Home > Community State Bank of Missouri > Performance and Condition Ratios
Community State Bank of Missouri, 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 | 4.1347% | 3,745 |
| Cost of funding earning assets | 0.9783% | 3,348 |
| Net interest margin | 3.1564% | 2,969 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.2216% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0964% | 1,935 |
| Return on assets (ROA) | 1.1091% | 1,866 |
| Pretax return on assets | 1.1091% | 2,385 |
| Return on Equity (ROE) | 10.5500% | 2,348 |
| Retained earnings to average equity (ytd only) | 1.7789% | 3,632 |
| Net charge-offs to loans | -0.0247% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.9567% | 2,234 |
| Assets per employee ($millions) | 7.1893% | 1,945 |
| Cash dividends to net income (ytd only)* | 83.1422% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 3,780 |
| Loan loss allowance to noncurrent loans | 67.2196% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9184% | 543 |
| Noncurrent loans to loans | 1.3100% | 534 |
| Net loans and leases to total assets | 69.4900% | 1,868 |
| Net loans and leases to deposits | 78.0663% | 2,256 |
| Net loans and leases to core deposits | 83.5507% | 2,491 |
| Total domestic deposits to total assets | 89.0100% | 1,061 |
| Equity capital to assets | 10.7257% | 1,619 |
| Core capital (leverage) ratio | 11.8332% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $290,960,600 | 2,465 |
| Average earning assets | $270,881,200 | 2,460 |
| Average equity | $30,580,800 | 2,241 |
| Average total loans | $202,704,800 | 2,268 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,752 |
| Cost of funding earning assets | 0.8891% | 3,302 |
| Net interest margin | 3.1649% | 2,991 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.2168% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1103% | 2,020 |
| Return on assets (ROA) | 1.1204% | 1,967 |
| Pretax return on assets | 1.1204% | 2,503 |
| Return on Equity (ROE) | 10.7200% | 2,441 |
| Retained earnings to average equity (ytd only) | -0.7125% | 4,230 |
| Net charge-offs to loans | -0.0333% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.6296% | 2,202 |
| Assets per employee ($millions) | 6.9540% | 1,987 |
| Cash dividends to net income (ytd only)* | 106.6474% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 3,678 |
| Loan loss allowance to noncurrent loans | 63.5836% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 491 |
| Noncurrent loans to loans | 1.4409% | 510 |
| Net loans and leases to total assets | 70.6600% | 1,747 |
| Net loans and leases to deposits | 81.0570% | 1,968 |
| Net loans and leases to core deposits | 86.3778% | 2,166 |
| Total domestic deposits to total assets | 87.1800% | 1,832 |
| Equity capital to assets | 10.5897% | 1,516 |
| Core capital (leverage) ratio | 11.8879% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $288,213,500 | 2,485 |
| Average earning assets | $268,271,750 | 2,472 |
| Average equity | $30,129,500 | 2,247 |
| Average total loans | $200,461,250 | 2,285 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 3,759 |
| Cost of funding earning assets | 0.7824% | 3,262 |
| Net interest margin | 3.1814% | 3,032 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.2120% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1381% | 2,010 |
| Return on assets (ROA) | 1.1478% | 1,972 |
| Pretax return on assets | 1.1478% | 2,515 |
| Return on Equity (ROE) | 11.0300% | 2,408 |
| Retained earnings to average equity (ytd only) | -6.1312% | 4,451 |
| Net charge-offs to loans | -0.0431% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0268% | 2,234 |
| Assets per employee ($millions) | 6.3536% | 2,425 |
| Cash dividends to net income (ytd only)* | 155.6024% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,674 |
| Loan loss allowance to noncurrent loans | 62.7876% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 441 |
| Noncurrent loans to loans | 1.4882% | 448 |
| Net loans and leases to total assets | 68.8200% | 1,868 |
| Net loans and leases to deposits | 77.1291% | 2,209 |
| Net loans and leases to core deposits | 81.7035% | 2,358 |
| Total domestic deposits to total assets | 89.2300% | 1,162 |
| Equity capital to assets | 10.4654% | 1,616 |
| Core capital (leverage) ratio | 11.5156% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $289,246,000 | 2,488 |
| Average earning assets | $269,694,333 | 2,476 |
| Average equity | $30,108,333 | 2,260 |
| Average total loans | $199,501,667 | 2,289 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 3,758 |
| Cost of funding earning assets | 0.6844% | 3,103 |
| Net interest margin | 3.1725% | 3,180 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.2165% | 3,055 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1412% | 2,096 |
| Return on assets (ROA) | 1.1495% | 2,040 |
| Pretax return on assets | 1.1495% | 2,576 |
| Return on Equity (ROE) | 11.0700% | 2,470 |
| Retained earnings to average equity (ytd only) | -23.1379% | 4,612 |
| Net charge-offs to loans | -0.0660% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.0115% | 2,203 |
| Assets per employee ($millions) | 6.6883% | 2,205 |
| Cash dividends to net income (ytd only)* | 308.9713% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 3,786 |
| Loan loss allowance to noncurrent loans | 63.6771% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 403 |
| Noncurrent loans to loans | 1.4534% | 453 |
| Net loans and leases to total assets | 68.7100% | 1,767 |
| Net loans and leases to deposits | 76.8458% | 2,051 |
| Net loans and leases to core deposits | 80.7026% | 2,201 |
| Total domestic deposits to total assets | 89.4200% | 1,372 |
| Equity capital to assets | 10.3280% | 1,656 |
| Core capital (leverage) ratio | 11.0195% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $290,912,000 | 2,512 |
| Average earning assets | $272,343,000 | 2,494 |
| Average equity | $30,201,500 | 2,285 |
| Average total loans | $199,937,500 | 2,305 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3449% | 3,485 |
| Cost of funding earning assets | 0.4162% | 1,972 |
| Net interest margin | 2.9288% | 3,613 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.1067% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0176% | 2,505 |
| Return on assets (ROA) | 1.0200% | 2,442 |
| Pretax return on assets | 1.0200% | 3,020 |
| Return on Equity (ROE) | 9.7100% | 2,902 |
| Retained earnings to average equity (ytd only) | -0.3107% | 4,389 |
| Net charge-offs to loans | -0.0306% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.4284% | 2,030 |
| Assets per employee ($millions) | 6.6870% | 2,190 |
| Cash dividends to net income (ytd only)* | 103.2000% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 3,755 |
| Loan loss allowance to noncurrent loans | 61.7928% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.9972% | 436 |
| Noncurrent loans to loans | 1.4640% | 447 |
| Net loans and leases to total assets | 67.5000% | 1,886 |
| Net loans and leases to deposits | 75.5188% | 2,133 |
| Net loans and leases to core deposits | 77.5912% | 2,310 |
| Total domestic deposits to total assets | 89.3800% | 1,609 |
| Equity capital to assets | 10.4341% | 1,482 |
| Core capital (leverage) ratio | 11.6202% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $294,114,200 | 2,479 |
| Average earning assets | $275,611,200 | 2,463 |
| Average equity | $30,902,600 | 2,299 |
| Average total loans | $192,591,600 | 2,288 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2554% | 3,299 |
| Cost of funding earning assets | 0.3718% | 1,510 |
| Net interest margin | 2.8836% | 3,533 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.1041% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9770% | 2,556 |
| Return on assets (ROA) | 0.9779% | 2,532 |
| Pretax return on assets | 0.9779% | 3,081 |
| Return on Equity (ROE) | 9.2900% | 2,936 |
| Retained earnings to average equity (ytd only) | -3.4847% | 4,555 |
| Net charge-offs to loans | -0.0175% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.2902% | 1,978 |
| Assets per employee ($millions) | 6.7600% | 2,126 |
| Cash dividends to net income (ytd only)* | 137.5058% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 3,756 |
| Loan loss allowance to noncurrent loans | 59.8788% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 418 |
| Noncurrent loans to loans | 1.5627% | 439 |
| Net loans and leases to total assets | 66.3400% | 1,852 |
| Net loans and leases to deposits | 74.2336% | 2,029 |
| Net loans and leases to core deposits | 76.6736% | 2,148 |
| Total domestic deposits to total assets | 89.3600% | 1,935 |
| Equity capital to assets | 10.3614% | 1,440 |
| Core capital (leverage) ratio | 11.5572% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $294,086,000 | 2,501 |
| Average earning assets | $275,758,000 | 2,478 |
| Average equity | $30,953,250 | 2,324 |
| Average total loans | $190,637,000 | 2,304 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1394% | 3,209 |
| Cost of funding earning assets | 0.3668% | 1,135 |
| Net interest margin | 2.7726% | 3,521 |
| Noninterest income to average assets | 0.3705% | 2,923 |
| Noninterest expense to average assets | 2.0829% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8895% | 2,625 |
| Return on assets (ROA) | 0.8881% | 2,603 |
| Pretax return on assets | 0.8881% | 3,104 |
| Return on Equity (ROE) | 8.3966% | 2,900 |
| Retained earnings to average equity (ytd only) | -10.4561% | 4,667 |
| Net charge-offs to loans | -0.0262% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0746% | 1,946 |
| Assets per employee ($millions) | 6.3352% | 2,452 |
| Cash dividends to net income (ytd only)* | 224.5269% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 3,806 |
| Loan loss allowance to noncurrent loans | 59.5780% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.0246% | 448 |
| Noncurrent loans to loans | 1.5912% | 459 |
| Net loans and leases to total assets | 63.7855% | 1,934 |
| Net loans and leases to deposits | 71.2411% | 2,088 |
| Net loans and leases to core deposits | 74.5422% | 2,124 |
| Total domestic deposits to total assets | 89.5347% | 1,926 |
| Equity capital to assets | 10.2286% | 1,574 |
| Core capital (leverage) ratio | 10.9281% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,475,000 | 2,495 |
| Average earning assets | $279,159,000 | 2,489 |
| Average equity | $31,465,000 | 2,347 |
| Average total loans | $190,809,333 | 2,294 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0021% | 3,252 |
| Cost of funding earning assets | 0.3770% | 1,012 |
| Net interest margin | 2.6250% | 3,601 |
| Noninterest income to average assets | 0.3700% | 2,867 |
| Noninterest expense to average assets | 1.9993% | 3,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8359% | 2,533 |
| Return on assets (ROA) | 0.8359% | 2,526 |
| Pretax return on assets | 0.8359% | 2,990 |
| Return on Equity (ROE) | 7.7787% | 2,768 |
| Retained earnings to average equity (ytd only) | -28.9594% | 4,744 |
| Net charge-offs to loans | -0.0582% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5164% | 2,152 |
| Assets per employee ($millions) | 6.4606% | 2,414 |
| Cash dividends to net income (ytd only)* | 472.2930% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,933 |
| Loan loss allowance to noncurrent loans | 52.6145% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 398 |
| Noncurrent loans to loans | 1.7824% | 434 |
| Net loans and leases to total assets | 63.3038% | 1,709 |
| Net loans and leases to deposits | 70.6740% | 1,894 |
| Net loans and leases to core deposits | 74.6630% | 1,885 |
| Total domestic deposits to total assets | 89.5716% | 1,782 |
| Equity capital to assets | 10.2268% | 1,738 |
| Core capital (leverage) ratio | 10.5885% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,503,000 | 2,494 |
| Average earning assets | $282,205,500 | 2,492 |
| Average equity | $32,293,500 | 2,371 |
| Average total loans | $192,383,000 | 2,283 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4065% | 2,912 |
| Cost of funding earning assets | 0.4492% | 1,207 |
| Net interest margin | 2.9574% | 3,295 |
| Noninterest income to average assets | 0.4431% | 2,841 |
| Noninterest expense to average assets | 2.0692% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1415% | 2,139 |
| Return on assets (ROA) | 1.1415% | 2,191 |
| Pretax return on assets | 1.1415% | 2,847 |
| Return on Equity (ROE) | 9.8003% | 2,600 |
| Retained earnings to average equity (ytd only) | 0.9103% | 4,281 |
