Home > Bank of Oak Ridge > Performance and Condition Ratios
Bank of Oak Ridge, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5326% | 1,118 |
| Cost of funding earning assets | 1.4519% | 2,071 |
| Net interest margin | 4.0806% | 1,092 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.9682% | 1,167 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.0835% | 1,965 |
| Return on assets (ROA) | 1.0936% | 1,909 |
| Pretax return on assets | 1.4045% | 1,624 |
| Return on Equity (ROE) | 10.2000% | 2,436 |
| Retained earnings to average equity (ytd only) | 6.2750% | 2,143 |
| Net charge-offs to loans | 0.0598% | 1,259 |
| Credit loss provision to net charge-offs | 217.4721% | 1,162 |
| Earnings coverage of net charge-offs (x) | 33.8216% | 1,555 |
| Efficiency ratio | 66.2399% | 2,319 |
| Assets per employee ($millions) | 8.2323% | 1,317 |
| Cash dividends to net income (ytd only)* | 38.4674% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,054 |
| Loan loss allowance to noncurrent loans | 1,177.0335% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,114 |
| Noncurrent loans to loans | 0.0895% | 3,094 |
| Net loans and leases to total assets | 74.8100% | 1,264 |
| Net loans and leases to deposits | 92.2470% | 1,068 |
| Net loans and leases to core deposits | 102.9280% | 1,282 |
| Total domestic deposits to total assets | 81.0900% | 3,293 |
| Equity capital to assets | 10.8852% | 1,533 |
| Core capital (leverage) ratio | 11.1819% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $601,407,800 | 1,478 |
| Average earning assets | $566,483,800 | 1,448 |
| Average equity | $64,494,200 | 1,325 |
| Average total loans | $449,742,800 | 1,349 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3564% | 1,200 |
| Cost of funding earning assets | 1.2866% | 2,186 |
| Net interest margin | 4.0698% | 1,121 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 3.0243% | 1,039 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0749% | 2,131 |
| Return on assets (ROA) | 1.0885% | 2,075 |
| Pretax return on assets | 1.4049% | 1,768 |
| Return on Equity (ROE) | 10.1900% | 2,590 |
| Retained earnings to average equity (ytd only) | 6.4413% | 2,483 |
| Net charge-offs to loans | 0.0090% | 2,077 |
| Credit loss provision to net charge-offs | 783.3333% | 475 |
| Earnings coverage of net charge-offs (x) | 217.1000% | 563 |
| Efficiency ratio | 67.5389% | 2,067 |
| Assets per employee ($millions) | 8.2371% | 1,236 |
| Cash dividends to net income (ytd only)* | 36.7849% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,084 |
| Loan loss allowance to noncurrent loans | 1,166.9903% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,160 |
| Noncurrent loans to loans | 0.0906% | 3,126 |
| Net loans and leases to total assets | 73.7800% | 1,363 |
| Net loans and leases to deposits | 92.6565% | 1,005 |
| Net loans and leases to core deposits | 102.4592% | 1,187 |
| Total domestic deposits to total assets | 79.6300% | 3,581 |
| Equity capital to assets | 10.6034% | 1,511 |
| Core capital (leverage) ratio | 11.3432% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $597,403,500 | 1,485 |
| Average earning assets | $561,781,750 | 1,459 |
| Average equity | $63,815,750 | 1,325 |
| Average total loans | $445,479,500 | 1,354 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 1,279 |
| Cost of funding earning assets | 1.1207% | 2,216 |
| Net interest margin | 4.0389% | 1,175 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.0208% | 1,010 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0504% | 2,262 |
| Return on assets (ROA) | 1.0709% | 2,200 |
| Pretax return on assets | 1.3769% | 1,869 |
| Return on Equity (ROE) | 10.0000% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.6159% | 2,415 |
| Net charge-offs to loans | 0.0059% | 2,038 |
| Credit loss provision to net charge-offs | 807.6923% | 478 |
| Earnings coverage of net charge-offs (x) | 320.4615% | 429 |
| Efficiency ratio | 68.2663% | 1,953 |
| Assets per employee ($millions) | 8.0117% | 1,310 |
| Cash dividends to net income (ytd only)* | 33.8370% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,142 |
| Loan loss allowance to noncurrent loans | 1,581.1448% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,291 |
| Noncurrent loans to loans | 0.0670% | 3,221 |
| Net loans and leases to total assets | 72.0300% | 1,530 |
| Net loans and leases to deposits | 91.0483% | 1,106 |
| Net loans and leases to core deposits | 99.6103% | 1,260 |
| Total domestic deposits to total assets | 79.1200% | 3,705 |
| Equity capital to assets | 10.5747% | 1,561 |
| Core capital (leverage) ratio | 11.5007% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $593,357,000 | 1,495 |
| Average earning assets | $557,675,000 | 1,467 |
| Average equity | $63,543,667 | 1,331 |
| Average total loans | $442,465,333 | 1,337 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1045% | 1,084 |
| Cost of funding earning assets | 1.0184% | 1,987 |
| Net interest margin | 4.0861% | 1,121 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 3.1182% | 908 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.9742% | 2,610 |
| Return on assets (ROA) | 1.0157% | 2,450 |
| Pretax return on assets | 1.3026% | 2,164 |
| Return on Equity (ROE) | 9.4200% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.1861% | 2,448 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.2086% | 1,832 |
| Assets per employee ($millions) | 7.5171% | 1,613 |
| Cash dividends to net income (ytd only)* | 23.7391% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,204 |
| Loan loss allowance to noncurrent loans | 2,059.9138% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,393 |
| Noncurrent loans to loans | 0.0519% | 3,367 |
| Net loans and leases to total assets | 75.4100% | 1,031 |
| Net loans and leases to deposits | 90.0606% | 1,042 |
| Net loans and leases to core deposits | 98.7703% | 1,139 |
| Total domestic deposits to total assets | 83.7300% | 3,147 |
| Equity capital to assets | 10.9299% | 1,368 |
| Core capital (leverage) ratio | 11.2456% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $585,590,500 | 1,536 |
| Average earning assets | $550,257,000 | 1,520 |
| Average equity | $63,121,500 | 1,346 |
| Average total loans | $442,045,500 | 1,349 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 1,032 |
| Cost of funding earning assets | 0.2588% | 3,252 |
| Net interest margin | 4.0511% | 726 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.9197% | 1,096 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.2669% | 1,543 |
| Return on assets (ROA) | 1.2462% | 1,564 |
| Pretax return on assets | 1.5664% | 1,250 |
| Return on Equity (ROE) | 12.1100% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.2738% | 1,398 |
| Net charge-offs to loans | -0.2611% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.8100% | 2,387 |
| Assets per employee ($millions) | 7.5954% | 1,552 |
| Cash dividends to net income (ytd only)* | 23.4103% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 2,851 |
| Loan loss allowance to noncurrent loans | 1,297.0588% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,164 |
| Noncurrent loans to loans | 0.0856% | 3,143 |
| Net loans and leases to total assets | 73.9200% | 1,222 |
| Net loans and leases to deposits | 89.0021% | 1,115 |
| Net loans and leases to core deposits | 97.1917% | 1,141 |
| Total domestic deposits to total assets | 83.0500% | 3,410 |
| Equity capital to assets | 10.6279% | 1,399 |
| Core capital (leverage) ratio | 11.2698% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $590,600,400 | 1,510 |
| Average earning assets | $556,317,800 | 1,492 |
| Average equity | $60,784,000 | 1,386 |
| Average total loans | $434,744,000 | 1,308 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 877 |
| Cost of funding earning assets | 0.1761% | 3,557 |
| Net interest margin | 4.0324% | 604 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.9001% | 1,058 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2366% | 1,565 |
| Return on assets (ROA) | 1.2342% | 1,550 |
| Pretax return on assets | 1.5477% | 1,278 |
| Return on Equity (ROE) | 12.1000% | 2,001 |
| Retained earnings to average equity (ytd only) | 9.6886% | 1,434 |
| Net charge-offs to loans | -0.3222% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.6988% | 2,454 |
| Assets per employee ($millions) | 7.4288% | 1,659 |
| Cash dividends to net income (ytd only)* | 19.9271% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 2,865 |
| Loan loss allowance to noncurrent loans | 1,236.0000% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,186 |
| Noncurrent loans to loans | 0.0917% | 3,226 |
| Net loans and leases to total assets | 76.4000% | 866 |
| Net loans and leases to deposits | 88.5615% | 995 |
| Net loans and leases to core deposits | 96.6182% | 973 |
| Total domestic deposits to total assets | 86.2700% | 2,994 |
| Equity capital to assets | 10.6642% | 1,307 |
| Core capital (leverage) ratio | 10.7727% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $592,523,000 | 1,507 |
| Average earning assets | $557,234,500 | 1,494 |
| Average equity | $60,440,750 | 1,416 |
| Average total loans | $433,220,500 | 1,296 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 828 |
| Cost of funding earning assets | 0.1746% | 3,256 |
| Net interest margin | 3.8911% | 620 |
| Noninterest income to average assets | 0.6909% | 1,382 |
| Noninterest expense to average assets | 2.8290% | 1,118 |
| Loan and lease loss provision to assets | -0.0063% | 4,384 |
| Net operating income to assets | 1.2279% | 1,337 |
| Return on assets (ROA) | 1.2279% | 1,321 |
| Pretax return on assets | 1.5350% | 1,087 |
| Return on Equity (ROE) | 12.2112% | 1,613 |
| Retained earnings to average equity (ytd only) | 9.5542% | 1,130 |
| Net charge-offs to loans | -0.4794% | 4,690 |
| Credit loss provision to net charge-offs | 1.8340% | 1,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9203% | 2,647 |
| Assets per employee ($millions) | 8.0046% | 1,302 |
| Cash dividends to net income (ytd only)* | 21.7591% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,146 |
| Loan loss allowance to noncurrent loans | 540.0452% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,708 |
| Noncurrent loans to loans | 0.2044% | 2,692 |
| Net loans and leases to total assets | 70.2929% | 1,276 |
| Net loans and leases to deposits | 79.1284% | 1,457 |
| Net loans and leases to core deposits | 85.7882% | 1,351 |
| Total domestic deposits to total assets | 88.8340% | 2,252 |
| Equity capital to assets | 9.9205% | 1,753 |
| Core capital (leverage) ratio | 10.0016% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $601,833,333 | 1,488 |
| Average earning assets | $567,146,667 | 1,478 |
| Average equity | $60,518,000 | 1,430 |
| Average total loans | $432,195,333 | 1,298 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 552 |
| Cost of funding earning assets | 0.1827% | 3,054 |
| Net interest margin | 3.9874% | 426 |
| Noninterest income to average assets | 0.5206% | 2,040 |
| Noninterest expense to average assets | 2.6977% | 1,370 |
| Loan and lease loss provision to assets | 0.0588% | 1,347 |
| Net operating income to assets | 1.2209% | 1,196 |
| Return on assets (ROA) | 1.2209% | 1,180 |
| Pretax return on assets | 1.5263% | 969 |
| Return on Equity (ROE) | 12.0591% | 1,291 |
| Retained earnings to average equity (ytd only) | 10.5806% | 881 |
| Net charge-offs to loans | -0.0426% | 4,205 |
| Credit loss provision to net charge-offs | -191.3043% | 2,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9895% | 3,148 |
| Assets per employee ($millions) | 8.5338% | 1,094 |
| Cash dividends to net income (ytd only)* | 12.2605% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 4,054 |
| Loan loss allowance to noncurrent loans | 386.0119% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,653 |
| Noncurrent loans to loans | 0.2320% | 2,664 |
| Net loans and leases to total assets | 70.0872% | 1,018 |
| Net loans and leases to deposits | 78.7920% | 1,225 |
| Net loans and leases to core deposits | 85.6318% | 1,153 |
| Total domestic deposits to total assets | 88.9521% | 2,108 |
| Equity capital to assets | 9.7932% | 2,054 |
| Core capital (leverage) ratio | 10.2296% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,577,000 | 1,504 |
| Average earning assets | $564,780,000 | 1,492 |
| Average equity | $60,601,500 | 1,467 |
| Average total loans | $432,094,000 | 1,288 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 692 |
| Cost of funding earning assets | 0.2592% | 2,819 |
| Net interest margin | 4.1612% | 525 |
| Noninterest income to average assets | 0.6939% | 1,787 |
| Noninterest expense to average assets | 2.8249% | 1,301 |
| Loan and lease loss provision to assets | -0.1211% | 4,580 |
| Net operating income to assets | 1.5024% | 1,008 |
| Return on assets (ROA) | 1.5176% | 1,017 |
| Pretax return on assets | 1.9148% | 706 |
| Return on Equity (ROE) | 14.7857% | 997 |
| Retained earnings to average equity (ytd only) | 11.3829% | 636 |
| Net charge-offs to loans | 0.2283% | 406 |
| Credit loss provision to net charge-offs | -66.9284% | 3,292 |
| Earnings coverage of net charge-offs (x) | 9.8077% | 2,244 |
