| Average total loans | $181,305,000 | 2,320 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6343% | 5,621 |
| Cost of funding earning assets | 0.4708% | 2,405 |
| Net interest margin | 2.1636% | 5,657 |
| Noninterest income to average assets | 0.2546% | 4,711 |
| Noninterest expense to average assets | 1.1998% | 5,703 |
| Loan and lease loss provision to assets | 0.0753% | 2,465 |
| Net operating income to assets | 1.0961% | 1,996 |
| Return on assets (ROA) | 1.0961% | 2,055 |
| Pretax return on assets | 1.0961% | 3,199 |
| Return on Equity (ROE) | 11.2818% | 1,537 |
| Retained earnings to average equity (ytd only) | -3.1026% | 5,439 |
| Net charge-offs to loans | 0.0088% | 3,147 |
| Credit loss provision to net charge-offs | 2,187.5000% | 196 |
| Earnings coverage of net charge-offs (x) | 340.5000% | 249 |
| Efficiency ratio | 50.5985% | 5,271 |
| Assets per employee ($millions) | 6.7023% | 1,053 |
| Cash dividends to net income (ytd only)* | 127.5010% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,953 |
| Loan loss allowance to noncurrent loans | 324.1197% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 4,678 |
| Noncurrent loans to loans | 0.3181% | 3,897 |
| Net loans and leases to total assets | 37.6685% | 5,314 |
| Net loans and leases to deposits | 46.6490% | 5,268 |
| Net loans and leases to core deposits | 49.3463% | 5,245 |
| Total domestic deposits to total assets | 80.7487% | 4,250 |
| Equity capital to assets | 9.6264% | 4,285 |
| Core capital (leverage) ratio | 9.4801% | 4,147 |
| Tier 1 risk-based capital ratio | 25.1364% | 734 |
| Total risk-based capital ratio | 26.1732% | 742 |
| Memoranda: | ||
| Average total assets | $465,084,330 | 1,505 |
| Average earning assets | $454,990,000 | 1,439 |
| Average equity | $45,188,000 | 1,673 |
| Average total loans | $182,318,330 | 2,321 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6146% | 5,679 |
| Cost of funding earning assets | 0.4443% | 2,577 |
| Net interest margin | 2.1703% | 5,713 |
| Noninterest income to average assets | 0.2522% | 4,731 |
| Noninterest expense to average assets | 1.2077% | 5,765 |
| Loan and lease loss provision to assets | 0.0864% | 2,092 |
| Net operating income to assets | 1.0807% | 1,944 |
| Return on assets (ROA) | 1.0807% | 1,988 |
| Pretax return on assets | 1.0807% | 3,058 |
| Return on Equity (ROE) | 11.0707% | 1,537 |
| Retained earnings to average equity (ytd only) | -12.8229% | 5,633 |
| Net charge-offs to loans | 0.0022% | 2,891 |
| Credit loss provision to net charge-offs | 10,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,351.0000% | 28 |
| Efficiency ratio | 50.8549% | 5,333 |
| Assets per employee ($millions) | 6.8270% | 1,028 |
| Cash dividends to net income (ytd only)* | 215.8273% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 4,367 |
| Loan loss allowance to noncurrent loans | 257.7035% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 4,632 |
| Noncurrent loans to loans | 0.3822% | 3,729 |
| Net loans and leases to total assets | 37.8385% | 5,332 |
| Net loans and leases to deposits | 46.9094% | 5,267 |
| Net loans and leases to core deposits | 49.3100% | 5,250 |
| Total domestic deposits to total assets | 80.6630% | 4,489 |
| Equity capital to assets | 9.4345% | 4,356 |
| Core capital (leverage) ratio | 9.4235% | 4,208 |
| Tier 1 risk-based capital ratio | 24.5566% | 817 |
| Total risk-based capital ratio | 25.5486% | 819 |
| Memoranda: | ||
| Average total assets | $463,047,000 | 1,522 |
| Average earning assets | $452,839,500 | 1,448 |
| Average equity | $45,200,500 | 1,681 |
| Average total loans | $184,194,500 | 2,325 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7640% | 5,664 |
| Cost of funding earning assets | 0.4234% | 2,773 |
| Net interest margin | 2.3406% | 5,689 |
| Noninterest income to average assets | 0.2677% | 4,812 |
| Noninterest expense to average assets | 1.2635% | 5,818 |
| Loan and lease loss provision to assets | 0.0223% | 3,931 |
| Net operating income to assets | 1.2673% | 1,307 |
| Return on assets (ROA) | 1.3160% | 1,234 |
| Pretax return on assets | 1.3160% | 2,226 |
| Return on Equity (ROE) | 12.8451% | 1,029 |
| Retained earnings to average equity (ytd only) | -4.5308% | 5,660 |
| Net charge-offs to loans | 0.1483% | 1,779 |
| Credit loss provision to net charge-offs | 34.4828% | 3,548 |
| Earnings coverage of net charge-offs (x) | 19.9828% | 1,883 |
| Efficiency ratio | 49.4901% | 5,507 |
| Assets per employee ($millions) | 6.4089% | 1,197 |
| Cash dividends to net income (ytd only)* | 135.2722% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,820 |
| Loan loss allowance to noncurrent loans | 228.0654% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 4,547 |
| Noncurrent loans to loans | 0.3897% | 3,748 |
| Net loans and leases to total assets | 41.0299% | 5,275 |
| Net loans and leases to deposits | 52.0409% | 5,121 |
| Net loans and leases to core deposits | 53.9950% | 5,152 |
| Total domestic deposits to total assets | 78.8416% | 4,827 |
| Equity capital to assets | 10.1001% | 3,604 |
| Core capital (leverage) ratio | 10.3497% | 3,051 |
| Tier 1 risk-based capital ratio | 25.0043% | 772 |
| Total risk-based capital ratio | 25.9276% | 784 |
| Memoranda: | ||
| Average total assets | $449,392,200 | 1,511 |
| Average earning assets | $438,781,000 | 1,447 |
| Average equity | $46,040,800 | 1,642 |
| Average total loans | $195,493,800 | 2,152 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8037% | 5,711 |
| Cost of funding earning assets | 0.4256% | 2,772 |
| Net interest margin | 2.3781% | 5,732 |
| Noninterest income to average assets | 0.2664% | 4,868 |
| Noninterest expense to average assets | 1.2726% | 5,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3152% | 1,245 |
| Return on assets (ROA) | 1.3173% | 1,324 |
| Pretax return on assets | 1.3173% | 2,360 |
| Return on Equity (ROE) | 12.8116% | 1,107 |
| Retained earnings to average equity (ytd only) | -10.3454% | 5,849 |
| Net charge-offs to loans | 0.1480% | 1,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.1783% | 1,888 |
| Efficiency ratio | 49.1777% | 5,546 |
| Assets per employee ($millions) | 6.3141% | 1,222 |
| Cash dividends to net income (ytd only)* | 180.7500% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 5,009 |
| Loan loss allowance to noncurrent loans | 217.0185% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 4,603 |
| Noncurrent loans to loans | 0.3963% | 3,847 |
| Net loans and leases to total assets | 43.5224% | 5,224 |
| Net loans and leases to deposits | 55.9700% | 4,998 |
| Net loans and leases to core deposits | 58.2453% | 5,039 |
| Total domestic deposits to total assets | 77.7602% | 4,954 |
| Equity capital to assets | 10.5931% | 3,463 |
| Core capital (leverage) ratio | 10.0206% | 3,546 |
| Tier 1 risk-based capital ratio | 24.7237% | 842 |
| Total risk-based capital ratio | 25.6513% | 851 |
| Memoranda: | ||
| Average total assets | $447,981,750 | 1,517 |
| Average earning assets | $437,319,500 | 1,455 |
| Average equity | $46,061,250 | 1,648 |
| Average total loans | $197,273,750 | 2,146 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7863% | 5,803 |
| Cost of funding earning assets | 0.4346% | 2,697 |
| Net interest margin | 2.3516% | 5,836 |
| Noninterest income to average assets | 0.3185% | 4,500 |
| Noninterest expense to average assets | 1.2754% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3387% | 1,190 |
| Return on assets (ROA) | 1.3387% | 1,262 |
| Pretax return on assets | 1.3387% | 2,251 |
