Home > Central Bank Illinois > Performance and Condition Ratios
Central Bank Illinois, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1809% | 2,442 |
| Cost of funding earning assets | 1.7948% | 2,517 |
| Net interest margin | 3.3860% | 2,145 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 2.0968% | 3,324 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 0.9868% | 1,968 |
| Return on assets (ROA) | 0.8989% | 2,246 |
| Pretax return on assets | 1.2722% | 1,705 |
| Return on Equity (ROE) | 10.2300% | 2,073 |
| Retained earnings to average equity (ytd only) | 10.2295% | 1,061 |
| Net charge-offs to loans | -0.0217% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.4811% | 3,476 |
| Assets per employee ($millions) | 7.5282% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 2,861 |
| Loan loss allowance to noncurrent loans | 1,111.2660% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 2,945 |
| Noncurrent loans to loans | 0.0982% | 3,114 |
| Net loans and leases to total assets | 66.1700% | 2,223 |
| Net loans and leases to deposits | 90.0206% | 1,199 |
| Net loans and leases to core deposits | 93.8461% | 1,796 |
| Total domestic deposits to total assets | 73.5100% | 4,163 |
| Equity capital to assets | 8.8810% | 2,754 |
| Core capital (leverage) ratio | 10.0331% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,308,254,000 | 818 |
| Average earning assets | $1,211,921,000 | 807 |
| Average equity | $114,961,500 | 903 |
| Average total loans | $865,909,500 | 845 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 2,270 |
| Cost of funding earning assets | 1.3179% | 2,467 |
| Net interest margin | 3.5838% | 2,000 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.9819% | 3,675 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.3080% | 1,422 |
| Return on assets (ROA) | 1.2528% | 1,505 |
| Pretax return on assets | 1.6441% | 1,160 |
| Return on Equity (ROE) | 15.4500% | 1,201 |
| Retained earnings to average equity (ytd only) | 10.5759% | 886 |
| Net charge-offs to loans | 0.0044% | 2,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 655.7714% | 223 |
| Efficiency ratio | 51.4666% | 3,877 |
| Assets per employee ($millions) | 7.7314% | 1,570 |
| Cash dividends to net income (ytd only)* | 31.5318% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 2,997 |
| Loan loss allowance to noncurrent loans | 1,865.2352% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 3,063 |
| Noncurrent loans to loans | 0.0572% | 3,307 |
| Net loans and leases to total assets | 64.7700% | 2,393 |
| Net loans and leases to deposits | 87.9693% | 1,438 |
| Net loans and leases to core deposits | 90.1307% | 2,041 |
| Total domestic deposits to total assets | 73.6300% | 4,127 |
| Equity capital to assets | 8.6935% | 2,908 |
| Core capital (leverage) ratio | 9.7306% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,265,730,800 | 824 |
| Average earning assets | $1,172,817,800 | 812 |
| Average equity | $102,657,800 | 924 |
| Average total loans | $791,237,800 | 871 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 2,280 |
| Cost of funding earning assets | 1.2374% | 2,310 |
| Net interest margin | 3.5571% | 2,097 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.9837% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3533% | 1,414 |
| Return on assets (ROA) | 1.2610% | 1,621 |
| Pretax return on assets | 1.6595% | 1,241 |
| Return on Equity (ROE) | 15.8400% | 1,283 |
| Retained earnings to average equity (ytd only) | 10.5063% | 1,260 |
| Net charge-offs to loans | 0.0060% | 2,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 477.9429% | 315 |
| Efficiency ratio | 51.9741% | 3,759 |
| Assets per employee ($millions) | 7.4649% | 1,659 |
| Cash dividends to net income (ytd only)* | 33.6870% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 2,818 |
| Loan loss allowance to noncurrent loans | 5,809.5541% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,311 |
| Noncurrent loans to loans | 0.0191% | 3,628 |
| Net loans and leases to total assets | 64.1100% | 2,435 |
| Net loans and leases to deposits | 86.6402% | 1,497 |
| Net loans and leases to core deposits | 88.8505% | 1,997 |
| Total domestic deposits to total assets | 74.0000% | 4,161 |
| Equity capital to assets | 7.8459% | 3,154 |
| Core capital (leverage) ratio | 9.6052% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,255,512,000 | 833 |
| Average earning assets | $1,163,239,500 | 818 |
| Average equity | $99,924,750 | 940 |
| Average total loans | $775,191,000 | 882 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 2,354 |
| Cost of funding earning assets | 1.1220% | 2,212 |
| Net interest margin | 3.5064% | 2,250 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.0016% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3299% | 1,494 |
| Return on assets (ROA) | 1.1909% | 1,844 |
| Pretax return on assets | 1.5317% | 1,537 |
| Return on Equity (ROE) | 14.8900% | 1,492 |
| Retained earnings to average equity (ytd only) | 8.8941% | 1,713 |
| Net charge-offs to loans | 0.0132% | 1,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 213.6400% | 570 |
| Efficiency ratio | 53.1377% | 3,684 |
| Assets per employee ($millions) | 7.3716% | 1,688 |
| Cash dividends to net income (ytd only)* | 40.2739% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 2,707 |
| Loan loss allowance to noncurrent loans | 3,240.5694% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 2,663 |
| Noncurrent loans to loans | 0.0355% | 3,483 |
| Net loans and leases to total assets | 61.7200% | 2,604 |
| Net loans and leases to deposits | 83.5531% | 1,713 |
| Net loans and leases to core deposits | 85.8396% | 2,085 |
| Total domestic deposits to total assets | 73.8700% | 4,201 |
| Equity capital to assets | 8.0072% | 3,215 |
| Core capital (leverage) ratio | 9.4256% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,251,006,333 | 821 |
| Average earning assets | $1,158,671,333 | 817 |
| Average equity | $100,044,000 | 936 |
| Average total loans | $759,344,333 | 889 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 2,312 |
| Cost of funding earning assets | 0.9932% | 2,070 |
| Net interest margin | 3.5082% | 2,338 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.0191% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2250% | 1,875 |
| Return on assets (ROA) | 0.9822% | 2,556 |
| Pretax return on assets | 1.3240% | 2,101 |
| Return on Equity (ROE) | 12.2900% | 2,145 |
| Retained earnings to average equity (ytd only) | 4.2335% | 3,202 |
| Net charge-offs to loans | -0.0016% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.4621% | 3,557 |
| Assets per employee ($millions) | 7.3734% | 1,699 |
| Cash dividends to net income (ytd only)* | 65.5523% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,440 |
| Loan loss allowance to noncurrent loans | 6,273.2877% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 2,689 |
| Noncurrent loans to loans | 0.0195% | 3,641 |
| Net loans and leases to total assets | 59.1100% | 2,761 |
| Net loans and leases to deposits | 80.4208% | 1,786 |
| Net loans and leases to core deposits | 82.5207% | 2,090 |
| Total domestic deposits to total assets | 73.5000% | 4,308 |
| Equity capital to assets | 8.0961% | 3,172 |
| Core capital (leverage) ratio | 9.2541% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,242,553,000 | 843 |
| Average earning assets | $1,149,416,000 | 836 |
| Average equity | $99,304,000 | 950 |
| Average total loans | $743,202,000 | 920 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 1,828 |
| Cost of funding earning assets | 0.4901% | 1,466 |
| Net interest margin | 3.4689% | 2,043 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.9782% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3921% | 1,151 |
| Return on assets (ROA) | 1.3144% | 1,340 |
| Pretax return on assets | 1.6573% | 1,022 |
| Return on Equity (ROE) | 15.0500% | 1,245 |
| Retained earnings to average equity (ytd only) | 13.1389% | 490 |
| Net charge-offs to loans | 0.0222% | 1,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 145.9792% | 804 |
| Efficiency ratio | 52.0713% | 3,974 |
| Assets per employee ($millions) | 7.2025% | 1,821 |
| Cash dividends to net income (ytd only)* | 12.7089% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 3,630 |
| Loan loss allowance to noncurrent loans | 974.6479% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 2,614 |
| Noncurrent loans to loans | 0.0964% | 3,072 |
| Net loans and leases to total assets | 59.2200% | 2,707 |
| Net loans and leases to deposits | 78.1808% | 1,926 |
| Net loans and leases to core deposits | 80.2165% | 2,122 |
| Total domestic deposits to total assets | 75.7500% | 4,273 |
| Equity capital to assets | 7.8859% | 3,129 |
| Core capital (leverage) ratio | 9.4811% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,197,280,400 | 855 |
| Average earning assets | $1,106,216,400 | 850 |
| Average equity | $104,552,200 | 916 |
| Average total loans | $649,635,000 | 967 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 1,767 |
| Cost of funding earning assets | 0.3921% | 1,348 |
| Net interest margin | 3.4081% | 1,948 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.0460% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2435% | 1,542 |
| Return on assets (ROA) | 1.1658% | 1,808 |
| Pretax return on assets | 1.5158% | 1,371 |
| Return on Equity (ROE) | 13.0200% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.7706% | 846 |
| Net charge-offs to loans | 0.0858% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 35.6188% | 1,437 |
| Efficiency ratio | 54.9508% | 3,730 |
| Assets per employee ($millions) | 7.4722% | 1,630 |
| Cash dividends to net income (ytd only)* | 9.6209% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 3,626 |
| Loan loss allowance to noncurrent loans | 1,527.5229% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 2,895 |
| Noncurrent loans to loans | 0.0633% | 3,424 |
| Net loans and leases to total assets | 55.3200% | 2,970 |
| Net loans and leases to deposits | 66.1412% | 2,706 |
| Net loans and leases to core deposits | 71.5258% | 2,525 |
| Total domestic deposits to total assets | 83.6300% | 3,573 |
| Equity capital to assets | 7.7391% | 3,057 |
| Core capital (leverage) ratio | 9.2816% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,188,693,250 | 866 |
| Average earning assets | $1,098,573,000 | 861 |
| Average equity | $106,409,000 | 918 |
| Average total loans | $627,965,750 | 995 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6607% | 1,650 |
| Cost of funding earning assets | 0.3595% | 1,192 |
| Net interest margin | 3.3012% | 1,908 |
| Noninterest income to average assets | 0.5443% | 1,975 |
| Noninterest expense to average assets | 2.0122% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2041% | 1,412 |
| Return on assets (ROA) | 1.0994% | 1,747 |
| Pretax return on assets | 1.4459% | 1,318 |
| Return on Equity (ROE) | 11.7249% | 1,752 |
| Retained earnings to average equity (ytd only) | 11.7249% | 658 |
| Net charge-offs to loans | -0.0026% | 3,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0199% | 3,867 |
| Assets per employee ($millions) | 7.1583% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,165 |
| Loan loss allowance to noncurrent loans | 101.0430% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 981 |
| Noncurrent loans to loans | 1.0885% | 757 |
| Net loans and leases to total assets | 52.2588% | 3,126 |
| Net loans and leases to deposits | 62.4576% | 2,853 |
| Net loans and leases to core deposits | 66.5240% | 2,779 |
| Total domestic deposits to total assets | 83.6707% | 3,750 |
| Equity capital to assets | 8.1586% | 3,002 |
| Core capital (leverage) ratio | 9.3294% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,173,951,333 | 871 |
| Average earning assets | $1,083,299,667 | 873 |
| Average equity | $110,073,000 | 902 |
| Average total loans | $607,735,000 | 1,014 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 1,828 |
| Cost of funding earning assets | 0.3533% | 1,170 |
| Net interest margin | 3.1421% | 2,052 |
| Noninterest income to average assets | 0.5658% | 1,844 |
| Noninterest expense to average assets | 2.0126% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0499% | 1,694 |
| Return on assets (ROA) | 0.9169% | 2,216 |
| Pretax return on assets | 1.2850% | 1,552 |
| Return on Equity (ROE) | 9.1558% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.1558% | 1,232 |
| Net charge-offs to loans | -0.0034% | 3,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9970% | 3,785 |
| Assets per employee ($millions) | 7.0129% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,897 |
| Loan loss allowance to noncurrent loans | 139.9248% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 1,384 |
| Noncurrent loans to loans | 0.8521% | 1,096 |
| Net loans and leases to total assets | 50.9332% | 3,076 |
| Net loans and leases to deposits | 62.4929% | 2,674 |
| Net loans and leases to core deposits | 63.7226% | 2,817 |
| Total domestic deposits to total assets | 81.5023% | 4,148 |
| Equity capital to assets | 9.4729% | 2,309 |
