Home > Community Bank and Trust > Performance and Condition Ratios
Community Bank and Trust, 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 | 3.4086% | 4,431 |
| Cost of funding earning assets | 0.2067% | 4,440 |
| Net interest margin | 3.2019% | 2,870 |
| Noninterest income to average assets | 1.3500% | 445 |
| Noninterest expense to average assets | 3.3444% | 705 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9616% | 2,331 |
| Return on assets (ROA) | 0.9725% | 2,286 |
| Pretax return on assets | 0.9728% | 2,742 |
| Return on Equity (ROE) | 14.5700% | 1,372 |
| Retained earnings to average equity (ytd only) | -4.0713% | 4,367 |
| Net charge-offs to loans | 0.0489% | 1,384 |
| Credit loss provision to net charge-offs | 298.8889% | 965 |
| Earnings coverage of net charge-offs (x) | 45.9333% | 1,344 |
| Efficiency ratio | 76.4753% | 1,212 |
| Assets per employee ($millions) | 3.1840% | 4,356 |
| Cash dividends to net income (ytd only)* | 127.9427% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,339 |
| Loan loss allowance to noncurrent loans | 742.8000% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 3,142 |
| Noncurrent loans to loans | 0.1340% | 2,837 |
| Net loans and leases to total assets | 47.5500% | 3,751 |
| Net loans and leases to deposits | 53.2782% | 3,824 |
| Net loans and leases to core deposits | 53.8017% | 3,981 |
| Total domestic deposits to total assets | 89.2400% | 991 |
| Equity capital to assets | 6.9873% | 3,944 |
| Core capital (leverage) ratio | 8.1956% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0413% | 339 |
| Memoranda: | ||
| Average total assets | $401,841,800 | 2,006 |
| Average earning assets | $379,748,800 | 1,978 |
| Average equity | $26,822,000 | 2,415 |
| Average total loans | $183,908,200 | 2,409 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3014% | 4,457 |
| Cost of funding earning assets | 0.1414% | 4,484 |
| Net interest margin | 3.1599% | 3,004 |
| Noninterest income to average assets | 1.3600% | 439 |
| Noninterest expense to average assets | 3.3675% | 656 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9421% | 2,539 |
| Return on assets (ROA) | 0.9503% | 2,500 |
| Pretax return on assets | 0.9506% | 2,974 |
| Return on Equity (ROE) | 14.4000% | 1,565 |
| Retained earnings to average equity (ytd only) | 4.4274% | 3,136 |
| Net charge-offs to loans | 0.0473% | 1,212 |
| Credit loss provision to net charge-offs | 169.2308% | 1,231 |
| Earnings coverage of net charge-offs (x) | 45.7538% | 1,361 |
| Efficiency ratio | 77.4833% | 1,046 |
| Assets per employee ($millions) | 3.3659% | 4,347 |
| Cash dividends to net income (ytd only)* | 69.2521% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 3,646 |
| Loan loss allowance to noncurrent loans | 762.3894% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,246 |
| Noncurrent loans to loans | 0.1214% | 2,953 |
| Net loans and leases to total assets | 46.0500% | 3,829 |
| Net loans and leases to deposits | 52.0526% | 3,873 |
| Net loans and leases to core deposits | 52.4680% | 3,976 |
| Total domestic deposits to total assets | 88.4700% | 1,420 |
| Equity capital to assets | 6.6015% | 3,795 |
| Core capital (leverage) ratio | 8.6030% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5020% | 302 |
| Memoranda: | ||
| Average total assets | $405,190,500 | 1,995 |
| Average earning assets | $382,739,750 | 1,973 |
| Average equity | $26,742,000 | 2,412 |
| Average total loans | $183,246,250 | 2,414 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 4,490 |
| Cost of funding earning assets | 0.0814% | 4,527 |
| Net interest margin | 3.1496% | 3,108 |
| Noninterest income to average assets | 1.3300% | 375 |
| Noninterest expense to average assets | 3.3692% | 632 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9087% | 2,729 |
| Return on assets (ROA) | 0.9175% | 2,682 |
| Pretax return on assets | 0.9180% | 3,126 |
| Return on Equity (ROE) | 13.9000% | 1,703 |
| Retained earnings to average equity (ytd only) | -0.9984% | 4,215 |
| Net charge-offs to loans | 0.0417% | 1,094 |
| Credit loss provision to net charge-offs | 113.1579% | 1,361 |
| Earnings coverage of net charge-offs (x) | 49.7895% | 1,291 |
| Efficiency ratio | 78.3623% | 978 |
| Assets per employee ($millions) | 3.3533% | 4,376 |
| Cash dividends to net income (ytd only)* | 107.1811% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 3,720 |
| Loan loss allowance to noncurrent loans | 564.7651% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,035 |
| Noncurrent loans to loans | 0.1628% | 2,662 |
| Net loans and leases to total assets | 44.7000% | 3,854 |
| Net loans and leases to deposits | 50.5006% | 3,902 |
| Net loans and leases to core deposits | 50.7859% | 3,995 |
| Total domestic deposits to total assets | 88.5200% | 1,417 |
| Equity capital to assets | 6.4757% | 4,002 |
| Core capital (leverage) ratio | 8.2021% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8565% | 321 |
| Memoranda: | ||
| Average total assets | $406,738,000 | 1,992 |
| Average earning assets | $383,478,667 | 1,965 |
| Average equity | $26,842,000 | 2,420 |
| Average total loans | $182,271,667 | 2,418 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0864% | 4,535 |
| Cost of funding earning assets | 0.0469% | 4,580 |
| Net interest margin | 3.0395% | 3,496 |
| Noninterest income to average assets | 1.2900% | 397 |
| Noninterest expense to average assets | 3.3691% | 632 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7711% | 3,295 |
| Return on assets (ROA) | 0.7789% | 3,218 |
| Pretax return on assets | 0.7799% | 3,508 |
| Return on Equity (ROE) | 11.6900% | 2,299 |
| Retained earnings to average equity (ytd only) | 11.6938% | 1,323 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.9917% | 764 |
| Assets per employee ($millions) | 3.4109% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 3,773 |
| Loan loss allowance to noncurrent loans | 490.4624% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 2,955 |
| Noncurrent loans to loans | 0.1896% | 2,527 |
| Net loans and leases to total assets | 44.1700% | 3,858 |
| Net loans and leases to deposits | 50.0415% | 3,888 |
| Net loans and leases to core deposits | 50.3224% | 3,986 |
| Total domestic deposits to total assets | 88.2800% | 1,826 |
| Equity capital to assets | 6.8892% | 3,879 |
| Core capital (leverage) ratio | 8.4092% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5898% | 325 |
| Memoranda: | ||
| Average total assets | $407,233,000 | 2,019 |
| Average earning assets | $384,137,500 | 1,988 |
| Average equity | $27,125,500 | 2,429 |
| Average total loans | $181,872,500 | 2,438 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5790% | 4,468 |
| Cost of funding earning assets | 0.0150% | 4,633 |
| Net interest margin | 2.5640% | 4,217 |
| Noninterest income to average assets | 1.3300% | 392 |
| Noninterest expense to average assets | 3.0194% | 943 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7045% | 3,610 |
| Return on assets (ROA) | 0.6942% | 3,581 |
| Pretax return on assets | 0.6944% | 3,856 |
| Return on Equity (ROE) | 10.4000% | 2,679 |
| Retained earnings to average equity (ytd only) | 8.5977% | 1,606 |
| Net charge-offs to loans | 0.0760% | 889 |
| Credit loss provision to net charge-offs | 84.0580% | 1,663 |
| Earnings coverage of net charge-offs (x) | 22.0942% | 1,846 |
| Efficiency ratio | 80.4739% | 682 |
| Assets per employee ($millions) | 3.3210% | 4,482 |
| Cash dividends to net income (ytd only)* | 17.3070% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,433 |
| Loan loss allowance to noncurrent loans | 673.4082% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,144 |
| Noncurrent loans to loans | 0.1473% | 2,772 |
| Net loans and leases to total assets | 44.2900% | 3,879 |
| Net loans and leases to deposits | 50.0646% | 3,895 |
| Net loans and leases to core deposits | 50.3918% | 3,966 |
| Total domestic deposits to total assets | 88.4600% | 1,908 |
| Equity capital to assets | 6.4303% | 3,926 |
| Core capital (leverage) ratio | 8.0996% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5249% | 352 |
| Memoranda: | ||
| Average total assets | $416,177,400 | 1,970 |
| Average earning assets | $393,920,000 | 1,933 |
| Average equity | $27,786,400 | 2,438 |
| Average total loans | $181,509,600 | 2,363 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4395% | 4,480 |
| Cost of funding earning assets | 0.0151% | 4,669 |
| Net interest margin | 2.4244% | 4,291 |
| Noninterest income to average assets | 1.3300% | 416 |
| Noninterest expense to average assets | 3.0655% | 834 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5290% | 4,016 |
| Return on assets (ROA) | 0.5149% | 3,989 |
| Pretax return on assets | 0.5153% | 4,124 |
| Return on Equity (ROE) | 7.6400% | 3,422 |
| Retained earnings to average equity (ytd only) | 5.2822% | 3,002 |
| Net charge-offs to loans | 0.0771% | 766 |
| Credit loss provision to net charge-offs | 91.4286% | 1,369 |
| Earnings coverage of net charge-offs (x) | 16.7524% | 1,812 |
| Efficiency ratio | 84.5580% | 516 |
| Assets per employee ($millions) | 3.5984% | 4,461 |
| Cash dividends to net income (ytd only)* | 30.9023% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,465 |
| Loan loss allowance to noncurrent loans | 701.9380% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,262 |
| Noncurrent loans to loans | 0.1430% | 2,908 |
| Net loans and leases to total assets | 43.1700% | 3,925 |
| Net loans and leases to deposits | 48.5720% | 3,930 |
| Net loans and leases to core deposits | 48.9180% | 4,001 |
| Total domestic deposits to total assets | 88.8800% | 2,138 |
| Equity capital to assets | 5.9364% | 3,985 |
| Core capital (leverage) ratio | 7.7692% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9502% | 434 |
| Memoranda: | ||
| Average total assets | $418,931,500 | 1,968 |
| Average earning assets | $396,795,250 | 1,939 |
| Average equity | $28,219,750 | 2,449 |
| Average total loans | $181,577,500 | 2,363 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3339% | 4,500 |
| Cost of funding earning assets | 0.0155% | 4,728 |
| Net interest margin | 2.3184% | 4,319 |
| Noninterest income to average assets | 1.3152% | 414 |
| Noninterest expense to average assets | 3.0544% | 785 |
| Loan and lease loss provision to assets | 0.0285% | 2,076 |
| Net operating income to assets | 0.4317% | 4,049 |
| Return on assets (ROA) | 0.4122% | 4,034 |
| Pretax return on assets | 0.4127% | 4,139 |
| Return on Equity (ROE) | 5.8904% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.4934% | 3,617 |
| Net charge-offs to loans | 0.0758% | 709 |
| Credit loss provision to net charge-offs | 86.9565% | 1,354 |
| Earnings coverage of net charge-offs (x) | 14.0435% | 1,670 |
| Efficiency ratio | 86.8930% | 546 |
| Assets per employee ($millions) | 3.6314% | 4,512 |
| Cash dividends to net income (ytd only)* | 57.6701% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,635 |
| Loan loss allowance to noncurrent loans | 532.6471% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 3,167 |
| Noncurrent loans to loans | 0.1861% | 2,774 |
| Net loans and leases to total assets | 43.3055% | 3,886 |
| Net loans and leases to deposits | 48.2455% | 3,907 |
| Net loans and leases to core deposits | 48.5571% | 4,003 |
| Total domestic deposits to total assets | 89.7609% | 1,815 |
| Equity capital to assets | 6.3535% | 4,078 |
| Core capital (leverage) ratio | 7.3720% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2920% | 463 |
| Memoranda: | ||
| Average total assets | $420,635,333 | 1,975 |
| Average earning assets | $399,156,333 | 1,948 |
| Average equity | $29,437,667 | 2,442 |
| Average total loans | $181,950,667 | 2,372 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2541% | 4,494 |
| Cost of funding earning assets | 0.0160% | 4,744 |
| Net interest margin | 2.2381% | 4,305 |
| Noninterest income to average assets | 1.2820% | 435 |
| Noninterest expense to average assets | 3.0757% | 714 |
| Loan and lease loss provision to assets | 0.0351% | 1,732 |
| Net operating income to assets | 0.2956% | 4,152 |
| Return on assets (ROA) | 0.2625% | 4,189 |
| Pretax return on assets | 0.2625% | 4,247 |
| Return on Equity (ROE) | 3.5869% | 3,971 |
| Retained earnings to average equity (ytd only) | 3.5869% | 3,080 |
| Net charge-offs to loans | 0.0793% | 601 |
| Credit loss provision to net charge-offs | 102.7778% | 997 |
| Earnings coverage of net charge-offs (x) | 9.6944% | 1,478 |
| Efficiency ratio | 90.2921% | 533 |
| Assets per employee ($millions) | 3.6931% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,699 |
| Loan loss allowance to noncurrent loans | 711.3281% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,460 |
| Noncurrent loans to loans | 0.1414% | 3,101 |
| Net loans and leases to total assets | 41.8356% | 3,891 |
| Net loans and leases to deposits | 46.8772% | 3,933 |
| Net loans and leases to core deposits | 47.1330% | 4,020 |
| Total domestic deposits to total assets | 89.2450% | 1,955 |
| Equity capital to assets | 6.6989% | 4,341 |
| Core capital (leverage) ratio | 7.4637% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2377% | 478 |
| Memoranda: | ||
| Average total assets | $422,146,000 | 1,976 |