| Net charge-offs to loans | -0.0283% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4471% | 2,489 |
| Assets per employee ($millions) | 6.6047% | 2,233 |
| Cash dividends to net income (ytd only)* | 90.7110% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 4,064 |
| Loan loss allowance to noncurrent loans | 56.3263% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 529 |
| Noncurrent loans to loans | 1.5981% | 548 |
| Net loans and leases to total assets | 63.5577% | 1,756 |
| Net loans and leases to deposits | 71.7512% | 1,935 |
| Net loans and leases to core deposits | 75.9055% | 1,928 |
| Total domestic deposits to total assets | 88.5806% | 1,743 |
| Equity capital to assets | 11.2548% | 1,631 |
| Core capital (leverage) ratio | 11.5847% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,531,400 | 2,484 |
| Average earning assets | $270,948,800 | 2,479 |
| Average equity | $33,723,400 | 2,341 |
| Average total loans | $186,989,000 | 2,328 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5375% | 2,724 |
| Cost of funding earning assets | 0.4651% | 1,251 |
| Net interest margin | 3.0724% | 3,121 |
| Noninterest income to average assets | 0.4551% | 2,820 |
| Noninterest expense to average assets | 2.1098% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2188% | 2,106 |
| Return on assets (ROA) | 1.2188% | 2,163 |
| Pretax return on assets | 1.2188% | 2,869 |
| Return on Equity (ROE) | 10.3710% | 2,601 |
| Retained earnings to average equity (ytd only) | -1.5235% | 4,686 |
| Net charge-offs to loans | -0.0259% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3842% | 2,479 |
| Assets per employee ($millions) | 7.0321% | 1,847 |
| Cash dividends to net income (ytd only)* | 114.6901% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 4,070 |
| Loan loss allowance to noncurrent loans | 61.3131% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 681 |
| Noncurrent loans to loans | 1.5153% | 688 |
| Net loans and leases to total assets | 64.2409% | 1,739 |
| Net loans and leases to deposits | 73.0130% | 1,959 |
| Net loans and leases to core deposits | 77.5091% | 1,922 |
| Total domestic deposits to total assets | 87.9855% | 1,855 |
| Equity capital to assets | 11.7409% | 1,519 |
| Core capital (leverage) ratio | 11.6294% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,960,000 | 2,521 |
| Average earning assets | $267,449,500 | 2,520 |
| Average equity | $33,605,750 | 2,382 |
| Average total loans | $185,023,000 | 2,383 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7234% | 2,274 |
| Cost of funding earning assets | 0.4799% | 1,326 |
| Net interest margin | 3.2435% | 2,627 |
| Noninterest income to average assets | 0.4664% | 2,776 |
| Noninterest expense to average assets | 2.0970% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4034% | 1,553 |
| Return on assets (ROA) | 1.4034% | 1,618 |
| Pretax return on assets | 1.4034% | 2,329 |
| Return on Equity (ROE) | 11.9377% | 2,088 |
| Retained earnings to average equity (ytd only) | -5.9480% | 4,805 |
| Net charge-offs to loans | -0.0412% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9078% | 3,025 |
| Assets per employee ($millions) | 6.0652% | 2,548 |
| Cash dividends to net income (ytd only)* | 149.8251% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 4,059 |
| Loan loss allowance to noncurrent loans | 67.5602% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 859 |
| Noncurrent loans to loans | 1.3798% | 849 |
| Net loans and leases to total assets | 64.8292% | 1,846 |
| Net loans and leases to deposits | 73.6054% | 2,036 |
| Net loans and leases to core deposits | 78.1782% | 2,029 |
| Total domestic deposits to total assets | 88.0767% | 1,781 |
| Equity capital to assets | 11.6869% | 1,526 |
| Core capital (leverage) ratio | 11.4103% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,174,000 | 2,522 |
| Average earning assets | $266,745,000 | 2,523 |
| Average equity | $33,524,000 | 2,376 |
| Average total loans | $184,379,000 | 2,403 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1955% | 3,704 |
| Cost of funding earning assets | 0.4880% | 1,468 |
| Net interest margin | 2.7074% | 3,952 |
| Noninterest income to average assets | 1.3713% | 695 |
| Noninterest expense to average assets | 2.1046% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7947% | 794 |
| Return on assets (ROA) | 1.7947% | 848 |
| Pretax return on assets | 1.7947% | 1,297 |
| Return on Equity (ROE) | 15.2017% | 1,166 |
| Retained earnings to average equity (ytd only) | -20.4035% | 4,921 |
| Net charge-offs to loans | -0.0783% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9734% | 3,781 |
| Assets per employee ($millions) | 6.3500% | 2,294 |
| Cash dividends to net income (ytd only)* | 234.2188% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 4,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 63.9205% | 2,053 |
| Net loans and leases to deposits | 72.3408% | 2,277 |
| Net loans and leases to core deposits | 76.2864% | 2,324 |
| Total domestic deposits to total assets | 88.3602% | 1,677 |
| Equity capital to assets | 11.4389% | 1,577 |
| Core capital (leverage) ratio | 11.3670% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,281,500 | 2,515 |
| Average earning assets | $266,378,500 | 2,513 |
| Average equity | $33,680,500 | 2,367 |
| Average total loans | $183,849,000 | 2,411 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6781% | 3,633 |
| Cost of funding earning assets | 0.6314% | 2,109 |
| Net interest margin | 3.0467% | 3,764 |
| Noninterest income to average assets | 0.7693% | 1,629 |
| Noninterest expense to average assets | 2.2475% | 3,548 |
| Loan and lease loss provision to assets | 0.0388% | 3,923 |
| Net operating income to assets | 1.3048% | 1,235 |
| Return on assets (ROA) | 1.3048% | 1,335 |
| Pretax return on assets | 1.3048% | 1,959 |
| Return on Equity (ROE) | 10.1402% | 1,957 |
| Retained earnings to average equity (ytd only) | 4.1676% | 2,732 |
| Net charge-offs to loans | 0.0153% | 2,805 |
| Credit loss provision to net charge-offs | 384.6154% | 1,480 |
| Earnings coverage of net charge-offs (x) | 133.2692% | 635 |
| Efficiency ratio | 62.5850% | 3,039 |
| Assets per employee ($millions) | 6.3291% | 2,063 |
| Cash dividends to net income (ytd only)* | 58.9004% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 4,099 |
| Loan loss allowance to noncurrent loans | 955.6180% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,031 |
| Noncurrent loans to loans | 0.0971% | 3,908 |
| Net loans and leases to total assets | 63.7637% | 2,392 |
| Net loans and leases to deposits | 72.7550% | 2,611 |
| Net loans and leases to core deposits | 76.8007% | 2,649 |
| Total domestic deposits to total assets | 87.6416% | 1,637 |
| Equity capital to assets | 12.1744% | 1,486 |
| Core capital (leverage) ratio | 12.7104% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,884,600 | 2,525 |
| Average earning assets | $238,848,200 | 2,533 |
| Average equity | $33,184,600 | 2,330 |
| Average total loans | $170,021,600 | 2,485 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8030% | 3,562 |
| Cost of funding earning assets | 0.6690% | 2,205 |
| Net interest margin | 3.1341% | 3,657 |
| Noninterest income to average assets | 0.8643% | 1,321 |
| Noninterest expense to average assets | 2.2748% | 3,483 |
| Loan and lease loss provision to assets | 0.0530% | 3,687 |
| Net operating income to assets | 1.4339% | 1,024 |
| Return on assets (ROA) | 1.4339% | 1,115 |
| Pretax return on assets | 1.4339% | 1,625 |
| Return on Equity (ROE) | 10.9753% | 1,685 |
| Retained earnings to average equity (ytd only) | 2.9216% | 3,553 |
| Net charge-offs to loans | 0.0048% | 2,972 |
| Credit loss provision to net charge-offs | 1,666.6667% | 570 |
| Earnings coverage of net charge-offs (x) | 466.8333% | 243 |
| Efficiency ratio | 60.4714% | 3,317 |
| Assets per employee ($millions) | 6.0630% | 2,215 |
| Cash dividends to net income (ytd only)* | 73.3802% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 3,898 |
| Loan loss allowance to noncurrent loans | 539.8119% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 3,819 |
| Noncurrent loans to loans | 0.1754% | 3,677 |
| Net loans and leases to total assets | 69.0873% | 2,095 |
| Net loans and leases to deposits | 79.7697% | 2,339 |
| Net loans and leases to core deposits | 84.7577% | 2,406 |
| Total domestic deposits to total assets | 86.6084% | 1,811 |
| Equity capital to assets | 13.0836% | 1,144 |
| Core capital (leverage) ratio | 12.7931% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,153,000 | 2,557 |
| Average earning assets | $232,196,250 | 2,561 |
| Average equity | $32,812,250 | 2,334 |
| Average total loans | $166,700,250 | 2,516 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 3,747 |
| Cost of funding earning assets | 0.6762% | 2,520 |
| Net interest margin | 3.1722% | 3,738 |
| Noninterest income to average assets | 1.0695% | 873 |
| Noninterest expense to average assets | 2.3318% | 3,447 |
| Loan and lease loss provision to assets | 0.0807% | 3,275 |
| Net operating income to assets | 1.5970% | 766 |
| Return on assets (ROA) | 1.5970% | 835 |
| Pretax return on assets | 1.5970% | 1,228 |
| Return on Equity (ROE) | 12.2299% | 1,277 |
| Retained earnings to average equity (ytd only) | -0.0124% | 4,306 |
| Net charge-offs to loans | 0.0037% | 2,848 |
| Credit loss provision to net charge-offs | 3,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 693.3333% | 144 |
| Efficiency ratio | 58.1573% | 3,670 |
| Assets per employee ($millions) | 5.6927% | 2,452 |
| Cash dividends to net income (ytd only)* | 100.1010% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 3,807 |
| Loan loss allowance to noncurrent loans | 440.9207% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,776 |
| Noncurrent loans to loans | 0.2151% | 3,607 |
| Net loans and leases to total assets | 68.7436% | 2,226 |
| Net loans and leases to deposits | 79.7524% | 2,453 |
| Net loans and leases to core deposits | 84.6284% | 2,564 |
| Total domestic deposits to total assets | 86.1962% | 1,927 |
| Equity capital to assets | 12.7563% | 1,255 |
| Core capital (leverage) ratio | 12.7214% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,968,000 | 2,553 |
| Average earning assets | $229,809,333 | 2,555 |
| Average equity | $32,379,667 | 2,344 |
| Average total loans | $161,654,333 | 2,552 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 3,880 |
| Cost of funding earning assets | 0.6936% | 2,964 |
| Net interest margin | 3.2742% | 3,657 |
| Noninterest income to average assets | 0.4829% | 2,642 |
| Noninterest expense to average assets | 2.4496% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0572% | 1,980 |
| Return on assets (ROA) | 1.0572% | 2,081 |
| Pretax return on assets | 1.0572% | 2,647 |
| Return on Equity (ROE) | 7.9956% | 2,521 |
| Retained earnings to average equity (ytd only) | -16.8824% | 4,923 |
| Net charge-offs to loans | -0.0026% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8533% | 2,376 |
| Assets per employee ($millions) | 5.4807% | 2,143 |
| Cash dividends to net income (ytd only)* | 311.1460% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 3,584 |
| Loan loss allowance to noncurrent loans | 826.3959% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 4,199 |
| Noncurrent loans to loans | 0.1238% | 4,022 |
| Net loans and leases to total assets | 65.3152% | 2,897 |
| Net loans and leases to deposits | 75.2470% | 3,146 |
| Net loans and leases to core deposits | 80.4938% | 3,154 |
| Total domestic deposits to total assets | 86.8011% | 1,649 |
| Equity capital to assets | 12.9223% | 1,472 |
| Core capital (leverage) ratio | 12.9351% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,020,500 | 2,547 |
| Average earning assets | $222,592,000 | 2,551 |
| Average equity | $31,867,500 | 2,360 |
| Average total loans | $151,612,500 | 2,624 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 4,222 |
| Cost of funding earning assets | 0.6380% | 3,465 |
| Net interest margin | 3.3784% | 3,802 |
| Noninterest income to average assets | 0.5049% | 2,708 |
| Noninterest expense to average assets | 2.3111% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3392% | 1,545 |
| Return on assets (ROA) | 1.3392% | 1,623 |
| Pretax return on assets | 1.3392% | 2,364 |
| Return on Equity (ROE) | 10.1876% | 2,212 |
| Retained earnings to average equity (ytd only) | 2.0651% | 3,967 |
| Net charge-offs to loans | 0.0013% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,586.0000% | 50 |
| Efficiency ratio | 63.3125% | 3,172 |