| Core capital (leverage) ratio | 9.2589% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,152,961,500 | 884 |
| Average earning assets | $1,064,113,000 | 884 |
| Average equity | $115,468,000 | 889 |
| Average total loans | $590,096,500 | 1,033 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 1,861 |
| Cost of funding earning assets | 0.3983% | 1,554 |
| Net interest margin | 3.4033% | 2,017 |
| Noninterest income to average assets | 0.7164% | 1,703 |
| Noninterest expense to average assets | 1.9844% | 3,725 |
| Loan and lease loss provision to assets | 0.0270% | 2,514 |
| Net operating income to assets | 1.4245% | 1,195 |
| Return on assets (ROA) | 1.4316% | 1,254 |
| Pretax return on assets | 1.8077% | 901 |
| Return on Equity (ROE) | 13.2848% | 1,376 |
| Retained earnings to average equity (ytd only) | 9.0502% | 1,183 |
| Net charge-offs to loans | -0.0125% | 3,813 |
| Credit loss provision to net charge-offs | -428.9855% | 3,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9917% | 4,205 |
| Assets per employee ($millions) | 6.7198% | 2,140 |
| Cash dividends to net income (ytd only)* | 31.8756% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,873 |
| Loan loss allowance to noncurrent loans | 145.3199% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 1,560 |
| Noncurrent loans to loans | 0.8276% | 1,234 |
| Net loans and leases to total assets | 50.2047% | 3,249 |
| Net loans and leases to deposits | 62.6421% | 2,818 |
| Net loans and leases to core deposits | 63.9552% | 2,981 |
| Total domestic deposits to total assets | 80.1452% | 4,207 |
| Equity capital to assets | 10.5542% | 2,123 |
| Core capital (leverage) ratio | 9.3734% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,095,707,400 | 894 |
| Average earning assets | $996,026,600 | 910 |
| Average equity | $118,075,000 | 882 |
| Average total loans | $550,453,400 | 1,087 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 1,766 |
| Cost of funding earning assets | 0.4060% | 1,656 |
| Net interest margin | 3.4931% | 1,880 |
| Noninterest income to average assets | 0.7269% | 1,742 |
| Noninterest expense to average assets | 2.0132% | 3,632 |
| Loan and lease loss provision to assets | 0.0364% | 2,265 |
| Net operating income to assets | 1.4563% | 1,376 |
| Return on assets (ROA) | 1.5062% | 1,308 |
| Pretax return on assets | 1.9036% | 942 |
| Return on Equity (ROE) | 13.9003% | 1,420 |
| Retained earnings to average equity (ytd only) | 8.2072% | 1,993 |
| Net charge-offs to loans | -0.0145% | 3,832 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6502% | 4,157 |
| Assets per employee ($millions) | 6.5126% | 2,232 |
| Cash dividends to net income (ytd only)* | 40.9567% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,648 |
| Loan loss allowance to noncurrent loans | 135.7652% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 1,601 |
| Noncurrent loans to loans | 0.9325% | 1,229 |
| Net loans and leases to total assets | 50.2756% | 3,380 |
| Net loans and leases to deposits | 63.5600% | 2,896 |
| Net loans and leases to core deposits | 64.9437% | 3,050 |
| Total domestic deposits to total assets | 79.0995% | 4,336 |
| Equity capital to assets | 10.9996% | 2,018 |
| Core capital (leverage) ratio | 9.3656% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,080,683,000 | 913 |
| Average earning assets | $978,583,750 | 936 |
| Average equity | $117,097,250 | 896 |
| Average total loans | $541,233,750 | 1,117 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 1,929 |
| Cost of funding earning assets | 0.4102% | 1,800 |
| Net interest margin | 3.4468% | 2,018 |
| Noninterest income to average assets | 0.7671% | 1,626 |
| Noninterest expense to average assets | 1.9907% | 3,726 |
| Loan and lease loss provision to assets | 0.0548% | 1,937 |
| Net operating income to assets | 1.4265% | 1,495 |
| Return on assets (ROA) | 1.4518% | 1,486 |
| Pretax return on assets | 1.8487% | 1,128 |
| Return on Equity (ROE) | 13.4674% | 1,574 |
| Retained earnings to average equity (ytd only) | 13.4674% | 643 |
| Net charge-offs to loans | -0.0146% | 3,840 |
| Credit loss provision to net charge-offs | -756.4103% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3825% | 4,207 |
| Assets per employee ($millions) | 6.6788% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,422 |
| Loan loss allowance to noncurrent loans | 153.0910% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 1,915 |
| Noncurrent loans to loans | 0.8516% | 1,449 |
| Net loans and leases to total assets | 49.2106% | 3,633 |
| Net loans and leases to deposits | 62.3293% | 3,168 |
| Net loans and leases to core deposits | 63.7584% | 3,312 |
| Total domestic deposits to total assets | 78.9526% | 4,349 |
| Equity capital to assets | 11.1494% | 1,875 |
| Core capital (leverage) ratio | 9.4252% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,076,205,000 | 910 |
| Average earning assets | $966,404,333 | 936 |
| Average equity | $116,013,333 | 892 |
| Average total loans | $535,936,000 | 1,132 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7815% | 2,150 |
| Cost of funding earning assets | 0.4071% | 2,042 |
| Net interest margin | 3.3744% | 2,176 |
| Noninterest income to average assets | 0.8285% | 1,517 |
| Noninterest expense to average assets | 1.9986% | 3,716 |
| Loan and lease loss provision to assets | 0.1118% | 1,240 |
| Net operating income to assets | 1.3313% | 1,727 |
| Return on assets (ROA) | 1.4020% | 1,643 |
| Pretax return on assets | 1.7978% | 1,292 |
| Return on Equity (ROE) | 13.2344% | 1,610 |
| Retained earnings to average equity (ytd only) | 13.2344% | 869 |
| Net charge-offs to loans | -0.0277% | 4,137 |
| Credit loss provision to net charge-offs | -810.8108% | 3,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1662% | 4,080 |
| Assets per employee ($millions) | 6.6487% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 2,315 |
| Loan loss allowance to noncurrent loans | 129.9114% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 1,903 |
| Noncurrent loans to loans | 1.0211% | 1,312 |
| Net loans and leases to total assets | 48.0003% | 3,821 |
| Net loans and leases to deposits | 59.9635% | 3,487 |
| Net loans and leases to core deposits | 61.1839% | 3,629 |
| Total domestic deposits to total assets | 80.0491% | 4,195 |
| Equity capital to assets | 10.5672% | 2,197 |
| Core capital (leverage) ratio | 9.2140% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,073,325,000 | 900 |
| Average earning assets | $951,165,500 | 933 |
| Average equity | $113,703,500 | 903 |
| Average total loans | $534,166,500 | 1,139 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3389% | 1,747 |
| Cost of funding earning assets | 0.5922% | 2,370 |
| Net interest margin | 3.7467% | 1,649 |
| Noninterest income to average assets | 0.8632% | 1,366 |
| Noninterest expense to average assets | 2.2245% | 3,611 |
| Loan and lease loss provision to assets | 0.1534% | 2,458 |
| Net operating income to assets | 1.4979% | 818 |
| Return on assets (ROA) | 1.5836% | 721 |
| Pretax return on assets | 1.9962% | 458 |
| Return on Equity (ROE) | 13.9072% | 836 |
| Retained earnings to average equity (ytd only) | 4.7727% | 2,384 |
| Net charge-offs to loans | 0.1205% | 1,287 |
| Credit loss provision to net charge-offs | 226.2270% | 2,039 |
| Earnings coverage of net charge-offs (x) | 30.0982% | 1,612 |
| Efficiency ratio | 50.6449% | 4,490 |
| Assets per employee ($millions) | 6.4016% | 1,999 |
| Cash dividends to net income (ytd only)* | 65.6814% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,715 |
| Loan loss allowance to noncurrent loans | 119.3692% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 1,930 |
| Noncurrent loans to loans | 1.0433% | 1,361 |
| Net loans and leases to total assets | 50.2914% | 3,803 |
| Net loans and leases to deposits | 63.2104% | 3,499 |
| Net loans and leases to core deposits | 64.4504% | 3,661 |
| Total domestic deposits to total assets | 79.5619% | 4,125 |
| Equity capital to assets | 10.6209% | 2,575 |
| Core capital (leverage) ratio | 9.4527% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $961,428,000 | 911 |
| Average earning assets | $873,078,600 | 932 |
| Average equity | $109,476,000 | 893 |
| Average total loans | $541,060,600 | 1,074 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 2,029 |
| Cost of funding earning assets | 0.6133% | 2,526 |
| Net interest margin | 3.7110% | 1,905 |
| Noninterest income to average assets | 0.8625% | 1,327 |
| Noninterest expense to average assets | 2.2293% | 3,607 |
| Loan and lease loss provision to assets | 0.1671% | 2,325 |
| Net operating income to assets | 1.4772% | 949 |
| Return on assets (ROA) | 1.6866% | 655 |
| Pretax return on assets | 2.1490% | 378 |
| Return on Equity (ROE) | 14.5366% | 786 |
| Retained earnings to average equity (ytd only) | 8.4092% | 1,171 |
| Net charge-offs to loans | 0.1356% | 1,067 |
| Credit loss provision to net charge-offs | 213.2486% | 2,058 |
| Earnings coverage of net charge-offs (x) | 26.1797% | 1,703 |
| Efficiency ratio | 50.7873% | 4,440 |
| Assets per employee ($millions) | 5.7999% | 2,452 |
| Cash dividends to net income (ytd only)* | 42.1514% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,808 |
| Loan loss allowance to noncurrent loans | 238.0081% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 2,962 |
| Noncurrent loans to loans | 0.4937% | 2,580 |
| Net loans and leases to total assets | 57.1247% | 3,508 |
| Net loans and leases to deposits | 74.0253% | 2,955 |
| Net loans and leases to core deposits | 75.8520% | 3,177 |
| Total domestic deposits to total assets | 77.1692% | 4,301 |
| Equity capital to assets | 11.7342% | 1,854 |
| Core capital (leverage) ratio | 10.2064% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $937,717,250 | 925 |
| Average earning assets | $863,652,500 | 923 |
| Average equity | $108,798,750 | 890 |
| Average total loans | $541,847,750 | 1,062 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 2,201 |
| Cost of funding earning assets | 0.6375% | 2,770 |
| Net interest margin | 3.7658% | 1,936 |
| Noninterest income to average assets | 0.8143% | 1,397 |
| Noninterest expense to average assets | 2.1832% | 3,843 |
| Loan and lease loss provision to assets | 0.1879% | 2,142 |
| Net operating income to assets | 1.5105% | 910 |
| Return on assets (ROA) | 1.7228% | 653 |
| Pretax return on assets | 2.1879% | 370 |
| Return on Equity (ROE) | 14.9061% | 726 |
| Retained earnings to average equity (ytd only) | 14.9061% | 225 |
| Net charge-offs to loans | -0.0041% | 3,952 |
| Credit loss provision to net charge-offs | -7,963.6364% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5345% | 4,527 |
| Assets per employee ($millions) | 5.8262% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,473 |
| Loan loss allowance to noncurrent loans | 202.2428% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 2,888 |
| Noncurrent loans to loans | 0.5973% | 2,358 |
| Net loans and leases to total assets | 57.1861% | 3,588 |
| Net loans and leases to deposits | 73.7599% | 3,098 |
| Net loans and leases to core deposits | 75.6228% | 3,314 |
| Total domestic deposits to total assets | 77.5301% | 4,251 |
| Equity capital to assets | 11.6534% | 1,867 |
| Core capital (leverage) ratio | 10.2145% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $931,297,000 | 911 |
| Average earning assets | $859,622,000 | 909 |
| Average equity | $107,633,667 | 895 |
| Average total loans | $538,073,333 | 1,056 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 2,315 |
| Cost of funding earning assets | 0.7056% | 2,910 |
| Net interest margin | 3.7929% | 2,010 |
| Noninterest income to average assets | 0.6670% | 1,777 |
| Noninterest expense to average assets | 2.1814% | 4,055 |
| Loan and lease loss provision to assets | 0.0828% | 2,658 |
| Net operating income to assets | 1.4374% | 911 |
| Return on assets (ROA) | 1.6453% | 626 |
| Pretax return on assets | 2.1595% | 324 |
| Return on Equity (ROE) | 14.2991% | 646 |
| Retained earnings to average equity (ytd only) | 14.2991% | 234 |
| Net charge-offs to loans | 0.0008% | 2,574 |
| Credit loss provision to net charge-offs | 18,800.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 4,519.0000% | 4 |
| Efficiency ratio | 51.0105% | 4,610 |
| Assets per employee ($millions) | 5.4459% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 2,964 |
| Loan loss allowance to noncurrent loans | 137.5142% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 2,524 |
| Noncurrent loans to loans | 0.8325% | 1,944 |
| Net loans and leases to total assets | 57.5658% | 3,707 |
| Net loans and leases to deposits | 74.3612% | 3,233 |
| Net loans and leases to core deposits | 76.7036% | 3,450 |
| Total domestic deposits to total assets | 77.4138% | 4,305 |
| Equity capital to assets | 11.5585% | 2,387 |
| Core capital (leverage) ratio | 10.3629% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $913,371,000 | 899 |
| Average earning assets | $841,266,500 | 903 |
| Average equity | $105,097,500 | 911 |
| Average total loans | $527,191,000 | 1,049 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 2,584 |
| Cost of funding earning assets | 0.8086% | 2,638 |