| Average earning assets | $400,698,000 | 1,952 |
| Average equity | $30,890,000 | 2,436 |
| Average total loans | $181,595,500 | 2,366 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5304% | 4,456 |
| Cost of funding earning assets | 0.0179% | 4,778 |
| Net interest margin | 2.5125% | 4,174 |
| Noninterest income to average assets | 1.4549% | 528 |
| Noninterest expense to average assets | 3.0835% | 863 |
| Loan and lease loss provision to assets | 0.0087% | 2,905 |
| Net operating income to assets | 0.7363% | 3,529 |
| Return on assets (ROA) | 0.7487% | 3,557 |
| Pretax return on assets | 0.7502% | 3,840 |
| Return on Equity (ROE) | 9.2395% | 2,810 |
| Retained earnings to average equity (ytd only) | 7.9379% | 1,569 |
| Net charge-offs to loans | 0.0261% | 1,722 |
| Credit loss provision to net charge-offs | 77.7778% | 1,971 |
| Earnings coverage of net charge-offs (x) | 66.8444% | 1,111 |
| Efficiency ratio | 80.5106% | 777 |
| Assets per employee ($millions) | 3.4658% | 4,594 |
| Cash dividends to net income (ytd only)* | 14.0868% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,759 |
| Loan loss allowance to noncurrent loans | 650.0000% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,494 |
| Noncurrent loans to loans | 0.1537% | 3,168 |
| Net loans and leases to total assets | 43.3589% | 3,886 |
| Net loans and leases to deposits | 49.2211% | 3,932 |
| Net loans and leases to core deposits | 49.5014% | 4,030 |
| Total domestic deposits to total assets | 88.0901% | 1,998 |
| Equity capital to assets | 7.9544% | 4,386 |
| Core capital (leverage) ratio | 7.5370% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5538% | 592 |
| Memoranda: | ||
| Average total assets | $402,982,800 | 1,979 |
| Average earning assets | $380,935,000 | 1,967 |
| Average equity | $32,653,400 | 2,399 |
| Average total loans | $172,150,000 | 2,445 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5764% | 4,518 |
| Cost of funding earning assets | 0.0184% | 4,861 |
| Net interest margin | 2.5581% | 4,196 |
| Noninterest income to average assets | 1.4502% | 575 |
| Noninterest expense to average assets | 3.1959% | 714 |
| Loan and lease loss provision to assets | 0.0043% | 2,888 |
| Net operating income to assets | 0.6627% | 3,864 |
| Return on assets (ROA) | 0.6854% | 3,865 |
| Pretax return on assets | 0.6874% | 4,084 |
| Return on Equity (ROE) | 8.4186% | 3,279 |
| Retained earnings to average equity (ytd only) | 6.6775% | 2,543 |
| Net charge-offs to loans | 0.0189% | 1,679 |
| Credit loss provision to net charge-offs | 54.1667% | 1,839 |
| Earnings coverage of net charge-offs (x) | 83.5833% | 957 |
| Efficiency ratio | 82.6890% | 596 |
| Assets per employee ($millions) | 3.5667% | 4,617 |
| Cash dividends to net income (ytd only)* | 20.6813% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,749 |
| Loan loss allowance to noncurrent loans | 689.0152% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,684 |
| Noncurrent loans to loans | 0.1491% | 3,373 |
| Net loans and leases to total assets | 42.3436% | 4,068 |
| Net loans and leases to deposits | 48.2604% | 4,099 |
| Net loans and leases to core deposits | 48.5374% | 4,212 |
| Total domestic deposits to total assets | 87.7399% | 1,985 |
| Equity capital to assets | 8.0685% | 4,486 |
| Core capital (leverage) ratio | 7.4468% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7323% | 624 |
| Memoranda: | ||
| Average total assets | $399,754,500 | 2,007 |
| Average earning assets | $377,361,000 | 2,000 |
| Average equity | $32,546,250 | 2,435 |
| Average total loans | $169,650,500 | 2,498 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5819% | 4,561 |
| Cost of funding earning assets | 0.0188% | 4,901 |
| Net interest margin | 2.5631% | 4,226 |
| Noninterest income to average assets | 1.4437% | 582 |
| Noninterest expense to average assets | 3.2650% | 647 |
| Loan and lease loss provision to assets | 0.0051% | 2,789 |
| Net operating income to assets | 0.5893% | 4,003 |
| Return on assets (ROA) | 0.5953% | 4,048 |
| Pretax return on assets | 0.5983% | 4,239 |
| Return on Equity (ROE) | 7.2890% | 3,577 |
| Retained earnings to average equity (ytd only) | 4.6548% | 3,311 |
| Net charge-offs to loans | -0.0132% | 3,797 |
| Credit loss provision to net charge-offs | -90.9091% | 3,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5347% | 529 |
| Assets per employee ($millions) | 3.3710% | 4,706 |
| Cash dividends to net income (ytd only)* | 36.1395% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,528 |
| Loan loss allowance to noncurrent loans | 619.0635% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,713 |
| Noncurrent loans to loans | 0.1734% | 3,348 |
| Net loans and leases to total assets | 42.1573% | 4,169 |
| Net loans and leases to deposits | 47.9497% | 4,220 |
| Net loans and leases to core deposits | 48.2307% | 4,314 |
| Total domestic deposits to total assets | 87.9198% | 1,876 |
| Equity capital to assets | 8.0359% | 4,512 |
| Core capital (leverage) ratio | 7.2564% | 4,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3617% | 658 |
| Memoranda: | ||
| Average total assets | $395,095,333 | 2,022 |
| Average earning assets | $372,829,667 | 2,007 |
| Average equity | $32,267,667 | 2,440 |
| Average total loans | $167,198,000 | 2,533 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5378% | 4,623 |
| Cost of funding earning assets | 0.0196% | 4,932 |
| Net interest margin | 2.5183% | 4,271 |
| Noninterest income to average assets | 1.4242% | 657 |
| Noninterest expense to average assets | 3.3280% | 581 |
| Loan and lease loss provision to assets | 0.0102% | 2,639 |
| Net operating income to assets | 0.4551% | 4,258 |
| Return on assets (ROA) | 0.4744% | 4,261 |
| Pretax return on assets | 0.4785% | 4,382 |
| Return on Equity (ROE) | 5.7609% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.7609% | 2,983 |
| Net charge-offs to loans | -0.0559% | 4,438 |
| Credit loss provision to net charge-offs | -43.4783% | 2,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6417% | 463 |
| Assets per employee ($millions) | 3.4405% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,282 |
| Loan loss allowance to noncurrent loans | 381.7623% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 3,569 |
| Noncurrent loans to loans | 0.2966% | 3,035 |
| Net loans and leases to total assets | 40.0613% | 4,335 |
| Net loans and leases to deposits | 45.5515% | 4,374 |
| Net loans and leases to core deposits | 45.7941% | 4,448 |
| Total domestic deposits to total assets | 87.9473% | 1,872 |
| Equity capital to assets | 7.9422% | 4,524 |
| Core capital (leverage) ratio | 7.6868% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4146% | 865 |
| Memoranda: | ||
| Average total assets | $390,382,500 | 2,029 |
| Average earning assets | $367,871,500 | 2,009 |
| Average equity | $32,148,000 | 2,434 |
| Average total loans | $164,604,000 | 2,557 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1319% | 4,529 |
| Cost of funding earning assets | 0.0332% | 4,959 |
| Net interest margin | 3.0987% | 3,627 |
| Noninterest income to average assets | 1.6999% | 438 |
| Noninterest expense to average assets | 3.6641% | 554 |
| Loan and lease loss provision to assets | 0.0313% | 4,009 |
| Net operating income to assets | 0.9033% | 2,677 |
| Return on assets (ROA) | 0.9474% | 2,644 |
| Pretax return on assets | 0.9480% | 3,225 |
| Return on Equity (ROE) | 10.6058% | 1,773 |
| Retained earnings to average equity (ytd only) | 5.7363% | 1,941 |
| Net charge-offs to loans | 0.0234% | 2,576 |
| Credit loss provision to net charge-offs | 276.9231% | 1,812 |
| Earnings coverage of net charge-offs (x) | 82.6923% | 880 |
| Efficiency ratio | 79.6658% | 914 |
| Assets per employee ($millions) | 3.0470% | 4,801 |
| Cash dividends to net income (ytd only)* | 45.9137% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,410 |
| Loan loss allowance to noncurrent loans | 486.7021% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 3,811 |
| Noncurrent loans to loans | 0.2283% | 3,387 |
| Net loans and leases to total assets | 43.4581% | 4,275 |
| Net loans and leases to deposits | 50.2209% | 4,306 |
| Net loans and leases to core deposits | 50.5153% | 4,401 |
| Total domestic deposits to total assets | 86.5338% | 2,129 |
| Equity capital to assets | 8.5522% | 4,412 |
| Core capital (leverage) ratio | 7.8426% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1132% | 890 |
| Memoranda: | ||
| Average total assets | $344,835,800 | 2,078 |
| Average earning assets | $322,649,400 | 2,070 |
| Average equity | $30,804,000 | 2,441 |
| Average total loans | $166,395,800 | 2,515 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2185% | 4,569 |
| Cost of funding earning assets | 0.0368% | 4,996 |
| Net interest margin | 3.1817% | 3,540 |
| Noninterest income to average assets | 1.6781% | 416 |
| Noninterest expense to average assets | 3.8262% | 450 |
| Loan and lease loss provision to assets | 0.0347% | 3,904 |
| Net operating income to assets | 0.7873% | 3,143 |
| Return on assets (ROA) | 0.8513% | 3,033 |
| Pretax return on assets | 0.8521% | 3,510 |
| Return on Equity (ROE) | 9.4186% | 2,240 |
| Retained earnings to average equity (ytd only) | 2.8597% | 3,577 |
| Net charge-offs to loans | 0.0072% | 2,863 |
| Credit loss provision to net charge-offs | 977.7778% | 841 |
| Earnings coverage of net charge-offs (x) | 231.3333% | 446 |
| Efficiency ratio | 82.3004% | 719 |
| Assets per employee ($millions) | 2.9041% | 4,859 |
| Cash dividends to net income (ytd only)* | 69.6379% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 3,249 |
| Loan loss allowance to noncurrent loans | 453.4483% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 3,871 |
| Noncurrent loans to loans | 0.2408% | 3,443 |
| Net loans and leases to total assets | 46.3097% | 4,299 |
| Net loans and leases to deposits | 53.1284% | 4,371 |
| Net loans and leases to core deposits | 53.4499% | 4,474 |
| Total domestic deposits to total assets | 87.1657% | 1,599 |
| Equity capital to assets | 8.6347% | 4,380 |
| Core capital (leverage) ratio | 7.7403% | 4,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7175% | 948 |
| Memoranda: | ||
| Average total assets | $337,349,250 | 2,087 |
| Average earning assets | $315,002,250 | 2,080 |
| Average equity | $30,492,000 | 2,448 |
| Average total loans | $166,819,000 | 2,515 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 4,625 |
| Cost of funding earning assets | 0.0391% | 5,034 |
| Net interest margin | 3.2855% | 3,419 |
| Noninterest income to average assets | 1.6115% | 403 |
| Noninterest expense to average assets | 3.9646% | 422 |
| Loan and lease loss provision to assets | 0.0534% | 3,637 |
| Net operating income to assets | 0.6550% | 3,565 |
| Return on assets (ROA) | 0.7411% | 3,362 |
| Pretax return on assets | 0.7411% | 3,766 |
| Return on Equity (ROE) | 8.0683% | 2,720 |
| Retained earnings to average equity (ytd only) | -1.8355% | 4,573 |
| Net charge-offs to loans | 0.0024% | 2,924 |
| Credit loss provision to net charge-offs | 4,400.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 584.0000% | 174 |
| Efficiency ratio | 84.8410% | 593 |
| Assets per employee ($millions) | 2.9418% | 4,868 |
| Cash dividends to net income (ytd only)* | 122.7496% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,193 |
| Loan loss allowance to noncurrent loans | 439.7619% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 3,946 |
| Noncurrent loans to loans | 0.2450% | 3,501 |
| Net loans and leases to total assets | 47.6386% | 4,277 |
| Net loans and leases to deposits | 54.3013% | 4,366 |
| Net loans and leases to core deposits | 54.5983% | 4,478 |
| Total domestic deposits to total assets | 87.7302% | 1,317 |
| Equity capital to assets | 8.5053% | 4,473 |
| Core capital (leverage) ratio | 7.7423% | 4,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9057% | 1,072 |
| Memoranda: | ||
| Average total assets | $329,764,333 | 2,092 |
| Average earning assets | $307,288,333 | 2,091 |
| Average equity | $30,291,333 | 2,448 |
| Average total loans | $166,224,000 | 2,507 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 4,586 |
| Cost of funding earning assets | 0.0449% | 5,084 |
| Net interest margin | 3.5033% | 2,968 |
| Noninterest income to average assets | 1.7027% | 321 |
| Noninterest expense to average assets | 4.2353% | 402 |
| Loan and lease loss provision to assets | 0.0695% | 2,878 |
| Net operating income to assets | 0.6505% | 3,446 |
| Return on assets (ROA) | 0.5912% | 3,673 |
| Pretax return on assets | 0.5912% | 3,933 |
| Return on Equity (ROE) | 6.1783% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.1783% | 1,808 |
| Net charge-offs to loans | 0.0440% | 1,590 |
| Credit loss provision to net charge-offs | 305.5556% | 1,165 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,141 |
| Efficiency ratio | 85.4703% | 735 |
| Assets per employee ($millions) | 2.5830% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,187 |
| Loan loss allowance to noncurrent loans | 419.1142% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,975 |
| Noncurrent loans to loans | 0.2631% | 3,551 |
| Net loans and leases to total assets | 49.9402% | 4,244 |
| Net loans and leases to deposits | 57.3221% | 4,308 |