| Assets per employee ($millions) | 5.4748% | 2,085 |
| Cash dividends to net income (ytd only)* | 79.7289% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 2,792 |
| Loan loss allowance to noncurrent loans | 444.5355% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 3,874 |
| Noncurrent loans to loans | 0.2540% | 3,537 |
| Net loans and leases to total assets | 59.1398% | 3,660 |
| Net loans and leases to deposits | 68.5812% | 3,770 |
| Net loans and leases to core deposits | 73.2416% | 3,781 |
| Total domestic deposits to total assets | 86.2332% | 1,967 |
| Equity capital to assets | 13.5218% | 1,269 |
| Core capital (leverage) ratio | 13.9680% | 935 |
| Tier 1 risk-based capital ratio | 13.8459% | 3,342 |
| Total risk-based capital ratio | 14.5410% | 3,516 |
| Memoranda: | ||
| Average total assets | $236,855,600 | 2,536 |
| Average earning assets | $220,516,600 | 2,532 |
| Average equity | $31,135,800 | 2,335 |
| Average total loans | $148,850,800 | 2,635 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0510% | 4,253 |
| Cost of funding earning assets | 0.6370% | 3,507 |
| Net interest margin | 3.4140% | 3,831 |
| Noninterest income to average assets | 0.4930% | 2,776 |
| Noninterest expense to average assets | 2.3167% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3607% | 1,610 |
| Return on assets (ROA) | 1.3607% | 1,675 |
| Pretax return on assets | 1.3607% | 2,459 |
| Return on Equity (ROE) | 10.4276% | 2,241 |
| Retained earnings to average equity (ytd only) | -0.5285% | 4,813 |
| Net charge-offs to loans | 0.0018% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,201.9663% | 68 |
| Efficiency ratio | 62.9977% | 3,164 |
| Assets per employee ($millions) | 5.4585% | 2,064 |
| Cash dividends to net income (ytd only)* | 105.0688% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 2,913 |
| Loan loss allowance to noncurrent loans | 813.5000% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 4,280 |
| Noncurrent loans to loans | 0.1381% | 4,041 |
| Net loans and leases to total assets | 62.4728% | 3,446 |
| Net loans and leases to deposits | 72.8468% | 3,565 |
| Net loans and leases to core deposits | 78.5456% | 3,504 |
| Total domestic deposits to total assets | 85.7593% | 2,098 |
| Equity capital to assets | 13.8678% | 1,204 |
| Core capital (leverage) ratio | 13.7281% | 1,069 |
| Tier 1 risk-based capital ratio | 13.7281% | 3,465 |
| Total risk-based capital ratio | 14.4340% | 3,652 |
| Memoranda: | ||
| Average total assets | $235,846,500 | 2,566 |
| Average earning assets | $219,990,250 | 2,559 |
| Average equity | $30,776,500 | 2,365 |
| Average total loans | $150,041,000 | 2,646 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 4,288 |
| Cost of funding earning assets | 0.6194% | 3,556 |
| Net interest margin | 3.4279% | 3,807 |
| Noninterest income to average assets | 0.4697% | 2,842 |
| Noninterest expense to average assets | 2.3004% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3636% | 1,534 |
| Return on assets (ROA) | 1.3636% | 1,596 |
| Pretax return on assets | 1.3636% | 2,328 |
| Return on Equity (ROE) | 10.6644% | 2,106 |
| Retained earnings to average equity (ytd only) | -5.9531% | 5,085 |
| Net charge-offs to loans | -0.0053% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7838% | 3,321 |
| Assets per employee ($millions) | 5.1440% | 2,312 |
| Cash dividends to net income (ytd only)* | 155.8226% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,183 |
| Loan loss allowance to noncurrent loans | 53.7879% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2830% | 997 |
| Noncurrent loans to loans | 2.0066% | 711 |
| Net loans and leases to total assets | 63.2516% | 3,425 |
| Net loans and leases to deposits | 73.0542% | 3,591 |
| Net loans and leases to core deposits | 78.5565% | 3,536 |
| Total domestic deposits to total assets | 86.5817% | 1,779 |
| Equity capital to assets | 13.0903% | 1,550 |
| Core capital (leverage) ratio | 13.1768% | 1,225 |
| Tier 1 risk-based capital ratio | 12.6594% | 4,038 |
| Total risk-based capital ratio | 13.3293% | 4,260 |
| Memoranda: | ||
| Average total assets | $238,042,670 | 2,565 |
| Average earning assets | $221,829,670 | 2,555 |
| Average equity | $30,437,670 | 2,380 |
| Average total loans | $151,771,000 | 2,641 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 4,241 |
| Cost of funding earning assets | 0.6155% | 3,490 |
| Net interest margin | 3.4413% | 3,772 |
| Noninterest income to average assets | 0.4423% | 2,895 |
| Noninterest expense to average assets | 2.3522% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2934% | 1,718 |
| Return on assets (ROA) | 1.2934% | 1,760 |
| Pretax return on assets | 1.2934% | 2,480 |
| Return on Equity (ROE) | 10.2357% | 2,265 |
| Retained earnings to average equity (ytd only) | -23.2954% | 5,278 |
| Net charge-offs to loans | -0.0158% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5221% | 3,155 |
| Assets per employee ($millions) | 5.4301% | 2,050 |
| Cash dividends to net income (ytd only)* | 327.5907% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,213 |
| Loan loss allowance to noncurrent loans | 450.4132% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 4,028 |
| Noncurrent loans to loans | 0.2408% | 3,709 |
| Net loans and leases to total assets | 63.8692% | 3,302 |
| Net loans and leases to deposits | 73.3726% | 3,503 |
| Net loans and leases to core deposits | 79.0141% | 3,449 |
| Total domestic deposits to total assets | 87.0477% | 1,789 |
| Equity capital to assets | 12.6555% | 1,651 |
| Core capital (leverage) ratio | 12.6760% | 1,418 |
| Tier 1 risk-based capital ratio | 12.4909% | 4,173 |
| Total risk-based capital ratio | 13.1714% | 4,400 |
| Memoranda: | ||
| Average total assets | $238,751,500 | 2,588 |
| Average earning assets | $222,242,500 | 2,572 |
| Average equity | $30,169,000 | 2,398 |
| Average total loans | $152,005,500 | 2,666 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8816% | 4,316 |
| Cost of funding earning assets | 0.5899% | 2,791 |
| Net interest margin | 3.2917% | 4,275 |
| Noninterest income to average assets | 0.4764% | 2,964 |
| Noninterest expense to average assets | 2.1965% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3494% | 1,619 |
| Return on assets (ROA) | 1.3494% | 1,606 |
| Pretax return on assets | 1.3494% | 2,317 |
| Return on Equity (ROE) | 11.1101% | 2,040 |
| Retained earnings to average equity (ytd only) | 3.0011% | 3,898 |
| Net charge-offs to loans | -0.0040% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9445% | 3,535 |
| Assets per employee ($millions) | 5.8097% | 1,666 |
| Cash dividends to net income (ytd only)* | 72.9878% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,306 |
| Loan loss allowance to noncurrent loans | 158.6173% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 2,877 |
| Noncurrent loans to loans | 0.6702% | 2,318 |
| Net loans and leases to total assets | 62.1355% | 3,552 |
| Net loans and leases to deposits | 71.3147% | 3,724 |
| Net loans and leases to core deposits | 76.7737% | 3,658 |
| Total domestic deposits to total assets | 87.1286% | 1,715 |
| Equity capital to assets | 12.6177% | 1,529 |
| Core capital (leverage) ratio | 13.1558% | 1,189 |
| Tier 1 risk-based capital ratio | 12.9832% | 3,851 |
| Total risk-based capital ratio | 13.6490% | 4,068 |
| Memoranda: | ||
| Average total assets | $243,065,000 | 2,523 |
| Average earning assets | $226,659,600 | 2,505 |
| Average equity | $29,522,800 | 2,360 |
| Average total loans | $150,330,200 | 2,635 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 4,342 |
| Cost of funding earning assets | 0.5644% | 2,745 |
| Net interest margin | 3.2750% | 4,349 |
| Noninterest income to average assets | 0.4629% | 3,082 |
| Noninterest expense to average assets | 2.1782% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3403% | 1,704 |
| Return on assets (ROA) | 1.3403% | 1,713 |
| Pretax return on assets | 1.3403% | 2,466 |
| Return on Equity (ROE) | 11.1434% | 2,121 |
| Retained earnings to average equity (ytd only) | 0.2146% | 5,003 |
| Net charge-offs to loans | -0.0045% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9070% | 3,523 |
| Assets per employee ($millions) | 5.9691% | 1,510 |
| Cash dividends to net income (ytd only)* | 98.0744% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,354 |
| Loan loss allowance to noncurrent loans | 515.1899% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 4,293 |
| Noncurrent loans to loans | 0.2077% | 3,968 |
| Net loans and leases to total assets | 63.0522% | 3,537 |
| Net loans and leases to deposits | 76.0552% | 3,413 |
| Net loans and leases to core deposits | 82.2202% | 3,310 |
| Total domestic deposits to total assets | 82.9032% | 3,342 |
| Equity capital to assets | 12.3679% | 1,667 |
| Core capital (leverage) ratio | 12.8295% | 1,354 |
| Tier 1 risk-based capital ratio | 12.7821% | 4,034 |
| Total risk-based capital ratio | 13.4550% | 4,271 |
| Memoranda: | ||
| Average total assets | $242,829,500 | 2,531 |
| Average earning assets | $226,555,750 | 2,521 |
| Average equity | $29,206,500 | 2,390 |
| Average total loans | $149,601,750 | 2,663 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 4,422 |
| Cost of funding earning assets | 0.5293% | 2,766 |
| Net interest margin | 3.2392% | 4,414 |
| Noninterest income to average assets | 0.4619% | 3,079 |
| Noninterest expense to average assets | 2.1787% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3007% | 1,771 |
| Return on assets (ROA) | 1.3007% | 1,765 |
| Pretax return on assets | 1.3007% | 2,512 |
| Return on Equity (ROE) | 10.9146% | 2,147 |
| Retained earnings to average equity (ytd only) | -5.5398% | 5,312 |
| Net charge-offs to loans | -0.0134% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6177% | 3,544 |
| Assets per employee ($millions) | 5.4103% | 1,984 |
| Cash dividends to net income (ytd only)* | 150.7557% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,423 |
| Loan loss allowance to noncurrent loans | 461.2994% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 4,262 |
| Noncurrent loans to loans | 0.2323% | 3,880 |
| Net loans and leases to total assets | 61.9314% | 3,610 |
| Net loans and leases to deposits | 72.0209% | 3,711 |
| Net loans and leases to core deposits | 79.4918% | 3,461 |
| Total domestic deposits to total assets | 85.9909% | 2,284 |
| Equity capital to assets | 11.8601% | 1,950 |
| Core capital (leverage) ratio | 12.4335% | 1,470 |
| Tier 1 risk-based capital ratio | 12.4805% | 4,194 |
| Total risk-based capital ratio | 13.1582% | 4,434 |
| Memoranda: | ||
| Average total assets | $244,184,670 | 2,538 |
| Average earning assets | $227,464,000 | 2,532 |
| Average equity | $29,098,670 | 2,409 |
| Average total loans | $148,744,330 | 2,677 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 4,463 |
| Cost of funding earning assets | 0.5107% | 2,717 |
| Net interest margin | 3.1906% | 4,496 |
| Noninterest income to average assets | 0.4416% | 3,170 |
| Noninterest expense to average assets | 2.1935% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2219% | 1,919 |
| Return on assets (ROA) | 1.2219% | 1,929 |
| Pretax return on assets | 1.2219% | 2,673 |
| Return on Equity (ROE) | 10.2292% | 2,323 |
| Retained earnings to average equity (ytd only) | -22.5535% | 5,524 |
| Net charge-offs to loans | -0.0191% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2241% | 3,442 |
| Assets per employee ($millions) | 5.7451% | 1,726 |
| Cash dividends to net income (ytd only)* | 320.4819% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,332 |
| Loan loss allowance to noncurrent loans | 840.2062% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 4,683 |
| Noncurrent loans to loans | 0.1318% | 4,375 |
| Net loans and leases to total assets | 60.3169% | 3,722 |
| Net loans and leases to deposits | 68.5147% | 3,911 |
| Net loans and leases to core deposits | 75.5512% | 3,701 |
| Total domestic deposits to total assets | 88.0349% | 1,597 |
| Equity capital to assets | 11.6634% | 2,023 |
| Core capital (leverage) ratio | 12.0139% | 1,643 |
| Tier 1 risk-based capital ratio | 12.3817% | 4,320 |
| Total risk-based capital ratio | 13.0721% | 4,551 |
| Memoranda: | ||
| Average total assets | $244,545,500 | 2,556 |
| Average earning assets | $227,919,000 | 2,552 |
| Average equity | $29,210,500 | 2,421 |
| Average total loans | $146,910,000 | 2,724 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6441% | 4,466 |
| Cost of funding earning assets | 0.5141% | 2,217 |