| Return on Equity (ROE) | 13.1476% | 995 |
| Retained earnings to average equity (ytd only) | -19.4389% | 5,968 |
| Net charge-offs to loans | 0.0201% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 151.3000% | 411 |
| Efficiency ratio | 48.7900% | 5,636 |
| Assets per employee ($millions) | 5.8304% | 1,524 |
| Cash dividends to net income (ytd only)* | 247.8519% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,823 |
| Loan loss allowance to noncurrent loans | 238.8601% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 4,526 |
| Noncurrent loans to loans | 0.3911% | 3,961 |
| Net loans and leases to total assets | 44.1251% | 5,224 |
| Net loans and leases to deposits | 56.6410% | 4,976 |
| Net loans and leases to core deposits | 58.0144% | 5,073 |
| Total domestic deposits to total assets | 77.9031% | 5,019 |
| Equity capital to assets | 10.2681% | 3,902 |
| Core capital (leverage) ratio | 9.5317% | 4,164 |
| Tier 1 risk-based capital ratio | 23.6932% | 937 |
| Total risk-based capital ratio | 24.7105% | 942 |
| Memoranda: | ||
| Average total assets | $452,085,670 | 1,516 |
| Average earning assets | $441,308,670 | 1,450 |
| Average equity | $46,031,330 | 1,651 |
| Average total loans | $199,278,670 | 2,133 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7643% | 5,872 |
| Cost of funding earning assets | 0.4398% | 2,684 |
| Net interest margin | 2.3246% | 5,919 |
| Noninterest income to average assets | 0.3390% | 4,310 |
| Noninterest expense to average assets | 1.2756% | 6,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3325% | 1,181 |
| Return on assets (ROA) | 1.3325% | 1,261 |
| Pretax return on assets | 1.3325% | 2,171 |
| Return on Equity (ROE) | 13.1411% | 1,005 |
| Retained earnings to average equity (ytd only) | -38.6976% | 6,055 |
| Net charge-offs to loans | 0.0080% | 2,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 380.2500% | 159 |
| Efficiency ratio | 48.9083% | 5,683 |
| Assets per employee ($millions) | 6.3021% | 1,219 |
| Cash dividends to net income (ytd only)* | 394.4773% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 4,953 |
| Loan loss allowance to noncurrent loans | 142.6380% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 4,096 |
| Noncurrent loans to loans | 0.6517% | 3,215 |
| Net loans and leases to total assets | 43.6842% | 5,261 |
| Net loans and leases to deposits | 56.2619% | 4,967 |
| Net loans and leases to core deposits | 57.7618% | 5,061 |
| Total domestic deposits to total assets | 77.6445% | 5,199 |
| Equity capital to assets | 9.8677% | 4,256 |
| Core capital (leverage) ratio | 9.3898% | 4,362 |
| Tier 1 risk-based capital ratio | 23.4808% | 968 |
| Total risk-based capital ratio | 24.4979% | 980 |
| Memoranda: | ||
| Average total assets | $456,573,000 | 1,501 |
| Average earning assets | $445,676,000 | 1,436 |
| Average equity | $46,297,500 | 1,629 |
| Average total loans | $200,234,500 | 2,131 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6348% | 5,951 |
| Cost of funding earning assets | 0.5134% | 2,039 |
| Net interest margin | 2.1214% | 6,020 |
| Noninterest income to average assets | 0.3232% | 4,587 |
| Noninterest expense to average assets | 1.2395% | 6,086 |
| Loan and lease loss provision to assets | -0.2084% | 5,991 |
| Net operating income to assets | 1.3585% | 1,124 |
| Return on assets (ROA) | 1.4642% | 957 |
| Pretax return on assets | 1.4642% | 1,670 |
| Return on Equity (ROE) | 14.2782% | 810 |
| Retained earnings to average equity (ytd only) | -9.4951% | 6,028 |
| Net charge-offs to loans | 0.1070% | 2,318 |
| Credit loss provision to net charge-offs | -456.6210% | 5,425 |
| Earnings coverage of net charge-offs (x) | 25.2055% | 1,636 |
| Efficiency ratio | 51.8703% | 5,639 |
| Assets per employee ($millions) | 6.4703% | 1,112 |
| Cash dividends to net income (ytd only)* | 166.5006% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 4,973 |
| Loan loss allowance to noncurrent loans | 205.0605% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 4,478 |
| Noncurrent loans to loans | 0.4536% | 3,847 |
| Net loans and leases to total assets | 43.2149% | 5,330 |
| Net loans and leases to deposits | 56.2183% | 5,029 |
| Net loans and leases to core deposits | 57.6695% | 5,124 |
| Total domestic deposits to total assets | 76.8699% | 5,338 |
| Equity capital to assets | 10.4094% | 3,470 |
| Core capital (leverage) ratio | 10.4299% | 3,022 |
| Tier 1 risk-based capital ratio | 26.2511% | 731 |
| Total risk-based capital ratio | 27.2829% | 718 |
| Memoranda: | ||
| Average total assets | $479,937,000 | 1,406 |
| Average earning assets | $467,511,200 | 1,326 |
| Average equity | $49,214,800 | 1,515 |
| Average total loans | $204,607,600 | 2,034 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6127% | 6,046 |
| Cost of funding earning assets | 0.5355% | 1,927 |
| Net interest margin | 2.0773% | 6,110 |
| Noninterest income to average assets | 0.2658% | 5,035 |
| Noninterest expense to average assets | 1.1943% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0942% | 2,034 |
| Return on assets (ROA) | 1.2336% | 1,601 |
| Pretax return on assets | 1.2336% | 2,684 |
| Return on Equity (ROE) | 12.0731% | 1,352 |
| Retained earnings to average equity (ytd only) | -19.4009% | 6,194 |
| Net charge-offs to loans | 0.1232% | 1,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.9524% | 1,842 |
| Efficiency ratio | 52.1859% | 5,641 |
| Assets per employee ($millions) | 6.1893% | 1,247 |
| Cash dividends to net income (ytd only)* | 260.6952% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 2,414 |
| Loan loss allowance to noncurrent loans | 294.6029% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 3,710 |
| Noncurrent loans to loans | 0.4885% | 3,890 |
| Net loans and leases to total assets | 43.2625% | 5,403 |
| Net loans and leases to deposits | 55.5674% | 5,149 |
| Net loans and leases to core deposits | 57.2887% | 5,236 |
| Total domestic deposits to total assets | 77.8560% | 5,211 |
| Equity capital to assets | 10.1970% | 3,940 |
| Core capital (leverage) ratio | 9.5172% | 4,281 |
| Tier 1 risk-based capital ratio | 24.8160% | 873 |
| Total risk-based capital ratio | 26.0706% | 862 |
| Memoranda: | ||
| Average total assets | $485,073,250 | 1,390 |
| Average earning assets | $472,342,250 | 1,313 |
| Average equity | $49,563,500 | 1,506 |
| Average total loans | $205,662,000 | 2,039 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5650% | 6,132 |
| Cost of funding earning assets | 0.5491% | 1,826 |
| Net interest margin | 2.0159% | 6,208 |
| Noninterest income to average assets | 0.2497% | 5,163 |
| Noninterest expense to average assets | 1.1929% | 6,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0200% | 2,294 |
| Return on assets (ROA) | 1.2224% | 1,611 |
| Pretax return on assets | 1.2224% | 2,687 |
| Return on Equity (ROE) | 11.9564% | 1,388 |
| Retained earnings to average equity (ytd only) | -31.1974% | 6,302 |
| Net charge-offs to loans | 0.1718% | 1,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.1573% | 2,076 |
| Efficiency ratio | 53.9052% | 5,596 |
| Assets per employee ($millions) | 6.2105% | 1,210 |
| Cash dividends to net income (ytd only)* | 360.9272% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 2,572 |
| Loan loss allowance to noncurrent loans | 330.8656% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 3,987 |
| Noncurrent loans to loans | 0.4350% | 4,177 |
| Net loans and leases to total assets | 41.6025% | 5,530 |
