Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 4,014 |
| Cost of funding earning assets | 0.7987% | 3,736 |
| Net interest margin | 3.1679% | 2,949 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.3326% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1310% | 1,827 |
| Return on assets (ROA) | 1.1383% | 1,791 |
| Pretax return on assets | 1.1383% | 2,296 |
| Return on Equity (ROE) | 43.2900% | 73 |
| Retained earnings to average equity (ytd only) | 15.5015% | 296 |
| Net charge-offs to loans | 0.0113% | 2,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 391.8125% | 358 |
| Efficiency ratio | 67.3456% | 2,186 |
| Assets per employee ($millions) | 6.8565% | 2,169 |
| Cash dividends to net income (ytd only)* | 64.1940% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 1,488 |
| Loan loss allowance to noncurrent loans | 140.5818% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 1,993 |
| Noncurrent loans to loans | 0.9775% | 757 |
| Net loans and leases to total assets | 24.6800% | 4,372 |
| Net loans and leases to deposits | 26.7720% | 4,388 |
| Net loans and leases to core deposits | 27.8348% | 4,418 |
| Total domestic deposits to total assets | 92.1700% | 281 |
| Equity capital to assets | 3.7346% | 4,512 |
| Core capital (leverage) ratio | 8.7751% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0269% | 373 |
| Memoranda: | ||
| Average total assets | $554,264,600 | 1,598 |
| Average earning assets | $532,020,000 | 1,545 |
| Average equity | $14,572,800 | 3,299 |
| Average total loans | $141,193,800 | 2,754 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 4,016 |
| Cost of funding earning assets | 0.6566% | 3,854 |
| Net interest margin | 3.2312% | 2,847 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.3411% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1738% | 1,869 |
| Return on assets (ROA) | 1.1834% | 1,821 |
| Pretax return on assets | 1.1834% | 2,339 |
| Return on Equity (ROE) | 50.4000% | 72 |
| Retained earnings to average equity (ytd only) | 16.4725% | 429 |
| Net charge-offs to loans | 0.0170% | 1,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 270.1111% | 483 |
| Efficiency ratio | 66.6048% | 2,207 |
| Assets per employee ($millions) | 6.3139% | 2,481 |
| Cash dividends to net income (ytd only)* | 67.3195% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 1,690 |
| Loan loss allowance to noncurrent loans | 137.0476% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 1,974 |
| Noncurrent loans to loans | 0.9791% | 833 |
| Net loans and leases to total assets | 26.1500% | 4,377 |
| Net loans and leases to deposits | 27.5811% | 4,406 |
| Net loans and leases to core deposits | 28.4003% | 4,400 |
| Total domestic deposits to total assets | 94.8000% | 135 |
| Equity capital to assets | 1.9216% | 4,547 |
| Core capital (leverage) ratio | 8.8144% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2979% | 417 |
| Memoranda: | ||
| Average total assets | $552,272,500 | 1,605 |
| Average earning assets | $529,823,000 | 1,550 |
| Average equity | $12,966,750 | 3,424 |
| Average total loans | $141,326,250 | 2,760 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,037 |
| Cost of funding earning assets | 0.4784% | 4,022 |
| Net interest margin | 3.3090% | 2,728 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.3088% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2774% | 1,627 |
| Return on assets (ROA) | 1.2918% | 1,576 |
| Pretax return on assets | 1.2918% | 2,105 |
| Return on Equity (ROE) | 51.9400% | 61 |
| Retained earnings to average equity (ytd only) | 18.6373% | 306 |
| Net charge-offs to loans | 0.0214% | 1,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 236.4667% | 529 |
| Efficiency ratio | 64.3804% | 2,439 |
| Assets per employee ($millions) | 6.5268% | 2,260 |
| Cash dividends to net income (ytd only)* | 64.1204% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 1,660 |
| Loan loss allowance to noncurrent loans | 131.4752% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 1,863 |
| Noncurrent loans to loans | 1.0374% | 717 |
| Net loans and leases to total assets | 25.5100% | 4,402 |
| Net loans and leases to deposits | 27.5716% | 4,422 |
| Net loans and leases to core deposits | 28.0225% | 4,424 |
| Total domestic deposits to total assets | 92.5300% | 318 |
| Equity capital to assets | 2.7910% | 4,575 |
| Core capital (leverage) ratio | 8.7399% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2569% | 421 |
| Memoranda: | ||
| Average total assets | $555,365,000 | 1,591 |
| Average earning assets | $533,037,333 | 1,546 |
| Average equity | $13,811,000 | 3,371 |
| Average total loans | $140,465,667 | 2,765 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 3,978 |
| Cost of funding earning assets | 0.2665% | 4,264 |
| Net interest margin | 3.4650% | 2,458 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.2837% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4371% | 1,313 |
| Return on assets (ROA) | 1.5015% | 1,162 |
| Pretax return on assets | 1.5015% | 1,668 |
| Return on Equity (ROE) | 64.2300% | 52 |
| Retained earnings to average equity (ytd only) | 24.4308% | 196 |
| Net charge-offs to loans | 0.0057% | 1,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,004.0000% | 103 |
| Efficiency ratio | 61.3772% | 2,766 |
| Assets per employee ($millions) | 6.6706% | 2,221 |
| Cash dividends to net income (ytd only)* | 61.9638% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,602 |
| Loan loss allowance to noncurrent loans | 127.6721% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 1,750 |
| Noncurrent loans to loans | 1.1003% | 646 |
| Net loans and leases to total assets | 24.9800% | 4,467 |
| Net loans and leases to deposits | 26.4373% | 4,493 |
| Net loans and leases to core deposits | 26.7833% | 4,492 |
| Total domestic deposits to total assets | 94.5000% | 127 |
| Equity capital to assets | 3.0139% | 4,598 |
| Core capital (leverage) ratio | 8.5412% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0880% | 432 |
| Memoranda: | ||
| Average total assets | $558,920,000 | 1,600 |
| Average earning assets | $537,256,000 | 1,544 |
| Average equity | $13,065,500 | 3,468 |
| Average total loans | $139,798,500 | 2,801 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9486% | 4,192 |
| Cost of funding earning assets | 0.1147% | 4,316 |
| Net interest margin | 2.8339% | 3,824 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.1429% | 3,185 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 1.1789% | 1,865 |
| Return on assets (ROA) | 1.2460% | 1,565 |
| Pretax return on assets | 1.2460% | 2,289 |
| Return on Equity (ROE) | 33.0000% | 87 |
| Retained earnings to average equity (ytd only) | 24.2062% | 50 |
| Net charge-offs to loans | 0.0101% | 1,991 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | 399.6000% | 385 |
| Efficiency ratio | 67.1616% | 2,067 |
| Assets per employee ($millions) | 6.9616% | 2,002 |
| Cash dividends to net income (ytd only)* | 26.6554% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,562 |
| Loan loss allowance to noncurrent loans | 124.4572% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 1,784 |
| Noncurrent loans to loans | 1.1107% | 649 |
| Net loans and leases to total assets | 24.3600% | 4,498 |
| Net loans and leases to deposits | 25.3159% | 4,531 |
| Net loans and leases to core deposits | 25.5076% | 4,532 |
| Total domestic deposits to total assets | 96.2200% | 74 |
| Equity capital to assets | 1.6896% | 4,658 |
| Core capital (leverage) ratio | 8.6994% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0798% | 475 |
| Memoranda: | ||
| Average total assets | $572,068,400 | 1,556 |
| Average earning assets | $549,378,600 | 1,505 |
| Average equity | $21,597,800 | 2,804 |
| Average total loans | $148,887,000 | 2,643 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7386% | 4,258 |
| Cost of funding earning assets | 0.1116% | 4,185 |
| Net interest margin | 2.6269% | 4,059 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.1522% | 3,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8032% | 3,252 |
| Return on assets (ROA) | 0.8926% | 2,875 |
| Pretax return on assets | 0.8926% | 3,339 |
| Return on Equity (ROE) | 20.7800% | 377 |
| Retained earnings to average equity (ytd only) | 13.7310% | 504 |
| Net charge-offs to loans | 0.0053% | 1,976 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 574.6667% | 277 |
| Efficiency ratio | 72.8226% | 1,406 |
| Assets per employee ($millions) | 6.6805% | 2,175 |
| Cash dividends to net income (ytd only)* | 33.9248% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8563% | 655 |
| Loan loss allowance to noncurrent loans | 166.5437% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 1,818 |
| Noncurrent loans to loans | 1.1146% | 666 |
| Net loans and leases to total assets | 24.9200% | 4,526 |
| Net loans and leases to deposits | 25.4135% | 4,572 |
| Net loans and leases to core deposits | 25.7106% | 4,562 |
| Total domestic deposits to total assets | 98.0600% | 51 |
| Equity capital to assets | 1.7825% | 4,666 |
| Core capital (leverage) ratio | 8.3342% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8849% | 574 |
| Memoranda: | ||
| Average total assets | $572,373,500 | 1,566 |
| Average earning assets | $549,422,500 | 1,511 |
| Average equity | $24,586,000 | 2,644 |
| Average total loans | $150,860,000 | 2,634 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5796% | 4,293 |
| Cost of funding earning assets | 0.1117% | 4,060 |
| Net interest margin | 2.4679% | 4,134 |
| Noninterest income to average assets | 0.4370% | 2,526 |
| Noninterest expense to average assets | 2.1674% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6357% | 3,526 |
| Return on assets (ROA) | 0.7700% | 3,028 |
| Pretax return on assets | 0.7700% | 3,404 |
| Return on Equity (ROE) | 14.9893% | 897 |
| Retained earnings to average equity (ytd only) | 9.5411% | 1,133 |
| Net charge-offs to loans | 0.0079% | 1,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 302.8333% | 401 |
| Efficiency ratio | 77.3215% | 1,145 |
| Assets per employee ($millions) | 6.4304% | 2,365 |
| Cash dividends to net income (ytd only)* | 36.3471% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 837 |
| Loan loss allowance to noncurrent loans | 151.7087% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 1,712 |
| Noncurrent loans to loans | 1.1739% | 682 |
| Net loans and leases to total assets | 27.0055% | 4,537 |
| Net loans and leases to deposits | 27.7003% | 4,589 |
| Net loans and leases to core deposits | 28.0515% | 4,597 |
| Total domestic deposits to total assets | 97.4918% | 35 |
| Equity capital to assets | 2.3558% | 4,712 |
| Core capital (leverage) ratio | 8.1322% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0198% | 625 |
| Memoranda: | ||
| Average total assets | $571,656,667 | 1,568 |
| Average earning assets | $548,071,000 | 1,527 |
| Average equity | $29,367,667 | 2,445 |
| Average total loans | $152,519,000 | 2,618 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4094% | 4,368 |
| Cost of funding earning assets | 0.1117% | 3,986 |
| Net interest margin | 2.2977% | 4,242 |
| Noninterest income to average assets | 0.4413% | 2,438 |
| Noninterest expense to average assets | 2.1763% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4737% | 3,776 |
| Return on assets (ROA) | 0.7381% | 2,889 |
| Pretax return on assets | 0.7381% | 3,284 |
| Return on Equity (ROE) | 11.4232% | 1,486 |
| Retained earnings to average equity (ytd only) | 7.1608% | 1,842 |
| Net charge-offs to loans | 0.0026% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 688.0000% | 141 |
| Efficiency ratio | 82.1252% | 975 |
| Assets per employee ($millions) | 6.5106% | 2,374 |
| Cash dividends to net income (ytd only)* | 37.3134% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 838 |
| Loan loss allowance to noncurrent loans | 150.7222% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 1,864 |
| Noncurrent loans to loans | 1.2125% | 727 |
| Net loans and leases to total assets | 25.4370% | 4,582 |
| Net loans and leases to deposits | 26.9126% | 4,623 |
| Net loans and leases to core deposits | 27.3413% | 4,630 |
| Total domestic deposits to total assets | 94.5168% | 77 |
| Equity capital to assets | 5.3357% | 4,683 |
| Core capital (leverage) ratio | 7.8018% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3857% | 610 |
| Memoranda: | ||
| Average total assets | $580,976,500 | 1,554 |
| Average earning assets | $558,476,500 | 1,507 |
| Average equity | $37,537,500 | 2,151 |
| Average total loans | $152,752,000 | 2,611 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5493% | 4,446 |
| Cost of funding earning assets | 0.1269% | 4,174 |
| Net interest margin | 2.4224% | 4,298 |
| Noninterest income to average assets | 0.4632% | 2,755 |
| Noninterest expense to average assets | 2.3336% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4557% | 4,175 |
