Home > Community State Bank > Performance and Condition Ratios
Community State 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 | 4.2776% | 3,476 |
| Cost of funding earning assets | 0.9056% | 3,513 |
| Net interest margin | 3.3720% | 2,467 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.8581% | 1,378 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7921% | 2,895 |
| Return on assets (ROA) | 0.7571% | 3,002 |
| Pretax return on assets | 0.7745% | 3,272 |
| Return on Equity (ROE) | 27.1400% | 245 |
| Retained earnings to average equity (ytd only) | 19.8333% | 135 |
| Net charge-offs to loans | 0.3751% | 283 |
| Credit loss provision to net charge-offs | 23.7003% | 2,294 |
| Earnings coverage of net charge-offs (x) | 3.9985% | 2,615 |
| Efficiency ratio | 76.8430% | 1,179 |
| Assets per employee ($millions) | 6.9545% | 2,103 |
| Cash dividends to net income (ytd only)* | 26.9089% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,123 |
| Loan loss allowance to noncurrent loans | 152.7383% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 960 |
| Noncurrent loans to loans | 0.9655% | 766 |
| Net loans and leases to total assets | 58.8800% | 2,963 |
| Net loans and leases to deposits | 61.4783% | 3,440 |
| Net loans and leases to core deposits | 63.9465% | 3,594 |
| Total domestic deposits to total assets | 95.7800% | 44 |
| Equity capital to assets | 3.2280% | 4,538 |
| Core capital (leverage) ratio | 9.4593% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2939% | 1,207 |
| Memoranda: | ||
| Average total assets | $607,225,200 | 1,462 |
| Average earning assets | $569,895,400 | 1,441 |
| Average equity | $16,941,200 | 3,099 |
| Average total loans | $348,670,800 | 1,613 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 3,448 |
| Cost of funding earning assets | 0.8674% | 3,351 |
| Net interest margin | 3.3444% | 2,586 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.6935% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8974% | 2,688 |
| Return on assets (ROA) | 0.9032% | 2,652 |
| Pretax return on assets | 0.9163% | 3,061 |
| Return on Equity (ROE) | 33.6700% | 174 |
| Retained earnings to average equity (ytd only) | 23.5754% | 155 |
| Net charge-offs to loans | 0.3452% | 255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.6399% | 2,385 |
| Efficiency ratio | 74.7375% | 1,296 |
| Assets per employee ($millions) | 6.9867% | 1,968 |
| Cash dividends to net income (ytd only)* | 29.9830% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,099 |
| Loan loss allowance to noncurrent loans | 172.1795% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 1,123 |
| Noncurrent loans to loans | 0.8743% | 947 |
| Net loans and leases to total assets | 58.4900% | 2,987 |
| Net loans and leases to deposits | 60.9090% | 3,454 |
| Net loans and leases to core deposits | 63.6292% | 3,549 |
| Total domestic deposits to total assets | 96.0400% | 78 |
| Equity capital to assets | 2.7942% | 4,505 |
| Core capital (leverage) ratio | 8.3231% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7225% | 1,651 |
| Memoranda: | ||
| Average total assets | $609,510,000 | 1,459 |
| Average earning assets | $573,521,250 | 1,434 |
| Average equity | $16,350,000 | 3,141 |
| Average total loans | $346,480,500 | 1,622 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 3,415 |
| Cost of funding earning assets | 0.7952% | 3,217 |
| Net interest margin | 3.3432% | 2,660 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.6101% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0050% | 2,397 |
| Return on assets (ROA) | 1.0124% | 2,378 |
| Pretax return on assets | 1.0193% | 2,860 |
| Return on Equity (ROE) | 38.2600% | 118 |
| Retained earnings to average equity (ytd only) | 22.9825% | 165 |
| Net charge-offs to loans | -0.0052% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.0649% | 1,551 |
| Assets per employee ($millions) | 6.9726% | 1,947 |
| Cash dividends to net income (ytd only)* | 39.9355% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 638 |
| Loan loss allowance to noncurrent loans | 194.6667% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 1,026 |
| Noncurrent loans to loans | 0.9166% | 838 |
| Net loans and leases to total assets | 56.9700% | 3,046 |
| Net loans and leases to deposits | 59.1484% | 3,473 |
| Net loans and leases to core deposits | 61.0986% | 3,570 |
| Total domestic deposits to total assets | 96.3100% | 53 |
| Equity capital to assets | 2.5855% | 4,584 |
| Core capital (leverage) ratio | 8.1935% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1533% | 1,829 |
| Memoranda: | ||
| Average total assets | $612,394,000 | 1,447 |
| Average earning assets | $576,222,333 | 1,429 |
| Average equity | $16,203,667 | 3,172 |
| Average total loans | $343,028,000 | 1,623 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 3,226 |
| Cost of funding earning assets | 0.5838% | 3,425 |
| Net interest margin | 3.5312% | 2,284 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.5630% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1372% | 2,105 |
| Return on assets (ROA) | 1.1398% | 2,066 |
| Pretax return on assets | 1.1417% | 2,594 |
| Return on Equity (ROE) | 42.5900% | 102 |
| Retained earnings to average equity (ytd only) | 23.0328% | 241 |
| Net charge-offs to loans | -0.0047% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.2308% | 1,828 |
| Assets per employee ($millions) | 7.4322% | 1,661 |
| Cash dividends to net income (ytd only)* | 45.9213% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 581 |
| Loan loss allowance to noncurrent loans | 191.9736% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 944 |
| Noncurrent loans to loans | 0.9715% | 764 |
| Net loans and leases to total assets | 55.3400% | 3,083 |
| Net loans and leases to deposits | 57.8332% | 3,459 |
| Net loans and leases to core deposits | 59.1585% | 3,578 |
| Total domestic deposits to total assets | 95.6900% | 64 |
| Equity capital to assets | 3.2907% | 4,586 |
| Core capital (leverage) ratio | 7.9108% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4378% | 1,813 |
| Memoranda: | ||
| Average total assets | $615,214,500 | 1,462 |
| Average earning assets | $578,280,000 | 1,449 |
| Average equity | $16,463,500 | 3,178 |
| Average total loans | $338,622,500 | 1,657 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6434% | 2,675 |
| Cost of funding earning assets | 0.1945% | 3,804 |
| Net interest margin | 3.4489% | 2,101 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.4076% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4033% | 1,122 |
| Return on assets (ROA) | 1.4033% | 1,085 |
| Pretax return on assets | 1.4052% | 1,752 |
| Return on Equity (ROE) | 36.2400% | 68 |
| Retained earnings to average equity (ytd only) | 18.2731% | 128 |
| Net charge-offs to loans | 0.2666% | 296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 10.0791% | 2,203 |
| Efficiency ratio | 63.1442% | 2,609 |
| Assets per employee ($millions) | 7.6665% | 1,506 |
| Cash dividends to net income (ytd only)* | 49.5727% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 507 |
| Loan loss allowance to noncurrent loans | 191.1098% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 928 |
| Noncurrent loans to loans | 1.0049% | 726 |
| Net loans and leases to total assets | 52.6800% | 3,310 |
| Net loans and leases to deposits | 54.3385% | 3,663 |
| Net loans and leases to core deposits | 55.3741% | 3,748 |
| Total domestic deposits to total assets | 96.9500% | 53 |
| Equity capital to assets | 2.0728% | 4,643 |
| Core capital (leverage) ratio | 7.7644% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8557% | 1,673 |
| Memoranda: | ||
| Average total assets | $625,442,200 | 1,429 |
| Average earning assets | $574,332,600 | 1,439 |
| Average equity | $24,221,400 | 2,622 |
| Average total loans | $327,138,800 | 1,613 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 2,510 |
| Cost of funding earning assets | 0.1323% | 4,015 |
| Net interest margin | 3.4021% | 1,973 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.3714% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3560% | 1,201 |
| Return on assets (ROA) | 1.3560% | 1,175 |
| Pretax return on assets | 1.3579% | 1,856 |
| Return on Equity (ROE) | 31.4000% | 87 |
| Retained earnings to average equity (ytd only) | 20.6508% | 89 |
| Net charge-offs to loans | 0.3580% | 176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 7.3009% | 2,079 |
| Efficiency ratio | 63.5892% | 2,611 |
| Assets per employee ($millions) | 7.5569% | 1,578 |
| Cash dividends to net income (ytd only)* | 34.2279% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 542 |
| Loan loss allowance to noncurrent loans | 221.4385% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 1,173 |
| Noncurrent loans to loans | 0.8820% | 891 |
| Net loans and leases to total assets | 51.2600% | 3,362 |
| Net loans and leases to deposits | 52.8863% | 3,673 |
| Net loans and leases to core deposits | 53.8775% | 3,755 |
| Total domestic deposits to total assets | 96.9200% | 83 |
| Equity capital to assets | 2.1048% | 4,656 |
| Core capital (leverage) ratio | 7.8753% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5178% | 1,870 |
| Memoranda: | ||
| Average total assets | $626,555,250 | 1,434 |
| Average earning assets | $572,414,000 | 1,449 |
| Average equity | $27,058,750 | 2,513 |
| Average total loans | $325,534,250 | 1,615 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 2,426 |
| Cost of funding earning assets | 0.1394% | 3,719 |
| Net interest margin | 3.2632% | 2,019 |
| Noninterest income to average assets | 0.6731% | 1,452 |
| Noninterest expense to average assets | 2.3234% | 2,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3306% | 1,071 |
| Return on assets (ROA) | 1.3306% | 1,048 |
| Pretax return on assets | 1.3325% | 1,634 |
| Return on Equity (ROE) | 26.3088% | 93 |
| Retained earnings to average equity (ytd only) | 17.0846% | 147 |
| Net charge-offs to loans | -0.0055% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5514% | 2,833 |
| Assets per employee ($millions) | 7.1401% | 1,851 |
| Cash dividends to net income (ytd only)* | 35.0612% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2306% | 367 |
| Loan loss allowance to noncurrent loans | 188.3919% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 917 |
| Noncurrent loans to loans | 1.1840% | 679 |
| Net loans and leases to total assets | 50.2618% | 3,344 |
| Net loans and leases to deposits | 52.5253% | 3,646 |
| Net loans and leases to core deposits | 53.5574% | 3,724 |
| Total domestic deposits to total assets | 95.6906% | 98 |
| Equity capital to assets | 3.2971% | 4,675 |
| Core capital (leverage) ratio | 7.7581% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4343% | 1,889 |
| Memoranda: | ||
| Average total assets | $626,331,667 | 1,442 |
| Average earning assets | $572,501,667 | 1,464 |
| Average equity | $31,677,667 | 2,332 |
| Average total loans | $324,747,333 | 1,616 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5049% | 1,798 |
| Cost of funding earning assets | 0.1429% | 3,589 |
| Net interest margin | 3.3620% | 1,402 |
| Noninterest income to average assets | 0.6170% | 1,619 |
| Noninterest expense to average assets | 2.3070% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3800% | 837 |
| Return on assets (ROA) | 1.3800% | 830 |
| Pretax return on assets | 1.3819% | 1,291 |
| Return on Equity (ROE) | 23.1638% | 120 |
| Retained earnings to average equity (ytd only) | 16.2525% | 217 |
| Net charge-offs to loans | -0.0049% | 3,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5392% | 3,201 |
| Assets per employee ($millions) | 7.8628% | 1,461 |
| Cash dividends to net income (ytd only)* | 29.8368% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2651% | 397 |
| Loan loss allowance to noncurrent loans | 235.1308% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 1,220 |
| Noncurrent loans to loans | 0.9634% | 940 |
| Net loans and leases to total assets | 49.9504% | 3,179 |
| Net loans and leases to deposits | 53.0800% | 3,485 |
| Net loans and leases to core deposits | 54.1765% | 3,579 |
| Total domestic deposits to total assets | 94.1040% | 105 |
| Equity capital to assets | 4.9286% | 4,727 |
| Core capital (leverage) ratio | 7.5538% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2333% | 2,102 |
| Memoranda: | ||
| Average total assets | $621,761,000 | 1,455 |
| Average earning assets | $568,121,500 | 1,483 |
| Average equity | $37,040,500 | 2,174 |
| Average total loans | $323,777,500 | 1,605 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5716% | 2,460 |
| Cost of funding earning assets | 0.1745% | 3,721 |
| Net interest margin | 3.3972% | 2,042 |
| Noninterest income to average assets | 0.6591% | 1,909 |
| Noninterest expense to average assets | 2.4040% | 2,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3601% | 1,409 |