| Net interest margin | 3.7977% | 2,503 |
| Noninterest income to average assets | 0.6554% | 1,986 |
| Noninterest expense to average assets | 2.2461% | 4,071 |
| Loan and lease loss provision to assets | 0.0665% | 2,688 |
| Net operating income to assets | 1.4680% | 1,130 |
| Return on assets (ROA) | 1.5212% | 1,063 |
| Pretax return on assets | 1.8982% | 748 |
| Return on Equity (ROE) | 13.2339% | 1,101 |
| Retained earnings to average equity (ytd only) | 1.6860% | 4,128 |
| Net charge-offs to loans | 0.0356% | 2,677 |
| Credit loss provision to net charge-offs | 323.1183% | 860 |
| Earnings coverage of net charge-offs (x) | 92.2634% | 720 |
| Efficiency ratio | 52.6677% | 4,554 |
| Assets per employee ($millions) | 5.5593% | 2,015 |
| Cash dividends to net income (ytd only)* | 87.2600% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 2,836 |
| Loan loss allowance to noncurrent loans | 130.0863% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4962% | 2,427 |
| Noncurrent loans to loans | 0.8607% | 1,788 |
| Net loans and leases to total assets | 56.5699% | 3,883 |
| Net loans and leases to deposits | 71.1009% | 3,583 |
| Net loans and leases to core deposits | 73.0735% | 3,793 |
| Total domestic deposits to total assets | 79.5628% | 4,058 |
| Equity capital to assets | 11.4551% | 2,569 |
| Core capital (leverage) ratio | 9.7276% | 3,817 |
| Tier 1 risk-based capital ratio | 13.5385% | 3,500 |
| Total risk-based capital ratio | 14.4363% | 3,579 |
| Memoranda: | ||
| Average total assets | $904,045,400 | 873 |
| Average earning assets | $830,561,200 | 873 |
| Average equity | $103,915,200 | 875 |
| Average total loans | $522,070,400 | 1,036 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 2,644 |
| Cost of funding earning assets | 0.8161% | 2,632 |
| Net interest margin | 3.8084% | 2,570 |
| Noninterest income to average assets | 0.6398% | 2,030 |
| Noninterest expense to average assets | 2.2306% | 4,120 |
| Loan and lease loss provision to assets | 0.0668% | 2,550 |
| Net operating income to assets | 1.4651% | 1,290 |
| Return on assets (ROA) | 1.5024% | 1,237 |
| Pretax return on assets | 1.8869% | 892 |
| Return on Equity (ROE) | 13.0596% | 1,263 |
| Retained earnings to average equity (ytd only) | 4.0530% | 3,369 |
| Net charge-offs to loans | 0.0386% | 2,315 |
| Credit loss provision to net charge-offs | 298.6755% | 954 |
| Earnings coverage of net charge-offs (x) | 85.3171% | 828 |
| Efficiency ratio | 52.3433% | 4,570 |
| Assets per employee ($millions) | 5.5750% | 1,961 |
| Cash dividends to net income (ytd only)* | 68.9655% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 2,926 |
| Loan loss allowance to noncurrent loans | 127.7544% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 2,442 |
| Noncurrent loans to loans | 0.8777% | 1,828 |
| Net loans and leases to total assets | 55.2488% | 4,090 |
| Net loans and leases to deposits | 71.0125% | 3,690 |
| Net loans and leases to core deposits | 73.0563% | 3,884 |
| Total domestic deposits to total assets | 77.8016% | 4,384 |
| Equity capital to assets | 11.6193% | 2,581 |
| Core capital (leverage) ratio | 10.0144% | 3,629 |
| Tier 1 risk-based capital ratio | 13.3138% | 3,679 |
| Total risk-based capital ratio | 14.1675% | 3,788 |
| Memoranda: | ||
| Average total assets | $900,736,750 | 877 |
| Average earning assets | $827,283,000 | 870 |
| Average equity | $103,625,250 | 877 |
| Average total loans | $521,393,000 | 1,035 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 2,695 |
| Cost of funding earning assets | 0.7996% | 2,645 |
| Net interest margin | 3.7946% | 2,599 |
| Noninterest income to average assets | 0.6206% | 2,065 |
| Noninterest expense to average assets | 2.2501% | 4,125 |
| Loan and lease loss provision to assets | 0.0669% | 2,473 |
| Net operating income to assets | 1.3659% | 1,526 |
| Return on assets (ROA) | 1.3871% | 1,525 |
| Pretax return on assets | 1.8199% | 990 |
| Return on Equity (ROE) | 12.0988% | 1,539 |
| Retained earnings to average equity (ytd only) | 8.1978% | 1,314 |
| Net charge-offs to loans | 0.0011% | 3,140 |
| Credit loss provision to net charge-offs | 9,966.6667% | 27 |
| Earnings coverage of net charge-offs (x) | 2,772.3333% | 16 |
| Efficiency ratio | 53.0986% | 4,550 |
| Assets per employee ($millions) | 5.6335% | 1,837 |
| Cash dividends to net income (ytd only)* | 32.2425% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 3,154 |
| Loan loss allowance to noncurrent loans | 134.0941% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 2,608 |
| Noncurrent loans to loans | 0.8080% | 1,978 |
| Net loans and leases to total assets | 58.3174% | 3,883 |
| Net loans and leases to deposits | 76.4757% | 3,289 |
| Net loans and leases to core deposits | 79.2182% | 3,488 |
| Total domestic deposits to total assets | 76.2561% | 4,642 |
| Equity capital to assets | 11.9011% | 2,265 |
| Core capital (leverage) ratio | 10.1069% | 3,494 |
| Tier 1 risk-based capital ratio | 13.2109% | 3,731 |
| Total risk-based capital ratio | 14.0488% | 3,851 |
| Memoranda: | ||
| Average total assets | $894,356,330 | 879 |
| Average earning assets | $822,442,670 | 874 |
| Average equity | $102,539,330 | 875 |
| Average total loans | $523,862,330 | 1,024 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 2,709 |
| Cost of funding earning assets | 0.8285% | 2,380 |
| Net interest margin | 3.7175% | 2,825 |
| Noninterest income to average assets | 0.5482% | 2,294 |
| Noninterest expense to average assets | 2.1876% | 4,285 |
| Loan and lease loss provision to assets | 0.0674% | 2,324 |
| Net operating income to assets | 1.3524% | 1,522 |
| Return on assets (ROA) | 1.3362% | 1,612 |
| Pretax return on assets | 1.6779% | 1,265 |
| Return on Equity (ROE) | 11.8834% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.8834% | 629 |
| Net charge-offs to loans | -0.0192% | 4,478 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6234% | 4,568 |
| Assets per employee ($millions) | 5.5354% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,276 |
| Loan loss allowance to noncurrent loans | 113.0086% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 2,328 |
| Noncurrent loans to loans | 0.9491% | 1,762 |
| Net loans and leases to total assets | 58.3477% | 3,847 |
| Net loans and leases to deposits | 74.4394% | 3,414 |
| Net loans and leases to core deposits | 77.0995% | 3,589 |
| Total domestic deposits to total assets | 78.3828% | 4,454 |
| Equity capital to assets | 11.5601% | 2,342 |
| Core capital (leverage) ratio | 10.2157% | 3,367 |
| Tier 1 risk-based capital ratio | 13.2841% | 3,725 |
| Total risk-based capital ratio | 14.1218% | 3,843 |
| Memoranda: | ||
| Average total assets | $890,858,500 | 881 |
| Average earning assets | $815,923,000 | 883 |
| Average equity | $100,173,500 | 885 |
| Average total loans | $520,092,000 | 1,037 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,761 |
| Cost of funding earning assets | 0.6474% | 2,413 |
| Net interest margin | 3.7522% | 2,847 |
| Noninterest income to average assets | 0.6373% | 2,114 |
| Noninterest expense to average assets | 2.1730% | 4,399 |
| Loan and lease loss provision to assets | 0.0695% | 2,747 |
| Net operating income to assets | 1.5054% | 1,106 |
| Return on assets (ROA) | 1.4419% | 1,291 |
| Pretax return on assets | 1.7659% | 1,009 |
| Return on Equity (ROE) | 12.8458% | 1,398 |
| Retained earnings to average equity (ytd only) | 1.5070% | 4,531 |
| Net charge-offs to loans | 0.0195% | 3,047 |
| Credit loss provision to net charge-offs | 639.3617% | 541 |
| Earnings coverage of net charge-offs (x) | 175.8723% | 496 |
| Efficiency ratio | 51.3650% | 4,854 |
| Assets per employee ($millions) | 5.5311% | 1,927 |
| Cash dividends to net income (ytd only)* | 88.2683% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,312 |
| Loan loss allowance to noncurrent loans | 192.6984% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 3,193 |
| Noncurrent loans to loans | 0.5510% | 2,622 |
| Net loans and leases to total assets | 57.1677% | 4,031 |
| Net loans and leases to deposits | 72.4546% | 3,628 |
| Net loans and leases to core deposits | 75.0621% | 3,780 |
| Total domestic deposits to total assets | 78.9014% | 4,331 |
| Equity capital to assets | 10.9289% | 2,759 |
| Core capital (leverage) ratio | 10.0484% | 3,524 |
| Tier 1 risk-based capital ratio | 12.6773% | 4,028 |
| Total risk-based capital ratio | 13.4800% | 4,167 |
| Memoranda: | ||
| Average total assets | $864,258,200 | 880 |
| Average earning assets | $794,307,800 | 885 |
| Average equity | $97,012,000 | 874 |
| Average total loans | $481,603,600 | 1,085 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,762 |
| Cost of funding earning assets | 0.6219% | 2,321 |
| Net interest margin | 3.7384% | 2,868 |
| Noninterest income to average assets | 0.6467% | 2,090 |
| Noninterest expense to average assets | 2.1853% | 4,352 |
| Loan and lease loss provision to assets | 0.0698% | 2,570 |
| Net operating income to assets | 1.4120% | 1,448 |
| Return on assets (ROA) | 1.3661% | 1,605 |
| Pretax return on assets | 1.7692% | 1,090 |
| Return on Equity (ROE) | 12.0876% | 1,764 |
| Retained earnings to average equity (ytd only) | 5.2103% | 3,111 |
| Net charge-offs to loans | -0.0073% | 4,315 |
| Credit loss provision to net charge-offs | -1,726.9231% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6602% | 4,844 |
| Assets per employee ($millions) | 5.3682% | 2,059 |
| Cash dividends to net income (ytd only)* | 56.8958% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 3,170 |
| Loan loss allowance to noncurrent loans | 374.8102% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 4,044 |
| Noncurrent loans to loans | 0.2945% | 3,622 |
| Net loans and leases to total assets | 55.6002% | 4,245 |
| Net loans and leases to deposits | 71.5317% | 3,804 |
| Net loans and leases to core deposits | 74.2549% | 3,932 |
| Total domestic deposits to total assets | 77.7280% | 4,525 |
| Equity capital to assets | 11.1902% | 2,486 |
| Core capital (leverage) ratio | 10.2778% | 3,326 |
| Tier 1 risk-based capital ratio | 13.5226% | 3,615 |
| Total risk-based capital ratio | 14.3529% | 3,758 |
| Memoranda: | ||
| Average total assets | $857,695,250 | 886 |
| Average earning assets | $788,274,000 | 888 |
| Average equity | $96,934,250 | 870 |
| Average total loans | $473,367,750 | 1,098 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2891% | 2,803 |
| Cost of funding earning assets | 0.5893% | 2,298 |
| Net interest margin | 3.6998% | 2,927 |
| Noninterest income to average assets | 0.6240% | 2,211 |
| Noninterest expense to average assets | 2.1481% | 4,492 |
| Loan and lease loss provision to assets | 0.0709% | 2,469 |
| Net operating income to assets | 1.4763% | 1,211 |
| Return on assets (ROA) | 1.4358% | 1,325 |
| Pretax return on assets | 1.7659% | 1,048 |
| Return on Equity (ROE) | 12.6617% | 1,488 |
| Retained earnings to average equity (ytd only) | 2.3104% | 4,348 |
| Net charge-offs to loans | 0.0068% | 2,890 |
| Credit loss provision to net charge-offs | 1,887.5000% | 223 |
| Earnings coverage of net charge-offs (x) | 502.3125% | 176 |
| Efficiency ratio | 51.2597% | 4,949 |
| Assets per employee ($millions) | 5.3792% | 2,011 |
| Cash dividends to net income (ytd only)* | 81.7528% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,349 |
| Loan loss allowance to noncurrent loans | 299.7713% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 3,872 |
| Noncurrent loans to loans | 0.3623% | 3,397 |
| Net loans and leases to total assets | 55.8322% | 4,179 |
| Net loans and leases to deposits | 69.9795% | 3,859 |
| Net loans and leases to core deposits | 72.1312% | 3,998 |
| Total domestic deposits to total assets | 79.7836% | 4,286 |
| Equity capital to assets | 11.2508% | 2,407 |
| Core capital (leverage) ratio | 10.1265% | 3,451 |
| Tier 1 risk-based capital ratio | 13.7482% | 3,481 |
| Total risk-based capital ratio | 14.5900% | 3,631 |
| Memoranda: | ||
| Average total assets | $851,920,000 | 893 |
| Average earning assets | $785,389,330 | 893 |
| Average equity | $96,606,670 | 876 |
| Average total loans | $467,175,670 | 1,119 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 2,710 |
| Cost of funding earning assets | 0.5788% | 2,184 |
| Net interest margin | 3.6714% | 2,914 |
| Noninterest income to average assets | 0.6304% | 2,127 |
| Noninterest expense to average assets | 1.9985% | 4,853 |
| Loan and lease loss provision to assets | 0.0706% | 2,350 |
| Net operating income to assets | 1.5403% | 980 |
| Return on assets (ROA) | 1.5422% | 982 |
| Pretax return on assets | 1.9477% | 645 |
| Return on Equity (ROE) | 13.5460% | 1,121 |
| Retained earnings to average equity (ytd only) | 1.1488% | 4,588 |
| Net charge-offs to loans | -0.0305% | 4,748 |
| Credit loss provision to net charge-offs | -428.5714% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7909% | 5,202 |
| Assets per employee ($millions) | 5.3756% | 2,066 |
| Cash dividends to net income (ytd only)* | 91.5192% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,319 |
| Loan loss allowance to noncurrent loans | 223.2306% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 3,513 |