| Net loans and leases to deposits | 52.7053% | 5,334 |
| Net loans and leases to core deposits | 54.3705% | 5,397 |
| Total domestic deposits to total assets | 78.9342% | 5,111 |
| Equity capital to assets | 9.4867% | 4,669 |
| Core capital (leverage) ratio | 9.0252% | 4,930 |
| Tier 1 risk-based capital ratio | 23.9094% | 964 |
| Total risk-based capital ratio | 25.1634% | 950 |
| Memoranda: | ||
| Average total assets | $494,095,670 | 1,375 |
| Average earning assets | $481,165,670 | 1,307 |
| Average equity | $50,517,000 | 1,480 |
| Average total loans | $207,203,330 | 2,031 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5271% | 6,211 |
| Cost of funding earning assets | 0.5606% | 1,746 |
| Net interest margin | 1.9665% | 6,283 |
| Noninterest income to average assets | 0.2828% | 4,917 |
| Noninterest expense to average assets | 1.1362% | 6,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0613% | 1,997 |
| Return on assets (ROA) | 1.0613% | 2,128 |
| Pretax return on assets | 1.0613% | 3,258 |
| Return on Equity (ROE) | 10.0353% | 1,990 |
| Retained earnings to average equity (ytd only) | 7.0217% | 2,004 |
| Net charge-offs to loans | 0.1582% | 1,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.0482% | 1,593 |
| Efficiency ratio | 51.7041% | 5,823 |
| Assets per employee ($millions) | 6.2435% | 1,230 |
| Cash dividends to net income (ytd only)* | 30.0300% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 2,729 |
| Loan loss allowance to noncurrent loans | 126.0504% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 3,333 |
| Noncurrent loans to loans | 1.1437% | 2,485 |
| Net loans and leases to total assets | 41.0608% | 5,542 |
| Net loans and leases to deposits | 50.7244% | 5,412 |
| Net loans and leases to core deposits | 52.2922% | 5,471 |
| Total domestic deposits to total assets | 80.9487% | 4,834 |
| Equity capital to assets | 10.8529% | 3,139 |
| Core capital (leverage) ratio | 10.5424% | 2,906 |
| Tier 1 risk-based capital ratio | 27.0242% | 713 |
| Total risk-based capital ratio | 28.2774% | 696 |
| Memoranda: | ||
| Average total assets | $502,040,000 | 1,353 |
| Average earning assets | $488,780,000 | 1,298 |
| Average equity | $53,092,500 | 1,429 |
| Average total loans | $209,879,500 | 2,014 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5002% | 6,326 |
| Cost of funding earning assets | 0.7350% | 923 |
| Net interest margin | 1.7652% | 6,408 |
| Noninterest income to average assets | 0.2416% | 5,396 |
| Noninterest expense to average assets | 1.0938% | 6,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8419% | 3,163 |
| Return on assets (ROA) | 0.5671% | 4,610 |
| Pretax return on assets | 0.5838% | 4,992 |
| Return on Equity (ROE) | 6.1792% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.1792% | 1,820 |
| Net charge-offs to loans | 0.0179% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 118.7105% | 445 |
| Efficiency ratio | 55.7788% | 5,688 |
| Assets per employee ($millions) | 6.2296% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 2,662 |
| Loan loss allowance to noncurrent loans | 296.4423% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 4,354 |
| Noncurrent loans to loans | 0.4913% | 4,187 |
| Net loans and leases to total assets | 41.3368% | 5,669 |
| Net loans and leases to deposits | 50.9620% | 5,534 |
| Net loans and leases to core deposits | 52.3713% | 5,595 |
| Total domestic deposits to total assets | 81.1130% | 4,712 |
| Equity capital to assets | 10.3006% | 3,718 |
| Core capital (leverage) ratio | 10.3730% | 3,085 |
| Tier 1 risk-based capital ratio | 26.9684% | 687 |
| Total risk-based capital ratio | 28.2227% | 667 |
| Memoranda: | ||
| Average total assets | $520,199,800 | 1,292 |
| Average earning assets | $506,678,600 | 1,210 |
| Average equity | $47,740,600 | 1,510 |
| Average total loans | $212,008,200 | 1,960 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4724% | 6,415 |
| Cost of funding earning assets | 0.7626% | 834 |
| Net interest margin | 1.7098% | 6,491 |
| Noninterest income to average assets | 0.2262% | 5,576 |
| Noninterest expense to average assets | 1.0685% | 6,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8232% | 3,322 |
| Return on assets (ROA) | 0.4470% | 5,162 |
| Pretax return on assets | 0.4470% | 5,474 |
| Return on Equity (ROE) | 5.0183% | 4,709 |
| Retained earnings to average equity (ytd only) | 5.0183% | 3,065 |
| Net charge-offs to loans | 0.0132% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 154.0914% | 405 |
| Efficiency ratio | 56.4820% | 5,616 |
| Assets per employee ($millions) | 6.1722% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 2,916 |
| Loan loss allowance to noncurrent loans | 320.2479% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 4,694 |
| Noncurrent loans to loans | 0.4547% | 4,536 |
| Net loans and leases to total assets | 41.4530% | 5,723 |
| Net loans and leases to deposits | 51.0483% | 5,583 |
| Net loans and leases to core deposits | 52.6111% | 5,649 |
| Total domestic deposits to total assets | 81.2034% | 4,766 |
| Equity capital to assets | 9.6663% | 4,589 |
| Core capital (leverage) ratio | 9.8661% | 3,859 |
| Tier 1 risk-based capital ratio | 25.1705% | 868 |
| Total risk-based capital ratio | 26.4241% | 854 |
| Memoranda: | ||
| Average total assets | $524,099,500 | 1,291 |
| Average earning assets | $510,539,500 | 1,210 |
| Average equity | $46,681,500 | 1,547 |
| Average total loans | $212,093,000 | 1,972 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4354% | 6,496 |
| Cost of funding earning assets | 0.7868% | 764 |
| Net interest margin | 1.6486% | 6,569 |
| Noninterest income to average assets | 0.1977% | 5,774 |
| Noninterest expense to average assets | 1.0647% | 6,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7395% | 3,625 |
| Return on assets (ROA) | 0.1815% | 5,933 |
| Pretax return on assets | 0.1815% | 5,970 |
| Return on Equity (ROE) | 2.0943% | 5,818 |
| Retained earnings to average equity (ytd only) | 2.0943% | 4,851 |
| Net charge-offs to loans | 0.0019% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 980.0000% | 65 |
| Efficiency ratio | 59.0130% | 5,427 |
| Assets per employee ($millions) | 6.3745% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 3,018 |
| Loan loss allowance to noncurrent loans | 266.5812% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 4,644 |
| Noncurrent loans to loans | 0.5525% | 4,358 |
| Net loans and leases to total assets | 39.9154% | 5,821 |
| Net loans and leases to deposits | 48.1766% | 5,763 |
| Net loans and leases to core deposits | 49.8873% | 5,799 |
| Total domestic deposits to total assets | 82.8522% | 4,359 |
| Equity capital to assets | 9.2296% | 5,070 |
| Core capital (leverage) ratio | 9.4278% | 4,433 |
| Tier 1 risk-based capital ratio | 22.7079% | 1,154 |
| Total risk-based capital ratio | 23.9599% | 1,134 |
| Memoranda: | ||
| Average total assets | $530,093,330 | 1,268 |
| Average earning assets | $516,555,330 | 1,186 |
| Average equity | $45,934,330 | 1,560 |
| Average total loans | $211,823,670 | 1,968 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4405% | 6,563 |
| Cost of funding earning assets | 0.8161% | 688 |
| Net interest margin | 1.6244% | 6,645 |
| Noninterest income to average assets | 0.2683% | 5,223 |
| Noninterest expense to average assets | 1.2057% | 6,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6452% | 3,973 |
| Return on assets (ROA) | 0.2308% | 5,764 |
| Pretax return on assets | 0.2308% | 5,870 |
