Home > Cornerstone National Bank & Trust Company > Performance and Condition Ratios
Cornerstone National Bank & Trust Company, 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 | 5.2234% | 1,623 |
| Cost of funding earning assets | 1.4457% | 2,089 |
| Net interest margin | 3.7777% | 1,599 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.4543% | 2,431 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2257% | 1,590 |
| Return on assets (ROA) | 1.2282% | 1,557 |
| Pretax return on assets | 1.7283% | 1,008 |
| Return on Equity (ROE) | 13.8600% | 1,511 |
| Retained earnings to average equity (ytd only) | 5.8653% | 2,304 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.6439% | 3,227 |
| Assets per employee ($millions) | 9.6795% | 777 |
| Cash dividends to net income (ytd only)* | 57.6794% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 1,999 |
| Loan loss allowance to noncurrent loans | 581.2009% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,544 |
| Noncurrent loans to loans | 0.2155% | 2,451 |
| Net loans and leases to total assets | 66.9000% | 2,158 |
| Net loans and leases to deposits | 74.7512% | 2,561 |
| Net loans and leases to core deposits | 77.1172% | 2,908 |
| Total domestic deposits to total assets | 89.5000% | 905 |
| Equity capital to assets | 9.4663% | 2,370 |
| Core capital (leverage) ratio | 9.6046% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6417% | 2,009 |
| Memoranda: | ||
| Average total assets | $966,947,400 | 1,014 |
| Average earning assets | $938,585,400 | 966 |
| Average equity | $85,691,000 | 1,076 |
| Average total loans | $629,589,200 | 1,057 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 1,638 |
| Cost of funding earning assets | 1.3180% | 2,102 |
| Net interest margin | 3.7798% | 1,644 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.4199% | 2,464 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2631% | 1,624 |
| Return on assets (ROA) | 1.2571% | 1,630 |
| Pretax return on assets | 1.7561% | 1,072 |
| Return on Equity (ROE) | 14.4300% | 1,561 |
| Retained earnings to average equity (ytd only) | 4.7957% | 3,002 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.7616% | 3,235 |
| Assets per employee ($millions) | 9.7882% | 719 |
| Cash dividends to net income (ytd only)* | 66.7615% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 1,941 |
| Loan loss allowance to noncurrent loans | 715.1275% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 2,775 |
| Noncurrent loans to loans | 0.1795% | 2,647 |
| Net loans and leases to total assets | 65.2000% | 2,322 |
| Net loans and leases to deposits | 73.2839% | 2,627 |
| Net loans and leases to core deposits | 75.6946% | 2,887 |
| Total domestic deposits to total assets | 88.9600% | 1,269 |
| Equity capital to assets | 9.0402% | 2,391 |
| Core capital (leverage) ratio | 9.5756% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3789% | 2,123 |
| Memoranda: | ||
| Average total assets | $969,115,500 | 1,013 |
| Average earning assets | $940,583,500 | 961 |
| Average equity | $84,435,500 | 1,082 |
| Average total loans | $624,682,500 | 1,059 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 1,659 |
| Cost of funding earning assets | 1.1743% | 2,069 |
| Net interest margin | 3.7731% | 1,676 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.4095% | 2,452 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2702% | 1,642 |
| Return on assets (ROA) | 1.2717% | 1,631 |
| Pretax return on assets | 1.7705% | 1,068 |
| Return on Equity (ROE) | 14.7800% | 1,514 |
| Retained earnings to average equity (ytd only) | 0.1984% | 4,036 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.5874% | 3,247 |
| Assets per employee ($millions) | 9.8107% | 703 |
| Cash dividends to net income (ytd only)* | 98.6576% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 1,969 |
| Loan loss allowance to noncurrent loans | 694.3638% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 2,696 |
| Noncurrent loans to loans | 0.1859% | 2,541 |
| Net loans and leases to total assets | 64.0300% | 2,382 |
| Net loans and leases to deposits | 71.8535% | 2,659 |
| Net loans and leases to core deposits | 74.0135% | 2,882 |
| Total domestic deposits to total assets | 89.1100% | 1,215 |
| Equity capital to assets | 8.6787% | 2,729 |
| Core capital (leverage) ratio | 9.2544% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1850% | 2,219 |
| Memoranda: | ||
| Average total assets | $972,404,667 | 1,002 |
| Average earning assets | $943,844,000 | 951 |
| Average equity | $83,674,667 | 1,085 |
| Average total loans | $621,733,000 | 1,046 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 1,592 |
| Cost of funding earning assets | 1.0190% | 1,985 |
| Net interest margin | 3.7947% | 1,698 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3705% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3165% | 1,630 |
| Return on assets (ROA) | 1.3234% | 1,576 |
| Pretax return on assets | 1.8434% | 995 |
| Return on Equity (ROE) | 15.4500% | 1,467 |
| Retained earnings to average equity (ytd only) | -10.2248% | 4,480 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.3691% | 3,370 |
| Assets per employee ($millions) | 9.7690% | 749 |
| Cash dividends to net income (ytd only)* | 166.2007% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,038 |
| Loan loss allowance to noncurrent loans | 647.3726% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 2,599 |
| Noncurrent loans to loans | 0.2008% | 2,467 |
| Net loans and leases to total assets | 64.4900% | 2,202 |
| Net loans and leases to deposits | 72.3481% | 2,440 |
| Net loans and leases to core deposits | 74.1903% | 2,664 |
| Total domestic deposits to total assets | 89.1400% | 1,495 |
| Equity capital to assets | 8.6510% | 2,783 |
| Core capital (leverage) ratio | 8.8590% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8542% | 2,449 |
| Memoranda: | ||
| Average total assets | $972,978,500 | 1,014 |
| Average earning assets | $944,047,500 | 960 |
| Average equity | $83,366,000 | 1,102 |
| Average total loans | $617,602,500 | 1,064 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 2,577 |
| Cost of funding earning assets | 0.2516% | 3,308 |
| Net interest margin | 3.4310% | 2,151 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.2759% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1420% | 2,001 |
| Return on assets (ROA) | 1.1243% | 2,016 |
| Pretax return on assets | 1.5737% | 1,227 |
| Return on Equity (ROE) | 13.6500% | 1,615 |
| Retained earnings to average equity (ytd only) | 7.6553% | 1,970 |
| Net charge-offs to loans | -0.0076% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.7797% | 3,220 |
| Assets per employee ($millions) | 10.0877% | 655 |
| Cash dividends to net income (ytd only)* | 43.9020% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 1,749 |
| Loan loss allowance to noncurrent loans | 638.7274% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 2,620 |
| Noncurrent loans to loans | 0.2088% | 2,449 |
| Net loans and leases to total assets | 60.8500% | 2,570 |
| Net loans and leases to deposits | 68.0291% | 2,724 |
| Net loans and leases to core deposits | 69.7485% | 2,894 |
| Total domestic deposits to total assets | 89.4500% | 1,583 |
| Equity capital to assets | 8.4879% | 2,710 |
| Core capital (leverage) ratio | 8.6772% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2456% | 2,269 |
| Memoranda: | ||
| Average total assets | $1,012,962,200 | 971 |
| Average earning assets | $974,442,400 | 926 |
| Average equity | $83,458,200 | 1,096 |
| Average total loans | $606,375,200 | 1,026 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3643% | 3,003 |
| Cost of funding earning assets | 0.1430% | 3,914 |
| Net interest margin | 3.2213% | 2,562 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.2199% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0713% | 2,200 |
| Return on assets (ROA) | 1.0485% | 2,259 |
| Pretax return on assets | 1.4628% | 1,522 |
| Return on Equity (ROE) | 12.8200% | 1,768 |
| Retained earnings to average equity (ytd only) | 8.8209% | 1,719 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.8125% | 3,136 |
| Assets per employee ($millions) | 10.7332% | 536 |
| Cash dividends to net income (ytd only)* | 31.1954% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 1,978 |
| Loan loss allowance to noncurrent loans | 856.4619% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 3,031 |
| Noncurrent loans to loans | 0.1532% | 2,847 |
| Net loans and leases to total assets | 58.4100% | 2,652 |
| Net loans and leases to deposits | 64.9500% | 2,796 |
| Net loans and leases to core deposits | 66.3848% | 2,927 |
| Total domestic deposits to total assets | 89.9300% | 1,695 |
| Equity capital to assets | 7.9294% | 2,944 |
| Core capital (leverage) ratio | 8.5673% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1101% | 2,425 |
| Memoranda: | ||
| Average total assets | $1,019,053,250 | 969 |
| Average earning assets | $978,283,500 | 927 |
| Average equity | $83,345,000 | 1,105 |
| Average total loans | $605,549,000 | 1,032 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1161% | 3,265 |
| Cost of funding earning assets | 0.0989% | 4,199 |
| Net interest margin | 3.0172% | 2,833 |
| Noninterest income to average assets | 0.5972% | 1,752 |
| Noninterest expense to average assets | 2.2058% | 2,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9288% | 2,449 |
| Return on assets (ROA) | 0.9024% | 2,542 |
| Pretax return on assets | 1.2581% | 1,879 |
| Return on Equity (ROE) | 10.9199% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.9199% | 795 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0716% | 2,907 |
| Assets per employee ($millions) | 10.6273% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,088 |
| Loan loss allowance to noncurrent loans | 658.3876% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 2,453 |
| Noncurrent loans to loans | 0.2008% | 2,706 |
| Net loans and leases to total assets | 59.1548% | 2,423 |
| Net loans and leases to deposits | 65.8497% | 2,556 |
| Net loans and leases to core deposits | 67.0409% | 2,734 |
| Total domestic deposits to total assets | 89.8330% | 1,780 |
| Equity capital to assets | 8.1915% | 2,975 |
| Core capital (leverage) ratio | 8.4896% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2889% | 2,377 |
| Memoranda: | ||
| Average total assets | $1,011,699,000 | 965 |
| Average earning assets | $972,423,000 | 933 |
| Average equity | $83,608,667 | 1,116 |
| Average total loans | $601,997,000 | 1,022 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9014% | 3,533 |
| Cost of funding earning assets | 0.0993% | 4,139 |
| Net interest margin | 2.8021% | 3,134 |
| Noninterest income to average assets | 0.5102% | 2,097 |
| Noninterest expense to average assets | 2.1929% | 2,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7238% | 2,967 |
| Return on assets (ROA) | 0.6952% | 3,064 |
| Pretax return on assets | 0.9708% | 2,537 |
| Return on Equity (ROE) | 8.3752% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.3752% | 1,460 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5321% | 2,441 |
| Assets per employee ($millions) | 10.9856% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 2,109 |
| Loan loss allowance to noncurrent loans | 522.9625% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 2,415 |
| Noncurrent loans to loans | 0.2584% | 2,553 |
| Net loans and leases to total assets | 55.3890% | 2,590 |
| Net loans and leases to deposits | 61.4697% | 2,763 |
| Net loans and leases to core deposits | 62.6887% | 2,916 |
| Total domestic deposits to total assets | 90.1078% | 1,499 |
| Equity capital to assets | 7.7818% | 3,741 |
| Core capital (leverage) ratio | 8.1816% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4482% | 2,429 |
| Memoranda: | ||
| Average total assets | $1,007,440,500 | 974 |
| Average earning assets | $966,983,500 | 945 |
| Average equity | $83,627,500 | 1,150 |
| Average total loans | $597,199,500 | 1,023 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 2,638 |
| Cost of funding earning assets | 0.1794% | 3,666 |
| Net interest margin | 3.3279% | 2,243 |
| Noninterest income to average assets | 0.8351% | 1,360 |
| Noninterest expense to average assets | 2.4341% | 2,378 |
| Loan and lease loss provision to assets | 0.0052% | 2,976 |
| Net operating income to assets | 1.1308% | 2,170 |
| Return on assets (ROA) | 1.1284% | 2,234 |
| Pretax return on assets | 1.5812% | 1,480 |
| Return on Equity (ROE) | 13.3037% | 1,370 |
| Retained earnings to average equity (ytd only) | 10.5239% | 801 |
| Net charge-offs to loans | -0.1277% | 4,636 |
| Credit loss provision to net charge-offs | -6.2500% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4969% | 3,082 |
| Assets per employee ($millions) | 9.8884% | 685 |
| Cash dividends to net income (ytd only)* | 20.8952% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,106 |
| Loan loss allowance to noncurrent loans | 399.6540% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 2,158 |
| Noncurrent loans to loans | 0.3394% | 2,362 |
| Net loans and leases to total assets | 61.9420% | 1,948 |
| Net loans and leases to deposits | 69.1260% | 2,213 |
| Net loans and leases to core deposits | 70.8407% | 2,370 |
| Total domestic deposits to total assets | 89.6074% | 1,167 |
| Equity capital to assets | 8.8838% | 3,735 |
| Core capital (leverage) ratio | 8.1013% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7079% | 2,358 |
| Memoranda: | ||
| Average total assets | $954,301,800 | 992 |
| Average earning assets | $914,332,400 | 972 |
| Average equity | $80,939,600 | 1,200 |
| Average total loans | $626,521,800 | 966 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5081% | 2,811 |
| Cost of funding earning assets | 0.1932% | 3,688 |
| Net interest margin | 3.3150% | 2,372 |
| Noninterest income to average assets | 0.8566% | 1,360 |
| Noninterest expense to average assets | 2.3838% | 2,486 |
| Loan and lease loss provision to assets | 0.0070% | 2,842 |
| Net operating income to assets | 1.1817% | 2,226 |
| Return on assets (ROA) | 1.1800% | 2,289 |
| Pretax return on assets | 1.6440% | 1,571 |
| Return on Equity (ROE) | 14.0785% | 1,366 |
| Retained earnings to average equity (ytd only) | 11.9976% | 837 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0508% | 3,117 |
| Assets per employee ($millions) | 10.7678% | 517 |
| Cash dividends to net income (ytd only)* | 14.7807% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 2,912 |
| Loan loss allowance to noncurrent loans | 262.9015% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 2,094 |
| Noncurrent loans to loans | 0.4627% | 2,172 |
| Net loans and leases to total assets | 59.0802% | 2,364 |
| Net loans and leases to deposits | 66.4417% | 2,588 |
| Net loans and leases to core deposits | 68.2614% | 2,757 |
| Total domestic deposits to total assets | 88.9203% | 1,327 |
| Equity capital to assets | 8.3499% | 4,307 |
| Core capital (leverage) ratio | 8.3665% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0169% | 2,356 |
| Memoranda: | ||
| Average total assets | $955,556,750 | 1,006 |
| Average earning assets | $916,707,250 | 985 |
| Average equity | $80,091,500 | 1,228 |
| Average total loans | $634,130,000 | 972 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 2,750 |
| Cost of funding earning assets | 0.2023% | 3,729 |
| Net interest margin | 3.3549% | 2,285 |
| Noninterest income to average assets | 0.8955% | 1,286 |
| Noninterest expense to average assets | 2.4957% | 2,157 |
| Loan and lease loss provision to assets | 0.0106% | 2,724 |
| Net operating income to assets | 1.1545% | 2,350 |
| Return on assets (ROA) | 1.1526% | 2,417 |
| Pretax return on assets | 1.6072% | 1,716 |
| Return on Equity (ROE) | 13.7335% | 1,499 |
| Retained earnings to average equity (ytd only) | 12.4663% | 815 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6357% | 2,923 |
| Assets per employee ($millions) | 10.1041% | 589 |
| Cash dividends to net income (ytd only)* | 9.2268% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 3,239 |
| Loan loss allowance to noncurrent loans | 229.4488% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 2,274 |
| Noncurrent loans to loans | 0.4976% | 2,184 |
| Net loans and leases to total assets | 65.7168% | 1,719 |
| Net loans and leases to deposits | 73.9937% | 2,000 |
| Net loans and leases to core deposits | 76.1007% | 2,230 |
| Total domestic deposits to total assets | 88.8140% | 1,378 |
| Equity capital to assets | 8.4674% | 4,228 |
| Core capital (leverage) ratio | 8.3165% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6284% | 2,506 |
| Memoranda: | ||
| Average total assets | $940,274,333 | 1,014 |
| Average earning assets | $902,573,000 | 992 |
| Average equity | $78,916,667 | 1,236 |
| Average total loans | $645,868,000 | 957 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6246% | 2,561 |
| Cost of funding earning assets | 0.2177% | 3,746 |
| Net interest margin | 3.4069% | 2,089 |
| Noninterest income to average assets | 0.8473% | 1,471 |
| Noninterest expense to average assets | 2.5574% | 1,998 |
| Loan and lease loss provision to assets | 0.0215% | 2,499 |
| Net operating income to assets | 1.1167% | 2,421 |
| Return on assets (ROA) | 1.1113% | 2,518 |
| Pretax return on assets | 1.5446% | 1,870 |
| Return on Equity (ROE) | 13.3014% | 1,594 |
| Retained earnings to average equity (ytd only) | 13.3014% | 860 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9172% | 2,772 |
| Assets per employee ($millions) | 10.0186% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,563 |
| Loan loss allowance to noncurrent loans | 193.3386% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 2,250 |
| Noncurrent loans to loans | 0.5542% | 2,198 |
| Net loans and leases to total assets | 69.2182% | 1,390 |
| Net loans and leases to deposits | 77.2084% | 1,782 |
| Net loans and leases to core deposits | 80.7866% | 1,934 |
| Total domestic deposits to total assets | 89.6512% | 994 |
| Equity capital to assets | 8.1239% | 4,413 |
| Core capital (leverage) ratio | 8.2942% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9220% | 2,315 |
| Memoranda: | ||
| Average total assets | $930,466,000 | 1,010 |
| Average earning assets | $896,660,500 | 982 |
| Average equity | $77,736,000 | 1,242 |
| Average total loans | $649,754,500 | 949 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 2,661 |
| Cost of funding earning assets | 0.4501% | 3,278 |
| Net interest margin | 3.5709% | 2,243 |
| Noninterest income to average assets | 1.2856% | 688 |
| Noninterest expense to average assets | 3.0383% | 1,354 |
| Loan and lease loss provision to assets | 0.1133% | 2,930 |
| Net operating income to assets | 1.1640% | 1,670 |
| Return on assets (ROA) | 1.1636% | 1,786 |
| Pretax return on assets | 1.6218% | 1,023 |
| Return on Equity (ROE) | 13.8201% | 856 |
| Retained earnings to average equity (ytd only) | 13.8201% | 198 |
| Net charge-offs to loans | 0.1241% | 1,260 |
| Credit loss provision to net charge-offs | 121.4575% | 2,623 |
| Earnings coverage of net charge-offs (x) | 18.6019% | 2,016 |
| Efficiency ratio | 63.6431% | 2,874 |
| Assets per employee ($millions) | 9.0727% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 3,119 |
| Loan loss allowance to noncurrent loans | 144.6711% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 1,878 |
| Noncurrent loans to loans | 0.8072% | 1,734 |
| Net loans and leases to total assets | 68.8679% | 1,711 |
| Net loans and leases to deposits | 76.8787% | 2,186 |
| Net loans and leases to core deposits | 81.1685% | 2,261 |
| Total domestic deposits to total assets | 89.5800% | 737 |
| Equity capital to assets | 8.6066% | 4,369 |
| Core capital (leverage) ratio | 8.2151% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9781% | 2,243 |
| Memoranda: | ||
| Average total assets | $794,155,600 | 1,063 |
| Average earning assets | $775,795,800 | 1,015 |
| Average equity | $66,866,600 | 1,346 |
| Average total loans | $597,266,400 | 983 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,043 |
| Cost of funding earning assets | 0.5189% | 3,118 |
| Net interest margin | 3.4571% | 2,735 |
| Noninterest income to average assets | 1.2656% | 682 |
| Noninterest expense to average assets | 2.9886% | 1,465 |
| Loan and lease loss provision to assets | 0.0432% | 3,814 |
| Net operating income to assets | 1.1621% | 1,774 |
| Return on assets (ROA) | 1.1619% | 1,894 |
| Pretax return on assets | 1.6128% | 1,156 |
| Return on Equity (ROE) | 13.8890% | 897 |
| Retained earnings to average equity (ytd only) | 13.8890% | 258 |
| Net charge-offs to loans | -0.0133% | 4,301 |
| Credit loss provision to net charge-offs | -423.7288% | 3,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3429% | 2,681 |
| Assets per employee ($millions) | 9.9305% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 3,323 |
| Loan loss allowance to noncurrent loans | 202.1073% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 2,556 |
| Noncurrent loans to loans | 0.5328% | 2,469 |
| Net loans and leases to total assets | 75.0784% | 1,230 |
| Net loans and leases to deposits | 83.5460% | 1,955 |
| Net loans and leases to core deposits | 88.9731% | 2,065 |
| Total domestic deposits to total assets | 89.8648% | 473 |
| Equity capital to assets | 8.1817% | 4,642 |
| Core capital (leverage) ratio | 8.2972% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2662% | 2,079 |
| Memoranda: | ||
| Average total assets | $770,413,750 | 1,077 |
| Average earning assets | $753,060,250 | 1,025 |
| Average equity | $64,452,500 | 1,366 |
| Average total loans | $591,694,250 | 987 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,599 |
| Cost of funding earning assets | 0.5900% | 3,017 |
| Net interest margin | 3.6632% | 2,286 |
| Noninterest income to average assets | 1.2433% | 653 |
| Noninterest expense to average assets | 3.0367% | 1,492 |
| Loan and lease loss provision to assets | 0.0275% | 3,908 |
| Net operating income to assets | 1.2665% | 1,449 |
| Return on assets (ROA) | 1.2719% | 1,551 |
| Pretax return on assets | 1.7661% | 870 |
| Return on Equity (ROE) | 15.0658% | 697 |
| Retained earnings to average equity (ytd only) | 15.0658% | 218 |
| Net charge-offs to loans | -0.0211% | 4,418 |
| Credit loss provision to net charge-offs | -169.4915% | 3,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9562% | 2,963 |
| Assets per employee ($millions) | 9.0758% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,376 |
| Loan loss allowance to noncurrent loans | 195.4349% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 2,590 |
| Noncurrent loans to loans | 0.5309% | 2,574 |
| Net loans and leases to total assets | 80.0287% | 592 |
| Net loans and leases to deposits | 89.2014% | 1,427 |
| Net loans and leases to core deposits | 96.3809% | 1,550 |
| Total domestic deposits to total assets | 89.7169% | 485 |
| Equity capital to assets | 8.3169% | 4,579 |
| Core capital (leverage) ratio | 8.4317% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6537% | 2,333 |
| Memoranda: | ||
| Average total assets | $725,993,333 | 1,108 |
| Average earning assets | $709,551,000 | 1,060 |
| Average equity | $61,291,333 | 1,402 |
| Average total loans | $560,309,000 | 1,022 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 3,165 |
| Cost of funding earning assets | 0.7542% | 2,646 |
| Net interest margin | 3.4625% | 3,107 |
| Noninterest income to average assets | 0.8640% | 1,136 |
| Noninterest expense to average assets | 3.0935% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8320% | 2,789 |
| Return on assets (ROA) | 0.8421% | 2,835 |
| Pretax return on assets | 1.1637% | 2,327 |
| Return on Equity (ROE) | 9.8782% | 1,790 |
| Retained earnings to average equity (ytd only) | 9.8782% | 768 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8835% | 1,950 |
| Assets per employee ($millions) | 7.3597% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,748 |
| Loan loss allowance to noncurrent loans | 184.5111% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 2,315 |
| Noncurrent loans to loans | 0.7509% | 2,125 |
| Net loans and leases to total assets | 73.5791% | 1,682 |
| Net loans and leases to deposits | 81.6191% | 2,506 |
| Net loans and leases to core deposits | 90.0192% | 2,342 |
| Total domestic deposits to total assets | 90.1494% | 278 |
| Equity capital to assets | 8.2314% | 4,922 |
| Core capital (leverage) ratio | 8.3798% | 4,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9060% | 3,342 |
| Memoranda: | ||
| Average total assets | $657,891,000 | 1,177 |
| Average earning assets | $642,311,000 | 1,122 |
| Average equity | $56,083,000 | 1,497 |
| Average total loans | $491,843,000 | 1,107 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 3,241 |
| Cost of funding earning assets | 0.7371% | 2,986 |
| Net interest margin | 3.6653% | 2,918 |
| Noninterest income to average assets | 0.8815% | 1,217 |
| Noninterest expense to average assets | 3.1069% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9760% | 2,924 |
| Return on assets (ROA) | 0.9760% | 3,006 |
| Pretax return on assets | 1.3422% | 2,355 |
| Return on Equity (ROE) | 10.6404% | 2,029 |
| Retained earnings to average equity (ytd only) | 1.1835% | 4,320 |
| Net charge-offs to loans | -0.0193% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8321% | 2,196 |
| Assets per employee ($millions) | 7.0147% | 1,033 |
| Cash dividends to net income (ytd only)* | 88.8776% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 1,241 |
| Loan loss allowance to noncurrent loans | 180.8793% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,032 |
| Noncurrent loans to loans | 0.8271% | 1,856 |
| Net loans and leases to total assets | 73.7998% | 1,788 |
| Net loans and leases to deposits | 82.1950% | 2,537 |
| Net loans and leases to core deposits | 88.8989% | 2,524 |
| Total domestic deposits to total assets | 89.7863% | 400 |
| Equity capital to assets | 8.8426% | 4,768 |
| Core capital (leverage) ratio | 8.4806% | 4,852 |
| Tier 1 risk-based capital ratio | 9.9451% | 5,128 |
| Total risk-based capital ratio | 11.1954% | 5,090 |
| Memoranda: | ||
| Average total assets | $605,209,200 | 1,214 |
| Average earning assets | $589,059,400 | 1,178 |
| Average equity | $55,515,000 | 1,460 |
| Average total loans | $444,835,000 | 1,170 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 3,334 |
| Cost of funding earning assets | 0.7127% | 3,147 |
| Net interest margin | 3.6937% | 2,941 |
| Noninterest income to average assets | 0.8643% | 1,228 |
| Noninterest expense to average assets | 3.1362% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9588% | 3,130 |
| Return on assets (ROA) | 0.9588% | 3,208 |
| Pretax return on assets | 1.3200% | 2,599 |
| Return on Equity (ROE) | 10.3538% | 2,269 |
| Retained earnings to average equity (ytd only) | -2.2728% | 4,946 |
| Net charge-offs to loans | -0.0262% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3783% | 2,064 |
| Assets per employee ($millions) | 7.1609% | 965 |
| Cash dividends to net income (ytd only)* | 121.9512% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 1,087 |
| Loan loss allowance to noncurrent loans | 175.0619% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 2,103 |
| Noncurrent loans to loans | 0.8914% | 1,796 |
| Net loans and leases to total assets | 70.0372% | 2,471 |
| Net loans and leases to deposits | 77.8659% | 3,105 |
| Net loans and leases to core deposits | 83.6918% | 3,122 |
| Total domestic deposits to total assets | 89.9460% | 301 |
| Equity capital to assets | 8.4674% | 5,018 |
| Core capital (leverage) ratio | 8.4266% | 4,974 |
| Tier 1 risk-based capital ratio | 10.1524% | 5,163 |
| Total risk-based capital ratio | 11.4035% | 5,090 |
| Memoranda: | ||
| Average total assets | $598,679,750 | 1,227 |
| Average earning assets | $582,165,250 | 1,189 |
| Average equity | $55,437,250 | 1,458 |
| Average total loans | $437,795,250 | 1,193 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 3,340 |
| Cost of funding earning assets | 0.6673% | 3,324 |
| Net interest margin | 3.7299% | 2,832 |
| Noninterest income to average assets | 0.8467% | 1,215 |
| Noninterest expense to average assets | 2.9594% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0990% | 2,526 |
| Return on assets (ROA) | 1.0990% | 2,593 |
| Pretax return on assets | 1.5114% | 1,819 |
| Return on Equity (ROE) | 11.5112% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.6172% | 617 |
| Net charge-offs to loans | -0.0398% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1932% | 2,785 |
| Assets per employee ($millions) | 6.9641% | 1,012 |
| Cash dividends to net income (ytd only)* | 7.7664% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,134 |
| Loan loss allowance to noncurrent loans | 211.9832% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 2,359 |
| Noncurrent loans to loans | 0.7320% | 2,157 |
| Net loans and leases to total assets | 74.0933% | 1,874 |
| Net loans and leases to deposits | 82.9934% | 2,614 |
| Net loans and leases to core deposits | 88.2598% | 2,774 |
| Total domestic deposits to total assets | 89.2760% | 553 |
| Equity capital to assets | 9.5481% | 4,362 |
| Core capital (leverage) ratio | 9.7244% | 3,906 |
| Tier 1 risk-based capital ratio | 10.8736% | 4,967 |
| Total risk-based capital ratio | 12.1248% | 4,882 |
| Memoranda: | ||
| Average total assets | $585,800,330 | 1,250 |
| Average earning assets | $569,188,670 | 1,206 |
| Average equity | $55,928,330 | 1,435 |
| Average total loans | $432,581,670 | 1,201 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 3,380 |
| Cost of funding earning assets | 0.6537% | 3,304 |
| Net interest margin | 3.7052% | 2,874 |
| Noninterest income to average assets | 0.8052% | 1,288 |
| Noninterest expense to average assets | 2.8352% | 2,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1366% | 2,322 |
| Return on assets (ROA) | 1.1366% | 2,370 |
| Pretax return on assets | 1.5611% | 1,568 |
| Return on Equity (ROE) | 11.9052% | 1,570 |
| Retained earnings to average equity (ytd only) | 11.9052% | 625 |
| Net charge-offs to loans | 0.0048% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 449.4000% | 174 |
| Efficiency ratio | 64.4912% | 3,164 |
| Assets per employee ($millions) | 7.0261% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 930 |
| Loan loss allowance to noncurrent loans | 218.6228% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 2,454 |
| Noncurrent loans to loans | 0.7608% | 2,126 |
| Net loans and leases to total assets | 70.8143% | 2,359 |
| Net loans and leases to deposits | 79.3623% | 2,911 |
| Net loans and leases to core deposits | 84.2575% | 3,001 |
| Total domestic deposits to total assets | 89.2292% | 754 |
| Equity capital to assets | 9.5965% | 4,166 |
| Core capital (leverage) ratio | 9.6526% | 3,968 |
| Tier 1 risk-based capital ratio | 11.2495% | 4,864 |
| Total risk-based capital ratio | 12.5014% | 4,775 |
| Memoranda: | ||
| Average total assets | $575,762,000 | 1,268 |
| Average earning assets | $558,028,500 | 1,227 |
| Average equity | $54,967,500 | 1,451 |
| Average total loans | $420,877,500 | 1,232 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 3,291 |
| Cost of funding earning assets | 0.4521% | 3,668 |
| Net interest margin | 3.7940% | 2,679 |
| Noninterest income to average assets | 0.7905% | 1,483 |
| Noninterest expense to average assets | 2.8201% | 2,620 |
| Loan and lease loss provision to assets | -0.0724% | 5,234 |
| Net operating income to assets | 1.2691% | 1,921 |
| Return on assets (ROA) | 1.2691% | 1,916 |
| Pretax return on assets | 1.7427% | 1,063 |
| Return on Equity (ROE) | 12.7280% | 1,455 |
| Retained earnings to average equity (ytd only) | -1.7996% | 5,119 |
| Net charge-offs to loans | -0.2311% | 5,285 |
| Credit loss provision to net charge-offs | 42.8725% | 3,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8024% | 3,383 |
| Assets per employee ($millions) | 7.1944% | 903 |
| Cash dividends to net income (ytd only)* | 114.1390% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 910 |
| Loan loss allowance to noncurrent loans | 236.0689% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 2,212 |
| Noncurrent loans to loans | 0.7020% | 2,236 |
| Net loans and leases to total assets | 72.9848% | 2,103 |
| Net loans and leases to deposits | 81.6106% | 2,782 |
| Net loans and leases to core deposits | 85.3909% | 2,965 |
| Total domestic deposits to total assets | 89.4305% | 690 |
| Equity capital to assets | 9.4960% | 4,138 |
| Core capital (leverage) ratio | 9.5710% | 4,038 |
| Tier 1 risk-based capital ratio | 10.8840% | 5,026 |
| Total risk-based capital ratio | 12.1359% | 4,915 |
| Memoranda: | ||
| Average total assets | $552,294,600 | 1,286 |
| Average earning assets | $538,591,600 | 1,233 |
| Average equity | $55,067,600 | 1,414 |
| Average total loans | $403,740,400 | 1,250 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 3,249 |
| Cost of funding earning assets | 0.4073% | 3,808 |
| Net interest margin | 3.8132% | 2,596 |
| Noninterest income to average assets | 0.8044% | 1,461 |
| Noninterest expense to average assets | 2.8087% | 2,608 |
| Loan and lease loss provision to assets | -0.0973% | 5,345 |
| Net operating income to assets | 1.3166% | 1,792 |
| Return on assets (ROA) | 1.3166% | 1,797 |
| Pretax return on assets | 1.8151% | 981 |
| Return on Equity (ROE) | 13.0435% | 1,420 |
| Retained earnings to average equity (ytd only) | -6.2302% | 5,336 |
| Net charge-offs to loans | -0.3116% | 5,364 |
| Credit loss provision to net charge-offs | 42.8725% | 2,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0501% | 3,503 |
| Assets per employee ($millions) | 7.2094% | 866 |
| Cash dividends to net income (ytd only)* | 147.7650% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 885 |
| Loan loss allowance to noncurrent loans | 230.5079% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 2,205 |
| Noncurrent loans to loans | 0.7348% | 2,241 |
| Net loans and leases to total assets | 72.1370% | 2,312 |
| Net loans and leases to deposits | 80.6996% | 2,962 |
| Net loans and leases to core deposits | 83.9589% | 3,158 |
| Total domestic deposits to total assets | 89.3896% | 707 |
| Equity capital to assets | 9.2507% | 4,320 |
| Core capital (leverage) ratio | 9.4019% | 4,277 |
| Tier 1 risk-based capital ratio | 10.9022% | 5,079 |
| Total risk-based capital ratio | 12.1546% | 4,982 |
| Memoranda: | ||
| Average total assets | $548,279,750 | 1,294 |
| Average earning assets | $535,177,000 | 1,242 |
| Average equity | $55,341,750 | 1,416 |
| Average total loans | $399,225,000 | 1,261 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 3,562 |
| Cost of funding earning assets | 0.3396% | 4,135 |
| Net interest margin | 3.7251% | 2,841 |
| Noninterest income to average assets | 0.8407% | 1,347 |
| Noninterest expense to average assets | 2.8702% | 2,434 |
| Loan and lease loss provision to assets | -0.1472% | 5,451 |
| Net operating income to assets | 1.2726% | 1,886 |
| Return on assets (ROA) | 1.2726% | 1,890 |
| Pretax return on assets | 1.7539% | 1,090 |
| Return on Equity (ROE) | 12.2553% | 1,638 |
| Retained earnings to average equity (ytd only) | 12.2553% | 482 |
| Net charge-offs to loans | -0.2878% | 5,381 |
| Credit loss provision to net charge-offs | 70.4225% | 2,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1108% | 3,301 |
| Assets per employee ($millions) | 7.2168% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 1,122 |
| Loan loss allowance to noncurrent loans | 216.8576% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 2,191 |
| Noncurrent loans to loans | 0.7361% | 2,269 |
| Net loans and leases to total assets | 73.4893% | 2,034 |
| Net loans and leases to deposits | 83.0651% | 2,642 |
| Net loans and leases to core deposits | 86.8245% | 2,838 |
| Total domestic deposits to total assets | 88.4719% | 1,155 |
| Equity capital to assets | 10.4725% | 3,151 |
| Core capital (leverage) ratio | 10.6165% | 2,906 |
| Tier 1 risk-based capital ratio | 12.2734% | 4,332 |
| Total risk-based capital ratio | 13.5250% | 4,199 |
| Memoranda: | ||
| Average total assets | $543,595,000 | 1,305 |
| Average earning assets | $530,620,330 | 1,256 |
| Average equity | $56,449,000 | 1,391 |
| Average total loans | $394,753,330 | 1,271 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 3,893 |
| Cost of funding earning assets | 0.3092% | 4,276 |
| Net interest margin | 3.6036% | 3,164 |
| Noninterest income to average assets | 0.8446% | 1,319 |
| Noninterest expense to average assets | 2.7637% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1765% | 2,106 |
| Return on assets (ROA) | 1.1765% | 2,116 |
| Pretax return on assets | 1.6110% | 1,361 |
| Return on Equity (ROE) | 11.3790% | 1,814 |
| Retained earnings to average equity (ytd only) | 11.3790% | 807 |
| Net charge-offs to loans | -0.0166% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1740% | 3,607 |
| Assets per employee ($millions) | 7.2034% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 1,054 |
| Loan loss allowance to noncurrent loans | 199.8148% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 2,388 |
| Noncurrent loans to loans | 0.8253% | 2,169 |
| Net loans and leases to total assets | 71.4501% | 2,260 |
| Net loans and leases to deposits | 80.5758% | 2,743 |
| Net loans and leases to core deposits | 86.2327% | 2,784 |
| Total domestic deposits to total assets | 88.6744% | 1,271 |
| Equity capital to assets | 10.4177% | 3,159 |
| Core capital (leverage) ratio | 10.5557% | 2,887 |
| Tier 1 risk-based capital ratio | 12.1212% | 4,481 |
| Total risk-based capital ratio | 13.3728% | 4,370 |
| Memoranda: | ||
| Average total assets | $537,546,500 | 1,332 |
| Average earning assets | $526,586,000 | 1,274 |
| Average equity | $55,576,000 | 1,414 |
| Average total loans | $384,630,500 | 1,305 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5940% | 4,587 |
| Cost of funding earning assets | 0.2569% | 4,507 |
| Net interest margin | 3.3371% | 4,049 |
| Noninterest income to average assets | 0.7976% | 1,574 |
| Noninterest expense to average assets | 2.6779% | 3,202 |
| Loan and lease loss provision to assets | -0.1499% | 5,536 |
| Net operating income to assets | 0.8521% | 2,945 |
| Return on assets (ROA) | 0.8521% | 2,968 |
| Pretax return on assets | 1.5305% | 1,521 |
| Return on Equity (ROE) | 7.7507% | 2,921 |
| Retained earnings to average equity (ytd only) | -4.3781% | 5,413 |
| Net charge-offs to loans | 0.0984% | 2,094 |
| Credit loss provision to net charge-offs | -233.2362% | 4,828 |
| Earnings coverage of net charge-offs (x) | 21.4840% | 1,905 |
| Efficiency ratio | 65.9819% | 3,271 |
| Assets per employee ($millions) | 7.2275% | 872 |
| Cash dividends to net income (ytd only)* | 156.4864% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 921 |
| Loan loss allowance to noncurrent loans | 201.3096% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,396 |
| Noncurrent loans to loans | 0.8512% | 2,091 |
| Net loans and leases to total assets | 69.2397% | 2,639 |
| Net loans and leases to deposits | 78.4548% | 3,068 |
| Net loans and leases to core deposits | 81.5412% | 3,282 |
| Total domestic deposits to total assets | 88.2542% | 1,371 |
| Equity capital to assets | 10.2592% | 3,422 |
| Core capital (leverage) ratio | 10.0901% | 3,339 |
| Tier 1 risk-based capital ratio | 12.3515% | 4,292 |
| Total risk-based capital ratio | 13.6039% | 4,204 |
| Memoranda: | ||
| Average total assets | $533,740,800 | 1,320 |
| Average earning assets | $521,566,000 | 1,255 |
| Average equity | $58,678,400 | 1,338 |
| Average total loans | $348,746,400 | 1,380 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5339% | 4,734 |
| Cost of funding earning assets | 0.2465% | 4,595 |
| Net interest margin | 3.2874% | 4,207 |
| Noninterest income to average assets | 0.8095% | 1,550 |
| Noninterest expense to average assets | 2.6355% | 3,297 |
| Loan and lease loss provision to assets | -0.1250% | 5,615 |
| Net operating income to assets | 0.9605% | 2,726 |
| Return on assets (ROA) | 0.9605% | 2,779 |
| Pretax return on assets | 1.5088% | 1,743 |
| Return on Equity (ROE) | 8.5927% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.1455% | 1,166 |
| Net charge-offs to loans | -0.1389% | 5,461 |
| Credit loss provision to net charge-offs | 140.4494% | 1,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5702% | 3,283 |
| Assets per employee ($millions) | 7.2930% | 827 |
| Cash dividends to net income (ytd only)* | 5.2043% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1452% | 445 |
| Loan loss allowance to noncurrent loans | 236.4415% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 2,624 |
| Noncurrent loans to loans | 0.9073% | 2,116 |
| Net loans and leases to total assets | 63.0106% | 3,550 |
| Net loans and leases to deposits | 72.1962% | 3,750 |
| Net loans and leases to core deposits | 74.2528% | 3,955 |
| Total domestic deposits to total assets | 87.2770% | 1,741 |
| Equity capital to assets | 11.4477% | 2,424 |
| Core capital (leverage) ratio | 11.3560% | 2,135 |
| Tier 1 risk-based capital ratio | 14.6140% | 3,122 |
| Total risk-based capital ratio | 15.8704% | 3,038 |
| Memoranda: | ||
| Average total assets | $533,466,500 | 1,329 |
| Average earning assets | $520,877,750 | 1,266 |
| Average equity | $59,630,500 | 1,328 |
| Average total loans | $341,739,000 | 1,411 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4705% | 4,835 |
| Cost of funding earning assets | 0.2280% | 4,736 |
| Net interest margin | 3.2426% | 4,286 |
| Noninterest income to average assets | 0.8107% | 1,534 |
| Noninterest expense to average assets | 2.6406% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8664% | 3,092 |
| Return on assets (ROA) | 0.8664% | 3,147 |
| Pretax return on assets | 1.3395% | 2,243 |
| Return on Equity (ROE) | 7.8148% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.8148% | 1,232 |
| Net charge-offs to loans | -0.0865% | 5,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3452% | 3,294 |
| Assets per employee ($millions) | 7.1230% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2366% | 408 |
| Loan loss allowance to noncurrent loans | 242.5172% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 2,598 |
| Noncurrent loans to loans | 0.9223% | 2,126 |
| Net loans and leases to total assets | 63.3779% | 3,472 |
| Net loans and leases to deposits | 72.0720% | 3,730 |
| Net loans and leases to core deposits | 74.3328% | 3,913 |
| Total domestic deposits to total assets | 87.9369% | 1,486 |
| Equity capital to assets | 11.3142% | 2,483 |
| Core capital (leverage) ratio | 11.2274% | 2,202 |
| Tier 1 risk-based capital ratio | 14.5492% | 3,137 |
| Total risk-based capital ratio | 15.8070% | 3,053 |
| Memoranda: | ||
| Average total assets | $531,394,670 | 1,342 |
| Average earning assets | $519,405,330 | 1,279 |
| Average equity | $58,913,670 | 1,340 |
| Average total loans | $339,814,670 | 1,418 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4115% | 4,905 |
| Cost of funding earning assets | 0.2250% | 4,754 |
| Net interest margin | 3.1866% | 4,383 |
| Noninterest income to average assets | 0.7932% | 1,580 |
| Noninterest expense to average assets | 2.6793% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7955% | 3,240 |
| Return on assets (ROA) | 0.7955% | 3,295 |
| Pretax return on assets | 1.2250% | 2,493 |
| Return on Equity (ROE) | 7.2503% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.2503% | 1,769 |
| Net charge-offs to loans | -0.1188% | 5,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6256% | 3,108 |
| Assets per employee ($millions) | 7.2682% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2406% | 446 |
| Loan loss allowance to noncurrent loans | 205.4444% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 2,195 |
| Noncurrent loans to loans | 1.0906% | 1,878 |
| Net loans and leases to total assets | 63.3037% | 3,360 |
| Net loans and leases to deposits | 72.0331% | 3,609 |
| Net loans and leases to core deposits | 73.9127% | 3,843 |
| Total domestic deposits to total assets | 87.8814% | 1,784 |
| Equity capital to assets | 11.0893% | 2,543 |
| Core capital (leverage) ratio | 11.2563% | 2,141 |
| Tier 1 risk-based capital ratio | 14.4254% | 3,242 |
| Total risk-based capital ratio | 15.6831% | 3,162 |
| Memoranda: | ||
| Average total assets | $529,980,000 | 1,348 |
| Average earning assets | $517,421,500 | 1,275 |
| Average equity | $58,149,000 | 1,351 |
| Average total loans | $336,559,000 | 1,433 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3991% | 4,982 |
| Cost of funding earning assets | 0.2401% | 4,652 |
| Net interest margin | 3.1591% | 4,567 |
| Noninterest income to average assets | 0.9602% | 1,238 |
| Noninterest expense to average assets | 2.6480% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8809% | 2,926 |
| Return on assets (ROA) | 0.8814% | 3,038 |
| Pretax return on assets | 1.3750% | 2,031 |
| Return on Equity (ROE) | 7.9215% | 2,984 |
| Retained earnings to average equity (ytd only) | 3.3119% | 3,558 |
| Net charge-offs to loans | -0.0253% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8343% | 3,615 |
| Assets per employee ($millions) | 7.4560% | 745 |
| Cash dividends to net income (ytd only)* | 58.1911% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3059% | 394 |
| Loan loss allowance to noncurrent loans | 197.9937% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 2,195 |
| Noncurrent loans to loans | 1.1646% | 1,762 |
| Net loans and leases to total assets | 60.8153% | 3,759 |
| Net loans and leases to deposits | 69.1135% | 3,997 |
| Net loans and leases to core deposits | 70.6854% | 4,183 |
| Total domestic deposits to total assets | 87.9935% | 1,633 |
| Equity capital to assets | 10.8542% | 2,757 |
| Core capital (leverage) ratio | 10.8429% | 2,495 |
| Tier 1 risk-based capital ratio | 14.6023% | 3,151 |
| Total risk-based capital ratio | 15.8605% | 3,081 |
| Memoranda: | ||
| Average total assets | $511,778,400 | 1,339 |
| Average earning assets | $496,066,400 | 1,283 |
| Average equity | $56,946,400 | 1,348 |
| Average total loans | $319,778,600 | 1,450 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3915% | 5,043 |
| Cost of funding earning assets | 0.2418% | 4,682 |
| Net interest margin | 3.1497% | 4,637 |
| Noninterest income to average assets | 1.0114% | 1,126 |
| Noninterest expense to average assets | 2.6988% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8728% | 3,042 |
| Return on assets (ROA) | 0.8735% | 3,163 |
| Pretax return on assets | 1.3638% | 2,181 |
| Return on Equity (ROE) | 7.8002% | 3,119 |
| Retained earnings to average equity (ytd only) | 1.6403% | 4,852 |
| Net charge-offs to loans | -0.0160% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4467% | 3,511 |
| Assets per employee ($millions) | 7.4212% | 744 |
| Cash dividends to net income (ytd only)* | 78.9710% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2587% | 465 |
| Loan loss allowance to noncurrent loans | 197.4647% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8966% | 2,317 |
| Noncurrent loans to loans | 1.1439% | 1,965 |
| Net loans and leases to total assets | 63.8449% | 3,423 |
| Net loans and leases to deposits | 72.8168% | 3,722 |
| Net loans and leases to core deposits | 74.7568% | 3,944 |
| Total domestic deposits to total assets | 87.6788% | 1,570 |
| Equity capital to assets | 11.2471% | 2,748 |
| Core capital (leverage) ratio | 11.0779% | 2,373 |
| Tier 1 risk-based capital ratio | 14.2429% | 3,436 |
| Total risk-based capital ratio | 15.5010% | 3,356 |
| Memoranda: | ||
| Average total assets | $507,378,500 | 1,356 |
| Average earning assets | $491,331,750 | 1,298 |
| Average equity | $56,818,000 | 1,362 |
| Average total loans | $317,337,750 | 1,463 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 5,120 |
| Cost of funding earning assets | 0.2430% | 4,728 |
| Net interest margin | 3.1391% | 4,720 |
| Noninterest income to average assets | 1.0035% | 1,106 |
| Noninterest expense to average assets | 2.7041% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8503% | 3,094 |
| Return on assets (ROA) | 0.8513% | 3,212 |
| Pretax return on assets | 1.3305% | 2,286 |
| Return on Equity (ROE) | 7.6132% | 3,196 |
| Retained earnings to average equity (ytd only) | -0.7850% | 5,411 |
| Net charge-offs to loans | -0.0244% | 5,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0490% | 3,528 |
| Assets per employee ($millions) | 7.5369% | 688 |
| Cash dividends to net income (ytd only)* | 110.3112% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4217% | 396 |
| Loan loss allowance to noncurrent loans | 152.1958% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 2,023 |
| Noncurrent loans to loans | 1.5911% | 1,350 |
| Net loans and leases to total assets | 60.2847% | 3,852 |
| Net loans and leases to deposits | 69.0997% | 4,073 |
| Net loans and leases to core deposits | 70.9780% | 4,251 |
| Total domestic deposits to total assets | 87.2431% | 1,783 |
| Equity capital to assets | 11.2828% | 2,759 |
| Core capital (leverage) ratio | 11.0720% | 2,361 |
| Tier 1 risk-based capital ratio | 14.5856% | 3,268 |
| Total risk-based capital ratio | 15.8444% | 3,199 |
| Memoranda: | ||
| Average total assets | $505,818,000 | 1,368 |
| Average earning assets | $488,164,000 | 1,307 |
| Average equity | $56,560,000 | 1,368 |
| Average total loans | $311,624,000 | 1,482 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3958% | 5,140 |
| Cost of funding earning assets | 0.2484% | 4,725 |
| Net interest margin | 3.1474% | 4,736 |
| Noninterest income to average assets | 0.9197% | 1,269 |
| Noninterest expense to average assets | 2.6312% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8355% | 3,059 |
| Return on assets (ROA) | 0.8375% | 3,180 |
| Pretax return on assets | 1.3148% | 2,242 |
| Return on Equity (ROE) | 7.5241% | 3,175 |
| Retained earnings to average equity (ytd only) | -1.3487% | 5,318 |
| Net charge-offs to loans | -0.0193% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7335% | 3,679 |
| Assets per employee ($millions) | 7.1904% | 818 |
| Cash dividends to net income (ytd only)* | 117.9245% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4403% | 418 |
| Loan loss allowance to noncurrent loans | 130.0138% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 1,788 |
| Noncurrent loans to loans | 1.8769% | 1,177 |
| Net loans and leases to total assets | 59.8341% | 3,798 |
| Net loans and leases to deposits | 69.0004% | 3,953 |
| Net loans and leases to core deposits | 70.9381% | 4,164 |
| Total domestic deposits to total assets | 86.7156% | 2,350 |
| Equity capital to assets | 11.2165% | 2,716 |
| Core capital (leverage) ratio | 11.1037% | 2,307 |
| Tier 1 risk-based capital ratio | 14.8283% | 3,231 |
| Total risk-based capital ratio | 16.0877% | 3,166 |
| Memoranda: | ||
| Average total assets | $506,240,000 | 1,365 |
| Average earning assets | $486,241,000 | 1,310 |
| Average equity | $56,352,500 | 1,368 |
| Average total loans | $311,447,500 | 1,474 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5016% | 4,915 |
| Cost of funding earning assets | 0.2636% | 4,658 |
| Net interest margin | 3.2379% | 4,510 |
| Noninterest income to average assets | 1.0103% | 1,157 |
| Noninterest expense to average assets | 2.6214% | 3,846 |
| Loan and lease loss provision to assets | 0.0373% | 3,603 |
| Net operating income to assets | 0.9091% | 2,817 |
| Return on assets (ROA) | 0.9091% | 2,901 |
| Pretax return on assets | 1.4520% | 1,712 |
| Return on Equity (ROE) | 8.0685% | 2,927 |
| Retained earnings to average equity (ytd only) | 7.1495% | 1,214 |
| Net charge-offs to loans | -0.0953% | 5,760 |
| Credit loss provision to net charge-offs | -60.6061% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7701% | 4,317 |
| Assets per employee ($millions) | 7.5993% | 661 |
| Cash dividends to net income (ytd only)* | 11.3895% | 4,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3924% | 459 |
| Loan loss allowance to noncurrent loans | 103.8547% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.4982% | 1,349 |
| Noncurrent loans to loans | 2.3036% | 831 |
| Net loans and leases to total assets | 60.2341% | 3,802 |
| Net loans and leases to deposits | 68.8490% | 4,045 |
| Net loans and leases to core deposits | 70.7796% | 4,237 |
| Total domestic deposits to total assets | 87.4872% | 1,889 |
| Equity capital to assets | 11.0476% | 2,774 |
| Core capital (leverage) ratio | 10.8570% | 2,553 |
| Tier 1 risk-based capital ratio | 14.8751% | 3,230 |
| Total risk-based capital ratio | 16.1344% | 3,164 |
| Memoranda: | ||
| Average total assets | $482,904,200 | 1,396 |
| Average earning assets | $462,395,000 | 1,340 |
| Average equity | $54,409,400 | 1,374 |
| Average total loans | $311,595,400 | 1,420 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 4,917 |
| Cost of funding earning assets | 0.2641% | 4,729 |
| Net interest margin | 3.2651% | 4,470 |
| Noninterest income to average assets | 1.1034% | 989 |
| Noninterest expense to average assets | 2.7016% | 3,556 |
| Loan and lease loss provision to assets | 0.0560% | 3,074 |
| Net operating income to assets | 0.9189% | 2,870 |
| Return on assets (ROA) | 0.9189% | 2,959 |
| Pretax return on assets | 1.4709% | 1,759 |
| Return on Equity (ROE) | 8.1136% | 3,012 |
| Retained earnings to average equity (ytd only) | 6.8779% | 1,745 |
| Net charge-offs to loans | -0.1153% | 5,837 |
| Credit loss provision to net charge-offs | -74.3494% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8909% | 4,270 |
| Assets per employee ($millions) | 7.6616% | 631 |
| Cash dividends to net income (ytd only)* | 15.2300% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3968% | 505 |
| Loan loss allowance to noncurrent loans | 168.9314% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 2,461 |
| Noncurrent loans to loans | 1.4188% | 1,786 |
| Net loans and leases to total assets | 60.4713% | 3,815 |
| Net loans and leases to deposits | 68.9412% | 4,096 |
| Net loans and leases to core deposits | 71.2025% | 4,256 |
| Total domestic deposits to total assets | 87.7142% | 1,698 |
| Equity capital to assets | 10.9713% | 3,060 |
| Core capital (leverage) ratio | 10.7253% | 2,795 |
| Tier 1 risk-based capital ratio | 14.6898% | 3,445 |
| Total risk-based capital ratio | 15.9492% | 3,385 |
| Memoranda: | ||
| Average total assets | $476,342,250 | 1,423 |
| Average earning assets | $455,920,750 | 1,363 |
| Average equity | $53,949,500 | 1,389 |
| Average total loans | $310,944,250 | 1,425 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 4,750 |
| Cost of funding earning assets | 0.2604% | 4,826 |
| Net interest margin | 3.3279% | 4,182 |
| Noninterest income to average assets | 1.2123% | 828 |
| Noninterest expense to average assets | 2.7927% | 3,257 |
| Loan and lease loss provision to assets | 0.0857% | 2,401 |
| Net operating income to assets | 0.9478% | 2,646 |
| Return on assets (ROA) | 0.9478% | 2,762 |
| Pretax return on assets | 1.5166% | 1,597 |
| Return on Equity (ROE) | 8.2747% | 2,904 |
| Retained earnings to average equity (ytd only) | 6.4034% | 2,002 |
| Net charge-offs to loans | -0.1541% | 5,944 |
| Credit loss provision to net charge-offs | -83.6820% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5424% | 4,422 |
| Assets per employee ($millions) | 6.9341% | 850 |
| Cash dividends to net income (ytd only)* | 22.6142% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4300% | 527 |
| Loan loss allowance to noncurrent loans | 196.8413% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.3509% | 1,854 |
| Noncurrent loans to loans | 1.2345% | 2,188 |
| Net loans and leases to total assets | 64.6284% | 3,178 |
| Net loans and leases to deposits | 74.3174% | 3,455 |
| Net loans and leases to core deposits | 77.1463% | 3,650 |
| Total domestic deposits to total assets | 86.9628% | 2,189 |
| Equity capital to assets | 11.6480% | 2,289 |
| Core capital (leverage) ratio | 11.5654% | 1,950 |
| Tier 1 risk-based capital ratio | 14.7812% | 3,485 |
| Total risk-based capital ratio | 16.0413% | 3,409 |
| Memoranda: | ||
| Average total assets | $466,567,670 | 1,455 |
| Average earning assets | $446,220,670 | 1,406 |
| Average equity | $53,440,000 | 1,416 |
| Average total loans | $310,162,000 | 1,431 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,769 |
| Cost of funding earning assets | 0.2638% | 4,865 |
| Net interest margin | 3.3094% | 4,174 |
| Noninterest income to average assets | 1.2653% | 716 |
| Noninterest expense to average assets | 2.8138% | 3,203 |
| Loan and lease loss provision to assets | 0.0941% | 2,113 |
| Net operating income to assets | 0.9162% | 2,673 |
| Return on assets (ROA) | 0.9162% | 2,792 |
| Pretax return on assets | 1.5237% | 1,487 |
| Return on Equity (ROE) | 8.0674% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.0674% | 1,548 |
| Net charge-offs to loans | -0.2839% | 6,131 |
| Credit loss provision to net charge-offs | -49.7738% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4942% | 4,555 |
| Assets per employee ($millions) | 7.2699% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3945% | 619 |
| Loan loss allowance to noncurrent loans | 160.8819% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.6601% | 1,522 |
| Noncurrent loans to loans | 1.4884% | 1,904 |
| Net loans and leases to total assets | 64.5685% | 3,015 |
| Net loans and leases to deposits | 74.4253% | 3,249 |
| Net loans and leases to core deposits | 77.2310% | 3,459 |
| Total domestic deposits to total assets | 86.7562% | 2,523 |
| Equity capital to assets | 11.5788% | 2,395 |
| Core capital (leverage) ratio | 11.3554% | 2,114 |
| Tier 1 risk-based capital ratio | 15.0055% | 3,432 |
| Total risk-based capital ratio | 16.2656% | 3,358 |
| Memoranda: | ||
| Average total assets | $467,559,000 | 1,459 |
| Average earning assets | $447,338,000 | 1,406 |
| Average equity | $53,102,500 | 1,428 |
| Average total loans | $311,377,000 | 1,434 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8137% | 4,449 |
| Cost of funding earning assets | 0.2820% | 4,986 |
| Net interest margin | 3.5316% | 3,678 |
| Noninterest income to average assets | 1.1705% | 880 |
| Noninterest expense to average assets | 2.7361% | 3,732 |
| Loan and lease loss provision to assets | 0.0664% | 3,170 |
| Net operating income to assets | 1.0285% | 2,272 |
| Return on assets (ROA) | 1.0285% | 2,342 |
| Pretax return on assets | 1.7485% | 895 |
| Return on Equity (ROE) | 9.3675% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.3675% | 626 |
| Net charge-offs to loans | 0.3408% | 1,284 |
| Credit loss provision to net charge-offs | 28.3554% | 3,864 |
| Earnings coverage of net charge-offs (x) | 7.7457% | 2,984 |
| Efficiency ratio | 60.1197% | 5,208 |
| Assets per employee ($millions) | 7.2284% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2352% | 786 |
| Loan loss allowance to noncurrent loans | 116.1141% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 2.0494% | 1,228 |
| Noncurrent loans to loans | 1.9250% | 1,459 |
| Net loans and leases to total assets | 65.5374% | 2,973 |
| Net loans and leases to deposits | 75.8796% | 3,212 |
| Net loans and leases to core deposits | 78.7826% | 3,436 |
| Total domestic deposits to total assets | 86.3702% | 2,632 |
| Equity capital to assets | 11.1381% | 2,767 |
| Core capital (leverage) ratio | 11.0682% | 2,343 |
| Tier 1 risk-based capital ratio | 14.5066% | 3,774 |
| Total risk-based capital ratio | 15.7653% | 3,708 |
| Memoranda: | ||
| Average total assets | $451,524,800 | 1,473 |
| Average earning assets | $432,209,000 | 1,419 |
| Average equity | $49,575,600 | 1,458 |
| Average total loans | $310,455,000 | 1,382 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 4,558 |
| Cost of funding earning assets | 0.2853% | 5,044 |
| Net interest margin | 3.5110% | 3,785 |
| Noninterest income to average assets | 1.3039% | 715 |
| Noninterest expense to average assets | 2.7883% | 3,507 |
| Loan and lease loss provision to assets | 0.0671% | 3,007 |
| Net operating income to assets | 1.0874% | 2,085 |
| Return on assets (ROA) | 1.0874% | 2,156 |
| Pretax return on assets | 1.8114% | 875 |
| Return on Equity (ROE) | 9.9411% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.9411% | 725 |
| Net charge-offs to loans | 0.1974% | 1,891 |
| Credit loss provision to net charge-offs | 49.1266% | 3,115 |
| Earnings coverage of net charge-offs (x) | 13.7489% | 2,198 |
| Efficiency ratio | 59.7481% | 5,220 |
| Assets per employee ($millions) | 7.1411% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4079% | 728 |
| Loan loss allowance to noncurrent loans | 119.1744% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 2.3031% | 1,184 |
| Noncurrent loans to loans | 2.0205% | 1,565 |
| Net loans and leases to total assets | 67.0773% | 2,674 |
| Net loans and leases to deposits | 77.3524% | 3,021 |
| Net loans and leases to core deposits | 80.4940% | 3,256 |
| Total domestic deposits to total assets | 86.7164% | 2,469 |
| Equity capital to assets | 11.1688% | 2,795 |
| Core capital (leverage) ratio | 11.3519% | 2,173 |
| Tier 1 risk-based capital ratio | 14.0770% | 4,158 |
| Total risk-based capital ratio | 15.3374% | 4,090 |
| Memoranda: | ||
| Average total assets | $446,944,750 | 1,496 |
| Average earning assets | $428,096,500 | 1,444 |
| Average equity | $48,886,500 | 1,478 |
| Average total loans | $309,327,750 | 1,399 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 4,511 |
| Cost of funding earning assets | 0.2889% | 5,084 |
| Net interest margin | 3.5149% | 3,720 |
| Noninterest income to average assets | 1.3423% | 666 |
| Noninterest expense to average assets | 2.8721% | 3,257 |
| Loan and lease loss provision to assets | 0.0676% | 2,911 |
| Net operating income to assets | 1.0564% | 2,096 |
| Return on assets (ROA) | 1.0564% | 2,174 |
| Pretax return on assets | 1.7701% | 895 |
| Return on Equity (ROE) | 9.7287% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.7287% | 782 |
| Net charge-offs to loans | 0.1878% | 1,907 |
| Credit loss provision to net charge-offs | 51.9031% | 2,769 |
| Earnings coverage of net charge-offs (x) | 14.1038% | 1,933 |
| Efficiency ratio | 60.9803% | 5,146 |
| Assets per employee ($millions) | 6.9260% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4474% | 767 |
| Loan loss allowance to noncurrent loans | 120.3488% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 2.3882% | 1,215 |
| Noncurrent loans to loans | 2.0336% | 1,658 |
| Net loans and leases to total assets | 68.8718% | 2,264 |
| Net loans and leases to deposits | 79.9126% | 2,526 |
| Net loans and leases to core deposits | 83.5062% | 2,789 |
| Total domestic deposits to total assets | 86.1840% | 2,945 |
| Equity capital to assets | 11.2227% | 2,680 |
| Core capital (leverage) ratio | 11.2844% | 2,167 |
| Tier 1 risk-based capital ratio | 13.7312% | 4,427 |
| Total risk-based capital ratio | 14.9920% | 4,368 |
| Memoranda: | ||
| Average total assets | $443,582,670 | 1,509 |
| Average earning assets | $424,988,670 | 1,452 |
| Average equity | $48,167,000 | 1,486 |
| Average total loans | $307,727,670 | 1,406 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 4,758 |
| Cost of funding earning assets | 0.2934% | 5,142 |
| Net interest margin | 3.4311% | 3,980 |
| Noninterest income to average assets | 1.0303% | 1,063 |
| Noninterest expense to average assets | 2.8791% | 3,284 |
| Loan and lease loss provision to assets | 0.0676% | 2,771 |
| Net operating income to assets | 0.8122% | 3,098 |
| Return on assets (ROA) | 0.8122% | 3,166 |
| Pretax return on assets | 1.3620% | 1,878 |
| Return on Equity (ROE) | 7.6070% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.6070% | 1,767 |
| Net charge-offs to loans | 0.3959% | 924 |
| Credit loss provision to net charge-offs | 24.8344% | 2,448 |
| Earnings coverage of net charge-offs (x) | 5.2517% | 2,397 |
| Efficiency ratio | 66.8201% | 4,392 |
| Assets per employee ($millions) | 6.9252% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4784% | 830 |
| Loan loss allowance to noncurrent loans | 92.6674% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 3.1397% | 876 |
| Noncurrent loans to loans | 2.6745% | 1,267 |
| Net loans and leases to total assets | 68.2730% | 2,182 |
| Net loans and leases to deposits | 78.1976% | 2,527 |
| Net loans and leases to core deposits | 81.7164% | 2,764 |
| Total domestic deposits to total assets | 87.3084% | 2,632 |
| Equity capital to assets | 10.9927% | 2,716 |
| Core capital (leverage) ratio | 10.8869% | 2,502 |
| Tier 1 risk-based capital ratio | 13.4559% | 4,724 |
| Total risk-based capital ratio | 14.7166% | 4,652 |
| Memoranda: | ||
| Average total assets | $443,743,500 | 1,510 |
| Average earning assets | $424,006,000 | 1,460 |
| Average equity | $47,377,500 | 1,505 |
| Average total loans | $305,121,000 | 1,418 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7201% | 5,067 |
| Cost of funding earning assets | 0.4017% | 4,635 |
| Net interest margin | 3.3184% | 4,595 |
| Noninterest income to average assets | 1.0741% | 1,227 |
| Noninterest expense to average assets | 2.8782% | 3,436 |
| Loan and lease loss provision to assets | 0.3032% | 1,107 |
| Net operating income to assets | 0.6386% | 4,082 |
| Return on assets (ROA) | 0.6386% | 4,185 |
| Pretax return on assets | 1.0451% | 3,171 |
| Return on Equity (ROE) | 6.2345% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.2345% | 1,824 |
| Net charge-offs to loans | 0.0639% | 4,316 |
| Credit loss provision to net charge-offs | 688.7755% | 349 |
| Earnings coverage of net charge-offs (x) | 30.6276% | 1,165 |
| Efficiency ratio | 68.0980% | 4,183 |
| Assets per employee ($millions) | 7.0500% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5580% | 768 |
| Loan loss allowance to noncurrent loans | 94.7618% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 3.2203% | 950 |
| Noncurrent loans to loans | 2.6994% | 1,353 |
| Net loans and leases to total assets | 65.8264% | 2,714 |
| Net loans and leases to deposits | 74.7480% | 3,145 |
| Net loans and leases to core deposits | 78.6382% | 3,286 |
| Total domestic deposits to total assets | 88.0645% | 2,140 |
| Equity capital to assets | 10.3713% | 3,324 |
| Core capital (leverage) ratio | 10.2731% | 3,186 |
| Tier 1 risk-based capital ratio | 13.1597% | 4,878 |
| Total risk-based capital ratio | 14.4211% | 4,813 |
| Memoranda: | ||
| Average total assets | $445,202,600 | 1,489 |
| Average earning assets | $422,950,800 | 1,442 |
| Average equity | $45,601,000 | 1,536 |
| Average total loans | $306,741,400 | 1,382 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 5,161 |
| Cost of funding earning assets | 0.4109% | 4,714 |
| Net interest margin | 3.2917% | 4,675 |
| Noninterest income to average assets | 1.1479% | 1,110 |
| Noninterest expense to average assets | 2.8965% | 3,320 |
| Loan and lease loss provision to assets | 0.4057% | 737 |
| Net operating income to assets | 0.6016% | 4,341 |
| Return on assets (ROA) | 0.6016% | 4,464 |
| Pretax return on assets | 0.9727% | 3,606 |
| Return on Equity (ROE) | 5.8921% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.8921% | 2,483 |
| Net charge-offs to loans | -0.0612% | 6,372 |
| Credit loss provision to net charge-offs | -957.4468% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7562% | 4,140 |
| Assets per employee ($millions) | 7.2334% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6558% | 785 |
| Loan loss allowance to noncurrent loans | 95.2242% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 3.1750% | 1,134 |
| Noncurrent loans to loans | 2.7890% | 1,499 |
| Net loans and leases to total assets | 66.4868% | 2,563 |
| Net loans and leases to deposits | 76.2628% | 2,922 |
| Net loans and leases to core deposits | 81.1375% | 2,982 |
| Total domestic deposits to total assets | 87.1811% | 2,580 |
| Equity capital to assets | 10.2983% | 3,516 |
| Core capital (leverage) ratio | 10.5123% | 2,993 |
| Tier 1 risk-based capital ratio | 13.2421% | 4,952 |
| Total risk-based capital ratio | 14.5052% | 4,880 |
| Memoranda: | ||
| Average total assets | $443,703,500 | 1,501 |
| Average earning assets | $421,500,000 | 1,455 |
| Average equity | $45,302,500 | 1,558 |
| Average total loans | $307,225,500 | 1,378 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6927% | 5,164 |
| Cost of funding earning assets | 0.4130% | 4,828 |
| Net interest margin | 3.2796% | 4,659 |
| Noninterest income to average assets | 1.0943% | 1,274 |
| Noninterest expense to average assets | 3.0069% | 2,979 |
| Loan and lease loss provision to assets | 0.6107% | 414 |
| Net operating income to assets | 0.3212% | 5,518 |
| Return on assets (ROA) | 0.3212% | 5,671 |
| Pretax return on assets | 0.5980% | 5,017 |
| Return on Equity (ROE) | 3.1550% | 5,566 |
| Retained earnings to average equity (ytd only) | 3.1550% | 4,314 |
| Net charge-offs to loans | 0.0923% | 3,440 |
| Credit loss provision to net charge-offs | 950.7042% | 325 |
| Earnings coverage of net charge-offs (x) | 18.8169% | 1,538 |
| Efficiency ratio | 71.3274% | 3,590 |
| Assets per employee ($millions) | 6.8196% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5370% | 950 |
| Loan loss allowance to noncurrent loans | 53.7141% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 4.6605% | 687 |
| Noncurrent loans to loans | 4.7231% | 710 |
| Net loans and leases to total assets | 69.1227% | 2,048 |
| Net loans and leases to deposits | 78.1976% | 2,544 |
| Net loans and leases to core deposits | 83.3852% | 2,643 |
| Total domestic deposits to total assets | 88.3950% | 1,989 |
| Equity capital to assets | 10.2608% | 3,585 |
| Core capital (leverage) ratio | 10.3129% | 3,087 |
| Tier 1 risk-based capital ratio | 13.1541% | 5,032 |
| Total risk-based capital ratio | 14.4167% | 4,957 |
| Memoranda: | ||
| Average total assets | $442,114,330 | 1,502 |
| Average earning assets | $420,780,330 | 1,455 |
| Average equity | $45,008,330 | 1,574 |
| Average total loans | $307,531,000 | 1,375 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 5,361 |
| Cost of funding earning assets | 0.4144% | 4,971 |
| Net interest margin | 3.2163% | 4,865 |
| Noninterest income to average assets | 1.2640% | 957 |
| Noninterest expense to average assets | 2.9262% | 3,247 |
| Loan and lease loss provision to assets | 0.8091% | 266 |
| Net operating income to assets | 0.3785% | 5,217 |
| Return on assets (ROA) | 0.3785% | 5,357 |
| Pretax return on assets | 0.5987% | 4,949 |
| Return on Equity (ROE) | 3.7322% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.7322% | 3,992 |
| Net charge-offs to loans | 0.0183% | 3,788 |
| Credit loss provision to net charge-offs | 6,428.5714% | 37 |
| Earnings coverage of net charge-offs (x) | 111.8571% | 345 |
| Efficiency ratio | 67.5171% | 4,405 |
| Assets per employee ($millions) | 7.0401% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4308% | 1,201 |
| Loan loss allowance to noncurrent loans | 43.2592% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 5.1750% | 686 |
| Noncurrent loans to loans | 5.6192% | 632 |
| Net loans and leases to total assets | 69.2542% | 1,788 |
| Net loans and leases to deposits | 78.6678% | 2,253 |
| Net loans and leases to core deposits | 84.0432% | 2,314 |
| Total domestic deposits to total assets | 88.0337% | 2,285 |
| Equity capital to assets | 10.3900% | 3,687 |
| Core capital (leverage) ratio | 10.1930% | 3,157 |
| Tier 1 risk-based capital ratio | 13.3289% | 4,988 |
| Total risk-based capital ratio | 14.5911% | 4,931 |
| Memoranda: | ||
| Average total assets | $444,943,000 | 1,507 |
| Average earning assets | $424,707,500 | 1,452 |
| Average equity | $45,120,500 | 1,585 |
| Average total loans | $306,524,500 | 1,386 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 5,453 |
| Cost of funding earning assets | 0.5248% | 5,028 |
| Net interest margin | 3.4209% | 4,812 |
| Noninterest income to average assets | 1.1969% | 1,094 |
| Noninterest expense to average assets | 2.8384% | 3,879 |
| Loan and lease loss provision to assets | 0.8429% | 562 |
| Net operating income to assets | 0.4791% | 4,762 |
| Return on assets (ROA) | 0.4791% | 5,012 |
| Pretax return on assets | 0.7811% | 4,362 |
| Return on Equity (ROE) | 4.8078% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.8078% | 2,842 |
| Net charge-offs to loans | 0.9171% | 1,227 |
| Credit loss provision to net charge-offs | 127.0604% | 2,220 |
| Earnings coverage of net charge-offs (x) | 2.4481% | 4,186 |
| Efficiency ratio | 63.6071% | 4,958 |
| Assets per employee ($millions) | 7.4328% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1910% | 1,570 |
| Loan loss allowance to noncurrent loans | 44.8071% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 3.9274% | 1,104 |
| Noncurrent loans to loans | 4.8900% | 833 |
| Net loans and leases to total assets | 65.4145% | 2,631 |
| Net loans and leases to deposits | 74.0424% | 3,079 |
| Net loans and leases to core deposits | 78.9460% | 3,149 |
| Total domestic deposits to total assets | 88.3474% | 1,996 |
| Equity capital to assets | 9.9007% | 4,311 |
| Core capital (leverage) ratio | 9.8951% | 3,553 |
| Tier 1 risk-based capital ratio | 13.8913% | 4,459 |
| Total risk-based capital ratio | 15.1513% | 4,415 |
| Memoranda: | ||
| Average total assets | $438,973,800 | 1,506 |
| Average earning assets | $419,044,800 | 1,436 |
| