Home > Central Bank of Branson > Performance and Condition Ratios
Central Bank of Branson, Performance and Condition Ratios
| 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 | 2.7153% | 4,390 |
| Cost of funding earning assets | 0.0704% | 4,692 |
| Net interest margin | 2.6449% | 4,066 |
| Noninterest income to average assets | 1.1964% | 792 |
| Noninterest expense to average assets | 2.2510% | 2,891 |
| Loan and lease loss provision to assets | 0.0569% | 1,845 |
| Net operating income to assets | 1.1077% | 2,525 |
| Return on assets (ROA) | 1.1111% | 2,566 |
| Pretax return on assets | 1.4418% | 2,177 |
| Return on Equity (ROE) | 13.2301% | 1,633 |
| Retained earnings to average equity (ytd only) | 0.8886% | 4,433 |
| Net charge-offs to loans | 0.0377% | 1,334 |
| Credit loss provision to net charge-offs | 301.3699% | 1,004 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 989 |
| Efficiency ratio | 60.1010% | 2,974 |
| Assets per employee ($millions) | 8.5280% | 1,040 |
| Cash dividends to net income (ytd only)* | 93.2836% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9579% | 686 |
| Loan loss allowance to noncurrent loans | 151.3701% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 1,274 |
| Noncurrent loans to loans | 1.2934% | 840 |
| Net loans and leases to total assets | 45.4127% | 3,835 |
| Net loans and leases to deposits | 54.5645% | 3,691 |
| Net loans and leases to core deposits | 55.7344% | 3,795 |
| Total domestic deposits to total assets | 83.2275% | 3,648 |
| Equity capital to assets | 7.9735% | 4,535 |
| Core capital (leverage) ratio | 7.8453% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0636% | 1,121 |
| Memoranda: | ||
| Average total assets | $514,534,500 | 1,682 |
| Average earning assets | $495,894,500 | 1,630 |
| Average equity | $43,213,500 | 1,997 |
| Average total loans | $258,329,750 | 1,918 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7181% | 4,439 |
| Cost of funding earning assets | 0.0716% | 4,735 |
| Net interest margin | 2.6465% | 4,089 |
| Noninterest income to average assets | 1.1459% | 866 |
| Noninterest expense to average assets | 2.2754% | 2,844 |
| Loan and lease loss provision to assets | 0.0734% | 1,605 |
| Net operating income to assets | 1.0388% | 2,763 |
| Return on assets (ROA) | 1.0441% | 2,821 |
| Pretax return on assets | 1.3550% | 2,458 |
| Return on Equity (ROE) | 12.2047% | 1,980 |
| Retained earnings to average equity (ytd only) | 12.2047% | 872 |
| Net charge-offs to loans | 0.0433% | 1,205 |
| Credit loss provision to net charge-offs | 328.5714% | 855 |
| Earnings coverage of net charge-offs (x) | 63.6250% | 948 |
| Efficiency ratio | 61.5476% | 2,791 |
| Assets per employee ($millions) | 9.0326% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 744 |
| Loan loss allowance to noncurrent loans | 149.3143% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 1,398 |
| Noncurrent loans to loans | 1.2690% | 931 |
| Net loans and leases to total assets | 46.2999% | 3,883 |
| Net loans and leases to deposits | 54.6038% | 3,819 |
| Net loans and leases to core deposits | 56.4760% | 3,860 |
| Total domestic deposits to total assets | 84.7924% | 3,181 |
| Equity capital to assets | 8.3484% | 4,329 |
| Core capital (leverage) ratio | 9.0214% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7224% | 853 |
| Memoranda: | ||
| Average total assets | $501,271,667 | 1,711 |
| Average earning assets | $483,201,333 | 1,653 |
| Average equity | $42,885,000 | 2,004 |
| Average total loans | $258,853,000 | 1,917 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9102% | 4,242 |
| Cost of funding earning assets | 0.0757% | 4,769 |
| Net interest margin | 2.8345% | 3,681 |
| Noninterest income to average assets | 1.1969% | 859 |
| Noninterest expense to average assets | 2.4293% | 2,404 |
| Loan and lease loss provision to assets | 0.0720% | 1,727 |
| Net operating income to assets | 1.0960% | 2,492 |
| Return on assets (ROA) | 1.0960% | 2,567 |
| Pretax return on assets | 1.4249% | 2,211 |
| Return on Equity (ROE) | 12.6297% | 1,775 |
| Retained earnings to average equity (ytd only) | 12.6297% | 992 |
| Net charge-offs to loans | -0.0375% | 4,279 |
| Credit loss provision to net charge-offs | -354.1667% | 3,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8739% | 2,779 |
| Assets per employee ($millions) | 7.1032% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 715 |
| Loan loss allowance to noncurrent loans | 140.9322% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 1,263 |
| Noncurrent loans to loans | 1.3625% | 937 |
| Net loans and leases to total assets | 52.7555% | 3,374 |
| Net loans and leases to deposits | 62.2019% | 3,305 |
| Net loans and leases to core deposits | 64.6295% | 3,355 |
| Total domestic deposits to total assets | 84.8134% | 3,181 |
| Equity capital to assets | 8.5715% | 4,067 |
| Core capital (leverage) ratio | 8.6674% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5593% | 1,153 |
| Memoranda: | ||
| Average total assets | $471,896,000 | 1,772 |
| Average earning assets | $454,407,500 | 1,729 |
| Average equity | $40,951,000 | 2,049 |
| Average total loans | $256,130,500 | 1,933 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 3,836 |
| Cost of funding earning assets | 0.2092% | 4,552 |
| Net interest margin | 3.3790% | 2,836 |
| Noninterest income to average assets | 1.3709% | 621 |
| Noninterest expense to average assets | 2.6680% | 2,331 |
| Loan and lease loss provision to assets | 0.1147% | 2,915 |
| Net operating income to assets | 1.4133% | 991 |
| Return on assets (ROA) | 1.4133% | 1,074 |
| Pretax return on assets | 1.8351% | 631 |
| Return on Equity (ROE) | 14.6734% | 692 |
| Retained earnings to average equity (ytd only) | 12.0214% | 310 |
| Net charge-offs to loans | -0.0077% | 4,210 |
| Credit loss provision to net charge-offs | -2,363.1579% | 4,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7774% | 3,755 |
| Assets per employee ($millions) | 6.6779% | 1,797 |
| Cash dividends to net income (ytd only)* | 18.0734% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 671 |
| Loan loss allowance to noncurrent loans | 106.8067% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 960 |
| Noncurrent loans to loans | 1.8098% | 685 |
| Net loans and leases to total assets | 53.7299% | 3,516 |
| Net loans and leases to deposits | 62.8777% | 3,535 |
| Net loans and leases to core deposits | 65.5244% | 3,578 |
| Total domestic deposits to total assets | 85.4515% | 2,590 |
| Equity capital to assets | 8.7895% | 4,232 |
| Core capital (leverage) ratio | 9.1709% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3988% | 1,169 |
| Memoranda: | ||
| Average total assets | $391,487,800 | 1,886 |
| Average earning assets | $376,176,800 | 1,848 |
| Average equity | $37,707,800 | 2,100 |
| Average total loans | $246,789,800 | 1,937 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 3,635 |
| Cost of funding earning assets | 0.2573% | 4,485 |
| Net interest margin | 3.5180% | 2,530 |
| Noninterest income to average assets | 1.3099% | 635 |
| Noninterest expense to average assets | 2.7620% | 2,084 |
| Loan and lease loss provision to assets | 0.1147% | 2,890 |
| Net operating income to assets | 1.3983% | 1,102 |
| Return on assets (ROA) | 1.3983% | 1,203 |
| Pretax return on assets | 1.8148% | 757 |
| Return on Equity (ROE) | 14.1365% | 856 |
| Retained earnings to average equity (ytd only) | 10.5339% | 670 |
| Net charge-offs to loans | -0.0625% | 4,734 |
| Credit loss provision to net charge-offs | -280.0000% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8713% | 3,539 |
| Assets per employee ($millions) | 6.3125% | 1,984 |
| Cash dividends to net income (ytd only)* | 25.4842% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9090% | 576 |
| Loan loss allowance to noncurrent loans | 102.0412% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 867 |
| Noncurrent loans to loans | 1.8708% | 685 |
| Net loans and leases to total assets | 61.6722% | 3,048 |
| Net loans and leases to deposits | 73.4439% | 3,003 |
| Net loans and leases to core deposits | 77.2911% | 3,070 |
| Total domestic deposits to total assets | 83.9719% | 2,833 |
| Equity capital to assets | 9.6503% | 3,553 |
| Core capital (leverage) ratio | 9.0369% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5467% | 1,361 |
| Memoranda: | ||
| Average total assets | $374,166,000 | 1,926 |
| Average earning assets | $359,666,750 | 1,889 |
| Average equity | $37,009,750 | 2,119 |
| Average total loans | $245,373,750 | 1,948 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 3,562 |
| Cost of funding earning assets | 0.3290% | 4,367 |
| Net interest margin | 3.5909% | 2,514 |
| Noninterest income to average assets | 1.1680% | 732 |
| Noninterest expense to average assets | 2.7873% | 2,127 |
| Loan and lease loss provision to assets | 0.0999% | 3,026 |
| Net operating income to assets | 1.3327% | 1,274 |
| Return on assets (ROA) | 1.3327% | 1,373 |
| Pretax return on assets | 1.7270% | 939 |
| Return on Equity (ROE) | 13.3533% | 1,018 |
| Retained earnings to average equity (ytd only) | 7.8513% | 1,349 |
| Net charge-offs to loans | -0.0940% | 4,830 |
| Credit loss provision to net charge-offs | -159.6491% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4070% | 3,362 |
| Assets per employee ($millions) | 5.7857% | 2,389 |
| Cash dividends to net income (ytd only)* | 41.2031% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 589 |
| Loan loss allowance to noncurrent loans | 96.6735% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.2378% | 868 |
| Noncurrent loans to loans | 1.9160% | 717 |
| Net loans and leases to total assets | 63.4074% | 2,950 |
| Net loans and leases to deposits | 75.3872% | 2,930 |
| Net loans and leases to core deposits | 79.1567% | 3,016 |
| Total domestic deposits to total assets | 84.1089% | 2,717 |
| Equity capital to assets | 9.5412% | 3,622 |
| Core capital (leverage) ratio | 9.5357% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6162% | 1,594 |
| Memoranda: | ||
| Average total assets | $364,222,333 | 1,947 |
| Average earning assets | $349,551,667 | 1,900 |
| Average equity | $36,350,667 | 2,137 |
| Average total loans | $242,497,333 | 1,948 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 3,142 |
| Cost of funding earning assets | 0.4722% | 4,060 |
| Net interest margin | 3.7498% | 2,142 |
| Noninterest income to average assets | 1.0686% | 743 |
| Noninterest expense to average assets | 2.8500% | 2,278 |
| Loan and lease loss provision to assets | 0.0458% | 3,204 |
| Net operating income to assets | 1.3615% | 1,079 |
| Return on assets (ROA) | 1.3615% | 1,160 |
| Pretax return on assets | 1.7619% | 752 |
| Return on Equity (ROE) | 13.3121% | 824 |
| Retained earnings to average equity (ytd only) | 2.1255% | 3,397 |
| Net charge-offs to loans | -0.1927% | 4,936 |
| Credit loss provision to net charge-offs | -35.0877% | 3,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1889% | 3,590 |
| Assets per employee ($millions) | 5.0498% | 2,597 |
| Cash dividends to net income (ytd only)* | 84.0336% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 561 |
| Loan loss allowance to noncurrent loans | 106.3097% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 971 |
| Noncurrent loans to loans | 1.8237% | 820 |
| Net loans and leases to total assets | 67.2554% | 2,659 |
| Net loans and leases to deposits | 81.7179% | 2,491 |
| Net loans and leases to core deposits | 86.1540% | 2,667 |
| Total domestic deposits to total assets | 82.3019% | 3,330 |
| Equity capital to assets | 10.4995% | 3,323 |
| Core capital (leverage) ratio | 10.1196% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0822% | 1,877 |
| Memoranda: | ||
| Average total assets | $349,619,000 | 1,963 |
| Average earning assets | $334,629,000 | 1,914 |
| Average equity | $35,757,000 | 2,154 |
| Average total loans | $236,660,500 | 1,949 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 2,727 |
| Cost of funding earning assets | 0.5049% | 4,076 |
| Net interest margin | 4.0609% | 1,646 |
| Noninterest income to average assets | 1.2060% | 650 |
| Noninterest expense to average assets | 2.9193% | 2,233 |
| Loan and lease loss provision to assets | 0.1914% | 1,070 |
| Net operating income to assets | 1.4929% | 1,072 |
| Return on assets (ROA) | 1.4927% | 1,133 |
| Pretax return on assets | 1.9814% | 622 |
| Return on Equity (ROE) | 14.6133% | 772 |
| Retained earnings to average equity (ytd only) | 2.6000% | 3,735 |
| Net charge-offs to loans | 0.1858% | 1,089 |
| Credit loss provision to net charge-offs | 149.8856% | 1,711 |
| Earnings coverage of net charge-offs (x) | 17.0206% | 2,132 |
| Efficiency ratio | 57.3264% | 4,047 |
| Assets per employee ($millions) | 4.9424% | 2,664 |
| Cash dividends to net income (ytd only)* | 82.2079% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 598 |
| Loan loss allowance to noncurrent loans | 97.6971% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 879 |
| Noncurrent loans to loans | 1.8990% | 692 |
| Net loans and leases to total assets | 65.5883% | 3,006 |
| Net loans and leases to deposits | 79.2048% | 2,883 |
| Net loans and leases to core deposits | 83.1727% | 3,025 |
| Total domestic deposits to total assets | 82.8085% | 3,267 |
| Equity capital to assets | 9.9649% | 3,953 |
| Core capital (leverage) ratio | 10.2822% | 3,208 |
| Tier 1 risk-based capital ratio | 13.4161% | 3,570 |
| Total risk-based capital ratio | 14.6711% | 3,447 |
| Memoranda: | ||
| Average total assets | $342,275,800 | 1,937 |
| Average earning assets | $327,563,200 | 1,889 |
| Average equity | $34,961,200 | 2,140 |
| Average total loans | $235,257,600 | 1,923 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 2,611 |
| Cost of funding earning assets | 0.5291% | 4,033 |
| Net interest margin | 4.1075% | 1,594 |
| Noninterest income to average assets | 1.1591% | 682 |
| Noninterest expense to average assets | 2.9272% | 2,172 |
| Loan and lease loss provision to assets | 0.2195% | 781 |
| Net operating income to assets | 1.4884% | 1,220 |
| Return on assets (ROA) | 1.4884% | 1,277 |
| Pretax return on assets | 1.9463% | 780 |
| Return on Equity (ROE) | 14.4787% | 893 |
| Retained earnings to average equity (ytd only) | 4.1450% | 3,334 |
| Net charge-offs to loans | 0.1972% | 883 |
| Credit loss provision to net charge-offs | 160.8069% | 1,549 |
| Earnings coverage of net charge-offs (x) | 15.8644% | 2,166 |
| Efficiency ratio | 57.4739% | 4,004 |
| Assets per employee ($millions) | 4.9454% | 2,622 |
| Cash dividends to net income (ytd only)* | 71.3720% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 617 |
| Loan loss allowance to noncurrent loans | 97.7585% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.3482% | 882 |
| Noncurrent loans to loans | 1.8872% | 748 |
| Net loans and leases to total assets | 69.6910% | 2,519 |
| Net loans and leases to deposits | 85.5987% | 2,248 |
| Net loans and leases to core deposits | 90.0064% | 2,546 |
| Total domestic deposits to total assets | 81.4160% | 3,633 |
| Equity capital to assets | 10.6039% | 3,467 |
| Core capital (leverage) ratio | 10.2389% | 3,375 |
| Tier 1 risk-based capital ratio | 13.6799% | 3,487 |
| Total risk-based capital ratio | 14.9353% | 3,390 |
| Memoranda: | ||
| Average total assets | $338,882,250 | 1,961 |
| Average earning assets | $324,565,750 | 1,917 |
| Average equity | $34,836,500 | 2,157 |
| Average total loans | $234,620,000 | 1,944 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 2,644 |
| Cost of funding earning assets | 0.5290% | 3,996 |
| Net interest margin | 4.0816% | 1,663 |
| Noninterest income to average assets | 1.1061% | 695 |
| Noninterest expense to average assets | 2.8427% | 2,435 |
| Loan and lease loss provision to assets | 0.2667% | 565 |
| Net operating income to assets | 1.4570% | 1,274 |
| Return on assets (ROA) | 1.4570% | 1,330 |
| Pretax return on assets | 1.9032% | 831 |
| Return on Equity (ROE) | 14.3221% | 911 |
| Retained earnings to average equity (ytd only) | 1.5913% | 4,254 |
| Net charge-offs to loans | 0.3464% | 486 |
| Credit loss provision to net charge-offs | 112.1287% | 1,825 |
| Earnings coverage of net charge-offs (x) | 9.1238% | 2,356 |
| Efficiency ratio | 56.7117% | 4,164 |
| Assets per employee ($millions) | 4.9196% | 2,583 |
| Cash dividends to net income (ytd only)* | 88.8889% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 692 |
| Loan loss allowance to noncurrent loans | 90.1998% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 844 |
| Noncurrent loans to loans | 1.9860% | 726 |
| Net loans and leases to total assets | 67.5474% | 2,879 |
| Net loans and leases to deposits | 81.9305% | 2,741 |
| Net loans and leases to core deposits | 86.1096% | 2,951 |
| Total domestic deposits to total assets | 82.4448% | 3,386 |
| Equity capital to assets | 10.1257% | 3,860 |
| Core capital (leverage) ratio | 10.0524% | 3,534 |
| Tier 1 risk-based capital ratio | 13.6305% | 3,516 |
| Total risk-based capital ratio | 14.8856% | 3,406 |
| Memoranda: | ||
| Average total assets | $339,746,330 | 1,965 |
| Average earning assets | $325,165,670 | 1,927 |
| Average equity | $34,562,000 | 2,166 |
| Average total loans | $233,237,000 | 1,957 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 2,685 |
| Cost of funding earning assets | 0.5422% | 3,864 |
| Net interest margin | 4.0112% | 1,821 |
| Noninterest income to average assets | 1.0147% | 774 |
| Noninterest expense to average assets | 2.7881% | 2,611 |
| Loan and lease loss provision to assets | 0.2655% | 530 |
| Net operating income to assets | 1.3763% | 1,438 |
| Return on assets (ROA) | 1.3763% | 1,471 |
| Pretax return on assets | 1.7935% | 986 |
| Return on Equity (ROE) | 13.4969% | 1,082 |
| Retained earnings to average equity (ytd only) | 1.8717% | 4,099 |
| Net charge-offs to loans | 0.1556% | 863 |
| Credit loss provision to net charge-offs | 248.8889% | 931 |
| Earnings coverage of net charge-offs (x) | 19.3000% | 1,595 |
| Efficiency ratio | 57.5202% | 4,145 |
| Assets per employee ($millions) | 4.9269% | 2,612 |
| Cash dividends to net income (ytd only)* | 86.1326% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8431% | 650 |
| Loan loss allowance to noncurrent loans | 327.6306% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 2,844 |
| Noncurrent loans to loans | 0.5626% | 2,636 |
| Net loans and leases to total assets | 68.7977% | 2,648 |
| Net loans and leases to deposits | 84.4956% | 2,325 |
| Net loans and leases to core deposits | 88.6535% | 2,623 |
| Total domestic deposits to total assets | 81.4217% | 3,875 |
| Equity capital to assets | 10.3140% | 3,515 |
| Core capital (leverage) ratio | 10.0423% | 3,560 |
| Tier 1 risk-based capital ratio | 13.3910% | 3,672 |
| Total risk-based capital ratio | 14.6464% | 3,575 |
| Memoranda: | ||
| Average total assets | $337,434,500 | 1,988 |
| Average earning assets | $322,396,000 | 1,949 |
| Average equity | $34,408,000 | 2,166 |
| Average total loans | $231,427,500 | 1,984 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 3,490 |
| Cost of funding earning assets | 0.3308% | 4,402 |
| Net interest margin | 3.8504% | 2,496 |
| Noninterest income to average assets | 1.2693% | 583 |
| Noninterest expense to average assets | 2.7223% | 2,953 |
| Loan and lease loss provision to assets | 0.3785% | 377 |
| Net operating income to assets | 1.4365% | 1,317 |
| Return on assets (ROA) | 1.4376% | 1,304 |
| Pretax return on assets | 1.8492% | 813 |
| Return on Equity (ROE) | 14.4594% | 947 |
| Retained earnings to average equity (ytd only) | 4.9716% | 2,776 |
| Net charge-offs to loans | 0.6375% | 266 |
| Credit loss provision to net charge-offs | 87.7524% | 2,750 |
| Earnings coverage of net charge-offs (x) | 5.1615% | 3,216 |
| Efficiency ratio | 55.0120% | 4,514 |
| Assets per employee ($millions) | 5.3100% | 2,140 |
| Cash dividends to net income (ytd only)* | 65.6168% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 640 |
| Loan loss allowance to noncurrent loans | 307.9295% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 2,721 |
| Noncurrent loans to loans | 0.5973% | 2,492 |
| Net loans and leases to total assets | 65.8665% | 3,150 |
| Net loans and leases to deposits | 80.1108% | 2,946 |
| Net loans and leases to core deposits | 83.7436% | 3,115 |
| Total domestic deposits to total assets | 82.2192% | 3,585 |
| Equity capital to assets | 10.0815% | 3,599 |
| Core capital (leverage) ratio | 9.9326% | 3,665 |
| Tier 1 risk-based capital ratio | 13.2726% | 3,682 |
| Total risk-based capital ratio | 14.5273% | 3,557 |
| Memoranda: | ||
| Average total assets | $344,522,200 | 1,934 |
| Average earning assets | $329,214,400 | 1,892 |
| Average equity | $34,254,600 | 2,103 |
| Average total loans | $233,084,600 | 1,924 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 3,721 |
| Cost of funding earning assets | 0.2986% | 4,533 |
| Net interest margin | 3.7747% | 2,735 |
| Noninterest income to average assets | 1.3013% | 565 |
| Noninterest expense to average assets | 2.7407% | 2,838 |
| Loan and lease loss provision to assets | 0.3575% | 375 |
| Net operating income to assets | 1.3966% | 1,505 |
| Return on assets (ROA) | 1.3981% | 1,501 |
| Pretax return on assets | 1.8127% | 987 |
| Return on Equity (ROE) | 14.1103% | 1,092 |
| Retained earnings to average equity (ytd only) | 13.1372% | 344 |
| Net charge-offs to loans | 0.4062% | 399 |
| Credit loss provision to net charge-offs | 129.8319% | 1,898 |
| Earnings coverage of net charge-offs (x) | 7.8739% | 2,766 |
| Efficiency ratio | 55.8297% | 4,406 |
| Assets per employee ($millions) | 5.1598% | 2,261 |
| Cash dividends to net income (ytd only)* | 6.8967% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 500 |
| Loan loss allowance to noncurrent loans | 277.6165% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 2,582 |
| Noncurrent loans to loans | 0.7143% | 2,291 |
| Net loans and leases to total assets | 65.6167% | 3,225 |
| Net loans and leases to deposits | 81.8817% | 2,832 |
| Net loans and leases to core deposits | 85.6670% | 3,029 |
| Total domestic deposits to total assets | 80.1360% | 4,084 |
| Equity capital to assets | 10.3536% | 3,276 |
| Core capital (leverage) ratio | 10.4051% | 3,187 |
| Tier 1 risk-based capital ratio | 13.6561% | 3,542 |
| Total risk-based capital ratio | 14.9121% | 3,453 |
| Memoranda: | ||
| Average total assets | $345,693,000 | 1,942 |
| Average earning assets | $330,406,500 | 1,898 |
| Average equity | $34,253,000 | 2,108 |
| Average total loans | $234,347,250 | 1,922 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 3,832 |
| Cost of funding earning assets | 0.2755% | 4,596 |
| Net interest margin | 3.7075% | 2,897 |
| Noninterest income to average assets | 1.4001% | 485 |
| Noninterest expense to average assets | 2.7551% | 2,830 |
| Loan and lease loss provision to assets | 0.3801% | 328 |
| Net operating income to assets | 1.3891% | 1,474 |
| Return on assets (ROA) | 1.3891% | 1,476 |
| Pretax return on assets | 1.8068% | 946 |
| Return on Equity (ROE) | 14.2325% | 1,028 |
| Retained earnings to average equity (ytd only) | 14.2325% | 258 |
| Net charge-offs to loans | 0.1895% | 826 |
| Credit loss provision to net charge-offs | 294.6188% | 1,012 |
| Earnings coverage of net charge-offs (x) | 16.9507% | 1,977 |
| Efficiency ratio | 55.7481% | 4,509 |
| Assets per employee ($millions) | 4.9095% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0370% | 487 |
| Loan loss allowance to noncurrent loans | 205.4677% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 1,894 |
| Noncurrent loans to loans | 0.9914% | 1,760 |
| Net loans and leases to total assets | 67.3096% | 2,973 |
| Net loans and leases to deposits | 82.5889% | 2,704 |
| Net loans and leases to core deposits | 86.3437% | 2,896 |
| Total domestic deposits to total assets | 81.4997% | 3,869 |
| Equity capital to assets | 10.1588% | 3,477 |
| Core capital (leverage) ratio | 10.4705% | 3,062 |
| Tier 1 risk-based capital ratio | 13.2942% | 3,739 |
| Total risk-based capital ratio | 14.5513% | 3,656 |
| Memoranda: | ||
| Average total assets | $345,688,670 | 1,951 |
| Average earning assets | $330,252,670 | 1,907 |
| Average equity | $33,739,670 | 2,133 |
| Average total loans | $235,319,670 | 1,918 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 4,050 |
| Cost of funding earning assets | 0.2791% | 4,515 |
| Net interest margin | 3.5809% | 3,251 |
| Noninterest income to average assets | 1.0499% | 830 |
| Noninterest expense to average assets | 2.7251% | 2,959 |
| Loan and lease loss provision to assets | 0.2146% | 743 |
| Net operating income to assets | 1.1780% | 2,104 |
| Return on assets (ROA) | 1.1780% | 2,113 |
| Pretax return on assets | 1.5298% | 1,595 |
| Return on Equity (ROE) | 12.3185% | 1,468 |
| Retained earnings to average equity (ytd only) | 12.3185% | 625 |
| Net charge-offs to loans | 0.1481% | 938 |
| Credit loss provision to net charge-offs | 213.7931% | 1,006 |
| Earnings coverage of net charge-offs (x) | 17.3793% | 1,586 |
| Efficiency ratio | 60.9706% | 3,949 |
| Assets per employee ($millions) | 5.1158% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 656 |
| Loan loss allowance to noncurrent loans | 209.8968% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.2954% | 1,145 |
| Noncurrent loans to loans | 0.9039% | 2,011 |
| Net loans and leases to total assets | 64.6166% | 3,225 |
| Net loans and leases to deposits | 74.8358% | 3,330 |
| Net loans and leases to core deposits | 81.3935% | 3,200 |
| Total domestic deposits to total assets | 86.3445% | 2,385 |
| Equity capital to assets | 9.3743% | 4,208 |
| Core capital (leverage) ratio | 9.8904% | 3,660 |
| Tier 1 risk-based capital ratio | 11.9192% | 4,592 |
| Total risk-based capital ratio | 13.1733% | 4,490 |
| Memoranda: | ||
| Average total assets | $346,701,000 | 1,962 |
| Average earning assets | $331,092,000 | 1,919 |
| Average equity | $33,153,500 | 2,179 |
| Average total loans | $234,915,000 | 1,931 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 3,919 |
| Cost of funding earning assets | 0.1924% | 5,004 |
| Net interest margin | 3.6449% | 3,004 |
| Noninterest income to average assets | 1.0095% | 997 |
| Noninterest expense to average assets | 2.9353% | 2,331 |
| Loan and lease loss provision to assets | 0.3866% | 384 |
| Net operating income to assets | 0.5833% | 4,085 |
| Return on assets (ROA) | 0.5786% | 4,140 |
| Pretax return on assets | 1.1446% | 3,004 |
| Return on Equity (ROE) | 5.8337% | 3,829 |
| Retained earnings to average equity (ytd only) | 5.8337% | 1,636 |
| Net charge-offs to loans | 0.6517% | 336 |
| Credit loss provision to net charge-offs | 83.4551% | 2,890 |
| Earnings coverage of net charge-offs (x) | 3.3216% | 3,625 |
| Efficiency ratio | 65.6095% | 3,326 |
| Assets per employee ($millions) | 4.8594% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 684 |
| Loan loss allowance to noncurrent loans | 134.5633% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.6639% | 783 |
| Noncurrent loans to loans | 1.3900% | 1,238 |
| Net loans and leases to total assets | 68.4717% | 2,757 |
| Net loans and leases to deposits | 80.1407% | 2,900 |
| Net loans and leases to core deposits | 84.5768% | 3,021 |
| Total domestic deposits to total assets | 85.4394% | 2,678 |
| Equity capital to assets | 9.7636% | 3,951 |
| Core capital (leverage) ratio | 10.0453% | 3,398 |
| Tier 1 risk-based capital ratio | 11.8843% | 4,607 |
| Total risk-based capital ratio | 13.1385% | 4,485 |
| Memoranda: | ||
| Average total assets | $324,910,800 | 2,038 |
| Average earning assets | $308,811,200 | 1,997 |
| Average equity | $32,226,800 | 2,208 |
| Average total loans | $230,943,600 | 1,934 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 4,037 |
| Cost of funding earning assets | 0.1839% | 5,108 |
| Net interest margin | 3.6079% | 3,119 |
| Noninterest income to average assets | 1.0048% | 1,013 |
| Noninterest expense to average assets | 2.9614% | 2,213 |
| Loan and lease loss provision to assets | 0.2532% | 681 |
| Net operating income to assets | 0.8233% | 3,424 |
| Return on assets (ROA) | 0.8166% | 3,499 |
| Pretax return on assets | 1.2054% | 2,882 |
| Return on Equity (ROE) | 8.1994% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.1994% | 1,139 |
| Net charge-offs to loans | 0.8132% | 225 |
| Credit loss provision to net charge-offs | 43.5897% | 2,980 |
| Earnings coverage of net charge-offs (x) | 2.5285% | 3,452 |
| Efficiency ratio | 66.8503% | 3,070 |
| Assets per employee ($millions) | 4.4321% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 1,169 |
| Loan loss allowance to noncurrent loans | 121.4127% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.9220% | 696 |
| Noncurrent loans to loans | 1.3451% | 1,407 |
| Net loans and leases to total assets | 73.3679% | 2,032 |
| Net loans and leases to deposits | 86.3216% | 2,256 |
| Net loans and leases to core deposits | 91.8894% | 2,451 |
| Total domestic deposits to total assets | 84.9936% | 2,716 |
| Equity capital to assets | 10.5053% | 3,369 |
| Core capital (leverage) ratio | 10.3338% | 3,161 |
| Tier 1 risk-based capital ratio | 11.9082% | 4,697 |
| Total risk-based capital ratio | 13.1600% | 4,571 |
| Memoranda: | ||
| Average total assets | $322,314,500 | 2,067 |
| Average earning assets | $305,991,250 | 2,024 |
| Average equity | $32,099,250 | 2,230 |
| Average total loans | $230,189,750 | 1,945 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 4,196 |
| Cost of funding earning assets | 0.1652% | 5,241 |
| Net interest margin | 3.5448% | 3,235 |
| Noninterest income to average assets | 0.9801% | 1,072 |
| Noninterest expense to average assets | 2.9102% | 2,393 |
| Loan and lease loss provision to assets | 0.1668% | 1,193 |
| Net operating income to assets | 0.8588% | 3,119 |
| Return on assets (ROA) | 0.8588% | 3,169 |
| Pretax return on assets | 1.2713% | 2,492 |
| Return on Equity (ROE) | 8.7792% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.7792% | 905 |
| Net charge-offs to loans | 1.1982% | 165 |
| Credit loss provision to net charge-offs | 19.7810% | 2,788 |
| Earnings coverage of net charge-offs (x) | 1.7051% | 3,254 |
| Efficiency ratio | 66.9262% | 3,194 |
| Assets per employee ($millions) | 4.6500% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,332 |
| Loan loss allowance to noncurrent loans | 114.0731% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.9118% | 692 |
| Noncurrent loans to loans | 1.3760% | 1,408 |
| Net loans and leases to total assets | 69.9297% | 2,539 |
| Net loans and leases to deposits | 81.4718% | 2,748 |
| Net loans and leases to core deposits | 87.3998% | 2,757 |
| Total domestic deposits to total assets | 85.8330% | 2,457 |
| Equity capital to assets | 10.2764% | 3,596 |
| Core capital (leverage) ratio | 10.2846% | 3,165 |
| Tier 1 risk-based capital ratio | 12.2363% | 4,471 |
| Total risk-based capital ratio | 13.4875% | 4,353 |
| Memoranda: | ||
| Average total assets | $324,859,330 | 2,052 |
| Average earning assets | $308,675,330 | 2,009 |
| Average equity | $31,779,670 | 2,240 |
| Average total loans | $228,684,000 | 1,952 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 4,518 |
| Cost of funding earning assets | 0.1554% | 5,333 |
| Net interest margin | 3.4051% | 3,638 |
| Noninterest income to average assets | 0.9526% | 1,100 |
| Noninterest expense to average assets | 2.8737% | 2,539 |
| Loan and lease loss provision to assets | 0.0984% | 1,919 |
| Net operating income to assets | 0.8323% | 3,070 |
| Return on assets (ROA) | 0.8323% | 3,127 |
| Pretax return on assets | 1.2285% | 2,482 |
| Return on Equity (ROE) | 8.7199% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.7199% | 1,179 |
| Net charge-offs to loans | 0.1977% | 874 |
| Credit loss provision to net charge-offs | 71.0526% | 1,830 |
| Earnings coverage of net charge-offs (x) | 9.5789% | 1,987 |
| Efficiency ratio | 68.4119% | 3,138 |
| Assets per employee ($millions) | 4.5514% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9814% | 690 |
| Loan loss allowance to noncurrent loans | 84.1951% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.8594% | 749 |
| Noncurrent loans to loans | 2.3533% | 695 |
| Net loans and leases to total assets | 71.3021% | 2,168 |
| Net loans and leases to deposits | 82.9743% | 2,398 |
| Net loans and leases to core deposits | 89.4510% | 2,404 |
| Total domestic deposits to total assets | 85.9327% | 2,699 |
| Equity capital to assets | 9.9784% | 3,782 |
| Core capital (leverage) ratio | 10.0397% | 3,444 |
| Tier 1 risk-based capital ratio | 11.7778% | 4,867 |
| Total risk-based capital ratio | 13.0336% | 4,769 |
| Memoranda: | ||
| Average total assets | $329,189,500 | 2,049 |
| Average earning assets | $313,995,500 | 2,001 |
| Average equity | $31,422,500 | 2,265 |
| Average total loans | $230,704,500 | 1,954 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 3,869 |
| Cost of funding earning assets | 0.1182% | 5,617 |
| Net interest margin | 3.6923% | 2,728 |
| Noninterest income to average assets | 1.1798% | 810 |
| Noninterest expense to average assets | 3.0556% | 2,156 |
| Loan and lease loss provision to assets | 0.2792% | 717 |
| Net operating income to assets | 0.9266% | 2,697 |
| Return on assets (ROA) | 0.9266% | 2,812 |
| Pretax return on assets | 1.3325% | 2,170 |
| Return on Equity (ROE) | 9.9217% | 1,991 |
| Retained earnings to average equity (ytd only) | 9.9217% | 417 |
| Net charge-offs to loans | 0.3679% | 738 |
| Credit loss provision to net charge-offs | 103.9720% | 2,494 |
| Earnings coverage of net charge-offs (x) | 6.0023% | 3,245 |
| Efficiency ratio | 65.4681% | 3,679 |
| Assets per employee ($millions) | 4.9244% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0139% | 639 |
| Loan loss allowance to noncurrent loans | 163.1969% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 2,044 |
| Noncurrent loans to loans | 1.2341% | 1,664 |
| Net loans and leases to total assets | 66.2265% | 3,042 |
| Net loans and leases to deposits | 84.1077% | 2,399 |
| Net loans and leases to core deposits | 87.7499% | 2,701 |
| Total domestic deposits to total assets | 78.7401% | 4,855 |
| Equity capital to assets | 9.1394% | 4,660 |
| Core capital (leverage) ratio | 10.0685% | 3,405 |
| Tier 1 risk-based capital ratio | 11.5595% | 5,016 |
| Total risk-based capital ratio | 12.8156% | 4,917 |
| Memoranda: | ||
| Average total assets | $318,788,000 | 2,066 |
| Average earning assets | $301,115,400 | 2,034 |
| Average equity | $29,773,200 | 2,367 |
| Average total loans | $232,671,800 | 1,887 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 3,588 |
| Cost of funding earning assets | 0.1196% | 5,679 |
| Net interest margin | 3.7779% | 2,416 |
| Noninterest income to average assets | 1.2736% | 716 |
| Noninterest expense to average assets | 3.1931% | 1,795 |
| Loan and lease loss provision to assets | 0.3674% | 422 |
| Net operating income to assets | 0.8985% | 2,914 |
| Return on assets (ROA) | 0.8985% | 3,052 |
| Pretax return on assets | 1.2723% | 2,533 |
| Return on Equity (ROE) | 9.5653% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.5653% | 670 |
| Net charge-offs to loans | 0.4512% | 467 |
| Credit loss provision to net charge-offs | 109.3671% | 2,229 |
| Earnings coverage of net charge-offs (x) | 4.8810% | 3,206 |
| Efficiency ratio | 66.0713% | 3,578 |
| Assets per employee ($millions) | 4.6093% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 708 |
| Loan loss allowance to noncurrent loans | 475.0509% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 3,653 |
| Noncurrent loans to loans | 0.4248% | 3,760 |
| Net loans and leases to total assets | 69.2071% | 2,607 |
| Net loans and leases to deposits | 88.8999% | 1,904 |
| Net loans and leases to core deposits | 93.7550% | 2,211 |
| Total domestic deposits to total assets | 77.8483% | 4,940 |
| Equity capital to assets | 9.3272% | 4,842 |
| Core capital (leverage) ratio | 10.1216% | 3,411 |
| Tier 1 risk-based capital ratio | 11.1943% | 5,258 |
| Total risk-based capital ratio | 12.4505% | 5,160 |
| Memoranda: | ||
| Average total assets | $313,539,750 | 2,101 |
| Average earning assets | $295,396,750 | 2,075 |
| Average equity | $29,453,000 | 2,412 |
| Average total loans | $233,427,250 | 1,882 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9657% | 3,365 |
| Cost of funding earning assets | 0.1274% | 5,711 |
| Net interest margin | 3.8382% | 2,180 |
| Noninterest income to average assets | 1.0202% | 1,071 |
| Noninterest expense to average assets | 3.3039% | 1,585 |
| Loan and lease loss provision to assets | 0.1256% | 1,816 |
| Net operating income to assets | 0.8629% | 3,035 |
| Return on assets (ROA) | 0.8629% | 3,151 |
| Pretax return on assets | 1.1975% | 2,791 |
| Return on Equity (ROE) | 9.1628% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.1628% | 806 |
| Net charge-offs to loans | 0.6217% | 334 |
| Credit loss provision to net charge-offs | 26.6484% | 2,884 |
| Earnings coverage of net charge-offs (x) | 2.8077% | 3,204 |
| Efficiency ratio | 71.4046% | 2,759 |
| Assets per employee ($millions) | 4.1733% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 1,230 |
| Loan loss allowance to noncurrent loans | 149.1544% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 2.2155% | 692 |
| Noncurrent loans to loans | 1.1543% | 1,987 |
| Net loans and leases to total assets | 77.0717% | 1,327 |
| Net loans and leases to deposits | 90.9025% | 1,643 |
| Net loans and leases to core deposits | 96.4246% | 1,941 |
| Total domestic deposits to total assets | 84.7850% | 2,967 |
| Equity capital to assets | 9.9281% | 4,308 |
| Core capital (leverage) ratio | 9.6816% | 3,956 |
| Tier 1 risk-based capital ratio | 10.7252% | 5,564 |
| Total risk-based capital ratio | 11.9783% | 5,483 |
| Memoranda: | ||
| Average total assets | $308,967,330 | 2,128 |
| Average earning assets | $290,342,670 | 2,113 |
| Average equity | $29,096,000 | 2,446 |
| Average total loans | $234,186,330 | 1,884 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 3,487 |
| Cost of funding earning assets | 0.1236% | 5,793 |
| Net interest margin | 3.8004% | 2,282 |
| Noninterest income to average assets | 1.0076% | 1,062 |
| Noninterest expense to average assets | 3.2387% | 1,744 |
| Loan and lease loss provision to assets | 0.1226% | 1,723 |
| Net operating income to assets | 0.8352% | 3,062 |
| Return on assets (ROA) | 0.8352% | 3,191 |
| Pretax return on assets | 1.2209% | 2,615 |
| Return on Equity (ROE) | 9.1061% | 2,373 |
| Retained earnings to average equity (ytd only) | 9.1061% | 1,082 |
| Net charge-offs to loans | 0.1439% | 1,252 |
| Credit loss provision to net charge-offs | 114.2857% | 1,481 |
| Earnings coverage of net charge-offs (x) | 12.5238% | 1,787 |
| Efficiency ratio | 70.6800% | 3,007 |
| Assets per employee ($millions) | 4.3309% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9697% | 859 |
| Loan loss allowance to noncurrent loans | 131.4392% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 2.4868% | 598 |
| Noncurrent loans to loans | 1.4986% | 1,562 |
| Net loans and leases to total assets | 75.5645% | 1,461 |
| Net loans and leases to deposits | 88.4026% | 1,785 |
| Net loans and leases to core deposits | 94.7681% | 1,908 |
| Total domestic deposits to total assets | 85.4777% | 2,923 |
| Equity capital to assets | 9.6041% | 4,560 |
| Core capital (leverage) ratio | 9.2910% | 4,504 |
| Tier 1 risk-based capital ratio | 10.4695% | 5,765 |
| Total risk-based capital ratio | 11.7250% | 5,677 |
| Memoranda: | ||
| Average total assets | $313,211,000 | 2,116 |
| Average earning assets | $294,597,500 | 2,094 |
| Average equity | $28,728,000 | 2,458 |
| Average total loans | $233,458,500 | 1,891 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9308% | 3,597 |
| Cost of funding earning assets | 0.1430% | 5,727 |
| Net interest margin | 3.7878% | 2,416 |
| Noninterest income to average assets | 1.0803% | 1,007 |
| Noninterest expense to average assets | 3.3198% | 1,679 |
| Loan and lease loss provision to assets | 0.0945% | 2,428 |
| Net operating income to assets | 0.8309% | 3,189 |
| Return on assets (ROA) | 0.8325% | 3,259 |
| Pretax return on assets | 1.2118% | 2,612 |
| Return on Equity (ROE) | 9.1825% | 2,372 |
| Retained earnings to average equity (ytd only) | 2.5545% | 4,248 |
| Net charge-offs to loans | 0.1663% | 1,704 |
| Credit loss provision to net charge-offs | 79.5082% | 2,959 |
| Earnings coverage of net charge-offs (x) | 10.9699% | 2,639 |
| Efficiency ratio | 71.7969% | 2,940 |
| Assets per employee ($millions) | 4.4897% | 3,063 |
| Cash dividends to net income (ytd only)* | 72.1810% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 845 |
| Loan loss allowance to noncurrent loans | 153.0333% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 2.2186% | 759 |
| Noncurrent loans to loans | 1.2863% | 1,829 |
| Net loans and leases to total assets | 70.7294% | 2,259 |
| Net loans and leases to deposits | 81.9029% | 2,598 |
| Net loans and leases to core deposits | 86.7767% | 2,724 |
| Total domestic deposits to total assets | 86.3577% | 2,456 |
| Equity capital to assets | 8.7669% | 5,339 |
| Core capital (leverage) ratio | 9.0127% | 4,867 |
| Tier 1 risk-based capital ratio | 9.9238% | 5,966 |
| Total risk-based capital ratio | 11.1793% | 5,922 |
| Memoranda: | ||
| Average total assets | $307,877,800 | 2,106 |
| Average earning assets | $288,032,800 | 2,084 |
| Average equity | $27,911,800 | 2,466 |
| Average total loans | $220,108,800 | 1,924 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,452 |
| Cost of funding earning assets | 0.1503% | 5,772 |
| Net interest margin | 3.8229% | 2,299 |
| Noninterest income to average assets | 1.0810% | 1,029 |
| Noninterest expense to average assets | 3.3430% | 1,589 |
| Loan and lease loss provision to assets | 0.0925% | 2,317 |
| Net operating income to assets | 0.8333% | 3,262 |
| Return on assets (ROA) | 0.8354% | 3,330 |
| Pretax return on assets | 1.2169% | 2,747 |
| Return on Equity (ROE) | 9.1349% | 2,500 |
| Retained earnings to average equity (ytd only) | 0.2637% | 5,528 |
| Net charge-offs to loans | 0.1507% | 1,629 |
| Credit loss provision to net charge-offs | 86.1224% | 2,521 |
| Earnings coverage of net charge-offs (x) | 12.1591% | 2,431 |
| Efficiency ratio | 71.9015% | 2,901 |
| Assets per employee ($millions) | 4.2471% | 3,432 |
| Cash dividends to net income (ytd only)* | 97.1129% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 869 |
| Loan loss allowance to noncurrent loans | 146.7216% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 2.4205% | 730 |
| Noncurrent loans to loans | 1.3874% | 1,840 |
| Net loans and leases to total assets | 73.9231% | 1,745 |
| Net loans and leases to deposits | 87.8891% | 1,921 |
| Net loans and leases to core deposits | 94.2243% | 2,056 |
| Total domestic deposits to total assets | 84.1096% | 3,379 |
| Equity capital to assets | 9.2390% | 5,068 |
| Core capital (leverage) ratio | 8.7043% | 5,345 |
| Tier 1 risk-based capital ratio | 10.4106% | 5,913 |
| Total risk-based capital ratio | 11.6671% | 5,849 |
| Memoranda: | ||
| Average total assets | $304,032,250 | 2,139 |
| Average earning assets | $283,795,000 | 2,126 |
| Average equity | $27,804,750 | 2,483 |
| Average total loans | $216,828,250 | 1,951 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 3,198 |
| Cost of funding earning assets | 0.1536% | 5,822 |
| Net interest margin | 3.8674% | 2,080 |
| Noninterest income to average assets | 1.0608% | 1,059 |
| Noninterest expense to average assets | 3.2743% | 1,777 |
| Loan and lease loss provision to assets | 0.0859% | 2,394 |
| Net operating income to assets | 0.8893% | 2,942 |
| Return on assets (ROA) | 0.8916% | 3,052 |
| Pretax return on assets | 1.3049% | 2,345 |
| Return on Equity (ROE) | 9.7818% | 2,168 |
| Retained earnings to average equity (ytd only) | -0.2951% | 5,566 |
| Net charge-offs to loans | 0.0628% | 2,480 |
| Credit loss provision to net charge-offs | 195.5224% | 1,259 |
| Earnings coverage of net charge-offs (x) | 31.5672% | 1,326 |
| Efficiency ratio | 70.2364% | 3,295 |
| Assets per employee ($millions) | 4.3196% | 3,266 |
| Cash dividends to net income (ytd only)* | 103.0169% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 695 |
| Loan loss allowance to noncurrent loans | 279.8817% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 1.9139% | 1,180 |
| Noncurrent loans to loans | 0.8001% | 3,116 |
| Net loans and leases to total assets | 65.4863% | 3,048 |
| Net loans and leases to deposits | 77.6019% | 3,079 |
| Net loans and leases to core deposits | 83.6776% | 3,015 |
| Total domestic deposits to total assets | 84.3875% | 3,406 |
| Equity capital to assets | 8.7829% | 5,450 |
| Core capital (leverage) ratio | 8.9251% | 5,059 |
| Tier 1 risk-based capital ratio | 10.8039% | 5,800 |
| Total risk-based capital ratio | 12.0618% | 5,737 |
| Memoranda: | ||
| Average total assets | $304,860,670 | 2,151 |
| Average earning assets | $283,860,670 | 2,141 |
| Average equity | $27,786,330 | 2,499 |
| Average total loans | $213,256,000 | 1,985 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 2,856 |
| Cost of funding earning assets | 0.1573% | 5,862 |
| Net interest margin | 3.9366% | 1,765 |
| Noninterest income to average assets | 1.0640% | 996 |
| Noninterest expense to average assets | 3.2881% | 1,746 |
| Loan and lease loss provision to assets | 0.0681% | 2,582 |
| Net operating income to assets | 0.9456% | 2,532 |
| Return on assets (ROA) | 0.9492% | 2,649 |
| Pretax return on assets | 1.3871% | 1,936 |
| Return on Equity (ROE) | 10.2185% | 1,905 |
| Retained earnings to average equity (ytd only) | 0.5174% | 5,217 |
| Net charge-offs to loans | 0.0504% | 2,281 |
| Credit loss provision to net charge-offs | 188.8889% | 1,086 |