| Return on assets (ROA) | 0.5624% | 4,003 |
| Pretax return on assets | 0.5624% | 4,162 |
| Return on Equity (ROE) | 6.4928% | 3,644 |
| Retained earnings to average equity (ytd only) | 3.5358% | 3,407 |
| Net charge-offs to loans | 0.0062% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 249.1000% | 464 |
| Efficiency ratio | 83.6624% | 592 |
| Assets per employee ($millions) | 6.1356% | 2,625 |
| Cash dividends to net income (ytd only)* | 45.5433% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7281% | 986 |
| Loan loss allowance to noncurrent loans | 146.3862% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 1,978 |
| Noncurrent loans to loans | 1.1805% | 815 |
| Net loans and leases to total assets | 26.2029% | 4,621 |
| Net loans and leases to deposits | 28.6322% | 4,649 |
| Net loans and leases to core deposits | 29.1141% | 4,660 |
| Total domestic deposits to total assets | 91.5156% | 311 |
| Equity capital to assets | 7.5558% | 4,575 |
| Core capital (leverage) ratio | 7.7437% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5830% | 691 |
| Memoranda: | ||
| Average total assets | $546,614,600 | 1,586 |
| Average earning assets | $524,897,200 | 1,534 |
| Average equity | $47,344,600 | 1,849 |
| Average total loans | $162,561,000 | 2,522 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6015% | 4,501 |
| Cost of funding earning assets | 0.1303% | 4,261 |
| Net interest margin | 2.4712% | 4,324 |
| Noninterest income to average assets | 0.4749% | 2,734 |
| Noninterest expense to average assets | 2.3755% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4719% | 4,251 |
| Return on assets (ROA) | 0.5273% | 4,195 |
| Pretax return on assets | 0.5273% | 4,335 |
| Return on Equity (ROE) | 5.8821% | 3,941 |
| Retained earnings to average equity (ytd only) | 3.3850% | 3,775 |
| Net charge-offs to loans | 0.0041% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 379.4000% | 373 |
| Efficiency ratio | 83.4280% | 553 |
| Assets per employee ($millions) | 5.7497% | 2,937 |
| Cash dividends to net income (ytd only)* | 42.4528% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 1,141 |
| Loan loss allowance to noncurrent loans | 138.0203% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 2,035 |
| Noncurrent loans to loans | 1.2187% | 910 |
| Net loans and leases to total assets | 28.2064% | 4,641 |
| Net loans and leases to deposits | 30.9250% | 4,684 |
| Net loans and leases to core deposits | 31.5173% | 4,696 |
| Total domestic deposits to total assets | 91.2092% | 308 |
| Equity capital to assets | 8.6278% | 4,117 |
| Core capital (leverage) ratio | 7.9583% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6901% | 724 |
| Memoranda: | ||
| Average total assets | $536,013,500 | 1,623 |
| Average earning assets | $514,612,500 | 1,572 |
| Average equity | $48,054,500 | 1,839 |
| Average total loans | $163,937,750 | 2,555 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6069% | 4,543 |
| Cost of funding earning assets | 0.1334% | 4,324 |
| Net interest margin | 2.4734% | 4,341 |
| Noninterest income to average assets | 0.4582% | 2,807 |
| Noninterest expense to average assets | 2.4333% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3963% | 4,390 |
| Return on assets (ROA) | 0.4810% | 4,298 |
| Pretax return on assets | 0.4810% | 4,416 |
| Return on Equity (ROE) | 5.2938% | 4,076 |
| Retained earnings to average equity (ytd only) | 2.7868% | 3,914 |
| Net charge-offs to loans | 0.0073% | 1,870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 539 |
| Efficiency ratio | 85.9941% | 477 |
| Assets per employee ($millions) | 5.2705% | 3,384 |
| Cash dividends to net income (ytd only)* | 47.3560% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 1,184 |
| Loan loss allowance to noncurrent loans | 129.6137% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 2,061 |
| Noncurrent loans to loans | 1.2680% | 932 |
| Net loans and leases to total assets | 29.9639% | 4,650 |
| Net loans and leases to deposits | 32.8717% | 4,709 |
| Net loans and leases to core deposits | 33.5135% | 4,722 |
| Total domestic deposits to total assets | 91.1542% | 325 |
| Equity capital to assets | 8.7661% | 4,001 |
| Core capital (leverage) ratio | 8.1549% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0352% | 701 |
| Memoranda: | ||
| Average total assets | $526,862,333 | 1,637 |
| Average earning assets | $505,130,000 | 1,592 |
| Average equity | $47,867,667 | 1,836 |
| Average total loans | $164,699,333 | 2,557 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7405% | 4,441 |
| Cost of funding earning assets | 0.1361% | 4,405 |
| Net interest margin | 2.6043% | 4,140 |
| Noninterest income to average assets | 0.4255% | 2,954 |
| Noninterest expense to average assets | 2.5032% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4148% | 4,335 |
| Return on assets (ROA) | 0.4148% | 4,365 |
| Pretax return on assets | 0.4148% | 4,468 |
| Return on Equity (ROE) | 4.4826% | 4,193 |
| Retained earnings to average equity (ytd only) | 1.9830% | 4,009 |
| Net charge-offs to loans | 0.0219% | 1,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 59.7778% | 822 |
| Efficiency ratio | 85.7860% | 516 |
| Assets per employee ($millions) | 5.1111% | 3,520 |
| Cash dividends to net income (ytd only)* | 55.7621% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 1,038 |
| Loan loss allowance to noncurrent loans | 119.3931% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 2,101 |
| Noncurrent loans to loans | 1.4282% | 886 |
| Net loans and leases to total assets | 29.7287% | 4,702 |
| Net loans and leases to deposits | 32.6063% | 4,755 |
| Net loans and leases to core deposits | 33.2614% | 4,771 |
| Total domestic deposits to total assets | 91.1748% | 338 |
| Equity capital to assets | 8.7498% | 3,913 |
| Core capital (leverage) ratio | 8.3356% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5699% | 547 |
| Memoranda: | ||
| Average total assets | $518,860,500 | 1,644 |
| Average earning assets | $496,554,500 | 1,600 |
| Average equity | $48,007,500 | 1,821 |
| Average total loans | $164,358,000 | 2,558 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2492% | 4,397 |
| Cost of funding earning assets | 0.1912% | 4,608 |
| Net interest margin | 3.0580% | 3,735 |
| Noninterest income to average assets | 0.4622% | 2,808 |
| Noninterest expense to average assets | 2.8151% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5568% | 3,884 |
| Return on assets (ROA) | 0.7113% | 3,531 |
| Pretax return on assets | 0.7113% | 3,858 |
| Return on Equity (ROE) | 6.8818% | 3,252 |
| Retained earnings to average equity (ytd only) | 1.7983% | 3,907 |
| Net charge-offs to loans | 0.0057% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 254.3000% | 398 |
| Efficiency ratio | 83.4881% | 669 |
| Assets per employee ($millions) | 4.6479% | 3,764 |
| Cash dividends to net income (ytd only)* | 73.8689% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 1,279 |
| Loan loss allowance to noncurrent loans | 740.2174% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 3,862 |
| Noncurrent loans to loans | 0.2171% | 3,423 |
| Net loans and leases to total assets | 32.6187% | 4,693 |
| Net loans and leases to deposits | 36.1790% | 4,744 |
| Net loans and leases to core deposits | 36.9250% | 4,764 |
| Total domestic deposits to total assets | 90.1593% | 502 |
| Equity capital to assets | 9.7701% | 3,346 |
| Core capital (leverage) ratio | 8.5663% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6912% | 528 |
| Memoranda: | ||
| Average total assets | $456,751,600 | 1,678 |
| Average earning assets | $434,602,600 | 1,640 |
| Average equity | $47,211,800 | 1,783 |
| Average total loans | $174,194,600 | 2,452 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 4,254 |
| Cost of funding earning assets | 0.2043% | 4,658 |
| Net interest margin | 3.2674% | 3,291 |
| Noninterest income to average assets | 0.4640% | 2,769 |
| Noninterest expense to average assets | 2.8994% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6725% | 3,559 |
| Return on assets (ROA) | 0.8277% | 3,115 |
| Pretax return on assets | 0.8277% | 3,574 |
| Return on Equity (ROE) | 7.8834% | 2,851 |
| Retained earnings to average equity (ytd only) | 2.7252% | 3,634 |
| Net charge-offs to loans | 0.0068% | 2,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 248.3333% | 411 |
| Efficiency ratio | 81.1726% | 780 |
| Assets per employee ($millions) | 4.3700% | 3,984 |
| Cash dividends to net income (ytd only)* | 65.4308% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,260 |
| Loan loss allowance to noncurrent loans | 711.4883% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 3,925 |
| Noncurrent loans to loans | 0.2169% | 3,518 |
| Net loans and leases to total assets | 36.5016% | 4,662 |
| Net loans and leases to deposits | 40.8395% | 4,730 |
| Net loans and leases to core deposits | 41.6350% | 4,759 |
| Total domestic deposits to total assets | 89.3780% | 626 |
| Equity capital to assets | 10.5384% | 2,761 |
| Core capital (leverage) ratio | 9.1340% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7600% | 469 |
| Memoranda: | ||
| Average total assets | $443,121,000 | 1,699 |
| Average earning assets | $421,489,500 | 1,667 |
| Average equity | $46,526,750 | 1,793 |
| Average total loans | $175,369,500 | 2,441 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 4,239 |
| Cost of funding earning assets | 0.2194% | 4,709 |
| Net interest margin | 3.3936% | 3,124 |
| Noninterest income to average assets | 0.4791% | 2,656 |
| Noninterest expense to average assets | 3.0140% | 1,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6865% | 3,441 |
| Return on assets (ROA) | 0.9254% | 2,730 |
| Pretax return on assets | 0.9254% | 3,243 |
| Return on Equity (ROE) | 8.8250% | 2,438 |
| Retained earnings to average equity (ytd only) | 3.5274% | 3,163 |
| Net charge-offs to loans | 0.0126% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 134.8182% | 570 |
| Efficiency ratio | 81.4486% | 794 |
| Assets per employee ($millions) | 4.0410% | 4,265 |
| Cash dividends to net income (ytd only)* | 60.0300% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,346 |
| Loan loss allowance to noncurrent loans | 1,027.5472% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,125 |
| Noncurrent loans to loans | 0.1435% | 3,886 |
| Net loans and leases to total assets | 39.8567% | 4,615 |
| Net loans and leases to deposits | 44.6529% | 4,688 |
| Net loans and leases to core deposits | 45.6251% | 4,718 |
| Total domestic deposits to total assets | 89.2588% | 659 |
| Equity capital to assets | 10.6660% | 2,604 |
| Core capital (leverage) ratio | 9.6260% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3130% | 481 |
| Memoranda: | ||
| Average total assets | $432,050,333 | 1,707 |
| Average earning assets | $410,124,667 | 1,674 |
| Average equity | $45,303,000 | 1,817 |
| Average total loans | $174,961,333 | 2,433 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 4,130 |
| Cost of funding earning assets | 0.2418% | 4,789 |
| Net interest margin | 3.6090% | 2,630 |
| Noninterest income to average assets | 0.5260% | 2,409 |
| Noninterest expense to average assets | 3.1733% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7662% | 3,035 |
| Return on assets (ROA) | 0.7662% | 3,113 |
| Pretax return on assets | 0.7662% | 3,504 |
| Return on Equity (ROE) | 7.3758% | 2,786 |
| Retained earnings to average equity (ytd only) | 1.8715% | 3,486 |
| Net charge-offs to loans | 0.0141% | 2,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 470 |
| Efficiency ratio | 80.5515% | 1,085 |
| Assets per employee ($millions) | 3.4768% | 4,503 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 1,033 |
| Loan loss allowance to noncurrent loans | 1,002.9412% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 4,161 |
| Noncurrent loans to loans | 0.1610% | 3,883 |
| Net loans and leases to total assets | 40.5037% | 4,650 |
| Net loans and leases to deposits | 45.4792% | 4,732 |
| Net loans and leases to core deposits | 46.5102% | 4,761 |
| Total domestic deposits to total assets | 89.0599% | 633 |
| Equity capital to assets | 10.8609% | 2,973 |
| Core capital (leverage) ratio | 9.9714% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1886% | 624 |
| Memoranda: | ||
| Average total assets | $419,757,500 | 1,711 |
| Average earning assets | $397,004,500 | 1,676 |
| Average equity | $43,602,000 | 1,860 |
| Average total loans | $170,080,500 | 2,450 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1094% | 4,018 |
| Cost of funding earning assets | 0.2581% | 4,831 |
| Net interest margin | 3.8513% | 2,331 |
| Noninterest income to average assets | 0.5076% | 2,688 |
| Noninterest expense to average assets | 3.0826% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0664% | 2,594 |
| Return on assets (ROA) | 1.4831% | 1,153 |
| Pretax return on assets | 1.4831% | 1,854 |
| Return on Equity (ROE) | 15.2503% | 642 |