| Efficiency ratio | 61.4191% | 2,950 |
| Assets per employee ($millions) | 8.2073% | 1,216 |
| Cash dividends to net income (ytd only)* | 23.0139% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 4,128 |
| Loan loss allowance to noncurrent loans | 129.6514% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 1,340 |
| Noncurrent loans to loans | 0.6743% | 1,484 |
| Net loans and leases to total assets | 73.0886% | 741 |
| Net loans and leases to deposits | 82.8169% | 998 |
| Net loans and leases to core deposits | 90.4932% | 952 |
| Total domestic deposits to total assets | 88.2532% | 1,903 |
| Equity capital to assets | 10.4733% | 2,200 |
| Core capital (leverage) ratio | 10.1686% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,204,800 | 1,531 |
| Average earning assets | $528,598,800 | 1,521 |
| Average equity | $57,805,800 | 1,567 |
| Average total loans | $446,399,600 | 1,269 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 610 |
| Cost of funding earning assets | 0.2790% | 2,809 |
| Net interest margin | 4.2766% | 476 |
| Noninterest income to average assets | 0.4936% | 2,652 |
| Noninterest expense to average assets | 2.6693% | 1,665 |
| Loan and lease loss provision to assets | -0.0589% | 4,487 |
| Net operating income to assets | 1.5024% | 1,271 |
| Return on assets (ROA) | 1.5314% | 1,239 |
| Pretax return on assets | 1.9281% | 901 |
| Return on Equity (ROE) | 15.0009% | 1,138 |
| Retained earnings to average equity (ytd only) | 11.8150% | 874 |
| Net charge-offs to loans | 0.2912% | 277 |
| Credit loss provision to net charge-offs | -25.1016% | 3,097 |
| Earnings coverage of net charge-offs (x) | 7.7978% | 2,122 |
| Efficiency ratio | 59.2966% | 3,090 |
| Assets per employee ($millions) | 7.8695% | 1,328 |
| Cash dividends to net income (ytd only)* | 21.2381% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 3,986 |
| Loan loss allowance to noncurrent loans | 149.5225% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 1,509 |
| Noncurrent loans to loans | 0.6404% | 1,706 |
| Net loans and leases to total assets | 78.2548% | 385 |
| Net loans and leases to deposits | 88.8321% | 667 |
| Net loans and leases to core deposits | 97.7835% | 666 |
| Total domestic deposits to total assets | 88.0929% | 1,786 |
| Equity capital to assets | 10.6453% | 2,326 |
| Core capital (leverage) ratio | 10.0278% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $558,326,250 | 1,560 |
| Average earning assets | $523,274,750 | 1,547 |
| Average equity | $56,999,750 | 1,602 |
| Average total loans | $450,585,250 | 1,285 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 614 |
| Cost of funding earning assets | 0.3003% | 2,774 |
| Net interest margin | 4.3089% | 487 |
| Noninterest income to average assets | 0.4762% | 2,730 |
| Noninterest expense to average assets | 2.6364% | 1,757 |
| Loan and lease loss provision to assets | -0.0401% | 4,492 |
| Net operating income to assets | 1.5272% | 1,226 |
| Return on assets (ROA) | 1.5192% | 1,309 |
| Pretax return on assets | 1.9054% | 1,009 |
| Return on Equity (ROE) | 15.0961% | 1,129 |
| Retained earnings to average equity (ytd only) | 11.2901% | 1,060 |
| Net charge-offs to loans | 0.3536% | 241 |
| Credit loss provision to net charge-offs | -13.9651% | 2,909 |
| Earnings coverage of net charge-offs (x) | 6.5262% | 1,953 |
| Efficiency ratio | 58.4339% | 3,225 |
| Assets per employee ($millions) | 7.7428% | 1,332 |
| Cash dividends to net income (ytd only)* | 25.2123% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,768 |
| Loan loss allowance to noncurrent loans | 143.5250% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 1,489 |
| Noncurrent loans to loans | 0.7078% | 1,670 |
| Net loans and leases to total assets | 78.3341% | 420 |
| Net loans and leases to deposits | 88.5144% | 749 |
| Net loans and leases to core deposits | 97.3266% | 749 |
| Total domestic deposits to total assets | 88.4987% | 1,563 |
| Equity capital to assets | 10.2290% | 2,638 |
| Core capital (leverage) ratio | 9.5251% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $558,190,000 | 1,552 |
| Average earning assets | $522,778,333 | 1,541 |
| Average equity | $56,173,333 | 1,615 |
| Average total loans | $453,625,667 | 1,280 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 459 |
| Cost of funding earning assets | 0.3260% | 2,742 |
| Net interest margin | 4.5165% | 345 |
| Noninterest income to average assets | 0.4839% | 2,679 |
| Noninterest expense to average assets | 2.6884% | 1,646 |
| Loan and lease loss provision to assets | -0.0808% | 4,696 |
| Net operating income to assets | 1.6477% | 1,022 |
| Return on assets (ROA) | 1.6421% | 1,088 |
| Pretax return on assets | 2.0755% | 836 |
| Return on Equity (ROE) | 16.4548% | 936 |
| Retained earnings to average equity (ytd only) | 13.8172% | 777 |
| Net charge-offs to loans | 0.0841% | 773 |
| Credit loss provision to net charge-offs | -116.6667% | 2,855 |
| Earnings coverage of net charge-offs (x) | 28.9167% | 1,109 |
| Efficiency ratio | 57.3186% | 3,389 |
| Assets per employee ($millions) | 8.0663% | 1,172 |
| Cash dividends to net income (ytd only)* | 16.0299% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 3,278 |
| Loan loss allowance to noncurrent loans | 146.3619% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 1,515 |
| Noncurrent loans to loans | 0.7748% | 1,690 |
| Net loans and leases to total assets | 79.9251% | 340 |
| Net loans and leases to deposits | 90.9189% | 650 |
| Net loans and leases to core deposits | 100.9352% | 677 |
| Total domestic deposits to total assets | 87.9081% | 1,890 |
| Equity capital to assets | 9.7885% | 2,910 |
| Core capital (leverage) ratio | 9.5575% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $554,672,500 | 1,548 |
| Average earning assets | $516,591,500 | 1,544 |
| Average equity | $55,351,500 | 1,623 |
| Average total loans | $456,784,500 | 1,273 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 1,153 |
| Cost of funding earning assets | 0.7255% | 1,586 |
| Net interest margin | 3.8455% | 1,371 |
| Noninterest income to average assets | 0.6105% | 2,183 |
| Noninterest expense to average assets | 2.7015% | 2,234 |
| Loan and lease loss provision to assets | 0.5307% | 433 |
| Net operating income to assets | 0.7922% | 3,125 |
| Return on assets (ROA) | 0.7831% | 3,279 |
| Pretax return on assets | 0.9619% | 3,171 |
| Return on Equity (ROE) | 7.7177% | 2,919 |
| Retained earnings to average equity (ytd only) | 3.6417% | 3,016 |
| Net charge-offs to loans | 0.0403% | 2,255 |
| Credit loss provision to net charge-offs | 1,587.2832% | 525 |
| Earnings coverage of net charge-offs (x) | 44.9769% | 1,292 |
| Efficiency ratio | 64.2401% | 2,779 |
| Assets per employee ($millions) | 7.5583% | 1,243 |
| Cash dividends to net income (ytd only)* | 52.8134% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 2,883 |
| Loan loss allowance to noncurrent loans | 157.9740% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 1,633 |
| Noncurrent loans to loans | 0.7668% | 1,794 |
| Net loans and leases to total assets | 82.9469% | 232 |
| Net loans and leases to deposits | 95.4240% | 578 |
| Net loans and leases to core deposits | 106.9557% | 607 |
| Total domestic deposits to total assets | 86.9246% | 1,977 |
| Equity capital to assets | 10.1826% | 2,950 |
| Core capital (leverage) ratio | 9.3742% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $517,415,400 | 1,498 |
| Average earning assets | $483,680,400 | 1,499 |
| Average equity | $52,502,600 | 1,614 |
| Average total loans | $429,709,000 | 1,273 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 1,336 |
| Cost of funding earning assets | 0.8019% | 1,487 |
| Net interest margin | 3.7882% | 1,653 |
| Noninterest income to average assets | 0.6529% | 1,976 |
| Noninterest expense to average assets | 2.6959% | 2,274 |
| Loan and lease loss provision to assets | 0.5843% | 439 |
| Net operating income to assets | 0.7397% | 3,322 |
| Return on assets (ROA) | 0.7285% | 3,456 |
| Pretax return on assets | 0.9002% | 3,382 |
| Return on Equity (ROE) | 7.1864% | 3,127 |
| Retained earnings to average equity (ytd only) | 3.3482% | 3,377 |
| Net charge-offs to loans | 0.0079% | 2,839 |
| Credit loss provision to net charge-offs | 8,984.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 230.4000% | 449 |
| Efficiency ratio | 64.2791% | 2,691 |
| Assets per employee ($millions) | 8.2685% | 914 |
| Cash dividends to net income (ytd only)* | 53.4095% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,062 |
| Loan loss allowance to noncurrent loans | 144.1152% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 1,792 |
| Noncurrent loans to loans | 0.7812% | 1,868 |
| Net loans and leases to total assets | 82.1712% | 418 |
| Net loans and leases to deposits | 94.5424% | 878 |
| Net loans and leases to core deposits | 106.1396% | 843 |
| Total domestic deposits to total assets | 86.9146% | 1,709 |
| Equity capital to assets | 9.8160% | 3,410 |
| Core capital (leverage) ratio | 9.2217% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $512,609,000 | 1,491 |
| Average earning assets | $479,195,250 | 1,485 |
| Average equity | $51,967,250 | 1,618 |
| Average total loans | $424,490,000 | 1,279 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,594 |
| Cost of funding earning assets | 0.8854% | 1,439 |
| Net interest margin | 3.7388% | 2,031 |
| Noninterest income to average assets | 0.6436% | 1,961 |
| Noninterest expense to average assets | 2.6752% | 2,456 |
| Loan and lease loss provision to assets | 0.6496% | 450 |
| Net operating income to assets | 0.6623% | 3,541 |
| Return on assets (ROA) | 0.6623% | 3,629 |
| Pretax return on assets | 0.8178% | 3,540 |
| Return on Equity (ROE) | 6.4588% | 3,344 |
| Retained earnings to average equity (ytd only) | 2.0726% | 3,724 |
| Net charge-offs to loans | 0.0048% | 2,799 |
| Credit loss provision to net charge-offs | 16,290.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 368.0000% | 280 |
| Efficiency ratio | 64.5779% | 2,732 |
| Assets per employee ($millions) | 8.5008% | 807 |
| Cash dividends to net income (ytd only)* | 67.9109% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,597 |
| Loan loss allowance to noncurrent loans | 75,083.3333% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,598 |
| Noncurrent loans to loans | 0.0013% | 4,531 |
| Net loans and leases to total assets | 82.3002% | 395 |
| Net loans and leases to deposits | 94.5542% | 907 |
| Net loans and leases to core deposits | 112.2426% | 657 |
| Total domestic deposits to total assets | 87.0402% | 1,600 |
| Equity capital to assets | 9.6752% | 3,505 |
| Core capital (leverage) ratio | 9.6430% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $501,570,667 | 1,491 |
| Average earning assets | $469,401,000 | 1,484 |
| Average equity | $51,433,667 | 1,628 |
| Average total loans | $414,808,667 | 1,291 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 1,718 |
| Cost of funding earning assets | 1.0132% | 1,365 |
| Net interest margin | 3.6835% | 2,381 |
| Noninterest income to average assets | 0.5563% | 2,242 |
| Noninterest expense to average assets | 2.7731% | 2,508 |
| Loan and lease loss provision to assets | 0.9493% | 229 |
| Net operating income to assets | 0.2607% | 4,431 |
| Return on assets (ROA) | 0.2607% | 4,453 |
| Pretax return on assets | 0.2881% | 4,473 |
| Return on Equity (ROE) | 2.4630% | 4,351 |
| Retained earnings to average equity (ytd only) | -3.2972% | 4,381 |
| Net charge-offs to loans | 0.0091% | 2,235 |
| Credit loss provision to net charge-offs | 12,666.6667% | 60 |
| Earnings coverage of net charge-offs (x) | 165.1111% | 397 |
| Efficiency ratio | 69.1445% | 2,492 |
| Assets per employee ($millions) | 7.5188% | 885 |
| Cash dividends to net income (ytd only)* | 233.8658% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,737 |
| Loan loss allowance to noncurrent loans | 105.1860% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 1,736 |
| Noncurrent loans to loans | 0.9469% | 1,736 |
| Net loans and leases to total assets | 81.6842% | 473 |
| Net loans and leases to deposits | 96.4699% | 862 |
| Net loans and leases to core deposits | 108.3041% | 936 |
| Total domestic deposits to total assets | 84.6733% | 2,535 |
| Equity capital to assets | 10.3885% | 3,432 |
| Core capital (leverage) ratio | 10.1199% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $480,330,500 | 1,509 |
| Average earning assets | $450,436,000 | 1,491 |
| Average equity | $50,831,500 | 1,639 |
| Average total loans | $396,083,000 | 1,301 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 1,386 |
| Cost of funding earning assets | 1.1050% | 1,301 |
| Net interest margin | 3.9301% | 2,070 |
| Noninterest income to average assets | 0.6361% | 2,066 |
| Noninterest expense to average assets | 3.0139% | 1,984 |
| Loan and lease loss provision to assets | 0.0398% | 3,219 |
| Net operating income to assets | 1.0124% | 2,807 |
| Return on assets (ROA) | 1.0410% | 2,786 |
| Pretax return on assets | 1.2811% | 2,567 |
| Return on Equity (ROE) | 10.0027% | 2,297 |
| Retained earnings to average equity (ytd only) | 6.9444% | 1,412 |