| Net loans and leases to core deposits | 57.6701% | 4,447 |
| Total domestic deposits to total assets | 87.1221% | 1,509 |
| Equity capital to assets | 9.5809% | 4,149 |
| Core capital (leverage) ratio | 8.7845% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5974% | 1,052 |
| Memoranda: | ||
| Average total assets | $316,669,000 | 2,115 |
| Average earning assets | $294,010,500 | 2,112 |
| Average equity | $30,299,500 | 2,436 |
| Average total loans | $163,626,500 | 2,503 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5944% | 4,780 |
| Cost of funding earning assets | 0.0433% | 5,147 |
| Net interest margin | 3.5512% | 3,285 |
| Noninterest income to average assets | 1.8645% | 292 |
| Noninterest expense to average assets | 4.0446% | 505 |
| Loan and lease loss provision to assets | 0.0381% | 3,252 |
| Net operating income to assets | 1.0875% | 2,492 |
| Return on assets (ROA) | 1.1239% | 2,456 |
| Pretax return on assets | 1.1252% | 3,094 |
| Return on Equity (ROE) | 12.1638% | 1,451 |
| Retained earnings to average equity (ytd only) | 0.0519% | 4,676 |
| Net charge-offs to loans | 0.0680% | 2,115 |
| Credit loss provision to net charge-offs | 110.1852% | 2,264 |
| Earnings coverage of net charge-offs (x) | 32.6296% | 1,497 |
| Efficiency ratio | 78.2106% | 1,125 |
| Assets per employee ($millions) | 2.3343% | 5,048 |
| Cash dividends to net income (ytd only)* | 99.5733% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,093 |
| Loan loss allowance to noncurrent loans | 404.8276% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 3,939 |
| Noncurrent loans to loans | 0.2649% | 3,494 |
| Net loans and leases to total assets | 52.3249% | 4,197 |
| Net loans and leases to deposits | 61.1577% | 4,235 |
| Net loans and leases to core deposits | 61.5367% | 4,363 |
| Total domestic deposits to total assets | 85.5573% | 2,263 |
| Equity capital to assets | 9.5549% | 4,308 |
| Core capital (leverage) ratio | 8.7577% | 4,694 |
| Tier 1 risk-based capital ratio | 17.1459% | 2,010 |
| Total risk-based capital ratio | 18.2673% | 1,988 |
| Memoranda: | ||
| Average total assets | $312,737,400 | 2,089 |
| Average earning assets | $291,228,800 | 2,083 |
| Average equity | $28,897,200 | 2,452 |
| Average total loans | $158,810,800 | 2,524 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5982% | 4,885 |
| Cost of funding earning assets | 0.0438% | 5,225 |
| Net interest margin | 3.5544% | 3,390 |
| Noninterest income to average assets | 1.8580% | 300 |
| Noninterest expense to average assets | 4.1352% | 452 |
| Loan and lease loss provision to assets | 0.0353% | 3,187 |
| Net operating income to assets | 0.9975% | 2,992 |
| Return on assets (ROA) | 1.0571% | 2,831 |
| Pretax return on assets | 1.0588% | 3,418 |
| Return on Equity (ROE) | 11.5377% | 1,792 |
| Retained earnings to average equity (ytd only) | -4.7191% | 5,055 |
| Net charge-offs to loans | 0.0677% | 1,857 |
| Credit loss provision to net charge-offs | 103.7500% | 2,178 |
| Earnings coverage of net charge-offs (x) | 30.3886% | 1,612 |
| Efficiency ratio | 79.9885% | 927 |
| Assets per employee ($millions) | 2.5093% | 5,073 |
| Cash dividends to net income (ytd only)* | 140.9017% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 2,918 |
| Loan loss allowance to noncurrent loans | 391.2946% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 4,019 |
| Noncurrent loans to loans | 0.2868% | 3,513 |
| Net loans and leases to total assets | 49.6372% | 4,447 |
| Net loans and leases to deposits | 57.3705% | 4,493 |
| Net loans and leases to core deposits | 57.7208% | 4,628 |
| Total domestic deposits to total assets | 86.5204% | 1,762 |
| Equity capital to assets | 9.2096% | 4,661 |
| Core capital (leverage) ratio | 8.3908% | 4,988 |
| Tier 1 risk-based capital ratio | 16.6665% | 2,200 |
| Total risk-based capital ratio | 17.7947% | 2,182 |
| Memoranda: | ||
| Average total assets | $313,304,750 | 2,094 |
| Average earning assets | $291,915,500 | 2,089 |
| Average equity | $28,705,250 | 2,480 |
| Average total loans | $157,460,250 | 2,565 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5838% | 4,944 |
| Cost of funding earning assets | 0.0444% | 5,269 |
| Net interest margin | 3.5394% | 3,471 |
| Noninterest income to average assets | 1.8126% | 305 |
| Noninterest expense to average assets | 4.0946% | 476 |
| Loan and lease loss provision to assets | 0.0306% | 3,208 |
| Net operating income to assets | 0.9866% | 2,971 |
| Return on assets (ROA) | 1.0649% | 2,724 |
| Pretax return on assets | 1.0674% | 3,331 |
| Return on Equity (ROE) | 11.6428% | 1,721 |
| Retained earnings to average equity (ytd only) | -12.7291% | 5,204 |
| Net charge-offs to loans | 0.0621% | 1,757 |
| Credit loss provision to net charge-offs | 97.9592% | 2,030 |
| Earnings coverage of net charge-offs (x) | 32.6735% | 1,400 |
| Efficiency ratio | 80.0623% | 957 |
| Assets per employee ($millions) | 2.5118% | 5,118 |
| Cash dividends to net income (ytd only)* | 209.3301% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,986 |
| Loan loss allowance to noncurrent loans | 354.5639% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 3,901 |
| Noncurrent loans to loans | 0.3150% | 3,408 |
| Net loans and leases to total assets | 49.2840% | 4,506 |
| Net loans and leases to deposits | 56.4962% | 4,576 |
| Net loans and leases to core deposits | 56.7990% | 4,689 |
| Total domestic deposits to total assets | 87.2342% | 1,475 |
| Equity capital to assets | 8.8460% | 4,880 |
| Core capital (leverage) ratio | 8.0419% | 5,153 |
| Tier 1 risk-based capital ratio | 15.9787% | 2,423 |
| Total risk-based capital ratio | 17.0922% | 2,417 |
| Memoranda: | ||
| Average total assets | $314,022,330 | 2,093 |
| Average earning assets | $292,928,330 | 2,086 |
| Average equity | $28,721,670 | 2,471 |
| Average total loans | $157,880,330 | 2,571 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5471% | 5,005 |
| Cost of funding earning assets | 0.0464% | 5,331 |
| Net interest margin | 3.5007% | 3,590 |
| Noninterest income to average assets | 1.7551% | 300 |
| Noninterest expense to average assets | 4.0898% | 471 |
| Loan and lease loss provision to assets | 0.0471% | 2,703 |
| Net operating income to assets | 0.8839% | 3,295 |
| Return on assets (ROA) | 1.0088% | 2,852 |
| Pretax return on assets | 1.0088% | 3,414 |
| Return on Equity (ROE) | 10.8510% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.8510% | 837 |
| Net charge-offs to loans | 0.0429% | 1,659 |
| Credit loss provision to net charge-offs | 217.6471% | 997 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,107 |
| Efficiency ratio | 81.4561% | 927 |
| Assets per employee ($millions) | 2.6436% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 2,983 |
| Loan loss allowance to noncurrent loans | 316.6369% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 3,946 |
| Noncurrent loans to loans | 0.3558% | 3,303 |
| Net loans and leases to total assets | 48.5587% | 4,550 |
| Net loans and leases to deposits | 55.5199% | 4,623 |
| Net loans and leases to core deposits | 55.8096% | 4,722 |
| Total domestic deposits to total assets | 87.4617% | 1,584 |
| Equity capital to assets | 9.3105% | 4,424 |
| Core capital (leverage) ratio | 8.9427% | 4,687 |
| Tier 1 risk-based capital ratio | 17.1623% | 2,061 |
| Total risk-based capital ratio | 18.2587% | 2,056 |
| Memoranda: | ||
| Average total assets | $314,047,500 | 2,103 |
| Average earning assets | $292,970,500 | 2,089 |
| Average equity | $29,195,500 | 2,454 |
| Average total loans | $158,577,500 | 2,576 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 4,973 |
| Cost of funding earning assets | 0.0550% | 5,357 |
| Net interest margin | 3.3847% | 4,036 |
| Noninterest income to average assets | 1.8901% | 294 |
| Noninterest expense to average assets | 3.9856% | 542 |
| Loan and lease loss provision to assets | 0.0551% | 3,071 |
| Net operating income to assets | 1.0017% | 3,002 |
| Return on assets (ROA) | 0.9947% | 3,024 |
| Pretax return on assets | 0.9966% | 3,613 |
| Return on Equity (ROE) | 11.1980% | 2,005 |
| Retained earnings to average equity (ytd only) | 1.0863% | 4,683 |
| Net charge-offs to loans | 0.1254% | 1,492 |
| Credit loss provision to net charge-offs | 86.1386% | 2,769 |
| Earnings coverage of net charge-offs (x) | 16.5644% | 2,240 |
| Efficiency ratio | 79.0127% | 1,038 |
| Assets per employee ($millions) | 2.4658% | 5,222 |
| Cash dividends to net income (ytd only)* | 90.2990% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,150 |
| Loan loss allowance to noncurrent loans | 327.7154% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 3,940 |
| Noncurrent loans to loans | 0.3336% | 3,357 |
| Net loans and leases to total assets | 51.3620% | 4,437 |
| Net loans and leases to deposits | 58.9454% | 4,528 |
| Net loans and leases to core deposits | 59.3278% | 4,659 |
| Total domestic deposits to total assets | 87.1348% | 1,708 |
| Equity capital to assets | 9.2820% | 4,336 |
| Core capital (leverage) ratio | 8.8033% | 4,806 |
| Tier 1 risk-based capital ratio | 16.4892% | 2,243 |
| Total risk-based capital ratio | 17.5616% | 2,248 |
| Memoranda: | ||
| Average total assets | $316,061,600 | 2,062 |
| Average earning assets | $294,535,000 | 2,051 |
| Average equity | $28,076,400 | 2,455 |
| Average total loans | $161,136,800 | 2,513 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4030% | 5,032 |
| Cost of funding earning assets | 0.0567% | 5,423 |
| Net interest margin | 3.3463% | 4,162 |
| Noninterest income to average assets | 1.8669% | 306 |
| Noninterest expense to average assets | 4.0193% | 514 |
| Loan and lease loss provision to assets | 0.0524% | 2,935 |
| Net operating income to assets | 0.9110% | 3,477 |
| Return on assets (ROA) | 0.9148% | 3,464 |
| Pretax return on assets | 0.9169% | 3,956 |
| Return on Equity (ROE) | 10.4113% | 2,431 |
| Retained earnings to average equity (ytd only) | -3.1349% | 5,257 |
| Net charge-offs to loans | 0.1057% | 1,431 |
| Credit loss provision to net charge-offs | 97.6563% | 2,327 |
| Earnings coverage of net charge-offs (x) | 17.9924% | 2,079 |
| Efficiency ratio | 80.6308% | 889 |
| Assets per employee ($millions) | 2.5388% | 5,271 |
| Cash dividends to net income (ytd only)* | 130.1101% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 3,200 |
| Loan loss allowance to noncurrent loans | 629.4326% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,517 |
| Noncurrent loans to loans | 0.1746% | 4,109 |
| Net loans and leases to total assets | 51.1682% | 4,521 |
| Net loans and leases to deposits | 58.4956% | 4,620 |
| Net loans and leases to core deposits | 58.8080% | 4,747 |
| Total domestic deposits to total assets | 87.4737% | 1,504 |
| Equity capital to assets | 8.7482% | 4,765 |
| Core capital (leverage) ratio | 8.3742% | 5,158 |
| Tier 1 risk-based capital ratio | 15.4824% | 2,658 |
| Total risk-based capital ratio | 16.5415% | 2,669 |
| Memoranda: | ||
| Average total assets | $318,022,000 | 2,071 |
| Average earning assets | $296,317,250 | 2,050 |
| Average equity | $27,943,250 | 2,460 |
| Average total loans | $161,406,500 | 2,522 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3496% | 5,091 |
| Cost of funding earning assets | 0.0591% | 5,479 |
| Net interest margin | 3.2904% | 4,274 |
| Noninterest income to average assets | 1.8428% | 306 |
| Noninterest expense to average assets | 4.0014% | 530 |
| Loan and lease loss provision to assets | 0.0431% | 3,036 |
| Net operating income to assets | 0.8583% | 3,636 |
| Return on assets (ROA) | 0.8827% | 3,540 |
| Pretax return on assets | 0.8852% | 4,005 |
| Return on Equity (ROE) | 10.0314% | 2,549 |
| Retained earnings to average equity (ytd only) | -10.1379% | 5,418 |
| Net charge-offs to loans | 0.0992% | 1,361 |
| Credit loss provision to net charge-offs | 86.2500% | 2,201 |
| Earnings coverage of net charge-offs (x) | 18.0750% | 1,923 |
| Efficiency ratio | 81.5726% | 865 |
| Assets per employee ($millions) | 2.5193% | 5,329 |
| Cash dividends to net income (ytd only)* | 201.0623% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,263 |
| Loan loss allowance to noncurrent loans | 695.6693% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,606 |
| Noncurrent loans to loans | 0.1581% | 4,196 |
| Net loans and leases to total assets | 50.4503% | 4,583 |
| Net loans and leases to deposits | 56.9078% | 4,705 |
| Net loans and leases to core deposits | 57.1652% | 4,822 |
| Total domestic deposits to total assets | 88.6526% | 1,075 |
| Equity capital to assets | 8.4799% | 4,958 |
| Core capital (leverage) ratio | 8.0161% | 5,341 |
| Tier 1 risk-based capital ratio | 14.9892% | 2,881 |
| Total risk-based capital ratio | 16.0416% | 2,900 |
| Memoranda: | ||
| Average total assets | $319,939,330 | 2,067 |
| Average earning assets | $297,771,330 | 2,057 |
| Average equity | $28,151,670 | 2,467 |
| Average total loans | $161,356,000 | 2,537 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2483% | 5,196 |
| Cost of funding earning assets | 0.0625% | 5,528 |
| Net interest margin | 3.1858% | 4,518 |
| Noninterest income to average assets | 1.7900% | 315 |
| Noninterest expense to average assets | 3.9361% | 565 |
| Loan and lease loss provision to assets | 0.0372% | 3,003 |
