Home > Community Savings Bank > Performance and Condition Ratios
Community Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 2,684 |
| Cost of funding earning assets | 1.7286% | 1,394 |
| Net interest margin | 2.9697% | 3,358 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.5571% | 2,136 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6619% | 3,288 |
| Return on assets (ROA) | 0.6784% | 3,226 |
| Pretax return on assets | 0.7119% | 3,410 |
| Return on Equity (ROE) | 8.9000% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.9974% | 2,240 |
| Net charge-offs to loans | 0.0820% | 1,044 |
| Credit loss provision to net charge-offs | 71.6463% | 2,074 |
| Earnings coverage of net charge-offs (x) | 12.6768% | 2,134 |
| Efficiency ratio | 77.2121% | 1,142 |
| Assets per employee ($millions) | 7.0313% | 2,050 |
| Cash dividends to net income (ytd only)* | 32.6200% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,029 |
| Loan loss allowance to noncurrent loans | 712.4402% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 2,461 |
| Noncurrent loans to loans | 0.1486% | 2,772 |
| Net loans and leases to total assets | 70.6700% | 1,737 |
| Net loans and leases to deposits | 92.2525% | 1,067 |
| Net loans and leases to core deposits | 105.7968% | 1,121 |
| Total domestic deposits to total assets | 76.6100% | 3,881 |
| Equity capital to assets | 7.9278% | 3,463 |
| Core capital (leverage) ratio | 9.6678% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3851% | 2,104 |
| Memoranda: | ||
| Average total assets | $564,854,200 | 1,566 |
| Average earning assets | $533,719,000 | 1,540 |
| Average equity | $43,052,000 | 1,788 |
| Average total loans | $400,205,800 | 1,468 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 2,656 |
| Cost of funding earning assets | 1.6040% | 1,364 |
| Net interest margin | 3.0054% | 3,331 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.6197% | 1,877 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.6168% | 3,500 |
| Return on assets (ROA) | 0.6318% | 3,460 |
| Pretax return on assets | 0.6628% | 3,617 |
| Return on Equity (ROE) | 8.3800% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.3991% | 2,499 |
| Net charge-offs to loans | 0.0993% | 788 |
| Credit loss provision to net charge-offs | 53.7415% | 1,880 |
| Earnings coverage of net charge-offs (x) | 9.7551% | 2,155 |
| Efficiency ratio | 78.8367% | 947 |
| Assets per employee ($millions) | 6.4886% | 2,336 |
| Cash dividends to net income (ytd only)* | 23.6206% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 2,841 |
| Loan loss allowance to noncurrent loans | 434.9066% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 1,898 |
| Noncurrent loans to loans | 0.2542% | 2,328 |
| Net loans and leases to total assets | 70.9100% | 1,714 |
| Net loans and leases to deposits | 88.0517% | 1,381 |
| Net loans and leases to core deposits | 100.1260% | 1,315 |
| Total domestic deposits to total assets | 80.5400% | 3,453 |
| Equity capital to assets | 6.9180% | 3,654 |
| Core capital (leverage) ratio | 9.7645% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8867% | 1,940 |
| Memoranda: | ||
| Average total assets | $558,411,000 | 1,584 |
| Average earning assets | $527,162,500 | 1,555 |
| Average equity | $42,109,000 | 1,796 |
| Average total loans | $394,790,250 | 1,478 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 2,700 |
| Cost of funding earning assets | 1.4652% | 1,309 |
| Net interest margin | 3.0138% | 3,396 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.6283% | 1,856 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6287% | 3,508 |
| Return on assets (ROA) | 0.6474% | 3,478 |
| Pretax return on assets | 0.6793% | 3,645 |
| Return on Equity (ROE) | 8.3600% | 3,150 |
| Retained earnings to average equity (ytd only) | 8.3554% | 1,859 |
| Net charge-offs to loans | 0.1511% | 515 |
| Credit loss provision to net charge-offs | 26.5993% | 1,746 |
| Earnings coverage of net charge-offs (x) | 6.4680% | 2,123 |
| Efficiency ratio | 78.8144% | 938 |
| Assets per employee ($millions) | 6.4366% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,007 |
| Loan loss allowance to noncurrent loans | 353.5831% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 1,671 |
| Noncurrent loans to loans | 0.3076% | 2,041 |
| Net loans and leases to total assets | 69.7000% | 1,779 |
| Net loans and leases to deposits | 84.3819% | 1,633 |
| Net loans and leases to core deposits | 94.2847% | 1,550 |
| Total domestic deposits to total assets | 82.6100% | 3,120 |
| Equity capital to assets | 7.6584% | 3,429 |
| Core capital (leverage) ratio | 9.7332% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8383% | 1,966 |
| Memoranda: | ||
| Average total assets | $558,540,333 | 1,581 |
| Average earning assets | $527,433,667 | 1,561 |
| Average equity | $43,277,333 | 1,775 |
| Average total loans | $393,007,333 | 1,470 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 2,691 |
| Cost of funding earning assets | 1.3130% | 1,205 |
| Net interest margin | 3.0325% | 3,519 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.6080% | 1,929 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6591% | 3,561 |
| Return on assets (ROA) | 0.6708% | 3,485 |
| Pretax return on assets | 0.7039% | 3,652 |
| Return on Equity (ROE) | 8.6100% | 3,153 |
| Retained earnings to average equity (ytd only) | 8.6058% | 2,055 |
| Net charge-offs to loans | -0.0841% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.7514% | 1,025 |
| Assets per employee ($millions) | 6.7073% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 2,639 |
| Loan loss allowance to noncurrent loans | 559.2372% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 1,893 |
| Noncurrent loans to loans | 0.2119% | 2,413 |
| Net loans and leases to total assets | 69.4300% | 1,679 |
| Net loans and leases to deposits | 87.9046% | 1,215 |
| Net loans and leases to core deposits | 97.0664% | 1,227 |
| Total domestic deposits to total assets | 78.9900% | 3,900 |
| Equity capital to assets | 7.9045% | 3,310 |
| Core capital (leverage) ratio | 9.7114% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7013% | 2,092 |
| Memoranda: | ||
| Average total assets | $554,598,000 | 1,614 |
| Average earning assets | $523,396,500 | 1,588 |
| Average equity | $43,226,500 | 1,789 |
| Average total loans | $389,928,500 | 1,502 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 2,292 |
| Cost of funding earning assets | 0.5475% | 1,120 |
| Net interest margin | 3.2490% | 2,705 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.6818% | 1,603 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8174% | 3,265 |
| Return on assets (ROA) | 0.8235% | 3,176 |
| Pretax return on assets | 0.8670% | 3,437 |
| Return on Equity (ROE) | 9.9100% | 2,835 |
| Retained earnings to average equity (ytd only) | 5.3429% | 2,899 |
| Net charge-offs to loans | 0.0478% | 1,206 |
| Credit loss provision to net charge-offs | 50.6024% | 1,816 |
| Earnings coverage of net charge-offs (x) | 27.8253% | 1,722 |
| Efficiency ratio | 74.9360% | 1,125 |
| Assets per employee ($millions) | 6.3463% | 2,470 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,432 |
| Loan loss allowance to noncurrent loans | 486.5900% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 1,849 |
| Noncurrent loans to loans | 0.2039% | 2,474 |
| Net loans and leases to total assets | 69.6500% | 1,668 |
| Net loans and leases to deposits | 84.5058% | 1,425 |
| Net loans and leases to core deposits | 89.5987% | 1,524 |
| Total domestic deposits to total assets | 82.4300% | 3,544 |
| Equity capital to assets | 7.6804% | 3,269 |
| Core capital (leverage) ratio | 10.0967% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0313% | 1,968 |
| Memoranda: | ||
| Average total assets | $526,990,400 | 1,664 |
| Average earning assets | $495,696,800 | 1,643 |
| Average equity | $43,796,800 | 1,791 |
| Average total loans | $347,586,400 | 1,555 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 2,064 |
| Cost of funding earning assets | 0.4425% | 1,017 |
| Net interest margin | 3.2517% | 2,453 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.7016% | 1,470 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8096% | 3,220 |
| Return on assets (ROA) | 0.8161% | 3,152 |
| Pretax return on assets | 0.8590% | 3,453 |
| Return on Equity (ROE) | 9.6300% | 2,836 |
| Retained earnings to average equity (ytd only) | 6.6173% | 2,510 |
| Net charge-offs to loans | 0.0571% | 910 |
| Credit loss provision to net charge-offs | 56.5517% | 1,503 |
| Earnings coverage of net charge-offs (x) | 23.5862% | 1,649 |
| Efficiency ratio | 75.1410% | 1,161 |
| Assets per employee ($millions) | 5.6375% | 3,089 |
| Cash dividends to net income (ytd only)* | 31.2793% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,054 |
| Loan loss allowance to noncurrent loans | 414.7346% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 1,689 |
| Noncurrent loans to loans | 0.2632% | 2,322 |
| Net loans and leases to total assets | 68.3500% | 1,634 |
| Net loans and leases to deposits | 79.5711% | 1,601 |
| Net loans and leases to core deposits | 82.0365% | 1,766 |
| Total domestic deposits to total assets | 85.9000% | 3,088 |
| Equity capital to assets | 7.6347% | 3,132 |
| Core capital (leverage) ratio | 10.2907% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0465% | 1,699 |
| Memoranda: | ||
| Average total assets | $522,293,000 | 1,688 |
| Average earning assets | $491,140,500 | 1,663 |
| Average equity | $44,266,500 | 1,799 |
| Average total loans | $338,490,250 | 1,574 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 2,036 |
| Cost of funding earning assets | 0.3933% | 960 |
| Net interest margin | 3.1383% | 2,407 |
| Noninterest income to average assets | 0.4745% | 2,333 |
| Noninterest expense to average assets | 2.6746% | 1,450 |
| Loan and lease loss provision to assets | 0.0311% | 2,030 |
| Net operating income to assets | 0.6866% | 3,353 |
| Return on assets (ROA) | 0.6945% | 3,281 |
| Pretax return on assets | 0.7309% | 3,496 |
| Return on Equity (ROE) | 7.9419% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.9419% | 1,639 |
| Net charge-offs to loans | 0.0126% | 1,539 |
| Credit loss provision to net charge-offs | 390.4762% | 707 |
| Earnings coverage of net charge-offs (x) | 94.6190% | 844 |
| Efficiency ratio | 77.5614% | 1,119 |
| Assets per employee ($millions) | 6.0203% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,706 |
| Loan loss allowance to noncurrent loans | 104.9376% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 613 |
| Noncurrent loans to loans | 1.1385% | 714 |
| Net loans and leases to total assets | 61.7069% | 2,152 |
| Net loans and leases to deposits | 72.1816% | 2,010 |
| Net loans and leases to core deposits | 73.9740% | 2,178 |
| Total domestic deposits to total assets | 85.4884% | 3,372 |
| Equity capital to assets | 7.9150% | 3,189 |
| Core capital (leverage) ratio | 9.9355% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4621% | 1,583 |
| Memoranda: | ||
| Average total assets | $527,264,333 | 1,684 |
| Average earning assets | $496,260,667 | 1,670 |
| Average equity | $46,109,667 | 1,796 |
| Average total loans | $334,445,000 | 1,583 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5062% | 1,793 |
| Cost of funding earning assets | 0.3940% | 902 |
| Net interest margin | 3.1122% | 2,131 |
| Noninterest income to average assets | 0.4776% | 2,257 |
| Noninterest expense to average assets | 2.6859% | 1,397 |
| Loan and lease loss provision to assets | 0.0624% | 1,296 |
| Net operating income to assets | 0.6281% | 3,308 |
| Return on assets (ROA) | 0.6570% | 3,183 |
| Pretax return on assets | 0.6913% | 3,418 |
| Return on Equity (ROE) | 7.1704% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.1704% | 1,840 |
| Net charge-offs to loans | 0.0345% | 956 |
| Credit loss provision to net charge-offs | 282.7586% | 688 |
| Earnings coverage of net charge-offs (x) | 32.7931% | 1,092 |
| Efficiency ratio | 78.3404% | 1,286 |
| Assets per employee ($millions) | 6.1020% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,915 |
| Loan loss allowance to noncurrent loans | 103.0303% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 629 |
| Noncurrent loans to loans | 1.1539% | 766 |
| Net loans and leases to total assets | 61.7468% | 1,893 |
| Net loans and leases to deposits | 73.5514% | 1,648 |
| Net loans and leases to core deposits | 75.5384% | 1,806 |
| Total domestic deposits to total assets | 83.9505% | 3,781 |
| Equity capital to assets | 8.2538% | 3,362 |
| Core capital (leverage) ratio | 9.1869% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0661% | 2,585 |
| Memoranda: | ||
| Average total assets | $526,001,500 | 1,695 |
| Average earning assets | $495,471,500 | 1,680 |
| Average equity | $48,198,000 | 1,785 |
| Average total loans | $336,232,500 | 1,567 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 1,636 |
| Cost of funding earning assets | 0.5204% | 844 |
| Net interest margin | 3.3712% | 2,111 |
| Noninterest income to average assets | 0.8680% | 1,284 |
| Noninterest expense to average assets | 2.7767% | 1,422 |
| Loan and lease loss provision to assets | 0.0312% | 2,431 |
| Net operating income to assets | 1.1687% | 2,029 |