| Noncurrent loans to loans | 0.4968% | 3,031 |
| Net loans and leases to total assets | 54.6671% | 4,230 |
| Net loans and leases to deposits | 69.1968% | 3,858 |
| Net loans and leases to core deposits | 79.4674% | 3,365 |
| Total domestic deposits to total assets | 79.0024% | 4,579 |
| Equity capital to assets | 11.4066% | 2,210 |
| Core capital (leverage) ratio | 10.0115% | 3,523 |
| Tier 1 risk-based capital ratio | 13.9082% | 3,427 |
| Total risk-based capital ratio | 14.7532% | 3,562 |
| Memoranda: | ||
| Average total assets | $850,231,500 | 896 |
| Average earning assets | $783,674,500 | 899 |
| Average equity | $96,796,000 | 876 |
| Average total loans | $459,376,500 | 1,140 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 2,066 |
| Cost of funding earning assets | 0.5050% | 2,284 |
| Net interest margin | 3.8817% | 2,145 |
| Noninterest income to average assets | 0.5602% | 2,654 |
| Noninterest expense to average assets | 2.2779% | 4,394 |
| Loan and lease loss provision to assets | 0.0006% | 4,221 |
| Net operating income to assets | 1.4106% | 991 |
| Return on assets (ROA) | 1.4320% | 961 |
| Pretax return on assets | 1.8791% | 631 |
| Return on Equity (ROE) | 12.6463% | 1,040 |
| Retained earnings to average equity (ytd only) | 9.8268% | 378 |
| Net charge-offs to loans | 0.0045% | 3,926 |
| Credit loss provision to net charge-offs | 22.2222% | 3,596 |
| Earnings coverage of net charge-offs (x) | 741.0000% | 112 |
| Efficiency ratio | 54.0204% | 4,950 |
| Assets per employee ($millions) | 5.7078% | 1,746 |
| Cash dividends to net income (ytd only)* | 22.2955% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,410 |
| Loan loss allowance to noncurrent loans | 270.3764% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 3,817 |
| Noncurrent loans to loans | 0.4027% | 3,319 |
| Net loans and leases to total assets | 52.2377% | 4,505 |
| Net loans and leases to deposits | 66.0860% | 4,183 |
| Net loans and leases to core deposits | 76.2587% | 3,719 |
| Total domestic deposits to total assets | 79.0450% | 4,533 |
| Equity capital to assets | 11.3633% | 2,314 |
| Core capital (leverage) ratio | 9.9909% | 3,469 |
| Tier 1 risk-based capital ratio | 13.9132% | 3,411 |
| Total risk-based capital ratio | 14.7248% | 3,552 |
| Memoranda: | ||
| Average total assets | $720,403,800 | 1,016 |
| Average earning assets | $662,388,400 | 1,020 |
| Average equity | $81,573,000 | 996 |
| Average total loans | $397,666,200 | 1,237 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 2,006 |
| Cost of funding earning assets | 0.5290% | 2,044 |
| Net interest margin | 3.8542% | 2,204 |
| Noninterest income to average assets | 0.5066% | 2,997 |
| Noninterest expense to average assets | 2.2612% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2999% | 1,330 |
| Return on assets (ROA) | 1.3260% | 1,290 |
| Pretax return on assets | 1.8264% | 833 |
| Return on Equity (ROE) | 11.7238% | 1,419 |
| Retained earnings to average equity (ytd only) | 10.0030% | 584 |
| Net charge-offs to loans | -0.0873% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8075% | 4,769 |
| Assets per employee ($millions) | 5.9979% | 1,498 |
| Cash dividends to net income (ytd only)* | 14.6778% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 3,197 |
| Loan loss allowance to noncurrent loans | 225.4318% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 3,775 |
| Noncurrent loans to loans | 0.5105% | 3,174 |
| Net loans and leases to total assets | 51.5681% | 4,607 |
| Net loans and leases to deposits | 64.9084% | 4,326 |
| Net loans and leases to core deposits | 75.6275% | 3,827 |
| Total domestic deposits to total assets | 79.4476% | 4,449 |
| Equity capital to assets | 11.1969% | 2,675 |
| Core capital (leverage) ratio | 9.5779% | 4,055 |
| Tier 1 risk-based capital ratio | 13.6967% | 3,579 |
| Total risk-based capital ratio | 14.5649% | 3,729 |
| Memoranda: | ||
| Average total assets | $685,035,500 | 1,071 |
| Average earning assets | $630,111,500 | 1,074 |
| Average equity | $77,481,750 | 1,046 |
| Average total loans | $383,287,500 | 1,289 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 1,535 |
| Cost of funding earning assets | 0.4530% | 2,572 |
| Net interest margin | 4.0385% | 1,489 |
| Noninterest income to average assets | 0.5126% | 2,948 |
| Noninterest expense to average assets | 1.9568% | 5,062 |
| Loan and lease loss provision to assets | -0.0003% | 5,511 |
| Net operating income to assets | 1.8303% | 427 |
| Return on assets (ROA) | 1.8788% | 401 |
| Pretax return on assets | 2.3404% | 275 |
| Return on Equity (ROE) | 16.5337% | 453 |
| Retained earnings to average equity (ytd only) | 13.7108% | 202 |
| Net charge-offs to loans | -0.1640% | 5,544 |
| Credit loss provision to net charge-offs | 0.3390% | 2,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1911% | 5,456 |
| Assets per employee ($millions) | 6.5730% | 1,112 |
| Cash dividends to net income (ytd only)* | 17.0736% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,792 |
| Loan loss allowance to noncurrent loans | 511.5646% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 4,481 |
| Noncurrent loans to loans | 0.2808% | 4,032 |
| Net loans and leases to total assets | 57.2310% | 4,101 |
| Net loans and leases to deposits | 76.5578% | 3,279 |
| Net loans and leases to core deposits | 103.3684% | 1,405 |
| Total domestic deposits to total assets | 74.7553% | 5,229 |
| Equity capital to assets | 11.8369% | 2,053 |
| Core capital (leverage) ratio | 11.3648% | 2,076 |
| Tier 1 risk-based capital ratio | 14.6056% | 3,110 |
| Total risk-based capital ratio | 15.7192% | 3,106 |
| Memoranda: | ||
| Average total assets | $623,481,330 | 1,166 |
| Average earning assets | $574,872,000 | 1,170 |
| Average equity | $70,849,330 | 1,127 |
| Average total loans | $359,814,000 | 1,359 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 1,253 |
| Cost of funding earning assets | 0.4564% | 2,466 |
| Net interest margin | 4.0953% | 1,225 |
| Noninterest income to average assets | 0.5073% | 2,927 |
| Noninterest expense to average assets | 1.8376% | 5,323 |
| Loan and lease loss provision to assets | -0.0006% | 5,628 |
| Net operating income to assets | 1.9622% | 324 |
| Return on assets (ROA) | 1.8925% | 385 |
| Pretax return on assets | 2.3540% | 272 |
| Return on Equity (ROE) | 17.0149% | 410 |
| Retained earnings to average equity (ytd only) | 11.2117% | 571 |
| Net charge-offs to loans | -0.3007% | 5,685 |
| Credit loss provision to net charge-offs | 0.3731% | 2,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9541% | 5,627 |
| Assets per employee ($millions) | 6.6246% | 1,119 |
| Cash dividends to net income (ytd only)* | 34.1064% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,830 |
| Loan loss allowance to noncurrent loans | 486.7100% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 4,359 |
| Noncurrent loans to loans | 0.2999% | 4,039 |
| Net loans and leases to total assets | 56.7795% | 4,090 |
| Net loans and leases to deposits | 74.6637% | 3,339 |
| Net loans and leases to core deposits | 100.1462% | 1,498 |
| Total domestic deposits to total assets | 76.0470% | 5,226 |
| Equity capital to assets | 11.3162% | 2,337 |
| Core capital (leverage) ratio | 11.0869% | 2,281 |
| Tier 1 risk-based capital ratio | 14.1971% | 3,364 |
| Total risk-based capital ratio | 15.3219% | 3,349 |
| Memoranda: | ||
| Average total assets | $619,716,500 | 1,172 |
| Average earning assets | $570,603,500 | 1,179 |
| Average equity | $68,928,000 | 1,152 |
| Average total loans | $356,522,000 | 1,374 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 1,831 |
| Cost of funding earning assets | 0.6179% | 1,224 |
| Net interest margin | 3.7786% | 2,398 |
| Noninterest income to average assets | 0.5731% | 2,797 |
| Noninterest expense to average assets | 2.0792% | 5,036 |
| Loan and lease loss provision to assets | 0.0177% | 4,027 |
| Net operating income to assets | 1.4074% | 999 |
| Return on assets (ROA) | 1.5501% | 784 |
| Pretax return on assets | 2.1709% | 347 |
| Return on Equity (ROE) | 13.0920% | 973 |
| Retained earnings to average equity (ytd only) | 10.1080% | 394 |
| Net charge-offs to loans | 0.1431% | 1,828 |
| Credit loss provision to net charge-offs | 20.7469% | 3,671 |
| Earnings coverage of net charge-offs (x) | 23.3423% | 1,690 |
| Efficiency ratio | 51.1272% | 5,430 |
| Assets per employee ($millions) | 6.8524% | 982 |
| Cash dividends to net income (ytd only)* | 22.7920% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 2,061 |
| Loan loss allowance to noncurrent loans | 396.0159% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 4,444 |
| Noncurrent loans to loans | 0.3543% | 3,861 |
| Net loans and leases to total assets | 56.6325% | 4,206 |
| Net loans and leases to deposits | 75.0428% | 3,408 |
| Net loans and leases to core deposits | 105.1376% | 1,191 |
| Total domestic deposits to total assets | 75.4669% | 5,300 |
| Equity capital to assets | 10.9269% | 2,688 |
| Core capital (leverage) ratio | 11.1520% | 2,202 |
| Tier 1 risk-based capital ratio | 13.9849% | 3,471 |
| Total risk-based capital ratio | 15.0679% | 3,479 |
| Memoranda: | ||
| Average total assets | $566,091,200 | 1,231 |
| Average earning assets | $523,394,400 | 1,229 |
| Average equity | $67,025,800 | 1,167 |
| Average total loans | $336,759,200 | 1,385 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 1,743 |
| Cost of funding earning assets | 0.6479% | 1,070 |
| Net interest margin | 3.7875% | 2,376 |
| Noninterest income to average assets | 0.5828% | 2,748 |
| Noninterest expense to average assets | 2.0762% | 5,051 |
| Loan and lease loss provision to assets | 0.0239% | 3,770 |
| Net operating income to assets | 1.4260% | 1,014 |
| Return on assets (ROA) | 1.6980% | 630 |
| Pretax return on assets | 2.3684% | 272 |
| Return on Equity (ROE) | 14.0391% | 820 |
| Retained earnings to average equity (ytd only) | 10.0552% | 567 |
| Net charge-offs to loans | -0.0369% | 5,246 |
| Credit loss provision to net charge-offs | -107.6087% | 4,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7538% | 5,454 |
| Assets per employee ($millions) | 6.4490% | 1,139 |
| Cash dividends to net income (ytd only)* | 28.3768% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 1,495 |
| Loan loss allowance to noncurrent loans | 193.8112% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 3,444 |
| Noncurrent loans to loans | 0.8218% | 2,616 |
| Net loans and leases to total assets | 59.6698% | 3,922 |
| Net loans and leases to deposits | 79.7282% | 3,000 |
| Net loans and leases to core deposits | 106.9020% | 1,117 |
| Total domestic deposits to total assets | 74.8415% | 5,351 |
| Equity capital to assets | 12.1753% | 1,994 |
| Core capital (leverage) ratio | 11.1459% | 2,314 |
| Tier 1 risk-based capital ratio | 14.1704% | 3,468 |
| Total risk-based capital ratio | 15.4204% | 3,397 |
| Memoranda: | ||
| Average total assets | $553,434,750 | 1,259 |
| Average earning assets | $512,588,000 | 1,253 |
| Average equity | $66,935,250 | 1,178 |
| Average total loans | $332,391,000 | 1,404 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 1,983 |
| Cost of funding earning assets | 0.6657% | 959 |
| Net interest margin | 3.6843% | 2,758 |
| Noninterest income to average assets | 0.5734% | 2,775 |
| Noninterest expense to average assets | 1.9440% | 5,382 |
| Loan and lease loss provision to assets | 0.0362% | 3,432 |
| Net operating income to assets | 1.5565% | 794 |
| Return on assets (ROA) | 1.8756% | 436 |
| Pretax return on assets | 2.4065% | 250 |
| Return on Equity (ROE) | 15.5444% | 602 |
| Retained earnings to average equity (ytd only) | 9.4795% | 724 |
| Net charge-offs to loans | 0.0300% | 2,875 |
| Credit loss provision to net charge-offs | 202.0408% | 1,294 |
| Earnings coverage of net charge-offs (x) | 113.4286% | 514 |
| Efficiency ratio | 48.8731% | 5,629 |
| Assets per employee ($millions) | 6.5513% | 1,061 |
| Cash dividends to net income (ytd only)* | 39.0168% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 1,525 |
| Loan loss allowance to noncurrent loans | 152.1262% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 3,086 |
| Noncurrent loans to loans | 1.0528% | 2,180 |
| Net loans and leases to total assets | 59.5973% | 3,940 |
| Net loans and leases to deposits | 79.6472% | 2,976 |
| Net loans and leases to core deposits | 104.6027% | 1,276 |
| Total domestic deposits to total assets | 74.8266% | 5,434 |
| Equity capital to assets | 12.2655% | 1,928 |
| Core capital (leverage) ratio | 11.1027% | 2,324 |
| Tier 1 risk-based capital ratio | 14.2363% | 3,478 |
| Total risk-based capital ratio | 15.4865% | 3,394 |
| Memoranda: | ||
| Average total assets | $546,591,670 | 1,275 |
| Average earning assets | $505,057,330 | 1,273 |
| Average equity | $65,953,000 | 1,195 |
| Average total loans | $327,179,330 | 1,425 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,050 |
| Cost of funding earning assets | 0.7167% | 743 |
| Net interest margin | 3.6075% | 3,055 |
| Noninterest income to average assets | 0.5740% | 2,661 |
| Noninterest expense to average assets | 1.8550% | 5,583 |