| Net charge-offs to loans | 0.1694% | 1,196 |
| Credit loss provision to net charge-offs | 28.5935% | 3,279 |
| Earnings coverage of net charge-offs (x) | 9.2272% | 2,690 |
| Efficiency ratio | 70.0977% | 2,155 |
| Assets per employee ($millions) | 6.7420% | 1,155 |
| Cash dividends to net income (ytd only)* | 30.5751% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 4,478 |
| Loan loss allowance to noncurrent loans | 74.5929% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 1,574 |
| Noncurrent loans to loans | 0.9947% | 1,528 |
| Net loans and leases to total assets | 81.8019% | 575 |
| Net loans and leases to deposits | 96.7190% | 867 |
| Net loans and leases to core deposits | 109.1013% | 904 |
| Total domestic deposits to total assets | 84.5769% | 2,652 |
| Equity capital to assets | 10.7836% | 3,199 |
| Core capital (leverage) ratio | 10.2870% | 3,202 |
| Tier 1 risk-based capital ratio | 12.4881% | 4,076 |
| Total risk-based capital ratio | 13.2301% | 4,248 |
| Memoranda: | ||
| Average total assets | $464,356,000 | 1,511 |
| Average earning assets | $432,838,000 | 1,493 |
| Average equity | $48,326,800 | 1,651 |
| Average total loans | $382,020,400 | 1,318 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0790% | 1,329 |
| Cost of funding earning assets | 1.1130% | 1,297 |
| Net interest margin | 3.9661% | 2,056 |
| Noninterest income to average assets | 0.6126% | 2,135 |
| Noninterest expense to average assets | 2.9883% | 2,013 |
| Loan and lease loss provision to assets | 0.0533% | 2,845 |
| Net operating income to assets | 1.0201% | 2,910 |
| Return on assets (ROA) | 1.0546% | 2,850 |
| Pretax return on assets | 1.3000% | 2,669 |
| Return on Equity (ROE) | 10.2279% | 2,339 |
| Retained earnings to average equity (ytd only) | 7.2361% | 1,742 |
| Net charge-offs to loans | 0.1252% | 1,262 |
| Credit loss provision to net charge-offs | 51.8207% | 2,773 |
| Earnings coverage of net charge-offs (x) | 12.7338% | 2,338 |
| Efficiency ratio | 69.5124% | 2,188 |
| Assets per employee ($millions) | 7.0732% | 999 |
| Cash dividends to net income (ytd only)* | 29.2509% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 4,361 |
| Loan loss allowance to noncurrent loans | 82.4247% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.9721% | 1,388 |
| Noncurrent loans to loans | 0.9925% | 1,612 |
| Net loans and leases to total assets | 82.4610% | 508 |
| Net loans and leases to deposits | 97.8073% | 839 |
| Net loans and leases to core deposits | 111.3753% | 879 |
| Total domestic deposits to total assets | 84.3096% | 2,709 |
| Equity capital to assets | 10.7119% | 3,371 |
| Core capital (leverage) ratio | 10.2816% | 3,323 |
| Tier 1 risk-based capital ratio | 12.2640% | 4,273 |
| Total risk-based capital ratio | 13.0808% | 4,387 |
| Memoranda: | ||
| Average total assets | $462,460,000 | 1,527 |
| Average earning assets | $429,835,250 | 1,519 |
| Average equity | $47,685,500 | 1,673 |
| Average total loans | $380,290,000 | 1,332 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 1,566 |
| Cost of funding earning assets | 1.0992% | 1,308 |
| Net interest margin | 3.8703% | 2,341 |
| Noninterest income to average assets | 0.5592% | 2,346 |
| Noninterest expense to average assets | 2.9826% | 2,048 |
| Loan and lease loss provision to assets | 0.0803% | 2,227 |
| Net operating income to assets | 0.9413% | 3,125 |
| Return on assets (ROA) | 0.9961% | 3,001 |
| Pretax return on assets | 1.2217% | 2,839 |
| Return on Equity (ROE) | 9.7885% | 2,488 |
| Retained earnings to average equity (ytd only) | 6.7531% | 1,925 |
| Net charge-offs to loans | 0.2468% | 686 |
| Credit loss provision to net charge-offs | 39.6996% | 2,537 |
| Earnings coverage of net charge-offs (x) | 6.1094% | 2,597 |
| Efficiency ratio | 70.7159% | 2,116 |
| Assets per employee ($millions) | 7.0453% | 979 |
| Cash dividends to net income (ytd only)* | 31.0105% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 4,440 |
| Loan loss allowance to noncurrent loans | 183.8129% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 2,520 |
| Noncurrent loans to loans | 0.4352% | 2,974 |
| Net loans and leases to total assets | 81.7656% | 646 |
| Net loans and leases to deposits | 96.5708% | 974 |
| Net loans and leases to core deposits | 107.9393% | 1,105 |
| Total domestic deposits to total assets | 84.6691% | 2,612 |
| Equity capital to assets | 10.4211% | 3,589 |
| Core capital (leverage) ratio | 9.9596% | 3,627 |
| Tier 1 risk-based capital ratio | 12.0323% | 4,395 |
| Total risk-based capital ratio | 12.8253% | 4,540 |
| Memoranda: | ||
| Average total assets | $461,004,000 | 1,531 |
| Average earning assets | $435,778,670 | 1,506 |
| Average equity | $46,912,000 | 1,688 |
| Average total loans | $377,678,000 | 1,341 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 1,570 |
| Cost of funding earning assets | 1.0930% | 1,207 |
| Net interest margin | 3.8136% | 2,476 |
| Noninterest income to average assets | 0.5246% | 2,413 |
| Noninterest expense to average assets | 2.9202% | 2,222 |
| Loan and lease loss provision to assets | -0.0349% | 5,243 |
| Net operating income to assets | 1.0115% | 2,801 |
| Return on assets (ROA) | 1.0065% | 2,858 |
| Pretax return on assets | 1.2392% | 2,666 |
| Return on Equity (ROE) | 10.0131% | 2,366 |
| Retained earnings to average equity (ytd only) | 6.9875% | 2,050 |
| Net charge-offs to loans | 0.0235% | 1,978 |
| Credit loss provision to net charge-offs | -181.8182% | 3,613 |
| Earnings coverage of net charge-offs (x) | 63.1364% | 891 |
| Efficiency ratio | 70.6962% | 2,241 |
| Assets per employee ($millions) | 7.0945% | 961 |
| Cash dividends to net income (ytd only)* | 30.2165% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,272 |
| Loan loss allowance to noncurrent loans | 124.2906% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 2,378 |
| Noncurrent loans to loans | 0.6995% | 2,273 |
| Net loans and leases to total assets | 79.9966% | 835 |
| Net loans and leases to deposits | 94.0810% | 1,168 |
| Net loans and leases to core deposits | 103.5187% | 1,349 |
| Total domestic deposits to total assets | 85.0296% | 2,672 |
| Equity capital to assets | 10.0503% | 3,775 |
| Core capital (leverage) ratio | 9.8184% | 3,796 |
| Tier 1 risk-based capital ratio | 12.0971% | 4,409 |
| Total risk-based capital ratio | 12.9686% | 4,506 |
| Memoranda: | ||
| Average total assets | $459,011,500 | 1,549 |
| Average earning assets | $434,030,500 | 1,522 |
| Average equity | $46,139,500 | 1,698 |
| Average total loans | $374,883,500 | 1,356 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 1,588 |
| Cost of funding earning assets | 0.8172% | 1,449 |
| Net interest margin | 3.9648% | 2,112 |
| Noninterest income to average assets | 0.7016% | 1,850 |
| Noninterest expense to average assets | 3.1946% | 1,565 |
| Loan and lease loss provision to assets | -0.0221% | 5,136 |
| Net operating income to assets | 1.0459% | 2,823 |
| Return on assets (ROA) | 1.0426% | 2,820 |
| Pretax return on assets | 1.2827% | 2,567 |
| Return on Equity (ROE) | 10.5247% | 2,271 |
| Retained earnings to average equity (ytd only) | 8.2171% | 1,147 |
| Net charge-offs to loans | 0.0268% | 2,879 |
| Credit loss provision to net charge-offs | -101.0526% | 4,398 |
| Earnings coverage of net charge-offs (x) | 57.9474% | 1,043 |
| Efficiency ratio | 71.6383% | 1,953 |
| Assets per employee ($millions) | 6.6145% | 1,161 |
| Cash dividends to net income (ytd only)* | 21.9260% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 4,160 |
| Loan loss allowance to noncurrent loans | 122.4214% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 2,217 |
| Noncurrent loans to loans | 0.7351% | 2,153 |
| Net loans and leases to total assets | 81.9415% | 658 |
| Net loans and leases to deposits | 96.2225% | 1,053 |
| Net loans and leases to core deposits | 104.1189% | 1,403 |
| Total domestic deposits to total assets | 85.1583% | 2,582 |
| Equity capital to assets | 10.0536% | 3,625 |
| Core capital (leverage) ratio | 9.9454% | 3,652 |
| Tier 1 risk-based capital ratio | 12.0246% | 4,417 |
| Total risk-based capital ratio | 12.9257% | 4,521 |
| Memoranda: | ||
| Average total assets | $435,268,200 | 1,574 |
| Average earning assets | $412,526,800 | 1,549 |
| Average equity | $43,117,600 | 1,737 |
| Average total loans | $354,950,800 | 1,385 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 1,615 |
| Cost of funding earning assets | 0.7574% | 1,551 |
| Net interest margin | 3.9638% | 2,076 |
| Noninterest income to average assets | 0.7392% | 1,718 |
| Noninterest expense to average assets | 3.2381% | 1,441 |
| Loan and lease loss provision to assets | 0.0182% | 3,648 |
| Net operating income to assets | 1.0083% | 3,048 |
| Return on assets (ROA) | 1.0045% | 3,077 |
| Pretax return on assets | 1.2368% | 2,863 |
| Return on Equity (ROE) | 10.1801% | 2,545 |
| Retained earnings to average equity (ytd only) | 7.7290% | 1,781 |
| Net charge-offs to loans | -0.0027% | 4,122 |
| Credit loss provision to net charge-offs | -842.8571% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9937% | 1,882 |
| Assets per employee ($millions) | 6.5361% | 1,168 |
| Cash dividends to net income (ytd only)* | 24.0774% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,763 |
| Loan loss allowance to noncurrent loans | 130.2494% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 2,288 |
| Noncurrent loans to loans | 0.7677% | 2,171 |
| Net loans and leases to total assets | 81.4778% | 800 |
| Net loans and leases to deposits | 96.0188% | 1,154 |
| Net loans and leases to core deposits | 102.2672% | 1,587 |
| Total domestic deposits to total assets | 84.8561% | 2,666 |
| Equity capital to assets | 9.9637% | 3,685 |
| Core capital (leverage) ratio | 9.9444% | 3,697 |
| Tier 1 risk-based capital ratio | 11.9709% | 4,517 |
| Total risk-based capital ratio | 12.9639% | 4,548 |
| Memoranda: | ||
| Average total assets | $431,638,500 | 1,600 |
| Average earning assets | $409,293,500 | 1,569 |
| Average equity | $42,592,000 | 1,759 |
| Average total loans | $350,711,250 | 1,401 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 1,649 |
| Cost of funding earning assets | 0.6881% | 1,695 |
| Net interest margin | 3.9586% | 2,006 |
| Noninterest income to average assets | 0.7669% | 1,584 |
| Noninterest expense to average assets | 3.2756% | 1,378 |
| Loan and lease loss provision to assets | 0.0307% | 3,297 |
| Net operating income to assets | 0.9942% | 3,049 |
| Return on assets (ROA) | 0.9927% | 3,059 |
| Pretax return on assets | 1.2166% | 2,888 |
| Return on Equity (ROE) | 10.0935% | 2,523 |
| Retained earnings to average equity (ytd only) | 7.2529% | 1,950 |
| Net charge-offs to loans | -0.0058% | 4,139 |
| Credit loss provision to net charge-offs | -660.0000% | 4,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3914% | 1,934 |
| Assets per employee ($millions) | 6.3159% | 1,261 |
| Cash dividends to net income (ytd only)* | 28.1426% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,742 |
| Loan loss allowance to noncurrent loans | 130.6108% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 2,317 |
| Noncurrent loans to loans | 0.7767% | 2,183 |
| Net loans and leases to total assets | 80.9213% | 870 |
| Net loans and leases to deposits | 95.5601% | 1,188 |
| Net loans and leases to core deposits | 101.2193% | 1,637 |
| Total domestic deposits to total assets | 84.6811% | 2,804 |
| Equity capital to assets | 9.8376% | 3,785 |
| Core capital (leverage) ratio | 9.9589% | 3,621 |
| Tier 1 risk-based capital ratio | 11.8311% | 4,603 |
| Total risk-based capital ratio | 12.8404% | 4,624 |
| Memoranda: | ||
| Average total assets | $429,545,330 | 1,613 |
| Average earning assets | $407,771,000 | 1,578 |
| Average equity | $42,245,000 | 1,780 |
| Average total loans | $347,478,330 | 1,417 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,653 |
| Cost of funding earning assets | 0.6592% | 1,663 |
| Net interest margin | 3.9140% | 1,987 |
| Noninterest income to average assets | 0.8968% | 1,155 |
| Noninterest expense to average assets | 3.3497% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0208% | 2,775 |
| Return on assets (ROA) | 1.0178% | 2,807 |
| Pretax return on assets | 1.2635% | 2,497 |
| Return on Equity (ROE) | 10.3502% | 2,251 |
| Retained earnings to average equity (ytd only) | 7.5456% | 2,024 |
| Net charge-offs to loans | 0.0105% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 150.1111% | 433 |
| Efficiency ratio | 72.5518% | 2,112 |
| Assets per employee ($millions) | 6.3420% | 1,286 |
| Cash dividends to net income (ytd only)* | 27.0968% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,834 |
| Loan loss allowance to noncurrent loans | 126.8968% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 2,352 |
| Noncurrent loans to loans | 0.8049% | 2,199 |
| Net loans and leases to total assets | 80.4856% | 874 |
| Net loans and leases to deposits | 93.6052% | 1,264 |
| Net loans and leases to core deposits | 107.0584% | 1,173 |
| Total domestic deposits to total assets | 85.9841% | 2,542 |
| Equity capital to assets | 9.8746% | 3,726 |
| Core capital (leverage) ratio | 9.7723% | 3,782 |
| Tier 1 risk-based capital ratio | 11.9869% | 4,551 |