| Net interest margin | 3.1300% | 4,628 |
| Noninterest income to average assets | 0.4795% | 3,128 |
| Noninterest expense to average assets | 2.1256% | 4,711 |
| Loan and lease loss provision to assets | 0.0493% | 3,237 |
| Net operating income to assets | 1.2315% | 1,420 |
| Return on assets (ROA) | 1.2315% | 1,437 |
| Pretax return on assets | 1.2315% | 2,629 |
| Return on Equity (ROE) | 10.1974% | 1,808 |
| Retained earnings to average equity (ytd only) | 3.2054% | 3,387 |
| Net charge-offs to loans | -0.0260% | 5,018 |
| Credit loss provision to net charge-offs | -324.3243% | 4,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4006% | 3,877 |
| Assets per employee ($millions) | 6.0438% | 1,487 |
| Cash dividends to net income (ytd only)* | 68.5667% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,318 |
| Loan loss allowance to noncurrent loans | 1,027.2152% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 4,807 |
| Noncurrent loans to loans | 0.1077% | 4,502 |
| Net loans and leases to total assets | 58.5261% | 3,965 |
| Net loans and leases to deposits | 66.8729% | 4,118 |
| Net loans and leases to core deposits | 73.6303% | 3,905 |
| Total domestic deposits to total assets | 87.5184% | 1,751 |
| Equity capital to assets | 12.2189% | 1,689 |
| Core capital (leverage) ratio | 12.7643% | 1,233 |
| Tier 1 risk-based capital ratio | 13.1150% | 3,839 |
| Total risk-based capital ratio | 13.8043% | 4,073 |
| Memoranda: | ||
| Average total assets | $243,598,200 | 2,538 |
| Average earning assets | $227,793,800 | 2,518 |
| Average equity | $29,419,400 | 2,395 |
| Average total loans | $142,541,400 | 2,743 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 4,480 |
| Cost of funding earning assets | 0.5091% | 2,193 |
| Net interest margin | 3.1252% | 4,638 |
| Noninterest income to average assets | 0.4705% | 3,208 |
| Noninterest expense to average assets | 2.1356% | 4,661 |
| Loan and lease loss provision to assets | 0.0660% | 2,753 |
| Net operating income to assets | 1.1945% | 1,717 |
| Return on assets (ROA) | 1.1945% | 1,748 |
| Pretax return on assets | 1.1945% | 2,933 |
| Return on Equity (ROE) | 9.9205% | 2,167 |
| Retained earnings to average equity (ytd only) | 0.5296% | 5,105 |
| Net charge-offs to loans | -0.0330% | 5,028 |
| Credit loss provision to net charge-offs | -342.8571% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8844% | 3,735 |
| Assets per employee ($millions) | 6.0430% | 1,462 |
| Cash dividends to net income (ytd only)* | 94.6619% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,441 |
| Loan loss allowance to noncurrent loans | 551.3605% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 4,639 |
| Noncurrent loans to loans | 0.2010% | 4,280 |
| Net loans and leases to total assets | 59.8388% | 3,883 |
| Net loans and leases to deposits | 70.9960% | 3,872 |
| Net loans and leases to core deposits | 78.8052% | 3,557 |
| Total domestic deposits to total assets | 84.2848% | 3,003 |
| Equity capital to assets | 12.4338% | 1,695 |
| Core capital (leverage) ratio | 12.5058% | 1,413 |
| Tier 1 risk-based capital ratio | 12.9616% | 4,036 |
| Total risk-based capital ratio | 13.6607% | 4,281 |
| Memoranda: | ||
| Average total assets | $242,548,500 | 2,562 |
| Average earning assets | $227,053,500 | 2,547 |
| Average equity | $29,204,750 | 2,428 |
| Average total loans | $141,514,500 | 2,782 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 4,507 |
| Cost of funding earning assets | 0.4960% | 2,196 |
| Net interest margin | 3.1055% | 4,665 |
| Noninterest income to average assets | 0.4612% | 3,277 |
| Noninterest expense to average assets | 2.1324% | 4,711 |
| Loan and lease loss provision to assets | 0.0988% | 2,040 |
| Net operating income to assets | 1.1333% | 1,840 |
| Return on assets (ROA) | 1.1333% | 1,891 |
| Pretax return on assets | 1.1333% | 3,039 |
| Return on Equity (ROE) | 9.5155% | 2,263 |
| Retained earnings to average equity (ytd only) | -4.7093% | 5,525 |
| Net charge-offs to loans | -0.0414% | 5,087 |
| Credit loss provision to net charge-offs | -413.7931% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3782% | 3,780 |
| Assets per employee ($millions) | 5.4034% | 1,963 |
| Cash dividends to net income (ytd only)* | 149.4913% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,492 |
| Loan loss allowance to noncurrent loans | 836.7876% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 4,879 |
| Noncurrent loans to loans | 0.1333% | 4,583 |
| Net loans and leases to total assets | 58.8755% | 3,932 |
| Net loans and leases to deposits | 67.9806% | 4,074 |
| Net loans and leases to core deposits | 75.1638% | 3,846 |
| Total domestic deposits to total assets | 86.6063% | 2,128 |
| Equity capital to assets | 12.0616% | 1,890 |
| Core capital (leverage) ratio | 12.1097% | 1,579 |
| Tier 1 risk-based capital ratio | 12.6950% | 4,186 |
| Total risk-based capital ratio | 13.3958% | 4,416 |
| Memoranda: | ||
| Average total assets | $242,824,330 | 2,571 |
| Average earning assets | $227,014,000 | 2,561 |
| Average equity | $28,921,330 | 2,441 |
| Average total loans | $139,931,330 | 2,808 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 4,512 |
| Cost of funding earning assets | 0.4771% | 2,276 |
| Net interest margin | 3.0870% | 4,689 |
| Noninterest income to average assets | 0.4879% | 3,057 |
| Noninterest expense to average assets | 2.1413% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2264% | 1,439 |
| Return on assets (ROA) | 1.2264% | 1,475 |
| Pretax return on assets | 1.2264% | 2,485 |
| Return on Equity (ROE) | 10.3628% | 1,795 |
| Retained earnings to average equity (ytd only) | -18.2882% | 5,708 |
| Net charge-offs to loans | -0.0204% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5830% | 3,904 |
| Assets per employee ($millions) | 5.9098% | 1,578 |
| Cash dividends to net income (ytd only)* | 276.4785% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,985 |
| Loan loss allowance to noncurrent loans | 218.2222% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 4,093 |
| Noncurrent loans to loans | 0.4805% | 3,363 |
| Net loans and leases to total assets | 57.3677% | 4,029 |
| Net loans and leases to deposits | 65.7970% | 4,189 |
| Net loans and leases to core deposits | 72.3253% | 3,961 |
| Total domestic deposits to total assets | 87.1890% | 2,116 |
| Equity capital to assets | 11.6636% | 2,071 |
| Core capital (leverage) ratio | 11.8964% | 1,695 |
| Tier 1 risk-based capital ratio | 12.5787% | 4,341 |
| Total risk-based capital ratio | 13.2259% | 4,633 |
| Memoranda: | ||
| Average total assets | $242,660,500 | 2,592 |
| Average earning assets | $226,365,500 | 2,591 |
| Average equity | $28,718,000 | 2,464 |
| Average total loans | $137,511,000 | 2,857 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 4,436 |
| Cost of funding earning assets | 0.4767% | 2,289 |
| Net interest margin | 3.1541% | 4,578 |
| Noninterest income to average assets | 0.4939% | 3,277 |
| Noninterest expense to average assets | 2.1977% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2676% | 1,305 |
| Return on assets (ROA) | 1.2676% | 1,379 |
| Pretax return on assets | 1.2676% | 2,409 |
| Return on Equity (ROE) | 10.0984% | 1,916 |
| Retained earnings to average equity (ytd only) | 2.7426% | 3,950 |
| Net charge-offs to loans | 0.0139% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 164.6667% | 394 |
| Efficiency ratio | 63.4210% | 4,036 |
| Assets per employee ($millions) | 5.7862% | 1,631 |
| Cash dividends to net income (ytd only)* | 72.8408% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 3,770 |
| Loan loss allowance to noncurrent loans | 385.7895% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 4,690 |
| Noncurrent loans to loans | 0.2824% | 4,142 |
| Net loans and leases to total assets | 54.7611% | 4,365 |
| Net loans and leases to deposits | 62.4368% | 4,516 |
| Net loans and leases to core deposits | 67.5141% | 4,432 |
| Total domestic deposits to total assets | 87.7064% | 1,788 |
| Equity capital to assets | 12.0051% | 1,804 |
| Core capital (leverage) ratio | 12.6647% | 1,266 |
| Tier 1 risk-based capital ratio | 13.2359% | 3,933 |
| Total risk-based capital ratio | 13.8840% | 4,192 |
| Memoranda: | ||
| Average total assets | $233,833,400 | 2,625 |
| Average earning assets | $220,284,600 | 2,595 |
| Average equity | $29,351,200 | 2,413 |
| Average total loans | $129,295,800 | 2,931 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6621% | 4,365 |
| Cost of funding earning assets | 0.4781% | 2,287 |
| Net interest margin | 3.1840% | 4,525 |
| Noninterest income to average assets | 0.4941% | 3,296 |
| Noninterest expense to average assets | 2.2084% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2962% | 1,305 |
| Return on assets (ROA) | 1.2962% | 1,405 |
| Pretax return on assets | 1.2962% | 2,442 |
| Return on Equity (ROE) | 10.2100% | 1,966 |
| Retained earnings to average equity (ytd only) | 0.4173% | 5,249 |
| Net charge-offs to loans | 0.0135% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 173.1829% | 418 |
| Efficiency ratio | 63.0135% | 4,072 |
| Assets per employee ($millions) | 5.7884% | 1,587 |
| Cash dividends to net income (ytd only)* | 95.9127% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,668 |
| Loan loss allowance to noncurrent loans | 409.7493% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 4,809 |
| Noncurrent loans to loans | 0.2759% | 4,269 |
| Net loans and leases to total assets | 55.5533% | 4,356 |
| Net loans and leases to deposits | 64.1997% | 4,472 |
| Net loans and leases to core deposits | 69.3484% | 4,374 |
| Total domestic deposits to total assets | 86.5321% | 2,112 |
| Equity capital to assets | 13.0528% | 1,463 |
| Core capital (leverage) ratio | 12.6681% | 1,325 |
| Tier 1 risk-based capital ratio | 13.4767% | 3,874 |
| Total risk-based capital ratio | 14.1551% | 4,135 |
| Memoranda: | ||
| Average total assets | $231,536,500 | 2,653 |
| Average earning assets | $218,921,500 | 2,619 |
| Average equity | $29,395,250 | 2,414 |
| Average total loans | $127,983,000 | 2,959 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 4,453 |
| Cost of funding earning assets | 0.4766% | 2,301 |
| Net interest margin | 3.1728% | 4,631 |
| Noninterest income to average assets | 0.4820% | 3,317 |
| Noninterest expense to average assets | 2.1906% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2931% | 1,286 |
| Return on assets (ROA) | 1.2931% | 1,399 |
| Pretax return on assets | 1.2931% | 2,437 |
| Return on Equity (ROE) | 10.2817% | 1,933 |
| Retained earnings to average equity (ytd only) | -4.5468% | 5,729 |
| Net charge-offs to loans | -0.0299% | 5,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8812% | 4,194 |
| Assets per employee ($millions) | 5.1318% | 2,162 |
| Cash dividends to net income (ytd only)* | 144.2218% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 3,569 |
| Loan loss allowance to noncurrent loans | 565.0376% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 5,046 |
| Noncurrent loans to loans | 0.2056% | 4,620 |
| Net loans and leases to total assets | 55.3641% | 4,375 |
| Net loans and leases to deposits | 63.7997% | 4,505 |
| Net loans and leases to core deposits | 68.7990% | 4,414 |
| Total domestic deposits to total assets | 86.7780% | 2,021 |
| Equity capital to assets | 12.8293% | 1,597 |
| Core capital (leverage) ratio | 12.3062% | 1,452 |
| Tier 1 risk-based capital ratio | 13.2516% | 4,041 |
| Total risk-based capital ratio | 13.9511% | 4,291 |
| Memoranda: | ||
| Average total assets | $231,536,670 | 2,666 |
| Average earning assets | $219,046,670 | 2,625 |
| Average equity | $29,119,670 | 2,441 |
| Average total loans | $127,278,330 | 2,978 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 4,520 |
| Cost of funding earning assets | 0.4756% | 2,323 |
| Net interest margin | 3.1582% | 4,708 |
| Noninterest income to average assets | 0.4779% | 3,282 |
| Noninterest expense to average assets | 2.2171% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2509% | 1,403 |
| Return on assets (ROA) | 1.2509% | 1,503 |
| Pretax return on assets | 1.2509% | 2,496 |
| Return on Equity (ROE) | 10.0464% | 1,968 |
| Retained earnings to average equity (ytd only) | -19.8711% | 5,966 |
| Net charge-offs to loans | -0.0697% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9303% | 4,137 |
| Assets per employee ($millions) | 5.3677% | 1,956 |
| Cash dividends to net income (ytd only)* | 297.7931% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 3,670 |