| Loan and lease loss provision to assets | 0.0731% | 2,495 |
| Net operating income to assets | 1.5571% | 773 |
| Return on assets (ROA) | 1.9983% | 353 |
| Pretax return on assets | 2.5361% | 226 |
| Return on Equity (ROE) | 16.7031% | 468 |
| Retained earnings to average equity (ytd only) | 10.5282% | 735 |
| Net charge-offs to loans | -0.0149% | 4,709 |
| Credit loss provision to net charge-offs | -825.0000% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4939% | 5,745 |
| Assets per employee ($millions) | 6.5232% | 1,095 |
| Cash dividends to net income (ytd only)* | 36.9686% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 1,470 |
| Loan loss allowance to noncurrent loans | 235.1700% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 3,834 |
| Noncurrent loans to loans | 0.7036% | 3,086 |
| Net loans and leases to total assets | 59.2564% | 3,881 |
| Net loans and leases to deposits | 76.0801% | 3,214 |
| Net loans and leases to core deposits | 100.9627% | 1,407 |
| Total domestic deposits to total assets | 77.8868% | 5,167 |
| Equity capital to assets | 11.9849% | 2,038 |
| Core capital (leverage) ratio | 11.0931% | 2,321 |
| Tier 1 risk-based capital ratio | 14.1923% | 3,568 |
| Total risk-based capital ratio | 15.4430% | 3,503 |
| Memoranda: | ||
| Average total assets | $541,457,000 | 1,283 |
| Average earning assets | $500,068,000 | 1,285 |
| Average equity | $64,778,500 | 1,205 |
| Average total loans | $322,131,000 | 1,437 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,363 |
| Cost of funding earning assets | 0.6514% | 1,069 |
| Net interest margin | 3.6057% | 3,107 |
| Noninterest income to average assets | 0.5968% | 2,733 |
| Noninterest expense to average assets | 1.9793% | 5,500 |
| Loan and lease loss provision to assets | 0.1169% | 2,040 |
| Net operating income to assets | 1.3647% | 1,115 |
| Return on assets (ROA) | 1.5336% | 837 |
| Pretax return on assets | 2.0721% | 464 |
| Return on Equity (ROE) | 12.9277% | 1,074 |
| Retained earnings to average equity (ytd only) | 8.0104% | 911 |
| Net charge-offs to loans | -0.0287% | 5,381 |
| Credit loss provision to net charge-offs | -715.4762% | 5,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2369% | 5,749 |
| Assets per employee ($millions) | 6.4454% | 1,121 |
| Cash dividends to net income (ytd only)* | 38.0373% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 1,340 |
| Loan loss allowance to noncurrent loans | 242.8312% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 3,912 |
| Noncurrent loans to loans | 0.7017% | 3,090 |
| Net loans and leases to total assets | 57.7145% | 4,118 |
| Net loans and leases to deposits | 73.4320% | 3,561 |
| Net loans and leases to core deposits | 98.4375% | 1,641 |
| Total domestic deposits to total assets | 78.5958% | 5,052 |
| Equity capital to assets | 11.9421% | 2,001 |
| Core capital (leverage) ratio | 11.2558% | 2,154 |
| Tier 1 risk-based capital ratio | 14.2168% | 3,599 |
| Total risk-based capital ratio | 15.4678% | 3,513 |
| Memoranda: | ||
| Average total assets | $514,267,400 | 1,304 |
| Average earning assets | $476,823,200 | 1,296 |
| Average equity | $61,008,400 | 1,242 |
| Average total loans | $292,830,600 | 1,492 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 2,475 |
| Cost of funding earning assets | 0.6592% | 1,039 |
| Net interest margin | 3.5727% | 3,264 |
| Noninterest income to average assets | 0.6016% | 2,730 |
| Noninterest expense to average assets | 1.9674% | 5,536 |
| Loan and lease loss provision to assets | 0.1571% | 1,372 |
| Net operating income to assets | 1.3381% | 1,249 |
| Return on assets (ROA) | 1.5033% | 951 |
| Pretax return on assets | 2.0101% | 591 |
| Return on Equity (ROE) | 12.6941% | 1,197 |
| Retained earnings to average equity (ytd only) | 6.0595% | 2,205 |
| Net charge-offs to loans | 0.0121% | 3,753 |
| Credit loss provision to net charge-offs | 2,307.6923% | 155 |
| Earnings coverage of net charge-offs (x) | 285.8884% | 249 |
| Efficiency ratio | 50.2609% | 5,761 |
| Assets per employee ($millions) | 6.4413% | 1,092 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 1,301 |
| Loan loss allowance to noncurrent loans | 219.3805% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 3,747 |
| Noncurrent loans to loans | 0.8126% | 2,939 |
| Net loans and leases to total assets | 56.0341% | 4,353 |
| Net loans and leases to deposits | 71.4193% | 3,832 |
| Net loans and leases to core deposits | 94.0149% | 2,073 |
| Total domestic deposits to total assets | 78.4578% | 5,095 |
| Equity capital to assets | 11.7887% | 2,278 |
| Core capital (leverage) ratio | 10.8304% | 2,667 |
| Tier 1 risk-based capital ratio | 14.4826% | 3,586 |
| Total risk-based capital ratio | 15.7340% | 3,494 |
| Memoranda: | ||
| Average total assets | $509,092,750 | 1,323 |
| Average earning assets | $472,048,500 | 1,314 |
| Average equity | $60,289,000 | 1,269 |
| Average total loans | $287,512,000 | 1,523 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 2,542 |
| Cost of funding earning assets | 0.6506% | 1,098 |
| Net interest margin | 3.5493% | 3,294 |
| Noninterest income to average assets | 0.5503% | 3,040 |
| Noninterest expense to average assets | 1.9293% | 5,665 |
| Loan and lease loss provision to assets | 0.1574% | 1,351 |
| Net operating income to assets | 1.4542% | 977 |
| Return on assets (ROA) | 1.6788% | 675 |
| Pretax return on assets | 2.0106% | 584 |
| Return on Equity (ROE) | 14.1546% | 873 |
| Retained earnings to average equity (ytd only) | 10.8288% | 526 |
| Net charge-offs to loans | -0.0470% | 5,522 |
| Credit loss provision to net charge-offs | -595.5224% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3759% | 5,833 |
| Assets per employee ($millions) | 6.5808% | 1,018 |
| Cash dividends to net income (ytd only)* | 23.4962% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8198% | 1,333 |
| Loan loss allowance to noncurrent loans | 148.2669% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 3,193 |
| Noncurrent loans to loans | 1.2274% | 2,199 |
| Net loans and leases to total assets | 52.6025% | 4,693 |
| Net loans and leases to deposits | 66.3483% | 4,304 |
| Net loans and leases to core deposits | 88.8710% | 2,467 |
| Total domestic deposits to total assets | 79.2824% | 5,031 |
| Equity capital to assets | 11.5572% | 2,365 |
| Core capital (leverage) ratio | 11.1323% | 2,305 |
| Tier 1 risk-based capital ratio | 15.0600% | 3,325 |
| Total risk-based capital ratio | 16.3118% | 3,262 |
| Memoranda: | ||
| Average total assets | $507,021,670 | 1,338 |
| Average earning assets | $468,491,670 | 1,336 |
| Average equity | $60,136,000 | 1,276 |
| Average total loans | $285,353,330 | 1,534 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 2,357 |
| Cost of funding earning assets | 0.6450% | 1,152 |
| Net interest margin | 3.5825% | 3,069 |
| Noninterest income to average assets | 0.5743% | 2,809 |
| Noninterest expense to average assets | 1.9481% | 5,670 |
| Loan and lease loss provision to assets | 0.2011% | 922 |
| Net operating income to assets | 1.4646% | 915 |
| Return on assets (ROA) | 1.7599% | 550 |
| Pretax return on assets | 2.0961% | 485 |
| Return on Equity (ROE) | 14.6399% | 766 |
| Retained earnings to average equity (ytd only) | 7.9489% | 1,589 |
| Net charge-offs to loans | -0.0850% | 5,781 |
| Credit loss provision to net charge-offs | -409.8361% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0310% | 5,913 |
| Assets per employee ($millions) | 6.2865% | 1,196 |
| Cash dividends to net income (ytd only)* | 45.7038% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 1,630 |
| Loan loss allowance to noncurrent loans | 228.2439% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 3,977 |
| Noncurrent loans to loans | 0.7631% | 3,348 |
| Net loans and leases to total assets | 56.5460% | 4,145 |
| Net loans and leases to deposits | 72.8683% | 3,449 |
| Net loans and leases to core deposits | 91.0428% | 2,026 |
| Total domestic deposits to total assets | 77.6003% | 5,517 |
| Equity capital to assets | 12.2244% | 1,870 |
| Core capital (leverage) ratio | 11.0546% | 2,360 |
| Tier 1 risk-based capital ratio | 13.7043% | 4,219 |
| Total risk-based capital ratio | 14.9477% | 4,127 |
| Memoranda: | ||
| Average total assets | $497,302,500 | 1,367 |
| Average earning assets | $460,794,500 | 1,358 |
| Average equity | $59,782,000 | 1,285 |
| Average total loans | $286,998,000 | 1,529 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,498 |
| Cost of funding earning assets | 0.6756% | 1,235 |
| Net interest margin | 3.6534% | 3,207 |
| Noninterest income to average assets | 0.6661% | 2,474 |
| Noninterest expense to average assets | 2.0385% | 5,699 |
| Loan and lease loss provision to assets | 0.2084% | 1,205 |
| Net operating income to assets | 1.3314% | 1,230 |
| Return on assets (ROA) | 1.4313% | 1,049 |
| Pretax return on assets | 1.9073% | 633 |
| Return on Equity (ROE) | 12.3776% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.7805% | 751 |
| Net charge-offs to loans | 0.6142% | 641 |
| Credit loss provision to net charge-offs | 59.3602% | 3,300 |
| Earnings coverage of net charge-offs (x) | 5.6475% | 3,382 |
| Efficiency ratio | 50.6956% | 6,054 |
| Assets per employee ($millions) | 6.3034% | 1,182 |
| Cash dividends to net income (ytd only)* | 29.0613% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 2,033 |
| Loan loss allowance to noncurrent loans | 91.5800% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1017% | 2,549 |
| Noncurrent loans to loans | 1.7679% | 1,627 |
| Net loans and leases to total assets | 56.9361% | 4,207 |
| Net loans and leases to deposits | 74.1458% | 3,417 |
| Net loans and leases to core deposits | 91.4139% | 2,151 |
| Total domestic deposits to total assets | 76.7893% | 5,632 |
| Equity capital to assets | 11.8186% | 2,157 |
| Core capital (leverage) ratio | 10.5996% | 2,838 |
| Tier 1 risk-based capital ratio | 13.6466% | 4,326 |
| Total risk-based capital ratio | 14.8706% | 4,277 |
| Memoranda: | ||
| Average total assets | $480,838,400 | 1,389 |
| Average earning assets | $441,562,600 | 1,384 |
| Average equity | $55,600,600 | 1,311 |
| Average total loans | $274,837,000 | 1,547 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 2,538 |
| Cost of funding earning assets | 0.6887% | 1,209 |
| Net interest margin | 3.6323% | 3,300 |
| Noninterest income to average assets | 0.6485% | 2,582 |
| Noninterest expense to average assets | 2.0788% | 5,624 |
| Loan and lease loss provision to assets | 0.0842% | 2,670 |
| Net operating income to assets | 1.4058% | 1,120 |
| Return on assets (ROA) | 1.5234% | 931 |
| Pretax return on assets | 1.9657% | 616 |
| Return on Equity (ROE) | 13.2509% | 1,155 |
| Retained earnings to average equity (ytd only) | 10.8173% | 547 |
| Net charge-offs to loans | -0.1625% | 6,261 |
| Credit loss provision to net charge-offs | -90.9366% | 5,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2834% | 5,972 |
| Assets per employee ($millions) | 6.3014% | 1,149 |
| Cash dividends to net income (ytd only)* | 18.3655% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1394% | 1,037 |
| Loan loss allowance to noncurrent loans | 90.2851% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.4102% | 2,191 |
| Noncurrent loans to loans | 2.3696% | 1,257 |
| Net loans and leases to total assets | 54.9939% | 4,463 |
| Net loans and leases to deposits | 70.1762% | 3,901 |
| Net loans and leases to core deposits | 90.9489% | 2,126 |
| Total domestic deposits to total assets | 78.3656% | 5,456 |
| Equity capital to assets | 11.7279% | 2,287 |
| Core capital (leverage) ratio | 10.5859% | 2,942 |
| Tier 1 risk-based capital ratio | 13.8120% | 4,350 |
| Total risk-based capital ratio | 15.0341% | 4,297 |
| Memoranda: | ||
| Average total assets | $476,555,750 | 1,415 |
| Average earning assets | $436,549,750 | 1,414 |
| Average equity | $54,787,500 | 1,338 |
| Average total loans | $271,498,750 | 1,573 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 2,262 |
| Cost of funding earning assets | 0.6878% | 1,253 |
| Net interest margin | 3.6898% | 3,001 |
| Noninterest income to average assets | 0.6100% | 2,767 |
| Noninterest expense to average assets | 2.0875% | 5,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4356% | 989 |
| Return on assets (ROA) | 1.4940% | 913 |
| Pretax return on assets | 1.9852% | 579 |
| Return on Equity (ROE) | 13.0885% | 1,152 |
| Retained earnings to average equity (ytd only) | 9.3564% | 865 |
| Net charge-offs to loans | -0.2352% | 6,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2555% | 6,047 |
| Assets per employee ($millions) | 6.0687% | 1,240 |
| Cash dividends to net income (ytd only)* | 28.5144% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1100% | 1,162 |
| Loan loss allowance to noncurrent loans | 81.3226% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.5441% | 2,110 |
| Noncurrent loans to loans | 2.5946% | 1,188 |
| Net loans and leases to total assets | 54.8581% | 4,426 |
| Net loans and leases to deposits | 70.1642% | 3,805 |
| Net loans and leases to core deposits | 84.4942% | 2,687 |
| Total domestic deposits to total assets | 78.1853% | 5,601 |