| Total risk-based capital ratio | 13.0067% | 4,587 |
| Memoranda: | ||
| Average total assets | $426,420,000 | 1,630 |
| Average earning assets | $405,315,000 | 1,600 |
| Average equity | $41,931,500 | 1,799 |
| Average total loans | $343,084,500 | 1,429 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 1,723 |
| Cost of funding earning assets | 0.5609% | 1,879 |
| Net interest margin | 3.9330% | 1,979 |
| Noninterest income to average assets | 0.6866% | 2,024 |
| Noninterest expense to average assets | 3.2141% | 1,577 |
| Loan and lease loss provision to assets | -0.0148% | 5,319 |
| Net operating income to assets | 0.8130% | 3,104 |
| Return on assets (ROA) | 0.8158% | 3,132 |
| Pretax return on assets | 1.2177% | 2,701 |
| Return on Equity (ROE) | 8.2347% | 2,681 |
| Retained earnings to average equity (ytd only) | 4.6463% | 2,359 |
| Net charge-offs to loans | 0.0247% | 3,315 |
| Credit loss provision to net charge-offs | -75.0000% | 4,681 |
| Earnings coverage of net charge-offs (x) | 60.9125% | 948 |
| Efficiency ratio | 72.8342% | 2,092 |
| Assets per employee ($millions) | 6.3869% | 1,274 |
| Cash dividends to net income (ytd only)* | 43.5766% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,692 |
| Loan loss allowance to noncurrent loans | 125.8179% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 2,351 |
| Noncurrent loans to loans | 0.8255% | 2,156 |
| Net loans and leases to total assets | 78.7770% | 1,165 |
| Net loans and leases to deposits | 92.8853% | 1,398 |
| Net loans and leases to core deposits | 106.3856% | 1,241 |
| Total domestic deposits to total assets | 84.8111% | 2,908 |
| Equity capital to assets | 9.7924% | 3,925 |
| Core capital (leverage) ratio | 9.7494% | 3,745 |
| Tier 1 risk-based capital ratio | 11.7835% | 4,670 |
| Total risk-based capital ratio | 12.8056% | 4,711 |
| Memoranda: | ||
| Average total assets | $406,491,800 | 1,681 |
| Average earning assets | $385,127,800 | 1,649 |
| Average equity | $40,268,400 | 1,853 |
| Average total loans | $324,499,400 | 1,466 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 1,736 |
| Cost of funding earning assets | 0.5418% | 1,950 |
| Net interest margin | 3.9247% | 1,951 |
| Noninterest income to average assets | 0.6555% | 2,181 |
| Noninterest expense to average assets | 3.2082% | 1,538 |
| Loan and lease loss provision to assets | -0.0199% | 5,481 |
| Net operating income to assets | 0.8430% | 3,310 |
| Return on assets (ROA) | 0.8376% | 3,380 |
| Pretax return on assets | 1.1750% | 3,005 |
| Return on Equity (ROE) | 8.4294% | 2,915 |
| Retained earnings to average equity (ytd only) | 4.5626% | 3,176 |
| Net charge-offs to loans | 0.0017% | 3,714 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | 875.0244% | 112 |
| Efficiency ratio | 73.3992% | 1,990 |
| Assets per employee ($millions) | 6.6995% | 1,067 |
| Cash dividends to net income (ytd only)* | 45.8728% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,608 |
| Loan loss allowance to noncurrent loans | 122.1771% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 2,371 |
| Noncurrent loans to loans | 0.8833% | 2,165 |
| Net loans and leases to total assets | 79.7535% | 1,020 |
| Net loans and leases to deposits | 94.4570% | 1,249 |
| Net loans and leases to core deposits | 108.1037% | 1,131 |
| Total domestic deposits to total assets | 84.4337% | 2,947 |
| Equity capital to assets | 9.9213% | 4,009 |
| Core capital (leverage) ratio | 9.7390% | 3,893 |
| Tier 1 risk-based capital ratio | 11.7841% | 4,782 |
| Total risk-based capital ratio | 12.8467% | 4,774 |
| Memoranda: | ||
| Average total assets | $401,134,000 | 1,712 |
| Average earning assets | $379,736,750 | 1,681 |
| Average equity | $39,859,500 | 1,879 |
| Average total loans | $320,463,500 | 1,489 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3814% | 1,875 |
| Cost of funding earning assets | 0.5174% | 2,034 |
| Net interest margin | 3.8639% | 2,047 |
| Noninterest income to average assets | 0.6468% | 2,221 |
| Noninterest expense to average assets | 3.1641% | 1,673 |
| Loan and lease loss provision to assets | -0.0101% | 5,547 |
| Net operating income to assets | 0.8194% | 3,300 |
| Return on assets (ROA) | 0.8133% | 3,394 |
| Pretax return on assets | 1.1428% | 3,001 |
| Return on Equity (ROE) | 8.1808% | 2,924 |
| Retained earnings to average equity (ytd only) | 3.7859% | 3,433 |
| Net charge-offs to loans | 0.0025% | 3,416 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | 565.5000% | 148 |
| Efficiency ratio | 73.4912% | 2,097 |
| Assets per employee ($millions) | 6.4959% | 1,160 |
| Cash dividends to net income (ytd only)* | 53.7221% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,460 |
| Loan loss allowance to noncurrent loans | 122.8648% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 2,385 |
| Noncurrent loans to loans | 0.9131% | 2,145 |
| Net loans and leases to total assets | 78.6922% | 1,136 |
| Net loans and leases to deposits | 94.1710% | 1,244 |
| Net loans and leases to core deposits | 106.9889% | 1,162 |
| Total domestic deposits to total assets | 83.5631% | 3,381 |
| Equity capital to assets | 9.8511% | 4,090 |
| Core capital (leverage) ratio | 9.8582% | 3,705 |
| Tier 1 risk-based capital ratio | 11.9834% | 4,644 |
| Total risk-based capital ratio | 13.0972% | 4,623 |
| Memoranda: | ||
| Average total assets | $396,388,330 | 1,734 |
| Average earning assets | $375,317,670 | 1,700 |
| Average equity | $39,409,330 | 1,898 |
| Average total loans | $315,655,670 | 1,503 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 1,924 |
| Cost of funding earning assets | 0.5095% | 2,011 |
| Net interest margin | 3.8026% | 2,105 |
| Noninterest income to average assets | 0.6001% | 2,415 |
| Noninterest expense to average assets | 3.0977% | 1,871 |
| Loan and lease loss provision to assets | 0.0667% | 2,470 |
| Net operating income to assets | 0.7577% | 3,441 |
| Return on assets (ROA) | 0.7539% | 3,513 |
| Pretax return on assets | 1.0288% | 3,242 |
| Return on Equity (ROE) | 7.5469% | 3,141 |
| Retained earnings to average equity (ytd only) | 1.6018% | 4,464 |
| Net charge-offs to loans | 0.0064% | 2,750 |
| Credit loss provision to net charge-offs | 1,300.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 214.6000% | 264 |
| Efficiency ratio | 73.7845% | 2,267 |
| Assets per employee ($millions) | 6.4790% | 1,198 |
| Cash dividends to net income (ytd only)* | 78.7755% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 3,214 |
| Loan loss allowance to noncurrent loans | 111.1508% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 2,140 |
| Noncurrent loans to loans | 1.0683% | 1,919 |
| Net loans and leases to total assets | 78.7043% | 1,026 |
| Net loans and leases to deposits | 94.5660% | 1,057 |
| Net loans and leases to core deposits | 108.0540% | 976 |
| Total domestic deposits to total assets | 83.2269% | 3,758 |
| Equity capital to assets | 9.9205% | 3,852 |
| Core capital (leverage) ratio | 10.0136% | 3,477 |
| Tier 1 risk-based capital ratio | 12.2326% | 4,558 |
| Total risk-based capital ratio | 13.4168% | 4,501 |
| Memoranda: | ||
| Average total assets | $389,960,500 | 1,773 |
| Average earning assets | $369,014,000 | 1,737 |
| Average equity | $38,956,500 | 1,921 |
| Average total loans | $310,635,000 | 1,528 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 1,565 |
| Cost of funding earning assets | 0.5640% | 1,577 |
| Net interest margin | 3.9255% | 1,878 |
| Noninterest income to average assets | 0.7203% | 2,078 |
| Noninterest expense to average assets | 3.4287% | 1,295 |
| Loan and lease loss provision to assets | -0.0459% | 5,579 |
| Net operating income to assets | 0.7371% | 3,608 |
| Return on assets (ROA) | 0.7856% | 3,476 |
| Pretax return on assets | 1.1269% | 2,985 |
| Return on Equity (ROE) | 7.5899% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.2172% | 2,907 |
| Net charge-offs to loans | 0.0171% | 3,729 |
| Credit loss provision to net charge-offs | -340.0000% | 5,102 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 751 |
| Efficiency ratio | 77.2161% | 1,809 |
| Assets per employee ($millions) | 6.0109% | 1,479 |
| Cash dividends to net income (ytd only)* | 44.4368% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 3,125 |
| Loan loss allowance to noncurrent loans | 106.4544% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 2,113 |
| Noncurrent loans to loans | 1.1273% | 1,826 |
| Net loans and leases to total assets | 78.7102% | 1,088 |
| Net loans and leases to deposits | 91.7064% | 1,489 |
| Net loans and leases to core deposits | 104.5638% | 1,239 |
| Total domestic deposits to total assets | 85.8284% | 2,664 |
| Equity capital to assets | 10.0611% | 3,662 |
| Core capital (leverage) ratio | 10.0872% | 3,382 |
| Tier 1 risk-based capital ratio | 12.4197% | 4,429 |
| Total risk-based capital ratio | 13.6125% | 4,352 |
| Memoranda: | ||
| Average total assets | $370,661,400 | 1,806 |
| Average earning assets | $351,267,600 | 1,769 |
| Average equity | $38,366,800 | 1,917 |
| Average total loans | $293,194,600 | 1,552 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 1,543 |
| Cost of funding earning assets | 0.5697% | 1,546 |
| Net interest margin | 3.9305% | 1,877 |
| Noninterest income to average assets | 0.7397% | 2,009 |
| Noninterest expense to average assets | 3.4662% | 1,209 |
| Loan and lease loss provision to assets | -0.0545% | 5,726 |
| Net operating income to assets | 0.7327% | 3,684 |
| Return on assets (ROA) | 0.7971% | 3,518 |
| Pretax return on assets | 1.1472% | 3,061 |
| Return on Equity (ROE) | 7.6448% | 3,220 |
| Retained earnings to average equity (ytd only) | 4.1167% | 3,377 |
| Net charge-offs to loans | 0.0156% | 3,415 |
| Credit loss provision to net charge-offs | -441.1765% | 5,045 |
| Earnings coverage of net charge-offs (x) | 80.9451% | 772 |
| Efficiency ratio | 77.6206% | 1,747 |
| Assets per employee ($millions) | 6.0062% | 1,429 |
| Cash dividends to net income (ytd only)* | 46.1503% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 3,020 |
| Loan loss allowance to noncurrent loans | 107.9651% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 2,280 |
| Noncurrent loans to loans | 1.1473% | 1,958 |
| Net loans and leases to total assets | 78.2559% | 1,150 |
| Net loans and leases to deposits | 90.7788% | 1,662 |
| Net loans and leases to core deposits | 103.4897% | 1,380 |
| Total domestic deposits to total assets | 86.2051% | 2,257 |
| Equity capital to assets | 10.3969% | 3,683 |
| Core capital (leverage) ratio | 10.1479% | 3,382 |
| Tier 1 risk-based capital ratio | 12.4813% | 4,494 |
| Total risk-based capital ratio | 13.7118% | 4,393 |
| Memoranda: | ||
| Average total assets | $367,151,750 | 1,825 |
| Average earning assets | $348,041,750 | 1,791 |
| Average equity | $38,282,250 | 1,922 |
| Average total loans | $289,874,250 | 1,569 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 1,502 |
| Cost of funding earning assets | 0.5699% | 1,547 |
| Net interest margin | 3.9325% | 1,873 |
| Noninterest income to average assets | 0.7287% | 2,014 |
| Noninterest expense to average assets | 3.4182% | 1,340 |
| Loan and lease loss provision to assets | -0.0275% | 5,799 |
| Net operating income to assets | 0.7606% | 3,501 |
| Return on assets (ROA) | 0.7578% | 3,660 |
| Pretax return on assets | 1.0633% | 3,348 |
| Return on Equity (ROE) | 7.2609% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.1287% | 3,277 |
| Net charge-offs to loans | 0.0140% | 3,259 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | 94.4500% | 609 |
| Efficiency ratio | 76.6790% | 1,983 |
| Assets per employee ($millions) | 5.8371% | 1,519 |
| Cash dividends to net income (ytd only)* | 43.1373% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,688 |
| Loan loss allowance to noncurrent loans | 127.0495% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 2,542 |
| Noncurrent loans to loans | 1.0373% | 2,207 |
| Net loans and leases to total assets | 77.9444% | 1,217 |
| Net loans and leases to deposits | 88.9835% | 1,871 |
| Net loans and leases to core deposits | 101.7779% | 1,491 |
| Total domestic deposits to total assets | 87.5942% | 1,627 |
| Equity capital to assets | 10.6646% | 3,448 |
| Core capital (leverage) ratio | 10.1115% | 3,435 |
| Tier 1 risk-based capital ratio | 12.7288% | 4,366 |
| Total risk-based capital ratio | 13.9797% | 4,270 |
| Memoranda: | ||
| Average total assets | $363,404,670 | 1,847 |
| Average earning assets | $344,616,330 | 1,805 |
| Average equity | $37,929,330 | 1,943 |
| Average total loans | $286,556,000 | 1,585 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 1,525 |
| Cost of funding earning assets | 0.5590% | 1,631 |
| Net interest margin | 3.9342% | 1,832 |
| Noninterest income to average assets | 0.6588% | 2,225 |
| Noninterest expense to average assets | 3.3917% | 1,396 |
| Loan and lease loss provision to assets | 0.0830% | 2,297 |
| Net operating income to assets | 0.6656% | 3,896 |
| Return on assets (ROA) | 0.6600% | 4,053 |
| Pretax return on assets | 0.9091% | 3,809 |
| Return on Equity (ROE) | 6.3940% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.2185% | 3,892 |