| Retained earnings to average equity (ytd only) | 6.8790% | 1,439 |
| Net charge-offs to loans | 0.0343% | 2,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 74.0820% | 844 |
| Efficiency ratio | 74.2976% | 1,574 |
| Assets per employee ($millions) | 3.5476% | 4,437 |
| Cash dividends to net income (ytd only)* | 54.8926% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 986 |
| Loan loss allowance to noncurrent loans | 389.4587% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 3,824 |
| Noncurrent loans to loans | 0.4099% | 2,970 |
| Net loans and leases to total assets | 39.2607% | 4,764 |
| Net loans and leases to deposits | 43.6229% | 4,834 |
| Net loans and leases to core deposits | 44.8709% | 4,853 |
| Total domestic deposits to total assets | 90.0001% | 317 |
| Equity capital to assets | 9.9349% | 3,980 |
| Core capital (leverage) ratio | 9.8570% | 3,664 |
| Tier 1 risk-based capital ratio | 21.1984% | 1,130 |
| Total risk-based capital ratio | 22.4503% | 1,109 |
| Memoranda: | ||
| Average total assets | $423,762,200 | 1,655 |
| Average earning assets | $400,670,800 | 1,623 |
| Average equity | $41,212,400 | 1,879 |
| Average total loans | $178,085,200 | 2,340 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 4,045 |
| Cost of funding earning assets | 0.2556% | 4,911 |
| Net interest margin | 3.8926% | 2,282 |
| Noninterest income to average assets | 0.5136% | 2,648 |
| Noninterest expense to average assets | 3.1149% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0764% | 2,662 |
| Return on assets (ROA) | 1.5600% | 1,085 |
| Pretax return on assets | 1.5600% | 1,781 |
| Return on Equity (ROE) | 16.1286% | 588 |
| Retained earnings to average equity (ytd only) | 10.4173% | 648 |
| Net charge-offs to loans | 0.0319% | 2,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 79.3049% | 866 |
| Efficiency ratio | 74.3184% | 1,514 |
| Assets per employee ($millions) | 3.4262% | 4,576 |
| Cash dividends to net income (ytd only)* | 35.4108% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 1,128 |
| Loan loss allowance to noncurrent loans | 381.6921% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 3,892 |
| Noncurrent loans to loans | 0.4050% | 3,094 |
| Net loans and leases to total assets | 41.5855% | 4,763 |
| Net loans and leases to deposits | 46.4483% | 4,863 |
| Net loans and leases to core deposits | 47.7413% | 4,879 |
| Total domestic deposits to total assets | 89.5308% | 437 |
| Equity capital to assets | 10.3640% | 3,664 |
| Core capital (leverage) ratio | 10.0173% | 3,624 |
| Tier 1 risk-based capital ratio | 20.7548% | 1,223 |
| Total risk-based capital ratio | 22.0060% | 1,197 |
| Memoranda: | ||
| Average total assets | $422,389,250 | 1,670 |
| Average earning assets | $399,072,750 | 1,633 |
| Average equity | $40,854,000 | 1,901 |
| Average total loans | $179,791,000 | 2,337 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 4,077 |
| Cost of funding earning assets | 0.2460% | 4,968 |
| Net interest margin | 3.8903% | 2,268 |
| Noninterest income to average assets | 0.5129% | 2,603 |
| Noninterest expense to average assets | 3.1549% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0324% | 2,792 |
| Return on assets (ROA) | 1.4525% | 1,339 |
| Pretax return on assets | 1.4525% | 2,020 |
| Return on Equity (ROE) | 15.3835% | 686 |
| Retained earnings to average equity (ytd only) | 9.6209% | 872 |
| Net charge-offs to loans | 0.0499% | 1,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 48.4889% | 1,115 |
| Efficiency ratio | 75.3446% | 1,479 |
| Assets per employee ($millions) | 3.4125% | 4,591 |
| Cash dividends to net income (ytd only)* | 37.4593% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 1,099 |
| Loan loss allowance to noncurrent loans | 315.0057% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 3,745 |
| Noncurrent loans to loans | 0.4981% | 2,787 |
| Net loans and leases to total assets | 41.0963% | 4,816 |
| Net loans and leases to deposits | 45.7962% | 4,913 |
| Net loans and leases to core deposits | 47.0787% | 4,928 |
| Total domestic deposits to total assets | 89.7375% | 406 |
| Equity capital to assets | 10.1741% | 3,815 |
| Core capital (leverage) ratio | 9.8138% | 3,811 |
| Tier 1 risk-based capital ratio | 20.1435% | 1,325 |
| Total risk-based capital ratio | 21.3949% | 1,291 |
| Memoranda: | ||
| Average total assets | $422,709,670 | 1,671 |
| Average earning assets | $399,248,670 | 1,636 |
| Average equity | $39,913,000 | 1,940 |
| Average total loans | $180,386,330 | 2,340 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 3,964 |
| Cost of funding earning assets | 0.2299% | 5,042 |
| Net interest margin | 3.9355% | 2,075 |
| Noninterest income to average assets | 0.4790% | 2,683 |
| Noninterest expense to average assets | 3.1240% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0684% | 2,585 |
| Return on assets (ROA) | 1.0693% | 2,633 |
| Pretax return on assets | 1.0693% | 3,245 |
| Return on Equity (ROE) | 11.7766% | 1,624 |
| Retained earnings to average equity (ytd only) | 6.0649% | 2,433 |
| Net charge-offs to loans | -0.0044% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5164% | 1,678 |
| Assets per employee ($millions) | 3.4341% | 4,623 |
| Cash dividends to net income (ytd only)* | 48.5009% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,131 |
| Loan loss allowance to noncurrent loans | 527.7358% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 3,973 |
| Noncurrent loans to loans | 0.2975% | 3,496 |
| Net loans and leases to total assets | 41.1805% | 4,856 |
| Net loans and leases to deposits | 45.4283% | 4,944 |
| Net loans and leases to core deposits | 46.6032% | 4,968 |
| Total domestic deposits to total assets | 90.6496% | 243 |
| Equity capital to assets | 9.2692% | 4,463 |
| Core capital (leverage) ratio | 9.3154% | 4,348 |
| Tier 1 risk-based capital ratio | 18.7527% | 1,598 |
| Total risk-based capital ratio | 20.0038% | 1,562 |
| Memoranda: | ||
| Average total assets | $424,193,000 | 1,664 |
| Average earning assets | $400,253,500 | 1,635 |
| Average equity | $38,517,000 | 1,990 |
| Average total loans | $182,955,000 | 2,335 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 3,507 |
| Cost of funding earning assets | 0.1483% | 5,174 |
| Net interest margin | 4.0272% | 1,900 |
| Noninterest income to average assets | 0.5567% | 2,510 |
| Noninterest expense to average assets | 3.1901% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1681% | 2,325 |
| Return on assets (ROA) | 1.1681% | 2,315 |
| Pretax return on assets | 1.1681% | 3,026 |
| Return on Equity (ROE) | 13.1310% | 1,294 |
| Retained earnings to average equity (ytd only) | 7.2330% | 1,565 |
| Net charge-offs to loans | 0.0122% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 197.1250% | 463 |
| Efficiency ratio | 73.1985% | 1,732 |
| Assets per employee ($millions) | 3.3804% | 4,678 |
| Cash dividends to net income (ytd only)* | 44.9165% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 1,335 |
| Loan loss allowance to noncurrent loans | 513.7868% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 3,935 |
| Noncurrent loans to loans | 0.2897% | 3,528 |
| Net loans and leases to total assets | 43.7715% | 4,826 |
| Net loans and leases to deposits | 48.0846% | 4,930 |
| Net loans and leases to core deposits | 49.1463% | 4,965 |
| Total domestic deposits to total assets | 91.0301% | 200 |
| Equity capital to assets | 8.8895% | 4,665 |
| Core capital (leverage) ratio | 9.3862% | 4,253 |
| Tier 1 risk-based capital ratio | 17.8600% | 1,794 |
| Total risk-based capital ratio | 19.1104% | 1,753 |
| Memoranda: | ||
| Average total assets | $405,033,000 | 1,694 |
| Average earning assets | $382,323,400 | 1,663 |
| Average equity | $36,029,200 | 2,032 |
| Average total loans | $197,493,000 | 2,189 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 3,376 |
| Cost of funding earning assets | 0.1407% | 5,247 |
| Net interest margin | 4.0411% | 1,821 |
| Noninterest income to average assets | 0.5697% | 2,476 |
| Noninterest expense to average assets | 3.2000% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1844% | 2,294 |
| Return on assets (ROA) | 1.1844% | 2,295 |
| Pretax return on assets | 1.1844% | 3,047 |
| Return on Equity (ROE) | 13.3121% | 1,327 |
| Retained earnings to average equity (ytd only) | 7.4210% | 1,917 |
| Net charge-offs to loans | 0.0067% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 355.9797% | 264 |
| Efficiency ratio | 72.9867% | 1,736 |
| Assets per employee ($millions) | 3.2139% | 4,873 |
| Cash dividends to net income (ytd only)* | 44.2541% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 1,569 |
| Loan loss allowance to noncurrent loans | 406.5123% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 4,025 |
| Noncurrent loans to loans | 0.3534% | 3,388 |
| Net loans and leases to total assets | 47.5916% | 4,731 |
| Net loans and leases to deposits | 52.2289% | 4,883 |
| Net loans and leases to core deposits | 53.2659% | 4,928 |
| Total domestic deposits to total assets | 91.1212% | 191 |
| Equity capital to assets | 8.7714% | 4,736 |
| Core capital (leverage) ratio | 9.5533% | 4,110 |
| Tier 1 risk-based capital ratio | 17.3888% | 1,969 |
| Total risk-based capital ratio | 18.6390% | 1,920 |
| Memoranda: | ||
| Average total assets | $400,652,250 | 1,717 |
| Average earning assets | $378,200,000 | 1,689 |
| Average equity | $35,645,750 | 2,058 |
| Average total loans | $199,927,750 | 2,183 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 3,088 |
| Cost of funding earning assets | 0.1348% | 5,301 |
| Net interest margin | 4.0747% | 1,629 |
| Noninterest income to average assets | 0.5526% | 2,565 |
| Noninterest expense to average assets | 3.1907% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2094% | 2,158 |
| Return on assets (ROA) | 1.2094% | 2,155 |
| Pretax return on assets | 1.2094% | 2,912 |
| Return on Equity (ROE) | 13.5285% | 1,197 |
| Retained earnings to average equity (ytd only) | 7.6441% | 1,778 |
| Net charge-offs to loans | 0.0070% | 2,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 344.8571% | 264 |
| Efficiency ratio | 72.5151% | 1,915 |
| Assets per employee ($millions) | 3.1645% | 4,963 |
| Cash dividends to net income (ytd only)* | 43.4963% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,763 |
| Loan loss allowance to noncurrent loans | 388.3978% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 3,485 |
| Noncurrent loans to loans | 0.3594% | 3,406 |
| Net loans and leases to total assets | 50.2161% | 4,597 |
| Net loans and leases to deposits | 55.2356% | 4,791 |
| Net loans and leases to core deposits | 56.3083% | 4,852 |
| Total domestic deposits to total assets | 90.9127% | 271 |
| Equity capital to assets | 9.0004% | 4,559 |
| Core capital (leverage) ratio | 9.4895% | 4,128 |
| Tier 1 risk-based capital ratio | 16.6522% | 2,208 |
| Total risk-based capital ratio | 17.9019% | 2,159 |
| Memoranda: | ||
| Average total assets | $399,218,330 | 1,729 |
| Average earning assets | $376,956,330 | 1,700 |
| Average equity | $35,687,670 | 2,055 |
| Average total loans | $201,392,670 | 2,173 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 2,378 |
| Cost of funding earning assets | 0.1256% | 5,373 |
| Net interest margin | 4.2171% | 1,146 |
| Noninterest income to average assets | 0.5007% | 2,794 |
| Noninterest expense to average assets | 3.1936% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2916% | 1,672 |
| Return on assets (ROA) | 1.2916% | 1,676 |
| Pretax return on assets | 1.2916% | 2,400 |
| Return on Equity (ROE) | 14.4974% | 901 |
| Retained earnings to average equity (ytd only) | 8.6201% | 1,611 |
| Net charge-offs to loans | 0.0159% | 2,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 161.8750% | 403 |
| Efficiency ratio | 71.2030% | 2,310 |
| Assets per employee ($millions) | 3.2670% | 4,939 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 1,727 |
| Loan loss allowance to noncurrent loans | 653.7209% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 3,890 |
| Noncurrent loans to loans | 0.2189% | 3,991 |
| Net loans and leases to total assets | 47.7969% | 4,706 |
| Net loans and leases to deposits | 52.3786% | 4,868 |
| Net loans and leases to core deposits | 53.3706% | 4,934 |
| Total domestic deposits to total assets | 91.2526% | 237 |
| Equity capital to assets | 8.6828% | 4,831 |
| Core capital (leverage) ratio | 9.3357% | 4,275 |
| Tier 1 risk-based capital ratio | 16.8941% | 2,143 |
| Total risk-based capital ratio | 18.1442% | 2,097 |
| Memoranda: | ||
| Average total assets | $401,046,500 | 1,732 |
| Average earning assets | $378,929,500 | 1,703 |
| Average equity | $35,730,500 | 2,061 |
| Average total loans | $201,365,000 | 2,185 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,278 |
| Cost of funding earning assets | 0.1310% | 5,362 |
| Net interest margin | 3.9087% | 2,063 |
| Noninterest income to average assets | 0.5796% | 2,554 |