| Equity capital to assets | 11.7146% | 2,230 |
| Core capital (leverage) ratio | 10.6086% | 2,814 |
| Tier 1 risk-based capital ratio | 13.8638% | 4,340 |
| Total risk-based capital ratio | 15.0842% | 4,319 |
| Memoranda: | ||
| Average total assets | $469,470,000 | 1,430 |
| Average earning assets | $430,643,330 | 1,436 |
| Average equity | $53,589,000 | 1,355 |
| Average total loans | $268,747,670 | 1,587 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 2,380 |
| Cost of funding earning assets | 0.7177% | 1,136 |
| Net interest margin | 3.6192% | 3,174 |
| Noninterest income to average assets | 0.6295% | 2,572 |
| Noninterest expense to average assets | 2.1314% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4556% | 889 |
| Return on assets (ROA) | 1.3658% | 1,110 |
| Pretax return on assets | 1.7197% | 936 |
| Return on Equity (ROE) | 12.1296% | 1,376 |
| Retained earnings to average equity (ytd only) | 4.4817% | 3,430 |
| Net charge-offs to loans | -0.3944% | 6,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1277% | 6,079 |
| Assets per employee ($millions) | 5.9091% | 1,370 |
| Cash dividends to net income (ytd only)* | 63.0517% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0979% | 1,326 |
| Loan loss allowance to noncurrent loans | 242.5734% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 4,298 |
| Noncurrent loans to loans | 0.8649% | 3,732 |
| Net loans and leases to total assets | 56.8811% | 4,023 |
| Net loans and leases to deposits | 72.7849% | 3,237 |
| Net loans and leases to core deposits | 86.4631% | 2,271 |
| Total domestic deposits to total assets | 78.1496% | 5,812 |
| Equity capital to assets | 11.5492% | 2,205 |
| Core capital (leverage) ratio | 10.2110% | 3,279 |
| Tier 1 risk-based capital ratio | 13.5632% | 4,633 |
| Total risk-based capital ratio | 14.7833% | 4,596 |
| Memoranda: | ||
| Average total assets | $464,491,000 | 1,452 |
| Average earning assets | $428,050,500 | 1,451 |
| Average equity | $52,302,000 | 1,383 |
| Average total loans | $268,784,500 | 1,586 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 2,570 |
| Cost of funding earning assets | 0.7658% | 1,406 |
| Net interest margin | 3.6393% | 3,286 |
| Noninterest income to average assets | 0.7557% | 2,264 |
| Noninterest expense to average assets | 2.1264% | 5,776 |
| Loan and lease loss provision to assets | 0.0437% | 4,246 |
| Net operating income to assets | 1.3617% | 1,103 |
| Return on assets (ROA) | 1.4510% | 952 |
| Pretax return on assets | 2.0015% | 477 |
| Return on Equity (ROE) | 13.2888% | 1,110 |
| Retained earnings to average equity (ytd only) | 9.8891% | 579 |
| Net charge-offs to loans | 0.1285% | 3,528 |
| Credit loss provision to net charge-offs | 60.2410% | 3,555 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,293 |
| Efficiency ratio | 52.5356% | 6,248 |
| Assets per employee ($millions) | 5.7787% | 1,424 |
| Cash dividends to net income (ytd only)* | 25.5831% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9838% | 1,594 |
| Loan loss allowance to noncurrent loans | 224.8739% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 4,418 |
| Noncurrent loans to loans | 0.8822% | 3,779 |
| Net loans and leases to total assets | 56.4931% | 4,249 |
| Net loans and leases to deposits | 72.8596% | 3,410 |
| Net loans and leases to core deposits | 86.4959% | 2,393 |
| Total domestic deposits to total assets | 77.5369% | 5,896 |
| Equity capital to assets | 10.9754% | 2,631 |
| Core capital (leverage) ratio | 10.3106% | 3,137 |
| Tier 1 risk-based capital ratio | 13.1635% | 4,874 |
| Total risk-based capital ratio | 14.3829% | 4,838 |
| Memoranda: | ||
| Average total assets | $457,965,800 | 1,447 |
| Average earning assets | $414,228,000 | 1,468 |
| Average equity | $50,004,400 | 1,417 |
| Average total loans | $258,294,000 | 1,604 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 2,609 |
| Cost of funding earning assets | 0.7867% | 1,400 |
| Net interest margin | 3.6097% | 3,403 |
| Noninterest income to average assets | 0.7287% | 2,467 |
| Noninterest expense to average assets | 2.1614% | 5,697 |
| Loan and lease loss provision to assets | 0.0586% | 3,877 |
| Net operating income to assets | 1.2469% | 1,494 |
| Return on assets (ROA) | 1.4477% | 1,045 |
| Pretax return on assets | 2.0408% | 525 |
| Return on Equity (ROE) | 13.2760% | 1,177 |
| Retained earnings to average equity (ytd only) | 10.0543% | 778 |
| Net charge-offs to loans | 0.0564% | 4,098 |
| Credit loss provision to net charge-offs | 185.1852% | 1,305 |
| Earnings coverage of net charge-offs (x) | 57.4523% | 781 |
| Efficiency ratio | 54.3347% | 6,083 |
| Assets per employee ($millions) | 5.6958% | 1,450 |
| Cash dividends to net income (ytd only)* | 24.2669% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1271% | 1,453 |
| Loan loss allowance to noncurrent loans | 220.1342% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 4,359 |
| Noncurrent loans to loans | 0.9663% | 3,881 |
| Net loans and leases to total assets | 56.3058% | 4,275 |
| Net loans and leases to deposits | 78.2036% | 2,628 |
| Net loans and leases to core deposits | 86.9034% | 2,296 |
| Total domestic deposits to total assets | 71.9990% | 6,494 |
| Equity capital to assets | 10.9895% | 2,769 |
| Core capital (leverage) ratio | 10.3331% | 3,195 |
| Tier 1 risk-based capital ratio | 13.2543% | 4,935 |
| Total risk-based capital ratio | 14.4741% | 4,907 |
| Memoranda: | ||
| Average total assets | $455,438,500 | 1,464 |
| Average earning assets | $409,961,250 | 1,487 |
| Average equity | $49,662,250 | 1,435 |
| Average total loans | $255,422,000 | 1,626 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 2,514 |
| Cost of funding earning assets | 0.7968% | 1,434 |
| Net interest margin | 3.6170% | 3,295 |
| Noninterest income to average assets | 0.7677% | 2,337 |
| Noninterest expense to average assets | 2.1196% | 5,831 |
| Loan and lease loss provision to assets | 0.0878% | 3,325 |
| Net operating income to assets | 1.2476% | 1,463 |
| Return on assets (ROA) | 1.6273% | 777 |
| Pretax return on assets | 2.3326% | 334 |
| Return on Equity (ROE) | 14.9622% | 817 |
| Retained earnings to average equity (ytd only) | 10.9238% | 655 |
| Net charge-offs to loans | -0.0324% | 6,121 |
| Credit loss provision to net charge-offs | -487.8049% | 5,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0213% | 6,218 |
| Assets per employee ($millions) | 5.3979% | 1,696 |
| Cash dividends to net income (ytd only)* | 26.9906% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3039% | 1,255 |
| Loan loss allowance to noncurrent loans | 179.9749% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 4,134 |
| Noncurrent loans to loans | 1.2801% | 3,414 |
| Net loans and leases to total assets | 54.8481% | 4,471 |
| Net loans and leases to deposits | 75.4479% | 2,954 |
| Net loans and leases to core deposits | 81.4446% | 2,865 |
| Total domestic deposits to total assets | 72.6967% | 6,520 |
| Equity capital to assets | 11.0575% | 2,700 |
| Core capital (leverage) ratio | 10.0775% | 3,407 |
| Tier 1 risk-based capital ratio | 13.1395% | 5,041 |
| Total risk-based capital ratio | 14.3168% | 5,035 |
| Memoranda: | ||
| Average total assets | $455,364,000 | 1,466 |
| Average earning assets | $406,640,000 | 1,495 |
| Average equity | $49,524,670 | 1,443 |
| Average total loans | $253,182,670 | 1,642 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 2,394 |
| Cost of funding earning assets | 0.7943% | 1,560 |
| Net interest margin | 3.6431% | 3,098 |
| Noninterest income to average assets | 0.7121% | 2,528 |
| Noninterest expense to average assets | 2.0904% | 5,929 |
| Loan and lease loss provision to assets | 0.1299% | 2,622 |
| Net operating income to assets | 1.2550% | 1,389 |
| Return on assets (ROA) | 1.7066% | 636 |
| Pretax return on assets | 2.3650% | 319 |
| Return on Equity (ROE) | 15.8184% | 635 |
| Retained earnings to average equity (ytd only) | 7.7887% | 1,829 |
| Net charge-offs to loans | 0.0657% | 3,170 |
| Credit loss provision to net charge-offs | 357.1429% | 696 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 663 |
| Efficiency ratio | 52.8124% | 6,328 |
| Assets per employee ($millions) | 5.4805% | 1,687 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2261% | 1,535 |
| Loan loss allowance to noncurrent loans | 176.1020% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 4,265 |
| Noncurrent loans to loans | 1.2641% | 3,666 |
| Net loans and leases to total assets | 54.0030% | 4,416 |
| Net loans and leases to deposits | 74.5033% | 2,855 |
| Net loans and leases to core deposits | 79.7366% | 2,839 |
| Total domestic deposits to total assets | 72.4841% | 6,634 |
| Equity capital to assets | 10.9749% | 2,980 |
| Core capital (leverage) ratio | 9.5428% | 4,009 |
| Tier 1 risk-based capital ratio | 12.4869% | 5,586 |
| Total risk-based capital ratio | 13.6643% | 5,578 |
| Memoranda: | ||
| Average total assets | $461,734,000 | 1,451 |
| Average earning assets | $411,412,500 | 1,493 |
| Average equity | $49,815,500 | 1,458 |
| Average total loans | $255,526,000 | 1,634 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 1,851 |
| Cost of funding earning assets | 0.9559% | 1,609 |
| Net interest margin | 3.9400% | 2,653 |
| Noninterest income to average assets | 0.9559% | 1,679 |
| Noninterest expense to average assets | 2.2951% | 5,703 |
| Loan and lease loss provision to assets | 0.3242% | 2,100 |
| Net operating income to assets | 1.2805% | 1,366 |
| Return on assets (ROA) | 1.5653% | 881 |
| Pretax return on assets | 2.2511% | 364 |
| Return on Equity (ROE) | 13.7570% | 1,043 |
| Retained earnings to average equity (ytd only) | 8.3379% | 1,019 |
| Net charge-offs to loans | 0.2234% | 3,607 |
| Credit loss provision to net charge-offs | 261.3900% | 921 |
| Earnings coverage of net charge-offs (x) | 17.4826% | 1,502 |
| Efficiency ratio | 51.4189% | 6,496 |
| Assets per employee ($millions) | 5.7145% | 1,510 |
| Cash dividends to net income (ytd only)* | 39.3912% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1108% | 1,742 |
| Loan loss allowance to noncurrent loans | 168.7385% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 4,402 |
| Noncurrent loans to loans | 1.2509% | 3,747 |
| Net loans and leases to total assets | 54.2750% | 4,586 |
| Net loans and leases to deposits | 75.0418% | 2,959 |
| Net loans and leases to core deposits | 80.8636% | 2,894 |
| Total domestic deposits to total assets | 72.3263% | 6,674 |
| Equity capital to assets | 10.6081% | 3,391 |
| Core capital (leverage) ratio | 9.6662% | 3,868 |
| Tier 1 risk-based capital ratio | 12.0109% | 5,782 |
| Total risk-based capital ratio | 13.1889% | 5,779 |
| Memoranda: | ||
| Average total assets | $417,620,000 | 1,570 |
| Average earning assets | $371,798,800 | 1,609 |
| Average equity | $47,517,800 | 1,472 |
| Average total loans | $231,872,000 | 1,754 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 1,669 |
| Cost of funding earning assets | 0.9932% | 1,601 |
| Net interest margin | 4.0186% | 2,428 |
| Noninterest income to average assets | 0.9244% | 1,749 |
| Noninterest expense to average assets | 2.3187% | 5,640 |
| Loan and lease loss provision to assets | 0.3468% | 1,886 |
| Net operating income to assets | 1.3047% | 1,433 |
| Return on assets (ROA) | 1.7150% | 732 |
| Pretax return on assets | 2.4277% | 330 |
| Return on Equity (ROE) | 14.7835% | 937 |
| Retained earnings to average equity (ytd only) | 11.7320% | 576 |
| Net charge-offs to loans | 0.2134% | 3,452 |
| Credit loss provision to net charge-offs | 292.5000% | 927 |
| Earnings coverage of net charge-offs (x) | 18.5277% | 1,550 |
| Efficiency ratio | 51.0247% | 6,516 |
| Assets per employee ($millions) | 5.2815% | 1,846 |
| Cash dividends to net income (ytd only)* | 20.6413% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2877% | 1,544 |
| Loan loss allowance to noncurrent loans | 147.9501% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 1.3565% | 3,590 |
| Noncurrent loans to loans | 1.5462% | 3,471 |
| Net loans and leases to total assets | 54.6764% | 4,643 |
| Net loans and leases to deposits | 76.8075% | 2,856 |
| Net loans and leases to core deposits | 80.1783% | 3,183 |
| Total domestic deposits to total assets | 71.1863% | 6,782 |
| Equity capital to assets | 11.8037% | 2,430 |
| Core capital (leverage) ratio | 10.5910% | 2,810 |
| Tier 1 risk-based capital ratio | 13.1186% | 5,152 |
| Total risk-based capital ratio | 14.2780% | 5,184 |
| Memoranda: | ||
| Average total assets | $404,878,500 | 1,630 |
| Average earning assets | $361,778,000 | 1,672 |
| Average equity | $46,970,250 | 1,501 |
| Average total loans | $224,887,750 | 1,825 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0211% | 1,728 |
| Cost of funding earning assets | 1.0115% | 1,696 |
| Net interest margin | 4.0096% | 2,462 |
| Noninterest income to average assets | 0.8474% | 1,976 |
| Noninterest expense to average assets | 2.2457% | 5,889 |
| Loan and lease loss provision to assets | 0.3753% | 1,743 |
| Net operating income to assets | 1.4063% | 1,181 |
| Return on assets (ROA) | 1.8555% | 577 |