| Net charge-offs to loans | 0.0028% | 3,023 |
| Credit loss provision to net charge-offs | 3,750.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 451.5000% | 127 |
| Efficiency ratio | 77.2315% | 2,000 |
| Assets per employee ($millions) | 5.7808% | 1,597 |
| Cash dividends to net income (ytd only)* | 49.6644% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 2,538 |
| Loan loss allowance to noncurrent loans | 130.9697% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 2,606 |
| Noncurrent loans to loans | 1.0500% | 2,293 |
| Net loans and leases to total assets | 78.1964% | 1,077 |
| Net loans and leases to deposits | 88.4640% | 1,774 |
| Net loans and leases to core deposits | 101.2742% | 1,388 |
| Total domestic deposits to total assets | 88.3935% | 1,412 |
| Equity capital to assets | 10.3717% | 3,655 |
| Core capital (leverage) ratio | 10.0687% | 3,450 |
| Tier 1 risk-based capital ratio | 12.5835% | 4,527 |
| Total risk-based capital ratio | 13.8350% | 4,437 |
| Memoranda: | ||
| Average total assets | $361,237,500 | 1,857 |
| Average earning assets | $342,738,500 | 1,816 |
| Average equity | $37,285,000 | 1,971 |
| Average total loans | $284,604,000 | 1,593 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 1,455 |
| Cost of funding earning assets | 0.5406% | 1,838 |
| Net interest margin | 4.0100% | 1,683 |
| Noninterest income to average assets | 0.6725% | 2,334 |
| Noninterest expense to average assets | 3.5270% | 1,249 |
| Loan and lease loss provision to assets | -0.1223% | 5,885 |
| Net operating income to assets | 0.7342% | 3,652 |
| Return on assets (ROA) | 0.8698% | 3,101 |
| Pretax return on assets | 1.2634% | 2,421 |
| Return on Equity (ROE) | 8.7446% | 2,603 |
| Retained earnings to average equity (ytd only) | 5.3982% | 2,141 |
| Net charge-offs to loans | -0.0511% | 5,557 |
| Credit loss provision to net charge-offs | 306.3380% | 967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8759% | 1,833 |
| Assets per employee ($millions) | 5.5982% | 1,700 |
| Cash dividends to net income (ytd only)* | 38.2676% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 2,475 |
| Loan loss allowance to noncurrent loans | 129.4587% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 2,538 |
| Noncurrent loans to loans | 1.0736% | 2,194 |
| Net loans and leases to total assets | 77.1887% | 1,227 |
| Net loans and leases to deposits | 89.5597% | 1,677 |
| Net loans and leases to core deposits | 103.9302% | 1,225 |
| Total domestic deposits to total assets | 86.1869% | 2,547 |
| Equity capital to assets | 10.2704% | 3,661 |
| Core capital (leverage) ratio | 10.1912% | 3,272 |
| Tier 1 risk-based capital ratio | 12.7530% | 4,476 |
| Total risk-based capital ratio | 14.0046% | 4,378 |
| Memoranda: | ||
| Average total assets | $355,710,200 | 1,841 |
| Average earning assets | $337,004,800 | 1,801 |
| Average equity | $35,382,000 | 2,013 |
| Average total loans | $277,891,200 | 1,577 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 1,411 |
| Cost of funding earning assets | 0.5430% | 1,862 |
| Net interest margin | 4.0272% | 1,615 |
| Noninterest income to average assets | 0.6530% | 2,464 |
| Noninterest expense to average assets | 3.5722% | 1,165 |
| Loan and lease loss provision to assets | -0.1971% | 6,096 |
| Net operating income to assets | 0.7520% | 3,673 |
| Return on assets (ROA) | 0.9331% | 2,884 |
| Pretax return on assets | 1.3560% | 2,194 |
| Return on Equity (ROE) | 9.4588% | 2,325 |
| Retained earnings to average equity (ytd only) | 6.1244% | 2,170 |
| Net charge-offs to loans | -0.0774% | 5,694 |
| Credit loss provision to net charge-offs | 326.0870% | 898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9412% | 1,664 |
| Assets per employee ($millions) | 5.5344% | 1,757 |
| Cash dividends to net income (ytd only)* | 35.2515% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 2,700 |
| Loan loss allowance to noncurrent loans | 126.9320% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 2,650 |
| Noncurrent loans to loans | 1.0866% | 2,311 |
| Net loans and leases to total assets | 78.4793% | 1,028 |
| Net loans and leases to deposits | 89.4544% | 1,717 |
| Net loans and leases to core deposits | 104.2984% | 1,211 |
| Total domestic deposits to total assets | 87.7311% | 1,690 |
| Equity capital to assets | 10.3419% | 3,765 |
| Core capital (leverage) ratio | 10.0203% | 3,597 |
| Tier 1 risk-based capital ratio | 12.7326% | 4,590 |
| Total risk-based capital ratio | 13.9840% | 4,496 |
| Memoranda: | ||
| Average total assets | $355,067,000 | 1,858 |
| Average earning assets | $336,402,000 | 1,818 |
| Average equity | $35,028,250 | 2,054 |
| Average total loans | $277,251,000 | 1,583 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 1,360 |
| Cost of funding earning assets | 0.5437% | 1,871 |
| Net interest margin | 4.0225% | 1,575 |
| Noninterest income to average assets | 0.5896% | 2,801 |
| Noninterest expense to average assets | 3.6125% | 1,107 |
| Loan and lease loss provision to assets | -0.1540% | 6,139 |
| Net operating income to assets | 0.6534% | 4,105 |
| Return on assets (ROA) | 0.9138% | 2,934 |
| Pretax return on assets | 1.3197% | 2,289 |
| Return on Equity (ROE) | 9.4105% | 2,334 |
| Retained earnings to average equity (ytd only) | 6.0430% | 2,221 |
| Net charge-offs to loans | 0.0534% | 2,654 |
| Credit loss provision to net charge-offs | -371.6216% | 5,153 |
| Earnings coverage of net charge-offs (x) | 19.0270% | 1,773 |
| Efficiency ratio | 82.0865% | 1,480 |
| Assets per employee ($millions) | 5.9481% | 1,398 |
| Cash dividends to net income (ytd only)* | 35.7843% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 2,801 |
| Loan loss allowance to noncurrent loans | 99.7404% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 2,305 |
| Noncurrent loans to loans | 1.3959% | 1,932 |
| Net loans and leases to total assets | 76.2458% | 1,332 |
| Net loans and leases to deposits | 86.3304% | 2,020 |
| Net loans and leases to core deposits | 100.0662% | 1,488 |
| Total domestic deposits to total assets | 88.3186% | 1,486 |
| Equity capital to assets | 9.7729% | 4,314 |
| Core capital (leverage) ratio | 9.6789% | 4,030 |
| Tier 1 risk-based capital ratio | 12.6964% | 4,684 |
| Total risk-based capital ratio | 13.9484% | 4,608 |
| Memoranda: | ||
| Average total assets | $357,199,670 | 1,862 |
| Average earning assets | $338,442,670 | 1,814 |
| Average equity | $34,684,670 | 2,077 |
| Average total loans | $277,181,330 | 1,583 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 1,263 |
| Cost of funding earning assets | 0.5574% | 1,779 |
| Net interest margin | 4.0256% | 1,475 |
| Noninterest income to average assets | 0.4589% | 3,584 |
| Noninterest expense to average assets | 3.8124% | 864 |
| Loan and lease loss provision to assets | 0.0280% | 3,320 |
| Net operating income to assets | 0.3038% | 5,399 |
| Return on assets (ROA) | 0.8350% | 3,211 |
| Pretax return on assets | 1.1932% | 2,697 |
| Return on Equity (ROE) | 8.6273% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.2504% | 2,918 |
| Net charge-offs to loans | -0.0864% | 5,790 |
| Credit loss provision to net charge-offs | -41.6667% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1857% | 923 |
| Assets per employee ($millions) | 5.9981% | 1,404 |
| Cash dividends to net income (ytd only)* | 39.1421% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 2,321 |
| Loan loss allowance to noncurrent loans | 83.7938% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 1,773 |
| Noncurrent loans to loans | 1.8269% | 1,477 |
| Net loans and leases to total assets | 76.4286% | 1,148 |
| Net loans and leases to deposits | 86.4459% | 1,779 |
| Net loans and leases to core deposits | 99.9313% | 1,324 |
| Total domestic deposits to total assets | 88.4122% | 1,590 |
| Equity capital to assets | 9.6386% | 4,588 |
| Core capital (leverage) ratio | 9.4404% | 4,366 |
| Tier 1 risk-based capital ratio | 12.4413% | 4,952 |
| Total risk-based capital ratio | 13.6951% | 4,861 |
| Memoranda: | ||
| Average total assets | $357,357,000 | 1,859 |
| Average earning assets | $338,733,500 | 1,813 |
| Average equity | $34,588,000 | 2,095 |
| Average total loans | $277,796,000 | 1,567 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 1,584 |
| Cost of funding earning assets | 0.5087% | 2,581 |
| Net interest margin | 4.0829% | 1,638 |
| Noninterest income to average assets | 0.7733% | 1,977 |
| Noninterest expense to average assets | 3.4749% | 1,542 |
| Loan and lease loss provision to assets | 0.3897% | 466 |
| Net operating income to assets | 0.5584% | 4,568 |
| Return on assets (ROA) | 0.6063% | 4,435 |
| Pretax return on assets | 0.8311% | 4,141 |
| Return on Equity (ROE) | 6.4843% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.0655% | 3,314 |
| Net charge-offs to loans | 0.8239% | 418 |
| Credit loss provision to net charge-offs | 61.6964% | 3,254 |
| Earnings coverage of net charge-offs (x) | 1.8286% | 4,327 |
| Efficiency ratio | 75.0518% | 2,656 |
| Assets per employee ($millions) | 5.7230% | 1,589 |
| Cash dividends to net income (ytd only)* | 37.3023% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 2,400 |
| Loan loss allowance to noncurrent loans | 98.9143% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3209% | 2,131 |
| Noncurrent loans to loans | 1.5337% | 1,913 |
| Net loans and leases to total assets | 76.6763% | 1,171 |
| Net loans and leases to deposits | 86.7307% | 1,881 |
| Net loans and leases to core deposits | 100.3900% | 1,367 |
| Total domestic deposits to total assets | 88.4073% | 1,562 |
| Equity capital to assets | 9.7196% | 4,440 |
| Core capital (leverage) ratio | 9.3132% | 4,521 |
| Tier 1 risk-based capital ratio | 12.0801% | 5,308 |
| Total risk-based capital ratio | 13.3335% | 5,212 |
| Memoranda: | ||
| Average total assets | $354,598,800 | 1,841 |
| Average earning assets | $334,956,200 | 1,793 |
| Average equity | $33,157,000 | 2,099 |
| Average total loans | $271,877,200 | 1,566 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 1,591 |
| Cost of funding earning assets | 0.5046% | 2,710 |
| Net interest margin | 4.0856% | 1,624 |
| Noninterest income to average assets | 0.7965% | 1,906 |
| Noninterest expense to average assets | 3.4602% | 1,551 |
| Loan and lease loss provision to assets | 0.4362% | 364 |
| Net operating income to assets | 0.5603% | 4,632 |
| Return on assets (ROA) | 0.5964% | 4,546 |
| Pretax return on assets | 0.8067% | 4,341 |
| Return on Equity (ROE) | 6.4422% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.1351% | 3,716 |
| Net charge-offs to loans | 0.8897% | 370 |
| Credit loss provision to net charge-offs | 64.1948% | 2,873 |
| Earnings coverage of net charge-offs (x) | 1.7571% | 4,084 |
| Efficiency ratio | 74.3455% | 2,768 |
| Assets per employee ($millions) | 5.5940% | 1,643 |
| Cash dividends to net income (ytd only)* | 35.8132% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 2,318 |
| Loan loss allowance to noncurrent loans | 93.1049% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.4561% | 2,119 |
| Noncurrent loans to loans | 1.7133% | 1,898 |
| Net loans and leases to total assets | 75.8500% | 1,244 |
| Net loans and leases to deposits | 85.4794% | 1,970 |
| Net loans and leases to core deposits | 98.9859% | 1,451 |
| Total domestic deposits to total assets | 88.7349% | 1,382 |
| Equity capital to assets | 9.4794% | 4,816 |
| Core capital (leverage) ratio | 9.2175% | 4,754 |
| Tier 1 risk-based capital ratio | 12.1889% | 5,375 |
| Total risk-based capital ratio | 13.4437% | 5,290 |
| Memoranda: | ||
| Average total assets | $354,541,500 | 1,854 |
| Average earning assets | $334,757,000 | 1,807 |
| Average equity | $32,824,250 | 2,126 |
| Average total loans | $270,781,500 | 1,582 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 1,579 |
| Cost of funding earning assets | 0.5026% | 2,809 |
| Net interest margin | 4.0795% | 1,575 |
| Noninterest income to average assets | 0.8286% | 1,741 |
| Noninterest expense to average assets | 3.4920% | 1,490 |
| Loan and lease loss provision to assets | 0.4584% | 343 |
| Net operating income to assets | 0.5494% | 4,605 |
| Return on assets (ROA) | 0.5829% | 4,536 |
| Pretax return on assets | 0.7720% | 4,377 |
| Return on Equity (ROE) | 6.3476% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.1475% | 3,536 |
| Net charge-offs to loans | 0.7366% | 516 |
| Credit loss provision to net charge-offs | 81.7356% | 2,307 |
| Earnings coverage of net charge-offs (x) | 2.1150% | 3,632 |
| Efficiency ratio | 74.6431% | 2,867 |
| Assets per employee ($millions) | 5.7409% | 1,486 |
| Cash dividends to net income (ytd only)* | 34.6602% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 1,861 |
| Loan loss allowance to noncurrent loans | 93.3282% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.6045% | 2,042 |
| Noncurrent loans to loans | 1.9199% | 1,776 |
| Net loans and leases to total assets | 74.9599% | 1,314 |
| Net loans and leases to deposits | 83.7181% | 2,060 |
| Net loans and leases to core deposits | 96.2365% | 1,584 |
| Total domestic deposits to total assets | 89.5385% | 1,060 |
| Equity capital to assets | 9.3175% | 4,962 |