| Return on assets (ROA) | 1.3601% | 1,456 |
| Pretax return on assets | 1.3622% | 2,168 |
| Return on Equity (ROE) | 18.1366% | 451 |
| Retained earnings to average equity (ytd only) | 10.5680% | 788 |
| Net charge-offs to loans | -0.0710% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8300% | 2,588 |
| Assets per employee ($millions) | 7.2294% | 1,774 |
| Cash dividends to net income (ytd only)* | 41.7308% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2320% | 427 |
| Loan loss allowance to noncurrent loans | 178.6451% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 975 |
| Noncurrent loans to loans | 1.2494% | 770 |
| Net loans and leases to total assets | 51.8789% | 3,083 |
| Net loans and leases to deposits | 56.4197% | 3,381 |
| Net loans and leases to core deposits | 57.6369% | 3,504 |
| Total domestic deposits to total assets | 91.9518% | 192 |
| Equity capital to assets | 7.0104% | 4,715 |
| Core capital (leverage) ratio | 7.7724% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1368% | 2,191 |
| Memoranda: | ||
| Average total assets | $573,470,200 | 1,503 |
| Average earning assets | $524,492,400 | 1,536 |
| Average equity | $43,007,000 | 1,978 |
| Average total loans | $311,306,200 | 1,661 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 2,437 |
| Cost of funding earning assets | 0.1784% | 3,839 |
| Net interest margin | 3.4675% | 1,961 |
| Noninterest income to average assets | 0.6586% | 1,979 |
| Noninterest expense to average assets | 2.4345% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3929% | 1,570 |
| Return on assets (ROA) | 1.3929% | 1,631 |
| Pretax return on assets | 1.3951% | 2,357 |
| Return on Equity (ROE) | 18.2492% | 598 |
| Retained earnings to average equity (ytd only) | 12.2726% | 782 |
| Net charge-offs to loans | -0.0954% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5717% | 2,455 |
| Assets per employee ($millions) | 7.1039% | 1,800 |
| Cash dividends to net income (ytd only)* | 32.7498% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3337% | 371 |
| Loan loss allowance to noncurrent loans | 197.4227% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6328% | 1,198 |
| Noncurrent loans to loans | 1.1821% | 943 |
| Net loans and leases to total assets | 52.2798% | 3,175 |
| Net loans and leases to deposits | 57.1750% | 3,473 |
| Net loans and leases to core deposits | 58.5113% | 3,585 |
| Total domestic deposits to total assets | 91.4381% | 249 |
| Equity capital to assets | 7.5934% | 4,682 |
| Core capital (leverage) ratio | 7.8898% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0452% | 1,955 |
| Memoranda: | ||
| Average total assets | $563,213,250 | 1,545 |
| Average earning assets | $515,050,000 | 1,569 |
| Average equity | $42,989,000 | 2,006 |
| Average total loans | $307,614,500 | 1,697 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 2,354 |
| Cost of funding earning assets | 0.1836% | 3,917 |
| Net interest margin | 3.5094% | 1,834 |
| Noninterest income to average assets | 0.6760% | 1,905 |
| Noninterest expense to average assets | 2.4584% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4225% | 1,511 |
| Return on assets (ROA) | 1.4225% | 1,577 |
| Pretax return on assets | 1.4246% | 2,258 |
| Return on Equity (ROE) | 18.6028% | 584 |
| Retained earnings to average equity (ytd only) | 12.5569% | 803 |
| Net charge-offs to loans | -0.1339% | 4,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3117% | 2,519 |
| Assets per employee ($millions) | 6.5869% | 2,103 |
| Cash dividends to net income (ytd only)* | 32.5000% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3581% | 328 |
| Loan loss allowance to noncurrent loans | 182.0050% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7044% | 1,166 |
| Noncurrent loans to loans | 1.2956% | 909 |
| Net loans and leases to total assets | 53.0828% | 3,244 |
| Net loans and leases to deposits | 58.0102% | 3,545 |
| Net loans and leases to core deposits | 59.4689% | 3,658 |
| Total domestic deposits to total assets | 91.5061% | 230 |
| Equity capital to assets | 7.5500% | 4,721 |
| Core capital (leverage) ratio | 7.8715% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9977% | 1,977 |
| Memoranda: | ||
| Average total assets | $556,777,667 | 1,555 |
| Average earning assets | $508,805,000 | 1,580 |
| Average equity | $42,574,333 | 2,012 |
| Average total loans | $306,213,667 | 1,713 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 2,440 |
| Cost of funding earning assets | 0.1936% | 3,969 |
| Net interest margin | 3.4756% | 1,895 |
| Noninterest income to average assets | 0.7494% | 1,713 |
| Noninterest expense to average assets | 2.4590% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4625% | 1,411 |
| Return on assets (ROA) | 1.4625% | 1,473 |
| Pretax return on assets | 1.4647% | 2,089 |
| Return on Equity (ROE) | 19.0032% | 622 |
| Retained earnings to average equity (ytd only) | 12.9764% | 918 |
| Net charge-offs to loans | -0.1559% | 4,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6709% | 2,646 |
| Assets per employee ($millions) | 7.1663% | 1,674 |
| Cash dividends to net income (ytd only)* | 31.7146% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3217% | 353 |
| Loan loss allowance to noncurrent loans | 187.2651% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 1,388 |
| Noncurrent loans to loans | 1.2398% | 1,059 |
| Net loans and leases to total assets | 53.3271% | 3,306 |
| Net loans and leases to deposits | 58.1896% | 3,634 |
| Net loans and leases to core deposits | 59.6752% | 3,726 |
| Total domestic deposits to total assets | 91.6437% | 210 |
| Equity capital to assets | 7.3523% | 4,757 |
| Core capital (leverage) ratio | 7.6767% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1394% | 1,859 |
| Memoranda: | ||
| Average total assets | $551,929,000 | 1,556 |
| Average earning assets | $504,080,000 | 1,581 |
| Average equity | $42,477,000 | 2,002 |
| Average total loans | $305,339,000 | 1,720 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 3,077 |
| Cost of funding earning assets | 0.2951% | 4,172 |
| Net interest margin | 3.5864% | 2,184 |
| Noninterest income to average assets | 0.9908% | 1,060 |
| Noninterest expense to average assets | 2.8328% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4919% | 828 |
| Return on assets (ROA) | 1.4919% | 902 |
| Pretax return on assets | 1.4965% | 1,335 |
| Return on Equity (ROE) | 16.9627% | 415 |
| Retained earnings to average equity (ytd only) | 8.4343% | 928 |
| Net charge-offs to loans | -0.1029% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4325% | 2,615 |
| Assets per employee ($millions) | 6.8066% | 1,704 |
| Cash dividends to net income (ytd only)* | 50.2775% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3399% | 323 |
| Loan loss allowance to noncurrent loans | 186.4465% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 1,481 |
| Noncurrent loans to loans | 1.2550% | 1,090 |
| Net loans and leases to total assets | 54.7757% | 3,412 |
| Net loans and leases to deposits | 60.2370% | 3,741 |
| Net loans and leases to core deposits | 61.8651% | 3,834 |
| Total domestic deposits to total assets | 90.9336% | 242 |
| Equity capital to assets | 8.0581% | 4,686 |
| Core capital (leverage) ratio | 7.8639% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6084% | 2,011 |
| Memoranda: | ||
| Average total assets | $471,020,800 | 1,635 |
| Average earning assets | $438,464,200 | 1,633 |
| Average equity | $41,426,200 | 1,975 |
| Average total loans | $295,341,400 | 1,700 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 3,198 |
| Cost of funding earning assets | 0.3239% | 4,196 |
| Net interest margin | 3.5938% | 2,292 |
| Noninterest income to average assets | 0.9640% | 1,094 |
| Noninterest expense to average assets | 2.9525% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3740% | 1,169 |
| Return on assets (ROA) | 1.3740% | 1,263 |
| Pretax return on assets | 1.3787% | 1,798 |
| Return on Equity (ROE) | 15.2441% | 655 |
| Retained earnings to average equity (ytd only) | 9.6863% | 833 |
| Net charge-offs to loans | -0.1384% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1686% | 2,163 |
| Assets per employee ($millions) | 6.2628% | 2,033 |
| Cash dividends to net income (ytd only)* | 36.4588% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2495% | 318 |
| Loan loss allowance to noncurrent loans | 197.2610% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 1,626 |
| Noncurrent loans to loans | 1.1404% | 1,331 |
| Net loans and leases to total assets | 59.0023% | 3,325 |
| Net loans and leases to deposits | 65.5989% | 3,649 |
| Net loans and leases to core deposits | 67.4877% | 3,793 |
| Total domestic deposits to total assets | 89.9440% | 446 |
| Equity capital to assets | 8.2505% | 4,604 |
| Core capital (leverage) ratio | 8.0941% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0336% | 1,820 |
| Memoranda: | ||
| Average total assets | $454,345,500 | 1,661 |
| Average earning assets | $425,689,250 | 1,652 |
| Average equity | $40,950,250 | 1,976 |
| Average total loans | $293,777,250 | 1,707 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 3,167 |
| Cost of funding earning assets | 0.3619% | 4,216 |
| Net interest margin | 3.6960% | 2,176 |
| Noninterest income to average assets | 0.9405% | 1,090 |
| Noninterest expense to average assets | 3.0630% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3243% | 1,296 |
| Return on assets (ROA) | 1.3243% | 1,395 |
| Pretax return on assets | 1.3294% | 1,938 |
| Return on Equity (ROE) | 14.2118% | 850 |
| Retained earnings to average equity (ytd only) | 9.2148% | 953 |
| Net charge-offs to loans | -0.2152% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7337% | 1,992 |
| Assets per employee ($millions) | 5.7572% | 2,412 |
| Cash dividends to net income (ytd only)* | 35.1606% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2265% | 321 |
| Loan loss allowance to noncurrent loans | 189.5330% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 1,628 |
| Noncurrent loans to loans | 1.1747% | 1,332 |
| Net loans and leases to total assets | 63.3725% | 2,953 |
| Net loans and leases to deposits | 70.7751% | 3,362 |
| Net loans and leases to core deposits | 72.7251% | 3,542 |
| Total domestic deposits to total assets | 89.5407% | 553 |
| Equity capital to assets | 8.5842% | 4,426 |
| Core capital (leverage) ratio | 8.6198% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4264% | 2,024 |
| Memoranda: | ||
| Average total assets | $432,524,000 | 1,705 |
| Average earning assets | $403,949,333 | 1,697 |
| Average equity | $40,304,667 | 1,987 |
| Average total loans | $287,117,000 | 1,718 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 2,583 |
| Cost of funding earning assets | 0.4321% | 4,230 |
| Net interest margin | 3.9788% | 1,445 |
| Noninterest income to average assets | 0.6394% | 1,867 |
| Noninterest expense to average assets | 3.1695% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1749% | 1,601 |
| Return on assets (ROA) | 1.1749% | 1,720 |
| Pretax return on assets | 1.1799% | 2,271 |
| Return on Equity (ROE) | 12.0346% | 1,095 |
| Retained earnings to average equity (ytd only) | 6.9652% | 1,551 |
| Net charge-offs to loans | -0.5454% | 5,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8721% | 1,956 |
| Assets per employee ($millions) | 4.9969% | 2,654 |
| Cash dividends to net income (ytd only)* | 42.1230% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6535% | 201 |
| Loan loss allowance to noncurrent loans | 233.1152% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 1,827 |
| Noncurrent loans to loans | 1.1383% | 1,460 |
| Net loans and leases to total assets | 63.0152% | 3,188 |
| Net loans and leases to deposits | 70.6898% | 3,544 |
| Net loans and leases to core deposits | 72.8114% | 3,709 |
| Total domestic deposits to total assets | 89.1432% | 605 |
| Equity capital to assets | 9.6936% | 4,049 |
| Core capital (leverage) ratio | 9.5647% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8450% | 2,349 |
| Memoranda: | ||
| Average total assets | $404,105,000 | 1,754 |
| Average earning assets | $376,793,000 | 1,757 |
| Average equity | $39,453,000 | 2,004 |
| Average total loans | $272,084,000 | 1,749 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 2,390 |
| Cost of funding earning assets | 0.5007% | 4,089 |
| Net interest margin | 4.1782% | 1,358 |
| Noninterest income to average assets | 0.6561% | 1,982 |
| Noninterest expense to average assets | 3.1553% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3753% | 1,432 |
| Return on assets (ROA) | 1.3870% | 1,466 |
| Pretax return on assets | 1.3926% | 2,188 |
| Return on Equity (ROE) | 14.9269% | 700 |
| Retained earnings to average equity (ytd only) | 7.4196% | 1,198 |
| Net charge-offs to loans | -0.0304% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5579% | 2,240 |
| Assets per employee ($millions) | 4.6290% | 3,048 |