| Pretax return on assets | 2.3945% | 350 |
| Return on Equity (ROE) | 16.0915% | 759 |
| Retained earnings to average equity (ytd only) | 13.6029% | 378 |
| Net charge-offs to loans | -0.1180% | 6,888 |
| Credit loss provision to net charge-offs | -574.0458% | 6,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6700% | 6,600 |
| Assets per employee ($millions) | 5.0509% | 2,107 |
| Cash dividends to net income (ytd only)* | 15.4653% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4403% | 1,363 |
| Loan loss allowance to noncurrent loans | 139.9090% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.4634% | 3,515 |
| Noncurrent loans to loans | 1.7442% | 3,287 |
| Net loans and leases to total assets | 54.7347% | 4,669 |
| Net loans and leases to deposits | 75.9947% | 2,995 |
| Net loans and leases to core deposits | 78.2913% | 3,468 |
| Total domestic deposits to total assets | 72.0243% | 6,801 |
| Equity capital to assets | 11.8784% | 2,241 |
| Core capital (leverage) ratio | 10.6394% | 2,674 |
| Tier 1 risk-based capital ratio | 13.0429% | 5,159 |
| Total risk-based capital ratio | 14.2015% | 5,196 |
| Memoranda: | ||
| Average total assets | $400,759,670 | 1,648 |
| Average earning assets | $358,286,670 | 1,687 |
| Average equity | $46,210,670 | 1,508 |
| Average total loans | $222,027,000 | 1,828 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 1,649 |
| Cost of funding earning assets | 1.0280% | 1,825 |
| Net interest margin | 4.0476% | 2,310 |
| Noninterest income to average assets | 0.8269% | 2,043 |
| Noninterest expense to average assets | 2.3192% | 5,722 |
| Loan and lease loss provision to assets | 0.4540% | 1,356 |
| Net operating income to assets | 1.2587% | 1,578 |
| Return on assets (ROA) | 2.1217% | 392 |
| Pretax return on assets | 2.7882% | 233 |
| Return on Equity (ROE) | 18.6859% | 482 |
| Retained earnings to average equity (ytd only) | 18.6859% | 225 |
| Net charge-offs to loans | -0.1056% | 6,809 |
| Credit loss provision to net charge-offs | -781.0345% | 5,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4004% | 6,501 |
| Assets per employee ($millions) | 4.9184% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3504% | 1,586 |
| Loan loss allowance to noncurrent loans | 117.6511% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5404% | 3,555 |
| Noncurrent loans to loans | 1.9978% | 3,171 |
| Net loans and leases to total assets | 54.4718% | 4,642 |
| Net loans and leases to deposits | 76.2894% | 2,750 |
| Net loans and leases to core deposits | 78.5986% | 3,247 |
| Total domestic deposits to total assets | 71.4016% | 6,911 |
| Equity capital to assets | 11.7441% | 2,225 |
| Core capital (leverage) ratio | 10.5455% | 2,696 |
| Tier 1 risk-based capital ratio | 13.3833% | 4,910 |
| Total risk-based capital ratio | 14.5364% | 4,984 |
| Memoranda: | ||
| Average total assets | $399,105,000 | 1,662 |
| Average earning assets | $354,877,000 | 1,705 |
| Average equity | $45,317,500 | 1,531 |
| Average total loans | $219,691,500 | 1,859 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4150% | 1,376 |
| Cost of funding earning assets | 1.1946% | 2,068 |
| Net interest margin | 4.2205% | 1,994 |
| Noninterest income to average assets | 0.7769% | 2,186 |
| Noninterest expense to average assets | 2.4551% | 5,620 |
| Loan and lease loss provision to assets | 0.6707% | 1,526 |
| Net operating income to assets | 1.1098% | 1,797 |
| Return on assets (ROA) | 1.1524% | 1,771 |
| Pretax return on assets | 1.4621% | 1,586 |
| Return on Equity (ROE) | 11.0072% | 1,697 |
| Retained earnings to average equity (ytd only) | 8.6674% | 888 |
| Net charge-offs to loans | 0.6669% | 2,489 |
| Credit loss provision to net charge-offs | 172.0238% | 1,548 |
| Earnings coverage of net charge-offs (x) | 5.3320% | 2,828 |
| Efficiency ratio | 54.1489% | 6,496 |
| Assets per employee ($millions) | 4.9358% | 2,297 |
| Cash dividends to net income (ytd only)* | 21.2576% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1138% | 1,966 |
| Loan loss allowance to noncurrent loans | 112.9252% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.4311% | 3,843 |
| Noncurrent loans to loans | 1.8718% | 3,382 |
| Net loans and leases to total assets | 53.1812% | 5,142 |
| Net loans and leases to deposits | 74.8399% | 3,370 |
| Net loans and leases to core deposits | 81.3509% | 3,270 |
| Total domestic deposits to total assets | 71.0600% | 6,933 |
| Equity capital to assets | 10.9763% | 3,001 |
| Core capital (leverage) ratio | 10.3334% | 2,932 |
| Tier 1 risk-based capital ratio | 12.5119% | 5,436 |
| Total risk-based capital ratio | 13.6641% | 5,497 |
| Memoranda: | ||
| Average total assets | $387,798,600 | 1,669 |
| Average earning assets | $345,223,400 | 1,723 |
| Average equity | $40,600,600 | 1,659 |
| Average total loans | $226,719,400 | 1,829 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4730% | 1,323 |
| Cost of funding earning assets | 1.2371% | 2,081 |
| Net interest margin | 4.2360% | 1,964 |
| Noninterest income to average assets | 0.7293% | 2,422 |
| Noninterest expense to average assets | 2.5226% | 5,390 |
| Loan and lease loss provision to assets | 0.6956% | 1,392 |
| Net operating income to assets | 0.8789% | 2,825 |
| Return on assets (ROA) | 0.8666% | 3,024 |
| Pretax return on assets | 1.2698% | 2,399 |
| Return on Equity (ROE) | 8.3843% | 2,875 |
| Retained earnings to average equity (ytd only) | 6.0301% | 2,542 |
| Net charge-offs to loans | 0.8072% | 1,945 |
| Credit loss provision to net charge-offs | 144.6855% | 2,190 |
| Earnings coverage of net charge-offs (x) | 4.1258% | 3,169 |
| Efficiency ratio | 55.6353% | 6,329 |
| Assets per employee ($millions) | 4.7194% | 2,599 |
| Cash dividends to net income (ytd only)* | 28.0786% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 2,869 |
| Loan loss allowance to noncurrent loans | 96.6227% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.8711% | 3,306 |
| Noncurrent loans to loans | 1.8826% | 3,529 |
| Net loans and leases to total assets | 58.2581% | 4,462 |
| Net loans and leases to deposits | 85.6370% | 1,733 |
| Net loans and leases to core deposits | 89.4364% | 2,320 |
| Total domestic deposits to total assets | 68.0291% | 7,140 |
| Equity capital to assets | 10.9401% | 3,199 |
| Core capital (leverage) ratio | 9.7050% | 3,840 |
| Tier 1 risk-based capital ratio | 11.7474% | 6,071 |
| Total risk-based capital ratio | 12.8991% | 6,136 |
| Memoranda: | ||
| Average total assets | $383,564,000 | 1,697 |
| Average earning assets | $341,982,500 | 1,743 |
| Average equity | $39,644,500 | 1,702 |
| Average total loans | $228,426,250 | 1,834 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 1,299 |
| Cost of funding earning assets | 1.2616% | 2,173 |
| Net interest margin | 4.2355% | 1,895 |
| Noninterest income to average assets | 0.7709% | 2,155 |
| Noninterest expense to average assets | 2.5359% | 5,417 |
| Loan and lease loss provision to assets | 0.7322% | 1,274 |
| Net operating income to assets | 0.8658% | 2,794 |
| Return on assets (ROA) | 0.8352% | 3,035 |
| Pretax return on assets | 1.2222% | 2,396 |
| Return on Equity (ROE) | 8.2432% | 2,837 |
| Retained earnings to average equity (ytd only) | 6.1785% | 2,311 |
| Net charge-offs to loans | 1.1771% | 1,327 |
| Credit loss provision to net charge-offs | 104.3219% | 2,962 |
| Earnings coverage of net charge-offs (x) | 2.8487% | 3,421 |
| Efficiency ratio | 55.9156% | 6,434 |
| Assets per employee ($millions) | 4.6959% | 2,549 |
| Cash dividends to net income (ytd only)* | 25.0470% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 3,559 |
| Loan loss allowance to noncurrent loans | 80.1640% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.4679% | 2,701 |
| Noncurrent loans to loans | 2.0401% | 3,430 |
| Net loans and leases to total assets | 57.1950% | 4,789 |
| Net loans and leases to deposits | 81.6946% | 2,493 |
| Net loans and leases to core deposits | 86.3404% | 2,857 |
| Total domestic deposits to total assets | 70.0108% | 7,111 |
| Equity capital to assets | 10.6150% | 3,368 |
| Core capital (leverage) ratio | 9.6224% | 3,779 |
| Tier 1 risk-based capital ratio | 12.0590% | 5,740 |
| Total risk-based capital ratio | 13.2049% | 5,797 |
| Memoranda: | ||
| Average total assets | $382,422,000 | 1,712 |
| Average earning assets | $339,892,330 | 1,759 |
| Average equity | $38,747,000 | 1,729 |
| Average total loans | $228,025,000 | 1,858 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5509% | 1,175 |
| Cost of funding earning assets | 1.2937% | 2,216 |
| Net interest margin | 4.2572% | 1,711 |
| Noninterest income to average assets | 0.7240% | 2,424 |
| Noninterest expense to average assets | 2.4713% | 5,662 |
| Loan and lease loss provision to assets | 0.8345% | 998 |
| Net operating income to assets | 0.8531% | 2,766 |
| Return on assets (ROA) | 0.8397% | 2,888 |
| Pretax return on assets | 1.1788% | 2,456 |
| Return on Equity (ROE) | 8.4888% | 2,701 |
| Retained earnings to average equity (ytd only) | 4.2707% | 3,606 |
| Net charge-offs to loans | 0.0242% | 4,747 |
| Credit loss provision to net charge-offs | 5,714.2857% | 63 |
| Earnings coverage of net charge-offs (x) | 139.1429% | 225 |
| Efficiency ratio | 54.8761% | 6,614 |
| Assets per employee ($millions) | 4.7120% | 2,554 |
| Cash dividends to net income (ytd only)* | 49.6894% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 2,669 |
| Loan loss allowance to noncurrent loans | 81.6116% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 2.2265% | 3,037 |
| Noncurrent loans to loans | 2.3379% | 3,152 |
| Net loans and leases to total assets | 58.5274% | 4,544 |
| Net loans and leases to deposits | 80.4201% | 2,632 |
| Net loans and leases to core deposits | 86.0827% | 2,861 |
| Total domestic deposits to total assets | 72.7771% | 7,015 |
| Equity capital to assets | 10.0416% | 3,727 |
| Core capital (leverage) ratio | 9.2898% | 4,137 |
| Tier 1 risk-based capital ratio | 11.8907% | 5,789 |
| Total risk-based capital ratio | 13.0534% | 5,854 |
| Memoranda: | ||
| Average total assets | $383,449,500 | 1,717 |
| Average earning assets | $340,411,000 | 1,771 |
| Average equity | $37,932,500 | 1,754 |
| Average total loans | $231,453,500 | 1,856 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7335% | 1,456 |
| Cost of funding earning assets | 1.4880% | 2,717 |
| Net interest margin | 4.2455% | 2,013 |
| Noninterest income to average assets | 0.8156% | 2,199 |
| Noninterest expense to average assets | 2.5951% | 5,439 |
| Loan and lease loss provision to assets | 0.8610% | 1,889 |
| Net operating income to assets | 0.8548% | 2,568 |
| Return on assets (ROA) | 1.1305% | 1,688 |
| Pretax return on assets | 1.5155% | 1,335 |
| Return on Equity (ROE) | 11.6660% | 1,405 |
| Retained earnings to average equity (ytd only) | 9.3796% | 625 |
| Net charge-offs to loans | 1.3382% | 1,668 |
| Credit loss provision to net charge-offs | 102.6414% | 4,406 |
| Earnings coverage of net charge-offs (x) | 2.3950% | 3,935 |
| Efficiency ratio | 56.3664% | 6,550 |
| Assets per employee ($millions) | 4.6979% | 2,560 |
| Cash dividends to net income (ytd only)* | 19.5988% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,930 |
| Loan loss allowance to noncurrent loans | 65.4228% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.2862% | 2,984 |
| Noncurrent loans to loans | 2.3131% | 3,203 |
| Net loans and leases to total assets | 60.1257% | 4,658 |
| Net loans and leases to deposits | 82.5208% | 2,707 |
| Net loans and leases to core deposits | 89.3444% | 2,851 |
| Total domestic deposits to total assets | 72.8613% | 7,009 |
| Equity capital to assets | 9.7446% | 4,060 |
| Core capital (leverage) ratio | 9.2058% | 4,158 |
| Tier 1 risk-based capital ratio | 11.2959% | 6,095 |
| Total risk-based capital ratio | 12.4399% | 6,165 |
| Memoranda: | ||
| Average total assets | $383,642,000 | 1,714 |
| Average earning assets | $342,336,200 | 1,747 |
| Average equity | $37,176,400 | 1,779 |
| Average total loans | $240,475,000 | 1,815 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 1,553 |
| Cost of funding earning assets | 1.5373% | 2,740 |
| Net interest margin | 4.2122% | 2,183 |
| Noninterest income to average assets | 0.8624% | 1,945 |
| Noninterest expense to average assets | 2.6565% | 5,084 |
| Loan and lease loss provision to assets | 0.9400% | 1,601 |
| Net operating income to assets | 0.8140% | 2,943 |
| Return on assets (ROA) | 1.1324% | 1,904 |
| Pretax return on assets | 1.4149% | 1,840 |
| Return on Equity (ROE) | 11.7023% | 1,591 |
| Retained earnings to average equity (ytd only) | 9.7250% | 859 |
| Net charge-offs to loans | 0.8900% | 2,219 |
| Credit loss provision to net charge-offs | 167.4102% | 2,225 |
| Earnings coverage of net charge-offs (x) | 3.4851% | 3,429 |
| Efficiency ratio | 57.5824% | 6,331 |
| Assets per employee ($millions) | 4.5946% | 2,757 |
| Cash dividends to net income (ytd only)* | 16.8972% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 2,431 |
| Loan loss allowance to noncurrent loans | 54.2385% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 3.0077% | 2,415 |
| Noncurrent loans to loans | 3.5351% | 2,224 |