| Loan loss allowance to noncurrent loans | 632.7731% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 5,161 |
| Noncurrent loans to loans | 0.1847% | 4,754 |
| Net loans and leases to total assets | 55.1611% | 4,340 |
| Net loans and leases to deposits | 63.1898% | 4,490 |
| Net loans and leases to core deposits | 68.5988% | 4,348 |
| Total domestic deposits to total assets | 87.2944% | 2,053 |
| Equity capital to assets | 12.3374% | 1,791 |
| Core capital (leverage) ratio | 11.9829% | 1,614 |
| Tier 1 risk-based capital ratio | 13.1048% | 4,195 |
| Total risk-based capital ratio | 13.8173% | 4,450 |
| Memoranda: | ||
| Average total assets | $231,838,500 | 2,672 |
| Average earning assets | $219,493,500 | 2,628 |
| Average equity | $28,866,000 | 2,444 |
| Average total loans | $126,239,000 | 2,996 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 4,366 |
| Cost of funding earning assets | 0.4913% | 2,238 |
| Net interest margin | 3.2083% | 4,601 |
| Noninterest income to average assets | 0.6882% | 2,256 |
| Noninterest expense to average assets | 2.2504% | 4,919 |
| Loan and lease loss provision to assets | 0.0222% | 3,941 |
| Net operating income to assets | 1.4310% | 982 |
| Return on assets (ROA) | 1.4310% | 1,014 |
| Pretax return on assets | 1.4310% | 1,787 |
| Return on Equity (ROE) | 11.4892% | 1,444 |
| Retained earnings to average equity (ytd only) | 4.0100% | 3,169 |
| Net charge-offs to loans | 0.0373% | 3,476 |
| Credit loss provision to net charge-offs | 108.6957% | 2,323 |
| Earnings coverage of net charge-offs (x) | 71.2826% | 757 |
| Efficiency ratio | 60.7634% | 4,793 |
| Assets per employee ($millions) | 5.5444% | 1,747 |
| Cash dividends to net income (ytd only)* | 65.0976% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 3,482 |
| Loan loss allowance to noncurrent loans | 742.0000% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 5,244 |
| Noncurrent loans to loans | 0.1617% | 4,845 |
| Net loans and leases to total assets | 52.4636% | 4,652 |
| Net loans and leases to deposits | 60.2318% | 4,759 |
| Net loans and leases to core deposits | 64.9820% | 4,673 |
| Total domestic deposits to total assets | 87.1029% | 2,074 |
| Equity capital to assets | 12.5634% | 1,590 |
| Core capital (leverage) ratio | 12.8762% | 1,196 |
| Tier 1 risk-based capital ratio | 14.0713% | 3,675 |
| Total risk-based capital ratio | 14.7880% | 3,918 |
| Memoranda: | ||
| Average total assets | $225,647,800 | 2,701 |
| Average earning assets | $212,073,200 | 2,657 |
| Average equity | $28,104,600 | 2,447 |
| Average total loans | $123,391,800 | 3,004 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7256% | 4,341 |
| Cost of funding earning assets | 0.4983% | 2,227 |
| Net interest margin | 3.2273% | 4,587 |
| Noninterest income to average assets | 0.7541% | 2,005 |
| Noninterest expense to average assets | 2.2861% | 4,815 |
| Loan and lease loss provision to assets | 0.0298% | 3,641 |
| Net operating income to assets | 1.4629% | 986 |
| Return on assets (ROA) | 1.4629% | 1,025 |
| Pretax return on assets | 1.4629% | 1,789 |
| Return on Equity (ROE) | 11.7720% | 1,439 |
| Retained earnings to average equity (ytd only) | 1.6968% | 5,018 |
| Net charge-offs to loans | 0.0562% | 2,800 |
| Credit loss provision to net charge-offs | 96.1538% | 2,365 |
| Earnings coverage of net charge-offs (x) | 48.1934% | 1,083 |
| Efficiency ratio | 60.4981% | 4,815 |
| Assets per employee ($millions) | 5.4270% | 1,850 |
| Cash dividends to net income (ytd only)* | 85.5865% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,769 |
| Loan loss allowance to noncurrent loans | 372.2922% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 4,939 |
| Noncurrent loans to loans | 0.3166% | 4,460 |
| Net loans and leases to total assets | 55.6937% | 4,391 |
| Net loans and leases to deposits | 64.3602% | 4,525 |
| Net loans and leases to core deposits | 69.8240% | 4,385 |
| Total domestic deposits to total assets | 86.5344% | 2,263 |
| Equity capital to assets | 12.9932% | 1,447 |
| Core capital (leverage) ratio | 12.8012% | 1,270 |
| Tier 1 risk-based capital ratio | 13.7577% | 3,989 |
| Total risk-based capital ratio | 14.4746% | 4,227 |
| Memoranda: | ||
| Average total assets | $223,843,250 | 2,740 |
| Average earning assets | $209,786,750 | 2,699 |
| Average equity | $27,816,750 | 2,482 |
| Average total loans | $123,326,250 | 3,022 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 4,410 |
| Cost of funding earning assets | 0.5002% | 2,252 |
| Net interest margin | 3.1995% | 4,665 |
| Noninterest income to average assets | 0.4815% | 3,494 |
| Noninterest expense to average assets | 2.3069% | 4,825 |
| Loan and lease loss provision to assets | 0.0446% | 3,220 |
| Net operating income to assets | 1.1191% | 1,879 |
| Return on assets (ROA) | 1.1191% | 1,967 |
| Pretax return on assets | 1.1191% | 3,092 |
| Return on Equity (ROE) | 9.1432% | 2,460 |
| Retained earnings to average equity (ytd only) | -6.1708% | 6,064 |
| Net charge-offs to loans | 0.1060% | 1,944 |
| Credit loss provision to net charge-offs | 76.9231% | 2,367 |
| Earnings coverage of net charge-offs (x) | 20.0769% | 1,723 |
| Efficiency ratio | 66.4697% | 3,930 |
| Assets per employee ($millions) | 4.4967% | 2,995 |
| Cash dividends to net income (ytd only)* | 167.4900% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,888 |
| Loan loss allowance to noncurrent loans | 443.9394% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 5,121 |
| Noncurrent loans to loans | 0.2666% | 4,712 |
| Net loans and leases to total assets | 55.5045% | 4,385 |
| Net loans and leases to deposits | 63.6977% | 4,561 |
| Net loans and leases to core deposits | 68.6576% | 4,441 |
| Total domestic deposits to total assets | 87.1374% | 2,088 |
| Equity capital to assets | 12.3320% | 1,781 |
| Core capital (leverage) ratio | 12.2100% | 1,533 |
| Tier 1 risk-based capital ratio | 14.9013% | 3,411 |
| Total risk-based capital ratio | 15.7050% | 3,587 |
| Memoranda: | ||
| Average total assets | $224,288,330 | 2,751 |
| Average earning assets | $209,534,670 | 2,713 |
| Average equity | $27,452,000 | 2,524 |
| Average total loans | $122,634,670 | 3,044 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 4,498 |
| Cost of funding earning assets | 0.4955% | 2,333 |
| Net interest margin | 3.1650% | 4,730 |
| Noninterest income to average assets | 0.4720% | 3,492 |
| Noninterest expense to average assets | 2.2434% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1756% | 1,616 |
| Return on assets (ROA) | 1.1756% | 1,722 |
| Pretax return on assets | 1.1756% | 2,755 |
| Return on Equity (ROE) | 9.6405% | 2,162 |
| Retained earnings to average equity (ytd only) | -20.8321% | 6,283 |
| Net charge-offs to loans | -0.0262% | 5,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6153% | 4,223 |
| Assets per employee ($millions) | 5.2782% | 2,020 |
| Cash dividends to net income (ytd only)* | 316.0902% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 3,898 |
| Loan loss allowance to noncurrent loans | 404.3478% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 5,238 |
| Noncurrent loans to loans | 0.3000% | 4,714 |
| Net loans and leases to total assets | 54.6718% | 4,350 |
| Net loans and leases to deposits | 63.0432% | 4,478 |
| Net loans and leases to core deposits | 67.8072% | 4,346 |
| Total domestic deposits to total assets | 86.7211% | 2,542 |
| Equity capital to assets | 12.2513% | 1,857 |
| Core capital (leverage) ratio | 11.7410% | 1,818 |
| Tier 1 risk-based capital ratio | 14.7967% | 3,543 |
| Total risk-based capital ratio | 15.6253% | 3,707 |
| Memoranda: | ||
| Average total assets | $226,264,000 | 2,755 |
| Average earning assets | $210,677,500 | 2,721 |
| Average equity | $27,592,000 | 2,531 |
| Average total loans | $122,071,000 | 3,058 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 4,425 |
| Cost of funding earning assets | 0.5332% | 2,351 |
| Net interest margin | 3.2875% | 4,628 |
| Noninterest income to average assets | 0.5255% | 3,319 |
| Noninterest expense to average assets | 2.2847% | 5,150 |
| Loan and lease loss provision to assets | 0.0229% | 4,149 |
| Net operating income to assets | 1.2835% | 1,339 |
| Return on assets (ROA) | 1.2835% | 1,389 |
| Pretax return on assets | 1.2835% | 2,298 |
| Return on Equity (ROE) | 10.6405% | 1,841 |
| Retained earnings to average equity (ytd only) | 3.1626% | 3,986 |
| Net charge-offs to loans | 0.0151% | 4,576 |
| Credit loss provision to net charge-offs | 277.7778% | 916 |
| Earnings coverage of net charge-offs (x) | 158.6667% | 343 |
| Efficiency ratio | 63.6225% | 4,646 |
| Assets per employee ($millions) | 5.6304% | 1,666 |
| Cash dividends to net income (ytd only)* | 70.2780% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 3,893 |
| Loan loss allowance to noncurrent loans | 385.4167% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 5,317 |
| Noncurrent loans to loans | 0.3162% | 4,711 |
| Net loans and leases to total assets | 51.9725% | 4,787 |
| Net loans and leases to deposits | 59.4568% | 4,948 |
| Net loans and leases to core deposits | 63.9275% | 4,830 |
| Total domestic deposits to total assets | 87.4123% | 2,076 |
| Equity capital to assets | 12.1402% | 1,916 |
| Core capital (leverage) ratio | 12.7359% | 1,234 |
| Tier 1 risk-based capital ratio | 13.5191% | 4,398 |
| Total risk-based capital ratio | 14.2334% | 4,648 |
| Memoranda: | ||
| Average total assets | $218,628,600 | 2,795 |
| Average earning assets | $203,865,800 | 2,762 |
| Average equity | $26,371,000 | 2,541 |
| Average total loans | $119,480,000 | 3,055 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 4,374 |
| Cost of funding earning assets | 0.5390% | 2,384 |
| Net interest margin | 3.3093% | 4,568 |
| Noninterest income to average assets | 0.5282% | 3,333 |
| Noninterest expense to average assets | 2.2835% | 5,147 |
| Loan and lease loss provision to assets | 0.0309% | 3,789 |
| Net operating income to assets | 1.3124% | 1,339 |
| Return on assets (ROA) | 1.3124% | 1,395 |
| Pretax return on assets | 1.3124% | 2,329 |
| Return on Equity (ROE) | 10.8996% | 1,827 |
| Retained earnings to average equity (ytd only) | 0.7705% | 5,569 |
| Net charge-offs to loans | 0.0056% | 4,496 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 434.1724% | 171 |
| Efficiency ratio | 62.9604% | 4,734 |
| Assets per employee ($millions) | 5.2172% | 1,995 |
| Cash dividends to net income (ytd only)* | 92.9314% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 4,084 |
| Loan loss allowance to noncurrent loans | 1,408.4906% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 5,899 |
| Noncurrent loans to loans | 0.0872% | 5,684 |
| Net loans and leases to total assets | 56.1397% | 4,310 |
| Net loans and leases to deposits | 64.8495% | 4,450 |
| Net loans and leases to core deposits | 70.3486% | 4,291 |
| Total domestic deposits to total assets | 86.5692% | 2,545 |
| Equity capital to assets | 12.6529% | 1,609 |
| Core capital (leverage) ratio | 12.7634% | 1,280 |
| Tier 1 risk-based capital ratio | 14.4171% | 3,928 |
| Total risk-based capital ratio | 15.2049% | 4,191 |
| Memoranda: | ||
| Average total assets | $215,574,500 | 2,850 |
| Average earning assets | $201,850,750 | 2,806 |
| Average equity | $25,957,500 | 2,577 |
| Average total loans | $118,986,000 | 3,078 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 4,448 |
| Cost of funding earning assets | 0.5382% | 2,452 |
| Net interest margin | 3.2818% | 4,662 |
| Noninterest income to average assets | 0.5080% | 3,418 |
| Noninterest expense to average assets | 2.2792% | 5,205 |
| Loan and lease loss provision to assets | 0.0463% | 3,387 |
| Net operating income to assets | 1.2520% | 1,441 |
| Return on assets (ROA) | 1.2520% | 1,504 |
| Pretax return on assets | 1.2520% | 2,445 |
| Return on Equity (ROE) | 10.5751% | 1,907 |
| Retained earnings to average equity (ytd only) | -4.8381% | 6,228 |
| Net charge-offs to loans | 0.0051% | 4,210 |
| Credit loss provision to net charge-offs | 1,666.6667% | 224 |
| Earnings coverage of net charge-offs (x) | 467.6667% | 151 |
| Efficiency ratio | 63.7093% | 4,738 |
| Assets per employee ($millions) | 4.6795% | 2,652 |
| Cash dividends to net income (ytd only)* | 145.7502% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,120 |
| Loan loss allowance to noncurrent loans | 2,669.6429% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 6,088 |
| Noncurrent loans to loans | 0.0470% | 5,909 |
| Net loans and leases to total assets | 54.6115% | 4,466 |
| Net loans and leases to deposits | 62.6065% | 4,630 |
| Net loans and leases to core deposits | 67.3124% | 4,521 |
| Total domestic deposits to total assets | 87.2297% | 2,336 |
| Equity capital to assets | 12.1538% | 1,882 |
| Core capital (leverage) ratio | 12.3058% | 1,493 |
| Tier 1 risk-based capital ratio | 13.9123% | 4,314 |
| Total risk-based capital ratio | 14.6956% | 4,559 |
| Memoranda: | ||
| Average total assets | $216,131,330 | 2,856 |
| Average earning assets | $202,147,330 | 2,811 |
| Average equity | $25,588,330 | 2,610 |
| Average total loans | $118,122,000 | 3,096 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 4,527 |
| Cost of funding earning assets | 0.5333% | 2,569 |
| Net interest margin | 3.2568% | 4,713 |
| Noninterest income to average assets | 0.4784% | 3,577 |
| Noninterest expense to average assets | 2.3087% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2153% | 1,443 |
| Return on assets (ROA) | 1.2153% | 1,500 |
| Pretax return on assets | 1.2153% | 2,417 |
| Return on Equity (ROE) | 10.4025% | 1,912 |
| Retained earnings to average equity (ytd only) | -20.7893% | 6,539 |
| Net charge-offs to loans | -0.0102% | 5,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5136% | 4,607 |
| Assets per employee ($millions) | 5.0567% | 2,179 |
| Cash dividends to net income (ytd only)* | 299.8480% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 4,484 |
| Loan loss allowance to noncurrent loans | 48,366.6667% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 6,175 |
| Noncurrent loans to loans | 0.0025% | 6,188 |
| Net loans and leases to total assets | 53.5702% | 4,479 |
| Net loans and leases to deposits | 60.8752% | 4,675 |
| Net loans and leases to core deposits | 65.1708% | 4,582 |
| Total domestic deposits to total assets | 88.0001% | 2,235 |
| Equity capital to assets | 11.4392% | 2,300 |
| Core capital (leverage) ratio | 11.9248% | 1,698 |
| Tier 1 risk-based capital ratio | 13.3515% | 4,794 |
| Total risk-based capital ratio | 14.1006% | 5,039 |
| Memoranda: | ||
| Average total assets | $216,568,500 | 2,867 |
| Average earning assets | $202,528,500 | 2,826 |
| Average equity | $25,301,500 | 2,624 |
| Average total loans | $117,658,000 | 3,122 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 4,553 |
| Cost of funding earning assets | 0.6045% | 2,619 |
| Net interest margin | 3.2711% | 4,773 |
| Noninterest income to average assets | 0.5480% | 3,416 |
| Noninterest expense to average assets | 2.2962% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3070% | 1,232 |
| Return on assets (ROA) | 1.3070% | 1,272 |
| Pretax return on assets | 1.3070% | 2,120 |
| Return on Equity (ROE) | 10.5608% | 1,906 |
| Retained earnings to average equity (ytd only) | 2.3384% | 4,583 |
| Net charge-offs to loans | 0.0159% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 153.5556% | 301 |
| Efficiency ratio | 63.7270% | 4,951 |
| Assets per employee ($millions) | 4.7934% | 2,457 |
| Cash dividends to net income (ytd only)* | 77.8582% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 4,481 |
| Loan loss allowance to noncurrent loans | 1,248.2759% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 6,068 |
| Noncurrent loans to loans | 0.0988% | 5,914 |
| Net loans and leases to total assets | 53.7485% | 4,615 |
| Net loans and leases to deposits | 61.4214% | 4,784 |
| Net loans and leases to core deposits | 65.5291% | 4,734 |
| Total domestic deposits to total assets | 87.5077% | 2,470 |
| Equity capital to assets | 11.9285% | 1,848 |
| Core capital (leverage) ratio | 12.3730% | 1,416 |
| Tier 1 risk-based capital ratio | 14.0082% | 4,290 |
| Total risk-based capital ratio | 14.7551% | 4,594 |
| Memoranda: | ||
| Average total assets | $211,478,200 | 2,902 |
| Average earning assets | $197,517,600 | 2,857 |
| Average equity | $26,172,200 | 2,528 |
| Average total loans | $113,369,000 | 3,182 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 4,598 |
| Cost of funding earning assets | 0.6143% | 2,695 |
| Net interest margin | 3.2602% | 4,793 |
| Noninterest income to average assets | 0.5443% | 3,497 |
| Noninterest expense to average assets | 2.2823% | 5,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3084% | 1,334 |
| Return on assets (ROA) | 1.3084% | 1,388 |
| Pretax return on assets | 1.3084% | 2,303 |
| Return on Equity (ROE) | 10.4755% | 2,010 |
| Retained earnings to average equity (ytd only) | -0.4363% | 6,030 |
| Net charge-offs to loans | 0.0071% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 344.1575% | 172 |
| Efficiency ratio | 63.5610% | 4,880 |
| Assets per employee ($millions) | 4.7816% | 2,461 |
| Cash dividends to net income (ytd only)* | 104.1649% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,620 |
| Loan loss allowance to noncurrent loans | 308.8795% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 5,713 |
| Noncurrent loans to loans | 0.4060% | 5,177 |
| Net loans and leases to total assets | 55.9529% | 4,328 |
| Net loans and leases to deposits | 64.3252% | 4,484 |
| Net loans and leases to core deposits | 69.0621% | 4,426 |
| Total domestic deposits to total assets | 86.9844% | 2,700 |
| Equity capital to assets | 12.2831% | 1,727 |
| Core capital (leverage) ratio | 12.9623% | 1,221 |
| Tier 1 risk-based capital ratio | 14.2994% | 4,214 |
| Total risk-based capital ratio | 15.0885% | 4,498 |
| Memoranda: | ||
| Average total assets | $210,422,500 | 2,937 |
| Average earning assets | $196,631,500 | 2,891 |
| Average equity | $26,282,750 | 2,555 |
| Average total loans | $112,365,250 | 3,222 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 4,753 |
| Cost of funding earning assets | 0.6189% | 2,781 |
| Net interest margin | 3.2034% | 4,932 |
| Noninterest income to average assets | 0.5528% | 3,480 |
| Noninterest expense to average assets | 2.2733% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2725% | 1,395 |
| Return on assets (ROA) | 1.2725% | 1,495 |
| Pretax return on assets | 1.2725% | 2,397 |
| Return on Equity (ROE) | 10.1332% | 2,147 |
| Retained earnings to average equity (ytd only) | -6.0243% | 6,518 |
| Net charge-offs to loans | 0.0396% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 61.3182% | 686 |
| Efficiency ratio | 64.1128% | 4,855 |
| Assets per employee ($millions) | 4.4102% | 2,968 |
| Cash dividends to net income (ytd only)* | 159.4514% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 4,587 |
| Loan loss allowance to noncurrent loans | 214.8588% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 5,461 |
| Noncurrent loans to loans | 0.5973% | 4,763 |
| Net loans and leases to total assets | 53.6603% | 4,637 |
| Net loans and leases to deposits | 61.6234% | 4,787 |
| Net loans and leases to core deposits | 66.0754% | 4,682 |
| Total domestic deposits to total assets | 87.0777% | 2,771 |
| Equity capital to assets | 12.2478% | 1,743 |
| Core capital (leverage) ratio | 12.5253% | 1,347 |
| Tier 1 risk-based capital ratio | 14.9424% | 3,816 |
| Total risk-based capital ratio | 15.7812% | 4,050 |
| Memoranda: | ||
| Average total assets | $212,027,670 | 2,939 |
| Average earning assets | $198,099,330 | 2,892 |
| Average equity | $26,625,330 | 2,524 |
| Average total loans | $110,985,670 | 3,254 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,916 |
| Cost of funding earning assets | 0.6322% | 2,828 |
| Net interest margin | 3.1389% | 5,131 |
| Noninterest income to average assets | 0.4907% | 3,836 |
| Noninterest expense to average assets | 2.2164% | 5,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2015% | 1,521 |
| Return on assets (ROA) | 1.2015% | 1,630 |
| Pretax return on assets | 1.2015% | 2,568 |
| Return on Equity (ROE) | 9.4551% | 2,292 |
| Retained earnings to average equity (ytd only) | -22.1109% | 6,855 |
| Net charge-offs to loans | -0.0218% | 5,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8472% | 4,852 |
| Assets per employee ($millions) | 4.9652% | 2,262 |
| Cash dividends to net income (ytd only)* | 333.8509% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 4,642 |
| Loan loss allowance to noncurrent loans | 424.4957% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 6,041 |
| Noncurrent loans to loans | 0.3089% | 5,628 |
| Net loans and leases to total assets | 51.9267% | 4,713 |
| Net loans and leases to deposits | 59.6285% | 4,840 |
| Net loans and leases to core deposits | 63.5033% | 4,791 |
| Total domestic deposits to total assets | 87.0837% | 2,914 |
| Equity capital to assets | 12.3295% | 1,821 |
| Core capital (leverage) ratio | 11.7571% | 1,703 |
| Tier 1 risk-based capital ratio | 14.7117% | 4,030 |
| Total risk-based capital ratio | 15.5765% | 4,246 |
| Memoranda: | ||
| Average total assets | $214,402,500 | 2,937 |
| Average earning assets | $199,942,500 | 2,904 |
| Average equity | $27,244,500 | 2,507 |
| Average total loans | $110,142,500 | 3,284 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 4,903 |
| Cost of funding earning assets | 0.7533% | 3,064 |
| Net interest margin | 3.3588% | 5,040 |
| Noninterest income to average assets | 0.6215% | 3,157 |
| Noninterest expense to average assets | 2.3059% | 5,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4406% | 1,024 |
| Return on assets (ROA) | 1.4406% | 1,148 |
| Pretax return on assets | 1.4406% | 1,893 |
| Return on Equity (ROE) | 10.9101% | 1,829 |
| Retained earnings to average equity (ytd only) | 6.0706% | 2,037 |
| Net charge-offs to loans | -0.0574% | 6,730 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5485% | 5,305 |
| Assets per employee ($millions) | 5.0070% | 2,222 |
| Cash dividends to net income (ytd only)* | 44.3581% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 4,358 |
| Loan loss allowance to noncurrent loans | 484.1584% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 6,177 |
| Noncurrent loans to loans | 0.2807% | 5,782 |
| Net loans and leases to total assets | 49.4561% | 5,245 |
| Net loans and leases to deposits | 57.2520% | 5,317 |
| Net loans and leases to core deposits | 61.0962% | 5,263 |
| Total domestic deposits to total assets | 86.3832% | 3,162 |
| Equity capital to assets | 13.0817% | 1,403 |
| Core capital (leverage) ratio | 12.8884% | 1,155 |
| Tier 1 risk-based capital ratio | 15.8813% | 3,227 |
| Total risk-based capital ratio | 16.7584% | 3,381 |
| Memoranda: | ||
| Average total assets | $205,475,400 | 2,980 |
| Average earning assets | $191,170,800 | 2,939 |
| Average equity | $27,130,800 | 2,473 |
| Average total loans | $107,964,600 | 3,337 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 4,818 |
| Cost of funding earning assets | 0.7728% | 3,166 |
| Net interest margin | 3.4266% | 4,940 |
| Noninterest income to average assets | 0.6206% | 3,151 |
| Noninterest expense to average assets | 2.2690% | 5,774 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5131% | 997 |
| Return on assets (ROA) | 1.5131% | 1,109 |
| Pretax return on assets | 1.5460% | 1,731 |
| Return on Equity (ROE) | 11.4316% | 1,808 |
| Retained earnings to average equity (ytd only) | 4.9170% | 3,425 |
| Net charge-offs to loans | -0.0704% | 6,783 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4767% | 5,586 |
| Assets per employee ($millions) | 4.6229% | 2,715 |
| Cash dividends to net income (ytd only)* | 56.9878% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 4,655 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 5,711 |
| Noncurrent loans to loans | 0.5494% | 5,345 |
| Net loans and leases to total assets | 54.3866% | 4,695 |
| Net loans and leases to deposits | 63.8072% | 4,736 |
| Net loans and leases to core deposits | 68.5305% | 4,669 |
| Total domestic deposits to total assets | 85.2359% | 3,647 |
| Equity capital to assets | 13.9527% | 1,175 |
| Core capital (leverage) ratio | 12.8977% | 1,230 |
| Tier 1 risk-based capital ratio | 16.2458% | 3,133 |
| Total risk-based capital ratio | 17.1626% | 3,287 |
| Memoranda: | ||
| Average total assets | $203,019,250 | 3,042 |
| Average earning assets | $189,259,000 | 3,000 |
| Average equity | $26,872,250 | 2,512 |
| Average total loans | $107,969,250 | 3,367 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 4,896 |
| Cost of funding earning assets | 0.7817% | 3,346 |
| Net interest margin | 3.4333% | 4,953 |
| Noninterest income to average assets | 0.6154% | 3,166 |
| Noninterest expense to average assets | 2.2482% | 5,876 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5428% | 925 |
| Return on assets (ROA) | 1.5428% | 1,036 |
| Pretax return on assets | 1.5683% | 1,646 |
| Return on Equity (ROE) | 11.8641% | 1,710 |
| Retained earnings to average equity (ytd only) | 1.9786% | 5,206 |
| Net charge-offs to loans | -0.1322% | 6,914 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9080% | 5,744 |
| Assets per employee ($millions) | 4.4113% | 3,068 |
| Cash dividends to net income (ytd only)* | 83.3228% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 4,706 |
| Loan loss allowance to noncurrent loans | 366.2531% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 6,053 |
| Noncurrent loans to loans | 0.3657% | 5,812 |
| Net loans and leases to total assets | 53.5851% | 4,864 |
| Net loans and leases to deposits | 62.3250% | 4,957 |
| Net loans and leases to core deposits | 67.0184% | 4,892 |
| Total domestic deposits to total assets | 85.9769% | 3,363 |
| Equity capital to assets | 13.3095% | 1,389 |
| Core capital (leverage) ratio | 12.3359% | 1,425 |
| Tier 1 risk-based capital ratio | 15.5610% | 3,399 |
| Total risk-based capital ratio | 16.4732% | 3,581 |
| Memoranda: | ||
| Average total assets | $204,430,330 | 3,034 |
| Average earning assets | $190,603,000 | 2,987 |
| Average equity | $26,584,330 | 2,521 |
| Average total loans | $107,434,000 | 3,391 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 5,075 |
| Cost of funding earning assets | 0.7955% | 3,511 |
| Net interest margin | 3.4136% | 5,063 |
| Noninterest income to average assets | 0.6024% | 3,221 |
| Noninterest expense to average assets | 2.1269% | 6,214 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6453% | 803 |
| Return on assets (ROA) | 1.6453% | 895 |
| Pretax return on assets | 1.6629% | 1,394 |
| Return on Equity (ROE) | 12.8012% | 1,460 |
| Retained earnings to average equity (ytd only) | -7.1135% | 6,721 |
| Net charge-offs to loans | -0.0377% | 6,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1214% | 6,110 |
| Assets per employee ($millions) | 4.8924% | 2,402 |
| Cash dividends to net income (ytd only)* | 155.5687% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,866 |
| Loan loss allowance to noncurrent loans | 144.0937% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 5,574 |
| Noncurrent loans to loans | 0.9251% | 4,815 |
| Net loans and leases to total assets | 50.9699% | 5,164 |
| Net loans and leases to deposits | 58.7678% | 5,296 |
| Net loans and leases to core deposits | 62.9326% | 5,227 |
| Total domestic deposits to total assets | 86.7311% | 3,101 |
| Equity capital to assets | 12.6134% | 1,653 |
| Core capital (leverage) ratio | 11.8740% | 1,658 |
| Tier 1 risk-based capital ratio | 15.5335% | 3,428 |
| Total risk-based capital ratio | 16.4326% | 3,590 |
| Memoranda: | ||
| Average total assets | $205,184,500 | 3,051 |
| Average earning assets | $191,588,500 | 3,001 |
| Average equity | $26,372,500 | 2,540 |
| Average total loans | $106,045,000 | 3,456 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 5,119 |
| Cost of funding earning assets | 0.9669% | 3,597 |
| Net interest margin | 3.5227% | 5,058 |
| Noninterest income to average assets | 0.5583% | 3,446 |
| Noninterest expense to average assets | 2.3890% | 5,804 |
| Loan and lease loss provision to assets | 0.3332% | 3,029 |
| Net operating income to assets | 1.0827% | 1,888 |
| Return on assets (ROA) | 1.0827% | 2,017 |
| Pretax return on assets | 1.1131% | 2,786 |
| Return on Equity (ROE) | 8.6570% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.6570% | 892 |
| Net charge-offs to loans | 0.5686% | 2,747 |
| Credit loss provision to net charge-offs | 109.4926% | 3,064 |
| Earnings coverage of net charge-offs (x) | 4.7529% | 2,987 |
| Efficiency ratio | 62.2906% | 5,413 |
| Assets per employee ($millions) | 4.5531% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 4,774 |
| Loan loss allowance to noncurrent loans | 141.4904% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 5,097 |
| Noncurrent loans to loans | 0.9373% | 4,827 |
| Net loans and leases to total assets | 51.0213% | 5,461 |
| Net loans and leases to deposits | 59.1256% | 5,585 |
| Net loans and leases to core deposits | 63.1495% | 5,547 |
| Total domestic deposits to total assets | 86.2931% | 3,146 |
| Equity capital to assets | 13.0934% | 1,444 |
| Core capital (leverage) ratio | 12.6505% | 1,289 |
| Tier 1 risk-based capital ratio | 15.8585% | 3,125 |
| Total risk-based capital ratio | 16.7528% | 3,274 |
| Memoranda: | ||
| Average total assets | $200,794,400 | 3,048 |
| Average earning assets | $186,789,800 | 3,004 |
| Average equity | $25,112,600 | 2,569 |
| Average total loans | $107,456,400 | 3,437 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 4,854 |
| Cost of funding earning assets | 1.0187% | 3,538 |
| Net interest margin | 3.5836% | 4,838 |
| Noninterest income to average assets | 0.5359% | 3,612 |
| Noninterest expense to average assets | 2.4694% | 5,566 |
| Loan and lease loss provision to assets | 0.2403% | 3,606 |
| Net operating income to assets | 1.1286% | 1,883 |
| Return on assets (ROA) | 1.1286% | 2,005 |
| Pretax return on assets | 1.1580% | 2,794 |
| Return on Equity (ROE) | 9.1339% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.1339% | 1,097 |
| Net charge-offs to loans | 0.3153% | 3,524 |
| Credit loss provision to net charge-offs | 141.1765% | 2,253 |
| Earnings coverage of net charge-offs (x) | 8.2157% | 2,214 |
| Efficiency ratio | 63.8481% | 5,101 |
| Assets per employee ($millions) | 4.4058% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 4,683 |
| Loan loss allowance to noncurrent loans | 173.8922% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 5,291 |
| Noncurrent loans to loans | 0.7881% | 5,302 |
| Net loans and leases to total assets | 53.9058% | 5,175 |
| Net loans and leases to deposits | 63.2434% | 5,264 |
| Net loans and leases to core deposits | 67.4213% | 5,253 |
| Total domestic deposits to total assets | 85.2354% | 3,654 |
| Equity capital to assets | 13.7443% | 1,268 |
| Core capital (leverage) ratio | 12.5044% | 1,433 |
| Tier 1 risk-based capital ratio | 15.7212% | 3,266 |
| Total risk-based capital ratio | 16.6555% | 3,408 |
| Memoranda: | ||
| Average total assets | $199,770,750 | 3,078 |
| Average earning assets | $185,730,000 | 3,027 |
| Average equity | $24,684,000 | 2,615 |
| Average total loans | $107,835,000 | 3,466 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 4,990 |
| Cost of funding earning assets | 1.0412% | 3,663 |
| Net interest margin | 3.5525% | 4,911 |
| Noninterest income to average assets | 0.5363% | 3,588 |
| Noninterest expense to average assets | 2.4972% | 5,548 |
| Loan and lease loss provision to assets | 0.2122% | 3,794 |
| Net operating income to assets | 1.1103% | 1,841 |
| Return on assets (ROA) | 1.1103% | 1,932 |
| Pretax return on assets | 1.1351% | 2,711 |
| Return on Equity (ROE) | 9.3214% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.3214% | 1,009 |
| Net charge-offs to loans | 0.1936% | 3,992 |
| Credit loss provision to net charge-offs | 203.8095% | 1,483 |
| Earnings coverage of net charge-offs (x) | 12.9429% | 1,590 |
| Efficiency ratio | 64.9562% | 5,069 |
| Assets per employee ($millions) | 4.0985% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 4,878 |
| Loan loss allowance to noncurrent loans | 170.4918% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 5,571 |
| Noncurrent loans to loans | 0.7849% | 5,344 |
| Net loans and leases to total assets | 54.5662% | 5,212 |
| Net loans and leases to deposits | 63.3912% | 5,349 |
| Net loans and leases to core deposits | 67.4843% | 5,342 |
| Total domestic deposits to total assets | 86.0786% | 3,283 |
| Equity capital to assets | 12.8697% | 1,587 |
| Core capital (leverage) ratio | 11.9051% | 1,666 |
| Tier 1 risk-based capital ratio | 15.7478% | 3,108 |
| Total risk-based capital ratio | 16.7087% | 3,211 |
| Memoranda: | ||
| Average total assets | $201,742,670 | 3,077 |
| Average earning assets | $187,869,000 | 3,031 |
| Average equity | $24,030,670 | 2,660 |
| Average total loans | $108,463,000 | 3,496 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 5,325 |
| Cost of funding earning assets | 1.0661% | 3,742 |
| Net interest margin | 3.4379% | 5,274 |
| Noninterest income to average assets | 0.5209% | 3,719 |
| Noninterest expense to average assets | 2.4108% | 5,854 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2847% | 1,307 |
| Return on assets (ROA) | 1.2847% | 1,356 |
| Pretax return on assets | 1.3121% | 2,005 |
| Return on Equity (ROE) | 11.2199% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.2199% | 858 |
| Net charge-offs to loans | -0.0074% | 6,294 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7554% | 5,224 |
| Assets per employee ($millions) | 4.5896% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,389 |
| Loan loss allowance to noncurrent loans | 116.4940% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 5,495 |
| Noncurrent loans to loans | 1.0733% | 4,903 |
| Net loans and leases to total assets | 52.7590% | 5,492 |
| Net loans and leases to deposits | 60.5043% | 5,670 |
| Net loans and leases to core deposits | 64.5709% | 5,669 |
| Total domestic deposits to total assets | 87.1987% | 2,835 |
| Equity capital to assets | 11.8218% | 2,027 |
| Core capital (leverage) ratio | 11.5436% | 1,820 |
| Tier 1 risk-based capital ratio | 14.8008% | 3,544 |
| Total risk-based capital ratio | 15.6542% | 3,762 |
| Memoranda: | ||
| Average total assets | $204,251,000 | 3,064 |
| Average earning assets | $190,232,000 | 3,008 |
| Average equity | $23,387,000 | 2,702 |
| Average total loans | $108,293,500 | 3,533 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 4,416 |
| Cost of funding earning assets | 1.4591% | 2,897 |
| Net interest margin | 3.5698% | 4,966 |
| Noninterest income to average assets | 0.6367% | 3,236 |
| Noninterest expense to average assets | 2.5842% | 5,479 |
| Loan and lease loss provision to assets | 0.0525% | 6,634 |
| Net operating income to assets | 1.2713% | 1,244 |
| Return on assets (ROA) | 1.2713% | 1,309 |
| Pretax return on assets | 1.2947% | 1,939 |
| Return on Equity (ROE) | 9.9559% | 1,946 |
| Retained earnings to average equity (ytd only) | -2.4320% | 6,036 |
| Net charge-offs to loans | 0.5073% | 3,586 |
| Credit loss provision to net charge-offs | 17.8131% | 6,573 |
| Earnings coverage of net charge-offs (x) | 4.5750% | 2,875 |
| Efficiency ratio | 65.7332% | 5,021 |
| Assets per employee ($millions) | 4.4905% | 2,892 |
| Cash dividends to net income (ytd only)* | 124.4281% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 5,328 |
| Loan loss allowance to noncurrent loans | 85.5238% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 5,145 |
| Noncurrent loans to loans | 1.4490% | 4,309 |
| Net loans and leases to total assets | 51.9696% | 5,911 |
| Net loans and leases to deposits | 59.0615% | 6,148 |
| Net loans and leases to core deposits | 62.5213% | 6,193 |
| Total domestic deposits to total assets | 87.9924% | 2,254 |
| Equity capital to assets | 11.0868% | 2,613 |
| Core capital (leverage) ratio | 11.4842% | 1,843 |
| Tier 1 risk-based capital ratio | 15.0905% | 3,195 |
| Total risk-based capital ratio | 15.9844% | 3,366 |
| Memoranda: | ||
| Average total assets | $192,555,400 | 3,191 |
| Average earning assets | $177,713,200 | 3,148 |
| Average equity | $24,588,400 | 2,596 |
| Average total loans | $111,758,800 | 3,501 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 3,986 |
| Cost of funding earning assets | 1.5519% | 2,664 |
| Net interest margin | 3.6185% | 4,795 |
| Noninterest income to average assets | 0.6227% | 3,295 |
| Noninterest expense to average assets | 2.6524% | 5,102 |
| Loan and lease loss provision to assets | 0.0606% | 6,460 |
| Net operating income to assets | 1.2151% | 1,549 |
| Return on assets (ROA) | 1.2151% | 1,629 |
| Pretax return on assets | 1.2363% | 2,376 |
| Return on Equity (ROE) | 9.1854% | 2,427 |
| Retained earnings to average equity (ytd only) | 5.8374% | 2,455 |
| Net charge-offs to loans | 0.2702% | 4,324 |
| Credit loss provision to net charge-offs | 37.7193% | 6,044 |
| Earnings coverage of net charge-offs (x) | 8.0659% | 2,219 |
| Efficiency ratio | 67.1607% | 4,630 |
| Assets per employee ($millions) | 4.2173% | 3,414 |
| Cash dividends to net income (ytd only)* | 36.4479% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 3,927 |
| Loan loss allowance to noncurrent loans | 44.1830% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 2.1161% | 3,312 |
| Noncurrent loans to loans | 3.4098% | 2,330 |
| Net loans and leases to total assets | 57.5643% | 5,328 |
| Net loans and leases to deposits | 67.7656% | 5,450 |