| Return on assets (ROA) | 1.2751% | 1,734 |
| Pretax return on assets | 1.3416% | 2,235 |
| Return on Equity (ROE) | 12.6922% | 1,574 |
| Retained earnings to average equity (ytd only) | 7.9797% | 1,552 |
| Net charge-offs to loans | -0.0178% | 3,938 |
| Credit loss provision to net charge-offs | -263.3333% | 3,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3784% | 1,930 |
| Assets per employee ($millions) | 5.9220% | 2,846 |
| Cash dividends to net income (ytd only)* | 37.1287% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,161 |
| Loan loss allowance to noncurrent loans | 82.0924% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0489% | 510 |
| Noncurrent loans to loans | 1.3914% | 672 |
| Net loans and leases to total assets | 64.6349% | 1,632 |
| Net loans and leases to deposits | 78.7146% | 1,326 |
| Net loans and leases to core deposits | 81.2229% | 1,505 |
| Total domestic deposits to total assets | 82.1130% | 3,947 |
| Equity capital to assets | 10.0894% | 2,571 |
| Core capital (leverage) ratio | 9.1967% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2873% | 2,534 |
| Memoranda: | ||
| Average total assets | $506,935,000 | 1,682 |
| Average earning assets | $476,600,400 | 1,672 |
| Average equity | $50,929,000 | 1,737 |
| Average total loans | $336,906,400 | 1,567 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 1,745 |
| Cost of funding earning assets | 0.5492% | 835 |
| Net interest margin | 3.3561% | 2,280 |
| Noninterest income to average assets | 0.5613% | 2,366 |
| Noninterest expense to average assets | 2.7602% | 1,435 |
| Loan and lease loss provision to assets | 0.0405% | 2,189 |
| Net operating income to assets | 0.8679% | 3,331 |
| Return on assets (ROA) | 0.9922% | 3,022 |
| Pretax return on assets | 1.0444% | 3,338 |
| Return on Equity (ROE) | 9.8870% | 2,778 |
| Retained earnings to average equity (ytd only) | 6.7197% | 2,533 |
| Net charge-offs to loans | -0.1210% | 4,673 |
| Credit loss provision to net charge-offs | -50.1639% | 3,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8786% | 1,224 |
| Assets per employee ($millions) | 5.9155% | 2,775 |
| Cash dividends to net income (ytd only)* | 32.0342% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,658 |
| Loan loss allowance to noncurrent loans | 283.5278% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 1,572 |
| Noncurrent loans to loans | 0.4458% | 2,224 |
| Net loans and leases to total assets | 63.4365% | 1,845 |
| Net loans and leases to deposits | 77.1858% | 1,555 |
| Net loans and leases to core deposits | 80.4054% | 1,697 |
| Total domestic deposits to total assets | 82.1868% | 3,891 |
| Equity capital to assets | 10.1561% | 2,756 |
| Core capital (leverage) ratio | 9.0106% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7650% | 2,445 |
| Memoranda: | ||
| Average total assets | $503,385,500 | 1,707 |
| Average earning assets | $472,921,250 | 1,693 |
| Average equity | $50,516,500 | 1,765 |
| Average total loans | $335,951,500 | 1,598 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7018% | 2,326 |
| Cost of funding earning assets | 0.5715% | 864 |
| Net interest margin | 3.1303% | 2,953 |
| Noninterest income to average assets | 0.6423% | 2,029 |
| Noninterest expense to average assets | 2.7615% | 1,439 |
| Loan and lease loss provision to assets | 0.0558% | 1,911 |
| Net operating income to assets | 0.7270% | 3,694 |
| Return on assets (ROA) | 0.8652% | 3,392 |
| Pretax return on assets | 0.9103% | 3,639 |
| Return on Equity (ROE) | 8.6570% | 3,208 |
| Retained earnings to average equity (ytd only) | 6.2633% | 2,705 |
| Net charge-offs to loans | -0.1699% | 4,764 |
| Credit loss provision to net charge-offs | -48.6111% | 2,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6362% | 1,020 |
| Assets per employee ($millions) | 5.7788% | 2,822 |
| Cash dividends to net income (ytd only)* | 27.6498% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,769 |
| Loan loss allowance to noncurrent loans | 309.9773% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 1,586 |
| Noncurrent loans to loans | 0.3971% | 2,482 |
| Net loans and leases to total assets | 64.7027% | 1,868 |
| Net loans and leases to deposits | 79.2123% | 1,496 |
| Net loans and leases to core deposits | 82.1001% | 1,715 |
| Total domestic deposits to total assets | 81.6827% | 3,982 |
| Equity capital to assets | 10.0115% | 2,836 |
| Core capital (leverage) ratio | 8.7727% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7797% | 2,442 |
| Memoranda: | ||
| Average total assets | $501,604,333 | 1,710 |
| Average earning assets | $471,070,333 | 1,696 |
| Average equity | $50,133,000 | 1,769 |
| Average total loans | $338,985,000 | 1,597 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6181% | 2,587 |
| Cost of funding earning assets | 0.5936% | 897 |
| Net interest margin | 3.0245% | 3,198 |
| Noninterest income to average assets | 0.6263% | 2,102 |
| Noninterest expense to average assets | 2.7976% | 1,375 |
| Loan and lease loss provision to assets | 0.0602% | 1,918 |
| Net operating income to assets | 0.5791% | 3,994 |
| Return on assets (ROA) | 0.8568% | 3,331 |
| Pretax return on assets | 0.9002% | 3,595 |
| Return on Equity (ROE) | 8.5800% | 3,162 |
| Retained earnings to average equity (ytd only) | 8.5800% | 2,068 |
| Net charge-offs to loans | -0.1579% | 4,745 |
| Credit loss provision to net charge-offs | -55.5556% | 2,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2595% | 804 |
| Assets per employee ($millions) | 5.6930% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,302 |
| Loan loss allowance to noncurrent loans | 564.3895% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 2,143 |
| Noncurrent loans to loans | 0.1997% | 3,391 |
| Net loans and leases to total assets | 67.9853% | 1,535 |
| Net loans and leases to deposits | 84.0224% | 1,140 |
| Net loans and leases to core deposits | 87.4618% | 1,413 |
| Total domestic deposits to total assets | 80.9134% | 4,073 |
| Equity capital to assets | 9.9166% | 2,781 |
| Core capital (leverage) ratio | 8.9479% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5731% | 2,458 |
| Memoranda: | ||
| Average total assets | $498,139,000 | 1,702 |
| Average earning assets | $467,650,500 | 1,691 |
| Average equity | $49,743,500 | 1,772 |
| Average total loans | $341,909,000 | 1,588 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 2,246 |
| Cost of funding earning assets | 0.8751% | 927 |
| Net interest margin | 3.2894% | 3,095 |
| Noninterest income to average assets | 0.7359% | 1,732 |
| Noninterest expense to average assets | 2.8227% | 1,887 |
| Loan and lease loss provision to assets | 0.1697% | 2,264 |
| Net operating income to assets | 0.7737% | 3,192 |
| Return on assets (ROA) | 0.8986% | 2,837 |
| Pretax return on assets | 0.9454% | 3,234 |
| Return on Equity (ROE) | 8.8218% | 2,462 |
| Retained earnings to average equity (ytd only) | 4.3834% | 2,601 |
| Net charge-offs to loans | 0.1446% | 1,121 |
| Credit loss provision to net charge-offs | 169.8276% | 2,318 |
| Earnings coverage of net charge-offs (x) | 9.8448% | 2,502 |
| Efficiency ratio | 73.7033% | 1,486 |
| Assets per employee ($millions) | 5.6931% | 2,633 |
| Cash dividends to net income (ytd only)* | 50.3115% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,547 |
| Loan loss allowance to noncurrent loans | 561.6208% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 2,332 |
| Noncurrent loans to loans | 0.1927% | 3,519 |
| Net loans and leases to total assets | 67.7711% | 1,852 |
| Net loans and leases to deposits | 83.9349% | 1,467 |
| Net loans and leases to core deposits | 89.8618% | 1,534 |
| Total domestic deposits to total assets | 80.7425% | 3,919 |
| Equity capital to assets | 10.0560% | 3,080 |
| Core capital (leverage) ratio | 8.8680% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3407% | 2,506 |
| Memoranda: | ||
| Average total assets | $464,483,400 | 1,650 |
| Average earning assets | $433,543,400 | 1,650 |
| Average equity | $47,314,800 | 1,782 |
| Average total loans | $320,967,600 | 1,607 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 2,279 |
| Cost of funding earning assets | 0.9413% | 927 |
| Net interest margin | 3.2987% | 3,198 |
| Noninterest income to average assets | 0.7615% | 1,614 |
| Noninterest expense to average assets | 2.8220% | 1,909 |
| Loan and lease loss provision to assets | 0.1570% | 2,441 |
| Net operating income to assets | 0.8142% | 3,037 |
| Return on assets (ROA) | 0.9381% | 2,697 |
| Pretax return on assets | 0.9878% | 3,114 |
| Return on Equity (ROE) | 9.1777% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.1794% | 2,027 |
| Net charge-offs to loans | 0.2124% | 720 |
| Credit loss provision to net charge-offs | 106.7460% | 2,571 |
| Earnings coverage of net charge-offs (x) | 6.8948% | 2,616 |
| Efficiency ratio | 73.0959% | 1,512 |
| Assets per employee ($millions) | 5.6284% | 2,596 |
| Cash dividends to net income (ytd only)* | 32.6696% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,683 |
| Loan loss allowance to noncurrent loans | 231.7123% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 1,703 |
| Noncurrent loans to loans | 0.4344% | 2,754 |
| Net loans and leases to total assets | 69.5416% | 2,022 |
| Net loans and leases to deposits | 87.2336% | 1,564 |
| Net loans and leases to core deposits | 94.3861% | 1,602 |
| Total domestic deposits to total assets | 79.7188% | 3,922 |
| Equity capital to assets | 10.3906% | 2,879 |
| Core capital (leverage) ratio | 9.0536% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6122% | 2,359 |
| Memoranda: | ||
| Average total assets | $456,779,750 | 1,655 |
| Average earning assets | $425,771,750 | 1,651 |
| Average equity | $46,691,750 | 1,788 |
| Average total loans | $316,374,000 | 1,624 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,449 |
| Cost of funding earning assets | 1.0145% | 946 |
| Net interest margin | 3.2950% | 3,402 |
| Noninterest income to average assets | 0.6798% | 1,811 |
| Noninterest expense to average assets | 2.7578% | 2,194 |
| Loan and lease loss provision to assets | 0.1059% | 2,952 |
| Net operating income to assets | 0.8428% | 2,888 |
| Return on assets (ROA) | 0.9814% | 2,524 |
| Pretax return on assets | 1.0325% | 2,920 |
| Return on Equity (ROE) | 9.6573% | 2,094 |
| Retained earnings to average equity (ytd only) | 6.5929% | 1,830 |
| Net charge-offs to loans | 0.1937% | 792 |
| Credit loss provision to net charge-offs | 79.3333% | 2,511 |
| Earnings coverage of net charge-offs (x) | 7.4367% | 2,361 |
| Efficiency ratio | 73.0486% | 1,563 |
| Assets per employee ($millions) | 5.5348% | 2,603 |
| Cash dividends to net income (ytd only)* | 31.7316% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,627 |
| Loan loss allowance to noncurrent loans | 255.4002% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 2,141 |
| Noncurrent loans to loans | 0.3871% | 3,020 |
| Net loans and leases to total assets | 68.3621% | 2,294 |
| Net loans and leases to deposits | 85.2695% | 1,851 |
| Net loans and leases to core deposits | 96.2121% | 1,562 |
| Total domestic deposits to total assets | 80.1718% | 3,799 |
| Equity capital to assets | 10.1888% | 3,032 |
| Core capital (leverage) ratio | 9.1867% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7002% | 2,313 |
| Memoranda: | ||
| Average total assets | $449,568,667 | 1,657 |
| Average earning assets | $418,944,000 | 1,651 |
| Average equity | $45,685,667 | 1,802 |
| Average total loans | $309,805,667 | 1,628 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,795 |
| Cost of funding earning assets | 1.1368% | 942 |
| Net interest margin | 3.2040% | 3,845 |
| Noninterest income to average assets | 0.8340% | 1,211 |
| Noninterest expense to average assets | 2.8488% | 2,283 |
| Loan and lease loss provision to assets | 0.0729% | 2,821 |
| Net operating income to assets | 0.8513% | 2,706 |
| Return on assets (ROA) | 0.9354% | 2,507 |
| Pretax return on assets | 0.9807% | 2,903 |
| Return on Equity (ROE) | 9.2187% | 2,021 |
| Retained earnings to average equity (ytd only) | 6.0367% | 1,857 |
| Net charge-offs to loans | 0.2828% | 523 |
| Credit loss provision to net charge-offs | 37.4408% | 2,112 |
| Earnings coverage of net charge-offs (x) | 4.9573% | 2,096 |
| Efficiency ratio | 74.2138% | 1,786 |
| Assets per employee ($millions) | 5.1171% | 2,519 |
| Cash dividends to net income (ytd only)* | 34.5168% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 3,287 |
| Loan loss allowance to noncurrent loans | 264.6914% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 1,998 |
| Noncurrent loans to loans | 0.4100% | 3,024 |
| Net loans and leases to total assets | 66.6053% | 2,747 |
| Net loans and leases to deposits | 84.5446% | 2,165 |
| Net loans and leases to core deposits | 99.0310% | 1,550 |
| Total domestic deposits to total assets | 78.7812% | 4,090 |
| Equity capital to assets | 10.0463% | 3,735 |
| Core capital (leverage) ratio | 9.0694% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4998% | 2,930 |
| Memoranda: | ||
| Average total assets | $433,589,500 | 1,667 |
| Average earning assets | $403,247,500 | 1,659 |
| Average equity | $43,997,500 | 1,850 |