| Net operating income to assets | 0.7889% | 3,755 |
| Return on assets (ROA) | 0.7790% | 3,794 |
| Pretax return on assets | 0.7790% | 4,203 |
| Return on Equity (ROE) | 8.6994% | 3,061 |
| Retained earnings to average equity (ytd only) | 8.6994% | 1,575 |
| Net charge-offs to loans | 0.0816% | 1,319 |
| Credit loss provision to net charge-offs | 90.9091% | 1,665 |
| Earnings coverage of net charge-offs (x) | 20.1818% | 1,479 |
| Efficiency ratio | 82.6517% | 891 |
| Assets per employee ($millions) | 2.6656% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,405 |
| Loan loss allowance to noncurrent loans | 698.8189% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 4,380 |
| Noncurrent loans to loans | 0.1569% | 4,275 |
| Net loans and leases to total assets | 49.2185% | 4,614 |
| Net loans and leases to deposits | 56.0490% | 4,686 |
| Net loans and leases to core deposits | 56.3849% | 4,826 |
| Total domestic deposits to total assets | 87.8133% | 1,722 |
| Equity capital to assets | 8.9029% | 4,655 |
| Core capital (leverage) ratio | 8.5947% | 5,068 |
| Tier 1 risk-based capital ratio | 16.0565% | 2,445 |
| Total risk-based capital ratio | 17.1039% | 2,476 |
| Memoranda: | ||
| Average total assets | $322,454,000 | 2,061 |
| Average earning assets | $300,836,000 | 2,055 |
| Average equity | $28,875,500 | 2,444 |
| Average total loans | $161,714,000 | 2,554 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2084% | 5,178 |
| Cost of funding earning assets | 0.0718% | 5,573 |
| Net interest margin | 3.1366% | 4,612 |
| Noninterest income to average assets | 1.8561% | 332 |
| Noninterest expense to average assets | 3.7891% | 702 |
| Loan and lease loss provision to assets | 0.0874% | 2,445 |
| Net operating income to assets | 0.9043% | 2,687 |
| Return on assets (ROA) | 0.8765% | 2,855 |
| Pretax return on assets | 0.8765% | 3,987 |
| Return on Equity (ROE) | 10.3263% | 1,761 |
| Retained earnings to average equity (ytd only) | 10.3263% | 310 |
| Net charge-offs to loans | 0.1631% | 1,500 |
| Credit loss provision to net charge-offs | 110.9804% | 2,346 |
| Earnings coverage of net charge-offs (x) | 12.5961% | 2,459 |
| Efficiency ratio | 79.2573% | 1,187 |
| Assets per employee ($millions) | 2.5576% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,354 |
| Loan loss allowance to noncurrent loans | 670.9434% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,402 |
| Noncurrent loans to loans | 0.1640% | 4,275 |
| Net loans and leases to total assets | 49.9883% | 4,649 |
| Net loans and leases to deposits | 57.2599% | 4,734 |
| Net loans and leases to core deposits | 57.6106% | 4,868 |
| Total domestic deposits to total assets | 87.3006% | 1,857 |
| Equity capital to assets | 9.0078% | 4,716 |
| Core capital (leverage) ratio | 8.3862% | 5,230 |
| Tier 1 risk-based capital ratio | 15.5906% | 2,588 |
| Total risk-based capital ratio | 16.6299% | 2,608 |
| Memoranda: | ||
| Average total assets | $323,905,200 | 2,044 |
| Average earning assets | $302,019,000 | 2,033 |
| Average equity | $27,493,000 | 2,517 |
| Average total loans | $156,313,000 | 2,587 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1804% | 5,253 |
| Cost of funding earning assets | 0.0739% | 5,631 |
| Net interest margin | 3.1065% | 4,697 |
| Noninterest income to average assets | 1.8681% | 343 |
| Noninterest expense to average assets | 3.8072% | 664 |
| Loan and lease loss provision to assets | 0.0878% | 2,329 |
| Net operating income to assets | 0.8719% | 3,169 |
| Return on assets (ROA) | 0.8436% | 3,353 |
| Pretax return on assets | 0.8436% | 4,228 |
| Return on Equity (ROE) | 10.0905% | 2,090 |
| Retained earnings to average equity (ytd only) | 10.0905% | 563 |
| Net charge-offs to loans | 0.1265% | 1,519 |
| Credit loss provision to net charge-offs | 145.5782% | 1,729 |
| Earnings coverage of net charge-offs (x) | 15.9112% | 2,200 |
| Efficiency ratio | 79.8674% | 1,121 |
| Assets per employee ($millions) | 2.7925% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,391 |
| Loan loss allowance to noncurrent loans | 626.2069% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 4,646 |
| Noncurrent loans to loans | 0.1786% | 4,352 |
| Net loans and leases to total assets | 50.0042% | 4,700 |
| Net loans and leases to deposits | 57.1765% | 4,807 |
| Net loans and leases to core deposits | 57.4329% | 4,934 |
| Total domestic deposits to total assets | 87.4559% | 1,640 |
| Equity capital to assets | 8.8308% | 5,050 |
| Core capital (leverage) ratio | 8.1027% | 5,474 |
| Tier 1 risk-based capital ratio | 14.9581% | 2,934 |
| Total risk-based capital ratio | 16.0058% | 2,966 |
| Memoranda: | ||
| Average total assets | $324,956,250 | 2,052 |
| Average earning assets | $303,227,000 | 2,043 |
| Average equity | $27,166,750 | 2,549 |
| Average total loans | $154,993,500 | 2,616 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1344% | 5,318 |
| Cost of funding earning assets | 0.0768% | 5,662 |
| Net interest margin | 3.0575% | 4,779 |
| Noninterest income to average assets | 1.8245% | 367 |
| Noninterest expense to average assets | 3.7771% | 690 |
| Loan and lease loss provision to assets | 0.0864% | 2,258 |
| Net operating income to assets | 0.8160% | 3,324 |
| Return on assets (ROA) | 0.7841% | 3,526 |
| Pretax return on assets | 0.7841% | 4,333 |
| Return on Equity (ROE) | 9.5557% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.5557% | 691 |
| Net charge-offs to loans | 0.1115% | 1,518 |
| Credit loss provision to net charge-offs | 165.8824% | 1,428 |
| Earnings coverage of net charge-offs (x) | 17.3176% | 1,929 |
| Efficiency ratio | 80.7153% | 1,135 |
| Assets per employee ($millions) | 2.9183% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 3,297 |
| Loan loss allowance to noncurrent loans | 624.9135% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,737 |
| Noncurrent loans to loans | 0.1846% | 4,376 |
| Net loans and leases to total assets | 46.9395% | 4,886 |
| Net loans and leases to deposits | 53.9526% | 4,964 |
| Net loans and leases to core deposits | 54.2419% | 5,079 |
| Total domestic deposits to total assets | 87.0013% | 1,957 |
| Equity capital to assets | 8.3687% | 5,369 |
| Core capital (leverage) ratio | 7.6344% | 5,625 |
| Tier 1 risk-based capital ratio | 14.7288% | 3,049 |
| Total risk-based capital ratio | 15.7884% | 3,067 |
| Memoranda: | ||
| Average total assets | $326,228,670 | 2,045 |
| Average earning assets | $304,624,330 | 2,030 |
| Average equity | $26,769,330 | 2,578 |
| Average total loans | $152,525,000 | 2,652 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0888% | 5,378 |
| Cost of funding earning assets | 0.0779% | 5,721 |
| Net interest margin | 3.0109% | 4,870 |
| Noninterest income to average assets | 1.7913% | 365 |
| Noninterest expense to average assets | 3.7810% | 695 |
| Loan and lease loss provision to assets | 0.0962% | 1,946 |
| Net operating income to assets | 0.7249% | 3,596 |
| Return on assets (ROA) | 0.7150% | 3,677 |
| Pretax return on assets | 0.7150% | 4,401 |
| Return on Equity (ROE) | 8.8027% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.8027% | 1,143 |
| Net charge-offs to loans | 0.0611% | 1,718 |
| Credit loss provision to net charge-offs | 339.1304% | 728 |
| Earnings coverage of net charge-offs (x) | 28.9565% | 1,239 |
| Efficiency ratio | 82.1591% | 1,143 |
| Assets per employee ($millions) | 3.0070% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,091 |
| Loan loss allowance to noncurrent loans | 440.8313% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,770 |
| Noncurrent loans to loans | 0.2738% | 4,126 |
| Net loans and leases to total assets | 44.2167% | 5,026 |
| Net loans and leases to deposits | 50.7088% | 5,086 |
| Net loans and leases to core deposits | 51.0209% | 5,187 |
| Total domestic deposits to total assets | 87.1972% | 2,110 |
| Equity capital to assets | 7.9998% | 5,517 |
| Core capital (leverage) ratio | 7.4830% | 5,709 |
| Tier 1 risk-based capital ratio | 13.6071% | 3,717 |
| Total risk-based capital ratio | 14.6194% | 3,770 |
| Memoranda: | ||
| Average total assets | $324,461,500 | 2,070 |
| Average earning assets | $302,901,000 | 2,056 |
| Average equity | $26,355,500 | 2,612 |
| Average total loans | $150,490,000 | 2,694 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 5,322 |
| Cost of funding earning assets | 0.0986% | 5,711 |
| Net interest margin | 3.0860% | 4,764 |
| Noninterest income to average assets | 1.9243% | 358 |
| Noninterest expense to average assets | 3.9938% | 603 |
| Loan and lease loss provision to assets | 0.0588% | 3,211 |
| Net operating income to assets | 0.7553% | 3,514 |
| Return on assets (ROA) | 0.7434% | 3,684 |
| Pretax return on assets | 0.7434% | 4,363 |
| Return on Equity (ROE) | 9.0579% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.0579% | 578 |
| Net charge-offs to loans | 0.1947% | 1,418 |
| Credit loss provision to net charge-offs | 62.1160% | 3,216 |
| Earnings coverage of net charge-offs (x) | 8.5973% | 2,855 |
| Efficiency ratio | 83.0667% | 1,092 |
| Assets per employee ($millions) | 2.7168% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,407 |
| Loan loss allowance to noncurrent loans | 408.6449% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 4,764 |
| Noncurrent loans to loans | 0.2823% | 4,145 |
| Net loans and leases to total assets | 47.5470% | 4,923 |
| Net loans and leases to deposits | 54.6758% | 4,980 |
| Net loans and leases to core deposits | 55.0834% | 5,096 |
| Total domestic deposits to total assets | 86.9618% | 2,169 |
| Equity capital to assets | 8.2532% | 5,444 |
| Core capital (leverage) ratio | 7.6865% | 5,709 |
| Tier 1 risk-based capital ratio | 13.1225% | 3,986 |
| Total risk-based capital ratio | 14.0951% | 4,066 |
| Memoranda: | ||
| Average total assets | $309,408,000 | 2,115 |
| Average earning assets | $289,109,600 | 2,109 |
| Average equity | $25,392,200 | 2,685 |
| Average total loans | $150,474,800 | 2,638 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1790% | 5,391 |
| Cost of funding earning assets | 0.1023% | 5,760 |
| Net interest margin | 3.0767% | 4,837 |
| Noninterest income to average assets | 1.9352% | 364 |
| Noninterest expense to average assets | 3.9487% | 630 |
| Loan and lease loss provision to assets | 0.0533% | 3,191 |
| Net operating income to assets | 0.8117% | 3,314 |
| Return on assets (ROA) | 0.7957% | 3,525 |
| Pretax return on assets | 0.7957% | 4,321 |
| Return on Equity (ROE) | 9.7101% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.7101% | 637 |
| Net charge-offs to loans | 0.1962% | 1,195 |
| Credit loss provision to net charge-offs | 55.6561% | 2,963 |
| Earnings coverage of net charge-offs (x) | 9.0407% | 2,713 |
| Efficiency ratio | 82.0308% | 1,185 |
| Assets per employee ($millions) | 2.5963% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,389 |
| Loan loss allowance to noncurrent loans | 361.0656% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 4,713 |
| Noncurrent loans to loans | 0.3260% | 4,091 |
| Net loans and leases to total assets | 48.2842% | 4,942 |
| Net loans and leases to deposits | 55.0248% | 5,051 |
| Net loans and leases to core deposits | 55.4965% | 5,171 |
| Total domestic deposits to total assets | 87.7500% | 1,531 |
| Equity capital to assets | 8.6018% | 5,472 |
| Core capital (leverage) ratio | 7.7393% | 5,779 |
| Tier 1 risk-based capital ratio | 13.3513% | 3,951 |
| Total risk-based capital ratio | 14.3500% | 4,010 |
| Memoranda: | ||
| Average total assets | $307,972,250 | 2,125 |
| Average earning assets | $288,137,750 | 2,120 |
| Average equity | $25,237,750 | 2,714 |
| Average total loans | $150,195,000 | 2,641 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1636% | 5,483 |
| Cost of funding earning assets | 0.1052% | 5,832 |
| Net interest margin | 3.0583% | 4,954 |
| Noninterest income to average assets | 1.8904% | 369 |
| Noninterest expense to average assets | 3.9487% | 632 |
| Loan and lease loss provision to assets | 0.0415% | 3,321 |
| Net operating income to assets | 0.7637% | 3,487 |
| Return on assets (ROA) | 0.7753% | 3,572 |
| Pretax return on assets | 0.7753% | 4,372 |
| Return on Equity (ROE) | 9.6196% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.6196% | 680 |
| Net charge-offs to loans | 0.1902% | 1,207 |
| Credit loss provision to net charge-offs | 44.7552% | 2,723 |
| Earnings coverage of net charge-offs (x) | 8.6853% | 2,498 |
| Efficiency ratio | 83.0629% | 1,136 |
| Assets per employee ($millions) | 2.5976% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 3,389 |
| Loan loss allowance to noncurrent loans | 353.8767% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 4,748 |
| Noncurrent loans to loans | 0.3381% | 4,153 |
| Net loans and leases to total assets | 47.5577% | 5,027 |
| Net loans and leases to deposits | 53.8456% | 5,146 |
| Net loans and leases to core deposits | 54.2993% | 5,261 |
| Total domestic deposits to total assets | 88.3222% | 1,262 |
| Equity capital to assets | 8.3165% | 5,689 |
| Core capital (leverage) ratio | 7.4272% | 5,891 |
| Tier 1 risk-based capital ratio | 12.9724% | 4,220 |
| Total risk-based capital ratio | 13.9815% | 4,266 |
| Memoranda: | ||
| Average total assets | $308,507,330 | 2,129 |