| Net loans and leases to core deposits | 72.4023% | 5,465 |
| Total domestic deposits to total assets | 84.9462% | 3,642 |
| Equity capital to assets | 13.8540% | 1,216 |
| Core capital (leverage) ratio | 12.8534% | 1,284 |
| Tier 1 risk-based capital ratio | 16.4669% | 2,572 |
| Total risk-based capital ratio | 17.5929% | 2,574 |
| Memoranda: | ||
| Average total assets | $189,054,000 | 3,286 |
| Average earning assets | $173,807,000 | 3,255 |
| Average equity | $25,010,250 | 2,588 |
| Average total loans | $112,524,500 | 3,541 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 3,961 |
| Cost of funding earning assets | 1.6087% | 2,607 |
| Net interest margin | 3.5909% | 4,858 |
| Noninterest income to average assets | 0.6154% | 3,221 |
| Noninterest expense to average assets | 2.7551% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1313% | 1,751 |
| Return on assets (ROA) | 1.1313% | 1,818 |
| Pretax return on assets | 1.1493% | 2,591 |
| Return on Equity (ROE) | 8.6889% | 2,583 |
| Retained earnings to average equity (ytd only) | 4.2143% | 3,389 |
| Net charge-offs to loans | 0.2636% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 7.2819% | 2,327 |
| Efficiency ratio | 70.5643% | 4,068 |
| Assets per employee ($millions) | 3.8526% | 4,095 |
| Cash dividends to net income (ytd only)* | 51.4981% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 4,032 |
| Loan loss allowance to noncurrent loans | 41.0763% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 2.2667% | 3,174 |
| Noncurrent loans to loans | 3.5937% | 2,196 |
| Net loans and leases to total assets | 58.8319% | 5,277 |
| Net loans and leases to deposits | 68.7410% | 5,452 |
| Net loans and leases to core deposits | 73.4174% | 5,506 |
| Total domestic deposits to total assets | 85.5850% | 3,325 |
| Equity capital to assets | 13.3270% | 1,427 |
| Core capital (leverage) ratio | 12.8618% | 1,256 |
| Tier 1 risk-based capital ratio | 16.1828% | 2,597 |
| Total risk-based capital ratio | 17.3115% | 2,604 |
| Memoranda: | ||
| Average total assets | $188,812,330 | 3,324 |
| Average earning assets | $172,937,000 | 3,295 |
| Average equity | $24,583,000 | 2,638 |
| Average total loans | $113,060,670 | 3,557 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2583% | 3,740 |
| Cost of funding earning assets | 1.6858% | 2,459 |
| Net interest margin | 3.5726% | 4,844 |
| Noninterest income to average assets | 0.6376% | 3,020 |
| Noninterest expense to average assets | 2.6055% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2583% | 1,387 |
| Return on assets (ROA) | 1.2583% | 1,460 |
| Pretax return on assets | 1.2689% | 2,139 |
| Return on Equity (ROE) | 9.7796% | 2,177 |
| Retained earnings to average equity (ytd only) | 0.7244% | 5,535 |
| Net charge-offs to loans | 0.4381% | 2,734 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.8306% | 2,539 |
| Efficiency ratio | 67.2499% | 4,867 |
| Assets per employee ($millions) | 3.8565% | 4,187 |
| Cash dividends to net income (ytd only)* | 92.5926% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 3,829 |
| Loan loss allowance to noncurrent loans | 113.8140% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 5,310 |
| Noncurrent loans to loans | 1.3323% | 4,754 |
| Net loans and leases to total assets | 59.2594% | 5,249 |
| Net loans and leases to deposits | 68.9498% | 5,476 |
| Net loans and leases to core deposits | 71.8915% | 5,727 |
| Total domestic deposits to total assets | 85.9457% | 3,178 |
| Equity capital to assets | 13.1646% | 1,461 |
| Core capital (leverage) ratio | 12.3872% | 1,455 |
| Tier 1 risk-based capital ratio | 16.1368% | 2,592 |
| Total risk-based capital ratio | 17.3023% | 2,589 |
| Memoranda: | ||
| Average total assets | $188,831,000 | 3,380 |
| Average earning assets | $171,081,000 | 3,386 |
| Average equity | $24,295,500 | 2,690 |
| Average total loans | $113,229,000 | 3,616 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 3,445 |
| Cost of funding earning assets | 1.9505% | 3,208 |
| Net interest margin | 3.6792% | 4,223 |
| Noninterest income to average assets | 0.6320% | 3,413 |
| Noninterest expense to average assets | 2.5975% | 5,806 |
| Loan and lease loss provision to assets | 0.4563% | 4,088 |
| Net operating income to assets | 0.6158% | 3,275 |
| Return on assets (ROA) | 0.6158% | 3,340 |
| Pretax return on assets | 0.9563% | 2,744 |
| Return on Equity (ROE) | 4.7991% | 3,756 |
| Retained earnings to average equity (ytd only) | 3.5395% | 2,699 |
| Net charge-offs to loans | 0.0937% | 6,193 |
| Credit loss provision to net charge-offs | 770.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 23.8364% | 922 |
| Efficiency ratio | 64.7723% | 5,630 |
| Assets per employee ($millions) | 3.8510% | 4,142 |
| Cash dividends to net income (ytd only)* | 26.2467% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 3,373 |
| Loan loss allowance to noncurrent loans | 67.9535% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3856% | 4,341 |
| Noncurrent loans to loans | 2.3185% | 3,268 |
| Net loans and leases to total assets | 58.8210% | 5,513 |
| Net loans and leases to deposits | 67.9084% | 5,842 |
| Net loans and leases to core deposits | 82.2879% | 5,889 |
| Total domestic deposits to total assets | 86.6182% | 2,698 |
| Equity capital to assets | 12.5795% | 1,710 |
| Core capital (leverage) ratio | 12.5410% | 1,434 |
| Tier 1 risk-based capital ratio | 17.9027% | 1,916 |
| Total risk-based capital ratio | 19.1546% | 1,881 |
| Memoranda: | ||
| Average total assets | $185,603,200 | 3,344 |
| Average earning assets | $170,415,800 | 3,340 |
| Average equity | $23,817,200 | 2,752 |
| Average total loans | $117,452,400 | 3,538 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6803% | 3,434 |
| Cost of funding earning assets | 2.0019% | 3,346 |
| Net interest margin | 3.6784% | 4,172 |
| Noninterest income to average assets | 0.6236% | 3,535 |
| Noninterest expense to average assets | 2.6149% | 5,659 |
| Loan and lease loss provision to assets | 0.0856% | 6,508 |
| Net operating income to assets | 0.8999% | 2,423 |
| Return on assets (ROA) | 0.8999% | 2,489 |
| Pretax return on assets | 1.3343% | 1,863 |
| Return on Equity (ROE) | 6.9769% | 3,081 |
| Retained earnings to average equity (ytd only) | 6.9769% | 1,516 |
| Net charge-offs to loans | 0.1615% | 5,100 |
| Credit loss provision to net charge-offs | 82.5175% | 5,692 |
| Earnings coverage of net charge-offs (x) | 13.6924% | 1,659 |
| Efficiency ratio | 64.8095% | 5,588 |
| Assets per employee ($millions) | 3.8120% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 6,828 |
| Loan loss allowance to noncurrent loans | 69.8339% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 5,400 |
| Noncurrent loans to loans | 1.2668% | 4,826 |
| Net loans and leases to total assets | 64.3523% | 4,788 |
| Net loans and leases to deposits | 75.4041% | 5,136 |
| Net loans and leases to core deposits | 93.2207% | 5,104 |
| Total domestic deposits to total assets | 85.3433% | 3,055 |
| Equity capital to assets | 13.5713% | 1,466 |
| Core capital (leverage) ratio | 12.8495% | 1,430 |
| Tier 1 risk-based capital ratio | 18.3273% | 1,900 |
| Total risk-based capital ratio | 19.1380% | 1,972 |
| Memoranda: | ||
| Average total assets | $183,866,000 | 3,406 |
| Average earning assets | $170,503,750 | 3,369 |
| Average equity | $23,716,000 | 2,787 |
| Average total loans | $118,047,000 | 3,552 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7200% | 3,435 |
| Cost of funding earning assets | 2.0803% | 3,362 |
| Net interest margin | 3.6397% | 4,213 |
| Noninterest income to average assets | 0.5919% | 3,762 |
| Noninterest expense to average assets | 2.6151% | 5,686 |
| Loan and lease loss provision to assets | 0.1281% | 5,820 |
| Net operating income to assets | 0.5864% | 3,736 |
| Return on assets (ROA) | 0.5864% | 3,844 |
| Pretax return on assets | 1.2250% | 2,231 |
| Return on Equity (ROE) | 4.6265% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.6265% | 2,720 |
| Net charge-offs to loans | 0.1002% | 5,162 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 21.1186% | 1,278 |
| Efficiency ratio | 65.9004% | 5,563 |
| Assets per employee ($millions) | 3.8093% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 6,568 |
| Loan loss allowance to noncurrent loans | 89.6524% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 5,658 |
| Noncurrent loans to loans | 1.0578% | 5,099 |
| Net loans and leases to total assets | 64.8349% | 4,801 |
| Net loans and leases to deposits | 75.8256% | 5,197 |
| Net loans and leases to core deposits | 93.7257% | 5,146 |
| Total domestic deposits to total assets | 85.5053% | 3,013 |
| Equity capital to assets | 12.9880% | 1,695 |
| Core capital (leverage) ratio | 12.6596% | 1,555 |
| Tier 1 risk-based capital ratio | 17.5971% | 2,112 |
| Total risk-based capital ratio | 18.4642% | 2,169 |
| Memoranda: | ||
| Average total assets | $184,163,330 | 3,420 |
| Average earning assets | $170,840,000 | 3,380 |
| Average equity | $23,344,000 | 2,832 |
| Average total loans | $117,796,330 | 3,582 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7886% | 3,361 |
| Cost of funding earning assets | 2.2415% | 2,952 |
| Net interest margin | 3.5471% | 4,534 |
| Noninterest income to average assets | 0.5865% | 3,647 |
| Noninterest expense to average assets | 2.6166% | 5,383 |
| Loan and lease loss provision to assets | 0.1385% | 5,192 |
| Net operating income to assets | -0.1580% | 6,493 |
| Return on assets (ROA) | -0.1580% | 6,595 |
| Pretax return on assets | 1.1124% | 2,942 |
| Return on Equity (ROE) | -1.2618% | 6,583 |
| Retained earnings to average equity (ytd only) | -1.2618% | 5,947 |
| Net charge-offs to loans | 0.3320% | 2,771 |
| Credit loss provision to net charge-offs | 65.9794% | 4,418 |
| Earnings coverage of net charge-offs (x) | 5.9588% | 2,578 |
| Efficiency ratio | 67.6553% | 5,029 |
| Assets per employee ($millions) | 3.7987% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 6,827 |
| Loan loss allowance to noncurrent loans | 128.7654% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 6,074 |
| Noncurrent loans to loans | 0.6834% | 5,697 |
| Net loans and leases to total assets | 64.4262% | 4,914 |
| Net loans and leases to deposits | 74.7276% | 5,395 |
| Net loans and leases to core deposits | 93.0008% | 5,259 |
| Total domestic deposits to total assets | 86.2147% | 2,609 |
| Equity capital to assets | 12.6161% | 1,920 |
| Core capital (leverage) ratio | 12.0375% | 1,884 |
| Tier 1 risk-based capital ratio | 17.2080% | 2,265 |
| Total risk-based capital ratio | 18.0084% | 2,349 |
| Memoranda: | ||
| Average total assets | $184,822,000 | 3,433 |
| Average earning assets | $170,957,000 | 3,408 |
| Average equity | $23,142,000 | 2,861 |
| Average total loans | $116,853,000 | 3,628 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1408% | 4,828 |
| Cost of funding earning assets | 2.6771% | 3,282 |
| Net interest margin | 3.4638% | 5,423 |
| Noninterest income to average assets | 0.6565% | 3,423 |
| Noninterest expense to average assets | 2.4416% | 6,248 |
| Loan and lease loss provision to assets | 0.0447% | 6,854 |
| Net operating income to assets | 1.0329% | 2,422 |
| Return on assets (ROA) | 1.0329% | 2,313 |
| Pretax return on assets | 1.3954% | 1,984 |
| Return on Equity (ROE) | 8.1182% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.1182% | 811 |
| Net charge-offs to loans | 0.0727% | 5,724 |
| Credit loss provision to net charge-offs | 102.4390% | 5,198 |
| Earnings coverage of net charge-offs (x) | 33.0366% | 1,091 |
| Efficiency ratio | 62.9006% | 5,798 |
| Assets per employee ($millions) | 3.9852% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 6,485 |
| Loan loss allowance to noncurrent loans | 63.3314% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0833% | 4,126 |
| Noncurrent loans to loans | 1.4750% | 3,588 |
| Net loans and leases to total assets | 60.9236% | 5,778 |
| Net loans and leases to deposits | 70.4849% | 6,220 |
| Net loans and leases to core deposits | 90.0222% | 5,795 |
| Total domestic deposits to total assets | 86.4350% | 2,199 |
| Equity capital to assets | 12.4289% | 2,047 |
| Core capital (leverage) ratio | 12.1396% | 1,905 |
| Tier 1 risk-based capital ratio | 14.4757% | 3,308 |
| Total risk-based capital ratio | 15.1681% | 3,505 |
| Memoranda: | ||
| Average total assets | $188,116,400 | 3,290 |
| Average earning assets | $175,155,000 | 3,258 |
| Average equity | $23,933,800 | 2,737 |
| Average total loans | $112,830,400 | 3,621 |