| Return on Equity (ROE) | 2.7513% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.7513% | 4,439 |
| Net charge-offs to loans | 0.0019% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 861.0000% | 32 |
| Efficiency ratio | 65.1417% | 4,666 |
| Assets per employee ($millions) | 6.3620% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 3,214 |
| Loan loss allowance to noncurrent loans | 242.8016% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 4,745 |
| Noncurrent loans to loans | 0.6109% | 4,331 |
| Net loans and leases to total assets | 38.7738% | 5,889 |
| Net loans and leases to deposits | 45.3137% | 5,902 |
| Net loans and leases to core deposits | 47.1227% | 5,925 |
| Total domestic deposits to total assets | 85.5676% | 3,578 |
| Equity capital to assets | 8.5005% | 5,654 |
| Core capital (leverage) ratio | 9.1892% | 4,730 |
| Tier 1 risk-based capital ratio | 23.3400% | 1,095 |
| Total risk-based capital ratio | 24.5927% | 1,077 |
| Memoranda: | ||
| Average total assets | $533,786,000 | 1,268 |
| Average earning assets | $520,056,500 | 1,179 |
| Average equity | $44,779,500 | 1,587 |
| Average total loans | $211,855,500 | 1,962 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5265% | 6,608 |
| Cost of funding earning assets | 0.8161% | 1,114 |
| Net interest margin | 1.7105% | 6,699 |
| Noninterest income to average assets | 0.3342% | 4,945 |
| Noninterest expense to average assets | 1.1876% | 6,717 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7604% | 3,495 |
| Return on assets (ROA) | 0.8829% | 2,952 |
| Pretax return on assets | 0.9376% | 3,608 |
| Return on Equity (ROE) | 9.9948% | 2,119 |
| Retained earnings to average equity (ytd only) | 4.8813% | 2,680 |
| Net charge-offs to loans | 0.0418% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 49.3103% | 803 |
| Efficiency ratio | 59.5283% | 5,536 |
| Assets per employee ($millions) | 6.1283% | 1,187 |
| Cash dividends to net income (ytd only)* | 51.1618% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 3,364 |
| Loan loss allowance to noncurrent loans | 312.7255% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 4,789 |
| Noncurrent loans to loans | 0.4677% | 4,828 |
| Net loans and leases to total assets | 39.4362% | 6,005 |
| Net loans and leases to deposits | 46.6224% | 5,974 |
| Net loans and leases to core deposits | 48.3325% | 6,014 |
| Total domestic deposits to total assets | 84.5864% | 3,931 |
| Equity capital to assets | 8.2774% | 5,797 |
| Core capital (leverage) ratio | 9.4912% | 4,287 |
| Tier 1 risk-based capital ratio | 23.1587% | 1,072 |
| Total risk-based capital ratio | 24.4113% | 1,053 |
| Memoranda: | ||
| Average total assets | $531,345,600 | 1,252 |
| Average earning assets | $515,881,400 | 1,175 |
| Average equity | $46,934,600 | 1,494 |
| Average total loans | $208,369,800 | 1,940 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5307% | 6,686 |
| Cost of funding earning assets | 0.8188% | 1,215 |
| Net interest margin | 1.7119% | 6,783 |
| Noninterest income to average assets | 0.2916% | 5,366 |
| Noninterest expense to average assets | 1.1480% | 6,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8044% | 3,325 |
| Return on assets (ROA) | 1.0679% | 2,213 |
| Pretax return on assets | 1.0679% | 3,232 |
| Return on Equity (ROE) | 11.9012% | 1,501 |
| Retained earnings to average equity (ytd only) | 8.2626% | 1,312 |
| Net charge-offs to loans | 0.0528% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 39.0612% | 1,023 |
| Efficiency ratio | 58.7986% | 5,583 |
| Assets per employee ($millions) | 5.6326% | 1,513 |
| Cash dividends to net income (ytd only)* | 30.5739% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 3,511 |
| Loan loss allowance to noncurrent loans | 246.7245% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 4,507 |
| Noncurrent loans to loans | 0.6027% | 4,687 |
| Net loans and leases to total assets | 39.9636% | 6,033 |
| Net loans and leases to deposits | 47.2948% | 6,013 |
| Net loans and leases to core deposits | 49.6151% | 6,037 |
| Total domestic deposits to total assets | 84.4989% | 3,978 |
| Equity capital to assets | 8.7554% | 5,460 |
| Core capital (leverage) ratio | 9.5942% | 4,257 |
| Tier 1 risk-based capital ratio | 24.7933% | 899 |
| Total risk-based capital ratio | 26.0473% | 880 |
| Memoranda: | ||
| Average total assets | $530,890,750 | 1,265 |
| Average earning assets | $515,049,250 | 1,191 |
| Average equity | $47,635,250 | 1,483 |
| Average total loans | $207,117,000 | 1,955 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4360% | 6,754 |
| Cost of funding earning assets | 0.8199% | 1,305 |
| Net interest margin | 1.6160% | 6,842 |
| Noninterest income to average assets | 0.3293% | 5,061 |
| Noninterest expense to average assets | 1.0861% | 6,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8107% | 3,233 |
| Return on assets (ROA) | 1.1665% | 1,793 |
| Pretax return on assets | 1.1665% | 2,820 |
| Return on Equity (ROE) | 12.8993% | 1,265 |
| Retained earnings to average equity (ytd only) | 8.7662% | 1,193 |
| Net charge-offs to loans | 0.0437% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 48.2000% | 823 |
| Efficiency ratio | 57.2611% | 5,830 |
| Assets per employee ($millions) | 5.6545% | 1,457 |
| Cash dividends to net income (ytd only)* | 32.0410% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 3,538 |
| Loan loss allowance to noncurrent loans | 228.0461% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 4,205 |
| Noncurrent loans to loans | 0.6626% | 4,616 |
| Net loans and leases to total assets | 38.7892% | 6,128 |
| Net loans and leases to deposits | 45.9508% | 6,108 |
| Net loans and leases to core deposits | 48.5254% | 6,108 |
| Total domestic deposits to total assets | 84.4147% | 4,161 |
| Equity capital to assets | 9.3050% | 4,850 |
| Core capital (leverage) ratio | 9.1995% | 4,698 |
| Tier 1 risk-based capital ratio | 24.5390% | 929 |
| Total risk-based capital ratio | 25.7932% | 913 |
| Memoranda: | ||
| Average total assets | $535,122,000 | 1,252 |
| Average earning assets | $519,056,670 | 1,190 |
| Average equity | $48,390,330 | 1,473 |
| Average total loans | $206,084,000 | 1,965 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4773% | 6,819 |
| Cost of funding earning assets | 0.8306% | 1,362 |
| Net interest margin | 1.6467% | 6,921 |
| Noninterest income to average assets | 0.3703% | 4,702 |
| Noninterest expense to average assets | 1.0802% | 6,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8865% | 2,716 |
| Return on assets (ROA) | 1.2382% | 1,523 |
| Pretax return on assets | 1.2382% | 2,440 |
| Return on Equity (ROE) | 13.8915% | 980 |
| Retained earnings to average equity (ytd only) | 9.7124% | 1,182 |
| Net charge-offs to loans | 0.0176% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 132.2222% | 295 |
| Efficiency ratio | 54.9242% | 6,163 |
| Assets per employee ($millions) | 5.9587% | 1,282 |
| Cash dividends to net income (ytd only)* | 30.0842% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 3,445 |
| Loan loss allowance to noncurrent loans | 197.1041% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 4,337 |
| Noncurrent loans to loans | 0.8065% | 4,511 |
| Net loans and leases to total assets | 36.9274% | 6,230 |
| Net loans and leases to deposits | 43.4445% | 6,238 |
| Net loans and leases to core deposits | 46.7283% | 6,165 |
| Total domestic deposits to total assets | 84.9991% | 4,038 |
| Equity capital to assets | 8.9232% | 5,583 |
| Core capital (leverage) ratio | 8.9430% | 4,981 |