| Noninterest expense to average assets | 3.2737% | 1,426 |
| Loan and lease loss provision to assets | 0.0276% | 3,727 |
| Net operating income to assets | 0.9483% | 2,461 |
| Return on assets (ROA) | 0.9983% | 2,285 |
| Pretax return on assets | 0.9983% | 3,577 |
| Return on Equity (ROE) | 10.8141% | 1,549 |
| Retained earnings to average equity (ytd only) | 4.9460% | 2,160 |
| Net charge-offs to loans | 0.0042% | 3,949 |
| Credit loss provision to net charge-offs | 1,188.8889% | 313 |
| Earnings coverage of net charge-offs (x) | 420.3333% | 203 |
| Efficiency ratio | 77.0365% | 1,478 |
| Assets per employee ($millions) | 3.1759% | 5,055 |
| Cash dividends to net income (ytd only)* | 54.2636% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 1,896 |
| Loan loss allowance to noncurrent loans | 213.6364% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,893 |
| Noncurrent loans to loans | 0.6399% | 2,621 |
| Net loans and leases to total assets | 51.2538% | 4,574 |
| Net loans and leases to deposits | 56.5041% | 4,773 |
| Net loans and leases to core deposits | 57.5361% | 4,870 |
| Total domestic deposits to total assets | 90.7081% | 333 |
| Equity capital to assets | 9.1405% | 4,585 |
| Core capital (leverage) ratio | 9.1167% | 4,501 |
| Tier 1 risk-based capital ratio | 15.9403% | 2,454 |
| Total risk-based capital ratio | 17.1897% | 2,398 |
| Memoranda: | ||
| Average total assets | $387,660,800 | 1,764 |
| Average earning assets | $363,987,200 | 1,739 |
| Average equity | $35,786,600 | 2,037 |
| Average total loans | $214,812,800 | 2,042 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,187 |
| Cost of funding earning assets | 0.1296% | 5,429 |
| Net interest margin | 3.9177% | 1,979 |
| Noninterest income to average assets | 0.5875% | 2,552 |
| Noninterest expense to average assets | 3.3065% | 1,330 |
| Loan and lease loss provision to assets | 0.0370% | 3,371 |
| Net operating income to assets | 0.9156% | 2,942 |
| Return on assets (ROA) | 0.9827% | 2,688 |
| Pretax return on assets | 0.9827% | 3,753 |
| Return on Equity (ROE) | 10.6181% | 1,856 |
| Retained earnings to average equity (ytd only) | 4.7295% | 3,066 |
| Net charge-offs to loans | 0.0104% | 3,350 |
| Credit loss provision to net charge-offs | 629.4118% | 521 |
| Earnings coverage of net charge-offs (x) | 161.9131% | 509 |
| Efficiency ratio | 77.6343% | 1,377 |
| Assets per employee ($millions) | 3.0500% | 5,219 |
| Cash dividends to net income (ytd only)* | 55.4578% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,247 |
| Loan loss allowance to noncurrent loans | 149.9733% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 2,573 |
| Noncurrent loans to loans | 0.8827% | 2,166 |
| Net loans and leases to total assets | 53.2749% | 4,474 |
| Net loans and leases to deposits | 58.8643% | 4,690 |
| Net loans and leases to core deposits | 59.7188% | 4,829 |
| Total domestic deposits to total assets | 90.5045% | 326 |
| Equity capital to assets | 9.4045% | 4,538 |
| Core capital (leverage) ratio | 9.3304% | 4,370 |
| Tier 1 risk-based capital ratio | 15.4685% | 2,717 |
| Total risk-based capital ratio | 16.6945% | 2,674 |
| Memoranda: | ||
| Average total assets | $385,328,250 | 1,783 |
| Average earning assets | $361,117,750 | 1,756 |
| Average equity | $35,661,500 | 2,048 |
| Average total loans | $216,942,750 | 2,030 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 2,964 |
| Cost of funding earning assets | 0.1296% | 5,446 |
| Net interest margin | 3.9345% | 1,829 |
| Noninterest income to average assets | 0.6267% | 2,335 |
| Noninterest expense to average assets | 3.3359% | 1,302 |
| Loan and lease loss provision to assets | 0.0481% | 3,031 |
| Net operating income to assets | 0.9231% | 2,791 |
| Return on assets (ROA) | 0.9895% | 2,527 |
| Pretax return on assets | 0.9895% | 3,608 |
| Return on Equity (ROE) | 10.7512% | 1,734 |
| Retained earnings to average equity (ytd only) | 4.7878% | 2,856 |
| Net charge-offs to loans | -0.0046% | 4,321 |
| Credit loss provision to net charge-offs | -1,840.0000% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4515% | 1,535 |
| Assets per employee ($millions) | 2.9350% | 5,326 |
| Cash dividends to net income (ytd only)* | 55.4675% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,358 |
| Loan loss allowance to noncurrent loans | 140.9500% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 2,541 |
| Noncurrent loans to loans | 0.9298% | 2,108 |
| Net loans and leases to total assets | 55.2116% | 4,293 |
| Net loans and leases to deposits | 61.0741% | 4,560 |
| Net loans and leases to core deposits | 62.0557% | 4,714 |
| Total domestic deposits to total assets | 90.4010% | 392 |
| Equity capital to assets | 9.5264% | 4,385 |
| Core capital (leverage) ratio | 9.3503% | 4,292 |
| Tier 1 risk-based capital ratio | 15.0072% | 2,923 |
| Total risk-based capital ratio | 16.2136% | 2,877 |
| Memoranda: | ||
| Average total assets | $382,621,000 | 1,795 |
| Average earning assets | $357,915,000 | 1,776 |
| Average equity | $35,214,670 | 2,064 |
| Average total loans | $218,449,670 | 2,020 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,015 |
| Cost of funding earning assets | 0.1286% | 5,500 |
| Net interest margin | 3.8783% | 1,858 |
| Noninterest income to average assets | 0.4905% | 3,045 |
| Noninterest expense to average assets | 3.3389% | 1,312 |
| Loan and lease loss provision to assets | 0.0482% | 2,851 |
| Net operating income to assets | 0.7378% | 3,529 |
| Return on assets (ROA) | 0.8625% | 2,979 |
| Pretax return on assets | 0.8625% | 3,890 |
| Return on Equity (ROE) | 9.5398% | 2,165 |
| Retained earnings to average equity (ytd only) | 3.4543% | 3,710 |
| Net charge-offs to loans | 0.0073% | 2,716 |
| Credit loss provision to net charge-offs | 1,150.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 187.5000% | 305 |
| Efficiency ratio | 80.9451% | 1,263 |
| Assets per employee ($millions) | 2.8760% | 5,446 |
| Cash dividends to net income (ytd only)* | 63.7910% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,682 |
| Loan loss allowance to noncurrent loans | 133.0766% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 2,579 |
| Noncurrent loans to loans | 0.9549% | 2,134 |
| Net loans and leases to total assets | 56.1405% | 4,155 |
| Net loans and leases to deposits | 61.7527% | 4,451 |
| Net loans and leases to core deposits | 62.7723% | 4,602 |
| Total domestic deposits to total assets | 90.9117% | 325 |
| Equity capital to assets | 9.0271% | 4,781 |
| Core capital (leverage) ratio | 9.2222% | 4,449 |
| Tier 1 risk-based capital ratio | 14.6561% | 3,138 |
| Total risk-based capital ratio | 15.8296% | 3,091 |
| Memoranda: | ||
| Average total assets | $381,687,500 | 1,810 |
| Average earning assets | $357,683,000 | 1,784 |
| Average equity | $34,508,000 | 2,110 |
| Average total loans | $220,124,000 | 2,025 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 2,569 |
| Cost of funding earning assets | 0.1357% | 5,514 |
| Net interest margin | 4.0390% | 1,528 |
| Noninterest income to average assets | 0.5970% | 2,681 |
| Noninterest expense to average assets | 3.5530% | 1,081 |
| Loan and lease loss provision to assets | 0.0449% | 3,488 |
| Net operating income to assets | 0.7491% | 3,538 |
| Return on assets (ROA) | 0.7899% | 3,457 |
| Pretax return on assets | 0.7899% | 4,210 |
| Return on Equity (ROE) | 8.2948% | 2,786 |
| Retained earnings to average equity (ytd only) | 2.3699% | 4,175 |
| Net charge-offs to loans | 0.0036% | 4,133 |
| Credit loss provision to net charge-offs | 2,087.5000% | 207 |
| Earnings coverage of net charge-offs (x) | 369.3750% | 219 |
| Efficiency ratio | 81.7356% | 1,235 |
| Assets per employee ($millions) | 2.9074% | 5,418 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,992 |
| Loan loss allowance to noncurrent loans | 143.8689% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7564% | 2,473 |
| Noncurrent loans to loans | 0.8494% | 2,406 |
| Net loans and leases to total assets | 57.7682% | 4,088 |
| Net loans and leases to deposits | 63.5829% | 4,444 |
| Net loans and leases to core deposits | 64.4028% | 4,613 |
| Total domestic deposits to total assets | 90.8549% | 327 |
| Equity capital to assets | 9.0547% | 4,757 |
| Core capital (leverage) ratio | 9.1194% | 4,594 |
| Tier 1 risk-based capital ratio | 14.1729% | 3,365 |
| Total risk-based capital ratio | 15.3003% | 3,350 |
| Memoranda: | ||
| Average total assets | $372,195,800 | 1,801 |
| Average earning assets | $345,558,800 | 1,798 |
| Average equity | $35,443,800 | 2,057 |
| Average total loans | $222,605,200 | 1,959 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,538 |
| Cost of funding earning assets | 0.1377% | 5,563 |
| Net interest margin | 4.0561% | 1,509 |
| Noninterest income to average assets | 0.5801% | 2,767 |
| Noninterest expense to average assets | 3.6169% | 972 |
| Loan and lease loss provision to assets | 0.0436% | 3,358 |
| Net operating income to assets | 0.6781% | 3,974 |
| Return on assets (ROA) | 0.7329% | 3,817 |
| Pretax return on assets | 0.7329% | 4,519 |
| Return on Equity (ROE) | 7.6001% | 3,241 |
| Retained earnings to average equity (ytd only) | 1.7150% | 4,822 |
| Net charge-offs to loans | -0.0012% | 4,448 |
| Credit loss provision to net charge-offs | -6,050.0000% | 5,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3652% | 1,038 |
| Assets per employee ($millions) | 2.9341% | 5,441 |
| Cash dividends to net income (ytd only)* | 77.4338% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,415 |
| Loan loss allowance to noncurrent loans | 119.8572% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 1,887 |
| Noncurrent loans to loans | 0.9779% | 2,286 |
| Net loans and leases to total assets | 60.3068% | 3,835 |
| Net loans and leases to deposits | 66.8605% | 4,259 |
| Net loans and leases to core deposits | 67.7560% | 4,485 |
| Total domestic deposits to total assets | 90.1979% | 406 |
| Equity capital to assets | 9.7001% | 4,465 |
| Core capital (leverage) ratio | 9.2757% | 4,492 |
| Tier 1 risk-based capital ratio | 13.8296% | 3,646 |
| Total risk-based capital ratio | 14.9275% | 3,671 |
| Memoranda: | ||
| Average total assets | $370,026,750 | 1,811 |
| Average earning assets | $342,884,250 | 1,813 |
| Average equity | $35,683,000 | 2,052 |
| Average total loans | $222,570,250 | 1,969 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,484 |
| Cost of funding earning assets | 0.1374% | 5,631 |
| Net interest margin | 4.0717% | 1,443 |
| Noninterest income to average assets | 0.5188% | 3,078 |
| Noninterest expense to average assets | 3.6297% | 966 |
| Loan and lease loss provision to assets | 0.0407% | 3,345 |
| Net operating income to assets | 0.6138% | 4,209 |
| Return on assets (ROA) | 0.6165% | 4,325 |
| Pretax return on assets | 0.6165% | 4,846 |
| Return on Equity (ROE) | 6.4063% | 3,848 |
| Retained earnings to average equity (ytd only) | 0.4798% | 5,157 |
| Net charge-offs to loans | -0.0163% | 4,868 |
| Credit loss provision to net charge-offs | -416.6667% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7217% | 989 |
| Assets per employee ($millions) | 2.8992% | 5,535 |
| Cash dividends to net income (ytd only)* | 92.5110% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 3,489 |
| Loan loss allowance to noncurrent loans | 121.0023% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1059% | 1,914 |
| Noncurrent loans to loans | 0.9717% | 2,340 |
| Net loans and leases to total assets | 60.6281% | 3,797 |
| Net loans and leases to deposits | 67.2776% | 4,245 |
| Net loans and leases to core deposits | 68.3209% | 4,450 |
| Total domestic deposits to total assets | 90.1163% | 441 |
| Equity capital to assets | 9.8054% | 4,445 |
| Core capital (leverage) ratio | 9.2347% | 4,538 |
| Tier 1 risk-based capital ratio | 13.6729% | 3,786 |
| Total risk-based capital ratio | 14.7583% | 3,807 |
| Memoranda: | ||
| Average total assets | $368,181,330 | 1,820 |
| Average earning assets | $340,493,330 | 1,828 |
| Average equity | $35,434,000 | 2,065 |
| Average total loans | $220,368,330 | 1,980 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 2,486 |
| Cost of funding earning assets | 0.1402% | 5,674 |
| Net interest margin | 4.0571% | 1,455 |
| Noninterest income to average assets | 0.4693% | 3,345 |
| Noninterest expense to average assets | 3.5766% | 1,056 |
| Loan and lease loss provision to assets | 0.0315% | 3,245 |
| Net operating income to assets | 0.6030% | 4,166 |
| Return on assets (ROA) | 0.6084% | 4,263 |
| Pretax return on assets | 0.6084% | 4,798 |
| Return on Equity (ROE) | 6.3819% | 3,787 |
| Retained earnings to average equity (ytd only) | 0.3989% | 5,021 |
| Net charge-offs to loans | -0.0018% | 4,114 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9329% | 1,068 |
| Assets per employee ($millions) | 2.8545% | 5,640 |
| Cash dividends to net income (ytd only)* | 93.7500% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,573 |