| Earnings coverage of net charge-offs (x) | 40.2222% | 969 |
| Efficiency ratio | 69.3998% | 3,596 |
| Assets per employee ($millions) | 4.2929% | 3,387 |
| Cash dividends to net income (ytd only)* | 94.9367% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1322% | 879 |
| Loan loss allowance to noncurrent loans | 198.3926% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 2.3445% | 938 |
| Noncurrent loans to loans | 1.0747% | 2,612 |
| Net loans and leases to total assets | 70.6289% | 2,055 |
| Net loans and leases to deposits | 85.2880% | 1,922 |
| Net loans and leases to core deposits | 91.1636% | 2,015 |
| Total domestic deposits to total assets | 82.8123% | 4,229 |
| Equity capital to assets | 9.1541% | 5,133 |
| Core capital (leverage) ratio | 9.0449% | 4,900 |
| Tier 1 risk-based capital ratio | 9.7891% | 6,221 |
| Total risk-based capital ratio | 11.0387% | 6,181 |
| Memoranda: | ||
| Average total assets | $299,626,000 | 2,199 |
| Average earning assets | $279,634,500 | 2,179 |
| Average equity | $27,832,000 | 2,511 |
| Average total loans | $214,270,000 | 1,982 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 3,875 |
| Cost of funding earning assets | 0.1735% | 5,956 |
| Net interest margin | 3.7863% | 2,673 |
| Noninterest income to average assets | 1.2187% | 807 |
| Noninterest expense to average assets | 3.1641% | 2,315 |
| Loan and lease loss provision to assets | 0.1287% | 2,035 |
| Net operating income to assets | 0.9891% | 2,437 |
| Return on assets (ROA) | 0.9948% | 2,486 |
| Pretax return on assets | 1.4519% | 1,718 |
| Return on Equity (ROE) | 10.8350% | 1,771 |
| Retained earnings to average equity (ytd only) | 0.5383% | 5,529 |
| Net charge-offs to loans | 0.2622% | 1,648 |
| Credit loss provision to net charge-offs | 76.5286% | 2,939 |
| Earnings coverage of net charge-offs (x) | 9.3491% | 2,761 |
| Efficiency ratio | 66.8044% | 4,090 |
| Assets per employee ($millions) | 4.0337% | 3,872 |
| Cash dividends to net income (ytd only)* | 95.0317% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2371% | 783 |
| Loan loss allowance to noncurrent loans | 343.3407% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 2.1008% | 1,178 |
| Noncurrent loans to loans | 0.6516% | 3,732 |
| Net loans and leases to total assets | 69.2497% | 2,348 |
| Net loans and leases to deposits | 86.4954% | 1,914 |
| Net loans and leases to core deposits | 90.8492% | 2,197 |
| Total domestic deposits to total assets | 80.0617% | 4,998 |
| Equity capital to assets | 9.4285% | 4,810 |
| Core capital (leverage) ratio | 9.2229% | 4,646 |
| Tier 1 risk-based capital ratio | 10.6206% | 6,051 |
| Total risk-based capital ratio | 11.8780% | 5,992 |
| Memoranda: | ||
| Average total assets | $301,474,400 | 2,155 |
| Average earning assets | $280,086,600 | 2,125 |
| Average equity | $27,678,800 | 2,432 |
| Average total loans | $193,356,800 | 2,085 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 4,034 |
| Cost of funding earning assets | 0.1783% | 6,004 |
| Net interest margin | 3.7565% | 2,786 |
| Noninterest income to average assets | 1.2079% | 831 |
| Noninterest expense to average assets | 3.1637% | 2,282 |
| Loan and lease loss provision to assets | 0.1627% | 1,529 |
| Net operating income to assets | 0.9417% | 2,723 |
| Return on assets (ROA) | 0.9493% | 2,778 |
| Pretax return on assets | 1.3763% | 2,095 |
| Return on Equity (ROE) | 10.4079% | 2,032 |
| Retained earnings to average equity (ytd only) | 0.2844% | 5,718 |
| Net charge-offs to loans | 0.0211% | 4,102 |
| Credit loss provision to net charge-offs | 1,233.3333% | 279 |
| Earnings coverage of net charge-offs (x) | 115.8305% | 513 |
| Efficiency ratio | 67.4321% | 3,953 |
| Assets per employee ($millions) | 4.0318% | 3,808 |
| Cash dividends to net income (ytd only)* | 97.2674% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6268% | 547 |
| Loan loss allowance to noncurrent loans | 371.1079% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 2.1208% | 1,323 |
| Noncurrent loans to loans | 0.7078% | 3,837 |
| Net loans and leases to total assets | 64.5490% | 3,102 |
| Net loans and leases to deposits | 75.5236% | 3,239 |
| Net loans and leases to core deposits | 79.6747% | 3,353 |
| Total domestic deposits to total assets | 85.4686% | 3,124 |
| Equity capital to assets | 9.3921% | 4,937 |
| Core capital (leverage) ratio | 9.0793% | 4,960 |
| Tier 1 risk-based capital ratio | 10.7469% | 6,112 |
| Total risk-based capital ratio | 12.0067% | 6,059 |
| Memoranda: | ||
| Average total assets | $303,228,250 | 2,153 |
| Average earning assets | $281,213,000 | 2,131 |
| Average equity | $27,657,750 | 2,443 |
| Average total loans | $189,551,500 | 2,136 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 4,234 |
| Cost of funding earning assets | 0.1804% | 6,068 |
| Net interest margin | 3.6970% | 2,976 |
| Noninterest income to average assets | 1.1653% | 855 |
| Noninterest expense to average assets | 3.0817% | 2,562 |
| Loan and lease loss provision to assets | 0.2116% | 1,115 |
| Net operating income to assets | 0.9012% | 2,792 |
| Return on assets (ROA) | 0.9125% | 2,846 |
| Pretax return on assets | 1.3148% | 2,202 |
| Return on Equity (ROE) | 10.1003% | 2,108 |
| Retained earnings to average equity (ytd only) | 2.1473% | 4,824 |
| Net charge-offs to loans | 0.0298% | 3,600 |
| Credit loss provision to net charge-offs | 1,157.1429% | 300 |
| Earnings coverage of net charge-offs (x) | 82.5714% | 642 |
| Efficiency ratio | 67.1124% | 4,180 |
| Assets per employee ($millions) | 4.0141% | 3,808 |
| Cash dividends to net income (ytd only)* | 78.7402% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6449% | 576 |
| Loan loss allowance to noncurrent loans | 324.0434% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 2.1765% | 1,408 |
| Noncurrent loans to loans | 0.8162% | 3,671 |
| Net loans and leases to total assets | 62.9620% | 3,244 |
| Net loans and leases to deposits | 72.7832% | 3,475 |
| Net loans and leases to core deposits | 77.0962% | 3,530 |
| Total domestic deposits to total assets | 86.5062% | 2,754 |
| Equity capital to assets | 9.4061% | 4,837 |
| Core capital (leverage) ratio | 8.9416% | 5,102 |
| Tier 1 risk-based capital ratio | 10.1978% | 6,336 |
| Total risk-based capital ratio | 11.4563% | 6,294 |
| Memoranda: | ||
| Average total assets | $306,197,000 | 2,134 |
| Average earning assets | $283,799,000 | 2,110 |
| Average equity | $27,662,670 | 2,433 |
| Average total loans | $187,699,670 | 2,151 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 4,733 |
| Cost of funding earning assets | 0.1790% | 6,175 |
| Net interest margin | 3.5546% | 3,459 |
| Noninterest income to average assets | 1.0889% | 943 |
| Noninterest expense to average assets | 2.9462% | 3,061 |
| Loan and lease loss provision to assets | 0.2394% | 923 |
| Net operating income to assets | 0.8370% | 2,966 |
| Return on assets (ROA) | 0.8469% | 2,986 |
| Pretax return on assets | 1.2150% | 2,421 |
| Return on Equity (ROE) | 9.5626% | 2,218 |
| Retained earnings to average equity (ytd only) | 3.7495% | 3,880 |
| Net charge-offs to loans | 0.0949% | 2,216 |
| Credit loss provision to net charge-offs | 422.7273% | 625 |
| Earnings coverage of net charge-offs (x) | 25.4318% | 1,154 |
| Efficiency ratio | 67.1655% | 4,335 |
| Assets per employee ($millions) | 4.3580% | 3,233 |
| Cash dividends to net income (ytd only)* | 60.7903% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6676% | 659 |
| Loan loss allowance to noncurrent loans | 239.0587% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 2.1362% | 1,569 |
| Noncurrent loans to loans | 1.1159% | 3,191 |
| Net loans and leases to total assets | 56.5073% | 4,079 |
| Net loans and leases to deposits | 64.1601% | 4,299 |
| Net loans and leases to core deposits | 69.9972% | 4,095 |
| Total domestic deposits to total assets | 88.0723% | 2,195 |
| Equity capital to assets | 8.6966% | 5,448 |
| Core capital (leverage) ratio | 8.5794% | 5,549 |
| Tier 1 risk-based capital ratio | 11.2108% | 6,068 |
| Total risk-based capital ratio | 12.3977% | 6,049 |
| Memoranda: | ||
| Average total assets | $310,775,000 | 2,107 |
| Average earning assets | $288,305,500 | 2,090 |
| Average equity | $27,524,000 | 2,434 |
| Average total loans | $185,497,500 | 2,179 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 4,636 |
| Cost of funding earning assets | 0.2256% | 6,142 |
| Net interest margin | 3.6225% | 3,366 |
| Noninterest income to average assets | 1.1752% | 1,022 |
| Noninterest expense to average assets | 3.0677% | 2,841 |
| Loan and lease loss provision to assets | 0.2015% | 1,848 |
| Net operating income to assets | 0.8670% | 2,937 |
| Return on assets (ROA) | 0.8980% | 2,885 |
| Pretax return on assets | 1.3157% | 2,090 |
| Return on Equity (ROE) | 10.1153% | 2,065 |
| Retained earnings to average equity (ytd only) | 2.8875% | 4,191 |
| Net charge-offs to loans | 0.2347% | 2,574 |
| Credit loss provision to net charge-offs | 144.0367% | 1,617 |
| Earnings coverage of net charge-offs (x) | 10.5206% | 2,356 |
| Efficiency ratio | 67.5807% | 4,277 |
| Assets per employee ($millions) | 4.0455% | 3,770 |
| Cash dividends to net income (ytd only)* | 71.4541% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5685% | 755 |
| Loan loss allowance to noncurrent loans | 206.1611% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 2.3855% | 1,453 |
| Noncurrent loans to loans | 1.2458% | 3,050 |
| Net loans and leases to total assets | 59.8235% | 3,749 |
| Net loans and leases to deposits | 68.0904% | 4,042 |
| Net loans and leases to core deposits | 71.4816% | 4,129 |
| Total domestic deposits to total assets | 87.8589% | 2,264 |
| Equity capital to assets | 9.0242% | 5,007 |
| Core capital (leverage) ratio | 8.6307% | 5,500 |
| Tier 1 risk-based capital ratio | 11.6210% | 5,843 |
| Total risk-based capital ratio | 12.8811% | 5,773 |
| Memoranda: | ||
| Average total assets | $311,695,000 | 2,067 |
| Average earning assets | $289,466,400 | 2,049 |
| Average equity | $27,671,000 | 2,405 |
| Average total loans | $185,802,600 | 2,148 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,651 |
| Cost of funding earning assets | 0.2379% | 6,171 |
| Net interest margin | 3.6180% | 3,372 |
| Noninterest income to average assets | 1.1444% | 1,116 |
| Noninterest expense to average assets | 3.0102% | 2,960 |
| Loan and lease loss provision to assets | 0.2609% | 1,354 |
| Net operating income to assets | 0.8441% | 3,130 |
| Return on assets (ROA) | 0.8851% | 3,021 |
| Pretax return on assets | 1.2939% | 2,354 |
| Return on Equity (ROE) | 10.0105% | 2,178 |
| Retained earnings to average equity (ytd only) | 5.2047% | 2,932 |
| Net charge-offs to loans | 0.2492% | 2,321 |
| Credit loss provision to net charge-offs | 176.9452% | 1,362 |
| Earnings coverage of net charge-offs (x) | 10.1353% | 2,391 |
| Efficiency ratio | 66.8239% | 4,336 |
| Assets per employee ($millions) | 4.3029% | 3,223 |
| Cash dividends to net income (ytd only)* | 48.0077% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5682% | 864 |
| Loan loss allowance to noncurrent loans | 165.5877% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 2.4179% | 1,603 |
| Noncurrent loans to loans | 1.5509% | 2,839 |
| Net loans and leases to total assets | 57.1334% | 4,157 |
| Net loans and leases to deposits | 65.0122% | 4,404 |
| Net loans and leases to core deposits | 68.5133% | 4,484 |
| Total domestic deposits to total assets | 87.8811% | 2,203 |