| Tier 1 risk-based capital ratio | 23.7068% | 1,059 |
| Total risk-based capital ratio | 24.9609% | 1,042 |
| Memoranda: | ||
| Average total assets | $536,923,500 | 1,262 |
| Average earning assets | $520,558,500 | 1,190 |
| Average equity | $47,856,500 | 1,507 |
| Average total loans | $204,458,500 | 1,992 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6507% | 6,892 |
| Cost of funding earning assets | 0.9963% | 1,381 |
| Net interest margin | 1.6544% | 6,981 |
| Noninterest income to average assets | 0.3545% | 4,932 |
| Noninterest expense to average assets | 1.2291% | 6,977 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7125% | 3,684 |
| Return on assets (ROA) | 1.3944% | 1,222 |
| Pretax return on assets | 1.3944% | 2,056 |
| Return on Equity (ROE) | 15.5869% | 724 |
| Retained earnings to average equity (ytd only) | 8.4352% | 989 |
| Net charge-offs to loans | 0.0565% | 5,137 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 30.7167% | 995 |
| Efficiency ratio | 63.3051% | 5,014 |
| Assets per employee ($millions) | 5.7187% | 1,505 |
| Cash dividends to net income (ytd only)* | 45.8830% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,547 |
| Loan loss allowance to noncurrent loans | 184.4738% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 4,352 |
| Noncurrent loans to loans | 0.8373% | 4,518 |
| Net loans and leases to total assets | 38.0372% | 6,305 |
| Net loans and leases to deposits | 45.7900% | 6,266 |
| Net loans and leases to core deposits | 49.7620% | 6,163 |
| Total domestic deposits to total assets | 83.0689% | 4,691 |
| Equity capital to assets | 8.9030% | 5,630 |
| Core capital (leverage) ratio | 9.1543% | 4,654 |
| Tier 1 risk-based capital ratio | 21.9696% | 1,269 |
| Total risk-based capital ratio | 23.2212% | 1,242 |
| Memoranda: | ||
| Average total assets | $517,369,200 | 1,292 |
| Average earning assets | $496,327,800 | 1,227 |
| Average equity | $46,282,400 | 1,505 |
| Average total loans | $212,570,600 | 1,902 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7124% | 6,994 |
| Cost of funding earning assets | 1.0498% | 1,279 |
| Net interest margin | 1.6626% | 7,092 |
| Noninterest income to average assets | 0.3128% | 5,280 |
| Noninterest expense to average assets | 1.1935% | 7,082 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7102% | 3,875 |
| Return on assets (ROA) | 1.5701% | 1,010 |
| Pretax return on assets | 1.5701% | 1,671 |
| Return on Equity (ROE) | 17.5291% | 548 |
| Retained earnings to average equity (ytd only) | 11.9795% | 534 |
| Net charge-offs to loans | 0.1197% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 14.2138% | 1,854 |
| Efficiency ratio | 62.6931% | 5,034 |
| Assets per employee ($millions) | 5.5113% | 1,625 |
| Cash dividends to net income (ytd only)* | 31.6592% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,948 |
| Loan loss allowance to noncurrent loans | 264.6414% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 4,341 |
| Noncurrent loans to loans | 0.5673% | 5,306 |
| Net loans and leases to total assets | 40.5798% | 6,236 |
| Net loans and leases to deposits | 48.4485% | 6,235 |
| Net loans and leases to core deposits | 53.1047% | 6,109 |
| Total domestic deposits to total assets | 83.7587% | 4,337 |
| Equity capital to assets | 9.3311% | 5,433 |
| Core capital (leverage) ratio | 9.2748% | 4,631 |
| Tier 1 risk-based capital ratio | 23.6182% | 1,075 |
| Total risk-based capital ratio | 24.8721% | 1,051 |
| Memoranda: | ||
| Average total assets | $512,321,500 | 1,321 |
| Average earning assets | $490,224,750 | 1,257 |
| Average equity | $45,888,250 | 1,529 |
| Average total loans | $213,793,000 | 1,919 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7298% | 7,067 |
| Cost of funding earning assets | 1.0885% | 1,263 |
| Net interest margin | 1.6413% | 7,167 |
| Noninterest income to average assets | 0.3634% | 4,930 |
| Noninterest expense to average assets | 1.2290% | 7,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7205% | 3,751 |
| Return on assets (ROA) | 1.7639% | 675 |
| Pretax return on assets | 1.7639% | 1,107 |
| Return on Equity (ROE) | 19.9676% | 361 |
| Retained earnings to average equity (ytd only) | 15.5196% | 252 |
| Net charge-offs to loans | 0.1179% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 14.5827% | 1,708 |
| Efficiency ratio | 63.0413% | 5,073 |
| Assets per employee ($millions) | 5.4489% | 1,656 |
| Cash dividends to net income (ytd only)* | 22.2761% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 3,996 |
| Loan loss allowance to noncurrent loans | 148.1944% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8626% | 4,650 |
| Noncurrent loans to loans | 1.0134% | 4,483 |
| Net loans and leases to total assets | 40.9894% | 6,272 |
| Net loans and leases to deposits | 48.5173% | 6,279 |
| Net loans and leases to core deposits | 53.3862% | 6,135 |
| Total domestic deposits to total assets | 84.4842% | 4,109 |
| Equity capital to assets | 9.3191% | 5,294 |
| Core capital (leverage) ratio | 9.0078% | 4,905 |
| Tier 1 risk-based capital ratio | 21.8473% | 1,325 |
| Total risk-based capital ratio | 23.1007% | 1,300 |
| Memoranda: | ||
| Average total assets | $514,083,670 | 1,316 |
| Average earning assets | $496,808,670 | 1,241 |
| Average equity | $45,413,670 | 1,536 |
| Average total loans | $215,427,330 | 1,897 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7529% | 7,129 |
| Cost of funding earning assets | 1.1108% | 1,345 |
| Net interest margin | 1.6421% | 7,227 |
| Noninterest income to average assets | 0.3099% | 5,406 |
| Noninterest expense to average assets | 1.3428% | 7,154 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5514% | 4,587 |
| Return on assets (ROA) | 1.2038% | 1,905 |
| Pretax return on assets | 1.2038% | 2,899 |
| Return on Equity (ROE) | 14.0099% | 1,182 |
| Retained earnings to average equity (ytd only) | 11.6598% | 891 |
| Net charge-offs to loans | 0.2198% | 2,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.9664% | 2,266 |
| Efficiency ratio | 70.8897% | 3,642 |
| Assets per employee ($millions) | 5.5564% | 1,648 |
| Cash dividends to net income (ytd only)* | 16.7742% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 4,228 |
| Loan loss allowance to noncurrent loans | 92.1332% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 4,838 |
| Noncurrent loans to loans | 1.6141% | 3,696 |
| Net loans and leases to total assets | 40.7008% | 6,293 |
| Net loans and leases to deposits | 48.0104% | 6,287 |
| Net loans and leases to core deposits | 52.7748% | 6,145 |
| Total domestic deposits to total assets | 84.7750% | 4,132 |
| Equity capital to assets | 8.3388% | 6,234 |
| Core capital (leverage) ratio | 8.5894% | 5,455 |
| Tier 1 risk-based capital ratio | 22.0357% | 1,279 |
| Total risk-based capital ratio | 23.2900% | 1,250 |
| Memoranda: | ||
| Average total assets | $515,029,000 | 1,319 |
| Average earning assets | $496,938,000 | 1,238 |
| Average equity | $44,254,500 | 1,567 |
| Average total loans | $216,568,000 | 1,888 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2278% | 7,112 |
| Cost of funding earning assets | 1.1892% | 2,096 |
| Net interest margin | 2.0386% | 7,215 |
| Noninterest income to average assets | 0.2654% | 5,622 |
| Noninterest expense to average assets | 1.3882% | 7,220 |
| Loan and lease loss provision to assets | 0.2857% | 3,373 |
| Net operating income to assets | 0.5638% | 4,173 |
| Return on assets (ROA) | 1.7332% | 558 |
| Pretax return on assets | 1.7332% | 920 |