| Core capital (leverage) ratio | 9.0962% | 4,878 |
| Tier 1 risk-based capital ratio | 12.0527% | 5,512 |
| Total risk-based capital ratio | 13.3100% | 5,440 |
| Memoranda: | ||
| Average total assets | $353,383,000 | 1,858 |
| Average earning assets | $333,473,670 | 1,808 |
| Average equity | $32,453,000 | 2,138 |
| Average total loans | $269,056,000 | 1,586 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 1,615 |
| Cost of funding earning assets | 0.4999% | 2,912 |
| Net interest margin | 4.0595% | 1,576 |
| Noninterest income to average assets | 0.8884% | 1,435 |
| Noninterest expense to average assets | 3.5830% | 1,336 |
| Loan and lease loss provision to assets | 0.5226% | 274 |
| Net operating income to assets | 0.4685% | 4,851 |
| Return on assets (ROA) | 0.4930% | 4,801 |
| Pretax return on assets | 0.6430% | 4,688 |
| Return on Equity (ROE) | 5.4085% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.7261% | 3,896 |
| Net charge-offs to loans | 0.5692% | 648 |
| Credit loss provision to net charge-offs | 120.7349% | 1,451 |
| Earnings coverage of net charge-offs (x) | 2.6194% | 2,837 |
| Efficiency ratio | 75.9634% | 2,812 |
| Assets per employee ($millions) | 5.1593% | 2,053 |
| Cash dividends to net income (ytd only)* | 31.1060% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 1,737 |
| Loan loss allowance to noncurrent loans | 79.6644% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 2.0498% | 1,652 |
| Noncurrent loans to loans | 2.3923% | 1,470 |
| Net loans and leases to total assets | 74.1453% | 1,245 |
| Net loans and leases to deposits | 82.6225% | 1,988 |
| Net loans and leases to core deposits | 94.8976% | 1,476 |
| Total domestic deposits to total assets | 89.7399% | 1,217 |
| Equity capital to assets | 9.1466% | 4,943 |
| Core capital (leverage) ratio | 9.0761% | 4,899 |
| Tier 1 risk-based capital ratio | 12.2406% | 5,480 |
| Total risk-based capital ratio | 13.4999% | 5,406 |
| Memoranda: | ||
| Average total assets | $352,108,000 | 1,864 |
| Average earning assets | $332,064,000 | 1,817 |
| Average equity | $32,097,500 | 2,147 |
| Average total loans | $267,746,500 | 1,592 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 1,632 |
| Cost of funding earning assets | 0.5155% | 3,447 |
| Net interest margin | 4.1610% | 1,470 |
| Noninterest income to average assets | 0.8254% | 1,963 |
| Noninterest expense to average assets | 3.6996% | 1,283 |
| Loan and lease loss provision to assets | 0.4722% | 600 |
| Net operating income to assets | 0.3857% | 5,189 |
| Return on assets (ROA) | 0.4048% | 5,239 |
| Pretax return on assets | 0.5832% | 4,920 |
| Return on Equity (ROE) | 4.4284% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.7189% | 4,305 |
| Net charge-offs to loans | 0.7930% | 795 |
| Credit loss provision to net charge-offs | 78.4107% | 3,086 |
| Earnings coverage of net charge-offs (x) | 1.7066% | 4,483 |
| Efficiency ratio | 78.2595% | 2,428 |
| Assets per employee ($millions) | 5.0468% | 2,133 |
| Cash dividends to net income (ytd only)* | 38.6040% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 1,793 |
| Loan loss allowance to noncurrent loans | 74.3484% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.2405% | 1,587 |
| Noncurrent loans to loans | 2.5490% | 1,474 |
| Net loans and leases to total assets | 75.0565% | 1,213 |
| Net loans and leases to deposits | 83.3079% | 2,022 |
| Net loans and leases to core deposits | 96.2812% | 1,428 |
| Total domestic deposits to total assets | 90.0953% | 1,028 |
| Equity capital to assets | 9.0843% | 4,940 |
| Core capital (leverage) ratio | 9.0088% | 4,990 |
| Tier 1 risk-based capital ratio | 12.1662% | 5,517 |
| Total risk-based capital ratio | 13.4249% | 5,444 |
| Memoranda: | ||
| Average total assets | $346,875,200 | 1,861 |
| Average earning assets | $325,286,000 | 1,822 |
| Average equity | $31,704,200 | 2,146 |
| Average total loans | $263,424,800 | 1,578 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6751% | 1,665 |
| Cost of funding earning assets | 0.5139% | 3,630 |
| Net interest margin | 4.1612% | 1,453 |
| Noninterest income to average assets | 0.8207% | 2,053 |
| Noninterest expense to average assets | 3.7105% | 1,229 |
| Loan and lease loss provision to assets | 0.4921% | 562 |
| Net operating income to assets | 0.3468% | 5,444 |
| Return on assets (ROA) | 0.3540% | 5,554 |
| Pretax return on assets | 0.5263% | 5,279 |
| Return on Equity (ROE) | 3.8669% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.1562% | 5,020 |
| Net charge-offs to loans | 0.6411% | 955 |
| Credit loss provision to net charge-offs | 101.2668% | 2,312 |
| Earnings coverage of net charge-offs (x) | 2.0736% | 4,143 |
| Efficiency ratio | 78.6431% | 2,318 |
| Assets per employee ($millions) | 5.1568% | 1,980 |
| Cash dividends to net income (ytd only)* | 44.2387% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 1,559 |
| Loan loss allowance to noncurrent loans | 75.6445% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.2959% | 1,717 |
| Noncurrent loans to loans | 2.7437% | 1,533 |
| Net loans and leases to total assets | 74.2183% | 1,260 |
| Net loans and leases to deposits | 82.2699% | 2,109 |
| Net loans and leases to core deposits | 95.8960% | 1,401 |
| Total domestic deposits to total assets | 90.2131% | 889 |
| Equity capital to assets | 8.9744% | 5,217 |
| Core capital (leverage) ratio | 9.0420% | 5,064 |
| Tier 1 risk-based capital ratio | 12.2218% | 5,625 |
| Total risk-based capital ratio | 13.4824% | 5,553 |
| Memoranda: | ||
| Average total assets | $346,537,250 | 1,875 |
| Average earning assets | $324,576,250 | 1,840 |
| Average equity | $31,721,750 | 2,165 |
| Average total loans | $262,677,000 | 1,589 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 2,002 |
| Cost of funding earning assets | 0.5258% | 3,644 |
| Net interest margin | 4.0329% | 1,753 |
| Noninterest income to average assets | 0.8286% | 2,071 |
| Noninterest expense to average assets | 3.8509% | 1,037 |
| Loan and lease loss provision to assets | 0.4126% | 740 |
| Net operating income to assets | 0.2519% | 5,772 |
| Return on assets (ROA) | 0.2752% | 5,828 |
| Pretax return on assets | 0.3645% | 5,721 |
| Return on Equity (ROE) | 2.9869% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.2828% | 5,383 |
| Net charge-offs to loans | 0.5748% | 1,151 |
| Credit loss provision to net charge-offs | 94.6809% | 2,341 |
| Earnings coverage of net charge-offs (x) | 1.7128% | 3,960 |
| Efficiency ratio | 83.7661% | 1,660 |
| Assets per employee ($millions) | 4.4174% | 2,947 |
| Cash dividends to net income (ytd only)* | 57.0526% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0701% | 1,702 |
| Loan loss allowance to noncurrent loans | 61.2245% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 2.8552% | 1,440 |
| Noncurrent loans to loans | 3.3811% | 1,269 |
| Net loans and leases to total assets | 74.9647% | 1,113 |
| Net loans and leases to deposits | 83.1886% | 1,900 |
| Net loans and leases to core deposits | 98.1320% | 1,205 |
| Total domestic deposits to total assets | 90.1141% | 968 |
| Equity capital to assets | 9.0730% | 5,143 |
| Core capital (leverage) ratio | 8.8334% | 5,243 |
| Tier 1 risk-based capital ratio | 12.4017% | 5,570 |
| Total risk-based capital ratio | 13.6632% | 5,504 |
| Memoranda: | ||
| Average total assets | $345,162,000 | 1,889 |
| Average earning assets | $322,545,000 | 1,848 |
| Average equity | $31,805,670 | 2,164 |
| Average total loans | $261,645,330 | 1,593 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 2,075 |
| Cost of funding earning assets | 0.5274% | 3,811 |
| Net interest margin | 4.0004% | 1,782 |
| Noninterest income to average assets | 0.8580% | 1,904 |
| Noninterest expense to average assets | 3.8569% | 1,049 |
| Loan and lease loss provision to assets | 0.4238% | 713 |
| Net operating income to assets | 0.2261% | 5,804 |
| Return on assets (ROA) | 0.2721% | 5,778 |
| Pretax return on assets | 0.3624% | 5,669 |
| Return on Equity (ROE) | 2.9304% | 5,611 |
| Retained earnings to average equity (ytd only) | 1.2470% | 5,350 |
| Net charge-offs to loans | 0.7660% | 796 |
| Credit loss provision to net charge-offs | 73.3467% | 2,246 |
| Earnings coverage of net charge-offs (x) | 1.2545% | 3,408 |
| Efficiency ratio | 84.1799% | 1,743 |
| Assets per employee ($millions) | 3.9584% | 4,044 |
| Cash dividends to net income (ytd only)* | 57.4468% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0679% | 1,869 |
| Loan loss allowance to noncurrent loans | 49.3881% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 3.5867% | 1,173 |
| Noncurrent loans to loans | 4.1870% | 1,051 |
| Net loans and leases to total assets | 72.9674% | 1,207 |
| Net loans and leases to deposits | 80.9994% | 1,953 |
| Net loans and leases to core deposits | 94.7598% | 1,288 |
| Total domestic deposits to total assets | 90.0839% | 993 |
| Equity capital to assets | 9.1979% | 5,254 |
| Core capital (leverage) ratio | 8.9809% | 4,921 |
| Tier 1 risk-based capital ratio | 12.3306% | 5,694 |
| Total risk-based capital ratio | 13.5918% | 5,640 |
| Memoranda: | ||
| Average total assets | $345,462,500 | 1,912 |
| Average earning assets | $321,571,500 | 1,880 |
| Average equity | $32,077,500 | 2,174 |
| Average total loans | $260,588,500 | 1,610 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 2,143 |
| Cost of funding earning assets | 0.6739% | 3,698 |
| Net interest margin | 4.1386% | 1,861 |
| Noninterest income to average assets | 0.8456% | 2,055 |
| Noninterest expense to average assets | 3.9770% | 1,003 |
| Loan and lease loss provision to assets | 1.6900% | 160 |
| Net operating income to assets | -0.5356% | 6,589 |
| Return on assets (ROA) | -0.5352% | 6,618 |
| Pretax return on assets | -0.9471% | 6,724 |
| Return on Equity (ROE) | -5.7477% | 6,617 |
| Retained earnings to average equity (ytd only) | -7.4649% | 6,550 |
| Net charge-offs to loans | 1.8698% | 414 |
| Credit loss provision to net charge-offs | 121.7141% | 2,347 |
| Earnings coverage of net charge-offs (x) | 0.5346% | 5,220 |
| Efficiency ratio | 84.2708% | 1,594 |
| Assets per employee ($millions) | 3.8065% | 4,355 |
| Cash dividends to net income (ytd only)* | -29.8771% | 7,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1022% | 1,765 |
| Loan loss allowance to noncurrent loans | 48.5780% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 3.9226% | 1,108 |
| Noncurrent loans to loans | 4.3274% | 1,015 |
| Net loans and leases to total assets | 74.7655% | 1,087 |
| Net loans and leases to deposits | 83.1512% | 1,864 |
| Net loans and leases to core deposits | 95.4367% | 1,353 |
| Total domestic deposits to total assets | 89.9151% | 998 |
| Equity capital to assets | 9.3744% | 5,035 |
| Core capital (leverage) ratio | 8.9299% | 5,003 |
| Tier 1 risk-based capital ratio | 12.1422% | 5,694 |
| Total risk-based capital ratio | 13.4036% | 5,644 |
| Memoranda: | ||
| Average total assets | $349,587,200 | 1,854 |
| Average earning assets | $327,209,600 | 1,812 |
| Average equity | $32,552,400 | 2,121 |
| Average total loans | $259,595,400 | 1,595 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 2,168 |
| Cost of funding earning assets | 0.7098% | 3,682 |
| Net interest margin | 4.1468% | 1,914 |
| Noninterest income to average assets | 0.9658% | 1,616 |
| Noninterest expense to average assets | 3.9744% | 966 |
| Loan and lease loss provision to assets | 1.2971% | 267 |
| Net operating income to assets | -0.2090% | 6,508 |
| Return on assets (ROA) | -0.2087% | 6,574 |
| Pretax return on assets | -0.4209% | 6,668 |
| Return on Equity (ROE) | -2.2452% | 6,585 |
| Retained earnings to average equity (ytd only) | -3.9679% | 6,548 |
| Net charge-offs to loans | 1.7430% | 464 |
| Credit loss provision to net charge-offs | 100.9153% | 2,927 |
| Earnings coverage of net charge-offs (x) | 0.6814% | 4,984 |
| Efficiency ratio | 81.9419% | 1,815 |
| Assets per employee ($millions) | 3.6455% | 4,667 |
| Cash dividends to net income (ytd only)* | -76.7264% | 7,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 3,139 |
| Loan loss allowance to noncurrent loans | 41.4767% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 3.8680% | 1,266 |
| Noncurrent loans to loans | 4.1080% | 1,228 |
| Net loans and leases to total assets | 75.3698% | 1,068 |
| Net loans and leases to deposits | 83.9500% | 1,877 |
| Net loans and leases to core deposits | 95.1970% | 1,467 |
| Total domestic deposits to total assets | 89.7794% | 960 |
| Equity capital to assets | 9.5833% | 5,096 |
| Core capital (leverage) ratio | 9.0822% | 4,944 |
| Tier 1 risk-based capital ratio | 12.3333% | 5,746 |
| Total risk-based capital ratio | 13.5897% | 5,715 |
| Memoranda: | ||
| Average total assets | $351,338,250 | 1,863 |
| Average earning assets | $329,115,500 | 1,825 |
| Average equity | $32,661,750 | 2,132 |
| Average total loans | $259,085,750 | 1,610 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 2,140 |
| Cost of funding earning assets | 0.7673% | 3,462 |
| Net interest margin | 4.1251% | 1,990 |
| Noninterest income to average assets | 0.9576% | 1,588 |
| Noninterest expense to average assets | 4.0172% | 921 |