| Average total loans | $298,474,000 | 1,652 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 2,737 |
| Cost of funding earning assets | 1.1960% | 1,030 |
| Net interest margin | 3.3668% | 3,835 |
| Noninterest income to average assets | 0.2164% | 4,371 |
| Noninterest expense to average assets | 2.8154% | 2,551 |
| Loan and lease loss provision to assets | 0.5491% | 224 |
| Net operating income to assets | -0.0005% | 4,971 |
| Return on assets (ROA) | 0.0866% | 4,951 |
| Pretax return on assets | 0.0767% | 4,954 |
| Return on Equity (ROE) | 0.8583% | 4,931 |
| Retained earnings to average equity (ytd only) | -2.4158% | 4,888 |
| Net charge-offs to loans | 0.4051% | 479 |
| Credit loss provision to net charge-offs | 193.1120% | 1,371 |
| Earnings coverage of net charge-offs (x) | 1.8946% | 3,481 |
| Efficiency ratio | 83.3697% | 695 |
| Assets per employee ($millions) | 4.8535% | 2,770 |
| Cash dividends to net income (ytd only)* | 381.4714% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 2,863 |
| Loan loss allowance to noncurrent loans | 216.4835% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 1,553 |
| Noncurrent loans to loans | 0.5146% | 2,642 |
| Net loans and leases to total assets | 69.6012% | 2,461 |
| Net loans and leases to deposits | 86.2102% | 2,058 |
| Net loans and leases to core deposits | 103.4673% | 1,275 |
| Total domestic deposits to total assets | 80.7343% | 3,825 |
| Equity capital to assets | 10.2513% | 3,676 |
| Core capital (leverage) ratio | 9.0958% | 4,450 |
| Tier 1 risk-based capital ratio | 11.2432% | 4,757 |
| Total risk-based capital ratio | 12.2364% | 4,766 |
| Memoranda: | ||
| Average total assets | $423,806,800 | 1,653 |
| Average earning assets | $394,972,800 | 1,648 |
| Average equity | $42,760,000 | 1,824 |
| Average total loans | $297,460,600 | 1,615 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 2,830 |
| Cost of funding earning assets | 1.1978% | 1,046 |
| Net interest margin | 3.3724% | 3,937 |
| Noninterest income to average assets | 0.2058% | 4,486 |
| Noninterest expense to average assets | 2.8410% | 2,435 |
| Loan and lease loss provision to assets | 0.7326% | 144 |
| Net operating income to assets | -0.2408% | 5,110 |
| Return on assets (ROA) | -0.1245% | 5,096 |
| Pretax return on assets | -0.1078% | 5,088 |
| Return on Equity (ROE) | -1.2391% | 5,103 |
| Retained earnings to average equity (ytd only) | -4.5328% | 5,043 |
| Net charge-offs to loans | 0.5389% | 310 |
| Credit loss provision to net charge-offs | 193.8282% | 1,352 |
| Earnings coverage of net charge-offs (x) | 1.3453% | 3,304 |
| Efficiency ratio | 84.2462% | 597 |
| Assets per employee ($millions) | 4.8270% | 2,759 |
| Cash dividends to net income (ytd only)* | -265.8255% | 5,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,818 |
| Loan loss allowance to noncurrent loans | 235.0631% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 1,611 |
| Noncurrent loans to loans | 0.4859% | 2,840 |
| Net loans and leases to total assets | 69.8904% | 2,494 |
| Net loans and leases to deposits | 86.3976% | 2,145 |
| Net loans and leases to core deposits | 104.5461% | 1,295 |
| Total domestic deposits to total assets | 80.8939% | 3,791 |
| Equity capital to assets | 10.4070% | 3,629 |
| Core capital (leverage) ratio | 8.9794% | 4,654 |
| Tier 1 risk-based capital ratio | 11.5059% | 4,665 |
| Total risk-based capital ratio | 12.5348% | 4,673 |
| Memoranda: | ||
| Average total assets | $422,982,000 | 1,669 |
| Average earning assets | $394,284,500 | 1,661 |
| Average equity | $42,504,000 | 1,844 |
| Average total loans | $296,670,750 | 1,628 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 2,882 |
| Cost of funding earning assets | 1.1887% | 1,023 |
| Net interest margin | 3.3516% | 4,026 |
| Noninterest income to average assets | 0.4403% | 3,011 |
| Noninterest expense to average assets | 2.8426% | 2,436 |
| Loan and lease loss provision to assets | 0.3844% | 323 |
| Net operating income to assets | 0.3226% | 4,846 |
| Return on assets (ROA) | 0.3783% | 4,785 |
| Pretax return on assets | 0.3980% | 4,833 |
| Return on Equity (ROE) | 3.7678% | 4,636 |
| Retained earnings to average equity (ytd only) | 0.4955% | 4,569 |
| Net charge-offs to loans | 0.8229% | 172 |
| Credit loss provision to net charge-offs | 66.8571% | 2,346 |
| Earnings coverage of net charge-offs (x) | 1.2588% | 3,034 |
| Efficiency ratio | 79.1656% | 1,045 |
| Assets per employee ($millions) | 4.7822% | 2,763 |
| Cash dividends to net income (ytd only)* | 86.8486% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 4,831 |
| Loan loss allowance to noncurrent loans | 122.5437% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 1,214 |
| Noncurrent loans to loans | 0.5098% | 2,752 |
| Net loans and leases to total assets | 68.0528% | 2,803 |
| Net loans and leases to deposits | 84.3693% | 2,449 |
| Net loans and leases to core deposits | 102.1748% | 1,538 |
| Total domestic deposits to total assets | 80.6606% | 3,901 |
| Equity capital to assets | 10.4335% | 3,581 |
| Core capital (leverage) ratio | 9.2840% | 4,375 |
| Tier 1 risk-based capital ratio | 11.9415% | 4,452 |
| Total risk-based capital ratio | 12.4989% | 4,699 |
| Memoranda: | ||
| Average total assets | $426,089,000 | 1,653 |
| Average earning assets | $397,423,330 | 1,640 |
| Average equity | $42,784,000 | 1,839 |
| Average total loans | $297,733,330 | 1,632 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 2,877 |
| Cost of funding earning assets | 1.1776% | 962 |
| Net interest margin | 3.3195% | 4,115 |
| Noninterest income to average assets | 0.3490% | 3,524 |
| Noninterest expense to average assets | 2.7847% | 2,622 |
| Loan and lease loss provision to assets | 0.5508% | 188 |
| Net operating income to assets | 0.0989% | 5,091 |
| Return on assets (ROA) | 0.1952% | 5,017 |
| Pretax return on assets | 0.2177% | 5,021 |
| Return on Equity (ROE) | 1.9823% | 4,968 |
| Retained earnings to average equity (ytd only) | -1.3533% | 4,690 |
| Net charge-offs to loans | 1.4039% | 92 |
| Credit loss provision to net charge-offs | 55.5871% | 1,939 |
| Earnings coverage of net charge-offs (x) | 0.6676% | 2,650 |
| Efficiency ratio | 80.2614% | 1,038 |
| Assets per employee ($millions) | 4.7750% | 2,820 |
| Cash dividends to net income (ytd only)* | 168.2692% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5988% | 4,938 |
| Loan loss allowance to noncurrent loans | 86.6502% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.3749% | 922 |
| Noncurrent loans to loans | 0.6911% | 2,293 |
| Net loans and leases to total assets | 68.7081% | 2,656 |
| Net loans and leases to deposits | 85.0813% | 2,243 |
| Net loans and leases to core deposits | 105.0119% | 1,246 |
| Total domestic deposits to total assets | 80.7559% | 4,013 |
| Equity capital to assets | 10.0003% | 3,829 |
| Core capital (leverage) ratio | 9.2407% | 4,420 |
| Tier 1 risk-based capital ratio | 11.7312% | 4,602 |
| Total risk-based capital ratio | 12.2638% | 4,870 |
| Memoranda: | ||
| Average total assets | $426,324,500 | 1,656 |
| Average earning assets | $397,768,000 | 1,647 |
| Average equity | $41,972,500 | 1,856 |
| Average total loans | $300,867,000 | 1,629 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 2,512 |
| Cost of funding earning assets | 0.9666% | 855 |
| Net interest margin | 3.5155% | 3,655 |
| Noninterest income to average assets | 0.6717% | 1,955 |
| Noninterest expense to average assets | 2.8732% | 2,442 |
| Loan and lease loss provision to assets | 0.7578% | 131 |
| Net operating income to assets | 0.3174% | 4,984 |
| Return on assets (ROA) | 0.3323% | 4,966 |
| Pretax return on assets | 0.3496% | 5,002 |
| Return on Equity (ROE) | 3.5154% | 4,818 |
| Retained earnings to average equity (ytd only) | 0.7922% | 4,777 |
| Net charge-offs to loans | 1.5361% | 75 |
| Credit loss provision to net charge-offs | 66.5844% | 3,034 |
| Earnings coverage of net charge-offs (x) | 0.9593% | 3,665 |
| Efficiency ratio | 71.9868% | 1,902 |
| Assets per employee ($millions) | 4.8053% | 2,735 |
| Cash dividends to net income (ytd only)* | 77.4648% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 4,753 |
| Loan loss allowance to noncurrent loans | 78.4231% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.5025% | 784 |
| Noncurrent loans to loans | 0.9225% | 1,740 |
| Net loans and leases to total assets | 71.4925% | 2,347 |
| Net loans and leases to deposits | 88.6364% | 1,973 |
| Net loans and leases to core deposits | 108.5539% | 1,084 |
| Total domestic deposits to total assets | 80.6581% | 3,965 |
| Equity capital to assets | 9.6910% | 3,961 |
| Core capital (leverage) ratio | 9.3222% | 4,334 |
| Tier 1 risk-based capital ratio | 11.8915% | 4,505 |
| Total risk-based capital ratio | 12.5732% | 4,710 |
| Memoranda: | ||
| Average total assets | $427,292,400 | 1,601 |
| Average earning assets | $400,283,200 | 1,588 |
| Average equity | $40,393,200 | 1,844 |
| Average total loans | $316,589,200 | 1,529 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 2,446 |
| Cost of funding earning assets | 0.9175% | 855 |
| Net interest margin | 3.5388% | 3,561 |
| Noninterest income to average assets | 0.6642% | 2,006 |
| Noninterest expense to average assets | 2.9516% | 2,158 |
| Loan and lease loss provision to assets | 0.8826% | 99 |
| Net operating income to assets | 0.1104% | 5,250 |
| Return on assets (ROA) | 0.1255% | 5,233 |
| Pretax return on assets | 0.1679% | 5,221 |
| Return on Equity (ROE) | 1.3356% | 5,203 |
| Retained earnings to average equity (ytd only) | -2.3191% | 5,216 |
| Net charge-offs to loans | 1.9698% | 48 |
| Credit loss provision to net charge-offs | 60.0552% | 2,745 |
| Earnings coverage of net charge-offs (x) | 0.7018% | 3,394 |
| Efficiency ratio | 73.6248% | 1,652 |
| Assets per employee ($millions) | 4.6220% | 2,955 |
| Cash dividends to net income (ytd only)* | 273.6301% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 4,974 |
| Loan loss allowance to noncurrent loans | 41.7762% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 2.0862% | 497 |
| Noncurrent loans to loans | 1.5509% | 1,033 |
| Net loans and leases to total assets | 72.6554% | 2,223 |
| Net loans and leases to deposits | 90.3955% | 1,840 |
| Net loans and leases to core deposits | 111.7284% | 925 |
| Total domestic deposits to total assets | 80.3750% | 4,025 |
| Equity capital to assets | 9.2598% | 4,312 |
| Core capital (leverage) ratio | 8.6935% | 4,960 |
| Tier 1 risk-based capital ratio | 11.4395% | 4,829 |
| Total risk-based capital ratio | 12.0522% | 5,027 |
| Memoranda: | ||
| Average total assets | $427,197,250 | 1,614 |
| Average earning assets | $400,653,500 | 1,594 |
| Average equity | $40,130,000 | 1,853 |
| Average total loans | $318,741,000 | 1,526 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 2,406 |
| Cost of funding earning assets | 0.8767% | 805 |
| Net interest margin | 3.5259% | 3,549 |
| Noninterest income to average assets | 0.6261% | 2,198 |
| Noninterest expense to average assets | 2.9429% | 2,218 |
| Loan and lease loss provision to assets | 0.1898% | 922 |
| Net operating income to assets | 0.7636% | 3,982 |
| Return on assets (ROA) | 0.7667% | 3,975 |
| Pretax return on assets | 0.8080% | 4,222 |
| Return on Equity (ROE) | 8.1245% | 3,447 |
| Retained earnings to average equity (ytd only) | 4.4360% | 3,378 |
| Net charge-offs to loans | 0.3480% | 457 |
| Credit loss provision to net charge-offs | 72.6465% | 2,326 |
| Earnings coverage of net charge-offs (x) | 3.8064% | 2,850 |
| Efficiency ratio | 74.2574% | 1,672 |
| Assets per employee ($millions) | 4.6340% | 2,915 |
| Cash dividends to net income (ytd only)* | 45.3995% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,794 |
| Loan loss allowance to noncurrent loans | 66.8112% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.1418% | 477 |
| Noncurrent loans to loans | 1.7800% | 879 |
| Net loans and leases to total assets | 72.0708% | 2,261 |
| Net loans and leases to deposits | 88.9838% | 1,983 |
| Net loans and leases to core deposits | 111.9732% | 888 |
| Total domestic deposits to total assets | 80.9932% | 4,001 |
| Equity capital to assets | 9.5618% | 4,039 |
| Core capital (leverage) ratio | 9.1046% | 4,584 |
| Tier 1 risk-based capital ratio | 11.5760% | 4,755 |
| Total risk-based capital ratio | 12.6915% | 4,718 |
| Memoranda: | ||
| Average total assets | $430,936,670 | 1,608 |
| Average earning assets | $404,720,000 | 1,594 |
| Average equity | $40,667,000 | 1,838 |
| Average total loans | $323,587,330 | 1,507 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 2,248 |
| Cost of funding earning assets | 0.8434% | 788 |
| Net interest margin | 3.5413% | 3,381 |
| Noninterest income to average assets | 0.6712% | 1,952 |
| Noninterest expense to average assets | 3.0127% | 2,035 |
| Loan and lease loss provision to assets | 0.2798% | 486 |
| Net operating income to assets | 0.6771% | 4,182 |
| Return on assets (ROA) | 0.6832% | 4,163 |
| Pretax return on assets | 0.7192% | 4,388 |
| Return on Equity (ROE) | 7.2874% | 3,671 |
| Retained earnings to average equity (ytd only) | 3.3483% | 3,869 |
| Net charge-offs to loans | 0.0606% | 1,498 |
| Credit loss provision to net charge-offs | 606.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,430 |