| Average earning assets | $288,849,670 | 2,119 |
| Average equity | $24,866,000 | 2,755 |
| Average total loans | $150,363,670 | 2,642 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1848% | 5,504 |
| Cost of funding earning assets | 0.1108% | 5,864 |
| Net interest margin | 3.0740% | 4,939 |
| Noninterest income to average assets | 1.8196% | 390 |
| Noninterest expense to average assets | 3.9285% | 663 |
| Loan and lease loss provision to assets | 0.0454% | 3,017 |
| Net operating income to assets | 0.7255% | 3,594 |
| Return on assets (ROA) | 0.7190% | 3,733 |
| Pretax return on assets | 0.7190% | 4,457 |
| Return on Equity (ROE) | 9.0651% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.0651% | 1,099 |
| Net charge-offs to loans | 0.2329% | 882 |
| Credit loss provision to net charge-offs | 39.7727% | 2,149 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,214 |
| Efficiency ratio | 83.5957% | 1,197 |
| Assets per employee ($millions) | 2.7406% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,480 |
| Loan loss allowance to noncurrent loans | 269.1505% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 4,696 |
| Noncurrent loans to loans | 0.4459% | 3,842 |
| Net loans and leases to total assets | 48.0124% | 4,966 |
| Net loans and leases to deposits | 53.6857% | 5,120 |
| Net loans and leases to core deposits | 54.1301% | 5,246 |
| Total domestic deposits to total assets | 89.4323% | 870 |
| Equity capital to assets | 8.0293% | 5,818 |
| Core capital (leverage) ratio | 7.2652% | 5,962 |
| Tier 1 risk-based capital ratio | 12.4315% | 4,630 |
| Total risk-based capital ratio | 13.4472% | 4,686 |
| Memoranda: | ||
| Average total assets | $308,206,500 | 2,142 |
| Average earning assets | $288,745,000 | 2,133 |
| Average equity | $24,445,500 | 2,792 |
| Average total loans | $151,153,000 | 2,632 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2143% | 5,501 |
| Cost of funding earning assets | 0.1382% | 5,766 |
| Net interest margin | 3.0761% | 4,958 |
| Noninterest income to average assets | 2.0079% | 357 |
| Noninterest expense to average assets | 3.8553% | 806 |
| Loan and lease loss provision to assets | 0.0892% | 2,517 |
| Net operating income to assets | 0.9474% | 2,628 |
| Return on assets (ROA) | 0.9174% | 2,860 |
| Pretax return on assets | 0.9184% | 3,773 |
| Return on Equity (ROE) | 10.7235% | 1,721 |
| Retained earnings to average equity (ytd only) | -8.5657% | 6,012 |
| Net charge-offs to loans | 0.1052% | 2,343 |
| Credit loss provision to net charge-offs | 167.2840% | 1,612 |
| Earnings coverage of net charge-offs (x) | 19.4630% | 1,946 |
| Efficiency ratio | 78.7948% | 1,845 |
| Assets per employee ($millions) | 2.3777% | 5,943 |
| Cash dividends to net income (ytd only)* | 179.8780% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 3,323 |
| Loan loss allowance to noncurrent loans | 272.3280% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 4,658 |
| Noncurrent loans to loans | 0.4499% | 3,860 |
| Net loans and leases to total assets | 48.8879% | 4,948 |
| Net loans and leases to deposits | 55.2550% | 5,094 |
| Net loans and leases to core deposits | 55.7211% | 5,217 |
| Total domestic deposits to total assets | 88.4769% | 1,393 |
| Equity capital to assets | 7.8328% | 5,909 |
| Core capital (leverage) ratio | 7.1292% | 6,032 |
| Tier 1 risk-based capital ratio | 11.9650% | 4,970 |
| Total risk-based capital ratio | 13.0049% | 5,021 |
| Memoranda: | ||
| Average total assets | $303,896,000 | 2,127 |
| Average earning assets | $285,006,800 | 2,104 |
| Average equity | $25,999,000 | 2,619 |
| Average total loans | $153,991,200 | 2,543 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2293% | 5,544 |
| Cost of funding earning assets | 0.1449% | 5,820 |
| Net interest margin | 3.0844% | 4,999 |
| Noninterest income to average assets | 2.0356% | 352 |
| Noninterest expense to average assets | 3.8883% | 757 |
| Loan and lease loss provision to assets | 0.0576% | 3,032 |
| Net operating income to assets | 0.9811% | 2,568 |
| Return on assets (ROA) | 0.9411% | 2,858 |
| Pretax return on assets | 0.9424% | 3,842 |
| Return on Equity (ROE) | 10.7701% | 1,795 |
| Retained earnings to average equity (ytd only) | -0.4379% | 5,681 |
| Net charge-offs to loans | 0.0854% | 2,323 |
| Credit loss provision to net charge-offs | 132.3232% | 1,855 |
| Earnings coverage of net charge-offs (x) | 23.8883% | 1,715 |
| Efficiency ratio | 78.8971% | 1,822 |
| Assets per employee ($millions) | 2.3652% | 6,029 |
| Cash dividends to net income (ytd only)* | 104.0655% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,923 |
| Loan loss allowance to noncurrent loans | 261.2006% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 4,847 |
| Noncurrent loans to loans | 0.4404% | 4,027 |
| Net loans and leases to total assets | 51.4421% | 4,804 |
| Net loans and leases to deposits | 58.4416% | 4,958 |
| Net loans and leases to core deposits | 59.0312% | 5,129 |
| Total domestic deposits to total assets | 88.0230% | 1,540 |
| Equity capital to assets | 8.8919% | 5,403 |
| Core capital (leverage) ratio | 7.9075% | 5,943 |
| Tier 1 risk-based capital ratio | 12.7645% | 4,570 |
| Total risk-based capital ratio | 13.7269% | 4,671 |
| Memoranda: | ||
| Average total assets | $303,189,000 | 2,143 |
| Average earning assets | $284,346,750 | 2,119 |
| Average equity | $26,492,500 | 2,612 |
| Average total loans | $154,536,250 | 2,551 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2040% | 5,617 |
| Cost of funding earning assets | 0.1523% | 5,828 |
| Net interest margin | 3.0517% | 5,090 |
| Noninterest income to average assets | 1.9369% | 388 |
| Noninterest expense to average assets | 3.8391% | 827 |
| Loan and lease loss provision to assets | 0.0164% | 3,796 |
| Net operating income to assets | 0.9445% | 2,665 |
| Return on assets (ROA) | 0.8848% | 3,081 |
| Pretax return on assets | 0.8862% | 4,003 |
| Return on Equity (ROE) | 10.1848% | 1,987 |
| Retained earnings to average equity (ytd only) | -6.6288% | 6,074 |
| Net charge-offs to loans | 0.0790% | 2,259 |
| Credit loss provision to net charge-offs | 40.9836% | 2,799 |
| Earnings coverage of net charge-offs (x) | 24.0492% | 1,583 |
| Efficiency ratio | 79.9590% | 1,770 |
| Assets per employee ($millions) | 2.3593% | 6,097 |
| Cash dividends to net income (ytd only)* | 165.0852% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 4,260 |
| Loan loss allowance to noncurrent loans | 244.3020% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 4,949 |
| Noncurrent loans to loans | 0.4555% | 4,111 |
| Net loans and leases to total assets | 50.4593% | 4,891 |
| Net loans and leases to deposits | 57.6788% | 5,017 |
| Net loans and leases to core deposits | 58.2556% | 5,179 |
| Total domestic deposits to total assets | 87.4833% | 1,915 |
| Equity capital to assets | 8.5110% | 5,676 |
| Core capital (leverage) ratio | 7.4796% | 6,103 |
| Tier 1 risk-based capital ratio | 12.3895% | 4,886 |
| Total risk-based capital ratio | 13.3182% | 4,994 |
| Memoranda: | ||
| Average total assets | $304,914,330 | 2,150 |
| Average earning assets | $286,204,330 | 2,121 |
| Average equity | $26,490,330 | 2,615 |
| Average total loans | $154,352,330 | 2,563 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2007% | 5,649 |
| Cost of funding earning assets | 0.1666% | 5,801 |
| Net interest margin | 3.0341% | 5,113 |
| Noninterest income to average assets | 1.7417% | 433 |
| Noninterest expense to average assets | 3.7928% | 884 |
| Loan and lease loss provision to assets | 0.0326% | 3,234 |
| Net operating income to assets | 0.7677% | 3,440 |
| Return on assets (ROA) | 0.7507% | 3,673 |
| Pretax return on assets | 0.7520% | 4,421 |
| Return on Equity (ROE) | 8.5553% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.5553% | 1,358 |
| Net charge-offs to loans | 0.0181% | 2,802 |
| Credit loss provision to net charge-offs | 357.1429% | 718 |
| Earnings coverage of net charge-offs (x) | 87.7143% | 548 |
| Efficiency ratio | 82.5519% | 1,555 |
| Assets per employee ($millions) | 2.3600% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 4,301 |
| Loan loss allowance to noncurrent loans | 342.1663% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 5,300 |
| Noncurrent loans to loans | 0.3340% | 4,590 |
| Net loans and leases to total assets | 48.7586% | 4,956 |
| Net loans and leases to deposits | 56.0796% | 5,043 |
| Net loans and leases to core deposits | 56.6765% | 5,209 |
| Total domestic deposits to total assets | 86.9454% | 2,403 |
| Equity capital to assets | 8.6937% | 5,580 |
| Core capital (leverage) ratio | 7.9493% | 5,969 |
| Tier 1 risk-based capital ratio | 13.2545% | 4,461 |
| Total risk-based capital ratio | 14.2117% | 4,537 |
| Memoranda: | ||
| Average total assets | $306,373,500 | 2,159 |
| Average earning assets | $288,062,500 | 2,125 |
| Average equity | $26,884,000 | 2,593 |
| Average total loans | $154,478,500 | 2,560 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2237% | 5,806 |
| Cost of funding earning assets | 0.2011% | 5,735 |
| Net interest margin | 3.0226% | 5,399 |
| Noninterest income to average assets | 2.1185% | 312 |
| Noninterest expense to average assets | 3.9264% | 829 |
| Loan and lease loss provision to assets | 0.0879% | 2,711 |
| Net operating income to assets | 0.9435% | 2,656 |
| Return on assets (ROA) | 0.9492% | 2,718 |
| Pretax return on assets | 0.9532% | 3,673 |
| Return on Equity (ROE) | 10.7791% | 1,793 |
| Retained earnings to average equity (ytd only) | -1.1460% | 5,939 |
| Net charge-offs to loans | 0.1754% | 2,268 |
| Credit loss provision to net charge-offs | 99.2481% | 2,449 |
| Earnings coverage of net charge-offs (x) | 11.6880% | 2,463 |
| Efficiency ratio | 79.1314% | 2,046 |
| Assets per employee ($millions) | 2.1975% | 6,311 |
| Cash dividends to net income (ytd only)* | 110.6316% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 4,361 |
| Loan loss allowance to noncurrent loans | 382.3144% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 5,416 |
| Noncurrent loans to loans | 0.2971% | 4,784 |
| Net loans and leases to total assets | 50.9904% | 4,871 |
| Net loans and leases to deposits | 59.4157% | 4,952 |
| Net loans and leases to core deposits | 59.9696% | 5,145 |
| Total domestic deposits to total assets | 85.8197% | 2,934 |
| Equity capital to assets | 8.8602% | 5,421 |
| Core capital (leverage) ratio | 7.9647% | 6,021 |
| Tier 1 risk-based capital ratio | 13.5128% | 4,406 |
| Total risk-based capital ratio | 14.5064% | 4,484 |
| Memoranda: | ||
| Average total assets | $300,252,800 | 2,159 |
| Average earning assets | $282,436,400 | 2,110 |
| Average equity | $26,440,000 | 2,531 |
| Average total loans | $151,671,400 | 2,550 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2136% | 5,886 |
| Cost of funding earning assets | 0.2043% | 5,783 |
| Net interest margin | 3.0093% | 5,484 |
| Noninterest income to average assets | 2.1796% | 300 |
| Noninterest expense to average assets | 3.8868% | 861 |
| Loan and lease loss provision to assets | 0.0949% | 2,467 |
| Net operating income to assets | 1.0210% | 2,361 |
| Return on assets (ROA) | 1.0210% | 2,417 |
| Pretax return on assets | 1.0264% | 3,487 |
| Return on Equity (ROE) | 11.6128% | 1,589 |
| Retained earnings to average equity (ytd only) | -4.2930% | 6,225 |
| Net charge-offs to loans | 0.1995% | 1,866 |
| Credit loss provision to net charge-offs | 94.6903% | 2,346 |
| Earnings coverage of net charge-offs (x) | 11.1857% | 2,455 |
| Efficiency ratio | 77.6105% | 2,249 |
| Assets per employee ($millions) | 2.1999% | 6,382 |
| Cash dividends to net income (ytd only)* | 136.9675% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 4,444 |
| Loan loss allowance to noncurrent loans | 448.7113% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 5,649 |
| Noncurrent loans to loans | 0.2586% | 5,132 |
| Net loans and leases to total assets | 49.9428% | 5,017 |
| Net loans and leases to deposits | 58.4343% | 5,070 |
| Net loans and leases to core deposits | 59.2290% | 5,246 |
| Total domestic deposits to total assets | 85.4683% | 3,125 |
| Equity capital to assets | 8.7602% | 5,585 |
| Core capital (leverage) ratio | 7.9004% | 6,132 |
| Tier 1 risk-based capital ratio | 13.4043% | 4,601 |
| Total risk-based capital ratio | 14.4049% | 4,694 |
| Memoranda: | ||
| Average total assets | $300,599,500 | 2,172 |
| Average earning assets | $282,543,250 | 2,125 |
| Average equity | $26,430,000 | 2,534 |
| Average total loans | $151,053,250 | 2,562 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2079% | 5,935 |
| Cost of funding earning assets | 0.2077% | 5,851 |
| Net interest margin | 3.0002% | 5,525 |
| Noninterest income to average assets | 2.1034% | 322 |
| Noninterest expense to average assets | 3.8237% | 941 |
| Loan and lease loss provision to assets | 0.0504% | 3,295 |
| Net operating income to assets | 1.0378% | 2,177 |
| Return on assets (ROA) | 1.0378% | 2,243 |
| Pretax return on assets | 1.0437% | 3,305 |
| Return on Equity (ROE) | 11.7888% | 1,484 |
| Retained earnings to average equity (ytd only) | -11.9469% | 6,454 |
| Net charge-offs to loans | 0.0846% | 2,843 |
| Credit loss provision to net charge-offs | 118.7500% | 1,735 |
| Earnings coverage of net charge-offs (x) | 25.7969% | 1,394 |
| Efficiency ratio | 77.7523% | 2,330 |
| Assets per employee ($millions) | 2.2174% | 6,434 |
| Cash dividends to net income (ytd only)* | 201.3410% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 4,588 |
| Loan loss allowance to noncurrent loans | 431.5403% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 5,744 |
| Noncurrent loans to loans | 0.2701% | 5,205 |
| Net loans and leases to total assets | 50.0042% | 4,962 |
| Net loans and leases to deposits | 57.3185% | 5,096 |
| Net loans and leases to core deposits | 58.0750% | 5,269 |
| Total domestic deposits to total assets | 87.2392% | 2,329 |
| Equity capital to assets | 8.4965% | 5,802 |
| Core capital (leverage) ratio | 7.5752% | 6,289 |
| Tier 1 risk-based capital ratio | 13.1039% | 4,847 |
| Total risk-based capital ratio | 14.1270% | 4,927 |
| Memoranda: | ||
| Average total assets | $301,802,000 | 2,158 |
| Average earning assets | $283,117,670 | 2,116 |
| Average equity | $26,567,670 | 2,516 |
| Average total loans | $151,382,000 | 2,556 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1819% | 6,030 |
| Cost of funding earning assets | 0.2129% | 5,898 |
| Net interest margin | 2.9690% | 5,599 |
| Noninterest income to average assets | 1.8836% | 372 |
| Noninterest expense to average assets | 3.8940% | 869 |
| Loan and lease loss provision to assets | 0.0502% | 3,098 |
| Net operating income to assets | 0.7141% | 3,611 |
| Return on assets (ROA) | 0.7141% | 3,698 |
| Pretax return on assets | 0.7194% | 4,418 |
| Return on Equity (ROE) | 7.9751% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.9751% | 1,606 |
| Net charge-offs to loans | 0.0476% | 2,721 |
| Credit loss provision to net charge-offs | 211.1111% | 997 |
| Earnings coverage of net charge-offs (x) | 32.3889% | 1,001 |
| Efficiency ratio | 83.4984% | 1,733 |
| Assets per employee ($millions) | 2.2895% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 4,769 |
| Loan loss allowance to noncurrent loans | 397.7578% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 5,812 |
| Noncurrent loans to loans | 0.2945% | 5,235 |
| Net loans and leases to total assets | 48.4205% | 5,069 |
| Net loans and leases to deposits | 56.3629% | 5,082 |
| Net loans and leases to core deposits | 57.0374% | 5,277 |
| Total domestic deposits to total assets | 85.9084% | 3,410 |
| Equity capital to assets | 8.8884% | 5,238 |
| Core capital (leverage) ratio | 8.2393% | 5,898 |
| Tier 1 risk-based capital ratio | 14.4304% | 4,040 |
| Total risk-based capital ratio | 15.4726% | 4,125 |
| Memoranda: | ||
| Average total assets | $303,029,500 | 2,162 |
| Average earning assets | $283,733,500 | 2,117 |
| Average equity | $27,134,500 | 2,460 |
| Average total loans | $151,347,500 | 2,561 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 5,804 |
| Cost of funding earning assets | 0.2307% | 6,090 |
| Net interest margin | 3.1877% | 5,041 |
| Noninterest income to average assets | 2.2414% | 336 |
| Noninterest expense to average assets | 3.9751% | 897 |
| Loan and lease loss provision to assets | 0.0988% | 3,150 |
| Net operating income to assets | 1.1453% | 1,773 |
| Return on assets (ROA) | 1.1764% | 1,715 |
| Pretax return on assets | 1.1814% | 2,650 |
| Return on Equity (ROE) | 13.4747% | 1,075 |
| Retained earnings to average equity (ytd only) | 9.7804% | 596 |
| Net charge-offs to loans | 0.0936% | 3,911 |
| Credit loss provision to net charge-offs | 210.7914% | 1,092 |
| Earnings coverage of net charge-offs (x) | 26.6403% | 1,287 |
| Efficiency ratio | 76.0881% | 2,755 |
| Assets per employee ($millions) | 2.1520% | 6,588 |
| Cash dividends to net income (ytd only)* | 27.4161% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 4,870 |
| Loan loss allowance to noncurrent loans | 957.9235% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 6,133 |
| Noncurrent loans to loans | 0.1210% | 5,838 |
| Net loans and leases to total assets | 50.3436% | 5,045 |
| Net loans and leases to deposits | 59.8583% | 4,949 |
| Net loans and leases to core deposits | 60.6191% | 5,173 |
| Total domestic deposits to total assets | 84.1047% | 4,122 |
| Equity capital to assets | 9.0231% | 5,009 |
| Core capital (leverage) ratio | 8.3049% | 5,869 |
| Tier 1 risk-based capital ratio | 14.0972% | 4,231 |
| Total risk-based capital ratio | 15.1315% | 4,319 |
| Memoranda: | ||
| Average total assets | $296,417,600 | 2,163 |
| Average earning assets | $277,380,400 | 2,129 |
| Average equity | $25,878,200 | 2,559 |
| Average total loans | $148,531,400 | 2,579 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4289% | 5,820 |
| Cost of funding earning assets | 0.2334% | 6,201 |
| Net interest margin | 3.1955% | 5,014 |
| Noninterest income to average assets | 2.2726% | 342 |
| Noninterest expense to average assets | 4.1307% | 739 |
| Loan and lease loss provision to assets | 0.1040% | 3,030 |
| Net operating income to assets | 1.0268% | 2,269 |
| Return on assets (ROA) | 1.0620% | 2,230 |
| Pretax return on assets | 1.0679% | 3,231 |
| Return on Equity (ROE) | 12.2681% | 1,401 |
| Retained earnings to average equity (ytd only) | 7.2985% | 1,735 |
| Net charge-offs to loans | 0.0577% | 4,078 |
| Credit loss provision to net charge-offs | 360.9375% | 728 |
| Earnings coverage of net charge-offs (x) | 39.4537% | 1,013 |
| Efficiency ratio | 78.4262% | 2,352 |
| Assets per employee ($millions) | 2.1105% | 6,672 |
| Cash dividends to net income (ytd only)* | 40.5083% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 4,980 |
| Loan loss allowance to noncurrent loans | 649.6324% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 6,157 |
| Noncurrent loans to loans | 0.1811% | 5,785 |
| Net loans and leases to total assets | 51.3343% | 4,957 |
| Net loans and leases to deposits | 59.8634% | 4,989 |
| Net loans and leases to core deposits | 60.5660% | 5,251 |
| Total domestic deposits to total assets | 85.7524% | 3,378 |
| Equity capital to assets | 8.9145% | 5,287 |
| Core capital (leverage) ratio | 7.9240% | 6,265 |
| Tier 1 risk-based capital ratio | 13.1186% | 5,041 |
| Total risk-based capital ratio | 14.1319% | 5,141 |
| Memoranda: | ||
| Average total assets | $296,276,750 | 2,177 |
| Average earning assets | $277,632,250 | 2,137 |
| Average equity | $25,648,500 | 2,604 |
| Average total loans | $147,848,250 | 2,601 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4099% | 5,884 |
| Cost of funding earning assets | 0.2348% | 6,271 |
| Net interest margin | 3.1751% | 5,029 |
| Noninterest income to average assets | 2.2528% | 371 |
| Noninterest expense to average assets | 4.1164% | 763 |
| Loan and lease loss provision to assets | 0.0877% | 3,327 |
| Net operating income to assets | 1.0219% | 2,233 |
| Return on assets (ROA) | 1.0748% | 2,131 |
| Pretax return on assets | 1.0802% | 3,172 |
| Return on Equity (ROE) | 12.5360% | 1,354 |
| Retained earnings to average equity (ytd only) | 5.0691% | 3,006 |
| Net charge-offs to loans | 0.0816% | 3,551 |
| Credit loss provision to net charge-offs | 218.3333% | 1,111 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 1,209 |
| Efficiency ratio | 78.6866% | 2,353 |
| Assets per employee ($millions) | 2.0895% | 6,722 |
| Cash dividends to net income (ytd only)* | 59.5639% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 5,413 |
| Loan loss allowance to noncurrent loans | 977.7778% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 6,324 |
| Noncurrent loans to loans | 0.1132% | 6,055 |
| Net loans and leases to total assets | 51.0490% | 4,992 |
| Net loans and leases to deposits | 59.6301% | 5,011 |
| Net loans and leases to core deposits | 60.3216% | 5,236 |
| Total domestic deposits to total assets | 85.6094% | 3,574 |
| Equity capital to assets | 8.5852% | 5,684 |
| Core capital (leverage) ratio | 7.6013% | 6,415 |
| Tier 1 risk-based capital ratio | 12.6310% | 5,408 |
| Total risk-based capital ratio | 13.5893% | 5,550 |
| Memoranda: | ||
| Average total assets | $298,657,000 | 2,172 |
| Average earning assets | $280,182,670 | 2,128 |
| Average equity | $25,606,330 | 2,614 |
| Average total loans | $147,066,670 | 2,619 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4171% | 5,903 |
| Cost of funding earning assets | 0.2402% | 6,349 |
| Net interest margin | 3.1769% | 5,010 |
| Noninterest income to average assets | 2.2763% | 361 |
| Noninterest expense to average assets | 4.1601% | 748 |
| Loan and lease loss provision to assets | 0.1074% | 2,904 |
| Net operating income to assets | 0.9673% | 2,360 |
| Return on assets (ROA) | 1.0513% | 2,139 |
| Pretax return on assets | 1.0566% | 3,121 |
| Return on Equity (ROE) | 12.2696% | 1,357 |
| Retained earnings to average equity (ytd only) | 12.2696% | 662 |
| Net charge-offs to loans | -0.0441% | 6,079 |
| Credit loss provision to net charge-offs | -506.2500% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4028% | 2,414 |
| Assets per employee ($millions) | 2.1944% | 6,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 5,258 |
| Loan loss allowance to noncurrent loans | 681.9277% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,199 |
| Noncurrent loans to loans | 0.1733% | 5,969 |
| Net loans and leases to total assets | 46.8887% | 5,342 |
| Net loans and leases to deposits | 54.2484% | 5,415 |
| Net loans and leases to core deposits | 54.6882% | 5,628 |
| Total domestic deposits to total assets | 86.4332% | 3,285 |
| Equity capital to assets | 8.6263% | 5,885 |
| Core capital (leverage) ratio | 7.7541% | 6,323 |
| Tier 1 risk-based capital ratio | 13.4323% | 4,921 |
| Total risk-based capital ratio | 14.4992% | 4,992 |
| Memoranda: | ||
| Average total assets | $301,723,000 | 2,179 |
| Average earning assets | $281,409,000 | 2,140 |
| Average equity | $25,852,500 | 2,625 |
| Average total loans | $145,098,500 | 2,649 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 6,027 |
| Cost of funding earning assets | 0.3191% | 6,361 |
| Net interest margin | 3.3913% | 4,916 |
| Noninterest income to average assets | 2.2224% | 376 |
| Noninterest expense to average assets | 4.0501% | 920 |
| Loan and lease loss provision to assets | 0.0773% | 4,742 |
| Net operating income to assets | 1.2639% | 1,412 |
| Return on assets (ROA) | 1.3514% | 1,319 |
| Pretax return on assets | 1.3565% | 2,189 |
| Return on Equity (ROE) | 15.2532% | 766 |
| Retained earnings to average equity (ytd only) | 0.3291% | 5,687 |
| Net charge-offs to loans | 0.2110% | 3,702 |
| Credit loss provision to net charge-offs | 77.0270% | 3,927 |
| Earnings coverage of net charge-offs (x) | 13.4155% | 1,827 |
| Efficiency ratio | 75.0518% | 2,900 |
| Assets per employee ($millions) | 2.1170% | 6,870 |
| Cash dividends to net income (ytd only)* | 97.8424% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 5,585 |
| Loan loss allowance to noncurrent loans | 780.4878% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 6,285 |
| Noncurrent loans to loans | 0.1399% | 6,134 |
| Net loans and leases to total assets | 48.2030% | 5,394 |
| Net loans and leases to deposits | 56.8236% | 5,357 |
| Net loans and leases to core deposits | 57.2954% | 5,607 |
| Total domestic deposits to total assets | 84.8293% | 3,931 |
| Equity capital to assets | 8.5098% | 6,041 |
| Core capital (leverage) ratio | 7.5498% | 6,474 |
| Tier 1 risk-based capital ratio | 11.1712% | 6,282 |
| Total risk-based capital ratio | 12.0763% | 6,390 |
| Memoranda: | ||
| Average total assets | $294,956,200 | 2,174 |
| Average earning assets | $276,060,600 | 2,122 |
| Average equity | $26,132,200 | 2,555 |
| Average total loans | $140,314,400 | 2,712 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7273% | 6,179 |
| Cost of funding earning assets | 0.3316% | 6,458 |
| Net interest margin | 3.3957% | 5,048 |
| Noninterest income to average assets | 2.2079% | 369 |
| Noninterest expense to average assets | 3.9943% | 938 |
| Loan and lease loss provision to assets | 0.0531% | 5,085 |
| Net operating income to assets | 1.3454% | 1,340 |
| Return on assets (ROA) | 1.3613% | 1,440 |
| Pretax return on assets | 1.3672% | 2,352 |
| Return on Equity (ROE) | 15.2110% | 863 |
| Retained earnings to average equity (ytd only) | 5.5677% | 2,991 |
| Net charge-offs to loans | 0.1576% | 3,859 |
| Credit loss provision to net charge-offs | 71.3415% | 3,873 |
| Earnings coverage of net charge-offs (x) | 18.8537% | 1,528 |
| Efficiency ratio | 73.9862% | 2,985 |
| Assets per employee ($millions) | 2.0614% | 6,981 |
| Cash dividends to net income (ytd only)* | 63.3967% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,403 |
| Loan loss allowance to noncurrent loans | 363.6771% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 6,030 |
| Noncurrent loans to loans | 0.3231% | 5,831 |
| Net loans and leases to total assets | 46.9276% | 5,667 |
| Net loans and leases to deposits | 55.2320% | 5,696 |
| Net loans and leases to core deposits | 55.7041% | 5,914 |
| Total domestic deposits to total assets | 84.9646% | 3,759 |
| Equity capital to assets | 9.2763% | 5,498 |
| Core capital (leverage) ratio | 8.0293% | 6,301 |
| Tier 1 risk-based capital ratio | 12.8294% | 5,388 |
| Total risk-based capital ratio | 13.9472% | 5,450 |
| Memoranda: | ||
| Average total assets | $293,540,750 | 2,205 |
| Average earning assets | $275,833,750 | 2,152 |