| Cash dividends to net income (ytd only)* | 50.2936% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4495% | 231 |
| Loan loss allowance to noncurrent loans | 722.2460% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 3,494 |
| Noncurrent loans to loans | 0.3391% | 3,228 |
| Net loans and leases to total assets | 68.3514% | 2,631 |
| Net loans and leases to deposits | 77.0055% | 3,091 |
| Net loans and leases to core deposits | 79.3875% | 3,352 |
| Total domestic deposits to total assets | 88.7616% | 762 |
| Equity capital to assets | 9.8362% | 4,070 |
| Core capital (leverage) ratio | 9.8200% | 3,709 |
| Tier 1 risk-based capital ratio | 11.4199% | 4,670 |
| Total risk-based capital ratio | 12.6793% | 4,540 |
| Memoranda: | ||
| Average total assets | $392,929,000 | 1,760 |
| Average earning assets | $364,896,800 | 1,763 |
| Average equity | $36,511,200 | 2,073 |
| Average total loans | $266,798,400 | 1,748 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 2,514 |
| Cost of funding earning assets | 0.5187% | 4,066 |
| Net interest margin | 4.1475% | 1,509 |
| Noninterest income to average assets | 0.5957% | 2,222 |
| Noninterest expense to average assets | 3.1327% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3062% | 1,832 |
| Return on assets (ROA) | 1.3218% | 1,838 |
| Pretax return on assets | 1.3272% | 2,573 |
| Return on Equity (ROE) | 14.4365% | 903 |
| Retained earnings to average equity (ytd only) | 8.8198% | 1,095 |
| Net charge-offs to loans | -0.0388% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4880% | 2,054 |
| Assets per employee ($millions) | 4.5500% | 3,121 |
| Cash dividends to net income (ytd only)* | 38.9060% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4548% | 233 |
| Loan loss allowance to noncurrent loans | 877.6333% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 3,779 |
| Noncurrent loans to loans | 0.2797% | 3,534 |
| Net loans and leases to total assets | 68.5355% | 2,701 |
| Net loans and leases to deposits | 78.3615% | 3,062 |
| Net loans and leases to core deposits | 80.5816% | 3,346 |
| Total domestic deposits to total assets | 87.4606% | 1,279 |
| Equity capital to assets | 9.7829% | 4,222 |
| Core capital (leverage) ratio | 9.6643% | 4,006 |
| Tier 1 risk-based capital ratio | 11.0306% | 4,894 |
| Total risk-based capital ratio | 12.2893% | 4,781 |
| Memoranda: | ||
| Average total assets | $392,795,250 | 1,777 |
| Average earning assets | $364,484,750 | 1,779 |
| Average equity | $35,963,500 | 2,105 |
| Average total loans | $264,575,250 | 1,763 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 2,655 |
| Cost of funding earning assets | 0.5224% | 4,021 |
| Net interest margin | 4.0851% | 1,652 |
| Noninterest income to average assets | 0.5294% | 2,509 |
| Noninterest expense to average assets | 3.0761% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2413% | 2,001 |
| Return on assets (ROA) | 1.2647% | 1,964 |
| Pretax return on assets | 1.2703% | 2,671 |
| Return on Equity (ROE) | 14.1343% | 948 |
| Retained earnings to average equity (ytd only) | 8.3317% | 1,270 |
| Net charge-offs to loans | -0.0536% | 4,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1563% | 2,044 |
| Assets per employee ($millions) | 4.4778% | 3,174 |
| Cash dividends to net income (ytd only)* | 41.0535% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4545% | 235 |
| Loan loss allowance to noncurrent loans | 563.7124% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,332 |
| Noncurrent loans to loans | 0.4354% | 2,972 |
| Net loans and leases to total assets | 67.9974% | 2,814 |
| Net loans and leases to deposits | 80.1133% | 2,940 |
| Net loans and leases to core deposits | 82.8317% | 3,212 |
| Total domestic deposits to total assets | 84.8765% | 2,533 |
| Equity capital to assets | 9.4134% | 4,487 |
| Core capital (leverage) ratio | 9.2788% | 4,379 |
| Tier 1 risk-based capital ratio | 12.5627% | 4,093 |
| Total risk-based capital ratio | 13.8255% | 3,979 |
| Memoranda: | ||
| Average total assets | $393,292,330 | 1,787 |
| Average earning assets | $365,226,330 | 1,782 |
| Average equity | $35,191,000 | 2,133 |
| Average total loans | $261,123,330 | 1,787 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 2,866 |
| Cost of funding earning assets | 0.4866% | 4,119 |
| Net interest margin | 4.0132% | 1,813 |
| Noninterest income to average assets | 0.4836% | 2,658 |
| Noninterest expense to average assets | 3.0398% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1667% | 2,191 |
| Return on assets (ROA) | 1.1667% | 2,242 |
| Pretax return on assets | 1.1717% | 2,912 |
| Return on Equity (ROE) | 13.3879% | 1,113 |
| Retained earnings to average equity (ytd only) | 7.3131% | 1,921 |
| Net charge-offs to loans | 0.0676% | 1,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 26.7674% | 1,395 |
| Efficiency ratio | 72.1779% | 2,015 |
| Assets per employee ($millions) | 4.6716% | 2,955 |
| Cash dividends to net income (ytd only)* | 45.3752% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5265% | 237 |
| Loan loss allowance to noncurrent loans | 499.5479% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 3,267 |
| Noncurrent loans to loans | 0.5058% | 2,792 |
| Net loans and leases to total assets | 64.4068% | 3,234 |
| Net loans and leases to deposits | 76.7348% | 3,191 |
| Net loans and leases to core deposits | 79.3250% | 3,421 |
| Total domestic deposits to total assets | 83.9343% | 3,068 |
| Equity capital to assets | 8.7837% | 4,835 |
| Core capital (leverage) ratio | 9.1709% | 4,499 |
| Tier 1 risk-based capital ratio | 12.4852% | 4,180 |
| Total risk-based capital ratio | 13.7480% | 4,040 |
| Memoranda: | ||
| Average total assets | $392,917,000 | 1,796 |
| Average earning assets | $364,998,500 | 1,795 |
| Average equity | $34,240,000 | 2,177 |
| Average total loans | $254,344,500 | 1,833 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 3,073 |
| Cost of funding earning assets | 0.2872% | 4,630 |
| Net interest margin | 4.0212% | 1,918 |
| Noninterest income to average assets | 0.6640% | 1,994 |
| Noninterest expense to average assets | 2.9939% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4026% | 1,428 |
| Return on assets (ROA) | 1.4026% | 1,415 |
| Pretax return on assets | 1.4085% | 2,105 |
| Return on Equity (ROE) | 16.4870% | 541 |
| Retained earnings to average equity (ytd only) | 8.4605% | 1,058 |
| Net charge-offs to loans | 0.0250% | 2,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 777 |
| Efficiency ratio | 68.0065% | 2,545 |
| Assets per employee ($millions) | 4.6837% | 2,901 |
| Cash dividends to net income (ytd only)* | 48.6835% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7088% | 183 |
| Loan loss allowance to noncurrent loans | 523.2941% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 3,241 |
| Noncurrent loans to loans | 0.5176% | 2,728 |
| Net loans and leases to total assets | 61.6434% | 3,603 |
| Net loans and leases to deposits | 72.5779% | 3,619 |
| Net loans and leases to core deposits | 74.2598% | 3,829 |
| Total domestic deposits to total assets | 84.9342% | 2,668 |
| Equity capital to assets | 8.6434% | 4,851 |
| Core capital (leverage) ratio | 9.3638% | 4,283 |
| Tier 1 risk-based capital ratio | 12.8990% | 3,903 |
| Total risk-based capital ratio | 14.1633% | 3,784 |
| Memoranda: | ||
| Average total assets | $376,365,000 | 1,808 |
| Average earning assets | $349,891,800 | 1,810 |
| Average equity | $32,019,200 | 2,218 |
| Average total loans | $228,221,200 | 1,960 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 3,092 |
| Cost of funding earning assets | 0.2507% | 4,779 |
| Net interest margin | 4.0143% | 1,915 |
| Noninterest income to average assets | 0.6601% | 2,024 |
| Noninterest expense to average assets | 2.9811% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4141% | 1,439 |
| Return on assets (ROA) | 1.4141% | 1,438 |
| Pretax return on assets | 1.4198% | 2,161 |
| Return on Equity (ROE) | 16.6917% | 585 |
| Retained earnings to average equity (ytd only) | 10.8355% | 686 |
| Net charge-offs to loans | 0.0799% | 1,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 29.6646% | 1,624 |
| Efficiency ratio | 67.7380% | 2,588 |
| Assets per employee ($millions) | 4.5608% | 3,027 |
| Cash dividends to net income (ytd only)* | 35.0846% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7618% | 177 |
| Loan loss allowance to noncurrent loans | 378.5878% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 2,847 |
| Noncurrent loans to loans | 0.7295% | 2,256 |
| Net loans and leases to total assets | 61.3395% | 3,715 |
| Net loans and leases to deposits | 71.5487% | 3,802 |
| Net loans and leases to core deposits | 73.3520% | 3,989 |
| Total domestic deposits to total assets | 85.7310% | 2,312 |
| Equity capital to assets | 8.4095% | 4,978 |
| Core capital (leverage) ratio | 9.3595% | 4,321 |
| Tier 1 risk-based capital ratio | 13.3102% | 3,724 |
| Total risk-based capital ratio | 14.5754% | 3,642 |
| Memoranda: | ||
| Average total assets | $373,269,500 | 1,826 |
| Average earning assets | $347,850,250 | 1,821 |
| Average equity | $31,623,750 | 2,244 |
| Average total loans | $223,699,250 | 2,000 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2014% | 3,107 |
| Cost of funding earning assets | 0.2126% | 4,962 |
| Net interest margin | 3.9888% | 1,900 |
| Noninterest income to average assets | 0.7095% | 1,835 |
| Noninterest expense to average assets | 2.9792% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4411% | 1,305 |
| Return on assets (ROA) | 1.4411% | 1,309 |
| Pretax return on assets | 1.4471% | 1,996 |
| Return on Equity (ROE) | 16.9679% | 528 |
| Retained earnings to average equity (ytd only) | 11.5929% | 577 |
| Net charge-offs to loans | 0.0558% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 44.0656% | 1,221 |
| Efficiency ratio | 67.3072% | 2,761 |
| Assets per employee ($millions) | 4.2087% | 3,568 |
| Cash dividends to net income (ytd only)* | 31.6773% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8747% | 163 |
| Loan loss allowance to noncurrent loans | 259.1527% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 2,180 |
| Noncurrent loans to loans | 1.1093% | 1,589 |
| Net loans and leases to total assets | 60.1442% | 3,791 |
| Net loans and leases to deposits | 67.4981% | 4,054 |
| Net loans and leases to core deposits | 69.1484% | 4,194 |
| Total domestic deposits to total assets | 89.1051% | 892 |
| Equity capital to assets | 8.4677% | 4,970 |
| Core capital (leverage) ratio | 9.3452% | 4,307 |
| Tier 1 risk-based capital ratio | 13.4218% | 3,661 |
| Total risk-based capital ratio | 14.6881% | 3,568 |
| Memoranda: | ||
| Average total assets | $371,509,670 | 1,840 |
| Average earning assets | $346,171,330 | 1,834 |
| Average equity | $31,553,670 | 2,250 |
| Average total loans | $218,667,330 | 2,045 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 3,188 |
| Cost of funding earning assets | 0.1973% | 5,034 |
| Net interest margin | 3.9180% | 1,972 |
| Noninterest income to average assets | 0.8174% | 1,397 |
| Noninterest expense to average assets | 2.9505% | 2,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5104% | 1,058 |
| Return on assets (ROA) | 1.5104% | 1,057 |
| Pretax return on assets | 1.5158% | 1,644 |
| Return on Equity (ROE) | 17.7557% | 441 |
| Retained earnings to average equity (ytd only) | 12.5320% | 595 |
| Net charge-offs to loans | 0.2905% | 530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.1039% | 1,990 |
| Efficiency ratio | 66.0615% | 3,145 |
| Assets per employee ($millions) | 4.5666% | 3,042 |
| Cash dividends to net income (ytd only)* | 29.4202% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0439% | 152 |
| Loan loss allowance to noncurrent loans | 282.9174% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 2,379 |
| Noncurrent loans to loans | 1.0759% | 1,703 |
| Net loans and leases to total assets | 55.2557% | 4,183 |
| Net loans and leases to deposits | 61.0348% | 4,398 |
| Net loans and leases to core deposits | 62.5591% | 4,516 |
| Total domestic deposits to total assets | 90.5315% | 464 |
| Equity capital to assets | 8.1960% | 5,179 |
| Core capital (leverage) ratio | 9.1009% | 4,566 |
| Tier 1 risk-based capital ratio | 13.9311% | 3,409 |
| Total risk-based capital ratio | 15.1992% | 3,322 |
| Memoranda: | ||
| Average total assets | $369,975,500 | 1,857 |
| Average earning assets | $344,567,000 | 1,853 |
| Average equity | $31,471,500 | 2,272 |
| Average total loans | $212,023,500 | 2,099 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 3,496 |
| Cost of funding earning assets | 0.1709% | 5,150 |
| Net interest margin | 3.8033% | 2,417 |
| Noninterest income to average assets | 0.7496% | 1,773 |
| Noninterest expense to average assets | 3.1720% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1221% | 1,786 |
| Return on assets (ROA) | 1.1256% | 1,797 |
| Pretax return on assets | 1.1267% | 3,073 |
| Return on Equity (ROE) | 12.2909% | 1,130 |
| Retained earnings to average equity (ytd only) | 6.2813% | 1,391 |
| Net charge-offs to loans | 0.0211% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 92.4762% | 682 |
| Efficiency ratio | 73.8486% | 1,915 |
| Assets per employee ($millions) | 4.3485% | 3,418 |
| Cash dividends to net income (ytd only)* | 48.8952% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2345% | 109 |
| Loan loss allowance to noncurrent loans | 192.5322% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 1,529 |
| Noncurrent loans to loans | 1.6800% | 977 |
| Net loans and leases to total assets | 55.7760% | 4,213 |
| Net loans and leases to deposits | 62.2001% | 4,428 |
| Net loans and leases to core deposits | 63.7138% | 4,549 |
| Total domestic deposits to total assets | 89.6718% | 699 |
| Equity capital to assets | 8.8323% | 4,866 |
| Core capital (leverage) ratio | 9.4661% | 4,089 |
| Tier 1 risk-based capital ratio | 13.9743% | 3,376 |
| Total risk-based capital ratio | 15.2442% | 3,268 |
| Memoranda: | ||
| Average total assets | $345,773,800 | 1,938 |
| Average earning assets | $322,354,400 | 1,927 |
| Average equity | $31,665,600 | 2,242 |
| Average total loans | $198,798,600 | 2,166 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 3,387 |
| Cost of funding earning assets | 0.1722% | 5,181 |
| Net interest margin | 3.8201% | 2,317 |
| Noninterest income to average assets | 0.7684% | 1,706 |
| Noninterest expense to average assets | 3.2040% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1357% | 1,929 |
| Return on assets (ROA) | 1.1404% | 1,969 |
| Pretax return on assets | 1.1419% | 3,148 |
| Return on Equity (ROE) | 12.3366% | 1,233 |
| Retained earnings to average equity (ytd only) | 7.8153% | 1,295 |
| Net charge-offs to loans | 0.0679% | 2,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 29.1700% | 1,583 |
| Efficiency ratio | 73.8033% | 1,926 |
| Assets per employee ($millions) | 4.0706% | 3,868 |
| Cash dividends to net income (ytd only)* | 36.6497% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3779% | 105 |
| Loan loss allowance to noncurrent loans | 155.8281% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.2854% | 1,251 |
| Noncurrent loans to loans | 2.1677% | 758 |
| Net loans and leases to total assets | 55.8069% | 4,248 |
| Net loans and leases to deposits | 62.7024% | 4,460 |
| Net loans and leases to core deposits | 64.4748% | 4,586 |
| Total domestic deposits to total assets | 89.0029% | 892 |
| Equity capital to assets | 9.5830% | 4,359 |
| Core capital (leverage) ratio | 9.5734% | 4,064 |
| Tier 1 risk-based capital ratio | 14.8618% | 2,983 |
| Total risk-based capital ratio | 16.1339% | 2,898 |
| Memoranda: | ||
| Average total assets | $341,985,750 | 1,970 |
| Average earning assets | $319,845,250 | 1,948 |
| Average equity | $31,612,500 | 2,261 |
| Average total loans | $196,488,500 | 2,193 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 3,390 |
| Cost of funding earning assets | 0.1728% | 5,189 |
| Net interest margin | 3.7720% | 2,395 |
| Noninterest income to average assets | 0.7936% | 1,590 |
| Noninterest expense to average assets | 3.1608% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1538% | 1,765 |
| Return on assets (ROA) | 1.1538% | 1,812 |
| Pretax return on assets | 1.1561% | 2,955 |
| Return on Equity (ROE) | 12.6362% | 1,132 |
| Retained earnings to average equity (ytd only) | 8.0506% | 1,142 |
| Net charge-offs to loans | 0.0071% | 3,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 282.4286% | 302 |
| Efficiency ratio | 73.2186% | 2,146 |
| Assets per employee ($millions) | 3.7699% | 4,323 |
| Cash dividends to net income (ytd only)* | 36.2899% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3880% | 113 |
| Loan loss allowance to noncurrent loans | 139.3777% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.4204% | 1,108 |
| Noncurrent loans to loans | 2.4308% | 633 |
| Net loans and leases to total assets | 56.2233% | 4,207 |
| Net loans and leases to deposits | 63.0397% | 4,432 |
| Net loans and leases to core deposits | 64.8432% | 4,548 |
| Total domestic deposits to total assets | 89.1871% | 864 |
| Equity capital to assets | 9.4577% | 4,446 |
| Core capital (leverage) ratio | 9.5368% | 4,093 |
| Tier 1 risk-based capital ratio | 14.5130% | 3,160 |
| Total risk-based capital ratio | 15.7853% | 3,073 |
| Memoranda: | ||
| Average total assets | $342,005,330 | 1,968 |
| Average earning assets | $319,458,670 | 1,954 |
| Average equity | $31,227,670 | 2,274 |
| Average total loans | $196,154,670 | 2,203 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,192 |
| Cost of funding earning assets | 0.1709% | 5,231 |
| Net interest margin | 3.7839% | 2,170 |
| Noninterest income to average assets | 0.9020% | 1,235 |
| Noninterest expense to average assets | 3.1217% | 1,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3026% | 1,234 |
| Return on assets (ROA) | 1.3026% | 1,268 |
| Pretax return on assets | 1.3073% | 2,208 |
| Return on Equity (ROE) | 14.5272% | 721 |
| Retained earnings to average equity (ytd only) | 9.8241% | 848 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4840% | 2,820 |
| Assets per employee ($millions) | 4.0002% | 4,010 |
| Cash dividends to net income (ytd only)* | 32.3741% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4411% | 119 |
| Loan loss allowance to noncurrent loans | 149.8009% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 1,274 |
| Noncurrent loans to loans | 2.2971% | 721 |
| Net loans and leases to total assets | 55.8793% | 4,188 |
| Net loans and leases to deposits | 62.3911% | 4,411 |
| Net loans and leases to core deposits | 64.0957% | 4,529 |
| Total domestic deposits to total assets | 89.5629% | 871 |
| Equity capital to assets | 9.1434% | 4,667 |
| Core capital (leverage) ratio | 9.3315% | 4,302 |
| Tier 1 risk-based capital ratio | 13.9183% | 3,531 |
| Total risk-based capital ratio | 15.1899% | 3,428 |
| Memoranda: | ||
| Average total assets | $341,476,000 | 1,981 |
| Average earning assets | $318,298,500 | 1,974 |
| Average equity | $30,618,500 | 2,326 |
| Average total loans | $194,409,000 | 2,229 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 3,458 |
| Cost of funding earning assets | 0.1691% | 5,291 |
| Net interest margin | 3.7602% | 2,467 |
| Noninterest income to average assets | 0.7945% | 1,763 |
| Noninterest expense to average assets | 3.2668% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0197% | 2,265 |
| Return on assets (ROA) | 1.0296% | 2,327 |
| Pretax return on assets | 1.0360% | 3,339 |
| Return on Equity (ROE) | 10.9166% | 1,609 |
| Retained earnings to average equity (ytd only) | 5.8160% | 1,813 |
| Net charge-offs to loans | 0.0890% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.4620% | 1,783 |
| Efficiency ratio | 76.0995% | 1,968 |
| Assets per employee ($millions) | 3.9418% | 4,073 |
| Cash dividends to net income (ytd only)* | 46.7235% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5257% | 111 |
| Loan loss allowance to noncurrent loans | 143.1198% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3796% | 1,246 |
| Noncurrent loans to loans | 2.4634% | 641 |
| Net loans and leases to total assets | 54.0269% | 4,444 |
| Net loans and leases to deposits | 60.2014% | 4,658 |
| Net loans and leases to core deposits | 61.9003% | 4,759 |
| Total domestic deposits to total assets | 89.7435% | 756 |
| Equity capital to assets | 8.7912% | 5,024 |
| Core capital (leverage) ratio | 9.2719% | 4,380 |
| Tier 1 risk-based capital ratio | 13.4266% | 3,817 |
| Total risk-based capital ratio | 14.6977% | 3,701 |
| Memoranda: | ||
| Average total assets | $330,505,800 | 2,003 |
| Average earning assets | $307,484,000 | 1,994 |
| Average equity | $31,172,800 | 2,277 |
| Average total loans | $177,474,200 | 2,338 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 3,325 |
| Cost of funding earning assets | 0.1710% | 5,341 |
| Net interest margin | 3.7992% | 2,333 |
| Noninterest income to average assets | 0.8031% | 1,753 |
| Noninterest expense to average assets | 3.3088% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0260% | 2,314 |
| Return on assets (ROA) | 1.0393% | 2,372 |
| Pretax return on assets | 1.0454% | 3,448 |
| Return on Equity (ROE) | 10.8262% | 1,736 |
| Retained earnings to average equity (ytd only) | 8.1112% | 1,132 |
| Net charge-offs to loans | -0.0046% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2267% | 1,943 |
| Assets per employee ($millions) | 3.7661% | 4,366 |
| Cash dividends to net income (ytd only)* | 25.0783% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8121% | 90 |
| Loan loss allowance to noncurrent loans | 150.6953% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4045% | 1,326 |
| Noncurrent loans to loans | 2.5297% | 690 |
| Net loans and leases to total assets | 53.4053% | 4,544 |
| Net loans and leases to deposits | 60.3301% | 4,735 |
| Net loans and leases to core deposits | 62.1559% | 4,819 |
| Total domestic deposits to total assets | 88.5218% | 1,149 |
| Equity capital to assets | 10.0078% | 4,121 |
| Core capital (leverage) ratio | 9.4677% | 4,219 |
| Tier 1 risk-based capital ratio | 14.1664% | 3,473 |
| Total risk-based capital ratio | 15.4403% | 3,389 |
| Memoranda: | ||
| Average total assets | $327,398,500 | 2,024 |
| Average earning assets | $304,865,000 | 2,017 |
| Average equity | $31,429,000 | 2,275 |
| Average total loans | $173,830,750 | 2,378 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 3,366 |
| Cost of funding earning assets | 0.1727% | 5,387 |
| Net interest margin | 3.7928% | 2,350 |
| Noninterest income to average assets | 0.7308% | 2,003 |
| Noninterest expense to average assets | 3.2764% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9779% | 2,481 |
| Return on assets (ROA) | 0.9978% | 2,541 |
| Pretax return on assets | 1.0039% | 3,568 |
| Return on Equity (ROE) | 10.5440% | 1,832 |
| Retained earnings to average equity (ytd only) | 8.2195% | 1,103 |
| Net charge-offs to loans | -0.0105% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9076% | 1,941 |
| Assets per employee ($millions) | 3.8394% | 4,192 |
| Cash dividends to net income (ytd only)* | 22.0453% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8733% | 90 |
| Loan loss allowance to noncurrent loans | 149.7518% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 1,354 |
| Noncurrent loans to loans | 2.5865% | 652 |
| Net loans and leases to total assets | 53.3892% | 4,563 |
| Net loans and leases to deposits | 60.3866% | 4,770 |
| Net loans and leases to core deposits | 62.3074% | 4,862 |
| Total domestic deposits to total assets | 88.4123% | 1,219 |
| Equity capital to assets | 10.1354% | 4,046 |
| Core capital (leverage) ratio | 9.4474% | 4,274 |
| Tier 1 risk-based capital ratio | 13.9803% | 3,616 |
| Total risk-based capital ratio | 15.2544% | 3,518 |
| Memoranda: | ||
| Average total assets | $327,313,000 | 2,032 |
| Average earning assets | $304,576,330 | 2,023 |
| Average equity | $30,975,000 | 2,307 |
| Average total loans | $171,134,330 | 2,401 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,201 |
| Cost of funding earning assets | 0.1764% | 5,409 |
| Net interest margin | 3.8312% | 2,176 |
| Noninterest income to average assets | 0.6818% | 2,128 |
| Noninterest expense to average assets | 3.2198% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0142% | 2,215 |
| Return on assets (ROA) | 1.0142% | 2,333 |
| Pretax return on assets | 1.0191% | 3,405 |
| Return on Equity (ROE) | 11.1028% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.6458% | 1,210 |
| Net charge-offs to loans | -0.0024% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9588% | 2,181 |
| Assets per employee ($millions) | 3.7811% | 4,340 |
| Cash dividends to net income (ytd only)* | 22.1292% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1440% | 83 |
| Loan loss allowance to noncurrent loans | 152.5204% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 1,431 |
| Noncurrent loans to loans | 2.7170% | 649 |
| Net loans and leases to total assets | 49.8696% | 4,814 |
| Net loans and leases to deposits | 56.0454% | 4,982 |
| Net loans and leases to core deposits | 57.9810% | 5,051 |
| Total domestic deposits to total assets | 88.9808% | 1,112 |
| Equity capital to assets | 9.6318% | 4,530 |
| Core capital (leverage) ratio | 9.0036% | 4,852 |
| Tier 1 risk-based capital ratio | 14.3875% | 3,451 |
| Total risk-based capital ratio | 15.6639% | 3,373 |
| Memoranda: | ||
| Average total assets | $329,713,000 | 2,030 |
| Average earning assets | $306,116,500 | 2,016 |
| Average equity | $30,118,500 | 2,360 |
| Average total loans | $167,139,000 | 2,436 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 3,724 |
| Cost of funding earning assets | 0.1865% | 5,387 |
| Net interest margin | 3.7080% | 2,724 |
| Noninterest income to average assets | 0.8196% | 1,707 |
| Noninterest expense to average assets | 3.4473% | 1,391 |
| Loan and lease loss provision to assets | 0.1740% | 1,308 |
| Net operating income to assets | 0.6085% | 4,227 |
| Return on assets (ROA) | 0.6158% | 4,292 |
| Pretax return on assets | 0.6158% | 4,791 |
| Return on Equity (ROE) | 6.8011% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.8011% | 1,370 |
| Net charge-offs to loans | 0.1256% | 2,122 |
| Credit loss provision to net charge-offs | 269.6078% | 1,075 |
| Earnings coverage of net charge-offs (x) | 12.1225% | 2,498 |
| Efficiency ratio | 81.4992% | 1,472 |
| Assets per employee ($millions) | 3.9306% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1467% | 79 |
| Loan loss allowance to noncurrent loans | 125.1445% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.6824% | 1,161 |
| Noncurrent loans to loans | 3.3136% | 448 |
| Net loans and leases to total assets | 47.3751% | 5,067 |
| Net loans and leases to deposits | 52.6762% | 5,246 |
| Net loans and leases to core deposits | 54.2902% | 5,295 |
| Total domestic deposits to total assets | 89.9365% | 657 |
| Equity capital to assets | 8.6622% | 5,415 |
| Core capital (leverage) ratio | 8.9917% | 4,894 |
| Tier 1 risk-based capital ratio | 14.4084% | 3,489 |
| Total risk-based capital ratio | 15.6856% | 3,385 |
| Memoranda: | ||
| Average total assets | $316,013,400 | 2,067 |
| Average earning assets | $290,640,400 | 2,072 |
| Average equity | $28,613,000 | 2,415 |
| Average total loans | $162,369,000 | 2,436 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 3,609 |
| Cost of funding earning assets | 0.1915% | 5,450 |
| Net interest margin | 3.7430% | 2,600 |
| Noninterest income to average assets | 0.7626% | 1,970 |
| Noninterest expense to average assets | 3.4772% | 1,326 |
| Loan and lease loss provision to assets | 0.2362% | 759 |
| Net operating income to assets | 0.4904% | 4,828 |
| Return on assets (ROA) | 0.4904% | 4,917 |
| Pretax return on assets | 0.4904% | 5,243 |
| Return on Equity (ROE) | 5.3527% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.3527% | 2,678 |
| Net charge-offs to loans | 0.1249% | 1,879 |
| Credit loss provision to net charge-offs | 364.2384% | 819 |
| Earnings coverage of net charge-offs (x) | 11.2052% | 2,516 |
| Efficiency ratio | 82.7171% | 1,303 |
| Assets per employee ($millions) | 3.5204% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2437% | 79 |
| Loan loss allowance to noncurrent loans | 100.6923% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.7953% | 572 |
| Noncurrent loans to loans | 4.2146% | 286 |
| Net loans and leases to total assets | 50.2751% | 4,908 |
| Net loans and leases to deposits | 56.2684% | 5,106 |
| Net loans and leases to core deposits | 58.0907% | 5,186 |
| Total domestic deposits to total assets | 89.3488% | 840 |
| Equity capital to assets | 9.3407% | 4,953 |
| Core capital (leverage) ratio | 8.9704% | 5,029 |
| Tier 1 risk-based capital ratio | 14.6269% | 3,483 |
| Total risk-based capital ratio | 15.9064% | 3,400 |
| Memoranda: | ||
| Average total assets | $310,508,750 | 2,101 |
| Average earning assets | $285,467,750 | 2,112 |
| Average equity | $28,446,000 | 2,439 |
| Average total loans | $161,193,500 | 2,465 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 3,536 |
| Cost of funding earning assets | 0.1972% | 5,458 |
| Net interest margin | 3.7419% | 2,537 |
| Noninterest income to average assets | 0.7145% | 2,154 |
| Noninterest expense to average assets | 3.3995% | 1,474 |
| Loan and lease loss provision to assets | 0.3230% | 436 |
| Net operating income to assets | 0.4251% | 5,065 |
| Return on assets (ROA) | 0.4251% | 5,167 |
| Pretax return on assets | 0.4251% | 5,413 |
| Return on Equity (ROE) | 4.6712% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.6712% | 3,068 |
| Net charge-offs to loans | 0.3336% | 790 |
| Credit loss provision to net charge-offs | 187.2659% | 1,307 |
| Earnings coverage of net charge-offs (x) | 4.3371% | 3,053 |
| Efficiency ratio | 81.9626% | 1,492 |
| Assets per employee ($millions) | 3.2995% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2210% | 90 |
| Loan loss allowance to noncurrent loans | 87.9241% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 2.9656% | 571 |
| Noncurrent loans to loans | 4.8008% | 253 |
| Net loans and leases to total assets | 49.8580% | 4,944 |
| Net loans and leases to deposits | 55.5197% | 5,155 |
| Net loans and leases to core deposits | 57.3251% | 5,235 |
| Total domestic deposits to total assets | 89.8023% | 747 |
| Equity capital to assets | 8.9206% | 5,319 |
| Core capital (leverage) ratio | 8.9653% | 5,018 |
| Tier 1 risk-based capital ratio | 14.4141% | 3,689 |
| Total risk-based capital ratio | 15.6923% | 3,594 |
| Memoranda: | ||
| Average total assets | $309,573,000 | 2,126 |
| Average earning assets | $284,025,330 | 2,140 |
| Average equity | $28,172,670 | 2,470 |
| Average total loans | $160,091,000 | 2,482 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,433 |
| Cost of funding earning assets | 0.2044% | 5,470 |
| Net interest margin | 3.7421% | 2,459 |
| Noninterest income to average assets | 0.7424% | 1,951 |
| Noninterest expense to average assets | 3.3187% | 1,673 |
| Loan and lease loss provision to assets | 0.4850% | 220 |
| Net operating income to assets | 0.3712% | 5,181 |
| Return on assets (ROA) | 0.3712% | 5,300 |
| Pretax return on assets | 0.3712% | 5,493 |
| Return on Equity (ROE) | 4.0387% | 4,964 |
| Retained earnings to average equity (ytd only) | 4.0387% | 3,581 |
| Net charge-offs to loans | 0.7076% | 335 |
| Credit loss provision to net charge-offs | 132.9787% | 1,354 |
| Earnings coverage of net charge-offs (x) | 2.3475% | 2,777 |
| Efficiency ratio | 79.4919% | 1,961 |
| Assets per employee ($millions) | 3.3771% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2292% | 107 |
| Loan loss allowance to noncurrent loans | 73.1908% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 3.4290% | 490 |
| Noncurrent loans to loans | 5.7783% | 193 |
| Net loans and leases to total assets | 49.1857% | 4,925 |
| Net loans and leases to deposits | 55.0591% | 5,121 |
| Net loans and leases to core deposits | 56.9357% | 5,191 |
| Total domestic deposits to total assets | 89.3326% | 1,079 |
| Equity capital to assets | 9.4042% | 4,852 |
| Core capital (leverage) ratio | 8.7770% | 5,230 |
| Tier 1 risk-based capital ratio | 14.5154% | 3,710 |
| Total risk-based capital ratio | 15.7940% | 3,624 |
| Memoranda: | ||
| Average total assets | $309,281,000 | 2,139 |
| Average earning assets | $283,689,000 | 2,148 |
| Average equity | $28,425,000 | 2,472 |
| Average total loans | $159,410,000 | 2,497 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,879 |
| Cost of funding earning assets | 0.2135% | 5,636 |
| Net interest margin | 3.7446% | 2,828 |
| Noninterest income to average assets | 0.7510% | 2,072 |
| Noninterest expense to average assets | 3.3036% | 1,922 |
| Loan and lease loss provision to assets | 1.9080% | 33 |
| Net operating income to assets | -1.0249% | 6,384 |
| Return on assets (ROA) | -1.0249% | 6,383 |
| Pretax return on assets | -1.0249% | 6,377 |
| Return on Equity (ROE) | -10.8888% | 6,374 |
| Retained earnings to average equity (ytd only) | -13.1477% | 6,363 |
| Net charge-offs to loans | 2.9515% | 36 |
| Credit loss provision to net charge-offs | 122.2017% | 1,963 |
| Earnings coverage of net charge-offs (x) | 0.5656% | 4,613 |
| Efficiency ratio | 78.9063% | 2,076 |
| Assets per employee ($millions) | 3.4203% | 5,012 |
| Cash dividends to net income (ytd only)* | -20.7447% | 6,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0885% | 124 |
| Loan loss allowance to noncurrent loans | 70.5920% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 3.5281% | 527 |
| Noncurrent loans to loans | 5.7917% | 208 |
| Net loans and leases to total assets | 49.6095% | 5,006 |
| Net loans and leases to deposits | 55.3131% | 5,221 |
| Net loans and leases to core deposits | 57.0712% | 5,307 |
| Total domestic deposits to total assets | 89.6884% | 877 |
| Equity capital to assets | 8.9798% | 5,314 |
| Core capital (leverage) ratio | 8.9582% | 5,052 |
| Tier 1 risk-based capital ratio | 14.1512% | 3,996 |
| Total risk-based capital ratio | 15.4283% | 3,911 |
| Memoranda: | ||
| Average total assets | $311,841,400 | 2,082 |
| Average earning assets | $286,122,400 | 2,084 |
| Average equity | $29,351,200 | 2,314 |
| Average total loans | $164,965,600 | 2,374 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 3,874 |
| Cost of funding earning assets | 0.2175% | 5,688 |
| Net interest margin | 3.7532% | 2,796 |
| Noninterest income to average assets | 0.8427% | 1,734 |
| Noninterest expense to average assets | 3.2898% | 1,922 |
| Loan and lease loss provision to assets | 2.2222% | 26 |
| Net operating income to assets | -1.2188% | 6,481 |
| Return on assets (ROA) | -1.2188% | 6,480 |
| Pretax return on assets | -1.2188% | 6,470 |
| Return on Equity (ROE) | -12.8025% | 6,479 |
| Retained earnings to average equity (ytd only) | -15.7787% | 6,451 |
| Net charge-offs to loans | 2.1708% | 89 |
| Credit loss provision to net charge-offs | 192.4500% | 1,308 |
| Earnings coverage of net charge-offs (x) | 0.8690% | 4,293 |
| Efficiency ratio | 76.6275% | 2,395 |
| Assets per employee ($millions) | 3.2727% | 5,280 |
| Cash dividends to net income (ytd only)* | -23.2469% | 6,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9339% | 86 |
| Loan loss allowance to noncurrent loans | 65.3780% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 4.5209% | 399 |
| Noncurrent loans to loans | 7.5468% | 139 |
| Net loans and leases to total assets | 50.0993% | 4,995 |
| Net loans and leases to deposits | 55.8314% | 5,253 |
| Net loans and leases to core deposits | 57.6303% | 5,353 |
| Total domestic deposits to total assets | 89.7333% | 858 |
| Equity capital to assets | 8.9522% | 5,403 |
| Core capital (leverage) ratio | 8.8446% | 5,277 |
| Tier 1 risk-based capital ratio | 14.4149% | 3,929 |
| Total risk-based capital ratio | 15.7016% | 3,858 |
| Memoranda: | ||
| Average total assets | $311,991,000 | 2,098 |
| Average earning assets | $286,824,000 | 2,099 |
| Average equity | $29,701,750 | 2,296 |
| Average total loans | $165,960,000 | 2,382 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 3,902 |
| Cost of funding earning assets | 0.2229% | 5,722 |
| Net interest margin | 3.7363% | 2,814 |
| Noninterest income to average assets | 0.8506% | 1,657 |
| Noninterest expense to average assets | 3.2261% | 2,113 |
| Loan and lease loss provision to assets | 0.7657% | 168 |
| Net operating income to assets | 0.2922% | 5,593 |
| Return on assets (ROA) | 0.2922% | 5,660 |
| Pretax return on assets | 0.2922% | 5,792 |
| Return on Equity (ROE) | 3.0109% | 5,529 |
| Retained earnings to average equity (ytd only) | -1.3477% | 5,907 |
| Net charge-offs to loans | 0.8945% | 404 |
| Credit loss provision to net charge-offs | 160.4278% | 1,392 |
| Earnings coverage of net charge-offs (x) | 2.2166% | 3,604 |
| Efficiency ratio | 75.3053% | 2,758 |
| Assets per employee ($millions) | 3.2902% | 5,269 |
| Cash dividends to net income (ytd only)* | 144.7598% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5746% | 237 |
| Loan loss allowance to noncurrent loans | 59.1867% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 3.9141% | 560 |
| Noncurrent loans to loans | 6.0395% | 257 |
| Net loans and leases to total assets | 52.4793% | 4,694 |
| Net loans and leases to deposits | 59.1605% | 4,934 |
| Net loans and leases to core deposits | 61.1428% | 5,042 |
| Total domestic deposits to total assets | 88.7066% | 1,530 |
| Equity capital to assets | 10.0489% | 4,040 |
| Core capital (leverage) ratio | 10.0036% | 3,606 |
| Tier 1 risk-based capital ratio | 15.9186% | 3,140 |
| Total risk-based capital ratio | 17.1916% | 3,062 |
| Memoranda: | ||
| Average total assets | $313,443,000 | 2,084 |
| Average earning assets | $288,036,670 | 2,087 |
| Average equity | $30,422,330 | 2,254 |
| Average total loans | $167,239,330 | 2,366 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 4,091 |
| Cost of funding earning assets | 0.2247% | 5,801 |
| Net interest margin | 3.6735% | 2,975 |
| Noninterest income to average assets | 0.9320% | 1,300 |
| Noninterest expense to average assets | 3.2778% | 1,996 |
| Loan and lease loss provision to assets | 0.5675% | 239 |
| Net operating income to assets | 0.4679% | 4,854 |
| Return on assets (ROA) | 0.4679% | 4,924 |
| Pretax return on assets | 0.4679% | 5,261 |
| Return on Equity (ROE) | 4.9043% | 4,594 |
| Retained earnings to average equity (ytd only) | 0.5288% | 5,371 |
| Net charge-offs to loans | 0.7494% | 466 |
| Credit loss provision to net charge-offs | 143.3121% | 1,297 |
| Earnings coverage of net charge-offs (x) | 2.6146% | 2,839 |
| Efficiency ratio | 75.9942% | 2,808 |
| Assets per employee ($millions) | 3.4700% | 4,987 |
| Cash dividends to net income (ytd only)* | 89.2183% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3771% | 300 |
| Loan loss allowance to noncurrent loans | 120.2175% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 2.0576% | 1,644 |
| Noncurrent loans to loans | 2.8092% | 1,181 |
| Net loans and leases to total assets | 51.6418% | 4,716 |
| Net loans and leases to deposits | 58.0055% | 4,945 |
| Net loans and leases to core deposits | 59.8885% | 5,050 |
| Total domestic deposits to total assets | 89.0292% | 1,640 |
| Equity capital to assets | 9.7585% | 4,155 |
| Core capital (leverage) ratio | 9.8762% | 3,751 |
| Tier 1 risk-based capital ratio | 16.1263% | 3,103 |
| Total risk-based capital ratio | 17.3973% | 3,054 |
| Memoranda: | ||
| Average total assets | $317,168,000 | 2,065 |
| Average earning assets | $291,926,000 | 2,065 |
| Average equity | $30,259,000 | 2,260 |
| Average total loans | $167,591,000 | 2,367 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 3,771 |
| Cost of funding earning assets | 0.2495% | 5,967 |
| Net interest margin | 3.8425% | 2,491 |
| Noninterest income to average assets | 0.8909% | 1,712 |
| Noninterest expense to average assets | 3.2218% | 2,354 |
| Loan and lease loss provision to assets | 0.5907% | 424 |
| Net operating income to assets | 0.6071% | 4,234 |
| Return on assets (ROA) | 0.6071% | 4,353 |
| Pretax return on assets | 0.6113% | 4,843 |
| Return on Equity (ROE) | 5.9282% | 4,127 |
| Retained earnings to average equity (ytd only) | -2.3456% | 6,205 |
| Net charge-offs to loans | 1.0466% | 542 |
| Credit loss provision to net charge-offs | 98.1997% | 2,530 |
| Earnings coverage of net charge-offs (x) | 1.9984% | 4,379 |
| Efficiency ratio | 72.8284% | 3,326 |
| Assets per employee ($millions) | 3.7446% | 4,377 |
| Cash dividends to net income (ytd only)* | 139.5676% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2692% | 344 |
| Loan loss allowance to noncurrent loans | 90.8505% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.4578% | 1,409 |
| Noncurrent loans to loans | 3.5985% | 852 |
| Net loans and leases to total assets | 50.5430% | 5,023 |
| Net loans and leases to deposits | 56.5557% | 5,251 |
| Net loans and leases to core deposits | 58.2621% | 5,372 |
| Total domestic deposits to total assets | 89.3685% | 1,403 |
| Equity capital to assets | 9.3289% | 4,656 |
| Core capital (leverage) ratio | 9.9491% | 3,643 |
| Tier 1 risk-based capital ratio | 16.7950% | 2,716 |
| Total risk-based capital ratio | 18.0668% | 2,652 |
| Memoranda: | ||
| Average total assets | $304,736,800 | 2,121 |
| Average earning assets | $280,179,600 | 2,115 |
| Average equity | $31,206,800 | 2,177 |
| Average total loans | $175,135,000 | 2,251 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 3,438 |
| Cost of funding earning assets | 0.2580% | 6,025 |
| Net interest margin | 3.9279% | 2,176 |
| Noninterest income to average assets | 0.9263% | 1,671 |
| Noninterest expense to average assets | 3.1924% | 2,391 |
| Loan and lease loss provision to assets | 0.5992% | 404 |
| Net operating income to assets | 0.7390% | 3,654 |
| Return on assets (ROA) | 0.7390% | 3,783 |
| Pretax return on assets | 0.7434% | 4,516 |
| Return on Equity (ROE) | 7.0479% | 3,620 |
| Retained earnings to average equity (ytd only) | -1.1006% | 6,148 |
| Net charge-offs to loans | 0.8934% | 651 |
| Credit loss provision to net charge-offs | 113.9241% | 2,066 |
| Earnings coverage of net charge-offs (x) | 2.5527% | 3,982 |
| Efficiency ratio | 70.3954% | 3,692 |
| Assets per employee ($millions) | 3.5428% | 4,762 |
| Cash dividends to net income (ytd only)* | 115.6157% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3265% | 401 |
| Loan loss allowance to noncurrent loans | 84.3546% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.7981% | 1,338 |
| Noncurrent loans to loans | 3.9435% | 895 |
| Net loans and leases to total assets | 54.9996% | 4,459 |
| Net loans and leases to deposits | 62.1755% | 4,738 |
| Net loans and leases to core deposits | 64.3156% | 4,869 |
| Total domestic deposits to total assets | 88.4587% | 1,860 |
| Equity capital to assets | 10.2482% | 3,579 |
| Core capital (leverage) ratio | 10.3830% | 3,128 |
| Tier 1 risk-based capital ratio | 16.8118% | 2,801 |
| Total risk-based capital ratio | 18.0841% | 2,741 |
| Memoranda: | ||
| Average total assets | $300,412,750 | 2,158 |
| Average earning assets | $276,001,500 | 2,148 |
| Average equity | $31,498,000 | 2,178 |
| Average total loans | $176,852,250 | 2,237 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 3,578 |
| Cost of funding earning assets | 0.2609% | 6,097 |
| Net interest margin | 3.8802% | 2,272 |
| Noninterest income to average assets | 0.8868% | 1,863 |
| Noninterest expense to average assets | 3.1495% | 2,512 |
| Loan and lease loss provision to assets | 0.5997% | 425 |
| Net operating income to assets | 0.7109% | 3,751 |
| Return on assets (ROA) | 0.7109% | 3,924 |
| Pretax return on assets | 0.7156% | 4,633 |
| Return on Equity (ROE) | 6.7297% | 3,753 |
| Retained earnings to average equity (ytd only) | -2.2895% | 6,223 |
| Net charge-offs to loans | 1.1819% | 494 |
| Credit loss provision to net charge-offs | 85.2273% | 2,538 |
| Earnings coverage of net charge-offs (x) | 1.8693% | 3,903 |
| Efficiency ratio | 70.5417% | 3,728 |
| Assets per employee ($millions) | 3.3653% | 5,140 |
| Cash dividends to net income (ytd only)* | 134.0206% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0699% | 539 |
| Loan loss allowance to noncurrent loans | 71.0436% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 3.0052% | 1,345 |
| Noncurrent loans to loans | 4.3211% | 837 |
| Net loans and leases to total assets | 56.6952% | 4,179 |
| Net loans and leases to deposits | 64.1995% | 4,473 |
| Net loans and leases to core deposits | 66.4014% | 4,651 |
| Total domestic deposits to total assets | 88.3110% | 2,035 |
| Equity capital to assets | 10.4189% | 3,405 |
| Core capital (leverage) ratio | 10.5300% | 2,845 |
| Tier 1 risk-based capital ratio | 16.5432% | 2,923 |
| Total risk-based capital ratio | 17.8131% | 2,868 |
| Memoranda: | ||
| Average total assets | $300,172,000 | 2,163 |
| Average earning assets | $276,786,330 | 2,146 |
| Average equity | $31,710,330 | 2,169 |
| Average total loans | $178,695,670 | 2,214 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 3,438 |
| Cost of funding earning assets | 0.2692% | 6,165 |
| Net interest margin | 3.8975% | 2,125 |
| Noninterest income to average assets | 0.9038% | 1,748 |
| Noninterest expense to average assets | 3.0988% | 2,673 |
| Loan and lease loss provision to assets | 0.5990% | 424 |
| Net operating income to assets | 0.7854% | 3,242 |
| Return on assets (ROA) | 0.7854% | 3,372 |
| Pretax return on assets | 0.7907% | 4,202 |
| Return on Equity (ROE) | 7.3837% | 3,278 |
| Retained earnings to average equity (ytd only) | -4.3176% | 6,310 |
| Net charge-offs to loans | 1.2635% | 450 |
| Credit loss provision to net charge-offs | 78.9474% | 2,166 |
| Earnings coverage of net charge-offs (x) | 1.8316% | 3,231 |
| Efficiency ratio | 69.0391% | 4,140 |
| Assets per employee ($millions) | 3.4071% | 5,183 |
| Cash dividends to net income (ytd only)* | 158.4746% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0631% | 615 |
| Loan loss allowance to noncurrent loans | 67.3132% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.0318% | 1,476 |
| Noncurrent loans to loans | 4.5505% | 907 |
| Net loans and leases to total assets | 57.1452% | 3,896 |
| Net loans and leases to deposits | 64.8883% | 4,198 |
| Net loans and leases to core deposits | 67.1754% | 4,397 |
| Total domestic deposits to total assets | 88.0670% | 2,270 |
| Equity capital to assets | 10.5865% | 3,444 |
| Core capital (leverage) ratio | 10.4543% | 2,841 |
| Tier 1 risk-based capital ratio | 16.4370% | 3,041 |
| Total risk-based capital ratio | 17.7071% | 2,982 |
| Memoranda: | ||
| Average total assets | $300,502,000 | 2,186 |
| Average earning assets | $276,379,500 | 2,177 |
| Average equity | $31,962,500 | 2,183 |
| Average total loans | $180,450,000 | 2,208 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 2,101 |
| Cost of funding earning assets | 0.3942% | 5,956 |
| Net interest margin | 4.4315% | 1,087 |
| Noninterest income to average assets | 1.2404% | 1,017 |
| Noninterest expense to average assets | 3.3588% | 2,156 |
| Loan and lease loss provision to assets | 0.7348% | 693 |
| Net operating income to assets | 1.2044% | 1,589 |
| Return on assets (ROA) | 1.2044% | 1,753 |
| Pretax return on assets | 1.2065% | 2,786 |
| Return on Equity (ROE) | 10.9259% | 1,827 |
| Retained earnings to average equity (ytd only) | 4.6218% | 2,974 |
| Net charge-offs to loans | 0.8463% | 1,361 |
| Credit loss provision to net charge-offs | 133.2487% | 2,102 |
| Earnings coverage of net charge-offs (x) | 3.5203% | 3,697 |
| Efficiency ratio | 63.3723% | 5,002 |
| Assets per employee ($millions) | 3.3840% | 5,250 |
| Cash dividends to net income (ytd only)* | 57.6990% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0051% | 660 |
| Loan loss allowance to noncurrent loans | 69.6539% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.8043% | 1,709 |
| Noncurrent loans to loans | 4.3144% | 1,019 |
| Net loans and leases to total assets | 59.3057% | 3,723 |
| Net loans and leases to deposits | 67.3295% | 4,078 |
| Net loans and leases to core deposits | 69.6789% | 4,358 |
| Total domestic deposits to total assets | 88.0829% | 2,186 |
| Equity capital to assets | 10.6860% | 3,302 |
| Core capital (leverage) ratio | 10.5935% | 2,662 |
| Tier 1 risk-based capital ratio | 16.0015% | 3,167 |
| Total risk-based capital ratio | 17.2707% | 3,103 |
| Memoranda: | ||
| Average total assets | $285,787,200 | 2,231 |
| Average earning assets | $261,808,800 | 2,217 |
| Average equity | $31,503,000 | 2,168 |
| Average total loans | $186,211,400 | 2,130 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 1,982 |
| Cost of funding earning assets | 0.4154% | 6,023 |
| Net interest margin | 4.4923% | 1,006 |
| Noninterest income to average assets | 1.2187% | 1,005 |
| Noninterest expense to average assets | 3.3902% | 2,027 |
| Loan and lease loss provision to assets | 0.7803% | 620 |
| Net operating income to assets | 1.1681% | 1,837 |
| Return on assets (ROA) | 1.1681% | 2,033 |
| Pretax return on assets | 1.1700% | 3,099 |
| Return on Equity (ROE) | 10.5106% | 2,134 |
| Retained earnings to average equity (ytd only) | 5.5702% | 2,989 |
| Net charge-offs to loans | 0.3113% | 2,884 |
| Credit loss provision to net charge-offs | 378.4404% | 713 |
| Earnings coverage of net charge-offs (x) | 9.4587% | 2,320 |
| Efficiency ratio | 63.4818% | 4,892 |
| Assets per employee ($millions) | 3.2423% | 5,549 |
| Cash dividends to net income (ytd only)* | 47.0040% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4593% | 482 |
| Loan loss allowance to noncurrent loans | 67.3520% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 3.3784% | 1,497 |
| Noncurrent loans to loans | 5.1361% | 872 |
| Net loans and leases to total assets | 60.1941% | 3,742 |
| Net loans and leases to deposits | 68.6720% | 4,073 |
| Net loans and leases to core deposits | 71.0263% | 4,372 |
| Total domestic deposits to total assets | 87.6544% | 2,258 |
| Equity capital to assets | 11.1233% | 3,126 |
| Core capital (leverage) ratio | 10.9651% | 2,425 |
| Tier 1 risk-based capital ratio | 16.4231% | 3,045 |
| Total risk-based capital ratio | 17.6982% | 2,998 |
| Memoranda: | ||
| Average total assets | $281,939,000 | 2,283 |
| Average earning assets | $258,689,500 | 2,270 |
| Average equity | $31,332,750 | 2,196 |
| Average total loans | $186,726,500 | 2,139 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 1,543 |
| Cost of funding earning assets | 0.4476% | 5,986 |
| Net interest margin | 4.6374% | 766 |
| Noninterest income to average assets | 1.1418% | 1,093 |
| Noninterest expense to average assets | 3.4276% | 1,964 |
| Loan and lease loss provision to assets | 0.8580% | 563 |
| Net operating income to assets | 1.1003% | 2,044 |
| Return on assets (ROA) | 1.1003% | 2,269 |
| Pretax return on assets | 1.1011% | 3,298 |
| Return on Equity (ROE) | 9.9042% | 2,396 |
| Retained earnings to average equity (ytd only) | 4.9425% | 3,306 |
| Net charge-offs to loans | 0.3788% | 2,498 |
| Credit loss provision to net charge-offs | 335.1955% | 878 |
| Earnings coverage of net charge-offs (x) | 7.6536% | 2,443 |
| Efficiency ratio | 63.6315% | 4,960 |
| Assets per employee ($millions) | 3.1125% | 5,817 |
| Cash dividends to net income (ytd only)* | 50.0975% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1469% | 680 |
| Loan loss allowance to noncurrent loans | 75.6561% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.9526% | 1,866 |
| Noncurrent loans to loans | 4.1595% | 1,317 |
| Net loans and leases to total assets | 63.5873% | 3,127 |
| Net loans and leases to deposits | 72.5123% | 3,532 |
| Net loans and leases to core deposits | 75.4756% | 3,820 |
| Total domestic deposits to total assets | 87.6918% | 2,341 |
| Equity capital to assets | 11.1177% | 2,995 |
| Core capital (leverage) ratio | 11.0055% | 2,286 |
| Tier 1 risk-based capital ratio | 15.5842% | 3,390 |
| Total risk-based capital ratio | 16.8554% | 3,345 |
| Memoranda: | ||
| Average total assets | $279,730,330 | 2,301 |
| Average earning assets | $256,047,330 | 2,296 |
| Average equity | $31,077,670 | 2,197 |
| Average total loans | $188,994,330 | 2,124 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1194% | 1,525 |
| Cost of funding earning assets | 0.4740% | 5,987 |
| Net interest margin | 4.6454% | 752 |
| Noninterest income to average assets | 1.0994% | 1,172 |
| Noninterest expense to average assets | 3.4118% | 1,980 |
| Loan and lease loss provision to assets | 0.8634% | 526 |
| Net operating income to assets | 1.0692% | 2,209 |
| Return on assets (ROA) | 1.0692% | 2,399 |
| Pretax return on assets | 1.0692% | 3,439 |
| Return on Equity (ROE) | 9.6270% | 2,549 |
| Retained earnings to average equity (ytd only) | 4.6256% | 3,797 |
| Net charge-offs to loans | 0.1428% | 3,245 |
| Credit loss provision to net charge-offs | 882.3529% | 396 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,215 |
| Efficiency ratio | 63.8395% | 4,948 |
| Assets per employee ($millions) | 3.1075% | 5,943 |
| Cash dividends to net income (ytd only)* | 51.9515% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9130% | 901 |
| Loan loss allowance to noncurrent loans | 82.7906% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 2.6366% | 2,242 |
| Noncurrent loans to loans | 3.5185% | 1,774 |
| Net loans and leases to total assets | 66.0442% | 2,461 |
| Net loans and leases to deposits | 75.2301% | 2,938 |
| Net loans and leases to core deposits | 78.0402% | 3,316 |
| Total domestic deposits to total assets | 87.7895% | 2,473 |
| Equity capital to assets | 11.0867% | 2,809 |
| Core capital (leverage) ratio | 11.1081% | 2,181 |
| Tier 1 risk-based capital ratio | 15.0820% | 3,704 |
| Total risk-based capital ratio | 16.3508% | 3,652 |
| Memoranda: | ||
| Average total assets | $277,974,500 | 2,327 |
| Average earning assets | $254,014,500 | 2,332 |
| Average equity | $30,871,500 | 2,213 |
| Average total loans | $190,512,500 | 2,122 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5618% | 1,034 |
| Cost of funding earning assets | 0.6085% | 6,057 |
| Net interest margin | 4.9534% | 455 |
| Noninterest income to average assets | 1.1576% | 978 |
| Noninterest expense to average assets | 3.7494% | 1,444 |
| Loan and lease loss provision to assets | 0.7913% | 1,254 |
| Net operating income to assets | 1.1312% | 1,721 |
| Return on assets (ROA) | 1.1312% | 1,840 |
| Pretax return on assets | 1.1324% | 2,718 |
| Return on Equity (ROE) | 9.9240% | 2,086 |
| Retained earnings to average equity (ytd only) | 3.6397% | 3,618 |
| Net charge-offs to loans | 1.0243% | 1,705 |
| Credit loss provision to net charge-offs | 105.5807% | 3,240 |
| Earnings coverage of net charge-offs (x) | 2.5666% | 3,932 |
| Efficiency ratio | 66.0910% | 4,753 |
| Assets per employee ($millions) | 3.1394% | 5,832 |
| Cash dividends to net income (ytd only)* | 63.3245% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6262% | 1,159 |
| Loan loss allowance to noncurrent loans | 75.3497% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 2.7216% | 2,235 |
| Noncurrent loans to loans | 3.4853% | 1,838 |
| Net loans and leases to total assets | 67.2391% | 2,527 |
| Net loans and leases to deposits | 76.7688% | 3,045 |
| Net loans and leases to core deposits | 79.5745% | 3,503 |
| Total domestic deposits to total assets | 87.5865% | 2,419 |
| Equity capital to assets | 11.1253% | 2,864 |
| Core capital (leverage) ratio | 11.1147% | 2,181 |
| Tier 1 risk-based capital ratio | 14.7594% | 3,789 |
| Total risk-based capital ratio | 16.0242% | 3,754 |
| Memoranda: | ||
| Average total assets | $265,374,800 | 2,374 |
| Average earning assets | $241,917,000 | 2,385 |
| Average equity | $30,250,000 | 2,177 |
| Average total loans | $194,181,400 | 2,094 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6421% | 956 |
| Cost of funding earning assets | 0.6372% | 6,104 |
| Net interest margin | 5.0049% | 409 |
| Noninterest income to average assets | 1.1214% | 1,053 |
| Noninterest expense to average assets | 3.7697% | 1,360 |
| Loan and lease loss provision to assets | 0.6853% | 1,410 |
| Net operating income to assets | 1.2361% | 1,554 |
| Return on assets (ROA) | 1.2361% | 1,657 |
| Pretax return on assets | 1.2361% | 2,501 |
| Return on Equity (ROE) | 10.7758% | 1,937 |
| Retained earnings to average equity (ytd only) | 6.7885% | 2,088 |
| Net charge-offs to loans | 0.9639% | 1,671 |
| Credit loss provision to net charge-offs | 95.7447% | 3,575 |
| Earnings coverage of net charge-offs (x) | 2.6844% | 3,779 |
| Efficiency ratio | 66.2385% | 4,680 |
| Assets per employee ($millions) | 2.9184% | 6,278 |
| Cash dividends to net income (ytd only)* | 37.0019% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5322% | 1,349 |
| Loan loss allowance to noncurrent loans | 68.3089% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 3.1577% | 2,026 |
| Noncurrent loans to loans | 3.7070% | 1,837 |
| Net loans and leases to total assets | 70.9124% | 1,916 |
| Net loans and leases to deposits | 81.5090% | 2,446 |
| Net loans and leases to core deposits | 84.5328% | 2,978 |
| Total domestic deposits to total assets | 86.9994% | 2,659 |
| Equity capital to assets | 11.8649% | 2,361 |
| Core capital (leverage) ratio | 11.5536% | 1,987 |
| Tier 1 risk-based capital ratio | 14.9880% | 3,665 |
| Total risk-based capital ratio | 16.2522% | 3,627 |
| Memoranda: | ||
| Average total assets | $262,650,750 | 2,418 |
| Average earning assets | $239,811,500 | 2,409 |
| Average equity | $30,128,500 | 2,190 |
| Average total loans | $195,033,750 | 2,109 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6285% | 1,023 |
| Cost of funding earning assets | 0.6574% | 6,190 |
| Net interest margin | 4.9711% | 413 |
| Noninterest income to average assets | 1.0638% | 1,163 |
| Noninterest expense to average assets | 3.8919% | 1,207 |
| Loan and lease loss provision to assets | 0.4569% | 2,139 |
| Net operating income to assets | 1.2526% | 1,436 |
| Return on assets (ROA) | 1.2526% | 1,508 |
| Pretax return on assets | 1.2526% | 2,296 |
| Return on Equity (ROE) | 11.0464% | 1,779 |
| Retained earnings to average equity (ytd only) | 7.4001% | 1,695 |
| Net charge-offs to loans | 0.9453% | 1,652 |
| Credit loss provision to net charge-offs | 64.6552% | 4,214 |
| Earnings coverage of net charge-offs (x) | 2.4192% | 3,606 |
| Efficiency ratio | 69.4807% | 4,212 |
| Assets per employee ($millions) | 2.9624% | 6,162 |
| Cash dividends to net income (ytd only)* | 33.0091% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3667% | 1,643 |
| Loan loss allowance to noncurrent loans | 70.5292% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 2.8742% | 2,336 |
| Noncurrent loans to loans | 3.3556% | 2,123 |
| Net loans and leases to total assets | 71.5215% | 1,879 |
| Net loans and leases to deposits | 81.9065% | 2,471 |
| Net loans and leases to core deposits | 84.8841% | 3,089 |
| Total domestic deposits to total assets | 87.3209% | 2,558 |
| Equity capital to assets | 11.5886% | 2,424 |
| Core capital (leverage) ratio | 11.5735% | 1,858 |
| Tier 1 risk-based capital ratio | 14.5829% | 3,737 |
| Total risk-based capital ratio | 15.8448% | 3,702 |
| Memoranda: | ||
| Average total assets | $262,648,330 | 2,434 |
| Average earning assets | $239,743,330 | 2,428 |
| Average equity | $29,783,330 | 2,196 |
| Average total loans | $196,346,330 | 2,118 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7344% | 827 |
| Cost of funding earning assets | 0.7105% | 6,080 |
| Net interest margin | 5.0239% | 364 |
| Noninterest income to average assets | 1.0498% | 1,195 |
| Noninterest expense to average assets | 4.1717% | 843 |
| Loan and lease loss provision to assets | 0.4578% | 1,924 |
| Net operating income to assets | 1.0056% | 2,169 |
| Return on assets (ROA) | 1.0056% | 2,217 |
| Pretax return on assets | 1.0056% | 3,115 |
| Return on Equity (ROE) | 8.9666% | 2,486 |
| Retained earnings to average equity (ytd only) | 4.0683% | 3,716 |
| Net charge-offs to loans | 0.6608% | 1,886 |
| Credit loss provision to net charge-offs | 91.7431% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.9327% | 2,910 |
| Efficiency ratio | 74.0320% | 3,508 |
| Assets per employee ($millions) | 2.8508% | 6,443 |
| Cash dividends to net income (ytd only)* | 54.6282% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4913% | 1,471 |
| Loan loss allowance to noncurrent loans | 70.8758% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.9562% | 2,336 |
| Noncurrent loans to loans | 3.5151% | 2,120 |
| Net loans and leases to total assets | 73.5041% | 1,421 |
| Net loans and leases to deposits | 83.8821% | 2,051 |
| Net loans and leases to core deposits | 86.9659% | 2,741 |
| Total domestic deposits to total assets | 87.6278% | 2,592 |
| Equity capital to assets | 11.3896% | 2,352 |
| Core capital (leverage) ratio | 11.1382% | 2,082 |
| Tier 1 risk-based capital ratio | 13.9892% | 4,077 |
| Total risk-based capital ratio | 15.2527% | 4,050 |
| Memoranda: | ||
| Average total assets | $262,145,000 | 2,455 |
| Average earning assets | $239,258,000 | 2,453 |
| Average equity | $29,398,000 | 2,212 |
| Average total loans | $197,949,000 | 2,126 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8535% | 1,141 |
| Cost of funding earning assets | 0.9744% | 5,821 |
| Net interest margin | 4.8791% | 568 |
| Noninterest income to average assets | 1.0984% | 1,232 |
| Noninterest expense to average assets | 3.6268% | 1,858 |
| Loan and lease loss provision to assets | 0.8936% | 1,828 |
| Net operating income to assets | 1.0172% | 1,977 |
| Return on assets (ROA) | 1.0172% | 2,088 |
| Pretax return on assets | 1.0209% | 2,861 |
| Return on Equity (ROE) | 9.5036% | 2,109 |
| Retained earnings to average equity (ytd only) | 3.7708% | 3,225 |
| Net charge-offs to loans | 0.8558% | 2,495 |
| Credit loss provision to net charge-offs | 135.6699% | 2,857 |
| Earnings coverage of net charge-offs (x) | 2.9067% | 3,623 |
| Efficiency ratio | 65.4505% | 5,079 |
| Assets per employee ($millions) | 2.8481% | 6,443 |
| Cash dividends to net income (ytd only)* | 60.3221% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4453% | 1,487 |
| Loan loss allowance to noncurrent loans | 61.9030% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 3.4013% | 2,055 |
| Noncurrent loans to loans | 3.9503% | 1,848 |
| Net loans and leases to total assets | 73.7882% | 1,700 |
| Net loans and leases to deposits | 86.2646% | 2,046 |
| Net loans and leases to core deposits | 89.3274% | 2,853 |
| Total domestic deposits to total assets | 85.5370% | 3,581 |
| Equity capital to assets | 11.0428% | 2,650 |
| Core capital (leverage) ratio | 10.9085% | 2,221 |
| Tier 1 risk-based capital ratio | 13.4992% | 4,202 |
| Total risk-based capital ratio | 14.7623% | 4,163 |
| Memoranda: | ||
| Average total assets | $268,584,400 | 2,374 |
| Average earning assets | $244,571,800 | 2,386 |
| Average equity | $28,747,000 | 2,262 |
| Average total loans | $206,699,400 | 2,098 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 1,174 |
| Cost of funding earning assets | 1.0326% | 5,785 |
| Net interest margin | 4.8501% | 607 |
| Noninterest income to average assets | 1.0339% | 1,355 |
| Noninterest expense to average assets | 3.5649% | 1,866 |
| Loan and lease loss provision to assets | 0.8905% | 1,707 |
| Net operating income to assets | 0.9958% | 2,244 |
| Return on assets (ROA) | 0.9958% | 2,363 |
| Pretax return on assets | 0.9958% | 3,201 |
| Return on Equity (ROE) | 9.3773% | 2,359 |
| Retained earnings to average equity (ytd only) | 3.5171% | 3,980 |
| Net charge-offs to loans | 0.3361% | 3,969 |
| Credit loss provision to net charge-offs | 342.8571% | 928 |
| Earnings coverage of net charge-offs (x) | 7.2629% | 2,363 |
| Efficiency ratio | 65.3961% | 4,976 |
| Assets per employee ($millions) | 2.8013% | 6,583 |
| Cash dividends to net income (ytd only)* | 62.4938% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7100% | 1,075 |
| Loan loss allowance to noncurrent loans | 69.4524% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 3.4569% | 2,057 |
| Noncurrent loans to loans | 3.9019% | 1,937 |
| Net loans and leases to total assets | 76.3837% | 1,334 |
| Net loans and leases to deposits | 89.4908% | 1,789 |
| Net loans and leases to core deposits | 92.6162% | 2,708 |
| Total domestic deposits to total assets | 85.3537% | 3,433 |
| Equity capital to assets | 11.2078% | 2,769 |