| Loan loss allowance to noncurrent loans | 72.5112% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 1,368 |
| Noncurrent loans to loans | 1.6343% | 1,400 |
| Net loans and leases to total assets | 59.1761% | 3,899 |
| Net loans and leases to deposits | 65.5898% | 4,295 |
| Net loans and leases to core deposits | 66.6118% | 4,496 |
| Total domestic deposits to total assets | 90.2215% | 519 |
| Equity capital to assets | 9.6966% | 4,451 |
| Core capital (leverage) ratio | 9.2653% | 4,529 |
| Tier 1 risk-based capital ratio | 14.0006% | 3,697 |
| Total risk-based capital ratio | 15.0876% | 3,730 |
| Memoranda: | ||
| Average total assets | $368,170,000 | 1,821 |
| Average earning assets | $339,555,000 | 1,831 |
| Average equity | $35,099,000 | 2,077 |
| Average total loans | $217,607,000 | 2,003 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 2,980 |
| Cost of funding earning assets | 0.1529% | 5,668 |
| Net interest margin | 3.9317% | 1,926 |
| Noninterest income to average assets | 0.5264% | 3,161 |
| Noninterest expense to average assets | 3.4828% | 1,321 |
| Loan and lease loss provision to assets | 0.0346% | 3,659 |
| Net operating income to assets | 0.6573% | 4,009 |
| Return on assets (ROA) | 0.6852% | 3,983 |
| Pretax return on assets | 0.6852% | 4,568 |
| Return on Equity (ROE) | 7.1474% | 3,431 |
| Retained earnings to average equity (ytd only) | 0.7271% | 5,224 |
| Net charge-offs to loans | 0.0771% | 2,723 |
| Credit loss provision to net charge-offs | 75.3012% | 3,032 |
| Earnings coverage of net charge-offs (x) | 15.0663% | 2,234 |
| Efficiency ratio | 83.4272% | 1,232 |
| Assets per employee ($millions) | 2.8757% | 5,637 |
| Cash dividends to net income (ytd only)* | 89.8264% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 3,568 |
| Loan loss allowance to noncurrent loans | 98.9571% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.2171% | 1,778 |
| Noncurrent loans to loans | 1.1964% | 1,973 |
| Net loans and leases to total assets | 57.6454% | 4,128 |
| Net loans and leases to deposits | 63.6493% | 4,493 |
| Net loans and leases to core deposits | 64.6309% | 4,695 |
| Total domestic deposits to total assets | 90.5673% | 419 |
| Equity capital to assets | 9.3726% | 4,706 |
| Core capital (leverage) ratio | 9.1218% | 4,725 |
| Tier 1 risk-based capital ratio | 14.0762% | 3,671 |
| Total risk-based capital ratio | 15.1572% | 3,692 |
| Memoranda: | ||
| Average total assets | $361,488,000 | 1,811 |
| Average earning assets | $335,423,400 | 1,807 |
| Average equity | $34,656,000 | 2,057 |
| Average total loans | $215,299,800 | 1,956 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,189 |
| Cost of funding earning assets | 0.1560% | 5,738 |
| Net interest margin | 3.8788% | 2,101 |
| Noninterest income to average assets | 0.5647% | 2,956 |
| Noninterest expense to average assets | 3.4929% | 1,301 |
| Loan and lease loss provision to assets | 0.0278% | 3,689 |
| Net operating income to assets | 0.6534% | 4,111 |
| Return on assets (ROA) | 0.6698% | 4,150 |
| Pretax return on assets | 0.6698% | 4,778 |
| Return on Equity (ROE) | 6.9461% | 3,654 |
| Retained earnings to average equity (ytd only) | 0.4004% | 5,504 |
| Net charge-offs to loans | 0.0074% | 3,904 |
| Credit loss provision to net charge-offs | 625.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 152.9131% | 458 |
| Efficiency ratio | 83.6787% | 1,203 |
| Assets per employee ($millions) | 2.7552% | 5,795 |
| Cash dividends to net income (ytd only)* | 94.2352% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,776 |
| Loan loss allowance to noncurrent loans | 41.1103% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.8142% | 1,175 |
| Noncurrent loans to loans | 2.8647% | 639 |
| Net loans and leases to total assets | 61.9802% | 3,611 |
| Net loans and leases to deposits | 68.6519% | 4,129 |
| Net loans and leases to core deposits | 69.7432% | 4,397 |
| Total domestic deposits to total assets | 90.2819% | 474 |
| Equity capital to assets | 9.6203% | 4,613 |
| Core capital (leverage) ratio | 9.2727% | 4,624 |
| Tier 1 risk-based capital ratio | 13.8410% | 3,945 |
| Total risk-based capital ratio | 14.9513% | 3,958 |
| Memoranda: | ||
| Average total assets | $359,118,500 | 1,838 |
| Average earning assets | $334,180,750 | 1,830 |
| Average equity | $34,627,750 | 2,075 |
| Average total loans | $215,023,000 | 1,965 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,402 |
| Cost of funding earning assets | 0.1602% | 5,775 |
| Net interest margin | 3.8116% | 2,267 |
| Noninterest income to average assets | 0.5439% | 3,082 |
| Noninterest expense to average assets | 3.4872% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5997% | 4,346 |
| Return on assets (ROA) | 0.6237% | 4,354 |
| Pretax return on assets | 0.6237% | 4,917 |
| Return on Equity (ROE) | 6.4632% | 3,900 |
| Retained earnings to average equity (ytd only) | -0.3295% | 5,573 |
| Net charge-offs to loans | 0.0047% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 328 |
| Efficiency ratio | 85.3262% | 1,115 |
| Assets per employee ($millions) | 2.6487% | 5,954 |
| Cash dividends to net income (ytd only)* | 105.0984% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 3,826 |
| Loan loss allowance to noncurrent loans | 37.1940% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 2.2619% | 909 |
| Noncurrent loans to loans | 3.2124% | 582 |
| Net loans and leases to total assets | 60.0821% | 3,828 |
| Net loans and leases to deposits | 66.5004% | 4,291 |
| Net loans and leases to core deposits | 67.5078% | 4,532 |
| Total domestic deposits to total assets | 90.3484% | 517 |
| Equity capital to assets | 9.5554% | 4,590 |
| Core capital (leverage) ratio | 9.3536% | 4,483 |
| Tier 1 risk-based capital ratio | 13.8446% | 4,012 |
| Total risk-based capital ratio | 14.9531% | 4,033 |
| Memoranda: | ||
| Average total assets | $358,512,670 | 1,849 |
| Average earning assets | $333,247,330 | 1,848 |
| Average equity | $34,596,000 | 2,085 |
| Average total loans | $211,239,000 | 2,003 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 3,233 |
| Cost of funding earning assets | 0.1655% | 5,809 |
| Net interest margin | 3.8331% | 2,122 |
| Noninterest income to average assets | 0.4914% | 3,338 |
| Noninterest expense to average assets | 3.4676% | 1,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5861% | 4,335 |
| Return on assets (ROA) | 0.5961% | 4,405 |
| Pretax return on assets | 0.5961% | 4,923 |
| Return on Equity (ROE) | 6.1477% | 3,959 |
| Retained earnings to average equity (ytd only) | -0.7469% | 5,508 |
| Net charge-offs to loans | 0.0135% | 2,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 75.1429% | 622 |
| Efficiency ratio | 85.5415% | 1,222 |
| Assets per employee ($millions) | 2.7384% | 5,941 |
| Cash dividends to net income (ytd only)* | 112.1495% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 3,747 |
| Loan loss allowance to noncurrent loans | 37.9865% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 2.1958% | 1,046 |
| Noncurrent loans to loans | 3.2614% | 628 |
| Net loans and leases to total assets | 57.2526% | 4,057 |
| Net loans and leases to deposits | 63.4000% | 4,440 |
| Net loans and leases to core deposits | 64.3712% | 4,664 |
| Total domestic deposits to total assets | 90.3038% | 606 |
| Equity capital to assets | 9.6004% | 4,639 |
| Core capital (leverage) ratio | 9.3016% | 4,567 |
| Tier 1 risk-based capital ratio | 14.4747% | 3,734 |
| Total risk-based capital ratio | 15.6330% | 3,705 |
| Memoranda: | ||
| Average total assets | $358,979,500 | 1,846 |
| Average earning assets | $333,622,000 | 1,842 |
| Average equity | $34,810,000 | 2,078 |
| Average total loans | $208,139,000 | 2,025 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 2,053 |
| Cost of funding earning assets | 0.2381% | 5,439 |
| Net interest margin | 4.2161% | 1,255 |
| Noninterest income to average assets | 0.6403% | 2,616 |
| Noninterest expense to average assets | 3.7804% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7547% | 3,603 |
| Return on assets (ROA) | 0.7630% | 3,655 |
| Pretax return on assets | 0.7630% | 4,390 |
| Return on Equity (ROE) | 7.7401% | 3,250 |
| Retained earnings to average equity (ytd only) | 0.5572% | 5,521 |
| Net charge-offs to loans | 0.0165% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 75.3714% | 670 |
| Efficiency ratio | 83.3586% | 1,485 |
| Assets per employee ($millions) | 2.6022% | 6,103 |
| Cash dividends to net income (ytd only)* | 92.8009% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 3,673 |
| Loan loss allowance to noncurrent loans | 51.6878% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.7535% | 1,504 |
| Noncurrent loans to loans | 2.4360% | 1,058 |
| Net loans and leases to total assets | 57.2607% | 4,162 |
| Net loans and leases to deposits | 63.5373% | 4,576 |
| Net loans and leases to core deposits | 64.5248% | 4,792 |
| Total domestic deposits to total assets | 90.1213% | 683 |
| Equity capital to assets | 9.7948% | 4,365 |
| Core capital (leverage) ratio | 9.3264% | 4,502 |
| Tier 1 risk-based capital ratio | 15.1622% | 3,406 |
| Total risk-based capital ratio | 16.3781% | 3,372 |
| Memoranda: | ||
| Average total assets | $349,538,400 | 1,860 |
| Average earning assets | $322,907,000 | 1,854 |
| Average equity | $34,457,000 | 2,027 |
| Average total loans | $211,872,200 | 1,961 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 1,872 |
| Cost of funding earning assets | 0.2552% | 5,350 |
| Net interest margin | 4.2442% | 1,172 |
| Noninterest income to average assets | 0.6172% | 2,765 |
| Noninterest expense to average assets | 3.7967% | 978 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7349% | 3,754 |
| Return on assets (ROA) | 0.7429% | 3,815 |
| Pretax return on assets | 0.7429% | 4,548 |
| Return on Equity (ROE) | 7.5242% | 3,435 |
| Retained earnings to average equity (ytd only) | 0.2446% | 5,734 |
| Net charge-offs to loans | 0.0063% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 191.7434% | 334 |
| Efficiency ratio | 83.7831% | 1,417 |
| Assets per employee ($millions) | 2.5457% | 6,196 |
| Cash dividends to net income (ytd only)* | 96.7492% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 4,100 |
| Loan loss allowance to noncurrent loans | 43.8878% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 2.0653% | 1,368 |
| Noncurrent loans to loans | 2.7936% | 993 |
| Net loans and leases to total assets | 60.7075% | 3,673 |
| Net loans and leases to deposits | 67.5144% | 4,184 |
| Net loans and leases to core deposits | 68.5989% | 4,452 |
| Total domestic deposits to total assets | 89.9179% | 778 |
| Equity capital to assets | 9.9479% | 4,229 |
| Core capital (leverage) ratio | 9.6607% | 4,136 |
| Tier 1 risk-based capital ratio | 14.3357% | 3,998 |
| Total risk-based capital ratio | 15.5219% | 3,966 |
| Memoranda: | ||
| Average total assets | $347,799,000 | 1,876 |
| Average earning assets | $320,776,000 | 1,877 |
| Average equity | $34,341,750 | 2,034 |
| Average total loans | $213,156,500 | 1,963 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 1,608 |
| Cost of funding earning assets | 0.2745% | 5,241 |
| Net interest margin | 4.2964% | 1,032 |
| Noninterest income to average assets | 0.5531% | 3,097 |
| Noninterest expense to average assets | 3.8080% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7091% | 3,790 |
| Return on assets (ROA) | 0.7241% | 3,802 |
| Pretax return on assets | 0.7241% | 4,559 |
| Return on Equity (ROE) | 7.3515% | 3,446 |
| Retained earnings to average equity (ytd only) | -0.0993% | 5,701 |
| Net charge-offs to loans | 0.0103% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 513 |
| Efficiency ratio | 84.3017% | 1,471 |
| Assets per employee ($millions) | 2.4743% | 6,310 |
| Cash dividends to net income (ytd only)* | 101.3514% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 4,269 |
| Loan loss allowance to noncurrent loans | 46.0151% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 2.0943% | 1,497 |
| Noncurrent loans to loans | 2.6746% | 1,135 |
| Net loans and leases to total assets | 61.7425% | 3,447 |
| Net loans and leases to deposits | 68.7433% | 3,964 |
| Net loans and leases to core deposits | 69.9285% | 4,272 |
| Total domestic deposits to total assets | 89.8160% | 896 |
| Equity capital to assets | 10.0792% | 4,001 |
| Core capital (leverage) ratio | 9.7018% | 4,037 |
| Tier 1 risk-based capital ratio | 14.3750% | 4,007 |
| Total risk-based capital ratio | 15.5670% | 3,986 |
| Memoranda: | ||
| Average total assets | $347,480,000 | 1,880 |
| Average earning assets | $320,596,000 | 1,877 |
| Average equity | $34,224,330 | 2,029 |
| Average total loans | $212,759,000 | 1,961 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 2,042 |
| Cost of funding earning assets | 0.3108% | 4,958 |
| Net interest margin | 4.1140% | 1,422 |
| Noninterest income to average assets | 0.5044% | 3,376 |