| Average equity | $26,269,750 | 2,561 |
| Average total loans | $138,766,250 | 2,762 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 6,220 |
| Cost of funding earning assets | 0.3434% | 6,539 |
| Net interest margin | 3.4197% | 5,006 |
| Noninterest income to average assets | 2.1141% | 371 |
| Noninterest expense to average assets | 3.9748% | 973 |
| Loan and lease loss provision to assets | 0.0469% | 5,089 |
| Net operating income to assets | 1.2980% | 1,449 |
| Return on assets (ROA) | 1.3215% | 1,537 |
| Pretax return on assets | 1.3283% | 2,454 |
| Return on Equity (ROE) | 14.9468% | 947 |
| Retained earnings to average equity (ytd only) | 5.7299% | 2,865 |
| Net charge-offs to loans | 0.0158% | 5,200 |
| Credit loss provision to net charge-offs | 627.2727% | 501 |
| Earnings coverage of net charge-offs (x) | 180.9091% | 252 |
| Efficiency ratio | 74.6271% | 2,963 |
| Assets per employee ($millions) | 2.0834% | 7,024 |
| Cash dividends to net income (ytd only)* | 61.6650% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 5,196 |
| Loan loss allowance to noncurrent loans | 371.1828% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 6,087 |
| Noncurrent loans to loans | 0.3321% | 5,886 |
| Net loans and leases to total assets | 47.0716% | 5,714 |
| Net loans and leases to deposits | 55.0158% | 5,767 |
| Net loans and leases to core deposits | 55.5611% | 5,976 |
| Total domestic deposits to total assets | 85.5602% | 3,583 |
| Equity capital to assets | 8.9759% | 5,720 |
| Core capital (leverage) ratio | 7.8255% | 6,427 |
| Tier 1 risk-based capital ratio | 12.4639% | 5,595 |
| Total risk-based capital ratio | 13.5629% | 5,690 |
| Memoranda: | ||
| Average total assets | $294,503,000 | 2,193 |
| Average earning assets | $276,635,330 | 2,139 |
| Average equity | $26,039,000 | 2,566 |
| Average total loans | $139,015,330 | 2,777 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 6,311 |
| Cost of funding earning assets | 0.3634% | 6,582 |
| Net interest margin | 3.4049% | 5,101 |
| Noninterest income to average assets | 2.0389% | 397 |
| Noninterest expense to average assets | 3.9163% | 1,044 |
| Loan and lease loss provision to assets | 0.0746% | 4,463 |
| Net operating income to assets | 1.2439% | 1,621 |
| Return on assets (ROA) | 1.2439% | 1,797 |
| Pretax return on assets | 1.2507% | 2,721 |
| Return on Equity (ROE) | 14.1761% | 1,155 |
| Retained earnings to average equity (ytd only) | 14.1761% | 550 |
| Net charge-offs to loans | 0.0404% | 4,132 |
| Credit loss provision to net charge-offs | 392.8571% | 798 |
| Earnings coverage of net charge-offs (x) | 69.7857% | 481 |
| Efficiency ratio | 74.7153% | 2,990 |
| Assets per employee ($millions) | 2.1124% | 7,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 5,362 |
| Loan loss allowance to noncurrent loans | 288.6824% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 6,035 |
| Noncurrent loans to loans | 0.4258% | 5,817 |
| Net loans and leases to total assets | 46.4375% | 5,736 |
| Net loans and leases to deposits | 53.7568% | 5,830 |
| Net loans and leases to core deposits | 54.1116% | 6,048 |
| Total domestic deposits to total assets | 86.3843% | 3,313 |
| Equity capital to assets | 8.9087% | 5,629 |
| Core capital (leverage) ratio | 7.7464% | 6,452 |
| Tier 1 risk-based capital ratio | 12.5686% | 5,547 |
| Total risk-based capital ratio | 13.6320% | 5,656 |
| Memoranda: | ||
| Average total assets | $294,872,000 | 2,204 |
| Average earning assets | $277,363,500 | 2,145 |
| Average equity | $25,874,500 | 2,578 |
| Average total loans | $138,520,000 | 2,803 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 6,051 |
| Cost of funding earning assets | 0.5146% | 6,472 |
| Net interest margin | 3.6858% | 4,364 |
| Noninterest income to average assets | 2.1209% | 340 |
| Noninterest expense to average assets | 4.0172% | 1,016 |
| Loan and lease loss provision to assets | 0.1398% | 4,871 |
| Net operating income to assets | 1.4207% | 988 |
| Return on assets (ROA) | 1.5441% | 815 |
| Pretax return on assets | 1.5490% | 1,342 |
| Return on Equity (ROE) | 16.6210% | 518 |
| Retained earnings to average equity (ytd only) | -0.1647% | 5,877 |
| Net charge-offs to loans | 0.1708% | 4,791 |
| Credit loss provision to net charge-offs | 168.2008% | 1,604 |
| Earnings coverage of net charge-offs (x) | 18.8368% | 1,193 |
| Efficiency ratio | 71.9606% | 3,587 |
| Assets per employee ($millions) | 2.0560% | 7,142 |
| Cash dividends to net income (ytd only)* | 100.9908% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 5,350 |
| Loan loss allowance to noncurrent loans | 166.1355% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 6,096 |
| Noncurrent loans to loans | 0.7275% | 5,243 |
| Net loans and leases to total assets | 46.3697% | 5,986 |
| Net loans and leases to deposits | 53.9489% | 6,073 |
| Net loans and leases to core deposits | 54.3968% | 6,271 |
| Total domestic deposits to total assets | 85.9512% | 3,349 |
| Equity capital to assets | 8.6402% | 5,971 |
| Core capital (leverage) ratio | 7.4299% | 6,686 |
| Tier 1 risk-based capital ratio | 12.0751% | 5,780 |
| Total risk-based capital ratio | 13.0932% | 5,916 |
| Memoranda: | ||
| Average total assets | $287,612,000 | 2,212 |
| Average earning assets | $270,120,600 | 2,163 |
| Average equity | $26,719,200 | 2,418 |
| Average total loans | $139,954,400 | 2,786 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 6,048 |
| Cost of funding earning assets | 0.5480% | 6,521 |
| Net interest margin | 3.7162% | 4,263 |
| Noninterest income to average assets | 2.0745% | 359 |
| Noninterest expense to average assets | 3.9937% | 1,007 |
| Loan and lease loss provision to assets | 0.1338% | 4,759 |
| Net operating income to assets | 1.4325% | 1,093 |
| Return on assets (ROA) | 1.4433% | 1,146 |
| Pretax return on assets | 1.4475% | 1,793 |
| Return on Equity (ROE) | 15.2612% | 794 |
| Retained earnings to average equity (ytd only) | 15.2612% | 215 |
| Net charge-offs to loans | 0.1728% | 4,419 |
| Credit loss provision to net charge-offs | 157.6923% | 1,968 |
| Earnings coverage of net charge-offs (x) | 18.5110% | 1,303 |
| Efficiency ratio | 71.7745% | 3,597 |
| Assets per employee ($millions) | 2.1986% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 5,687 |
| Loan loss allowance to noncurrent loans | 275.2137% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 6,552 |
| Noncurrent loans to loans | 0.4173% | 6,006 |
| Net loans and leases to total assets | 46.0031% | 6,149 |
| Net loans and leases to deposits | 53.7955% | 6,228 |
| Net loans and leases to core deposits | 54.3383% | 6,439 |
| Total domestic deposits to total assets | 85.5148% | 3,484 |
| Equity capital to assets | 9.6248% | 4,898 |
| Core capital (leverage) ratio | 8.9208% | 5,065 |
| Tier 1 risk-based capital ratio | 13.6625% | 4,607 |
| Total risk-based capital ratio | 14.7069% | 4,736 |
| Memoranda: | ||
| Average total assets | $286,012,250 | 2,230 |
| Average earning assets | $268,582,000 | 2,186 |
| Average equity | $27,048,250 | 2,393 |
| Average total loans | $140,443,000 | 2,803 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 5,979 |
| Cost of funding earning assets | 0.5858% | 6,519 |
| Net interest margin | 3.7272% | 4,139 |
| Noninterest income to average assets | 2.0296% | 356 |
| Noninterest expense to average assets | 4.1332% | 887 |
| Loan and lease loss provision to assets | 0.1424% | 4,522 |
| Net operating income to assets | 1.2515% | 1,440 |
| Return on assets (ROA) | 1.2679% | 1,465 |
| Pretax return on assets | 1.2714% | 2,237 |
| Return on Equity (ROE) | 13.4921% | 1,090 |
| Retained earnings to average equity (ytd only) | 13.4921% | 355 |
| Net charge-offs to loans | 0.2177% | 3,826 |
| Credit loss provision to net charge-offs | 130.7190% | 2,337 |
| Earnings coverage of net charge-offs (x) | 12.8301% | 1,596 |
| Efficiency ratio | 74.7329% | 3,235 |
| Assets per employee ($millions) | 2.0706% | 7,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,969 |
| Loan loss allowance to noncurrent loans | 173.9910% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 6,343 |
| Noncurrent loans to loans | 0.6307% | 5,662 |
| Net loans and leases to total assets | 47.9108% | 6,059 |
| Net loans and leases to deposits | 55.6617% | 6,166 |
| Net loans and leases to core deposits | 56.2364% | 6,398 |
| Total domestic deposits to total assets | 86.0750% | 3,284 |
| Equity capital to assets | 9.4082% | 4,962 |
| Core capital (leverage) ratio | 8.4417% | 5,643 |
| Tier 1 risk-based capital ratio | 12.9217% | 4,981 |
| Total risk-based capital ratio | 13.8774% | 5,205 |
| Memoranda: | ||
| Average total assets | $280,946,330 | 2,282 |
| Average earning assets | $263,900,330 | 2,223 |
| Average equity | $26,400,670 | 2,434 |
| Average total loans | $140,532,000 | 2,836 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 5,624 |
| Cost of funding earning assets | 0.6191% | 6,527 |
| Net interest margin | 3.7996% | 3,623 |
| Noninterest income to average assets | 1.9895% | 354 |
| Noninterest expense to average assets | 4.2549% | 764 |
| Loan and lease loss provision to assets | 0.1409% | 4,245 |
| Net operating income to assets | 1.1559% | 1,643 |
| Return on assets (ROA) | 1.1893% | 1,597 |
| Pretax return on assets | 1.1923% | 2,400 |
| Return on Equity (ROE) | 12.6645% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.6645% | 643 |
| Net charge-offs to loans | 0.1628% | 3,507 |
| Credit loss provision to net charge-offs | 170.1754% | 1,699 |
| Earnings coverage of net charge-offs (x) | 15.7018% | 1,304 |
| Efficiency ratio | 76.6013% | 3,051 |
| Assets per employee ($millions) | 2.0213% | 7,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,992 |
| Loan loss allowance to noncurrent loans | 175.9681% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 6,323 |
| Noncurrent loans to loans | 0.6333% | 5,769 |
| Net loans and leases to total assets | 48.7945% | 5,978 |
| Net loans and leases to deposits | 56.5051% | 6,085 |
| Net loans and leases to core deposits | 57.1139% | 6,336 |
| Total domestic deposits to total assets | 86.3541% | 3,304 |
| Equity capital to assets | 9.3215% | 4,692 |
| Core capital (leverage) ratio | 8.2995% | 5,813 |
| Tier 1 risk-based capital ratio | 13.2714% | 4,603 |
| Total risk-based capital ratio | 14.2052% | 4,847 |
| Memoranda: | ||
| Average total assets | $275,445,000 | 2,344 |
| Average earning assets | $258,448,500 | 2,283 |
| Average equity | $25,867,500 | 2,464 |
| Average total loans | $140,084,500 | 2,886 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 5,514 |
| Cost of funding earning assets | 0.7451% | 6,753 |
| Net interest margin | 4.0279% | 2,891 |
| Noninterest income to average assets | 2.2867% | 319 |
| Noninterest expense to average assets | 4.3490% | 766 |
| Loan and lease loss provision to assets | 0.1015% | 6,129 |
| Net operating income to assets | 1.6015% | 617 |
| Return on assets (ROA) | 1.8347% | 417 |
| Pretax return on assets | 1.8413% | 697 |
| Return on Equity (ROE) | 18.6840% | 329 |
| Retained earnings to average equity (ytd only) | -3.2543% | 6,125 |
| Net charge-offs to loans | 0.0591% | 6,202 |
| Credit loss provision to net charge-offs | 343.7500% | 748 |
| Earnings coverage of net charge-offs (x) | 57.9125% | 404 |
| Efficiency ratio | 71.7827% | 3,838 |
| Assets per employee ($millions) | 1.9144% | 7,453 |
| Cash dividends to net income (ytd only)* | 117.4175% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 6,095 |
| Loan loss allowance to noncurrent loans | 153.2587% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 6,315 |
| Noncurrent loans to loans | 0.6939% | 5,659 |
| Net loans and leases to total assets | 51.8750% | 5,926 |
| Net loans and leases to deposits | 60.8020% | 5,972 |
| Net loans and leases to core deposits | 61.3850% | 6,286 |
| Total domestic deposits to total assets | 85.3178% | 3,710 |
| Equity capital to assets | 9.4637% | 4,448 |
| Core capital (leverage) ratio | 8.1865% | 5,847 |
| Tier 1 risk-based capital ratio | 12.6550% | 4,890 |
| Total risk-based capital ratio | 13.5487% | 5,174 |
| Memoranda: | ||
| Average total assets | $271,002,000 | 2,352 |
| Average earning assets | $253,780,000 | 2,309 |
| Average equity | $26,611,000 | 2,406 |
| Average total loans | $135,454,400 | 3,025 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 5,646 |
| Cost of funding earning assets | 0.7651% | 6,865 |
| Net interest margin | 4.0383% | 2,915 |
| Noninterest income to average assets | 2.0122% | 373 |
| Noninterest expense to average assets | 4.2053% | 818 |
| Loan and lease loss provision to assets | 0.0786% | 6,259 |
| Net operating income to assets | 1.4991% | 928 |
| Return on assets (ROA) | 1.5733% | 856 |
| Pretax return on assets | 1.5797% | 1,395 |
| Return on Equity (ROE) | 15.8790% | 719 |
| Retained earnings to average equity (ytd only) | 0.9971% | 5,412 |
| Net charge-offs to loans | 0.0916% | 5,606 |
| Credit loss provision to net charge-offs | 173.9130% | 2,115 |
| Earnings coverage of net charge-offs (x) | 35.0337% | 771 |
| Efficiency ratio | 72.6377% | 3,582 |
| Assets per employee ($millions) | 1.8584% | 7,562 |
| Cash dividends to net income (ytd only)* | 93.7208% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 6,284 |