| Return on Equity (ROE) | 19.3450% | 293 |
| Retained earnings to average equity (ytd only) | 7.5334% | 1,262 |
| Net charge-offs to loans | 0.8430% | 2,053 |
| Credit loss provision to net charge-offs | 74.0538% | 4,701 |
| Earnings coverage of net charge-offs (x) | 2.2019% | 4,134 |
| Efficiency ratio | 62.0354% | 5,456 |
| Assets per employee ($millions) | 5.2346% | 1,904 |
| Cash dividends to net income (ytd only)* | 61.0575% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,880 |
| Loan loss allowance to noncurrent loans | 87.3950% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 4,648 |
| Noncurrent loans to loans | 1.7521% | 3,527 |
| Net loans and leases to total assets | 42.1497% | 6,373 |
| Net loans and leases to deposits | 50.8637% | 6,299 |
| Net loans and leases to core deposits | 55.8833% | 6,165 |
| Total domestic deposits to total assets | 82.8681% | 4,804 |
| Equity capital to assets | 8.8537% | 5,730 |
| Core capital (leverage) ratio | 8.8151% | 5,073 |
| Tier 1 risk-based capital ratio | 20.5410% | 1,513 |
| Total risk-based capital ratio | 21.7951% | 1,476 |
| Memoranda: | ||
| Average total assets | $472,467,600 | 1,402 |
| Average earning assets | $457,117,400 | 1,336 |
| Average equity | $42,331,400 | 1,589 |
| Average total loans | $216,255,200 | 1,900 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3958% | 7,139 |
| Cost of funding earning assets | 1.2222% | 2,172 |
| Net interest margin | 2.1737% | 7,261 |
| Noninterest income to average assets | 0.2554% | 5,795 |
| Noninterest expense to average assets | 1.3984% | 7,276 |
| Loan and lease loss provision to assets | 0.3882% | 2,528 |
| Net operating income to assets | 0.5702% | 4,220 |
| Return on assets (ROA) | 2.0504% | 336 |
| Pretax return on assets | 2.0504% | 566 |
| Return on Equity (ROE) | 22.8106% | 192 |
| Retained earnings to average equity (ytd only) | 10.7175% | 678 |
| Net charge-offs to loans | 0.4864% | 2,798 |
| Credit loss provision to net charge-offs | 171.3198% | 1,758 |
| Earnings coverage of net charge-offs (x) | 4.2297% | 3,137 |
| Efficiency ratio | 59.3338% | 5,821 |
| Assets per employee ($millions) | 4.9273% | 2,286 |
| Cash dividends to net income (ytd only)* | 53.0154% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 2,340 |
| Loan loss allowance to noncurrent loans | 99.6119% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 4,539 |
| Noncurrent loans to loans | 2.0074% | 3,359 |
| Net loans and leases to total assets | 44.2819% | 6,308 |
| Net loans and leases to deposits | 53.5603% | 6,252 |
| Net loans and leases to core deposits | 59.0932% | 6,050 |
| Total domestic deposits to total assets | 82.6767% | 4,809 |
| Equity capital to assets | 9.3780% | 5,264 |
| Core capital (leverage) ratio | 8.9948% | 4,938 |
| Tier 1 risk-based capital ratio | 20.7912% | 1,498 |
| Total risk-based capital ratio | 22.0519% | 1,469 |
| Memoranda: | ||
| Average total assets | $463,646,000 | 1,429 |
| Average earning assets | $448,263,250 | 1,365 |
| Average equity | $41,675,500 | 1,621 |
| Average total loans | $215,982,750 | 1,919 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5179% | 7,152 |
| Cost of funding earning assets | 1.2590% | 2,193 |
| Net interest margin | 2.2589% | 7,296 |
| Noninterest income to average assets | 0.2489% | 5,866 |
| Noninterest expense to average assets | 1.4448% | 7,342 |
| Loan and lease loss provision to assets | 0.2843% | 3,106 |
| Net operating income to assets | 0.7016% | 3,539 |
| Return on assets (ROA) | 0.8683% | 2,871 |
| Pretax return on assets | 0.8683% | 3,766 |
| Return on Equity (ROE) | 9.8091% | 2,183 |
| Retained earnings to average equity (ytd only) | -3.9286% | 6,467 |
| Net charge-offs to loans | 0.6978% | 2,108 |
| Credit loss provision to net charge-offs | 86.5513% | 3,570 |
| Earnings coverage of net charge-offs (x) | 3.0013% | 3,350 |
| Efficiency ratio | 59.4385% | 5,957 |
| Assets per employee ($millions) | 4.7847% | 2,425 |
| Cash dividends to net income (ytd only)* | 140.0504% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 3,263 |
| Loan loss allowance to noncurrent loans | 88.2844% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.2378% | 4,424 |
| Noncurrent loans to loans | 1.9471% | 3,546 |
| Net loans and leases to total assets | 45.5789% | 6,306 |
| Net loans and leases to deposits | 54.7012% | 6,252 |
| Net loans and leases to core deposits | 61.2378% | 5,971 |
| Total domestic deposits to total assets | 83.3234% | 4,622 |
| Equity capital to assets | 9.0231% | 5,549 |
| Core capital (leverage) ratio | 8.4895% | 5,571 |
| Tier 1 risk-based capital ratio | 18.9664% | 1,863 |
| Total risk-based capital ratio | 20.2252% | 1,820 |
| Memoranda: | ||
| Average total assets | $457,235,670 | 1,456 |
| Average earning assets | $441,629,000 | 1,390 |
| Average equity | $40,472,670 | 1,658 |
| Average total loans | $215,247,000 | 1,945 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 7,173 |
| Cost of funding earning assets | 1.3081% | 2,132 |
| Net interest margin | 2.2492% | 7,336 |
| Noninterest income to average assets | 0.3455% | 5,150 |
| Noninterest expense to average assets | 1.2808% | 7,467 |
| Loan and lease loss provision to assets | 0.0881% | 4,908 |
| Net operating income to assets | 1.1485% | 1,672 |
| Return on assets (ROA) | 1.4844% | 941 |
| Pretax return on assets | 1.4844% | 1,491 |
| Return on Equity (ROE) | 16.9374% | 578 |
| Retained earnings to average equity (ytd only) | 16.9374% | 283 |
| Net charge-offs to loans | -0.0613% | 6,951 |
| Credit loss provision to net charge-offs | -303.0303% | 5,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8754% | 6,927 |
| Assets per employee ($millions) | 4.7903% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8379% | 2,895 |
| Loan loss allowance to noncurrent loans | 196.5035% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 5,594 |
| Noncurrent loans to loans | 0.9353% | 5,165 |
| Net loans and leases to total assets | 45.6896% | 6,313 |
| Net loans and leases to deposits | 55.1008% | 6,205 |
| Net loans and leases to core deposits | 61.0045% | 6,014 |
| Total domestic deposits to total assets | 82.9200% | 4,963 |
| Equity capital to assets | 9.0333% | 5,149 |
| Core capital (leverage) ratio | 9.0162% | 4,588 |
| Tier 1 risk-based capital ratio | 20.4666% | 1,488 |
| Total risk-based capital ratio | 21.7249% | 1,464 |
| Memoranda: | ||
| Average total assets | $453,794,500 | 1,480 |
| Average earning assets | $438,203,000 | 1,407 |
| Average equity | $39,770,000 | 1,674 |
| Average total loans | $215,250,500 | 1,966 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 7,296 |
| Cost of funding earning assets | 1.6328% | 1,901 |
| Net interest margin | 2.0909% | 7,433 |
| Noninterest income to average assets | 0.3708% | 5,131 |
| Noninterest expense to average assets | 1.4052% | 7,479 |
| Loan and lease loss provision to assets | 0.4367% | 3,501 |
| Net operating income to assets | 0.5448% | 3,911 |
| Return on assets (ROA) | 1.3352% | 1,164 |
| Pretax return on assets | 1.3352% | 1,842 |
| Return on Equity (ROE) | 15.2462% | 685 |
| Retained earnings to average equity (ytd only) | 11.7117% | 298 |
| Net charge-offs to loans | 0.3391% | 4,318 |
| Credit loss provision to net charge-offs | 269.4444% | 1,027 |
| Earnings coverage of net charge-offs (x) | 6.0556% | 2,453 |
| Efficiency ratio | 58.8757% | 6,221 |
| Assets per employee ($millions) | 4.7630% | 2,464 |
| Cash dividends to net income (ytd only)* | 23.1833% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 3,004 |
| Loan loss allowance to noncurrent loans | 183.1807% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 5,566 |
| Noncurrent loans to loans | 0.9586% | 5,133 |
| Net loans and leases to total assets | 47.4970% | 6,439 |
| Net loans and leases to deposits | 57.1968% | 6,335 |
| Net loans and leases to core deposits | 63.1859% | 6,130 |
| Total domestic deposits to total assets | 83.0414% | 4,777 |
| Equity capital to assets | 8.4871% | 5,871 |
| Core capital (leverage) ratio | 9.1815% | 4,203 |
| Tier 1 risk-based capital ratio | 20.1493% | 1,457 |
| Total risk-based capital ratio | 21.4076% | 1,426 |
| Memoranda: | ||
| Average total assets | $444,215,600 | 1,494 |
| Average earning assets | $428,278,600 | 1,414 |
| Average equity | $38,901,400 | 1,695 |
| Average total loans | $212,352,400 | 2,044 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 7,430 |
| Cost of funding earning assets | 1.7569% | 1,602 |
| Net interest margin | 1.9897% | 7,583 |
| Noninterest income to average assets | 0.3705% | 5,195 |
| Noninterest expense to average assets | 1.3681% | 7,607 |
| Loan and lease loss provision to assets | 0.3729% | 3,658 |
| Net operating income to assets | 0.5473% | 4,103 |
| Return on assets (ROA) | 1.3807% | 1,227 |
| Pretax return on assets | 1.3807% | 1,939 |
| Return on Equity (ROE) | 15.6444% | 754 |
| Retained earnings to average equity (ytd only) | 15.3888% | 193 |
| Net charge-offs to loans | 0.3073% | 4,123 |
| Credit loss provision to net charge-offs | 254.6201% | 1,310 |
| Earnings coverage of net charge-offs (x) | 6.2833% | 2,553 |
| Efficiency ratio | 59.7845% | 5,986 |
| Assets per employee ($millions) | 4.6437% | 2,690 |
| Cash dividends to net income (ytd only)* | 1.6337% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 3,698 |
| Loan loss allowance to noncurrent loans | 148.2437% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 5,579 |
| Noncurrent loans to loans | 1.0532% | 5,137 |
| Net loans and leases to total assets | 48.6757% | 6,461 |
| Net loans and leases to deposits | 59.7960% | 6,332 |
| Net loans and leases to core deposits | 64.8517% | 6,224 |
| Total domestic deposits to total assets | 81.4029% | 5,236 |
| Equity capital to assets | 9.9418% | 4,233 |
| Core capital (leverage) ratio | 8.8596% | 4,909 |
| Tier 1 risk-based capital ratio | 20.3353% | 1,481 |
| Total risk-based capital ratio | 21.5912% | 1,455 |
| Memoranda: | ||
| Average total assets | $443,338,250 | 1,526 |
| Average earning assets | $427,327,250 | 1,439 |
| Average equity | $39,127,000 | 1,704 |
| Average total loans | $211,326,250 | 2,085 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 7,508 |
| Cost of funding earning assets | 1.8429% | 1,466 |
| Net interest margin | 1.9098% | 7,667 |
| Noninterest income to average assets | 0.3547% | 5,308 |
| Noninterest expense to average assets | 1.3655% | 7,682 |
| Loan and lease loss provision to assets | 0.4204% | 3,216 |
| Net operating income to assets | 0.4097% | 4,712 |
| Return on assets (ROA) | 0.7872% | 3,179 |
| Pretax return on assets | 0.7872% | 3,926 |
| Return on Equity (ROE) | 9.2980% | 2,350 |
| Retained earnings to average equity (ytd only) | 8.9018% | 1,133 |
| Net charge-offs to loans | 0.4027% | 3,370 |
| Credit loss provision to net charge-offs | 221.6981% | 1,759 |
| Earnings coverage of net charge-offs (x) | 4.3774% | 2,967 |
| Efficiency ratio | 62.1919% | 5,656 |
| Assets per employee ($millions) | 4.8016% | 2,445 |
| Cash dividends to net income (ytd only)* | 4.2614% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 4,063 |
| Loan loss allowance to noncurrent loans | 138.2589% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 5,633 |
| Noncurrent loans to loans | 1.0640% | 5,188 |
| Net loans and leases to total assets | 45.9593% | 6,781 |
| Net loans and leases to deposits | 55.6453% | 6,755 |
| Net loans and leases to core deposits | 60.5006% | 6,675 |
| Total domestic deposits to total assets | 82.5933% | 4,744 |
| Equity capital to assets | 8.7452% | 5,819 |
| Core capital (leverage) ratio | 8.1593% | 6,021 |
| Tier 1 risk-based capital ratio | 18.8520% | 1,755 |
| Total risk-based capital ratio | 20.1062% | 1,726 |
| Memoranda: | ||
| Average total assets | $447,163,000 | 1,530 |
| Average earning assets | $431,048,670 | 1,445 |
| Average equity | $37,857,670 | 1,755 |
| Average total loans | $210,586,000 | 2,118 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 7,612 |
| Cost of funding earning assets | 1.8719% | 1,561 |
| Net interest margin | 1.8756% | 7,760 |
| Noninterest income to average assets | 0.3568% | 5,282 |
| Noninterest expense to average assets | 1.3850% | 7,770 |
| Loan and lease loss provision to assets | 0.1887% | 4,611 |
| Net operating income to assets | 0.5905% | 3,934 |
| Return on assets (ROA) | 0.6606% | 3,723 |
| Pretax return on assets | 0.6606% | 4,374 |
| Return on Equity (ROE) | 7.9351% | 2,914 |
| Retained earnings to average equity (ytd only) | 7.1254% | 2,081 |
| Net charge-offs to loans | 0.0152% | 5,370 |
| Credit loss provision to net charge-offs | 2,625.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 108.3750% | 301 |
| Efficiency ratio | 63.9950% | 5,494 |
| Assets per employee ($millions) | 4.7207% | 2,614 |
| Cash dividends to net income (ytd only)* | 10.2041% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 4,739 |
| Loan loss allowance to noncurrent loans | 112.3990% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 5,550 |
| Noncurrent loans to loans | 1.1914% | 4,977 |
| Net loans and leases to total assets | 45.7217% | 6,850 |
| Net loans and leases to deposits | 54.1536% | 6,906 |
| Net loans and leases to core deposits | 58.7926% | 6,832 |
| Total domestic deposits to total assets | 84.4297% | 3,929 |
| Equity capital to assets | 8.3298% | 6,262 |
| Core capital (leverage) ratio | 8.0547% | 6,155 |
| Tier 1 risk-based capital ratio | 19.1459% | 1,687 |
| Total risk-based capital ratio | 20.3989% | 1,653 |
| Memoranda: | ||
| Average total assets | $445,067,500 | 1,577 |
| Average earning assets | $428,879,000 | 1,488 |
| Average equity | $37,050,500 | 1,816 |
| Average total loans | $210,611,000 | 2,175 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 7,610 |
| Cost of funding earning assets | 2.2316% | 1,893 |
| Net interest margin | 1.9567% | 7,759 |
| Noninterest income to average assets | 0.4100% | 5,124 |
| Noninterest expense to average assets | 1.4642% | 7,818 |
| Loan and lease loss provision to assets | 0.1277% | 6,362 |
| Net operating income to assets | 0.6830% | 3,004 |
| Return on assets (ROA) | 0.8556% | 2,404 |
| Pretax return on assets | 0.8556% | 3,067 |
| Return on Equity (ROE) | 9.8259% | 1,736 |
| Retained earnings to average equity (ytd only) | 1.3820% | 4,092 |
| Net charge-offs to loans | 0.3713% | 4,357 |
| Credit loss provision to net charge-offs | 66.9145% | 6,545 |
| Earnings coverage of net charge-offs (x) | 4.2491% | 3,011 |
| Efficiency ratio | 64.3629% | 5,702 |
| Assets per employee ($millions) | 4.5533% | 2,828 |
| Cash dividends to net income (ytd only)* | 85.9353% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 5,300 |
| Loan loss allowance to noncurrent loans | 709.0659% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 6,660 |
| Noncurrent loans to loans | 0.1706% | 6,997 |
| Net loans and leases to total assets | 47.7307% | 6,829 |
| Net loans and leases to deposits | 56.8226% | 6,866 |
| Net loans and leases to core deposits | 70.7754% | 6,726 |
| Total domestic deposits to total assets | 83.9994% | 4,023 |
| Equity capital to assets | 8.3195% | 6,171 |
| Core capital (leverage) ratio | 8.1252% | 5,947 |
| Tier 1 risk-based capital ratio | 18.0123% | 1,891 |
| Total risk-based capital ratio | 19.2634% | 1,853 |
| Memoranda: | ||
| Average total assets | $422,962,400 | 1,634 |
| Average earning assets | $403,118,200 | 1,573 |
| Average equity | $36,831,400 | 1,826 |
| Average total loans | $217,338,000 | 2,124 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2996% | 7,676 |
| Cost of funding earning assets | 2.3180% | 1,912 |
| Net interest margin | 1.9816% | 7,823 |
| Noninterest income to average assets | 0.4230% | 5,108 |
| Noninterest expense to average assets | 1.4886% | 7,891 |
| Loan and lease loss provision to assets | 0.0574% | 6,788 |
| Net operating income to assets | 0.7605% | 2,982 |
| Return on assets (ROA) | 0.9932% | 2,144 |
| Pretax return on assets | 0.9932% | 2,928 |
| Return on Equity (ROE) | 11.2733% | 1,552 |
| Retained earnings to average equity (ytd only) | 0.0217% | 5,194 |
| Net charge-offs to loans | 0.4770% | 3,320 |
| Credit loss provision to net charge-offs | 23.0474% | 6,549 |
| Earnings coverage of net charge-offs (x) | 3.2855% | 3,594 |
| Efficiency ratio | 64.5384% | 5,653 |
| Assets per employee ($millions) | 4.3404% | 3,137 |
| Cash dividends to net income (ytd only)* | 99.8074% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 6,077 |
| Loan loss allowance to noncurrent loans | 940.1674% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 6,754 |
| Noncurrent loans to loans | 0.1103% | 7,201 |
| Net loans and leases to total assets | 50.4031% | 6,747 |
| Net loans and leases to deposits | 59.3490% | 6,878 |
| Net loans and leases to core deposits | 73.6748% | 6,746 |
| Total domestic deposits to total assets | 84.9265% | 3,276 |
| Equity capital to assets | 8.4406% | 6,330 |
| Core capital (leverage) ratio | 8.2639% | 5,895 |
| Tier 1 risk-based capital ratio | 17.7883% | 2,051 |
| Total risk-based capital ratio | 18.9403% | 2,023 |
| Memoranda: | ||
| Average total assets | $418,285,000 | 1,668 |
| Average earning assets | $397,580,000 | 1,615 |
| Average equity | $36,853,000 | 1,848 |
| Average total loans | $218,324,000 | 2,143 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 7,720 |
| Cost of funding earning assets | 2.4074% | 1,941 |
| Net interest margin | 1.9802% | 7,876 |
| Noninterest income to average assets | 0.4025% | 5,265 |
| Noninterest expense to average assets | 1.5560% | 7,941 |
| Loan and lease loss provision to assets | 0.0577% | 6,642 |
| Net operating income to assets | 0.6790% | 3,351 |
| Return on assets (ROA) | 1.0300% | 2,085 |
| Pretax return on assets | 1.0300% | 2,883 |
| Return on Equity (ROE) | 11.5255% | 1,554 |
| Retained earnings to average equity (ytd only) | -3.8634% | 6,112 |
| Net charge-offs to loans | 0.3326% | 3,514 |
| Credit loss provision to net charge-offs | 32.9670% | 5,996 |
| Earnings coverage of net charge-offs (x) | 4.2088% | 3,175 |
| Efficiency ratio | 67.8691% | 5,172 |
| Assets per employee ($millions) | 4.4660% | 2,816 |
| Cash dividends to net income (ytd only)* | 133.5201% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 4,905 |
| Loan loss allowance to noncurrent loans | 219.7468% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 6,321 |
| Noncurrent loans to loans | 0.5478% | 6,172 |
| Net loans and leases to total assets | 52.0161% | 6,691 |
| Net loans and leases to deposits | 61.4192% | 6,784 |
| Net loans and leases to core deposits | 75.1464% | 6,722 |
| Total domestic deposits to total assets | 84.6902% | 3,399 |
| Equity capital to assets | 8.3213% | 6,302 |
| Core capital (leverage) ratio | 8.1799% | 6,011 |
| Tier 1 risk-based capital ratio | 17.8081% | 2,067 |
| Total risk-based capital ratio | 19.0598% | 2,012 |
| Memoranda: | ||
| Average total assets | $415,925,670 | 1,699 |
| Average earning assets | $397,029,000 | 1,638 |
| Average equity | $37,169,670 | 1,836 |
| Average total loans | $218,884,330 | 2,167 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 7,743 |
| Cost of funding earning assets | 2.4942% | 1,939 |
| Net interest margin | 1.9782% | 7,905 |
| Noninterest income to average assets | 0.4187% | 5,069 |
| Noninterest expense to average assets | 1.4482% | 8,021 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8613% | 2,875 |
| Return on assets (ROA) | 1.3975% | 1,233 |
| Pretax return on assets | 1.3975% | 1,970 |
| Return on Equity (ROE) | 15.1269% | 957 |
| Retained earnings to average equity (ytd only) | 13.3163% | 592 |
| Net charge-offs to loans | 0.0781% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 20.9535% | 1,351 |
| Efficiency ratio | 62.7070% | 5,930 |
| Assets per employee ($millions) | 4.2438% | 3,182 |
| Cash dividends to net income (ytd only)* | 11.9699% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 4,157 |
| Loan loss allowance to noncurrent loans | 261.4166% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 6,718 |
| Noncurrent loans to loans | 0.4919% | 6,197 |
| Net loans and leases to total assets | 50.2409% | 6,843 |
| Net loans and leases to deposits | 60.4791% | 6,857 |
| Net loans and leases to core deposits | 73.3647% | 6,844 |
| Total domestic deposits to total assets | 83.0715% | 4,108 |
| Equity capital to assets | 8.8936% | 5,487 |
| Core capital (leverage) ratio | 8.4085% | 5,706 |
| Tier 1 risk-based capital ratio | 18.7170% | 1,877 |
| Total risk-based capital ratio | 19.9692% | 1,832 |
| Memoranda: | ||
| Average total assets | $418,451,000 | 1,703 |
| Average earning assets | $399,964,500 | 1,634 |
| Average equity | $38,659,500 | 1,755 |
| Average total loans | $220,164,000 | 2,177 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1718% | 7,706 |
| Cost of funding earning assets | 3.2338% | 1,091 |
| Net interest margin | 1.9381% | 8,098 |
| Noninterest income to average assets | 0.3501% | 5,929 |
| Noninterest expense to average assets | 1.3728% | 8,089 |
| Loan and lease loss provision to assets | 0.1103% | 5,959 |
| Net operating income to assets | 0.7128% | 3,835 |
| Return on assets (ROA) | 0.9685% | 2,579 |
| Pretax return on assets | 0.9685% | 3,490 |
| Return on Equity (ROE) | 11.2548% | 1,825 |
| Retained earnings to average equity (ytd only) | 7.0578% | 1,131 |
| Net charge-offs to loans | 0.0361% | 6,296 |
| Credit loss provision to net charge-offs | 555.5556% | 791 |
| Earnings coverage of net charge-offs (x) | 41.4444% | 889 |
| Efficiency ratio | 62.5167% | 5,857 |
| Assets per employee ($millions) | 4.3434% | 2,891 |
| Cash dividends to net income (ytd only)* | 37.2911% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 3,918 |
| Loan loss allowance to noncurrent loans | 336.6430% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 6,590 |
| Noncurrent loans to loans | 0.3808% | 6,207 |
| Net loans and leases to total assets | 53.7208% | 6,685 |
| Net loans and leases to deposits | 63.9655% | 6,797 |
| Net loans and leases to core deposits | 76.7692% | 6,812 |
| Total domestic deposits to total assets | 83.9841% | 3,328 |
| Equity capital to assets | 9.6010% | 4,542 |
| Core capital (leverage) ratio | 8.5892% | 5,401 |
| Tier 1 risk-based capital ratio | 17.6023% | 2,150 |
| Total risk-based capital ratio | 18.8545% | 2,088 |
| Memoranda: | ||
| Average total assets | $407,851,000 | 1,663 |
| Average earning assets | $388,429,800 | 1,600 |
| Average equity | $35,096,000 | 1,924 |
| Average total loans | $224,067,600 | 2,091 |