| Core capital (leverage) ratio | 10.7150% | 2,498 |
| Tier 1 risk-based capital ratio | 13.1531% | 4,454 |
| Total risk-based capital ratio | 14.4191% | 4,425 |
| Memoranda: | ||
| Average total assets | $269,513,250 | 2,398 |
| Average earning assets | $245,459,250 | 2,413 |
| Average equity | $28,621,500 | 2,302 |
| Average total loans | $208,289,000 | 2,114 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8206% | 1,379 |
| Cost of funding earning assets | 1.0779% | 5,795 |
| Net interest margin | 4.7427% | 739 |
| Noninterest income to average assets | 0.9512% | 1,513 |
| Noninterest expense to average assets | 3.5162% | 1,991 |
| Loan and lease loss provision to assets | 0.8807% | 1,654 |
| Net operating income to assets | 0.8748% | 2,641 |
| Return on assets (ROA) | 0.8748% | 2,774 |
| Pretax return on assets | 0.8748% | 3,595 |
| Return on Equity (ROE) | 8.3858% | 2,719 |
| Retained earnings to average equity (ytd only) | 1.9980% | 4,863 |
| Net charge-offs to loans | 0.3140% | 3,752 |
| Credit loss provision to net charge-offs | 364.7416% | 999 |
| Earnings coverage of net charge-offs (x) | 7.2705% | 2,329 |
| Efficiency ratio | 66.6992% | 4,842 |
| Assets per employee ($millions) | 2.8459% | 6,466 |
| Cash dividends to net income (ytd only)* | 76.1745% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4870% | 1,320 |
| Loan loss allowance to noncurrent loans | 60.9753% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 3.4828% | 2,015 |
| Noncurrent loans to loans | 4.0788% | 1,852 |
| Net loans and leases to total assets | 75.3210% | 1,623 |
| Net loans and leases to deposits | 90.3017% | 1,806 |
| Net loans and leases to core deposits | 95.8058% | 2,464 |
| Total domestic deposits to total assets | 83.4104% | 4,386 |
| Equity capital to assets | 10.7009% | 3,174 |
| Core capital (leverage) ratio | 10.4847% | 2,640 |
| Tier 1 risk-based capital ratio | 12.7440% | 4,652 |
| Total risk-based capital ratio | 14.0075% | 4,609 |
| Memoranda: | ||
| Average total assets | $272,509,670 | 2,392 |
| Average earning assets | $248,257,670 | 2,411 |
| Average equity | $28,429,000 | 2,309 |
| Average total loans | $209,538,330 | 2,129 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8656% | 1,283 |
| Cost of funding earning assets | 1.1483% | 5,668 |
| Net interest margin | 4.7173% | 755 |
| Noninterest income to average assets | 0.8887% | 1,670 |
| Noninterest expense to average assets | 3.4792% | 2,039 |
| Loan and lease loss provision to assets | 0.8727% | 1,461 |
| Net operating income to assets | 0.8451% | 2,774 |
| Return on assets (ROA) | 0.8451% | 2,867 |
| Pretax return on assets | 0.8451% | 3,686 |
| Return on Equity (ROE) | 8.2032% | 2,782 |
| Retained earnings to average equity (ytd only) | 3.1486% | 4,259 |
| Net charge-offs to loans | 0.2901% | 3,251 |
| Credit loss provision to net charge-offs | 392.1569% | 1,044 |
| Earnings coverage of net charge-offs (x) | 7.7190% | 2,050 |
| Efficiency ratio | 66.9465% | 4,930 |
| Assets per employee ($millions) | 2.9477% | 6,336 |
| Cash dividends to net income (ytd only)* | 61.6179% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2441% | 1,672 |
| Loan loss allowance to noncurrent loans | 78.1794% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 2.3411% | 3,104 |
| Noncurrent loans to loans | 2.8705% | 2,808 |
| Net loans and leases to total assets | 75.7349% | 1,598 |
| Net loans and leases to deposits | 90.4203% | 1,842 |
| Net loans and leases to core deposits | 92.5892% | 3,030 |
| Total domestic deposits to total assets | 83.7587% | 4,256 |
| Equity capital to assets | 10.4977% | 3,244 |
| Core capital (leverage) ratio | 10.2274% | 2,897 |
| Tier 1 risk-based capital ratio | 12.4133% | 4,827 |
| Total risk-based capital ratio | 13.6737% | 4,762 |
| Memoranda: | ||
| Average total assets | $275,009,000 | 2,429 |
| Average earning assets | $251,161,000 | 2,440 |
| Average equity | $28,330,500 | 2,346 |
| Average total loans | $210,992,000 | 2,170 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1890% | 1,257 |
| Cost of funding earning assets | 1.6042% | 5,005 |
| Net interest margin | 4.5849% | 1,011 |
| Noninterest income to average assets | 1.1870% | 1,090 |
| Noninterest expense to average assets | 3.5665% | 2,230 |
| Loan and lease loss provision to assets | 0.8099% | 2,702 |
| Net operating income to assets | 0.9969% | 1,852 |
| Return on assets (ROA) | 0.9969% | 1,899 |
| Pretax return on assets | 1.0059% | 2,570 |
| Return on Equity (ROE) | 9.4219% | 1,880 |
| Retained earnings to average equity (ytd only) | 1.3258% | 4,115 |
| Net charge-offs to loans | 0.6214% | 3,348 |
| Credit loss provision to net charge-offs | 162.6597% | 2,704 |
| Earnings coverage of net charge-offs (x) | 3.6469% | 3,258 |
| Efficiency ratio | 66.2636% | 5,345 |
| Assets per employee ($millions) | 2.9981% | 6,234 |
| Cash dividends to net income (ytd only)* | 85.9287% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0143% | 1,986 |
| Loan loss allowance to noncurrent loans | 80.7110% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 2.2871% | 3,023 |
| Noncurrent loans to loans | 2.4957% | 3,043 |
| Net loans and leases to total assets | 74.4601% | 2,149 |
| Net loans and leases to deposits | 89.1809% | 2,362 |
| Net loans and leases to core deposits | 97.4375% | 4,292 |
| Total domestic deposits to total assets | 83.4933% | 4,291 |
| Equity capital to assets | 10.1110% | 3,605 |
| Core capital (leverage) ratio | 10.2134% | 2,868 |
| Tier 1 risk-based capital ratio | 12.1329% | 4,827 |
| Total risk-based capital ratio | 13.3905% | 4,785 |
| Memoranda: | ||
| Average total assets | $267,320,200 | 2,452 |
| Average earning assets | $244,609,800 | 2,456 |
| Average equity | $28,285,200 | 2,349 |
| Average total loans | $214,206,200 | 2,152 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2243% | 1,311 |
| Cost of funding earning assets | 1.6927% | 4,938 |
| Net interest margin | 4.5316% | 1,119 |
| Noninterest income to average assets | 1.2585% | 977 |
| Noninterest expense to average assets | 3.6191% | 1,986 |
| Loan and lease loss provision to assets | 0.4865% | 3,470 |
| Net operating income to assets | 1.2988% | 1,220 |
| Return on assets (ROA) | 1.2988% | 1,299 |
| Pretax return on assets | 1.3074% | 1,940 |
| Return on Equity (ROE) | 12.1327% | 1,324 |
| Retained earnings to average equity (ytd only) | 2.8778% | 3,720 |
| Net charge-offs to loans | 0.5866% | 2,919 |
| Credit loss provision to net charge-offs | 102.1164% | 4,985 |
| Earnings coverage of net charge-offs (x) | 3.7651% | 3,393 |
| Efficiency ratio | 66.8592% | 5,218 |
| Assets per employee ($millions) | 2.8983% | 6,412 |
| Cash dividends to net income (ytd only)* | 76.2809% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 2,959 |
| Loan loss allowance to noncurrent loans | 53.5919% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 2.5180% | 2,752 |
| Noncurrent loans to loans | 2.9998% | 2,516 |
| Net loans and leases to total assets | 79.2781% | 1,330 |
| Net loans and leases to deposits | 96.0462% | 1,568 |
| Net loans and leases to core deposits | 105.7135% | 3,736 |
| Total domestic deposits to total assets | 82.5416% | 4,425 |
| Equity capital to assets | 10.7461% | 3,248 |
| Core capital (leverage) ratio | 10.4088% | 2,871 |
| Tier 1 risk-based capital ratio | 12.2016% | 4,789 |
| Total risk-based capital ratio | 13.4547% | 4,734 |
| Memoranda: | ||
| Average total assets | $264,443,750 | 2,485 |
| Average earning assets | $242,441,750 | 2,492 |
| Average equity | $28,308,500 | 2,370 |
| Average total loans | $214,787,250 | 2,175 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2445% | 1,348 |
| Cost of funding earning assets | 1.7832% | 4,839 |
| Net interest margin | 4.4613% | 1,263 |
| Noninterest income to average assets | 1.2703% | 943 |
| Noninterest expense to average assets | 3.6335% | 1,988 |
| Loan and lease loss provision to assets | 0.2654% | 4,457 |
| Net operating income to assets | 1.4630% | 913 |
| Return on assets (ROA) | 1.4630% | 974 |
| Pretax return on assets | 1.4698% | 1,531 |
| Return on Equity (ROE) | 13.6841% | 1,044 |
| Retained earnings to average equity (ytd only) | 5.1360% | 2,435 |
| Net charge-offs to loans | 0.0503% | 5,777 |
| Credit loss provision to net charge-offs | 648.1481% | 718 |
| Earnings coverage of net charge-offs (x) | 42.3704% | 780 |
| Efficiency ratio | 67.6791% | 5,215 |
| Assets per employee ($millions) | 2.7974% | 6,631 |
| Cash dividends to net income (ytd only)* | 62.4676% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 2,270 |
| Loan loss allowance to noncurrent loans | 60.2585% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.3292% | 2,790 |
| Noncurrent loans to loans | 2.8565% | 2,522 |
| Net loans and leases to total assets | 80.1370% | 1,292 |
| Net loans and leases to deposits | 97.1237% | 1,647 |
| Net loans and leases to core deposits | 106.6269% | 3,762 |
| Total domestic deposits to total assets | 82.5102% | 4,473 |
| Equity capital to assets | 10.7253% | 3,179 |
| Core capital (leverage) ratio | 10.7967% | 2,568 |
| Tier 1 risk-based capital ratio | 12.1754% | 4,777 |
| Total risk-based capital ratio | 13.4298% | 4,685 |
| Memoranda: | ||
| Average total assets | $263,710,000 | 2,500 |
| Average earning assets | $242,262,670 | 2,502 |
| Average equity | $28,193,330 | 2,396 |
| Average total loans | $214,768,000 | 2,200 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3527% | 1,174 |
| Cost of funding earning assets | 1.8429% | 4,907 |
| Net interest margin | 4.5097% | 1,112 |
| Noninterest income to average assets | 1.3111% | 831 |
| Noninterest expense to average assets | 3.5281% | 2,033 |
| Loan and lease loss provision to assets | 0.1142% | 5,504 |
| Net operating income to assets | 1.8166% | 513 |
| Return on assets (ROA) | 1.8166% | 570 |
| Pretax return on assets | 1.8197% | 941 |
| Return on Equity (ROE) | 17.0195% | 686 |
| Retained earnings to average equity (ytd only) | 6.2486% | 2,529 |
| Net charge-offs to loans | -0.0355% | 7,603 |
| Credit loss provision to net charge-offs | -394.7368% | 6,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5944% | 5,576 |
| Assets per employee ($millions) | 2.7574% | 6,752 |
| Cash dividends to net income (ytd only)* | 63.2858% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 2,357 |
| Loan loss allowance to noncurrent loans | 98.1090% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 3,760 |
| Noncurrent loans to loans | 1.6707% | 3,761 |
| Net loans and leases to total assets | 82.5578% | 921 |
| Net loans and leases to deposits | 102.9213% | 1,099 |
| Net loans and leases to core deposits | 114.7705% | 2,929 |
| Total domestic deposits to total assets | 80.2146% | 5,279 |
| Equity capital to assets | 11.0222% | 2,940 |
| Core capital (leverage) ratio | 10.7084% | 2,732 |
| Tier 1 risk-based capital ratio | 12.2774% | 4,721 |
| Total risk-based capital ratio | 13.5310% | 4,633 |
| Memoranda: | ||
| Average total assets | $262,687,500 | 2,528 |
| Average earning assets | $241,788,500 | 2,519 |
| Average equity | $28,038,500 | 2,416 |
| Average total loans | $213,803,000 | 2,234 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9458% | 1,265 |
| Cost of funding earning assets | 2.1841% | 5,666 |
| Net interest margin | 4.7618% | 849 |
| Noninterest income to average assets | 1.2764% | 904 |
| Noninterest expense to average assets | 3.6170% | 2,104 |
| Loan and lease loss provision to assets | 0.0293% | 7,039 |
| Net operating income to assets | 1.9720% | 379 |
| Return on assets (ROA) | 1.9731% | 359 |
| Pretax return on assets | 1.9868% | 625 |
| Return on Equity (ROE) | 18.4564% | 494 |
| Retained earnings to average equity (ytd only) | 4.1415% | 2,551 |
| Net charge-offs to loans | 0.0453% | 6,142 |
| Credit loss provision to net charge-offs | 80.6452% | 5,889 |
| Earnings coverage of net charge-offs (x) | 55.5376% | 710 |
| Efficiency ratio | 64.2239% | 5,512 |
| Assets per employee ($millions) | 2.8611% | 6,410 |
| Cash dividends to net income (ytd only)* | 77.5603% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 2,172 |
| Loan loss allowance to noncurrent loans | 121.0007% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0553% | 4,174 |
| Noncurrent loans to loans | 1.3363% | 3,842 |
| Net loans and leases to total assets | 77.6890% | 2,222 |
| Net loans and leases to deposits | 95.3676% | 2,551 |
| Net loans and leases to core deposits | 105.1435% | 4,284 |
| Total domestic deposits to total assets | 81.4627% | 4,424 |
| Equity capital to assets | 10.3414% | 3,675 |
| Core capital (leverage) ratio | 10.3890% | 3,082 |
| Tier 1 risk-based capital ratio | 12.0036% | 4,822 |
| Total risk-based capital ratio | 13.2565% | 4,706 |
| Memoranda: | ||
| Average total assets | $256,341,600 | 2,499 |
| Average earning assets | $234,471,800 | 2,515 |
| Average equity | $27,405,200 | 2,447 |
| Average total loans | $205,323,800 | 2,248 |