| Loan loss allowance to noncurrent loans | 122.0549% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 6,325 |
| Noncurrent loans to loans | 0.8403% | 5,540 |
| Net loans and leases to total assets | 49.0114% | 6,433 |
| Net loans and leases to deposits | 57.3994% | 6,516 |
| Net loans and leases to core deposits | 57.9426% | 6,729 |
| Total domestic deposits to total assets | 85.3865% | 3,414 |
| Equity capital to assets | 10.0925% | 4,035 |
| Core capital (leverage) ratio | 8.7114% | 5,161 |
| Tier 1 risk-based capital ratio | 13.6276% | 4,101 |
| Total risk-based capital ratio | 14.6717% | 4,214 |
| Memoranda: | ||
| Average total assets | $271,271,000 | 2,381 |
| Average earning assets | $253,729,500 | 2,340 |
| Average equity | $26,877,500 | 2,426 |
| Average total loans | $133,935,750 | 3,100 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8522% | 5,598 |
| Cost of funding earning assets | 0.7904% | 6,945 |
| Net interest margin | 4.0618% | 2,738 |
| Noninterest income to average assets | 1.9288% | 371 |
| Noninterest expense to average assets | 4.2219% | 794 |
| Loan and lease loss provision to assets | 0.1180% | 5,719 |
| Net operating income to assets | 1.3788% | 1,128 |
| Return on assets (ROA) | 1.4901% | 984 |
| Pretax return on assets | 1.4968% | 1,562 |
| Return on Equity (ROE) | 15.1337% | 834 |
| Retained earnings to average equity (ytd only) | 0.1573% | 5,686 |
| Net charge-offs to loans | 0.0658% | 5,484 |
| Credit loss provision to net charge-offs | 363.6364% | 1,002 |
| Earnings coverage of net charge-offs (x) | 46.3409% | 640 |
| Efficiency ratio | 73.7411% | 3,523 |
| Assets per employee ($millions) | 1.8232% | 7,646 |
| Cash dividends to net income (ytd only)* | 98.9609% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 6,095 |
| Loan loss allowance to noncurrent loans | 119.2308% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 6,273 |
| Noncurrent loans to loans | 0.8949% | 5,482 |
| Net loans and leases to total assets | 50.0108% | 6,430 |
| Net loans and leases to deposits | 58.7757% | 6,514 |
| Net loans and leases to core deposits | 59.4718% | 6,744 |
| Total domestic deposits to total assets | 85.0875% | 3,583 |
| Equity capital to assets | 10.2376% | 3,723 |
| Core capital (leverage) ratio | 8.5143% | 5,381 |
| Tier 1 risk-based capital ratio | 13.7992% | 3,882 |
| Total risk-based capital ratio | 14.8364% | 3,974 |
| Memoranda: | ||
| Average total assets | $271,251,000 | 2,408 |
| Average earning assets | $253,535,000 | 2,363 |
| Average equity | $26,708,670 | 2,430 |
| Average total loans | $133,794,000 | 3,134 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7630% | 6,028 |
| Cost of funding earning assets | 0.8115% | 7,055 |
| Net interest margin | 3.9515% | 3,093 |
| Noninterest income to average assets | 1.7358% | 428 |
| Noninterest expense to average assets | 4.1283% | 872 |
| Loan and lease loss provision to assets | 0.1311% | 5,261 |
| Net operating income to assets | 1.1651% | 1,632 |
| Return on assets (ROA) | 1.3280% | 1,301 |
| Pretax return on assets | 1.3353% | 1,949 |
| Return on Equity (ROE) | 13.7502% | 1,101 |
| Retained earnings to average equity (ytd only) | -1.3268% | 6,096 |
| Net charge-offs to loans | 0.0837% | 4,591 |
| Credit loss provision to net charge-offs | 321.4286% | 1,234 |
| Earnings coverage of net charge-offs (x) | 31.9286% | 838 |
| Efficiency ratio | 76.0257% | 3,209 |
| Assets per employee ($millions) | 1.8919% | 7,721 |
| Cash dividends to net income (ytd only)* | 109.6491% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 6,377 |
| Loan loss allowance to noncurrent loans | 119.4251% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 6,424 |
| Noncurrent loans to loans | 0.8510% | 5,608 |
| Net loans and leases to total assets | 48.3428% | 6,639 |
| Net loans and leases to deposits | 56.5410% | 6,728 |
| Net loans and leases to core deposits | 56.7103% | 6,952 |
| Total domestic deposits to total assets | 85.5005% | 3,415 |
| Equity capital to assets | 9.6031% | 4,375 |
| Core capital (leverage) ratio | 8.4444% | 5,475 |
| Tier 1 risk-based capital ratio | 13.6119% | 3,920 |
| Total risk-based capital ratio | 14.4842% | 4,131 |
| Memoranda: | ||
| Average total assets | $274,692,000 | 2,432 |
| Average earning assets | $256,813,500 | 2,383 |
| Average equity | $26,530,500 | 2,462 |
| Average total loans | $133,871,500 | 3,189 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2259% | 5,526 |
| Cost of funding earning assets | 0.9676% | 7,267 |
| Net interest margin | 4.2582% | 1,862 |
| Noninterest income to average assets | 1.9986% | 373 |
| Noninterest expense to average assets | 4.1758% | 1,124 |
| Loan and lease loss provision to assets | 0.0822% | 6,788 |
| Net operating income to assets | 1.7063% | 430 |
| Return on assets (ROA) | 1.7557% | 415 |
| Pretax return on assets | 1.7631% | 682 |
| Return on Equity (ROE) | 18.7884% | 315 |
| Retained earnings to average equity (ytd only) | 4.7911% | 1,925 |
| Net charge-offs to loans | 0.2250% | 5,214 |
| Credit loss provision to net charge-offs | 74.3243% | 6,414 |
| Earnings coverage of net charge-offs (x) | 16.2365% | 1,259 |
| Efficiency ratio | 69.9249% | 4,646 |
| Assets per employee ($millions) | 1.8211% | 7,814 |
| Cash dividends to net income (ytd only)* | 74.4998% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 6,462 |
| Loan loss allowance to noncurrent loans | 199.3912% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 6,842 |
| Noncurrent loans to loans | 0.4946% | 6,264 |
| Net loans and leases to total assets | 48.1504% | 6,802 |
| Net loans and leases to deposits | 57.6887% | 6,806 |
| Net loans and leases to core deposits | 62.9095% | 7,157 |
| Total domestic deposits to total assets | 83.4658% | 4,296 |
| Equity capital to assets | 9.7141% | 4,130 |
| Core capital (leverage) ratio | 8.5541% | 5,181 |
| Tier 1 risk-based capital ratio | 14.0425% | 3,475 |
| Total risk-based capital ratio | 14.8828% | 3,672 |
| Memoranda: | ||
| Average total assets | $267,591,200 | 2,446 |
| Average earning assets | $249,680,600 | 2,406 |
| Average equity | $25,004,800 | 2,611 |
| Average total loans | $131,547,200 | 3,237 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 5,413 |
| Cost of funding earning assets | 0.9904% | 7,410 |
| Net interest margin | 4.3116% | 1,702 |
| Noninterest income to average assets | 1.9980% | 367 |
| Noninterest expense to average assets | 4.2899% | 924 |
| Loan and lease loss provision to assets | 0.0301% | 7,049 |
| Net operating income to assets | 1.6934% | 571 |
| Return on assets (ROA) | 1.6854% | 611 |
| Pretax return on assets | 1.6929% | 983 |
| Return on Equity (ROE) | 18.2215% | 432 |
| Retained earnings to average equity (ytd only) | -0.7310% | 5,416 |
| Net charge-offs to loans | 0.1890% | 4,886 |
| Credit loss provision to net charge-offs | 32.2581% | 6,488 |
| Earnings coverage of net charge-offs (x) | 18.5809% | 1,343 |
| Efficiency ratio | 71.2503% | 4,378 |
| Assets per employee ($millions) | 1.8673% | 7,868 |
| Cash dividends to net income (ytd only)* | 104.0120% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 6,412 |
| Loan loss allowance to noncurrent loans | 183.5277% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 6,844 |
| Noncurrent loans to loans | 0.5319% | 6,245 |
| Net loans and leases to total assets | 47.8317% | 6,971 |
| Net loans and leases to deposits | 56.6304% | 7,051 |
| Net loans and leases to core deposits | 62.1203% | 7,322 |
| Total domestic deposits to total assets | 84.4629% | 3,496 |
| Equity capital to assets | 9.4129% | 4,869 |
| Core capital (leverage) ratio | 8.0537% | 6,264 |
| Tier 1 risk-based capital ratio | 14.5795% | 3,233 |
| Total risk-based capital ratio | 15.5056% | 3,353 |
| Memoranda: | ||
| Average total assets | $266,198,750 | 2,465 |
| Average earning assets | $248,377,000 | 2,440 |
| Average equity | $24,622,250 | 2,673 |
| Average total loans | $131,224,500 | 3,277 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3663% | 5,320 |
| Cost of funding earning assets | 1.0055% | 7,547 |
| Net interest margin | 4.3608% | 1,495 |
| Noninterest income to average assets | 1.9690% | 387 |
| Noninterest expense to average assets | 4.2764% | 980 |
| Loan and lease loss provision to assets | 0.0451% | 6,783 |
| Net operating income to assets | 1.7035% | 561 |
| Return on assets (ROA) | 1.6945% | 625 |
| Pretax return on assets | 1.7027% | 1,010 |
| Return on Equity (ROE) | 18.4284% | 457 |
| Retained earnings to average equity (ytd only) | -10.1999% | 6,891 |
| Net charge-offs to loans | 0.2031% | 4,261 |
| Credit loss provision to net charge-offs | 44.7761% | 5,831 |
| Earnings coverage of net charge-offs (x) | 17.4328% | 1,480 |
| Efficiency ratio | 70.8801% | 4,611 |
| Assets per employee ($millions) | 1.9026% | 7,916 |
| Cash dividends to net income (ytd only)* | 155.3484% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 6,065 |
| Loan loss allowance to noncurrent loans | 174.8000% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 6,753 |
| Noncurrent loans to loans | 0.5846% | 6,087 |
| Net loans and leases to total assets | 47.6750% | 7,060 |
| Net loans and leases to deposits | 55.9404% | 7,167 |
| Net loans and leases to core deposits | 60.9612% | 7,415 |
| Total domestic deposits to total assets | 85.2247% | 3,148 |
| Equity capital to assets | 8.8253% | 5,562 |
| Core capital (leverage) ratio | 7.6733% | 6,795 |
| Tier 1 risk-based capital ratio | 14.7570% | 3,121 |
| Total risk-based capital ratio | 15.7290% | 3,204 |
| Memoranda: | ||
| Average total assets | $265,923,000 | 2,476 |
| Average earning assets | $247,844,330 | 2,456 |
| Average equity | $24,451,330 | 2,698 |
| Average total loans | $131,972,000 | 3,304 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5224% | 4,796 |
| Cost of funding earning assets | 1.0318% | 7,622 |
| Net interest margin | 4.4906% | 1,144 |
| Noninterest income to average assets | 1.8728% | 399 |
| Noninterest expense to average assets | 4.1566% | 990 |
| Loan and lease loss provision to assets | 0.0226% | 6,620 |
| Net operating income to assets | 1.8728% | 458 |
| Return on assets (ROA) | 1.8728% | 510 |
| Pretax return on assets | 1.8803% | 838 |
| Return on Equity (ROE) | 19.9655% | 424 |
| Retained earnings to average equity (ytd only) | 19.9655% | 163 |
| Net charge-offs to loans | 0.1315% | 3,908 |
| Credit loss provision to net charge-offs | 34.0909% | 4,899 |
| Earnings coverage of net charge-offs (x) | 28.7273% | 1,097 |
| Efficiency ratio | 68.5963% | 4,852 |
| Assets per employee ($millions) | 1.8589% | 7,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 5,903 |
| Loan loss allowance to noncurrent loans | 233.9655% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 6,704 |
| Noncurrent loans to loans | 0.4423% | 6,318 |
| Net loans and leases to total assets | 47.8210% | 7,042 |
| Net loans and leases to deposits | 57.1967% | 7,091 |
| Net loans and leases to core deposits | 62.1781% | 7,383 |
| Total domestic deposits to total assets | 83.6078% | 3,874 |
| Equity capital to assets | 9.5548% | 4,602 |
| Core capital (leverage) ratio | 8.6772% | 5,192 |
| Tier 1 risk-based capital ratio | 16.4068% | 2,549 |
| Total risk-based capital ratio | 17.4003% | 2,574 |
| Memoranda: | ||
| Average total assets | $265,699,500 | 2,500 |
| Average earning assets | $247,717,000 | 2,468 |
| Average equity | $24,923,000 | 2,657 |
| Average total loans | $133,806,500 | 3,291 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0108% | 5,496 |
| Cost of funding earning assets | 1.4937% | 7,621 |
| Net interest margin | 4.5171% | 1,380 |
| Noninterest income to average assets | 2.1402% | 311 |
| Noninterest expense to average assets | 4.4948% | 884 |
| Loan and lease loss provision to assets | 0.1222% | 5,791 |
| Net operating income to assets | 1.6918% | 690 |
| Return on assets (ROA) | 1.6991% | 647 |
| Pretax return on assets | 1.7063% | 1,130 |
| Return on Equity (ROE) | 20.1243% | 364 |
| Retained earnings to average equity (ytd only) | 12.8401% | 175 |
| Net charge-offs to loans | 0.2259% | 3,979 |
| Credit loss provision to net charge-offs | 103.5599% | 5,166 |
| Earnings coverage of net charge-offs (x) | 15.4304% | 1,930 |
| Efficiency ratio | 71.1642% | 4,092 |
| Assets per employee ($millions) | 1.7687% | 8,060 |
| Cash dividends to net income (ytd only)* | 36.1960% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 5,888 |
| Loan loss allowance to noncurrent loans | 217.7673% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 6,395 |
| Noncurrent loans to loans | 0.4660% | 5,950 |
| Net loans and leases to total assets | 51.9560% | 6,850 |
| Net loans and leases to deposits | 61.5482% | 6,985 |
| Net loans and leases to core deposits | 67.9270% | 7,292 |
| Total domestic deposits to total assets | 84.4151% | 3,122 |
| Equity capital to assets | 9.1979% | 5,086 |
| Core capital (leverage) ratio | 8.2198% | 6,128 |
| Tier 1 risk-based capital ratio | 15.4545% | 2,860 |
| Total risk-based capital ratio | 16.4565% | 2,879 |
| Memoranda: | ||
| Average total assets | $261,793,000 | 2,452 |
| Average earning assets | $242,014,600 | 2,435 |
| Average equity | $22,102,600 | 2,960 |
| Average total loans | $136,813,400 | 3,147 |