| Efficiency ratio | 74.7580% | 1,788 |
| Assets per employee ($millions) | 4.8405% | 2,690 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,405 |
| Loan loss allowance to noncurrent loans | 43.9178% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.6070% | 344 |
| Noncurrent loans to loans | 2.8891% | 426 |
| Net loans and leases to total assets | 74.1453% | 1,834 |
| Net loans and leases to deposits | 91.2444% | 1,529 |
| Net loans and leases to core deposits | 115.1214% | 755 |
| Total domestic deposits to total assets | 81.2601% | 4,144 |
| Equity capital to assets | 9.3076% | 4,261 |
| Core capital (leverage) ratio | 8.7991% | 4,893 |
| Tier 1 risk-based capital ratio | 11.0138% | 5,124 |
| Total risk-based capital ratio | 12.2101% | 5,054 |
| Memoranda: | ||
| Average total assets | $433,239,500 | 1,611 |
| Average earning assets | $407,871,000 | 1,593 |
| Average equity | $40,618,000 | 1,846 |
| Average total loans | $329,902,000 | 1,490 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 2,067 |
| Cost of funding earning assets | 0.7453% | 838 |
| Net interest margin | 3.6413% | 3,020 |
| Noninterest income to average assets | 0.5445% | 2,750 |
| Noninterest expense to average assets | 2.7474% | 2,965 |
| Loan and lease loss provision to assets | 1.5122% | 54 |
| Net operating income to assets | -0.2836% | 5,471 |
| Return on assets (ROA) | -0.2669% | 5,464 |
| Pretax return on assets | -0.2669% | 5,514 |
| Return on Equity (ROE) | -2.7835% | 5,483 |
| Retained earnings to average equity (ytd only) | -5.2019% | 5,436 |
| Net charge-offs to loans | 1.9397% | 73 |
| Credit loss provision to net charge-offs | 102.4509% | 2,499 |
| Earnings coverage of net charge-offs (x) | 0.8324% | 3,957 |
| Efficiency ratio | 68.6283% | 2,771 |
| Assets per employee ($millions) | 4.9508% | 2,538 |
| Cash dividends to net income (ytd only)* | -86.8810% | 5,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,082 |
| Loan loss allowance to noncurrent loans | 74.2103% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.6242% | 812 |
| Noncurrent loans to loans | 1.5440% | 1,095 |
| Net loans and leases to total assets | 76.3012% | 1,542 |
| Net loans and leases to deposits | 94.8144% | 1,190 |
| Net loans and leases to core deposits | 117.3748% | 672 |
| Total domestic deposits to total assets | 80.4743% | 4,254 |
| Equity capital to assets | 9.4424% | 4,279 |
| Core capital (leverage) ratio | 8.8066% | 4,854 |
| Tier 1 risk-based capital ratio | 10.8392% | 5,239 |
| Total risk-based capital ratio | 11.9511% | 5,187 |
| Memoranda: | ||
| Average total assets | $431,236,400 | 1,609 |
| Average earning assets | $406,388,800 | 1,576 |
| Average equity | $41,350,200 | 1,802 |
| Average total loans | $328,138,600 | 1,454 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3561% | 2,091 |
| Cost of funding earning assets | 0.7227% | 873 |
| Net interest margin | 3.6334% | 3,025 |
| Noninterest income to average assets | 0.5449% | 2,750 |
| Noninterest expense to average assets | 2.7272% | 2,974 |
| Loan and lease loss provision to assets | 2.0192% | 39 |
| Net operating income to assets | -0.7830% | 5,659 |
| Return on assets (ROA) | -0.7672% | 5,661 |
| Pretax return on assets | -0.7604% | 5,648 |
| Return on Equity (ROE) | -7.9702% | 5,658 |
| Retained earnings to average equity (ytd only) | -11.1905% | 5,622 |
| Net charge-offs to loans | 2.3039% | 66 |
| Credit loss provision to net charge-offs | 115.5989% | 2,070 |
| Earnings coverage of net charge-offs (x) | 0.7116% | 3,640 |
| Efficiency ratio | 68.2152% | 2,838 |
| Assets per employee ($millions) | 4.7631% | 2,741 |
| Cash dividends to net income (ytd only)* | -40.4040% | 5,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 1,943 |
| Loan loss allowance to noncurrent loans | 63.8699% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.8448% | 734 |
| Noncurrent loans to loans | 2.1748% | 751 |
| Net loans and leases to total assets | 75.7646% | 1,624 |
| Net loans and leases to deposits | 95.1439% | 1,187 |
| Net loans and leases to core deposits | 117.4825% | 683 |
| Total domestic deposits to total assets | 79.6317% | 4,412 |
| Equity capital to assets | 9.4752% | 4,469 |
| Core capital (leverage) ratio | 8.4700% | 5,264 |
| Tier 1 risk-based capital ratio | 10.6848% | 5,377 |
| Total risk-based capital ratio | 11.9361% | 5,307 |
| Memoranda: | ||
| Average total assets | $430,127,750 | 1,617 |
| Average earning assets | $405,490,000 | 1,591 |
| Average equity | $41,403,250 | 1,820 |
| Average total loans | $326,104,500 | 1,470 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 1,971 |
| Cost of funding earning assets | 0.6926% | 928 |
| Net interest margin | 3.6587% | 2,799 |
| Noninterest income to average assets | 0.5380% | 2,776 |
| Noninterest expense to average assets | 2.7694% | 2,865 |
| Loan and lease loss provision to assets | 0.1425% | 1,436 |
| Net operating income to assets | 1.0188% | 2,339 |
| Return on assets (ROA) | 1.0306% | 2,329 |
| Pretax return on assets | 1.0889% | 3,222 |
| Return on Equity (ROE) | 10.2738% | 1,923 |
| Retained earnings to average equity (ytd only) | 0.6917% | 4,924 |
| Net charge-offs to loans | 0.0294% | 2,619 |
| Credit loss provision to net charge-offs | 641.6667% | 534 |
| Earnings coverage of net charge-offs (x) | 54.8958% | 1,008 |
| Efficiency ratio | 68.9631% | 2,855 |
| Assets per employee ($millions) | 4.7396% | 2,734 |
| Cash dividends to net income (ytd only)* | 93.2675% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,980 |
| Loan loss allowance to noncurrent loans | 143.3333% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 2,126 |
| Noncurrent loans to loans | 0.8410% | 2,302 |
| Net loans and leases to total assets | 75.1739% | 1,666 |
| Net loans and leases to deposits | 93.7436% | 1,288 |
| Net loans and leases to core deposits | 109.7433% | 1,015 |
| Total domestic deposits to total assets | 80.1910% | 4,365 |
| Equity capital to assets | 10.2817% | 3,589 |
| Core capital (leverage) ratio | 9.2967% | 4,370 |
| Tier 1 risk-based capital ratio | 11.8676% | 4,719 |
| Total risk-based capital ratio | 13.0435% | 4,654 |
| Memoranda: | ||
| Average total assets | $432,361,670 | 1,612 |
| Average earning assets | $407,738,670 | 1,590 |
| Average equity | $43,372,670 | 1,721 |
| Average total loans | $326,497,330 | 1,471 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 1,951 |
| Cost of funding earning assets | 0.6794% | 930 |
| Net interest margin | 3.6214% | 2,814 |
| Noninterest income to average assets | 0.6015% | 2,409 |
| Noninterest expense to average assets | 2.8229% | 2,711 |
| Loan and lease loss provision to assets | 0.1423% | 1,320 |
| Net operating income to assets | 0.9881% | 2,356 |
| Return on assets (ROA) | 0.9933% | 2,387 |
| Pretax return on assets | 1.0552% | 3,153 |
| Return on Equity (ROE) | 10.0266% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.0266% | 799 |
| Net charge-offs to loans | -0.0430% | 5,114 |
| Credit loss provision to net charge-offs | -440.0000% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8504% | 2,919 |
| Assets per employee ($millions) | 4.9409% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 3,143 |
| Loan loss allowance to noncurrent loans | 99.4369% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 1,506 |
| Noncurrent loans to loans | 1.2060% | 1,676 |
| Net loans and leases to total assets | 73.6175% | 1,801 |
| Net loans and leases to deposits | 90.6603% | 1,463 |
| Net loans and leases to core deposits | 105.7139% | 1,121 |
| Total domestic deposits to total assets | 81.2014% | 4,370 |
| Equity capital to assets | 10.0552% | 3,689 |
| Core capital (leverage) ratio | 8.6727% | 5,074 |
| Tier 1 risk-based capital ratio | 11.0295% | 5,291 |
| Total risk-based capital ratio | 12.1831% | 5,262 |
| Memoranda: | ||
| Average total assets | $432,888,500 | 1,628 |
| Average earning assets | $408,017,000 | 1,598 |
| Average equity | $42,886,000 | 1,742 |
| Average total loans | $325,652,500 | 1,481 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 1,901 |
| Cost of funding earning assets | 0.6468% | 1,073 |
| Net interest margin | 3.7276% | 2,585 |
| Noninterest income to average assets | 0.5216% | 3,090 |
| Noninterest expense to average assets | 2.7659% | 3,135 |
| Loan and lease loss provision to assets | 0.7453% | 154 |
| Net operating income to assets | 0.4815% | 4,705 |
| Return on assets (ROA) | 0.5027% | 4,694 |
| Pretax return on assets | 0.5451% | 4,931 |
| Return on Equity (ROE) | 4.6610% | 4,581 |
| Retained earnings to average equity (ytd only) | 1.8547% | 4,478 |
| Net charge-offs to loans | 0.6454% | 344 |
| Credit loss provision to net charge-offs | 150.9117% | 1,810 |
| Earnings coverage of net charge-offs (x) | 2.5662% | 3,810 |
| Efficiency ratio | 68.1532% | 3,208 |
| Assets per employee ($millions) | 4.6845% | 2,813 |
| Cash dividends to net income (ytd only)* | 60.2074% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,548 |
| Loan loss allowance to noncurrent loans | 244.9304% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 2,639 |
| Noncurrent loans to loans | 0.4610% | 3,507 |
| Net loans and leases to total assets | 75.0934% | 1,674 |
| Net loans and leases to deposits | 92.3772% | 1,396 |
| Net loans and leases to core deposits | 106.8917% | 1,072 |
| Total domestic deposits to total assets | 81.2900% | 4,263 |
| Equity capital to assets | 9.7573% | 4,001 |
| Core capital (leverage) ratio | 9.3781% | 4,249 |
| Tier 1 risk-based capital ratio | 11.6621% | 4,949 |
| Total risk-based capital ratio | 12.7428% | 4,962 |
| Memoranda: | ||
| Average total assets | $421,961,000 | 1,612 |
| Average earning assets | $397,526,000 | 1,579 |
| Average equity | $45,505,200 | 1,654 |
| Average total loans | $322,908,400 | 1,441 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 1,948 |
| Cost of funding earning assets | 0.6602% | 1,005 |
| Net interest margin | 3.7088% | 2,687 |
| Noninterest income to average assets | 0.5051% | 3,218 |
| Noninterest expense to average assets | 2.7609% | 3,142 |
| Loan and lease loss provision to assets | 0.4702% | 277 |
| Net operating income to assets | 0.7274% | 3,707 |
| Return on assets (ROA) | 0.7564% | 3,707 |
| Pretax return on assets | 0.7990% | 4,315 |
| Return on Equity (ROE) | 6.8464% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.7688% | 1,742 |
| Net charge-offs to loans | 0.4450% | 478 |
| Credit loss provision to net charge-offs | 137.8026% | 1,888 |
| Earnings coverage of net charge-offs (x) | 3.6304% | 3,382 |
| Efficiency ratio | 68.6180% | 3,119 |
| Assets per employee ($millions) | 5.0768% | 2,285 |
| Cash dividends to net income (ytd only)* | 1.1340% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 4,724 |
| Loan loss allowance to noncurrent loans | 91.3213% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 2,046 |
| Noncurrent loans to loans | 1.0255% | 2,196 |
| Net loans and leases to total assets | 76.3420% | 1,469 |
| Net loans and leases to deposits | 96.4301% | 1,007 |
| Net loans and leases to core deposits | 110.7574% | 874 |
| Total domestic deposits to total assets | 79.1682% | 4,685 |
| Equity capital to assets | 11.0443% | 2,961 |
| Core capital (leverage) ratio | 9.9637% | 3,617 |
| Tier 1 risk-based capital ratio | 12.3131% | 4,599 |
| Total risk-based capital ratio | 13.2146% | 4,708 |
| Memoranda: | ||
| Average total assets | $419,706,750 | 1,617 |
| Average earning assets | $395,446,250 | 1,588 |
| Average equity | $46,368,500 | 1,637 |
| Average total loans | $321,802,500 | 1,446 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 2,423 |
| Cost of funding earning assets | 0.6186% | 1,204 |
| Net interest margin | 3.6077% | 3,074 |
| Noninterest income to average assets | 0.4998% | 3,193 |
| Noninterest expense to average assets | 2.7652% | 3,148 |
| Loan and lease loss provision to assets | 0.4172% | 355 |
| Net operating income to assets | 0.6945% | 3,815 |
| Return on assets (ROA) | 0.7350% | 3,790 |
| Pretax return on assets | 0.7781% | 4,359 |
| Return on Equity (ROE) | 6.7361% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.6339% | 1,790 |
| Net charge-offs to loans | 0.0112% | 3,329 |
| Credit loss provision to net charge-offs | 4,841.1765% | 89 |
| Earnings coverage of net charge-offs (x) | 133.7059% | 444 |
| Efficiency ratio | 70.1863% | 2,947 |
| Assets per employee ($millions) | 4.8027% | 2,554 |
| Cash dividends to net income (ytd only)* | 1.5172% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 4,110 |
| Loan loss allowance to noncurrent loans | 118.5734% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 2,837 |
| Noncurrent loans to loans | 0.9027% | 2,480 |
| Net loans and leases to total assets | 76.1173% | 1,475 |
| Net loans and leases to deposits | 94.3779% | 1,249 |
| Net loans and leases to core deposits | 106.8905% | 1,111 |
| Total domestic deposits to total assets | 80.6516% | 4,377 |
| Equity capital to assets | 11.0451% | 3,013 |
| Core capital (leverage) ratio | 10.5068% | 2,966 |
| Tier 1 risk-based capital ratio | 12.1855% | 4,707 |
| Total risk-based capital ratio | 13.2167% | 4,761 |
| Memoranda: | ||
| Average total assets | $394,540,000 | 1,710 |
| Average earning assets | $373,751,670 | 1,670 |
| Average equity | $43,051,670 | 1,734 |
| Average total loans | $304,423,330 | 1,508 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 2,307 |
| Cost of funding earning assets | 0.6147% | 1,242 |
| Net interest margin | 3.6343% | 2,941 |
| Noninterest income to average assets | 0.5244% | 2,964 |
| Noninterest expense to average assets | 2.7882% | 3,118 |
| Loan and lease loss provision to assets | 0.1619% | 1,281 |
| Net operating income to assets | 0.9792% | 2,374 |
| Return on assets (ROA) | 0.9851% | 2,460 |
| Pretax return on assets | 1.0332% | 3,347 |
| Return on Equity (ROE) | 9.0886% | 2,384 |
| Retained earnings to average equity (ytd only) | 9.0886% | 1,093 |
| Net charge-offs to loans | -0.0257% | 4,991 |
| Credit loss provision to net charge-offs | -815.7895% | 4,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1077% | 3,103 |
| Assets per employee ($millions) | 5.0672% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,859 |
| Loan loss allowance to noncurrent loans | 249.2458% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 3,812 |
| Noncurrent loans to loans | 0.3805% | 4,076 |
| Net loans and leases to total assets | 77.1935% | 1,221 |
| Net loans and leases to deposits | 95.2781% | 1,013 |
| Net loans and leases to core deposits | 108.9010% | 919 |
| Total domestic deposits to total assets | 81.0192% | 4,491 |
| Equity capital to assets | 11.0644% | 2,870 |
| Core capital (leverage) ratio | 10.1368% | 3,384 |
| Tier 1 risk-based capital ratio | 12.4805% | 4,585 |
| Total risk-based capital ratio | 13.3942% | 4,719 |
| Memoranda: | ||
| Average total assets | $382,893,500 | 1,749 |
| Average earning assets | $363,752,000 | 1,710 |
| Average equity | $41,502,500 | 1,781 |
| Average total loans | $295,893,000 | 1,531 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 1,960 |
| Cost of funding earning assets | 0.6350% | 1,153 |
| Net interest margin | 3.7475% | 2,568 |
| Noninterest income to average assets | 0.5373% | 3,092 |
| Noninterest expense to average assets | 2.7961% | 3,244 |
| Loan and lease loss provision to assets | 0.4209% | 309 |
| Net operating income to assets | 0.8597% | 3,070 |
| Return on assets (ROA) | 0.8634% | 3,125 |
| Pretax return on assets | 0.8936% | 3,861 |
| Return on Equity (ROE) | 7.8074% | 3,067 |
| Retained earnings to average equity (ytd only) | -2.9060% | 5,814 |
| Net charge-offs to loans | 0.6375% | 373 |
| Credit loss provision to net charge-offs | 87.0711% | 2,812 |
| Earnings coverage of net charge-offs (x) | 2.7114% | 3,845 |
| Efficiency ratio | 68.0851% | 3,559 |
| Assets per employee ($millions) | 5.0757% | 2,275 |
| Cash dividends to net income (ytd only)* | 137.2213% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 5,115 |
| Loan loss allowance to noncurrent loans | 286.7247% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 4,063 |
| Noncurrent loans to loans | 0.3109% | 4,343 |
| Net loans and leases to total assets | 75.9502% | 1,429 |
| Net loans and leases to deposits | 93.3827% | 1,266 |
| Net loans and leases to core deposits | 106.6767% | 1,069 |
| Total domestic deposits to total assets | 81.3322% | 4,392 |
| Equity capital to assets | 10.6172% | 3,224 |
| Core capital (leverage) ratio | 10.0389% | 3,458 |
| Tier 1 risk-based capital ratio | 12.2544% | 4,789 |
| Total risk-based capital ratio | 13.1157% | 4,943 |
| Memoranda: | ||
| Average total assets | $337,613,400 | 1,944 |
| Average earning assets | $321,570,400 | 1,885 |
| Average equity | $37,336,200 | 1,918 |
| Average total loans | $256,017,000 | 1,692 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 2,041 |
| Cost of funding earning assets | 0.6345% | 1,178 |
| Net interest margin | 3.7274% | 2,656 |
| Noninterest income to average assets | 0.5533% | 3,031 |
| Noninterest expense to average assets | 2.7483% | 3,390 |
| Loan and lease loss provision to assets | 0.3317% | 418 |
| Net operating income to assets | 0.9754% | 2,593 |
| Return on assets (ROA) | 0.9812% | 2,647 |
| Pretax return on assets | 1.0328% | 3,493 |
| Return on Equity (ROE) | 8.7688% | 2,692 |
| Retained earnings to average equity (ytd only) | 3.6451% | 3,875 |
| Net charge-offs to loans | 0.4139% | 618 |
| Credit loss provision to net charge-offs | 106.0209% | 2,169 |
| Earnings coverage of net charge-offs (x) | 4.3416% | 3,362 |
| Efficiency ratio | 66.9226% | 3,726 |
| Assets per employee ($millions) | 4.8209% | 2,529 |
| Cash dividends to net income (ytd only)* | 58.4307% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 4,044 |
| Loan loss allowance to noncurrent loans | 386.6310% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 4,025 |
| Noncurrent loans to loans | 0.2931% | 4,538 |
| Net loans and leases to total assets | 76.9530% | 1,255 |
| Net loans and leases to deposits | 95.0502% | 1,090 |
| Net loans and leases to core deposits | 109.7194% | 892 |
| Total domestic deposits to total assets | 80.9603% | 4,485 |
| Equity capital to assets | 11.1421% | 2,861 |
| Core capital (leverage) ratio | 11.1165% | 2,379 |
| Tier 1 risk-based capital ratio | 13.5015% | 4,140 |
| Total risk-based capital ratio | 14.5822% | 4,153 |
| Memoranda: | ||
| Average total assets | $325,579,250 | 2,032 |
| Average earning assets | $310,374,250 | 1,968 |
| Average equity | $36,431,250 | 1,973 |
| Average total loans | $246,118,000 | 1,760 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,082 |
| Cost of funding earning assets | 0.6289% | 1,237 |
| Net interest margin | 3.7012% | 2,700 |
| Noninterest income to average assets | 0.5363% | 3,131 |
| Noninterest expense to average assets | 2.7202% | 3,526 |
| Loan and lease loss provision to assets | 0.3115% | 473 |
| Net operating income to assets | 0.9816% | 2,493 |
| Return on assets (ROA) | 0.9857% | 2,578 |
| Pretax return on assets | 1.0381% | 3,426 |
| Return on Equity (ROE) | 8.7968% | 2,657 |
| Retained earnings to average equity (ytd only) | 7.4231% | 1,507 |
| Net charge-offs to loans | 0.6236% | 372 |
| Credit loss provision to net charge-offs | 66.7546% | 2,507 |
| Earnings coverage of net charge-offs (x) | 2.8826% | 3,277 |
| Efficiency ratio | 66.9090% | 3,851 |
| Assets per employee ($millions) | 4.7139% | 2,655 |
| Cash dividends to net income (ytd only)* | 15.6152% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 4,609 |
| Loan loss allowance to noncurrent loans | 978.8679% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 4,288 |
| Noncurrent loans to loans | 0.1072% | 5,318 |
| Net loans and leases to total assets | 75.1885% | 1,479 |
| Net loans and leases to deposits | 93.4240% | 1,208 |
| Net loans and leases to core deposits | 105.1171% | 1,120 |
| Total domestic deposits to total assets | 80.4810% | 4,752 |
| Equity capital to assets | 11.2994% | 2,573 |
| Core capital (leverage) ratio | 11.3168% | 2,152 |
| Tier 1 risk-based capital ratio | 13.9946% | 3,928 |
| Total risk-based capital ratio | 14.9895% | 4,013 |
| Memoranda: | ||
| Average total assets | $324,832,000 | 2,049 |
| Average earning assets | $309,738,670 | 1,978 |
| Average equity | $36,399,670 | 1,977 |
| Average total loans | $243,104,000 | 1,789 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 2,066 |
| Cost of funding earning assets | 0.6317% | 1,224 |
| Net interest margin | 3.6778% | 2,710 |
| Noninterest income to average assets | 0.5385% | 3,033 |
| Noninterest expense to average assets | 2.7355% | 3,465 |
| Loan and lease loss provision to assets | 0.2489% | 669 |
| Net operating income to assets | 1.0124% | 2,203 |
| Return on assets (ROA) | 1.0277% | 2,281 |
| Pretax return on assets | 1.0782% | 3,174 |
| Return on Equity (ROE) | 9.2095% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.2095% | 1,128 |
| Net charge-offs to loans | -0.0747% | 5,720 |
| Credit loss provision to net charge-offs | -448.8889% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6005% | 3,890 |
| Assets per employee ($millions) | 4.6424% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 3,524 |
| Loan loss allowance to noncurrent loans | 1,272.8395% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 4,388 |
| Noncurrent loans to loans | 0.1005% | 5,397 |
| Net loans and leases to total assets | 74.5349% | 1,423 |
| Net loans and leases to deposits | 93.2954% | 1,060 |
| Net loans and leases to core deposits | 103.6551% | 1,086 |
| Total domestic deposits to total assets | 79.8912% | 5,075 |
| Equity capital to assets | 11.4692% | 2,494 |
| Core capital (leverage) ratio | 11.1870% | 2,239 |
| Tier 1 risk-based capital ratio | 14.0927% | 3,946 |
| Total risk-based capital ratio | 15.3045% | 3,894 |
| Memoranda: | ||
| Average total assets | $324,619,500 | 2,055 |
| Average earning assets | $309,638,000 | 1,991 |
| Average equity | $36,223,500 | 1,997 |
| Average total loans | $241,081,000 | 1,801 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,406 |
| Cost of funding earning assets | 0.8214% | 580 |
| Net interest margin | 3.5294% | 3,688 |
| Noninterest income to average assets | 0.5352% | 3,269 |
| Noninterest expense to average assets | 2.6500% | 4,055 |
| Loan and lease loss provision to assets | 0.1898% | 1,349 |
| Net operating income to assets | 1.0016% | 2,374 |
| Return on assets (ROA) | 1.0579% | 2,194 |
| Pretax return on assets | 1.1134% | 3,033 |
| Return on Equity (ROE) | 9.8138% | 2,193 |
| Retained earnings to average equity (ytd only) | 4.9705% | 2,620 |
| Net charge-offs to loans | 0.1047% | 3,013 |
| Credit loss provision to net charge-offs | 256.9620% | 994 |
| Earnings coverage of net charge-offs (x) | 16.8397% | 1,980 |
| Efficiency ratio | 68.0541% | 3,894 |
| Assets per employee ($millions) | 4.9091% | 2,437 |
| Cash dividends to net income (ytd only)* | 49.3518% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 4,105 |
| Loan loss allowance to noncurrent loans | 1,161.6327% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 4,959 |
| Noncurrent loans to loans | 0.1020% | 5,487 |
| Net loans and leases to total assets | 72.1980% | 1,874 |
| Net loans and leases to deposits | 92.2406% | 1,262 |
| Net loans and leases to core deposits | 101.3833% | 1,285 |
| Total domestic deposits to total assets | 78.2713% | 5,384 |
| Equity capital to assets | 10.8564% | 3,055 |
| Core capital (leverage) ratio | 11.0200% | 2,395 |
| Tier 1 risk-based capital ratio | 12.9327% | 4,767 |
| Total risk-based capital ratio | 13.9803% | 4,811 |
| Memoranda: | ||
| Average total assets | $320,830,800 | 2,024 |
| Average earning assets | $305,325,000 | 1,966 |
| Average equity | $34,583,800 | 2,016 |
| Average total loans | $226,266,200 | 1,856 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 2,372 |
| Cost of funding earning assets | 0.8630% | 508 |
| Net interest margin | 3.5008% | 3,828 |
| Noninterest income to average assets | 0.5119% | 3,466 |
| Noninterest expense to average assets | 2.7000% | 3,824 |
| Loan and lease loss provision to assets | 0.1899% | 1,281 |
| Net operating income to assets | 0.9050% | 2,894 |
| Return on assets (ROA) | 0.9928% | 2,544 |
| Pretax return on assets | 1.0430% | 3,415 |
| Return on Equity (ROE) | 9.2274% | 2,574 |
| Retained earnings to average equity (ytd only) | 7.0896% | 1,773 |
| Net charge-offs to loans | 0.0688% | 3,214 |
| Credit loss provision to net charge-offs | 394.7826% | 709 |
| Earnings coverage of net charge-offs (x) | 23.7130% | 1,578 |
| Efficiency ratio | 70.3038% | 3,457 |
| Assets per employee ($millions) | 4.8296% | 2,479 |
| Cash dividends to net income (ytd only)* | 23.1678% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 4,013 |
| Loan loss allowance to noncurrent loans | 1,107.4803% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 5,037 |
| Noncurrent loans to loans | 0.1121% | 5,593 |
| Net loans and leases to total assets | 70.2278% | 2,161 |
| Net loans and leases to deposits | 87.6893% | 1,710 |
| Net loans and leases to core deposits | 95.7312% | 1,692 |
| Total domestic deposits to total assets | 80.0872% | 5,078 |
| Equity capital to assets | 11.1792% | 2,788 |
| Core capital (leverage) ratio | 11.1075% | 2,393 |
| Tier 1 risk-based capital ratio | 13.5649% | 4,494 |
| Total risk-based capital ratio | 14.6478% | 4,545 |
| Memoranda: | ||
| Average total assets | $318,810,750 | 2,053 |
| Average earning assets | $303,122,250 | 1,994 |
| Average equity | $34,302,750 | 2,038 |
| Average total loans | $222,754,500 | 1,887 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,448 |
| Cost of funding earning assets | 0.8758% | 492 |
| Net interest margin | 3.4595% | 3,939 |
| Noninterest income to average assets | 0.4968% | 3,502 |
| Noninterest expense to average assets | 2.7043% | 3,845 |
| Loan and lease loss provision to assets | 0.1863% | 1,311 |
| Net operating income to assets | 0.8520% | 3,062 |
| Return on assets (ROA) | 0.9133% | 2,841 |
| Pretax return on assets | 0.9591% | 3,649 |
| Return on Equity (ROE) | 8.6004% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.6004% | 1,114 |
| Net charge-offs to loans | -0.0063% | 5,215 |
| Credit loss provision to net charge-offs | -4,242.8571% | 5,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4451% | 3,438 |
| Assets per employee ($millions) | 4.7297% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,190 |