| Net loans and leases to total assets | 61.1934% | 4,681 |
| Net loans and leases to deposits | 85.3044% | 2,465 |
| Net loans and leases to core deposits | 90.9482% | 2,962 |
| Total domestic deposits to total assets | 71.7354% | 7,160 |
| Equity capital to assets | 10.3544% | 3,694 |
| Core capital (leverage) ratio | 9.0381% | 4,624 |
| Tier 1 risk-based capital ratio | 11.2289% | 6,163 |
| Total risk-based capital ratio | 12.3941% | 6,238 |
| Memoranda: | ||
| Average total assets | $383,245,500 | 1,735 |
| Average earning assets | $341,286,500 | 1,778 |
| Average equity | $37,085,750 | 1,798 |
| Average total loans | $241,798,750 | 1,831 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7580% | 1,535 |
| Cost of funding earning assets | 1.5736% | 2,809 |
| Net interest margin | 4.1845% | 2,202 |
| Noninterest income to average assets | 0.8018% | 2,105 |
| Noninterest expense to average assets | 2.6399% | 5,165 |
| Loan and lease loss provision to assets | 1.0946% | 1,312 |
| Net operating income to assets | 0.6176% | 3,795 |
| Return on assets (ROA) | 0.8216% | 3,019 |
| Pretax return on assets | 1.0571% | 2,908 |
| Return on Equity (ROE) | 8.6922% | 2,581 |
| Retained earnings to average equity (ytd only) | 6.4875% | 2,079 |
| Net charge-offs to loans | 0.8400% | 2,149 |
| Credit loss provision to net charge-offs | 205.7786% | 1,892 |
| Earnings coverage of net charge-offs (x) | 3.5534% | 3,273 |
| Efficiency ratio | 58.2749% | 6,340 |
| Assets per employee ($millions) | 4.7127% | 2,563 |
| Cash dividends to net income (ytd only)* | 25.3646% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 2,444 |
| Loan loss allowance to noncurrent loans | 53.2445% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.7978% | 2,583 |
| Noncurrent loans to loans | 3.5462% | 2,229 |
| Net loans and leases to total assets | 62.7647% | 4,527 |
| Net loans and leases to deposits | 86.6956% | 2,395 |
| Net loans and leases to core deposits | 96.8727% | 2,341 |
| Total domestic deposits to total assets | 72.3967% | 7,147 |
| Equity capital to assets | 9.7471% | 4,342 |
| Core capital (leverage) ratio | 8.7392% | 5,021 |
| Tier 1 risk-based capital ratio | 10.7193% | 6,513 |
| Total risk-based capital ratio | 11.8847% | 6,581 |
| Memoranda: | ||
| Average total assets | $383,876,330 | 1,750 |
| Average earning assets | $342,027,330 | 1,788 |
| Average equity | $36,285,330 | 1,836 |
| Average total loans | $243,090,000 | 1,851 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6514% | 1,955 |
| Cost of funding earning assets | 1.6212% | 2,827 |
| Net interest margin | 4.0303% | 2,744 |
| Noninterest income to average assets | 0.7591% | 2,242 |
| Noninterest expense to average assets | 2.5375% | 5,586 |
| Loan and lease loss provision to assets | 0.7229% | 1,759 |
| Net operating income to assets | 0.7873% | 3,025 |
| Return on assets (ROA) | 0.8810% | 2,706 |
| Pretax return on assets | 1.2156% | 2,311 |
| Return on Equity (ROE) | 9.4636% | 2,310 |
| Retained earnings to average equity (ytd only) | 6.1352% | 2,560 |
| Net charge-offs to loans | 1.4801% | 1,167 |
| Credit loss provision to net charge-offs | 77.5194% | 3,944 |
| Earnings coverage of net charge-offs (x) | 1.9391% | 3,572 |
| Efficiency ratio | 58.3888% | 6,424 |
| Assets per employee ($millions) | 4.8464% | 2,441 |
| Cash dividends to net income (ytd only)* | 35.1700% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 4,623 |
| Loan loss allowance to noncurrent loans | 37.6063% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 2.7285% | 2,666 |
| Noncurrent loans to loans | 3.6186% | 2,198 |
| Net loans and leases to total assets | 60.3976% | 5,050 |
| Net loans and leases to deposits | 80.6398% | 3,526 |
| Net loans and leases to core deposits | 94.9185% | 2,714 |
| Total domestic deposits to total assets | 74.8981% | 6,920 |
| Equity capital to assets | 9.2309% | 4,948 |
| Core capital (leverage) ratio | 8.6373% | 5,141 |
| Tier 1 risk-based capital ratio | 10.3863% | 6,728 |
| Total risk-based capital ratio | 11.4409% | 6,881 |
| Memoranda: | ||
| Average total assets | $387,306,500 | 1,779 |
| Average earning assets | $344,691,500 | 1,818 |
| Average equity | $36,054,000 | 1,865 |
| Average total loans | $244,041,500 | 1,899 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0794% | 1,579 |
| Cost of funding earning assets | 1.9866% | 3,022 |
| Net interest margin | 4.0928% | 2,490 |
| Noninterest income to average assets | 0.8693% | 2,080 |
| Noninterest expense to average assets | 2.4733% | 6,225 |
| Loan and lease loss provision to assets | 1.3183% | 1,746 |
| Net operating income to assets | 0.6430% | 3,165 |
| Return on assets (ROA) | 0.7377% | 2,863 |
| Pretax return on assets | 0.8466% | 3,093 |
| Return on Equity (ROE) | 7.8329% | 2,450 |
| Retained earnings to average equity (ytd only) | 5.8044% | 1,427 |
| Net charge-offs to loans | 1.2620% | 1,959 |
| Credit loss provision to net charge-offs | 160.3053% | 2,780 |
| Earnings coverage of net charge-offs (x) | 2.5002% | 3,875 |
| Efficiency ratio | 54.0163% | 7,227 |
| Assets per employee ($millions) | 4.8981% | 2,342 |
| Cash dividends to net income (ytd only)* | 25.8972% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 4,225 |
| Loan loss allowance to noncurrent loans | 34.2739% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 2.8899% | 2,427 |
| Noncurrent loans to loans | 4.0918% | 1,799 |
| Net loans and leases to total assets | 63.9286% | 4,616 |
| Net loans and leases to deposits | 88.8847% | 2,406 |
| Net loans and leases to core deposits | 108.1741% | 3,087 |
| Total domestic deposits to total assets | 71.9230% | 7,249 |
| Equity capital to assets | 9.3890% | 4,579 |
| Core capital (leverage) ratio | 8.5402% | 5,218 |
| Tier 1 risk-based capital ratio | 10.0682% | 6,812 |
| Total risk-based capital ratio | 11.1729% | 6,914 |
| Memoranda: | ||
| Average total assets | $366,391,400 | 1,854 |
| Average earning assets | $327,645,600 | 1,898 |
| Average equity | $34,508,400 | 1,949 |
| Average total loans | $238,740,000 | 1,965 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1171% | 1,588 |
| Cost of funding earning assets | 2.0995% | 2,894 |
| Net interest margin | 4.0176% | 2,733 |
| Noninterest income to average assets | 0.8570% | 2,169 |
| Noninterest expense to average assets | 2.6006% | 5,710 |
| Loan and lease loss provision to assets | 1.5467% | 1,232 |
| Net operating income to assets | 0.2891% | 4,827 |
| Return on assets (ROA) | 0.4429% | 4,329 |
| Pretax return on assets | 0.4657% | 4,627 |
| Return on Equity (ROE) | 4.6983% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.1374% | 3,565 |
| Net charge-offs to loans | 1.1247% | 1,786 |
| Credit loss provision to net charge-offs | 210.7769% | 2,084 |
| Earnings coverage of net charge-offs (x) | 2.5218% | 3,964 |
| Efficiency ratio | 57.8134% | 6,745 |
| Assets per employee ($millions) | 4.8429% | 2,344 |
| Cash dividends to net income (ytd only)* | 33.2227% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 3,024 |
| Loan loss allowance to noncurrent loans | 38.5351% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 2.9995% | 2,313 |
| Noncurrent loans to loans | 4.1317% | 1,761 |
| Net loans and leases to total assets | 64.9373% | 4,664 |
| Net loans and leases to deposits | 90.5601% | 2,466 |
| Net loans and leases to core deposits | 113.0162% | 2,928 |
| Total domestic deposits to total assets | 71.7063% | 7,248 |
| Equity capital to assets | 9.4262% | 4,848 |
| Core capital (leverage) ratio | 8.4288% | 5,621 |
| Tier 1 risk-based capital ratio | 10.0420% | 6,939 |
| Total risk-based capital ratio | 11.2006% | 6,980 |
| Memoranda: | ||
| Average total assets | $362,476,000 | 1,891 |
| Average earning assets | $324,263,250 | 1,937 |
| Average equity | $34,167,750 | 1,988 |
| Average total loans | $236,496,250 | 2,008 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2231% | 1,398 |
| Cost of funding earning assets | 2.1699% | 2,935 |
| Net interest margin | 4.0532% | 2,493 |
| Noninterest income to average assets | 0.9084% | 1,948 |
| Noninterest expense to average assets | 2.6516% | 5,552 |
| Loan and lease loss provision to assets | 0.7221% | 2,271 |
| Net operating income to assets | 0.8494% | 2,654 |
| Return on assets (ROA) | 1.0782% | 1,921 |
| Pretax return on assets | 1.4803% | 1,499 |
| Return on Equity (ROE) | 11.4379% | 1,576 |
| Retained earnings to average equity (ytd only) | 10.2611% | 676 |
| Net charge-offs to loans | 0.1656% | 4,562 |
| Credit loss provision to net charge-offs | 671.1340% | 693 |
| Earnings coverage of net charge-offs (x) | 17.5567% | 1,473 |
| Efficiency ratio | 57.7989% | 6,890 |
| Assets per employee ($millions) | 4.7068% | 2,456 |
| Cash dividends to net income (ytd only)* | 10.2881% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 5,212 |
| Loan loss allowance to noncurrent loans | 34.3859% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 2.5095% | 2,566 |
| Noncurrent loans to loans | 3.3684% | 2,088 |
| Net loans and leases to total assets | 65.1301% | 4,736 |
| Net loans and leases to deposits | 91.7392% | 2,513 |
| Net loans and leases to core deposits | 111.1899% | 3,236 |
| Total domestic deposits to total assets | 70.9948% | 7,365 |
| Equity capital to assets | 9.6358% | 4,447 |
| Core capital (leverage) ratio | 8.8238% | 4,905 |
| Tier 1 risk-based capital ratio | 10.5103% | 6,370 |
| Total risk-based capital ratio | 11.4374% | 6,657 |
| Memoranda: | ||
| Average total assets | $360,614,330 | 1,923 |
| Average earning assets | $323,149,000 | 1,966 |
| Average equity | $33,992,330 | 1,994 |
| Average total loans | $234,369,670 | 2,049 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2846% | 1,346 |
| Cost of funding earning assets | 2.3086% | 2,659 |
| Net interest margin | 3.9761% | 2,751 |
| Noninterest income to average assets | 0.8763% | 1,948 |
| Noninterest expense to average assets | 2.7177% | 4,919 |
| Loan and lease loss provision to assets | 0.3358% | 3,308 |
| Net operating income to assets | 1.0042% | 2,299 |
| Return on assets (ROA) | 1.2176% | 1,714 |
| Pretax return on assets | 1.6602% | 1,267 |
| Return on Equity (ROE) | 13.0639% | 1,372 |
| Retained earnings to average equity (ytd only) | 13.0639% | 629 |
| Net charge-offs to loans | -0.0103% | 7,278 |
| Credit loss provision to net charge-offs | -5,033.3333% | 6,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8400% | 6,277 |
| Assets per employee ($millions) | 4.5898% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 6,962 |
| Loan loss allowance to noncurrent loans | 31.9097% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 2.0089% | 2,886 |
| Noncurrent loans to loans | 2.6671% | 2,462 |
| Net loans and leases to total assets | 63.9438% | 4,996 |
| Net loans and leases to deposits | 88.1934% | 3,257 |
| Net loans and leases to core deposits | 108.2651% | 3,644 |
| Total domestic deposits to total assets | 72.5041% | 7,130 |
| Equity capital to assets | 9.6125% | 4,509 |
| Core capital (leverage) ratio | 8.6188% | 5,305 |
| Tier 1 risk-based capital ratio | 10.6299% | 6,259 |
| Total risk-based capital ratio | 11.3106% | 6,763 |
| Memoranda: | ||
| Average total assets | $359,711,000 | 1,931 |
| Average earning assets | $320,718,000 | 1,978 |
| Average equity | $33,527,500 | 2,022 |
| Average total loans | $232,149,000 | 2,078 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5321% | 2,801 |
| Cost of funding earning assets | 2.8778% | 2,363 |
| Net interest margin | 3.6543% | 4,655 |
| Noninterest income to average assets | 0.8498% | 2,232 |
| Noninterest expense to average assets | 2.5513% | 5,823 |
| Loan and lease loss provision to assets | 0.4384% | 3,096 |
| Net operating income to assets | 0.8464% | 3,233 |
| Return on assets (ROA) | 0.8907% | 2,882 |
| Pretax return on assets | 1.1756% | 2,738 |
| Return on Equity (ROE) | 9.8561% | 2,314 |
| Retained earnings to average equity (ytd only) | 7.8881% | 880 |
| Net charge-offs to loans | 0.4374% | 2,643 |
| Credit loss provision to net charge-offs | 149.8480% | 3,514 |
| Earnings coverage of net charge-offs (x) | 5.3171% | 3,686 |
| Efficiency ratio | 61.4147% | 6,075 |
| Assets per employee ($millions) | 4.5749% | 2,506 |
| Cash dividends to net income (ytd only)* | 19.9667% | 4,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 7,394 |
| Loan loss allowance to noncurrent loans | 27.6121% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 2.0159% | 2,441 |
| Noncurrent loans to loans | 2.5710% | 2,110 |
| Net loans and leases to total assets | 64.1237% | 5,246 |
| Net loans and leases to deposits | 87.2907% | 3,897 |
| Net loans and leases to core deposits | 108.0322% | 3,965 |
| Total domestic deposits to total assets | 73.4600% | 6,746 |
| Equity capital to assets | 9.0316% | 5,332 |
| Core capital (leverage) ratio | 8.3352% | 5,881 |
| Tier 1 risk-based capital ratio | 10.0507% | 6,684 |
| Total risk-based capital ratio | 10.6140% | 7,377 |
| Memoranda: | ||
| Average total assets | $337,361,800 | 1,975 |
| Average earning assets | $300,682,800 | 2,033 |
| Average equity | $30,488,800 | 2,218 |
| Average total loans | $225,676,800 | 2,076 |