| Loan and lease loss provision to assets | 1.4595% | 256 |
| Net operating income to assets | -0.3551% | 6,653 |
| Return on assets (ROA) | -0.3551% | 6,702 |
| Pretax return on assets | -0.6521% | 6,802 |
| Return on Equity (ROE) | -3.8586% | 6,719 |
| Retained earnings to average equity (ytd only) | -5.5824% | 6,652 |
| Net charge-offs to loans | 2.0119% | 411 |
| Credit loss provision to net charge-offs | 99.6530% | 2,789 |
| Earnings coverage of net charge-offs (x) | 0.5513% | 4,795 |
| Efficiency ratio | 83.2651% | 1,713 |
| Assets per employee ($millions) | 3.5120% | 4,953 |
| Cash dividends to net income (ytd only)* | -44.6741% | 7,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 3,184 |
| Loan loss allowance to noncurrent loans | 49.1743% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 3.1210% | 1,747 |
| Noncurrent loans to loans | 3.4778% | 1,651 |
| Net loans and leases to total assets | 72.6102% | 1,458 |
| Net loans and leases to deposits | 80.6496% | 2,288 |
| Net loans and leases to core deposits | 92.5320% | 1,727 |
| Total domestic deposits to total assets | 90.0317% | 908 |
| Equity capital to assets | 9.2895% | 5,337 |
| Core capital (leverage) ratio | 8.7831% | 5,244 |
| Tier 1 risk-based capital ratio | 12.3420% | 5,688 |
| Total risk-based capital ratio | 13.5982% | 5,665 |
| Memoranda: | ||
| Average total assets | $354,224,000 | 1,852 |
| Average earning assets | $332,064,330 | 1,810 |
| Average equity | $32,602,330 | 2,113 |
| Average total loans | $257,862,670 | 1,611 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 1,953 |
| Cost of funding earning assets | 0.8251% | 3,278 |
| Net interest margin | 4.1565% | 1,913 |
| Noninterest income to average assets | 0.9040% | 1,732 |
| Noninterest expense to average assets | 3.9254% | 1,029 |
| Loan and lease loss provision to assets | 0.6342% | 878 |
| Net operating income to assets | 0.1934% | 6,008 |
| Return on assets (ROA) | 0.1934% | 6,155 |
| Pretax return on assets | 0.2418% | 6,103 |
| Return on Equity (ROE) | 2.1110% | 6,039 |
| Retained earnings to average equity (ytd only) | 0.3805% | 5,872 |
| Net charge-offs to loans | 0.9196% | 1,116 |
| Credit loss provision to net charge-offs | 95.4315% | 2,453 |
| Earnings coverage of net charge-offs (x) | 1.3181% | 3,674 |
| Efficiency ratio | 81.7564% | 1,969 |
| Assets per employee ($millions) | 3.5255% | 5,062 |
| Cash dividends to net income (ytd only)* | 81.9767% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 3,299 |
| Loan loss allowance to noncurrent loans | 50.5029% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 3.0284% | 1,917 |
| Noncurrent loans to loans | 3.3908% | 1,862 |
| Net loans and leases to total assets | 70.5325% | 1,661 |
| Net loans and leases to deposits | 78.0961% | 2,488 |
| Net loans and leases to core deposits | 90.7505% | 1,776 |
| Total domestic deposits to total assets | 90.3151% | 904 |
| Equity capital to assets | 9.0679% | 5,404 |
| Core capital (leverage) ratio | 8.8857% | 5,011 |
| Tier 1 risk-based capital ratio | 12.2271% | 5,803 |
| Total risk-based capital ratio | 13.4831% | 5,772 |
| Memoranda: | ||
| Average total assets | $355,734,000 | 1,858 |
| Average earning assets | $333,549,500 | 1,813 |
| Average equity | $32,591,000 | 2,109 |
| Average total loans | $257,070,500 | 1,624 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 1,577 |
| Cost of funding earning assets | 1.0041% | 3,348 |
| Net interest margin | 4.3414% | 1,571 |
| Noninterest income to average assets | 0.8682% | 1,779 |
| Noninterest expense to average assets | 3.7753% | 1,392 |
| Loan and lease loss provision to assets | 1.1343% | 795 |
| Net operating income to assets | 0.0151% | 6,008 |
| Return on assets (ROA) | 0.1181% | 5,945 |
| Pretax return on assets | 0.1355% | 5,909 |
| Return on Equity (ROE) | 1.3281% | 5,882 |
| Retained earnings to average equity (ytd only) | -0.4170% | 5,922 |
| Net charge-offs to loans | 1.5364% | 1,033 |
| Credit loss provision to net charge-offs | 101.7917% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.0333% | 5,016 |
| Efficiency ratio | 76.6296% | 2,808 |
| Assets per employee ($millions) | 3.3511% | 5,372 |
| Cash dividends to net income (ytd only)* | 131.4010% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 3,069 |
| Loan loss allowance to noncurrent loans | 96.5053% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.9391% | 3,054 |
| Noncurrent loans to loans | 1.7990% | 3,471 |
| Net loans and leases to total assets | 71.5157% | 1,729 |
| Net loans and leases to deposits | 79.3175% | 2,639 |
| Net loans and leases to core deposits | 93.1966% | 1,779 |
| Total domestic deposits to total assets | 90.1639% | 901 |
| Equity capital to assets | 9.2574% | 5,201 |
| Core capital (leverage) ratio | 8.9918% | 4,802 |
| Tier 1 risk-based capital ratio | 12.1911% | 5,696 |
| Total risk-based capital ratio | 13.4469% | 5,662 |
| Memoranda: | ||
| Average total assets | $350,618,600 | 1,850 |
| Average earning assets | $327,770,800 | 1,804 |
| Average equity | $31,172,600 | 2,123 |
| Average total loans | $254,299,200 | 1,653 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3405% | 1,712 |
| Cost of funding earning assets | 1.0451% | 3,354 |
| Net interest margin | 4.2954% | 1,735 |
| Noninterest income to average assets | 0.8678% | 1,759 |
| Noninterest expense to average assets | 3.7414% | 1,408 |
| Loan and lease loss provision to assets | 1.0760% | 771 |
| Net operating income to assets | 0.0569% | 6,059 |
| Return on assets (ROA) | 0.1443% | 5,974 |
| Pretax return on assets | 0.1625% | 5,972 |
| Return on Equity (ROE) | 1.6395% | 5,890 |
| Retained earnings to average equity (ytd only) | -0.1211% | 5,997 |
| Net charge-offs to loans | 1.4008% | 1,072 |
| Credit loss provision to net charge-offs | 105.9993% | 3,125 |
| Earnings coverage of net charge-offs (x) | 1.1234% | 4,786 |
| Efficiency ratio | 76.6412% | 2,736 |
| Assets per employee ($millions) | 3.4349% | 5,153 |
| Cash dividends to net income (ytd only)* | 107.3874% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 2,904 |
| Loan loss allowance to noncurrent loans | 70.1578% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.4480% | 2,633 |
| Noncurrent loans to loans | 2.5820% | 2,684 |
| Net loans and leases to total assets | 70.1599% | 2,057 |
| Net loans and leases to deposits | 77.8531% | 3,026 |
| Net loans and leases to core deposits | 93.1209% | 1,872 |
| Total domestic deposits to total assets | 90.1183% | 805 |
| Equity capital to assets | 9.3197% | 5,347 |
| Core capital (leverage) ratio | 9.2036% | 4,624 |
| Tier 1 risk-based capital ratio | 12.2249% | 5,725 |
| Total risk-based capital ratio | 13.4810% | 5,708 |
| Memoranda: | ||
| Average total assets | $350,306,250 | 1,856 |
| Average earning assets | $327,353,500 | 1,816 |
| Average equity | $30,822,250 | 2,147 |
| Average total loans | $253,852,250 | 1,663 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3964% | 1,577 |
| Cost of funding earning assets | 1.0961% | 3,273 |
| Net interest margin | 4.3003% | 1,649 |
| Noninterest income to average assets | 0.9695% | 1,406 |
| Noninterest expense to average assets | 3.8734% | 1,238 |
| Loan and lease loss provision to assets | 1.0654% | 786 |
| Net operating income to assets | 0.0413% | 6,144 |
| Return on assets (ROA) | 0.1650% | 5,939 |
| Pretax return on assets | 0.1964% | 5,939 |
| Return on Equity (ROE) | 1.9131% | 5,814 |
| Retained earnings to average equity (ytd only) | 0.1125% | 5,793 |
| Net charge-offs to loans | 1.3662% | 1,109 |
| Credit loss provision to net charge-offs | 107.1183% | 2,883 |
| Earnings coverage of net charge-offs (x) | 1.1206% | 4,434 |
| Efficiency ratio | 77.6557% | 2,768 |
| Assets per employee ($millions) | 3.3941% | 5,214 |
| Cash dividends to net income (ytd only)* | 94.1176% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 3,058 |
| Loan loss allowance to noncurrent loans | 42.6379% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.5310% | 1,859 |
| Noncurrent loans to loans | 4.1766% | 1,633 |
| Net loans and leases to total assets | 71.6923% | 1,844 |
| Net loans and leases to deposits | 81.9964% | 2,458 |
| Net loans and leases to core deposits | 100.2857% | 1,319 |
| Total domestic deposits to total assets | 87.4334% | 2,499 |
| Equity capital to assets | 9.4065% | 4,964 |
| Core capital (leverage) ratio | 9.0550% | 4,638 |
| Tier 1 risk-based capital ratio | 11.9444% | 5,830 |
| Total risk-based capital ratio | 13.2000% | 5,802 |
| Memoranda: | ||
| Average total assets | $350,287,000 | 1,871 |
| Average earning assets | $327,329,000 | 1,817 |
| Average equity | $30,212,000 | 2,175 |
| Average total loans | $255,019,670 | 1,682 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3912% | 1,590 |
| Cost of funding earning assets | 1.1283% | 3,305 |
| Net interest margin | 4.2629% | 1,692 |
| Noninterest income to average assets | 0.9321% | 1,542 |
| Noninterest expense to average assets | 3.9179% | 1,152 |
| Loan and lease loss provision to assets | 0.6869% | 1,236 |
| Net operating income to assets | 0.2271% | 5,696 |
| Return on assets (ROA) | 0.2271% | 5,764 |
| Pretax return on assets | 0.3122% | 5,619 |
| Return on Equity (ROE) | 2.7552% | 5,486 |
| Retained earnings to average equity (ytd only) | 0.8955% | 5,468 |
| Net charge-offs to loans | 0.8057% | 1,614 |
| Credit loss provision to net charge-offs | 117.2481% | 2,311 |
| Earnings coverage of net charge-offs (x) | 1.7054% | 3,460 |
| Efficiency ratio | 79.6814% | 2,583 |
| Assets per employee ($millions) | 3.9111% | 4,049 |
| Cash dividends to net income (ytd only)* | 67.5000% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 3,196 |
| Loan loss allowance to noncurrent loans | 43.5652% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 3.2318% | 2,128 |
| Noncurrent loans to loans | 4.0054% | 1,815 |
| Net loans and leases to total assets | 70.6403% | 1,997 |
| Net loans and leases to deposits | 79.7974% | 2,752 |
| Net loans and leases to core deposits | 98.0722% | 1,519 |
| Total domestic deposits to total assets | 88.5245% | 2,057 |
| Equity capital to assets | 8.1387% | 6,357 |
| Core capital (leverage) ratio | 8.0143% | 6,239 |
| Tier 1 risk-based capital ratio | 10.7761% | 6,651 |
| Total risk-based capital ratio | 12.0354% | 6,627 |
| Memoranda: | ||
| Average total assets | $352,333,000 | 1,873 |
| Average earning assets | $329,352,000 | 1,820 |
| Average equity | $29,035,500 | 2,227 |
| Average total loans | $256,182,000 | 1,691 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6632% | 1,704 |
| Cost of funding earning assets | 1.4718% | 2,814 |
| Net interest margin | 4.1914% | 2,219 |
| Noninterest income to average assets | 1.1057% | 1,215 |
| Noninterest expense to average assets | 4.0701% | 1,067 |
| Loan and lease loss provision to assets | 0.6992% | 2,345 |
| Net operating income to assets | 0.1514% | 5,437 |
| Return on assets (ROA) | 0.2214% | 5,361 |
| Pretax return on assets | 0.3353% | 5,127 |
| Return on Equity (ROE) | 2.6049% | 5,127 |
| Retained earnings to average equity (ytd only) | 0.7384% | 5,190 |
| Net charge-offs to loans | 0.6692% | 3,004 |
| Credit loss provision to net charge-offs | 141.7796% | 2,644 |
| Earnings coverage of net charge-offs (x) | 1.8827% | 4,312 |
| Efficiency ratio | 81.4255% | 2,234 |
| Assets per employee ($millions) | 3.7909% | 4,282 |
| Cash dividends to net income (ytd only)* | 71.6535% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 3,198 |
| Loan loss allowance to noncurrent loans | 83.0644% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 2.1439% | 3,161 |
| Noncurrent loans to loans | 2.0535% | 3,481 |
| Net loans and leases to total assets | 72.2878% | 2,034 |
| Net loans and leases to deposits | 82.1110% | 2,779 |
| Net loans and leases to core deposits | 101.2486% | 1,515 |
| Total domestic deposits to total assets | 88.0368% | 2,225 |
| Equity capital to assets | 8.3453% | 6,087 |
| Core capital (leverage) ratio | 7.9661% | 6,253 |
| Tier 1 risk-based capital ratio | 10.5152% | 6,693 |
| Total risk-based capital ratio | 11.7673% | 6,671 |
| Memoranda: | ||
| Average total assets | $344,119,600 | 1,896 |
| Average earning assets | $319,606,600 | 1,861 |
| Average equity | $29,253,000 | 2,228 |
| Average total loans | $253,593,800 | 1,741 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6929% | 1,741 |
| Cost of funding earning assets | 1.5203% | 2,843 |
| Net interest margin | 4.1726% | 2,324 |
| Noninterest income to average assets | 1.0983% | 1,172 |
| Noninterest expense to average assets | 3.9646% | 1,091 |
| Loan and lease loss provision to assets | 0.7379% | 2,074 |
| Net operating income to assets | 0.1790% | 5,566 |
| Return on assets (ROA) | 0.2795% | 5,404 |
| Pretax return on assets | 0.4179% | 5,168 |
| Return on Equity (ROE) | 3.2729% | 5,108 |
| Retained earnings to average equity (ytd only) | 1.3975% | 5,246 |
| Net charge-offs to loans | 0.8326% | 2,373 |
| Credit loss provision to net charge-offs | 120.2027% | 3,431 |
| Earnings coverage of net charge-offs (x) | 1.6384% | 4,480 |
| Efficiency ratio | 79.7654% | 2,374 |
| Assets per employee ($millions) | 3.7236% | 4,454 |
| Cash dividends to net income (ytd only)* | 57.3020% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 3,692 |
| Loan loss allowance to noncurrent loans | 48.4326% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.6923% | 2,681 |
| Noncurrent loans to loans | 3.2282% | 2,458 |
| Net loans and leases to total assets | 73.2569% | 1,966 |
| Net loans and leases to deposits | 83.3032% | 2,837 |
| Net loans and leases to core deposits | 101.3317% | 1,717 |
| Total domestic deposits to total assets | 87.9400% | 1,997 |
| Equity capital to assets | 8.5918% | 6,165 |
| Core capital (leverage) ratio | 8.1961% | 6,044 |
| Tier 1 risk-based capital ratio | 10.2984% | 6,895 |
| Total risk-based capital ratio | 11.5512% | 6,884 |
| Memoranda: | ||
| Average total assets | $342,959,500 | 1,933 |
| Average earning assets | $318,258,500 | 1,897 |
| Average equity | $29,290,000 | 2,255 |
| Average total loans | $252,870,750 | 1,767 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7154% | 1,707 |
| Cost of funding earning assets | 1.5721% | 2,817 |
| Net interest margin | 4.1433% | 2,360 |
| Noninterest income to average assets | 1.0370% | 1,259 |
| Noninterest expense to average assets | 3.8445% | 1,274 |
| Loan and lease loss provision to assets | 0.6628% | 2,177 |
| Net operating income to assets | 0.2397% | 5,408 |
| Return on assets (ROA) | 0.3882% | 4,970 |
| Pretax return on assets | 0.5911% | 4,590 |
| Return on Equity (ROE) | 4.5550% | 4,513 |
| Retained earnings to average equity (ytd only) | 2.7084% | 4,410 |
| Net charge-offs to loans | 0.7844% | 2,283 |
| Credit loss provision to net charge-offs | 114.9646% | 3,538 |
| Earnings coverage of net charge-offs (x) | 1.7846% | 4,178 |
| Efficiency ratio | 78.8876% | 2,592 |
| Assets per employee ($millions) | 3.8478% | 4,108 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 3,894 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.9495% | 3,552 |
| Noncurrent loans to loans | 2.4096% | 3,241 |
| Net loans and leases to total assets | 72.8585% | 2,197 |
| Net loans and leases to deposits | 82.6084% | 3,161 |
| Net loans and leases to core deposits | 101.4809% | 1,869 |
| Total domestic deposits to total assets | 88.1975% | 1,885 |
| Equity capital to assets | 8.5536% | 6,095 |
| Core capital (leverage) ratio | 8.1483% | 6,037 |
| Tier 1 risk-based capital ratio | 10.2511% | 6,880 |
| Total risk-based capital ratio | 11.5025% | 6,854 |
| Memoranda: | ||
| Average total assets | $343,089,330 | 1,945 |
| Average earning assets | $317,666,670 | 1,913 |
| Average equity | $29,242,330 | 2,243 |
| Average total loans | $252,180,330 | 1,797 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8254% | 1,387 |
| Cost of funding earning assets | 1.6346% | 2,745 |
| Net interest margin | 4.1908% | 2,079 |
| Noninterest income to average assets | 0.9481% | 1,459 |
| Noninterest expense to average assets | 3.6854% | 1,542 |
| Loan and lease loss provision to assets | 0.4112% | 2,902 |
| Net operating income to assets | 0.4624% | 4,564 |
| Return on assets (ROA) | 0.7501% | 3,314 |
| Pretax return on assets | 1.1834% | 2,423 |
| Return on Equity (ROE) | 8.8166% | 2,560 |
| Retained earnings to average equity (ytd only) | 6.9821% | 2,141 |
| Net charge-offs to loans | 0.3275% | 3,097 |
| Credit loss provision to net charge-offs | 171.3592% | 2,117 |
| Earnings coverage of net charge-offs (x) | 4.7718% | 2,554 |
| Efficiency ratio | 76.2961% | 3,169 |
| Assets per employee ($millions) | 4.0101% | 3,847 |
| Cash dividends to net income (ytd only)* | 20.8075% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 3,841 |
| Loan loss allowance to noncurrent loans | 64.0517% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.0503% | 3,441 |
| Noncurrent loans to loans | 2.3631% | 3,313 |
| Net loans and leases to total assets | 71.1144% | 2,669 |
| Net loans and leases to deposits | 80.4805% | 3,558 |
| Net loans and leases to core deposits | 100.1607% | 2,112 |
| Total domestic deposits to total assets | 88.3623% | 1,875 |
| Equity capital to assets | 8.4493% | 6,074 |
| Core capital (leverage) ratio | 8.2394% | 5,850 |
| Tier 1 risk-based capital ratio | 10.4490% | 6,678 |
| Total risk-based capital ratio | 11.7010% | 6,672 |
| Memoranda: | ||
| Average total assets | $343,407,000 | 1,997 |
| Average earning assets | $318,125,500 | 1,961 |
| Average equity | $29,217,500 | 2,270 |
| Average total loans | $251,609,500 | 1,855 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3305% | 963 |
| Cost of funding earning assets | 2.3728% | 1,383 |
| Net interest margin | 3.9576% | 3,041 |
| Noninterest income to average assets | 0.8914% | 1,976 |
| Noninterest expense to average assets | 3.4618% | 2,485 |
| Loan and lease loss provision to assets | 0.7499% | 2,862 |
| Net operating income to assets | 0.2030% | 4,896 |
| Return on assets (ROA) | 0.2108% | 4,929 |
| Pretax return on assets | 0.3074% | 4,739 |
| Return on Equity (ROE) | 2.6584% | 4,640 |
| Retained earnings to average equity (ytd only) | 0.7250% | 4,502 |
| Net charge-offs to loans | 0.5331% | 3,651 |
| Credit loss provision to net charge-offs | 191.8552% | 2,076 |
| Earnings coverage of net charge-offs (x) | 2.6765% | 3,766 |
| Efficiency ratio | 76.7933% | 3,389 |
| Assets per employee ($millions) | 3.8401% | 4,176 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 3,931 |
| Loan loss allowance to noncurrent loans | 132.6700% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 4,704 |
| Noncurrent loans to loans | 1.0999% | 5,122 |
| Net loans and leases to total assets | 73.2792% | 2,430 |
| Net loans and leases to deposits | 83.0067% | 3,449 |
| Net loans and leases to core deposits | 109.1115% | 2,990 |
| Total domestic deposits to total assets | 88.2810% | 1,836 |
| Equity capital to assets | 8.5689% | 5,768 |
| Core capital (leverage) ratio | 8.1051% | 5,984 |
| Tier 1 risk-based capital ratio | 10.2010% | 6,682 |
| Total risk-based capital ratio | 11.4523% | 6,652 |
| Memoranda: | ||
| Average total assets | $339,242,400 | 2,007 |
| Average earning assets | $310,007,800 | 2,004 |
| Average equity | $26,896,200 | 2,458 |
| Average total loans | $248,728,000 | 1,901 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3364% | 1,055 |
| Cost of funding earning assets | 2.5668% | 1,114 |
| Net interest margin | 3.7696% | 3,777 |
| Noninterest income to average assets | 0.8752% | 2,083 |
| Noninterest expense to average assets | 3.3936% | 2,597 |
| Loan and lease loss provision to assets | 0.6070% | 2,962 |
| Net operating income to assets | 0.2112% | 5,111 |
| Return on assets (ROA) | 0.2112% | 5,195 |
| Pretax return on assets | 0.3102% | 5,033 |
| Return on Equity (ROE) | 2.7191% | 4,906 |
| Retained earnings to average equity (ytd only) | 0.7783% | 4,854 |
| Net charge-offs to loans | 0.3649% | 3,826 |
| Credit loss provision to net charge-offs | 227.6878% | 1,914 |
| Earnings coverage of net charge-offs (x) | 3.4404% | 3,530 |
| Efficiency ratio | 78.7230% | 3,047 |
| Assets per employee ($millions) | 3.9182% | 3,896 |
| Cash dividends to net income (ytd only)* | 71.3754% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 4,336 |
| Loan loss allowance to noncurrent loans | 150.2720% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 5,023 |
| Noncurrent loans to loans | 0.8835% | 5,522 |
| Net loans and leases to total assets | 72.2773% | 2,962 |
| Net loans and leases to deposits | 84.1042% | 3,623 |
| Net loans and leases to core deposits | 108.2740% | 3,435 |
| Total domestic deposits to total assets | 85.9379% | 2,726 |
| Equity capital to assets | 8.4682% | 6,286 |
| Core capital (leverage) ratio | 7.9707% | 6,410 |
| Tier 1 risk-based capital ratio | 9.7659% | 7,169 |
| Total risk-based capital ratio | 10.9435% | 7,199 |
| Memoranda: | ||
| Average total assets | $339,570,250 | 2,021 |
| Average earning assets | $309,484,000 | 2,031 |
| Average equity | $26,381,000 | 2,518 |
| Average total loans | $248,085,000 | 1,928 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2659% | 1,295 |
| Cost of funding earning assets | 2.7376% | 943 |
| Net interest margin | 3.5283% | 4,663 |
| Noninterest income to average assets | 0.8203% | 2,315 |
| Noninterest expense to average assets | 3.2855% | 3,024 |
| Loan and lease loss provision to assets | 0.3945% | 3,551 |
| Net operating income to assets | 0.2194% | 5,187 |
| Return on assets (ROA) | 0.2194% | 5,275 |
| Pretax return on assets | 0.3379% | 5,104 |
| Return on Equity (ROE) | 2.9117% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.0332% | 4,750 |
| Net charge-offs to loans | 0.0671% | 5,561 |
| Credit loss provision to net charge-offs | 806.0241% | 587 |
| Earnings coverage of net charge-offs (x) | 14.9639% | 1,621 |
| Efficiency ratio | 81.7701% | 2,751 |
| Assets per employee ($millions) | 3.9937% | 3,689 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 4,754 |
| Loan loss allowance to noncurrent loans | 171.7035% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 5,543 |
| Noncurrent loans to loans | 0.7154% | 5,806 |
| Net loans and leases to total assets | 69.4205% | 3,843 |
| Net loans and leases to deposits | 79.4086% | 4,639 |
| Net loans and leases to core deposits | 103.2257% | 4,156 |
| Total domestic deposits to total assets | 87.4219% | 2,047 |
| Equity capital to assets | 7.6991% | 7,074 |
| Core capital (leverage) ratio | 7.6362% | 6,848 |
| Tier 1 risk-based capital ratio | 9.5299% | 7,363 |
| Total risk-based capital ratio | 10.6315% | 7,462 |
| Memoranda: | ||
| Average total assets | $339,131,330 | 2,041 |
| Average earning assets | $307,346,330 | 2,072 |
| Average equity | $25,552,330 | 2,595 |
| Average total loans | $247,547,000 | 1,961 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1704% | 1,691 |
| Cost of funding earning assets | 2.8774% | 811 |
| Net interest margin | 3.2930% | 5,517 |
| Noninterest income to average assets | 0.8529% | 2,068 |
| Noninterest expense to average assets | 3.1870% | 3,047 |
| Loan and lease loss provision to assets | 0.4397% | 2,724 |
| Net operating income to assets | 0.1586% | 5,794 |
| Return on assets (ROA) | 0.1586% | 5,962 |
| Pretax return on assets | 0.2343% | 5,862 |
| Return on Equity (ROE) | 2.1291% | 5,725 |
| Retained earnings to average equity (ytd only) | 0.9678% | 5,259 |
| Net charge-offs to loans | 0.0613% | 4,600 |
| Credit loss provision to net charge-offs | 963.1579% | 650 |
| Earnings coverage of net charge-offs (x) | 14.7632% | 1,644 |
| Efficiency ratio | 82.5451% | 2,471 |
| Assets per employee ($millions) | 4.2138% | 3,239 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 5,399 |
| Loan loss allowance to noncurrent loans | 99.6768% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 4,250 |
| Noncurrent loans to loans | 1.1133% | 4,754 |
| Net loans and leases to total assets | 71.5931% | 3,328 |
| Net loans and leases to deposits | 81.4757% | 4,375 |
| Net loans and leases to core deposits | 105.5642% | 3,965 |
| Total domestic deposits to total assets | 87.8705% | 1,811 |
| Equity capital to assets | 7.2616% | 7,518 |
| Core capital (leverage) ratio | 7.5428% | 7,102 |
| Tier 1 risk-based capital ratio | 9.1520% | 7,705 |
| Total risk-based capital ratio | 10.1612% | 7,879 |
| Memoranda: | ||
| Average total assets | $332,974,500 | 2,094 |
| Average earning assets | $304,161,000 | 2,097 |
| Average equity | $24,799,500 | 2,671 |
| Average total loans | $247,816,000 | 1,978 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5931% | 2,520 |
| Cost of funding earning assets | 3.2618% | 1,019 |
| Net interest margin | 3.3313% | 5,926 |
| Noninterest income to average assets | 1.1261% | 1,232 |
| Noninterest expense to average assets | 3.3617% | 2,790 |
| Loan and lease loss provision to assets | 0.2047% | 4,842 |
| Net operating income to assets | 0.4172% | 5,086 |
| Return on assets (ROA) | 0.4172% | 4,898 |
| Pretax return on assets | 0.6522% | 4,539 |
| Return on Equity (ROE) | 5.2786% | 4,249 |
| Retained earnings to average equity (ytd only) | 3.5176% | 2,952 |
| Net charge-offs to loans | 0.1181% | 5,084 |
| Credit loss provision to net charge-offs | 220.0730% | 2,180 |
| Earnings coverage of net charge-offs (x) | 9.2117% | 2,733 |
| Efficiency ratio | 79.6878% | 2,640 |
| Assets per employee ($millions) | 4.0053% | 3,502 |
| Cash dividends to net income (ytd only)* | 33.3605% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 6,083 |
| Loan loss allowance to noncurrent loans | 207.8098% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 4,753 |
| Noncurrent loans to loans | 0.4799% | 5,909 |
| Net loans and leases to total assets | 75.8483% | 2,666 |
| Net loans and leases to deposits | 89.3093% | 3,577 |
| Net loans and leases to core deposits | 109.2524% | 3,834 |
| Total domestic deposits to total assets | 84.9276% | 2,874 |
| Equity capital to assets | 7.6487% | 7,261 |
| Core capital (leverage) ratio | 7.7862% | 6,822 |
| Tier 1 risk-based capital ratio | 9.5141% | 7,286 |
| Total risk-based capital ratio | 10.4603% | 7,554 |
| Memoranda: | ||
| Average total assets | $294,551,200 | 2,229 |
| Average earning assets | $273,436,200 | 2,208 |
| Average equity | $23,282,800 | 2,815 |
| Average total loans | $232,036,200 | 2,034 |