| Noninterest expense to average assets | 3.7673% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5444% | 4,480 |
| Return on assets (ROA) | 0.5763% | 4,383 |
| Pretax return on assets | 0.5763% | 4,911 |
| Return on Equity (ROE) | 5.9188% | 4,064 |
| Retained earnings to average equity (ytd only) | -1.9925% | 5,858 |
| Net charge-offs to loans | 0.0019% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 477.0000% | 86 |
| Efficiency ratio | 87.3743% | 1,293 |
| Assets per employee ($millions) | 2.5454% | 6,343 |
| Cash dividends to net income (ytd only)* | 133.6634% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 4,418 |
| Loan loss allowance to noncurrent loans | 45.3716% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 2.1954% | 1,510 |
| Noncurrent loans to loans | 2.7405% | 1,227 |
| Net loans and leases to total assets | 60.5015% | 3,472 |
| Net loans and leases to deposits | 67.1664% | 3,953 |
| Net loans and leases to core deposits | 68.3679% | 4,273 |
| Total domestic deposits to total assets | 90.0771% | 1,032 |
| Equity capital to assets | 9.8054% | 4,103 |
| Core capital (leverage) ratio | 9.4324% | 4,373 |
| Tier 1 risk-based capital ratio | 14.4803% | 4,019 |
| Total risk-based capital ratio | 15.6910% | 3,994 |
| Memoranda: | ||
| Average total assets | $350,491,500 | 1,873 |
| Average earning assets | $324,354,000 | 1,856 |
| Average equity | $34,128,500 | 2,025 |
| Average total loans | $212,413,000 | 1,961 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 1,538 |
| Cost of funding earning assets | 0.4021% | 4,627 |
| Net interest margin | 4.3107% | 1,083 |
| Noninterest income to average assets | 0.3387% | 4,900 |
| Noninterest expense to average assets | 3.6469% | 1,380 |
| Loan and lease loss provision to assets | -0.3362% | 6,695 |
| Net operating income to assets | 0.9923% | 2,358 |
| Return on assets (ROA) | 0.9923% | 2,429 |
| Pretax return on assets | 0.9923% | 3,380 |
| Return on Equity (ROE) | 10.3439% | 1,977 |
| Retained earnings to average equity (ytd only) | 2.5319% | 4,451 |
| Net charge-offs to loans | 0.0733% | 4,182 |
| Credit loss provision to net charge-offs | -722.8916% | 6,196 |
| Earnings coverage of net charge-offs (x) | 14.1084% | 1,967 |
| Efficiency ratio | 84.7516% | 1,543 |
| Assets per employee ($millions) | 2.4812% | 6,415 |
| Cash dividends to net income (ytd only)* | 75.5223% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 4,440 |
| Loan loss allowance to noncurrent loans | 43.9081% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 2.1519% | 1,658 |
| Noncurrent loans to loans | 2.8240% | 1,243 |
| Net loans and leases to total assets | 59.2179% | 3,843 |
| Net loans and leases to deposits | 66.1322% | 4,282 |
| Net loans and leases to core deposits | 67.1407% | 4,600 |
| Total domestic deposits to total assets | 89.5447% | 1,306 |
| Equity capital to assets | 9.6709% | 4,194 |
| Core capital (leverage) ratio | 9.3554% | 4,462 |
| Tier 1 risk-based capital ratio | 14.8167% | 3,773 |
| Total risk-based capital ratio | 16.0493% | 3,728 |
| Memoranda: | ||
| Average total assets | $356,931,000 | 1,818 |
| Average earning assets | $328,254,200 | 1,810 |
| Average equity | $34,242,400 | 2,007 |
| Average total loans | $226,444,400 | 1,808 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 1,459 |
| Cost of funding earning assets | 0.4370% | 4,424 |
| Net interest margin | 4.3204% | 1,050 |
| Noninterest income to average assets | 0.2518% | 5,630 |
| Noninterest expense to average assets | 3.6329% | 1,343 |
| Loan and lease loss provision to assets | -0.4476% | 6,819 |
| Net operating income to assets | 1.0306% | 2,259 |
| Return on assets (ROA) | 1.0306% | 2,338 |
| Pretax return on assets | 1.0306% | 3,376 |
| Return on Equity (ROE) | 10.7639% | 1,899 |
| Retained earnings to average equity (ytd only) | 2.9724% | 4,549 |
| Net charge-offs to loans | 0.0812% | 3,794 |
| Credit loss provision to net charge-offs | -857.1429% | 6,158 |
| Earnings coverage of net charge-offs (x) | 11.1644% | 2,270 |
| Efficiency ratio | 86.1718% | 1,347 |
| Assets per employee ($millions) | 2.4349% | 6,525 |
| Cash dividends to net income (ytd only)* | 72.3850% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 4,929 |
| Loan loss allowance to noncurrent loans | 44.0112% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 2.2869% | 1,725 |
| Noncurrent loans to loans | 2.6941% | 1,571 |
| Net loans and leases to total assets | 62.8836% | 3,185 |
| Net loans and leases to deposits | 70.2508% | 3,748 |
| Net loans and leases to core deposits | 71.2683% | 4,183 |
| Total domestic deposits to total assets | 89.5129% | 1,289 |
| Equity capital to assets | 9.6648% | 4,343 |
| Core capital (leverage) ratio | 9.5408% | 4,347 |
| Tier 1 risk-based capital ratio | 13.9681% | 4,456 |
| Total risk-based capital ratio | 15.1445% | 4,457 |
| Memoranda: | ||
| Average total assets | $357,462,500 | 1,824 |
| Average earning assets | $327,985,250 | 1,823 |
| Average equity | $34,224,750 | 2,025 |
| Average total loans | $229,869,000 | 1,793 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 1,529 |
| Cost of funding earning assets | 0.4572% | 4,348 |
| Net interest margin | 4.2572% | 1,120 |
| Noninterest income to average assets | -0.0173% | 6,819 |
| Noninterest expense to average assets | 3.7968% | 1,096 |
| Loan and lease loss provision to assets | -0.6687% | 6,897 |
| Net operating income to assets | 0.7667% | 3,485 |
| Return on assets (ROA) | 0.7667% | 3,640 |
| Pretax return on assets | 0.7667% | 4,439 |
| Return on Equity (ROE) | 8.0329% | 3,079 |
| Retained earnings to average equity (ytd only) | 0.2977% | 5,775 |
| Net charge-offs to loans | 0.0294% | 4,276 |
| Credit loss provision to net charge-offs | -3,529.4118% | 6,196 |
| Earnings coverage of net charge-offs (x) | 5.1765% | 2,954 |
| Efficiency ratio | 97.4821% | 593 |
| Assets per employee ($millions) | 2.4720% | 6,521 |
| Cash dividends to net income (ytd only)* | 96.2936% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 5,068 |
| Loan loss allowance to noncurrent loans | 37.1164% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 2.6967% | 1,549 |
| Noncurrent loans to loans | 3.1927% | 1,376 |
| Net loans and leases to total assets | 65.3419% | 2,705 |
| Net loans and leases to deposits | 74.0123% | 3,151 |
| Net loans and leases to core deposits | 75.4449% | 3,618 |
| Total domestic deposits to total assets | 88.2852% | 2,053 |
| Equity capital to assets | 9.5946% | 4,459 |
| Core capital (leverage) ratio | 9.1543% | 4,749 |
| Tier 1 risk-based capital ratio | 13.6024% | 4,710 |
| Total risk-based capital ratio | 14.8154% | 4,693 |
| Memoranda: | ||
| Average total assets | $358,932,000 | 1,820 |
| Average earning assets | $329,843,670 | 1,811 |
| Average equity | $34,259,000 | 2,029 |
| Average total loans | $231,599,670 | 1,777 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,634 |
| Cost of funding earning assets | 0.4669% | 4,407 |
| Net interest margin | 4.1984% | 1,186 |
| Noninterest income to average assets | 0.6426% | 2,922 |
| Noninterest expense to average assets | 3.7904% | 1,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7012% | 3,682 |
| Return on assets (ROA) | 0.7012% | 3,823 |
| Pretax return on assets | 0.7012% | 4,576 |
| Return on Equity (ROE) | 7.3657% | 3,283 |
| Retained earnings to average equity (ytd only) | -0.1859% | 5,812 |
| Net charge-offs to loans | -0.0104% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3881% | 1,713 |
| Assets per employee ($millions) | 2.5482% | 6,536 |
| Cash dividends to net income (ytd only)* | 102.5237% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7522% | 2,801 |
| Loan loss allowance to noncurrent loans | 47.8635% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 3.3321% | 1,309 |
| Noncurrent loans to loans | 3.6608% | 1,294 |
| Net loans and leases to total assets | 62.1396% | 3,035 |
| Net loans and leases to deposits | 70.7044% | 3,363 |
| Net loans and leases to core deposits | 72.0416% | 3,812 |
| Total domestic deposits to total assets | 87.8864% | 2,391 |
| Equity capital to assets | 9.4599% | 4,907 |
| Core capital (leverage) ratio | 8.9775% | 4,924 |
| Tier 1 risk-based capital ratio | 13.7933% | 4,655 |
| Total risk-based capital ratio | 15.0495% | 4,613 |
| Memoranda: | ||
| Average total assets | $361,647,000 | 1,829 |
| Average earning assets | $331,552,000 | 1,828 |
| Average equity | $34,430,000 | 2,055 |
| Average total loans | $230,522,000 | 1,792 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4362% | 707 |
| Cost of funding earning assets | 0.5382% | 4,929 |
| Net interest margin | 4.8980% | 449 |
| Noninterest income to average assets | 0.5133% | 3,811 |
| Noninterest expense to average assets | 3.9308% | 1,062 |
| Loan and lease loss provision to assets | 0.0613% | 5,008 |
| Net operating income to assets | 0.9482% | 2,560 |
| Return on assets (ROA) | 0.9482% | 2,811 |
| Pretax return on assets | 0.9482% | 3,754 |
| Return on Equity (ROE) | 10.0327% | 2,156 |
| Retained earnings to average equity (ytd only) | 2.4077% | 4,539 |
| Net charge-offs to loans | 0.1087% | 4,578 |
| Credit loss provision to net charge-offs | 85.3282% | 3,657 |
| Earnings coverage of net charge-offs (x) | 14.0618% | 1,770 |
| Efficiency ratio | 79.5669% | 2,199 |
| Assets per employee ($millions) | 2.4757% | 6,636 |
| Cash dividends to net income (ytd only)* | 76.0012% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7245% | 2,838 |
| Loan loss allowance to noncurrent loans | 46.3480% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 3.4787% | 1,305 |
| Noncurrent loans to loans | 3.7207% | 1,303 |
| Net loans and leases to total assets | 63.1295% | 3,032 |
| Net loans and leases to deposits | 71.8832% | 3,429 |
| Net loans and leases to core deposits | 73.1813% | 3,894 |
| Total domestic deposits to total assets | 87.8224% | 2,331 |
| Equity capital to assets | 9.5808% | 4,776 |
| Core capital (leverage) ratio | 8.9052% | 5,037 |
| Tier 1 risk-based capital ratio | 13.4639% | 4,776 |
| Total risk-based capital ratio | 14.7197% | 4,732 |
| Memoranda: | ||
| Average total assets | $360,787,800 | 1,800 |
| Average earning assets | $326,091,600 | 1,824 |
| Average equity | $34,098,400 | 2,029 |
| Average total loans | $238,363,600 | 1,725 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5596% | 599 |
| Cost of funding earning assets | 0.5528% | 5,060 |
| Net interest margin | 5.0069% | 398 |
| Noninterest income to average assets | 0.5649% | 3,509 |
| Noninterest expense to average assets | 3.9949% | 937 |
| Loan and lease loss provision to assets | 0.0710% | 4,782 |
| Net operating income to assets | 1.0134% | 2,433 |
| Return on assets (ROA) | 1.0134% | 2,667 |
| Pretax return on assets | 1.0134% | 3,656 |
| Return on Equity (ROE) | 10.7597% | 2,049 |
| Retained earnings to average equity (ytd only) | 3.1050% | 4,688 |
| Net charge-offs to loans | 0.1556% | 3,872 |
| Credit loss provision to net charge-offs | 68.5714% | 3,945 |
| Earnings coverage of net charge-offs (x) | 10.4751% | 2,185 |
| Efficiency ratio | 78.6505% | 2,292 |
| Assets per employee ($millions) | 2.4288% | 6,759 |
| Cash dividends to net income (ytd only)* | 71.1420% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 3,355 |
| Loan loss allowance to noncurrent loans | 45.6266% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 3.5857% | 1,393 |
| Noncurrent loans to loans | 3.6019% | 1,500 |
| Net loans and leases to total assets | 64.9546% | 2,851 |
| Net loans and leases to deposits | 73.8183% | 3,312 |
| Net loans and leases to core deposits | 75.2979% | 3,813 |
| Total domestic deposits to total assets | 87.9925% | 2,048 |
| Equity capital to assets | 9.4290% | 5,290 |
| Core capital (leverage) ratio | 9.0627% | 4,972 |
| Tier 1 risk-based capital ratio | 12.9487% | 5,292 |
| Total risk-based capital ratio | 14.2037% | 5,253 |
| Memoranda: | ||
| Average total assets | $360,621,750 | 1,828 |
| Average earning assets | $325,144,250 | 1,850 |
| Average equity | $33,965,500 | 2,051 |
| Average total loans | $239,907,750 | 1,728 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5957% | 581 |
| Cost of funding earning assets | 0.5614% | 5,219 |
| Net interest margin | 5.0343% | 379 |
| Noninterest income to average assets | 0.6127% | 3,181 |
| Noninterest expense to average assets | 4.0513% | 886 |
| Loan and lease loss provision to assets | 0.1063% | 4,195 |
| Net operating income to assets | 1.0011% | 2,461 |
| Return on assets (ROA) | 1.0011% | 2,676 |
| Pretax return on assets | 1.0011% | 3,707 |
| Return on Equity (ROE) | 10.6333% | 2,121 |
| Retained earnings to average equity (ytd only) | 2.9494% | 4,673 |
| Net charge-offs to loans | 0.1118% | 4,062 |
| Credit loss provision to net charge-offs | 142.5373% | 1,947 |
| Earnings coverage of net charge-offs (x) | 14.8507% | 1,684 |
| Efficiency ratio | 78.5329% | 2,391 |
| Assets per employee ($millions) | 2.2346% | 6,956 |
| Cash dividends to net income (ytd only)* | 72.2624% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 3,371 |
| Loan loss allowance to noncurrent loans | 42.2316% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 4.0645% | 1,247 |
| Noncurrent loans to loans | 3.9458% | 1,406 |
| Net loans and leases to total assets | 67.6527% | 2,331 |
| Net loans and leases to deposits | 77.0131% | 2,831 |
| Net loans and leases to core deposits | 78.6552% | 3,424 |
| Total domestic deposits to total assets | 87.8457% | 2,252 |
| Equity capital to assets | 9.5070% | 5,046 |
| Core capital (leverage) ratio | 9.0160% | 4,888 |
| Tier 1 risk-based capital ratio | 12.8634% | 5,282 |
| Total risk-based capital ratio | 14.1190% | 5,254 |
| Memoranda: | ||
| Average total assets | $359,391,330 | 1,832 |
| Average earning assets | $324,533,000 | 1,849 |
| Average equity | $33,837,000 | 2,046 |
| Average total loans | $239,679,670 | 1,724 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7093% | 508 |
| Cost of funding earning assets | 0.5720% | 5,342 |
| Net interest margin | 5.1373% | 324 |
| Noninterest income to average assets | 0.6883% | 2,719 |
| Noninterest expense to average assets | 4.1419% | 795 |
| Loan and lease loss provision to assets | 0.1143% | 3,925 |
| Net operating income to assets | 1.0679% | 2,217 |
| Return on assets (ROA) | 1.0679% | 2,410 |
| Pretax return on assets | 1.0679% | 3,448 |
| Return on Equity (ROE) | 11.3981% | 1,870 |
| Retained earnings to average equity (ytd only) | 3.6967% | 4,369 |
| Net charge-offs to loans | 0.2469% | 2,692 |
| Credit loss provision to net charge-offs | 70.5479% | 2,901 |
| Earnings coverage of net charge-offs (x) | 7.2945% | 2,092 |
| Efficiency ratio | 77.7940% | 2,526 |
| Assets per employee ($millions) | 2.2791% | 7,003 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 3,396 |
| Loan loss allowance to noncurrent loans | 47.7037% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 3.7224% | 1,510 |
| Noncurrent loans to loans | 3.5367% | 1,758 |
| Net loans and leases to total assets | 64.7143% | 2,712 |
| Net loans and leases to deposits | 73.5733% | 3,186 |
| Net loans and leases to core deposits | 74.9895% | 3,746 |
| Total domestic deposits to total assets | 87.9590% | 2,345 |
| Equity capital to assets | 9.3803% | 4,992 |
| Core capital (leverage) ratio | 8.9492% | 4,920 |
| Tier 1 risk-based capital ratio | 12.6991% | 5,446 |
| Total risk-based capital ratio | 13.9543% | 5,398 |
| Memoranda: | ||
| Average total assets | $360,319,500 | 1,839 |
| Average earning assets | $325,151,000 | 1,853 |
| Average equity | $33,760,000 | 2,051 |
| Average total loans | $236,529,000 | 1,745 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6232% | 915 |
| Cost of funding earning assets | 0.7850% | 4,972 |
| Net interest margin | 4.8381% | 581 |
| Noninterest income to average assets | 0.6291% | 3,008 |
| Noninterest expense to average assets | 3.9462% | 1,119 |
| Loan and lease loss provision to assets | 0.2548% | 3,658 |
| Net operating income to assets | 0.8247% | 2,933 |
| Return on assets (ROA) | 1.1103% | 1,907 |
| Pretax return on assets | 1.1103% | 2,799 |
| Return on Equity (ROE) | 12.1032% | 1,380 |
| Retained earnings to average equity (ytd only) | 3.9964% | 3,346 |
| Net charge-offs to loans | 0.3147% | 3,821 |
| Credit loss provision to net charge-offs | 121.0733% | 2,621 |
| Earnings coverage of net charge-offs (x) | 5.1296% | 2,888 |
| Efficiency ratio | 78.5213% | 2,521 |
| Assets per employee ($millions) | 2.3720% | 6,939 |
| Cash dividends to net income (ytd only)* | 66.9809% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 3,155 |
| Loan loss allowance to noncurrent loans | 34.3066% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 4.6491% | 1,177 |
| Noncurrent loans to loans | 4.9918% | 1,128 |
| Net loans and leases to total assets | 64.3428% | 3,107 |
| Net loans and leases to deposits | 73.1158% | 3,646 |
| Net loans and leases to core deposits | 74.8044% | 4,135 |
| Total domestic deposits to total assets | 88.0012% | 2,152 |
| Equity capital to assets | 9.3586% | 5,077 |
| Core capital (leverage) ratio | 8.6521% | 5,314 |
| Tier 1 risk-based capital ratio | 13.1956% | 4,920 |
| Total risk-based capital ratio | 14.4515% | 4,893 |
| Memoranda: | ||
| Average total assets | $363,059,400 | 1,791 |
| Average earning assets | $329,920,800 | 1,794 |
| Average equity | $33,305,200 | 1,996 |
| Average total loans | $242,798,400 | 1,725 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6259% | 981 |
| Cost of funding earning assets | 0.8300% | 4,948 |
| Net interest margin | 4.7959% | 629 |
| Noninterest income to average assets | 0.6133% | 3,086 |
| Noninterest expense to average assets | 3.8571% | 1,216 |
| Loan and lease loss provision to assets | 0.3208% | 2,972 |
| Net operating income to assets | 0.8014% | 3,157 |
| Return on assets (ROA) | 1.1002% | 2,115 |
| Pretax return on assets | 1.1002% | 3,014 |
| Return on Equity (ROE) | 12.0533% | 1,539 |
| Retained earnings to average equity (ytd only) | 3.8196% | 4,006 |
| Net charge-offs to loans | 0.2367% | 3,941 |
| Credit loss provision to net charge-offs | 201.6129% | 1,449 |
| Earnings coverage of net charge-offs (x) | 7.0530% | 2,431 |
| Efficiency ratio | 77.4628% | 2,614 |
| Assets per employee ($millions) | 2.3733% | 7,014 |
| Cash dividends to net income (ytd only)* | 68.3107% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 2,967 |
| Loan loss allowance to noncurrent loans | 31.6839% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 5.2878% | 1,078 |
| Noncurrent loans to loans | 5.6632% | 1,025 |
| Net loans and leases to total assets | 64.3036% | 3,249 |
| Net loans and leases to deposits | 72.9045% | 3,820 |
| Net loans and leases to core deposits | 74.6486% | 4,362 |
| Total domestic deposits to total assets | 88.2025% | 1,923 |
| Equity capital to assets | 9.2110% | 5,497 |
| Core capital (leverage) ratio | 8.5922% | 5,565 |
| Tier 1 risk-based capital ratio | 12.8036% | 5,244 |
| Total risk-based capital ratio | 14.0607% | 5,226 |
| Memoranda: | ||
| Average total assets | $363,688,250 | 1,792 |
| Average earning assets | $331,080,250 | 1,802 |
| Average equity | $33,196,000 | 2,003 |
| Average total loans | $244,491,500 | 1,725 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7726% | 758 |
| Cost of funding earning assets | 0.8821% | 4,814 |
| Net interest margin | 4.8904% | 503 |
| Noninterest income to average assets | 0.5791% | 3,276 |
| Noninterest expense to average assets | 3.8659% | 1,251 |
| Loan and lease loss provision to assets | 0.4278% | 2,290 |
| Net operating income to assets | 0.7596% | 3,246 |
| Return on assets (ROA) | 1.1317% | 1,860 |
| Pretax return on assets | 1.1317% | 2,722 |
| Return on Equity (ROE) | 12.4368% | 1,362 |
| Retained earnings to average equity (ytd only) | 3.9434% | 3,685 |
| Net charge-offs to loans | 0.1986% | 3,958 |
| Credit loss provision to net charge-offs | 317.6230% | 957 |
| Earnings coverage of net charge-offs (x) | 8.8156% | 2,006 |
| Efficiency ratio | 76.5021% | 2,937 |
| Assets per employee ($millions) | 2.2882% | 7,129 |
| Cash dividends to net income (ytd only)* | 68.2927% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 2,960 |
| Loan loss allowance to noncurrent loans | 47.7851% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 4.0096% | 1,596 |
| Noncurrent loans to loans | 3.7854% | 1,848 |
| Net loans and leases to total assets | 66.2449% | 2,984 |
| Net loans and leases to deposits | 75.1869% | 3,616 |
| Net loans and leases to core deposits | 76.7942% | 4,212 |
| Total domestic deposits to total assets | 88.1071% | 2,072 |
| Equity capital to assets | 9.2741% | 5,179 |
| Core capital (leverage) ratio | 8.5588% | 5,463 |
| Tier 1 risk-based capital ratio | 12.6859% | 5,190 |
| Total risk-based capital ratio | 13.9439% | 5,155 |
| Memoranda: | ||
| Average total assets | $362,295,670 | 1,807 |
| Average earning assets | $331,465,000 | 1,801 |
| Average equity | $32,966,670 | 2,006 |
| Average total loans | $245,697,670 | 1,734 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5462% | 1,183 |
| Cost of funding earning assets | 0.9266% | 4,737 |
| Net interest margin | 4.6196% | 832 |
| Noninterest income to average assets | 0.5603% | 3,433 |
| Noninterest expense to average assets | 3.8072% | 1,329 |
| Loan and lease loss provision to assets | 0.1930% | 3,698 |
| Net operating income to assets | 0.8106% | 2,975 |
| Return on assets (ROA) | 0.8106% | 3,041 |
| Pretax return on assets | 0.8106% | 3,866 |
| Return on Equity (ROE) | 8.9948% | 2,474 |
| Retained earnings to average equity (ytd only) | -0.1836% | 5,820 |
| Net charge-offs to loans | 0.1054% | 3,904 |
| Credit loss provision to net charge-offs | 269.2308% | 1,164 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,393 |
| Efficiency ratio | 79.1380% | 2,672 |
| Assets per employee ($millions) | 2.2200% | 7,239 |
| Cash dividends to net income (ytd only)* | 102.0408% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 3,576 |
| Loan loss allowance to noncurrent loans | 32.9077% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 3.9357% | 1,696 |
| Noncurrent loans to loans | 4.9811% | 1,355 |
| Net loans and leases to total assets | 65.8162% | 3,059 |
| Net loans and leases to deposits | 74.5615% | 3,674 |
| Net loans and leases to core deposits | 76.1494% | 4,283 |
| Total domestic deposits to total assets | 88.2710% | 2,211 |
| Equity capital to assets | 9.0932% | 5,065 |
| Core capital (leverage) ratio | 8.3413% | 5,724 |
| Tier 1 risk-based capital ratio | 12.3985% | 5,351 |
| Total risk-based capital ratio | 13.6540% | 5,336 |
| Memoranda: | ||
| Average total assets | $362,676,500 | 1,815 |
| Average earning assets | $333,706,500 | 1,796 |
| Average equity | $32,685,500 | 2,002 |
| Average total loans | $246,591,500 | 1,747 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9560% | 934 |
| Cost of funding earning assets | 1.1085% | 5,093 |
| Net interest margin | 4.8476% | 611 |
| Noninterest income to average assets | 0.9302% | 1,741 |
| Noninterest expense to average assets | 3.7317% | 1,626 |
| Loan and lease loss provision to assets | 0.7524% | 2,181 |
| Net operating income to assets | 0.9452% | 2,218 |
| Return on assets (ROA) | 0.9594% | 2,291 |
| Pretax return on assets | 0.9594% | 3,066 |
| Return on Equity (ROE) | 11.0112% | 1,584 |
| Retained earnings to average equity (ytd only) | 4.8991% | 2,478 |
| Net charge-offs to loans | 0.5593% | 3,381 |
| Credit loss provision to net charge-offs | 195.2516% | 1,626 |
| Earnings coverage of net charge-offs (x) | 4.4054% | 2,935 |
| Efficiency ratio | 68.7223% | 4,421 |
| Assets per employee ($millions) | 2.3152% | 7,207 |
| Cash dividends to net income (ytd only)* | 55.5081% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 3,793 |
| Loan loss allowance to noncurrent loans | 33.4800% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 3.7341% | 1,841 |
| Noncurrent loans to loans | 4.6174% | 1,518 |
| Net loans and leases to total assets | 67.9988% | 2,981 |
| Net loans and leases to deposits | 76.8736% | 3,712 |
| Net loans and leases to core deposits | 78.6233% | 4,384 |
| Total domestic deposits to total assets | 88.4552% | 1,972 |
| Equity capital to assets | 8.9318% | 5,233 |
| Core capital (leverage) ratio | 8.1242% | 5,962 |
| Tier 1 risk-based capital ratio | 12.1536% | 5,334 |
| Total risk-based capital ratio | 13.4081% | 5,309 |
| Memoranda: | ||
| Average total assets | $366,159,000 | 1,791 |
| Average earning assets | $339,841,000 | 1,757 |
| Average equity | $31,904,000 | 2,058 |
| Average total loans | $252,264,200 | 1,748 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9435% | 1,046 |
| Cost of funding earning assets | 1.1303% | 5,251 |
| Net interest margin | 4.8131% | 661 |
| Noninterest income to average assets | 0.9875% | 1,495 |
| Noninterest expense to average assets | 3.6347% | 1,708 |
| Loan and lease loss provision to assets | 0.9450% | 1,587 |
| Net operating income to assets | 0.8792% | 2,701 |
| Return on assets (ROA) | 0.8981% | 2,766 |
| Pretax return on assets | 0.8981% | 3,562 |
| Return on Equity (ROE) | 10.3722% | 1,982 |
| Retained earnings to average equity (ytd only) | 3.8660% | 3,747 |
| Net charge-offs to loans | 0.6609% | 2,777 |
| Credit loss provision to net charge-offs | 207.6677% | 1,706 |
| Earnings coverage of net charge-offs (x) | 4.0088% | 3,218 |
| Efficiency ratio | 66.5690% | 4,738 |
| Assets per employee ($millions) | 2.3959% | 7,205 |
| Cash dividends to net income (ytd only)* | 62.7279% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,951 |
| Loan loss allowance to noncurrent loans | 37.8714% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 3.2025% | 2,236 |
| Noncurrent loans to loans | 3.9641% | 1,899 |
| Net loans and leases to total assets | 67.1692% | 3,418 |
| Net loans and leases to deposits | 75.5695% | 4,252 |
| Net loans and leases to core deposits | 76.7721% | 4,954 |
| Total domestic deposits to total assets | 88.8839% | 1,455 |
| Equity capital to assets | 8.6018% | 6,152 |
| Core capital (leverage) ratio | 7.9509% | 6,416 |
| Tier 1 risk-based capital ratio | 11.5667% | 5,864 |
| Total risk-based capital ratio | 12.8209% | 5,849 |
| Memoranda: | ||
| Average total assets | $366,826,500 | 1,806 |
| Average earning assets | $340,781,000 | 1,783 |
| Average equity | $31,763,500 | 2,080 |
| Average total loans | $252,568,000 | 1,771 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0302% | 874 |
| Cost of funding earning assets | 1.1649% | 5,313 |
| Net interest margin | 4.8652% | 584 |
| Noninterest income to average assets | 1.0389% | 1,255 |
| Noninterest expense to average assets | 3.7480% | 1,453 |
| Loan and lease loss provision to assets | 1.3670% | 990 |
| Net operating income to assets | 0.4474% | 4,564 |
| Return on assets (ROA) | 0.4761% | 4,585 |
| Pretax return on assets | 0.4761% | 4,979 |
| Return on Equity (ROE) | 5.4855% | 4,053 |
| Retained earnings to average equity (ytd only) | 1.0309% | 5,357 |
| Net charge-offs to loans | 0.7099% | 2,442 |
| Credit loss provision to net charge-offs | 278.7162% | 1,335 |
| Earnings coverage of net charge-offs (x) | 3.6993% | 3,210 |
| Efficiency ratio | 67.3617% | 4,699 |
| Assets per employee ($millions) | 2.1918% | 7,444 |
| Cash dividends to net income (ytd only)* | 81.2065% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 3,369 |
| Loan loss allowance to noncurrent loans | 95.3478% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.8711% | 3,657 |
| Noncurrent loans to loans | 1.6988% | 4,139 |
| Net loans and leases to total assets | 70.7368% | 2,733 |
| Net loans and leases to deposits | 79.5973% | 3,670 |
| Net loans and leases to core deposits | 80.8368% | 4,573 |
| Total domestic deposits to total assets | 88.8683% | 1,510 |
| Equity capital to assets | 8.5478% | 6,103 |
| Core capital (leverage) ratio | 7.8624% | 6,426 |
| Tier 1 risk-based capital ratio | 11.1499% | 6,094 |
| Total risk-based capital ratio | 12.4047% | 6,079 |
| Memoranda: | ||
| Average total assets | $362,117,670 | 1,844 |
| Average earning assets | $336,673,670 | 1,817 |
| Average equity | $31,428,330 | 2,100 |
| Average total loans | $250,163,000 | 1,814 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8694% | 1,274 |
| Cost of funding earning assets | 1.2276% | 5,245 |
| Net interest margin | 4.6418% | 887 |
| Noninterest income to average assets | 0.7052% | 2,562 |
| Noninterest expense to average assets | 3.7461% | 1,419 |
| Loan and lease loss provision to assets | 0.2499% | 4,049 |
| Net operating income to assets | 1.0262% | 2,086 |
| Return on assets (ROA) | 1.0840% | 1,963 |
| Pretax return on assets | 1.0840% | 2,792 |
| Return on Equity (ROE) | 12.3942% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.3942% | 700 |
| Net charge-offs to loans | -0.0263% | 7,150 |
| Credit loss provision to net charge-offs | -1,406.2500% | 6,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5467% | 3,481 |
| Assets per employee ($millions) | 2.1939% | 7,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 5,582 |
| Loan loss allowance to noncurrent loans | 291.3000% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 5,283 |
| Noncurrent loans to loans | 0.4062% | 6,479 |
| Net loans and leases to total assets | 66.3974% | 3,773 |
| Net loans and leases to deposits | 74.8694% | 4,611 |
| Net loans and leases to core deposits | 75.9721% | 5,261 |
| Total domestic deposits to total assets | 88.6842% | 1,683 |
| Equity capital to assets | 8.7160% | 5,708 |
| Core capital (leverage) ratio | 8.2662% | 5,809 |
| Tier 1 risk-based capital ratio | 11.5627% | 5,613 |
| Total risk-based capital ratio | 12.7018% | 5,699 |
| Memoranda: | ||
| Average total assets | $360,158,500 | 1,902 |
| Average earning assets | $334,959,500 | 1,868 |
| Average equity | $31,498,500 | 2,110 |
| Average total loans | $243,652,000 | 1,901 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2994% | 1,027 |
| Cost of funding earning assets | 1.3939% | 5,954 |
| Net interest margin | 4.9054% | 549 |
| Noninterest income to average assets | 0.8211% | 2,303 |
| Noninterest expense to average assets | 4.2849% | 1,005 |
| Loan and lease loss provision to assets | 0.4978% | 3,885 |
| Net operating income to assets | 0.6033% | 3,316 |
| Return on assets (ROA) | 0.6927% | 3,038 |
| Pretax return on assets | 0.6927% | 3,600 |
| Return on Equity (ROE) | 7.3605% | 2,639 |
| Retained earnings to average equity (ytd only) | -3.1865% | 5,734 |
| Net charge-offs to loans | 0.7069% | 3,068 |
| Credit loss provision to net charge-offs | 99.2801% | 5,616 |
| Earnings coverage of net charge-offs (x) | 2.1962% | 4,076 |
| Efficiency ratio | 79.4003% | 2,971 |
| Assets per employee ($millions) | 2.1194% | 7,638 |
| Cash dividends to net income (ytd only)* | 143.2914% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,861 |
| Loan loss allowance to noncurrent loans | 122.3190% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.3011% | 4,482 |
| Noncurrent loans to loans | 0.9049% | 5,498 |
| Net loans and leases to total assets | 67.3723% | 3,842 |
| Net loans and leases to deposits | 76.1155% | 4,727 |
| Net loans and leases to core deposits | 84.7577% | 5,646 |
| Total domestic deposits to total assets | 88.5131% | 1,718 |
| Equity capital to assets | 8.7765% | 5,475 |
| Core capital (leverage) ratio | 8.2422% | 5,744 |
| Tier 1 risk-based capital ratio | 11.4405% | 5,462 |
| Total risk-based capital ratio | 12.5102% | 5,605 |
| Memoranda: | ||
| Average total assets | $332,490,600 | 2,040 |
| Average earning assets | $309,412,800 | 2,011 |
| Average equity | $31,288,600 | 2,142 |
| Average total loans | $235,812,600 | 1,989 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3790% | 964 |
| Cost of funding earning assets | 1.4133% | 6,175 |
| Net interest margin | 4.9657% | 479 |
| Noninterest income to average assets | 1.1465% | 1,194 |
| Noninterest expense to average assets | 4.2657% | 956 |
| Loan and lease loss provision to assets | 0.3872% | 3,999 |
| Net operating income to assets | 1.1176% | 1,680 |
| Return on assets (ROA) | 1.2297% | 1,457 |
| Pretax return on assets | 1.2297% | 2,167 |
| Return on Equity (ROE) | 12.8332% | 1,140 |
| Retained earnings to average equity (ytd only) | 4.3260% | 2,853 |
| Net charge-offs to loans | 0.1058% | 5,613 |
| Credit loss provision to net charge-offs | 510.7527% | 767 |
| Earnings coverage of net charge-offs (x) | 19.8498% | 1,264 |
| Efficiency ratio | 73.7745% | 3,900 |
| Assets per employee ($millions) | 2.0700% | 7,740 |
| Cash dividends to net income (ytd only)* | 66.2910% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 3,849 |
| Loan loss allowance to noncurrent loans | 88.4103% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.7234% | 3,785 |
| Noncurrent loans to loans | 1.6040% | 4,231 |
| Net loans and leases to total assets | 71.0406% | 3,262 |
| Net loans and leases to deposits | 80.6493% | 4,263 |
| Net loans and leases to core deposits | 89.1735% | 5,515 |
| Total domestic deposits to total assets | 88.0859% | 1,618 |
| Equity capital to assets | 9.7334% | 4,447 |
| Core capital (leverage) ratio | 9.2577% | 4,252 |
| Tier 1 risk-based capital ratio | 12.3017% | 4,707 |
| Total risk-based capital ratio | 13.5532% | 4,644 |
| Memoranda: | ||
| Average total assets | $327,129,500 | 2,089 |
| Average earning assets | $304,616,750 | 2,064 |
| Average equity | $31,345,000 | 2,156 |
| Average total loans | $234,485,000 | 2,023 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3906% | 1,026 |
| Cost of funding earning assets | 1.4355% | 6,366 |
| Net interest margin | 4.9551% | 479 |
| Noninterest income to average assets | 1.0652% | 1,403 |
| Noninterest expense to average assets | 4.2348% | 1,027 |
| Loan and lease loss provision to assets | 0.3089% | 4,102 |
| Net operating income to assets | 1.1430% | 1,625 |
| Return on assets (ROA) | 1.3129% | 1,279 |
| Pretax return on assets | 1.3129% | 1,985 |
| Return on Equity (ROE) | 13.7781% | 1,032 |
| Retained earnings to average equity (ytd only) | 5.3492% | 2,319 |
| Net charge-offs to loans | 0.1408% | 4,764 |
| Credit loss provision to net charge-offs | 306.7485% | 1,514 |
| Earnings coverage of net charge-offs (x) | 14.4172% | 1,654 |
| Efficiency ratio | 74.3155% | 3,989 |
| Assets per employee ($millions) | 2.0627% | 7,809 |
| Cash dividends to net income (ytd only)* | 61.1765% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,475 |
| Loan loss allowance to noncurrent loans | 94.7302% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 4,021 |
| Noncurrent loans to loans | 1.3392% | 4,537 |
| Net loans and leases to total assets | 71.6617% | 3,305 |
| Net loans and leases to deposits | 81.6523% | 4,280 |
| Net loans and leases to core deposits | 90.5237% | 5,494 |
| Total domestic deposits to total assets | 87.7645% | 1,895 |
| Equity capital to assets | 9.6980% | 4,352 |
| Core capital (leverage) ratio | 9.2733% | 4,204 |
| Tier 1 risk-based capital ratio | 12.8127% | 4,280 |
| Total risk-based capital ratio | 14.0628% | 4,193 |
| Memoranda: | ||
| Average total assets | $323,701,330 | 2,129 |
| Average earning assets | $301,911,330 | 2,101 |
| Average equity | $30,846,000 | 2,201 |
| Average total loans | $231,597,000 | 2,071 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3996% | 1,064 |
| Cost of funding earning assets | 1.4249% | 6,648 |
| Net interest margin | 4.9747% | 425 |
| Noninterest income to average assets | 0.8371% | 2,140 |
| Noninterest expense to average assets | 4.0551% | 1,121 |
| Loan and lease loss provision to assets | 0.2488% | 3,981 |
| Net operating income to assets | 1.1755% | 1,725 |
| Return on assets (ROA) | 1.4255% | 1,176 |
| Pretax return on assets | 1.4255% | 1,896 |
| Return on Equity (ROE) | 15.0958% | 961 |
| Retained earnings to average equity (ytd only) | 7.1923% | 2,136 |
| Net charge-offs to loans | 0.3153% | 2,842 |
| Credit loss provision to net charge-offs | 111.1111% | 3,469 |
| Earnings coverage of net charge-offs (x) | 6.3611% | 2,508 |
| Efficiency ratio | 73.8479% | 3,852 |
| Assets per employee ($millions) | 2.1129% | 7,796 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 4,894 |
| Loan loss allowance to noncurrent loans | 113.9966% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.3234% | 4,020 |
| Noncurrent loans to loans | 1.0398% | 4,910 |
| Net loans and leases to total assets | 69.2782% | 3,853 |
| Net loans and leases to deposits | 78.5907% | 4,834 |
| Net loans and leases to core deposits | 87.5170% | 5,781 |
| Total domestic deposits to total assets | 88.1507% | 1,680 |
| Equity capital to assets | 9.5263% | 4,629 |
| Core capital (leverage) ratio | 9.4685% | 4,021 |
| Tier 1 risk-based capital ratio | 12.3620% | 4,650 |
| Total risk-based capital ratio | 13.4734% | 4,681 |
| Memoranda: | ||
| Average total assets | $321,570,500 | 2,157 |
| Average earning assets | $300,081,000 | 2,125 |
| Average equity | $30,366,000 | 2,240 |
| Average total loans | $228,373,500 | 2,115 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6570% | 2,218 |
| Cost of funding earning assets | 1.9278% | 6,645 |
| Net interest margin | 4.7292% | 916 |
| Noninterest income to average assets | 1.0621% | 1,394 |
| Noninterest expense to average assets | 4.1216% | 1,246 |
| Loan and lease loss provision to assets | 0.1433% | 5,521 |
| Net operating income to assets | 1.2158% | 1,728 |
| Return on assets (ROA) | 1.2939% | 1,452 |
| Pretax return on assets | 1.2939% | 2,329 |
| Return on Equity (ROE) | 14.3816% | 1,032 |
| Retained earnings to average equity (ytd only) | 9.3066% | 552 |
| Net charge-offs to loans | 0.1276% | 4,963 |
| Credit loss provision to net charge-offs | 164.2599% | 3,138 |
| Earnings coverage of net charge-offs (x) | 15.5812% | 1,922 |
| Efficiency ratio | 75.0417% | 3,393 |
| Assets per employee ($millions) | 2.0634% | 7,855 |
| Cash dividends to net income (ytd only)* | 35.2884% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 4,749 |
| Loan loss allowance to noncurrent loans | 118.1338% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7465% | 4,983 |
| Noncurrent loans to loans | 0.9938% | 4,608 |
| Net loans and leases to total assets | 71.1042% | 3,768 |
| Net loans and leases to deposits | 81.5817% | 4,780 |
| Net loans and leases to core deposits | 87.9588% | 5,980 |
| Total domestic deposits to total assets | 87.1571% | 1,861 |
| Equity capital to assets | 9.3578% | 4,869 |
| Core capital (leverage) ratio | 9.3912% | 4,168 |
| Tier 1 risk-based capital ratio | 12.2496% | 4,627 |
| Total risk-based capital ratio | 13.3631% | 4,615 |
| Memoranda: | ||
| Average total assets | $317,572,400 | 2,111 |
| Average earning assets | $296,709,200 | 2,064 |
| Average equity | $28,571,200 | 2,365 |
| Average total loans | $217,098,600 | 2,157 |