| Equity capital to assets | 8.5901% | 5,631 |
| Core capital (leverage) ratio | 8.3907% | 5,868 |
| Tier 1 risk-based capital ratio | 11.8584% | 5,868 |
| Total risk-based capital ratio | 13.1193% | 5,807 |
| Memoranda: | ||
| Average total assets | $313,764,750 | 2,062 |
| Average earning assets | $291,426,000 | 2,040 |
| Average equity | $27,743,500 | 2,430 |
| Average total loans | $185,678,500 | 2,146 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9082% | 4,444 |
| Cost of funding earning assets | 0.2576% | 6,124 |
| Net interest margin | 3.6506% | 3,174 |
| Noninterest income to average assets | 1.1597% | 1,135 |
| Noninterest expense to average assets | 3.0098% | 2,970 |
| Loan and lease loss provision to assets | 0.2799% | 1,307 |
| Net operating income to assets | 0.8572% | 3,009 |
| Return on assets (ROA) | 0.9106% | 2,876 |
| Pretax return on assets | 1.3315% | 2,183 |
| Return on Equity (ROE) | 10.1980% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.1980% | 804 |
| Net charge-offs to loans | 0.3046% | 1,968 |
| Credit loss provision to net charge-offs | 154.8043% | 1,490 |
| Earnings coverage of net charge-offs (x) | 8.4769% | 2,392 |
| Efficiency ratio | 66.2558% | 4,505 |
| Assets per employee ($millions) | 4.4177% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5298% | 956 |
| Loan loss allowance to noncurrent loans | 352.4128% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 2.0379% | 2,118 |
| Noncurrent loans to loans | 0.7179% | 4,489 |
| Net loans and leases to total assets | 56.7125% | 4,175 |
| Net loans and leases to deposits | 64.8533% | 4,393 |
| Net loans and leases to core deposits | 68.7285% | 4,429 |
| Total domestic deposits to total assets | 87.4475% | 2,564 |
| Equity capital to assets | 8.7186% | 5,525 |
| Core capital (leverage) ratio | 8.7388% | 5,370 |
| Tier 1 risk-based capital ratio | 12.0551% | 5,766 |
| Total risk-based capital ratio | 13.3153% | 5,707 |
| Memoranda: | ||
| Average total assets | $310,779,670 | 2,087 |
| Average earning assets | $288,008,670 | 2,074 |
| Average equity | $27,750,670 | 2,439 |
| Average total loans | $184,491,000 | 2,161 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 4,270 |
| Cost of funding earning assets | 0.2699% | 6,158 |
| Net interest margin | 3.6896% | 2,898 |
| Noninterest income to average assets | 1.0967% | 1,229 |
| Noninterest expense to average assets | 2.9791% | 3,056 |
| Loan and lease loss provision to assets | 0.2401% | 1,511 |
| Net operating income to assets | 0.8998% | 2,655 |
| Return on assets (ROA) | 0.9393% | 2,618 |
| Pretax return on assets | 1.3407% | 2,072 |
| Return on Equity (ROE) | 10.3890% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.3890% | 1,010 |
| Net charge-offs to loans | 0.2034% | 2,200 |
| Credit loss provision to net charge-offs | 196.7742% | 1,109 |
| Earnings coverage of net charge-offs (x) | 12.4946% | 1,594 |
| Efficiency ratio | 66.1521% | 4,639 |
| Assets per employee ($millions) | 4.4007% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5639% | 1,050 |
| Loan loss allowance to noncurrent loans | 331.4225% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 2.0631% | 2,273 |
| Noncurrent loans to loans | 0.7736% | 4,572 |
| Net loans and leases to total assets | 56.1666% | 4,056 |
| Net loans and leases to deposits | 63.9920% | 4,316 |
| Net loans and leases to core deposits | 67.8435% | 4,321 |
| Total domestic deposits to total assets | 87.7713% | 2,476 |
| Equity capital to assets | 8.8082% | 5,702 |
| Core capital (leverage) ratio | 8.5991% | 5,447 |
| Tier 1 risk-based capital ratio | 11.9190% | 5,965 |
| Total risk-based capital ratio | 13.1801% | 5,926 |
| Memoranda: | ||
| Average total assets | $304,923,000 | 2,154 |
| Average earning assets | $281,546,500 | 2,139 |
| Average equity | $27,567,500 | 2,480 |
| Average total loans | $182,916,000 | 2,180 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 4,335 |
| Cost of funding earning assets | 0.3828% | 6,031 |
| Net interest margin | 3.8841% | 2,900 |
| Noninterest income to average assets | 1.2613% | 985 |
| Noninterest expense to average assets | 3.1210% | 2,868 |
| Loan and lease loss provision to assets | 0.6851% | 766 |
| Net operating income to assets | 0.7910% | 3,323 |
| Return on assets (ROA) | 0.7901% | 3,580 |
| Pretax return on assets | 1.1076% | 3,128 |
| Return on Equity (ROE) | 9.1525% | 2,560 |
| Retained earnings to average equity (ytd only) | 3.6934% | 3,619 |
| Net charge-offs to loans | 1.0682% | 1,001 |
| Credit loss provision to net charge-offs | 100.9095% | 3,001 |
| Earnings coverage of net charge-offs (x) | 2.6424% | 4,108 |
| Efficiency ratio | 63.4993% | 4,980 |
| Assets per employee ($millions) | 4.0136% | 3,917 |
| Cash dividends to net income (ytd only)* | 59.6462% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5073% | 1,122 |
| Loan loss allowance to noncurrent loans | 199.0897% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 2.5850% | 1,881 |
| Noncurrent loans to loans | 1.2594% | 3,729 |
| Net loans and leases to total assets | 60.9538% | 3,426 |
| Net loans and leases to deposits | 69.8014% | 3,736 |
| Net loans and leases to core deposits | 73.8428% | 3,804 |
| Total domestic deposits to total assets | 87.3247% | 2,631 |
| Equity capital to assets | 9.2923% | 5,165 |
| Core capital (leverage) ratio | 8.5386% | 5,558 |
| Tier 1 risk-based capital ratio | 11.4907% | 6,110 |
| Total risk-based capital ratio | 12.7501% | 6,074 |
| Memoranda: | ||
| Average total assets | $307,690,400 | 2,091 |
| Average earning assets | $289,435,000 | 2,047 |
| Average equity | $26,561,000 | 2,517 |
| Average total loans | $195,556,800 | 2,041 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 4,565 |
| Cost of funding earning assets | 0.4005% | 6,117 |
| Net interest margin | 3.8726% | 3,017 |
| Noninterest income to average assets | 1.2041% | 1,042 |
| Noninterest expense to average assets | 3.0587% | 3,026 |
| Loan and lease loss provision to assets | 0.4916% | 1,253 |
| Net operating income to assets | 0.9138% | 2,915 |
| Return on assets (ROA) | 0.9138% | 3,141 |
| Pretax return on assets | 1.3103% | 2,556 |
| Return on Equity (ROE) | 10.7796% | 2,040 |
| Retained earnings to average equity (ytd only) | 3.4552% | 4,434 |
| Net charge-offs to loans | 0.8027% | 1,368 |
| Credit loss provision to net charge-offs | 95.9866% | 3,108 |
| Earnings coverage of net charge-offs (x) | 3.5184% | 3,610 |
| Efficiency ratio | 62.9284% | 4,988 |
| Assets per employee ($millions) | 4.1374% | 3,608 |
| Cash dividends to net income (ytd only)* | 67.9477% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4223% | 1,317 |
| Loan loss allowance to noncurrent loans | 138.1141% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 3.0133% | 1,734 |
| Noncurrent loans to loans | 1.7538% | 3,150 |
| Net loans and leases to total assets | 59.5497% | 3,868 |
| Net loans and leases to deposits | 68.1007% | 4,167 |
| Net loans and leases to core deposits | 72.2447% | 4,219 |
| Total domestic deposits to total assets | 87.4436% | 2,384 |
| Equity capital to assets | 8.8232% | 5,999 |
| Core capital (leverage) ratio | 7.8694% | 6,421 |
| Tier 1 risk-based capital ratio | 11.0402% | 6,460 |
| Total risk-based capital ratio | 12.2987% | 6,436 |
| Memoranda: | ||
| Average total assets | $311,364,500 | 2,089 |
| Average earning assets | $293,991,000 | 2,031 |
| Average equity | $26,394,750 | 2,553 |
| Average total loans | $198,650,000 | 2,038 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 4,500 |
| Cost of funding earning assets | 0.4104% | 6,216 |
| Net interest margin | 3.9056% | 2,884 |
| Noninterest income to average assets | 1.1249% | 1,129 |
| Noninterest expense to average assets | 2.9895% | 3,293 |
| Loan and lease loss provision to assets | 0.3073% | 2,149 |
| Net operating income to assets | 1.0559% | 2,222 |
| Return on assets (ROA) | 1.0559% | 2,450 |
| Pretax return on assets | 1.5420% | 1,738 |
| Return on Equity (ROE) | 12.6239% | 1,467 |
| Retained earnings to average equity (ytd only) | 1.5503% | 5,432 |
| Net charge-offs to loans | 0.3831% | 2,487 |
| Credit loss provision to net charge-offs | 123.9691% | 2,212 |
| Earnings coverage of net charge-offs (x) | 7.4613% | 2,478 |
| Efficiency ratio | 61.7822% | 5,284 |
| Assets per employee ($millions) | 4.2218% | 3,418 |
| Cash dividends to net income (ytd only)* | 87.7193% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3099% | 1,572 |
| Loan loss allowance to noncurrent loans | 77.3066% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.9809% | 2,798 |
| Noncurrent loans to loans | 2.9879% | 1,983 |
| Net loans and leases to total assets | 59.9394% | 3,832 |
| Net loans and leases to deposits | 67.6033% | 4,269 |
| Net loans and leases to core deposits | 75.2087% | 3,850 |
| Total domestic deposits to total assets | 88.6635% | 1,730 |
| Equity capital to assets | 8.0076% | 6,562 |
| Core capital (leverage) ratio | 8.0461% | 6,226 |
| Tier 1 risk-based capital ratio | 10.6260% | 6,653 |
| Total risk-based capital ratio | 11.8848% | 6,635 |
| Memoranda: | ||
| Average total assets | $313,095,670 | 2,070 |
| Average earning assets | $297,725,330 | 1,999 |
| Average equity | $26,188,330 | 2,556 |
| Average total loans | $202,583,330 | 2,001 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 4,114 |
| Cost of funding earning assets | 0.4369% | 6,224 |
| Net interest margin | 4.0138% | 2,449 |
| Noninterest income to average assets | 1.1331% | 1,096 |
| Noninterest expense to average assets | 3.0847% | 2,970 |
| Loan and lease loss provision to assets | 0.3148% | 1,991 |
| Net operating income to assets | 1.0544% | 2,269 |
| Return on assets (ROA) | 1.0544% | 2,462 |
| Pretax return on assets | 1.5410% | 1,768 |
| Return on Equity (ROE) | 12.3228% | 1,574 |
| Retained earnings to average equity (ytd only) | 1.2108% | 5,607 |
| Net charge-offs to loans | 0.5009% | 1,835 |
| Credit loss provision to net charge-offs | 94.4882% | 2,467 |
| Earnings coverage of net charge-offs (x) | 5.5709% | 2,336 |
| Efficiency ratio | 62.4370% | 5,199 |
| Assets per employee ($millions) | 4.0402% | 3,919 |
| Cash dividends to net income (ytd only)* | 90.1741% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2351% | 1,815 |
| Loan loss allowance to noncurrent loans | 133.8028% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 4,035 |
| Noncurrent loans to loans | 1.6704% | 3,596 |
| Net loans and leases to total assets | 63.2929% | 2,984 |
| Net loans and leases to deposits | 73.4857% | 3,197 |
| Net loans and leases to core deposits | 77.8542% | 3,350 |
| Total domestic deposits to total assets | 86.1296% | 3,455 |
| Equity capital to assets | 8.2973% | 6,273 |
| Core capital (leverage) ratio | 8.1057% | 6,152 |
| Tier 1 risk-based capital ratio | 10.9141% | 6,576 |
| Total risk-based capital ratio | 12.1733% | 6,560 |
| Memoranda: | ||
| Average total assets | $304,994,000 | 2,133 |
| Average earning assets | $289,302,000 | 2,068 |
| Average equity | $26,098,000 | 2,561 |
| Average total loans | $202,851,500 | 2,006 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 4,739 |
| Cost of funding earning assets | 0.5614% | 6,283 |
| Net interest margin | 4.0221% | 2,776 |
| Noninterest income to average assets | 1.1283% | 1,029 |
| Noninterest expense to average assets | 3.0687% | 3,316 |
| Loan and lease loss provision to assets | 0.3636% | 2,823 |
| Net operating income to assets | 1.0148% | 2,151 |
| Return on assets (ROA) | 1.0121% | 2,302 |
| Pretax return on assets | 1.5014% | 1,465 |
| Return on Equity (ROE) | 12.1744% | 1,360 |
| Retained earnings to average equity (ytd only) | 2.1632% | 4,677 |
| Net charge-offs to loans | 0.5431% | 2,840 |
| Credit loss provision to net charge-offs | 100.4509% | 3,478 |
| Earnings coverage of net charge-offs (x) | 5.1632% | 2,882 |
| Efficiency ratio | 62.1497% | 5,436 |
| Assets per employee ($millions) | 3.7801% | 4,368 |
| Cash dividends to net income (ytd only)* | 82.2315% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2679% | 1,679 |
| Loan loss allowance to noncurrent loans | 150.0164% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 1.3071% | 4,033 |
| Noncurrent loans to loans | 1.5118% | 3,880 |
| Net loans and leases to total assets | 66.8506% | 2,620 |
| Net loans and leases to deposits | 81.5191% | 2,269 |
| Net loans and leases to core deposits | 86.8325% | 2,523 |
| Total domestic deposits to total assets | 82.0061% | 5,124 |
| Equity capital to assets | 8.8343% | 5,752 |
| Core capital (leverage) ratio | 8.3084% | 5,844 |
| Tier 1 risk-based capital ratio | 11.2419% | 6,321 |
| Total risk-based capital ratio | 12.5019% | 6,289 |
| Memoranda: | ||
| Average total assets | $306,383,800 | 2,085 |
| Average earning assets | $290,170,000 | 2,020 |
| Average equity | $25,471,400 | 2,527 |
| Average total loans | $204,212,400 | 2,002 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 5,045 |
| Cost of funding earning assets | 0.5772% | 6,392 |
| Net interest margin | 3.9816% | 2,999 |
| Noninterest income to average assets | 1.0899% | 1,129 |
| Noninterest expense to average assets | 3.0626% | 3,309 |
| Loan and lease loss provision to assets | 0.2423% | 3,582 |
| Net operating income to assets | 1.0423% | 2,167 |
| Return on assets (ROA) | 1.0411% | 2,326 |
| Pretax return on assets | 1.5542% | 1,502 |
| Return on Equity (ROE) | 12.7133% | 1,357 |
| Retained earnings to average equity (ytd only) | 4.5536% | 3,478 |
| Net charge-offs to loans | 0.5988% | 2,465 |
| Credit loss provision to net charge-offs | 61.0870% | 4,777 |
| Earnings coverage of net charge-offs (x) | 4.5337% | 3,035 |
| Efficiency ratio | 63.0067% | 5,237 |
| Assets per employee ($millions) | 3.9900% | 3,874 |
| Cash dividends to net income (ytd only)* | 64.1823% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0652% | 2,158 |
| Loan loss allowance to noncurrent loans | 97.5220% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.7952% | 3,401 |
| Noncurrent loans to loans | 2.1177% | 3,221 |
| Net loans and leases to total assets | 64.1653% | 3,274 |
| Net loans and leases to deposits | 77.9303% | 3,011 |
| Net loans and leases to core deposits | 82.7466% | 3,217 |
| Total domestic deposits to total assets | 82.3368% | 4,962 |
| Equity capital to assets | 8.4497% | 6,353 |
| Core capital (leverage) ratio | 7.9974% | 6,402 |
| Tier 1 risk-based capital ratio | 10.9709% | 6,557 |
| Total risk-based capital ratio | 12.2280% | 6,532 |
| Memoranda: | ||
| Average total assets | $309,267,250 | 2,078 |
| Average earning assets | $292,910,000 | 2,007 |
| Average equity | $25,327,250 | 2,537 |
| Average total loans | $204,844,750 | 2,020 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 5,083 |
| Cost of funding earning assets | 0.5879% | 6,510 |
| Net interest margin | 3.9863% | 2,906 |
| Noninterest income to average assets | 1.0278% | 1,253 |
| Noninterest expense to average assets | 3.0847% | 3,308 |
| Loan and lease loss provision to assets | 0.1782% | 4,139 |
| Net operating income to assets | 1.0283% | 2,112 |
| Return on assets (ROA) | 1.0265% | 2,213 |
| Pretax return on assets | 1.5365% | 1,416 |
| Return on Equity (ROE) | 12.6700% | 1,285 |
| Retained earnings to average equity (ytd only) | 0.2720% | 5,729 |
| Net charge-offs to loans | 0.1716% | 4,151 |
| Credit loss provision to net charge-offs | 156.2500% | 1,948 |
| Earnings coverage of net charge-offs (x) | 15.0568% | 1,434 |
| Efficiency ratio | 64.2375% | 5,192 |
| Assets per employee ($millions) | 3.8699% | 4,055 |
| Cash dividends to net income (ytd only)* | 97.8535% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 1,799 |
| Loan loss allowance to noncurrent loans | 106.2116% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 3,706 |
| Noncurrent loans to loans | 2.1344% | 3,305 |
| Net loans and leases to total assets | 65.0027% | 3,256 |
| Net loans and leases to deposits | 78.6178% | 3,018 |
| Net loans and leases to core deposits | 83.3837% | 3,310 |
| Total domestic deposits to total assets | 82.6819% | 4,911 |
| Equity capital to assets | 8.1755% | 6,536 |
| Core capital (leverage) ratio | 8.1575% | 6,089 |
| Tier 1 risk-based capital ratio | 10.8549% | 6,624 |
| Total risk-based capital ratio | 12.1148% | 6,587 |
| Memoranda: | ||
| Average total assets | $308,617,000 | 2,086 |
| Average earning assets | $292,203,330 | 2,021 |
| Average equity | $25,004,000 | 2,559 |
| Average total loans | $205,158,000 | 2,035 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 4,975 |
| Cost of funding earning assets | 0.6044% | 6,596 |
| Net interest margin | 3.9896% | 2,728 |
| Noninterest income to average assets | 0.8892% | 1,695 |
| Noninterest expense to average assets | 3.0650% | 3,406 |
| Loan and lease loss provision to assets | 0.1947% | 3,680 |
| Net operating income to assets | 0.9386% | 2,408 |
| Return on assets (ROA) | 0.9386% | 2,470 |
| Pretax return on assets | 1.4085% | 1,706 |
| Return on Equity (ROE) | 11.6376% | 1,567 |
| Retained earnings to average equity (ytd only) | -0.4346% | 5,873 |
| Net charge-offs to loans | 0.1660% | 3,484 |
| Credit loss provision to net charge-offs | 176.4706% | 1,653 |
| Earnings coverage of net charge-offs (x) | 14.5294% | 1,362 |
| Efficiency ratio | 65.6563% | 5,093 |
| Assets per employee ($millions) | 3.8581% | 4,162 |
| Cash dividends to net income (ytd only)* | 103.7344% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,881 |
| Loan loss allowance to noncurrent loans | 212.3740% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 5,014 |
| Noncurrent loans to loans | 1.0533% | 4,948 |
| Net loans and leases to total assets | 66.4497% | 2,890 |
| Net loans and leases to deposits | 78.4386% | 2,987 |
| Net loans and leases to core deposits | 83.2391% | 3,272 |
| Total domestic deposits to total assets | 84.7155% | 4,167 |
| Equity capital to assets | 8.1537% | 6,334 |
| Core capital (leverage) ratio | 7.9215% | 6,338 |
| Tier 1 risk-based capital ratio | 10.7067% | 6,686 |
| Total risk-based capital ratio | 11.9663% | 6,666 |
| Memoranda: | ||
| Average total assets | $308,128,000 | 2,108 |
| Average earning assets | $291,861,000 | 2,045 |
| Average equity | $24,850,500 | 2,557 |
| Average total loans | $204,780,500 | 2,055 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 4,952 |
| Cost of funding earning assets | 0.7568% | 6,714 |
| Net interest margin | 4.1568% | 2,337 |
| Noninterest income to average assets | 1.3389% | 820 |
| Noninterest expense to average assets | 3.1568% | 3,247 |
| Loan and lease loss provision to assets | 0.3093% | 4,326 |
| Net operating income to assets | 1.1330% | 1,601 |
| Return on assets (ROA) | 1.1339% | 1,675 |
| Pretax return on assets | 1.7586% | 834 |
| Return on Equity (ROE) | 13.9261% | 894 |
| Retained earnings to average equity (ytd only) | 3.9189% | 3,114 |
| Net charge-offs to loans | 0.3902% | 4,086 |
| Credit loss provision to net charge-offs | 112.9762% | 3,860 |
| Earnings coverage of net charge-offs (x) | 7.5488% | 2,112 |
| Efficiency ratio | 60.4355% | 5,983 |
| Assets per employee ($millions) | 3.8933% | 4,024 |
| Cash dividends to net income (ytd only)* | 71.8597% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2575% | 1,760 |
| Loan loss allowance to noncurrent loans | 292.3225% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.9841% | 5,041 |
| Noncurrent loans to loans | 0.7723% | 5,501 |
| Net loans and leases to total assets | 63.5144% | 3,967 |
| Net loans and leases to deposits | 74.1822% | 4,165 |
| Net loans and leases to core deposits | 78.3936% | 4,410 |
| Total domestic deposits to total assets | 85.6195% | 3,544 |
| Equity capital to assets | 7.9782% | 6,517 |
| Core capital (leverage) ratio | 7.7998% | 6,438 |
| Tier 1 risk-based capital ratio | 10.8600% | 6,439 |
| Total risk-based capital ratio | 12.1197% | 6,404 |
| Memoranda: | ||
| Average total assets | $306,829,400 | 2,119 |
| Average earning assets | $286,736,000 | 2,072 |
| Average equity | $24,981,800 | 2,560 |
| Average total loans | $215,293,400 | 2,011 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 4,795 |
| Cost of funding earning assets | 0.7882% | 6,797 |
| Net interest margin | 4.2161% | 2,162 |
| Noninterest income to average assets | 1.2946% | 823 |
| Noninterest expense to average assets | 3.2199% | 2,858 |
| Loan and lease loss provision to assets | 0.2338% | 4,734 |
| Net operating income to assets | 1.1752% | 1,658 |
| Return on assets (ROA) | 1.1764% | 1,749 |
| Pretax return on assets | 1.7692% | 979 |
| Return on Equity (ROE) | 14.3750% | 960 |
| Retained earnings to average equity (ytd only) | 6.3800% | 2,152 |
| Net charge-offs to loans | 0.3582% | 3,869 |
| Credit loss provision to net charge-offs | 91.3118% | 4,713 |
| Earnings coverage of net charge-offs (x) | 7.8160% | 2,260 |
| Efficiency ratio | 61.6708% | 5,671 |
| Assets per employee ($millions) | 3.8518% | 4,143 |
| Cash dividends to net income (ytd only)* | 55.6174% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1034% | 1,992 |
| Loan loss allowance to noncurrent loans | 191.2798% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 5,054 |
| Noncurrent loans to loans | 1.0997% | 5,042 |
| Net loans and leases to total assets | 65.7697% | 3,740 |
| Net loans and leases to deposits | 77.2745% | 3,962 |
| Net loans and leases to core deposits | 82.2300% | 4,214 |
| Total domestic deposits to total assets | 85.1118% | 3,565 |
| Equity capital to assets | 8.2122% | 6,603 |
| Core capital (leverage) ratio | 7.9478% | 6,421 |
| Tier 1 risk-based capital ratio | 11.1906% | 6,201 |
| Total risk-based capital ratio | 12.4496% | 6,186 |
| Memoranda: | ||
| Average total assets | $305,671,000 | 2,153 |
| Average earning assets | $284,678,750 | 2,108 |
| Average equity | $25,015,000 | 2,586 |
| Average total loans | $218,518,500 | 2,008 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 4,515 |
| Cost of funding earning assets | 0.8303% | 6,817 |
| Net interest margin | 4.2578% | 1,929 |
| Noninterest income to average assets | 1.2959% | 758 |
| Noninterest expense to average assets | 3.2211% | 2,832 |
| Loan and lease loss provision to assets | 0.2398% | 4,517 |
| Net operating income to assets | 1.1605% | 1,674 |
| Return on assets (ROA) | 1.1622% | 1,727 |
| Pretax return on assets | 1.7802% | 924 |
| Return on Equity (ROE) | 14.2185% | 995 |
| Retained earnings to average equity (ytd only) | 11.8004% | 514 |
| Net charge-offs to loans | 0.3774% | 3,473 |
| Credit loss provision to net charge-offs | 87.0813% | 4,517 |
| Earnings coverage of net charge-offs (x) | 7.3254% | 2,318 |
| Efficiency ratio | 61.4891% | 5,769 |
| Assets per employee ($millions) | 3.8040% | 4,215 |
| Cash dividends to net income (ytd only)* | 17.0068% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 2,169 |
| Loan loss allowance to noncurrent loans | 205.8879% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 5,322 |
| Noncurrent loans to loans | 0.9734% | 5,362 |
| Net loans and leases to total assets | 69.0706% | 3,113 |
| Net loans and leases to deposits | 81.6603% | 3,322 |
| Net loans and leases to core deposits | 86.0956% | 3,813 |
| Total domestic deposits to total assets | 84.5829% | 3,828 |
| Equity capital to assets | 8.2484% | 6,482 |
| Core capital (leverage) ratio | 8.1991% | 5,941 |
| Tier 1 risk-based capital ratio | 10.9597% | 6,280 |
| Total risk-based capital ratio | 12.2181% | 6,260 |
| Memoranda: | ||
| Average total assets | $303,562,000 | 2,181 |
| Average earning assets | $281,087,000 | 2,152 |
| Average equity | $24,812,670 | 2,608 |
| Average total loans | $221,488,330 | 2,010 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 4,038 |
| Cost of funding earning assets | 0.8947% | 6,789 |
| Net interest margin | 4.3017% | 1,687 |
| Noninterest income to average assets | 1.2693% | 757 |
| Noninterest expense to average assets | 3.2320% | 2,751 |
| Loan and lease loss provision to assets | 0.2418% | 4,116 |
| Net operating income to assets | 1.1517% | 1,674 |
| Return on assets (ROA) | 1.1517% | 1,756 |
| Pretax return on assets | 1.7396% | 985 |
| Return on Equity (ROE) | 14.1575% | 1,026 |
| Retained earnings to average equity (ytd only) | 9.2303% | 1,340 |
| Net charge-offs to loans | 0.3149% | 3,158 |
| Credit loss provision to net charge-offs | 103.4286% | 3,307 |
| Earnings coverage of net charge-offs (x) | 8.4743% | 1,957 |
| Efficiency ratio | 61.9938% | 5,834 |
| Assets per employee ($millions) | 3.6685% | 4,652 |
| Cash dividends to net income (ytd only)* | 34.8028% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0280% | 2,111 |
| Loan loss allowance to noncurrent loans | 85.2127% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 2.0631% | 3,428 |
| Noncurrent loans to loans | 2.3799% | 3,297 |
| Net loans and leases to total assets | 70.8566% | 2,729 |
| Net loans and leases to deposits | 82.6897% | 3,165 |
| Net loans and leases to core deposits | 87.5232% | 3,676 |
| Total domestic deposits to total assets | 85.6897% | 3,321 |
| Equity capital to assets | 8.0939% | 6,549 |
| Core capital (leverage) ratio | 8.0691% | 6,132 |
| Tier 1 risk-based capital ratio | 10.6964% | 6,445 |
| Total risk-based capital ratio | 11.9554% | 6,424 |
| Memoranda: | ||
| Average total assets | $299,379,500 | 2,254 |
| Average earning assets | $274,496,500 | 2,249 |
| Average equity | $24,354,500 | 2,685 |
| Average total loans | $222,304,500 | 2,058 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4238% | 4,573 |
| Cost of funding earning assets | 1.3909% | 5,972 |
| Net interest margin | 4.0329% | 2,732 |
| Noninterest income to average assets | 1.5908% | 569 |
| Noninterest expense to average assets | 3.3500% | 2,836 |
| Loan and lease loss provision to assets | 0.4317% | 4,241 |
| Net operating income to assets | 1.0607% | 1,625 |
| Return on assets (ROA) | 1.0607% | 1,670 |
| Pretax return on assets | 1.6039% | 956 |
| Return on Equity (ROE) | 13.8372% | 813 |
| Retained earnings to average equity (ytd only) | 7.3041% | 874 |
| Net charge-offs to loans | 0.3224% | 4,622 |
| Credit loss provision to net charge-offs | 173.3244% | 2,443 |
| Earnings coverage of net charge-offs (x) | 8.1729% | 1,984 |
| Efficiency ratio | 62.2032% | 6,121 |
| Assets per employee ($millions) | 3.5454% | 4,908 |
| Cash dividends to net income (ytd only)* | 47.2144% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 2,062 |
| Loan loss allowance to noncurrent loans | 141.0054% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 1.4735% | 4,182 |
| Noncurrent loans to loans | 1.4096% | 4,570 |
| Net loans and leases to total assets | 74.7383% | 2,090 |
| Net loans and leases to deposits | 88.1753% | 2,529 |
| Net loans and leases to core deposits | 105.5178% | 3,389 |
| Total domestic deposits to total assets | 84.7610% | 3,677 |
| Equity capital to assets | 8.1775% | 6,367 |
| Core capital (leverage) ratio | 7.8386% | 6,407 |
| Tier 1 risk-based capital ratio | 10.2761% | 6,611 |
| Total risk-based capital ratio | 11.5347% | 6,574 |
| Memoranda: | ||
| Average total assets | $299,526,400 | 2,219 |
| Average earning assets | $281,832,600 | 2,174 |
| Average equity | $22,959,800 | 2,831 |
| Average total loans | $231,383,400 | 2,024 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4275% | 4,809 |
| Cost of funding earning assets | 1.4518% | 6,030 |
| Net interest margin | 3.9758% | 2,915 |
| Noninterest income to average assets | 1.5459% | 624 |
| Noninterest expense to average assets | 3.3629% | 2,683 |
| Loan and lease loss provision to assets | 0.2535% | 4,924 |
| Net operating income to assets | 1.1000% | 1,733 |
| Return on assets (ROA) | 1.1000% | 1,790 |
| Pretax return on assets | 1.6713% | 1,026 |
| Return on Equity (ROE) | 14.5886% | 825 |
| Retained earnings to average equity (ytd only) | 5.7720% | 2,064 |
| Net charge-offs to loans | 0.2625% | 4,408 |
| Credit loss provision to net charge-offs | 124.6187% | 4,043 |
| Earnings coverage of net charge-offs (x) | 9.4619% | 2,108 |
| Efficiency ratio | 63.5990% | 5,825 |
| Assets per employee ($millions) | 3.6992% | 4,429 |
| Cash dividends to net income (ytd only)* | 60.4351% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7860% | 2,321 |
| Loan loss allowance to noncurrent loans | 105.1449% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 4,004 |
| Noncurrent loans to loans | 1.6986% | 4,093 |
| Net loans and leases to total assets | 71.2495% | 3,210 |
| Net loans and leases to deposits | 85.2271% | 3,462 |
| Net loans and leases to core deposits | 104.9927% | 3,822 |
| Total domestic deposits to total assets | 83.5995% | 3,906 |
| Equity capital to assets | 7.5769% | 7,240 |
| Core capital (leverage) ratio | 7.5130% | 6,952 |
| Tier 1 risk-based capital ratio | 9.7959% | 7,141 |
| Total risk-based capital ratio | 11.0519% | 7,102 |
| Memoranda: | ||
| Average total assets | $300,840,000 | 2,224 |
| Average earning assets | $283,142,250 | 2,179 |
| Average equity | $22,683,750 | 2,888 |
| Average total loans | $233,130,750 | 2,033 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5064% | 4,591 |
| Cost of funding earning assets | 1.5038% | 6,122 |
| Net interest margin | 4.0026% | 2,694 |
| Noninterest income to average assets | 1.5400% | 630 |
| Noninterest expense to average assets | 3.3306% | 2,850 |
| Loan and lease loss provision to assets | 0.2655% | 4,456 |
| Net operating income to assets | 1.1279% | 1,672 |
| Return on assets (ROA) | 1.1279% | 1,754 |
| Pretax return on assets | 1.7188% | 980 |
| Return on Equity (ROE) | 14.9841% | 829 |
| Retained earnings to average equity (ytd only) | 1.5895% | 4,444 |
| Net charge-offs to loans | 0.3734% | 3,325 |
| Credit loss provision to net charge-offs | 89.7727% | 4,935 |
| Earnings coverage of net charge-offs (x) | 6.7091% | 2,563 |
| Efficiency ratio | 62.6660% | 6,147 |
| Assets per employee ($millions) | 3.5820% | 4,620 |
| Cash dividends to net income (ytd only)* | 89.3921% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 2,481 |
| Loan loss allowance to noncurrent loans | 105.5677% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.7029% | 3,624 |
| Noncurrent loans to loans | 1.5747% | 4,137 |
| Net loans and leases to total assets | 76.0451% | 2,173 |
| Net loans and leases to deposits | 90.4078% | 2,765 |
| Net loans and leases to core deposits | 111.9109% | 3,144 |
| Total domestic deposits to total assets | 84.1135% | 3,704 |
| Equity capital to assets | 7.4891% | 7,276 |
| Core capital (leverage) ratio | 7.5228% | 6,987 |
| Tier 1 risk-based capital ratio | 9.2992% | 7,538 |
| Total risk-based capital ratio | 10.5538% | 7,524 |
| Memoranda: | ||
| Average total assets | $297,541,670 | 2,267 |
| Average earning assets | $280,617,670 | 2,220 |
| Average equity | $22,397,000 | 2,928 |
| Average total loans | $235,700,000 | 2,040 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6099% | 4,295 |
| Cost of funding earning assets | 1.5086% | 6,378 |
| Net interest margin | 4.1013% | 2,259 |
| Noninterest income to average assets | 1.4479% | 670 |
| Noninterest expense to average assets | 3.2163% | 2,915 |
| Loan and lease loss provision to assets | 0.2258% | 4,196 |
| Net operating income to assets | 1.2208% | 1,597 |
| Return on assets (ROA) | 1.2208% | 1,702 |
| Pretax return on assets | 1.8725% | 857 |
| Return on Equity (ROE) | 16.1766% | 793 |
| Retained earnings to average equity (ytd only) | 3.6366% | 3,875 |
| Net charge-offs to loans | 0.0438% | 4,864 |
| Credit loss provision to net charge-offs | 642.3077% | 897 |
| Earnings coverage of net charge-offs (x) | 59.6923% | 651 |
| Efficiency ratio | 60.5190% | 6,319 |
| Assets per employee ($millions) | 3.5788% | 4,628 |
| Cash dividends to net income (ytd only)* | 77.5194% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 2,082 |
| Loan loss allowance to noncurrent loans | 110.1930% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 3,989 |
| Noncurrent loans to loans | 1.5590% | 3,946 |
| Net loans and leases to total assets | 77.1519% | 2,000 |
| Net loans and leases to deposits | 89.9475% | 2,937 |
| Net loans and leases to core deposits | 110.9567% | 3,315 |
| Total domestic deposits to total assets | 85.7744% | 2,840 |
| Equity capital to assets | 7.4852% | 7,361 |
| Core capital (leverage) ratio | 7.4936% | 7,164 |
| Tier 1 risk-based capital ratio | 9.2682% | 7,614 |
| Total risk-based capital ratio | 10.5237% | 7,584 |
| Memoranda: | ||
| Average total assets | $295,867,000 | 2,299 |
| Average earning assets | $278,935,000 | 2,243 |
| Average equity | $22,328,500 | 2,942 |
| Average total loans | $237,209,500 | 2,046 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3081% | 3,923 |
| Cost of funding earning assets | 1.9875% | 6,448 |
| Net interest margin | 4.3207% | 1,916 |
| Noninterest income to average assets | 1.6820% | 483 |
| Noninterest expense to average assets | 3.5735% | 2,214 |
| Loan and lease loss provision to assets | 0.2861% | 4,093 |
| Net operating income to assets | 1.2061% | 1,749 |
| Return on assets (ROA) | 1.2061% | 1,689 |
| Pretax return on assets | 1.8645% | 823 |
| Return on Equity (ROE) | 16.1140% | 751 |
| Retained earnings to average equity (ytd only) | 2.8684% | 3,390 |
| Net charge-offs to loans | 0.0607% | 5,910 |
| Credit loss provision to net charge-offs | 606.5217% | 705 |
| Earnings coverage of net charge-offs (x) | 45.5870% | 816 |
| Efficiency ratio | 62.4283% | 5,869 |
| Assets per employee ($millions) | 3.3461% | 5,101 |
| Cash dividends to net income (ytd only)* | 82.1995% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 2,097 |
| Loan loss allowance to noncurrent loans | 127.5840% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 3,925 |
| Noncurrent loans to loans | 1.2863% | 3,940 |
| Net loans and leases to total assets | 80.5588% | 1,536 |
| Net loans and leases to deposits | 95.9939% | 2,452 |
| Net loans and leases to core deposits | 114.8945% | 3,246 |
| Total domestic deposits to total assets | 83.9207% | 3,362 |
| Equity capital to assets | 7.6104% | 7,293 |
| Core capital (leverage) ratio | 7.6450% | 7,013 |
| Tier 1 risk-based capital ratio | 9.2703% | 7,551 |
| Total risk-based capital ratio | 10.5255% | 7,475 |
| Memoranda: | ||
| Average total assets | $292,513,200 | 2,239 |
| Average earning assets | $273,662,000 | 2,206 |
| Average equity | $21,894,000 | 2,988 |
| Average total loans | $227,297,200 | 2,069 |