| Loan loss allowance to noncurrent loans | 392.9279% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 4,647 |
| Noncurrent loans to loans | 0.3170% | 5,061 |
| Net loans and leases to total assets | 69.4929% | 2,159 |
| Net loans and leases to deposits | 84.6812% | 1,967 |
| Net loans and leases to core deposits | 93.2716% | 1,841 |
| Total domestic deposits to total assets | 82.0641% | 4,625 |
| Equity capital to assets | 11.1020% | 2,787 |
| Core capital (leverage) ratio | 10.9402% | 2,476 |
| Tier 1 risk-based capital ratio | 13.6367% | 4,496 |
| Total risk-based capital ratio | 14.7231% | 4,542 |
| Memoranda: | ||
| Average total assets | $318,829,670 | 2,048 |
| Average earning assets | $303,046,000 | 1,994 |
| Average equity | $33,859,000 | 2,048 |
| Average total loans | $221,450,330 | 1,891 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 2,540 |
| Cost of funding earning assets | 0.8786% | 507 |
| Net interest margin | 3.4169% | 4,042 |
| Noninterest income to average assets | 0.4878% | 3,508 |
| Noninterest expense to average assets | 2.7205% | 3,868 |
| Loan and lease loss provision to assets | 0.1801% | 1,337 |
| Net operating income to assets | 0.7901% | 3,200 |
| Return on assets (ROA) | 0.8055% | 3,205 |
| Pretax return on assets | 0.8480% | 3,911 |
| Return on Equity (ROE) | 7.7595% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.7595% | 1,699 |
| Net charge-offs to loans | -0.0163% | 5,253 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8887% | 3,326 |
| Assets per employee ($millions) | 4.7785% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 4,624 |
| Loan loss allowance to noncurrent loans | 467.4377% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 5,025 |
| Noncurrent loans to loans | 0.2573% | 5,333 |
| Net loans and leases to total assets | 67.3943% | 2,321 |
| Net loans and leases to deposits | 81.3190% | 2,127 |
| Net loans and leases to core deposits | 89.4247% | 1,965 |
| Total domestic deposits to total assets | 82.8765% | 4,650 |
| Equity capital to assets | 10.5681% | 3,183 |
| Core capital (leverage) ratio | 10.6956% | 2,705 |
| Tier 1 risk-based capital ratio | 13.6736% | 4,558 |
| Total risk-based capital ratio | 14.7282% | 4,644 |
| Memoranda: | ||
| Average total assets | $319,799,500 | 2,042 |
| Average earning assets | $303,665,500 | 1,993 |
| Average equity | $33,198,000 | 2,075 |
| Average total loans | $220,678,500 | 1,894 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 2,713 |
| Cost of funding earning assets | 0.9484% | 582 |
| Net interest margin | 3.4165% | 4,214 |
| Noninterest income to average assets | 0.4959% | 3,788 |
| Noninterest expense to average assets | 2.5308% | 4,670 |
| Loan and lease loss provision to assets | 0.3459% | 917 |
| Net operating income to assets | 0.8146% | 3,217 |
| Return on assets (ROA) | 0.8764% | 2,985 |
| Pretax return on assets | 0.9230% | 3,671 |
| Return on Equity (ROE) | 8.4778% | 2,791 |
| Retained earnings to average equity (ytd only) | 3.6626% | 3,613 |
| Net charge-offs to loans | 0.9909% | 591 |
| Credit loss provision to net charge-offs | 52.6017% | 3,757 |
| Earnings coverage of net charge-offs (x) | 1.8307% | 4,439 |
| Efficiency ratio | 67.7634% | 4,243 |
| Assets per employee ($millions) | 4.6976% | 2,590 |
| Cash dividends to net income (ytd only)* | 56.7980% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 5,103 |
| Loan loss allowance to noncurrent loans | 554.7085% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 4,980 |
| Noncurrent loans to loans | 0.2000% | 5,589 |
| Net loans and leases to total assets | 69.0230% | 2,168 |
| Net loans and leases to deposits | 83.8467% | 1,960 |
| Net loans and leases to core deposits | 92.7128% | 1,703 |
| Total domestic deposits to total assets | 82.3205% | 4,761 |
| Equity capital to assets | 10.1932% | 3,516 |
| Core capital (leverage) ratio | 10.5781% | 2,810 |
| Tier 1 risk-based capital ratio | 13.1968% | 4,854 |
| Total risk-based capital ratio | 14.1738% | 4,980 |
| Memoranda: | ||
| Average total assets | $321,435,400 | 2,002 |
| Average earning assets | $304,726,200 | 1,946 |
| Average equity | $33,228,000 | 2,075 |
| Average total loans | $213,335,400 | 1,906 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,758 |
| Cost of funding earning assets | 0.9566% | 616 |
| Net interest margin | 3.3980% | 4,296 |
| Noninterest income to average assets | 0.5028% | 3,785 |
| Noninterest expense to average assets | 2.5512% | 4,547 |
| Loan and lease loss provision to assets | 0.2203% | 1,652 |
| Net operating income to assets | 0.9068% | 2,801 |
| Return on assets (ROA) | 0.9890% | 2,521 |
| Pretax return on assets | 1.0395% | 3,345 |
| Return on Equity (ROE) | 9.5342% | 2,383 |
| Retained earnings to average equity (ytd only) | 3.1461% | 4,428 |
| Net charge-offs to loans | 1.0815% | 524 |
| Credit loss provision to net charge-offs | 31.0929% | 3,873 |
| Earnings coverage of net charge-offs (x) | 1.6558% | 4,289 |
| Efficiency ratio | 68.4977% | 3,995 |
| Assets per employee ($millions) | 4.5862% | 2,745 |
| Cash dividends to net income (ytd only)* | 67.0017% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,377 |
| Loan loss allowance to noncurrent loans | 1,221.8085% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 5,355 |
| Noncurrent loans to loans | 0.0890% | 6,066 |
| Net loans and leases to total assets | 67.0042% | 2,459 |
| Net loans and leases to deposits | 80.7339% | 2,298 |
| Net loans and leases to core deposits | 89.8386% | 1,983 |
| Total domestic deposits to total assets | 82.9939% | 4,574 |
| Equity capital to assets | 10.3452% | 3,455 |
| Core capital (leverage) ratio | 10.5435% | 2,959 |
| Tier 1 risk-based capital ratio | 13.5182% | 4,745 |
| Total risk-based capital ratio | 14.4595% | 4,919 |
| Memoranda: | ||
| Average total assets | $321,935,000 | 2,003 |
| Average earning assets | $305,227,750 | 1,948 |
| Average equity | $33,394,750 | 2,084 |
| Average total loans | $210,929,500 | 1,925 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,936 |
| Cost of funding earning assets | 0.9564% | 696 |
| Net interest margin | 3.3494% | 4,378 |
| Noninterest income to average assets | 0.5134% | 3,752 |
| Noninterest expense to average assets | 2.5454% | 4,578 |
| Loan and lease loss provision to assets | 0.2773% | 1,328 |
| Net operating income to assets | 0.8272% | 3,160 |
| Return on assets (ROA) | 0.9493% | 2,720 |
| Pretax return on assets | 0.9973% | 3,523 |
| Return on Equity (ROE) | 9.1437% | 2,556 |
| Retained earnings to average equity (ytd only) | 4.4060% | 3,466 |
| Net charge-offs to loans | 1.5056% | 347 |
| Credit loss provision to net charge-offs | 28.4184% | 3,622 |
| Earnings coverage of net charge-offs (x) | 1.1745% | 4,146 |
| Efficiency ratio | 68.9540% | 4,017 |
| Assets per employee ($millions) | 4.6273% | 2,610 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,272 |
| Loan loss allowance to noncurrent loans | 228.9628% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4735% | 5,088 |
| Noncurrent loans to loans | 0.4990% | 5,021 |
| Net loans and leases to total assets | 64.3514% | 2,862 |
| Net loans and leases to deposits | 77.3369% | 2,668 |
| Net loans and leases to core deposits | 86.9803% | 2,233 |
| Total domestic deposits to total assets | 83.2092% | 4,623 |
| Equity capital to assets | 10.2582% | 3,589 |
| Core capital (leverage) ratio | 10.3718% | 3,017 |
| Tier 1 risk-based capital ratio | 13.9885% | 4,434 |
| Total risk-based capital ratio | 14.9822% | 4,586 |
| Memoranda: | ||
| Average total assets | $325,292,000 | 1,997 |
| Average earning assets | $308,653,000 | 1,942 |
| Average equity | $33,772,000 | 2,067 |
| Average total loans | $210,819,670 | 1,929 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 2,610 |
| Cost of funding earning assets | 0.9570% | 761 |
| Net interest margin | 3.4179% | 4,053 |
| Noninterest income to average assets | 0.5311% | 3,560 |
| Noninterest expense to average assets | 2.4440% | 4,969 |
| Loan and lease loss provision to assets | 0.0907% | 3,148 |
| Net operating income to assets | 1.1818% | 1,581 |
| Return on assets (ROA) | 1.2220% | 1,576 |
| Pretax return on assets | 1.2837% | 2,281 |
| Return on Equity (ROE) | 11.7037% | 1,500 |
| Retained earnings to average equity (ytd only) | 11.7037% | 747 |
| Net charge-offs to loans | 0.6791% | 904 |
| Credit loss provision to net charge-offs | 20.6612% | 3,025 |
| Earnings coverage of net charge-offs (x) | 3.0331% | 2,861 |
| Efficiency ratio | 64.7228% | 4,882 |
| Assets per employee ($millions) | 4.8252% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 3,719 |
| Loan loss allowance to noncurrent loans | 308.6157% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 5,211 |
| Noncurrent loans to loans | 0.4941% | 5,192 |
| Net loans and leases to total assets | 63.6826% | 2,774 |
| Net loans and leases to deposits | 77.2350% | 2,459 |
| Net loans and leases to core deposits | 86.8791% | 2,026 |
| Total domestic deposits to total assets | 82.4530% | 5,040 |
| Equity capital to assets | 10.7547% | 3,254 |
| Core capital (leverage) ratio | 10.2458% | 3,084 |
| Tier 1 risk-based capital ratio | 13.7962% | 4,653 |
| Total risk-based capital ratio | 15.0471% | 4,614 |
| Memoranda: | ||
| Average total assets | $330,610,500 | 1,985 |
| Average earning assets | $313,881,500 | 1,937 |
| Average equity | $34,519,000 | 2,044 |
| Average total loans | $213,817,000 | 1,919 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 1,757 |
| Cost of funding earning assets | 1.1313% | 799 |
| Net interest margin | 3.7961% | 3,244 |
| Noninterest income to average assets | 0.6009% | 3,273 |
| Noninterest expense to average assets | 2.4043% | 5,395 |
| Loan and lease loss provision to assets | 0.3542% | 1,887 |
| Net operating income to assets | 1.3665% | 1,163 |
| Return on assets (ROA) | 1.3674% | 1,284 |
| Pretax return on assets | 1.4385% | 1,902 |
| Return on Equity (ROE) | 13.2098% | 1,177 |
| Retained earnings to average equity (ytd only) | 5.4813% | 2,391 |
| Net charge-offs to loans | 0.3042% | 3,123 |
| Credit loss provision to net charge-offs | 166.3295% | 1,605 |
| Earnings coverage of net charge-offs (x) | 8.4147% | 2,419 |
| Efficiency ratio | 57.3000% | 5,919 |
| Assets per employee ($millions) | 5.0437% | 2,174 |
| Cash dividends to net income (ytd only)* | 58.5059% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 3,367 |
| Loan loss allowance to noncurrent loans | 305.7168% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 4,684 |
| Noncurrent loans to loans | 0.5202% | 5,232 |
| Net loans and leases to total assets | 63.6493% | 2,959 |
| Net loans and leases to deposits | 77.0606% | 2,649 |
| Net loans and leases to core deposits | 87.8542% | 2,104 |
| Total domestic deposits to total assets | 82.5964% | 4,892 |
| Equity capital to assets | 10.1409% | 3,983 |
| Core capital (leverage) ratio | 9.9937% | 3,408 |
| Tier 1 risk-based capital ratio | 12.8022% | 5,252 |
| Total risk-based capital ratio | 14.0539% | 5,186 |
| Memoranda: | ||
| Average total assets | $324,999,200 | 1,978 |
| Average earning assets | $307,785,600 | 1,924 |
| Average equity | $33,641,800 | 2,053 |
| Average total loans | $227,505,400 | 1,794 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 1,528 |
| Cost of funding earning assets | 1.1768% | 773 |
| Net interest margin | 3.8846% | 2,969 |
| Noninterest income to average assets | 0.6166% | 3,179 |
| Noninterest expense to average assets | 2.4071% | 5,376 |
| Loan and lease loss provision to assets | 0.3837% | 1,680 |
| Net operating income to assets | 1.4295% | 1,159 |
| Return on assets (ROA) | 1.5613% | 1,030 |
| Pretax return on assets | 1.6401% | 1,452 |
| Return on Equity (ROE) | 15.0033% | 901 |
| Retained earnings to average equity (ytd only) | 12.6143% | 425 |
| Net charge-offs to loans | 0.2641% | 3,136 |
| Credit loss provision to net charge-offs | 203.5165% | 1,357 |
| Earnings coverage of net charge-offs (x) | 9.9978% | 2,240 |
| Efficiency ratio | 56.0823% | 6,047 |
| Assets per employee ($millions) | 4.7040% | 2,595 |
| Cash dividends to net income (ytd only)* | 15.9236% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 3,779 |
| Loan loss allowance to noncurrent loans | 359.9587% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 4,843 |
| Noncurrent loans to loans | 0.4275% | 5,592 |
| Net loans and leases to total assets | 69.7790% | 1,953 |
| Net loans and leases to deposits | 85.5706% | 1,656 |
| Net loans and leases to core deposits | 100.0551% | 1,115 |
| Total domestic deposits to total assets | 81.5455% | 5,175 |
| Equity capital to assets | 10.9978% | 3,282 |
| Core capital (leverage) ratio | 10.3093% | 3,153 |
| Tier 1 risk-based capital ratio | 12.9331% | 5,303 |
| Total risk-based capital ratio | 14.1844% | 5,272 |
| Memoranda: | ||
| Average total assets | $321,766,500 | 2,022 |
| Average earning assets | $304,441,250 | 1,961 |
| Average equity | $33,485,000 | 2,075 |
| Average total loans | $229,740,250 | 1,784 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 1,525 |
| Cost of funding earning assets | 1.2004% | 821 |
| Net interest margin | 3.8909% | 2,949 |
| Noninterest income to average assets | 0.6601% | 2,893 |
| Noninterest expense to average assets | 2.3853% | 5,503 |
| Loan and lease loss provision to assets | 0.2798% | 2,348 |
| Net operating income to assets | 1.5973% | 841 |
| Return on assets (ROA) | 1.7004% | 753 |
| Pretax return on assets | 1.7854% | 1,074 |
| Return on Equity (ROE) | 16.6523% | 686 |
| Retained earnings to average equity (ytd only) | 13.0072% | 438 |
| Net charge-offs to loans | 0.0147% | 5,225 |
| Credit loss provision to net charge-offs | 2,652.9412% | 115 |
| Earnings coverage of net charge-offs (x) | 185.5294% | 246 |
| Efficiency ratio | 54.9364% | 6,233 |
| Assets per employee ($millions) | 4.9458% | 2,247 |
| Cash dividends to net income (ytd only)* | 21.8898% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 3,977 |
| Loan loss allowance to noncurrent loans | 377.9847% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 4,973 |
| Noncurrent loans to loans | 0.3986% | 5,737 |
| Net loans and leases to total assets | 69.1180% | 2,084 |
| Net loans and leases to deposits | 85.3998% | 1,671 |
| Net loans and leases to core deposits | 101.1350% | 1,033 |
| Total domestic deposits to total assets | 80.9346% | 5,488 |
| Equity capital to assets | 10.4414% | 3,758 |
| Core capital (leverage) ratio | 9.9260% | 3,518 |
| Tier 1 risk-based capital ratio | 12.4106% | 5,637 |
| Total risk-based capital ratio | 13.6615% | 5,614 |
| Memoranda: | ||
| Average total assets | $322,397,330 | 2,010 |
| Average earning assets | $305,072,000 | 1,950 |
| Average equity | $32,920,330 | 2,090 |
| Average total loans | $230,756,000 | 1,776 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1391% | 1,465 |
| Cost of funding earning assets | 1.2320% | 841 |
| Net interest margin | 3.9071% | 2,892 |
| Noninterest income to average assets | 0.8053% | 2,142 |
| Noninterest expense to average assets | 2.3884% | 5,511 |
| Loan and lease loss provision to assets | 0.2809% | 2,217 |
| Net operating income to assets | 1.7409% | 672 |
| Return on assets (ROA) | 1.8216% | 649 |
| Pretax return on assets | 1.9152% | 852 |
| Return on Equity (ROE) | 18.0463% | 546 |
| Retained earnings to average equity (ytd only) | 18.0463% | 251 |
| Net charge-offs to loans | 0.2314% | 2,767 |
| Credit loss provision to net charge-offs | 167.9104% | 1,520 |
| Earnings coverage of net charge-offs (x) | 12.6194% | 1,587 |
| Efficiency ratio | 53.0799% | 6,427 |
| Assets per employee ($millions) | 4.8183% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 4,805 |
| Loan loss allowance to noncurrent loans | 330.6383% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 5,081 |
| Noncurrent loans to loans | 0.4081% | 5,854 |
| Net loans and leases to total assets | 70.3878% | 1,689 |
| Net loans and leases to deposits | 86.7160% | 1,323 |
| Net loans and leases to core deposits | 103.4373% | 795 |
| Total domestic deposits to total assets | 81.1705% | 5,553 |
| Equity capital to assets | 10.2294% | 3,817 |
| Core capital (leverage) ratio | 9.9059% | 3,489 |
| Tier 1 risk-based capital ratio | 12.0507% | 5,926 |
| Total risk-based capital ratio | 13.2468% | 5,951 |
| Memoranda: | ||
| Average total assets | $320,384,500 | 2,027 |
| Average earning assets | $302,933,000 | 1,965 |
| Average equity | $32,339,000 | 2,127 |
| Average total loans | $231,600,000 | 1,779 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 1,644 |
| Cost of funding earning assets | 1.5288% | 639 |
| Net interest margin | 3.7905% | 3,876 |
| Noninterest income to average assets | 0.4182% | 4,468 |
| Noninterest expense to average assets | 2.6450% | 4,940 |
| Loan and lease loss provision to assets | 0.2477% | 3,731 |
| Net operating income to assets | 1.0388% | 2,048 |
| Return on assets (ROA) | 1.0840% | 2,011 |
| Pretax return on assets | 1.1422% | 2,686 |
| Return on Equity (ROE) | 11.0634% | 1,678 |
| Retained earnings to average equity (ytd only) | 5.6993% | 2,175 |
| Net charge-offs to loans | 0.0962% | 5,387 |
| Credit loss provision to net charge-offs | 352.3364% | 656 |
| Earnings coverage of net charge-offs (x) | 19.0935% | 1,181 |
| Efficiency ratio | 66.3371% | 4,697 |
| Assets per employee ($millions) | 4.9679% | 2,244 |
| Cash dividends to net income (ytd only)* | 48.4848% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 4,925 |
| Loan loss allowance to noncurrent loans | 481.9489% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 5,360 |
| Noncurrent loans to loans | 0.2688% | 6,188 |
| Net loans and leases to total assets | 72.2912% | 1,594 |
| Net loans and leases to deposits | 89.9625% | 1,162 |
| Net loans and leases to core deposits | 107.5313% | 729 |
| Total domestic deposits to total assets | 80.3570% | 5,641 |
| Equity capital to assets | 9.9561% | 4,218 |
| Core capital (leverage) ratio | 9.5746% | 3,911 |
| Tier 1 risk-based capital ratio | 11.3317% | 6,272 |
| Total risk-based capital ratio | 12.4768% | 6,306 |
| Memoranda: | ||
| Average total assets | $304,421,400 | 2,107 |
| Average earning assets | $286,634,400 | 2,045 |
| Average equity | $29,828,200 | 2,212 |
| Average total loans | $222,523,800 | 1,855 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3205% | 1,788 |
| Cost of funding earning assets | 1.6029% | 574 |
| Net interest margin | 3.7175% | 4,259 |
| Noninterest income to average assets | 0.3313% | 5,214 |
| Noninterest expense to average assets | 2.5790% | 5,157 |
| Loan and lease loss provision to assets | 0.2578% | 3,442 |
| Net operating income to assets | 0.9399% | 2,569 |
| Return on assets (ROA) | 0.9580% | 2,662 |
| Pretax return on assets | 1.0111% | 3,362 |
| Return on Equity (ROE) | 9.8188% | 2,266 |
| Retained earnings to average equity (ytd only) | 7.3221% | 1,802 |
| Net charge-offs to loans | 0.0770% | 5,198 |
| Credit loss provision to net charge-offs | 458.2677% | 605 |
| Earnings coverage of net charge-offs (x) | 22.2203% | 1,161 |
| Efficiency ratio | 67.3569% | 4,452 |
| Assets per employee ($millions) | 4.7590% | 2,543 |
| Cash dividends to net income (ytd only)* | 25.4278% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 5,123 |
| Loan loss allowance to noncurrent loans | 299.4893% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 5,229 |
| Noncurrent loans to loans | 0.4258% | 5,987 |
| Net loans and leases to total assets | 73.3860% | 1,431 |
| Net loans and leases to deposits | 92.0279% | 1,009 |
| Net loans and leases to core deposits | 109.1432% | 716 |
| Total domestic deposits to total assets | 79.7432% | 5,816 |
| Equity capital to assets | 10.2171% | 4,060 |
| Core capital (leverage) ratio | 9.9370% | 3,520 |
| Tier 1 risk-based capital ratio | 11.5182% | 6,233 |
| Total risk-based capital ratio | 12.6527% | 6,293 |
| Memoranda: | ||
| Average total assets | $301,040,250 | 2,135 |
| Average earning assets | $283,227,000 | 2,079 |
| Average equity | $29,371,500 | 2,238 |
| Average total loans | $219,938,750 | 1,885 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 1,791 |
| Cost of funding earning assets | 1.7009% | 464 |
| Net interest margin | 3.6264% | 4,624 |
| Noninterest income to average assets | 0.2769% | 5,668 |
| Noninterest expense to average assets | 2.6640% | 4,957 |
| Loan and lease loss provision to assets | 0.2809% | 3,130 |
| Net operating income to assets | 0.6996% | 3,550 |
| Return on assets (ROA) | 0.7027% | 3,640 |
| Pretax return on assets | 0.7449% | 4,231 |
| Return on Equity (ROE) | 7.3218% | 3,285 |
| Retained earnings to average equity (ytd only) | 3.4792% | 4,036 |
| Net charge-offs to loans | 0.1053% | 4,632 |
| Credit loss provision to net charge-offs | 367.5439% | 831 |
| Earnings coverage of net charge-offs (x) | 13.3772% | 1,555 |
| Efficiency ratio | 72.2626% | 3,683 |
| Assets per employee ($millions) | 4.5009% | 2,833 |
| Cash dividends to net income (ytd only)* | 52.4809% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 5,212 |
| Loan loss allowance to noncurrent loans | 469.9324% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 5,660 |
| Noncurrent loans to loans | 0.2699% | 6,385 |
| Net loans and leases to total assets | 72.8966% | 1,615 |
| Net loans and leases to deposits | 89.1904% | 1,356 |
| Net loans and leases to core deposits | 105.4295% | 962 |
| Total domestic deposits to total assets | 81.7314% | 5,263 |
| Equity capital to assets | 10.0033% | 4,146 |
| Core capital (leverage) ratio | 9.5601% | 3,865 |
| Tier 1 risk-based capital ratio | 11.5935% | 6,097 |
| Total risk-based capital ratio | 12.7192% | 6,179 |
| Memoranda: | ||
| Average total assets | $298,276,000 | 2,160 |
| Average earning assets | $280,443,330 | 2,099 |
| Average equity | $28,627,000 | 2,274 |
| Average total loans | $216,605,330 | 1,933 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3060% | 1,850 |
| Cost of funding earning assets | 1.7805% | 405 |
| Net interest margin | 3.5254% | 4,896 |
| Noninterest income to average assets | 0.0709% | 7,033 |
| Noninterest expense to average assets | 2.7596% | 4,601 |
| Loan and lease loss provision to assets | 0.2208% | 3,450 |
| Net operating income to assets | 0.3694% | 5,081 |
| Return on assets (ROA) | 0.3694% | 5,164 |
| Pretax return on assets | 0.4002% | 5,343 |
| Return on Equity (ROE) | 3.9313% | 4,941 |
| Retained earnings to average equity (ytd only) | -3.9028% | 6,403 |
| Net charge-offs to loans | 0.0242% | 4,748 |
| Credit loss provision to net charge-offs | 1,269.2308% | 311 |
| Earnings coverage of net charge-offs (x) | 35.6923% | 735 |
| Efficiency ratio | 81.6310% | 2,280 |
| Assets per employee ($millions) | 4.5504% | 2,806 |
| Cash dividends to net income (ytd only)* | 199.2754% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 5,493 |
| Loan loss allowance to noncurrent loans | 249.9049% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 5,133 |
| Noncurrent loans to loans | 0.4912% | 6,031 |
| Net loans and leases to total assets | 70.4326% | 2,050 |
| Net loans and leases to deposits | 85.8006% | 1,763 |
| Net loans and leases to core deposits | 103.3892% | 1,102 |
| Total domestic deposits to total assets | 82.0887% | 5,275 |
| Equity capital to assets | 9.3372% | 4,667 |
| Core capital (leverage) ratio | 9.3425% | 4,063 |
| Tier 1 risk-based capital ratio | 11.5111% | 6,094 |
| Total risk-based capital ratio | 12.5965% | 6,202 |
| Memoranda: | ||
| Average total assets | $298,883,000 | 2,168 |
| Average earning assets | $280,589,500 | 2,108 |
| Average equity | $28,082,500 | 2,293 |
| Average total loans | $215,243,000 | 1,967 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7311% | 1,464 |
| Cost of funding earning assets | 2.0338% | 535 |
| Net interest margin | 3.6973% | 4,354 |
| Noninterest income to average assets | 0.4920% | 4,235 |
| Noninterest expense to average assets | 2.8319% | 4,470 |
| Loan and lease loss provision to assets | 0.2546% | 4,751 |
| Net operating income to assets | 0.8204% | 2,710 |
| Return on assets (ROA) | 0.9558% | 2,307 |
| Pretax return on assets | 1.0096% | 2,907 |
| Return on Equity (ROE) | 10.1081% | 1,883 |
| Retained earnings to average equity (ytd only) | 5.2742% | 2,263 |
| Net charge-offs to loans | 0.5058% | 3,596 |
| Credit loss provision to net charge-offs | 69.5652% | 5,875 |
| Earnings coverage of net charge-offs (x) | 3.0648% | 3,540 |
| Efficiency ratio | 71.6280% | 3,864 |
| Assets per employee ($millions) | 4.5760% | 2,745 |
| Cash dividends to net income (ytd only)* | 47.8215% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 5,759 |
| Loan loss allowance to noncurrent loans | 371.9219% | 834 |
| Noncurrent assets plus other real estate owned to assets | 1.1263% | 4,758 |
| Noncurrent loans to loans | 0.3079% | 6,439 |
| Net loans and leases to total assets | 71.8977% | 2,123 |
| Net loans and leases to deposits | 89.1073% | 1,630 |
| Net loans and leases to core deposits | 108.6767% | 1,005 |
| Total domestic deposits to total assets | 80.6867% | 5,623 |
| Equity capital to assets | 9.4550% | 4,461 |
| Core capital (leverage) ratio | 9.4307% | 3,803 |
| Tier 1 risk-based capital ratio | 11.4473% | 5,953 |
| Total risk-based capital ratio | 12.4545% | 6,155 |
| Memoranda: | ||
| Average total assets | $295,354,000 | 2,178 |
| Average earning assets | $276,527,000 | 2,142 |
| Average equity | $27,928,200 | 2,315 |
| Average total loans | $213,719,000 | 2,027 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7840% | 1,447 |
| Cost of funding earning assets | 2.0566% | 621 |
| Net interest margin | 3.7273% | 4,279 |
| Noninterest income to average assets | 0.4147% | 4,840 |
| Noninterest expense to average assets | 2.5352% | 5,583 |
| Loan and lease loss provision to assets | 0.2379% | 4,697 |
| Net operating income to assets | 1.0748% | 1,987 |
| Return on assets (ROA) | 1.0975% | 2,002 |
| Pretax return on assets | 1.1554% | 2,656 |
| Return on Equity (ROE) | 11.6068% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.1506% | 2,871 |
| Net charge-offs to loans | 0.4086% | 3,658 |
| Credit loss provision to net charge-offs | 80.5513% | 5,114 |
| Earnings coverage of net charge-offs (x) | 4.6371% | 2,968 |
| Efficiency ratio | 64.9293% | 5,065 |
| Assets per employee ($millions) | 4.4859% | 2,929 |
| Cash dividends to net income (ytd only)* | 55.6244% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 5,207 |
| Loan loss allowance to noncurrent loans | 279.9373% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 1.5361% | 4,145 |
| Noncurrent loans to loans | 0.4479% | 6,293 |
| Net loans and leases to total assets | 71.2645% | 2,414 |
| Net loans and leases to deposits | 88.5435% | 1,933 |
| Net loans and leases to core deposits | 109.1927% | 1,083 |
| Total domestic deposits to total assets | 80.4853% | 5,550 |
| Equity capital to assets | 9.9460% | 4,224 |
| Core capital (leverage) ratio | 9.4593% | 3,962 |
| Tier 1 risk-based capital ratio | 11.5252% | 5,908 |
| Total risk-based capital ratio | 12.6375% | 6,012 |
| Memoranda: | ||
| Average total assets | $294,832,000 | 2,220 |
| Average earning assets | $276,043,000 | 2,176 |
| Average equity | $27,879,500 | 2,347 |
| Average total loans | $213,066,000 | 2,067 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7662% | 1,516 |
| Cost of funding earning assets | 2.0615% | 752 |
| Net interest margin | 3.7047% | 4,338 |
| Noninterest income to average assets | 0.3709% | 5,172 |
| Noninterest expense to average assets | 2.5419% | 5,557 |
| Loan and lease loss provision to assets | 0.2045% | 4,830 |
| Net operating income to assets | 1.0418% | 2,039 |
| Return on assets (ROA) | 1.0760% | 2,007 |
| Pretax return on assets | 1.1324% | 2,662 |
| Return on Equity (ROE) | 11.5802% | 1,567 |
| Retained earnings to average equity (ytd only) | 5.0005% | 2,897 |
| Net charge-offs to loans | 0.2095% | 4,355 |
| Credit loss provision to net charge-offs | 134.9776% | 2,973 |
| Earnings coverage of net charge-offs (x) | 8.5874% | 2,120 |
| Efficiency ratio | 66.1481% | 4,958 |
| Assets per employee ($millions) | 4.5209% | 2,844 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 4,652 |
| Loan loss allowance to noncurrent loans | 161.7499% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2931% | 4,561 |
| Noncurrent loans to loans | 0.8380% | 5,605 |
| Net loans and leases to total assets | 71.4235% | 2,561 |
| Net loans and leases to deposits | 88.4317% | 2,104 |
| Net loans and leases to core deposits | 106.2661% | 1,416 |
| Total domestic deposits to total assets | 80.7668% | 5,486 |
| Equity capital to assets | 9.5587% | 4,620 |
| Core capital (leverage) ratio | 9.3622% | 4,025 |
| Tier 1 risk-based capital ratio | 11.4637% | 5,806 |
| Total risk-based capital ratio | 12.6718% | 5,819 |
| Memoranda: | ||
| Average total assets | $294,419,670 | 2,239 |
| Average earning assets | $275,917,000 | 2,190 |
| Average equity | $27,357,000 | 2,382 |
| Average total loans | $212,864,330 | 2,097 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 1,639 |
| Cost of funding earning assets | 2.0777% | 866 |
| Net interest margin | 3.6618% | 4,430 |
| Noninterest income to average assets | 0.4520% | 4,448 |
| Noninterest expense to average assets | 2.3631% | 6,202 |
| Loan and lease loss provision to assets | 0.3054% | 3,593 |
| Net operating income to assets | 1.1551% | 1,666 |
| Return on assets (ROA) | 1.1809% | 1,674 |
| Pretax return on assets | 1.2433% | 2,224 |
| Return on Equity (ROE) | 12.8932% | 1,274 |
| Retained earnings to average equity (ytd only) | 6.2243% | 2,514 |
| Net charge-offs to loans | 0.3926% | 2,865 |
| Credit loss provision to net charge-offs | 107.6555% | 3,195 |
| Earnings coverage of net charge-offs (x) | 5.3636% | 2,415 |
| Efficiency ratio | 60.8316% | 6,027 |
| Assets per employee ($millions) | 4.4845% | 2,982 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,780 |
| Loan loss allowance to noncurrent loans | 175.1707% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 1.2704% | 4,635 |
| Noncurrent loans to loans | 0.7587% | 5,806 |
| Net loans and leases to total assets | 71.8735% | 2,486 |
| Net loans and leases to deposits | 88.2680% | 2,183 |
| Net loans and leases to core deposits | 104.9483% | 1,662 |
| Total domestic deposits to total assets | 81.4265% | 5,302 |
| Equity capital to assets | 9.3588% | 4,744 |
| Core capital (leverage) ratio | 9.2782% | 4,090 |
| Tier 1 risk-based capital ratio | 11.2603% | 5,892 |
| Total risk-based capital ratio | 12.4328% | 5,933 |
| Memoranda: | ||
| Average total assets | $294,701,000 | 2,275 |
| Average earning assets | $276,261,000 | 2,234 |
| Average equity | $26,991,000 | 2,436 |
| Average total loans | $212,913,000 | 2,150 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0068% | 1,838 |
| Cost of funding earning assets | 2.5033% | 1,021 |
| Net interest margin | 3.5035% | 4,942 |
| Noninterest income to average assets | 0.5475% | 4,046 |
| Noninterest expense to average assets | 2.6193% | 5,716 |
| Loan and lease loss provision to assets | 0.5366% | 3,687 |
| Net operating income to assets | 0.6550% | 3,117 |
| Return on assets (ROA) | 0.7104% | 2,956 |
| Pretax return on assets | 0.7464% | 3,422 |
| Return on Equity (ROE) | 8.1372% | 2,316 |
| Retained earnings to average equity (ytd only) | 5.5845% | 1,535 |
| Net charge-offs to loans | 0.4620% | 3,938 |
| Credit loss provision to net charge-offs | 162.1762% | 2,722 |
| Earnings coverage of net charge-offs (x) | 3.7016% | 3,240 |
| Efficiency ratio | 68.1413% | 4,981 |
| Assets per employee ($millions) | 4.5833% | 2,790 |
| Cash dividends to net income (ytd only)* | 31.3707% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,673 |
| Loan loss allowance to noncurrent loans | 461.6776% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 5,400 |
| Noncurrent loans to loans | 0.2848% | 6,713 |
| Net loans and leases to total assets | 70.7232% | 3,073 |
| Net loans and leases to deposits | 86.7289% | 2,795 |
| Net loans and leases to core deposits | 113.8653% | 2,511 |
| Total domestic deposits to total assets | 81.5452% | 5,136 |
| Equity capital to assets | 8.9630% | 5,203 |
| Core capital (leverage) ratio | 9.0291% | 4,372 |
| Tier 1 risk-based capital ratio | 11.0970% | 5,835 |
| Total risk-based capital ratio | 12.2645% | 5,872 |
| Memoranda: | ||
| Average total assets | $291,676,200 | 2,269 |
| Average earning assets | $274,438,600 | 2,210 |
| Average equity | $25,463,200 | 2,566 |
| Average total loans | $208,877,800 | 2,212 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0370% | 1,891 |
| Cost of funding earning assets | 2.5748% | 1,093 |
| Net interest margin | 3.4622% | 5,016 |
| Noninterest income to average assets | 0.5515% | 4,063 |
| Noninterest expense to average assets | 2.6550% | 5,509 |
| Loan and lease loss provision to assets | 0.5005% | 3,390 |
| Net operating income to assets | 0.6261% | 3,511 |
| Return on assets (ROA) | 0.6898% | 3,301 |
| Pretax return on assets | 0.7229% | 3,784 |
| Return on Equity (ROE) | 7.9563% | 2,658 |
| Retained earnings to average equity (ytd only) | 4.5109% | 2,751 |
| Net charge-offs to loans | 0.3601% | 3,848 |
| Credit loss provision to net charge-offs | 194.1176% | 2,324 |
| Earnings coverage of net charge-offs (x) | 4.4849% | 3,122 |
| Efficiency ratio | 69.6612% | 4,657 |
| Assets per employee ($millions) | 4.6537% | 2,629 |
| Cash dividends to net income (ytd only)* | 43.3048% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,547 |
| Loan loss allowance to noncurrent loans | 439.7106% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 5,441 |
| Noncurrent loans to loans | 0.2939% | 6,774 |
| Net loans and leases to total assets | 70.1310% | 3,480 |
| Net loans and leases to deposits | 85.8191% | 3,351 |
| Net loans and leases to core deposits | 113.9668% | 2,831 |
| Total domestic deposits to total assets | 81.7195% | 4,800 |
| Equity capital to assets | 8.9609% | 5,537 |
| Core capital (leverage) ratio | 8.8510% | 4,892 |
| Tier 1 risk-based capital ratio | 10.9592% | 5,992 |
| Total risk-based capital ratio | 12.1071% | 6,055 |
| Memoranda: | ||
| Average total assets | $290,117,250 | 2,303 |
| Average earning assets | $273,152,750 | 2,239 |
| Average equity | $25,153,500 | 2,619 |
| Average total loans | $207,722,250 | 2,243 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0475% | 1,993 |
| Cost of funding earning assets | 2.6325% | 1,208 |
| Net interest margin | 3.4150% | 5,110 |
| Noninterest income to average assets | 0.6010% | 3,684 |
| Noninterest expense to average assets | 2.8086% | 4,927 |
| Loan and lease loss provision to assets | 0.3401% | 3,897 |
| Net operating income to assets | 0.6356% | 3,533 |
| Return on assets (ROA) | 0.7129% | 3,304 |
| Pretax return on assets | 0.7512% | 3,825 |
| Return on Equity (ROE) | 8.3192% | 2,646 |
| Retained earnings to average equity (ytd only) | 3.0436% | 3,626 |
| Net charge-offs to loans | 0.4922% | 2,857 |
| Credit loss provision to net charge-offs | 96.2598% | 4,733 |
| Earnings coverage of net charge-offs (x) | 2.8583% | 3,672 |
| Efficiency ratio | 73.5519% | 4,101 |
| Assets per employee ($millions) | 4.2617% | 3,184 |
| Cash dividends to net income (ytd only)* | 63.4146% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 5,942 |
| Loan loss allowance to noncurrent loans | 186.3714% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 5,104 |
| Noncurrent loans to loans | 0.5607% | 6,147 |
| Net loans and leases to total assets | 70.4642% | 3,589 |
| Net loans and leases to deposits | 87.1291% | 3,330 |
| Net loans and leases to core deposits | 112.8843% | 3,027 |
| Total domestic deposits to total assets | 80.8733% | 5,120 |
| Equity capital to assets | 8.4772% | 6,083 |
| Core capital (leverage) ratio | 8.8127% | 4,926 |
| Tier 1 risk-based capital ratio | 10.7852% | 6,103 |
| Total risk-based capital ratio | 11.7058% | 6,367 |
| Memoranda: | ||
| Average total assets | $287,544,000 | 2,339 |
| Average earning assets | $270,920,330 | 2,275 |
| Average equity | $24,641,670 | 2,674 |
| Average total loans | $206,426,000 | 2,276 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0705% | 2,073 |
| Cost of funding earning assets | 2.6476% | 1,421 |
| Net interest margin | 3.4228% | 5,039 |
| Noninterest income to average assets | 0.6458% | 3,226 |
| Noninterest expense to average assets | 2.4525% | 6,013 |
| Loan and lease loss provision to assets | 0.4714% | 2,591 |
| Net operating income to assets | 0.9044% | 2,687 |
| Return on assets (ROA) | 1.0314% | 2,328 |
| Pretax return on assets | 1.0862% | 3,040 |
| Return on Equity (ROE) | 11.9681% | 1,668 |
| Retained earnings to average equity (ytd only) | 5.0289% | 3,109 |
| Net charge-offs to loans | 0.1191% | 4,018 |
| Credit loss provision to net charge-offs | 549.1803% | 1,015 |
| Earnings coverage of net charge-offs (x) | 16.5902% | 1,545 |
| Efficiency ratio | 63.2668% | 5,820 |
| Assets per employee ($millions) | 4.3934% | 2,902 |
| Cash dividends to net income (ytd only)* | 57.9809% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 4,776 |
| Loan loss allowance to noncurrent loans | 81.2643% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 4,310 |
| Noncurrent loans to loans | 1.4818% | 4,079 |
| Net loans and leases to total assets | 71.2772% | 3,411 |
| Net loans and leases to deposits | 89.3808% | 3,031 |
| Net loans and leases to core deposits | 116.3139% | 2,771 |
| Total domestic deposits to total assets | 79.7455% | 5,452 |
| Equity capital to assets | 8.7089% | 5,753 |
| Core capital (leverage) ratio | 9.0698% | 4,597 |
| Tier 1 risk-based capital ratio | 10.8145% | 6,078 |
| Total risk-based capital ratio | 11.8639% | 6,200 |
| Memoranda: | ||
| Average total assets | $284,286,000 | 2,368 |
| Average earning assets | $268,315,000 | 2,301 |
| Average equity | $24,498,500 | 2,708 |
| Average total loans | $204,941,500 | 2,317 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5802% | 2,576 |
| Cost of funding earning assets | 3.1613% | 1,312 |
| Net interest margin | 3.4190% | 5,584 |
| Noninterest income to average assets | 0.5519% | 4,215 |
| Noninterest expense to average assets | 2.4671% | 6,141 |
| Loan and lease loss provision to assets | 0.2804% | 4,143 |
| Net operating income to assets | 0.9281% | 2,882 |
| Return on assets (ROA) | 0.9680% | 2,582 |
| Pretax return on assets | 1.0194% | 3,316 |
| Return on Equity (ROE) | 11.0739% | 1,882 |
| Retained earnings to average equity (ytd only) | 5.1180% | 1,953 |
| Net charge-offs to loans | 0.3691% | 2,994 |
| Credit loss provision to net charge-offs | 105.2561% | 5,085 |
| Earnings coverage of net charge-offs (x) | 4.7210% | 3,885 |
| Efficiency ratio | 66.2329% | 5,081 |
| Assets per employee ($millions) | 4.5645% | 2,521 |
| Cash dividends to net income (ytd only)* | 53.7834% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 5,396 |
| Loan loss allowance to noncurrent loans | 84.9827% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.0290% | 4,249 |
| Noncurrent loans to loans | 1.2739% | 3,960 |
| Net loans and leases to total assets | 71.2535% | 3,733 |
| Net loans and leases to deposits | 89.9524% | 3,464 |
| Net loans and leases to core deposits | 115.3184% | 3,203 |
| Total domestic deposits to total assets | 79.2124% | 5,295 |
| Equity capital to assets | 8.5254% | 6,046 |
| Core capital (leverage) ratio | 9.0370% | 4,689 |
| Tier 1 risk-based capital ratio | 10.9278% | 5,793 |
| Total risk-based capital ratio | 11.8826% | 5,965 |
| Memoranda: | ||
| Average total assets | $278,501,000 | 2,322 |
| Average earning assets | $258,470,800 | 2,301 |
| Average equity | $24,345,600 | 2,705 |
| Average total loans | $201,044,600 | 2,286 |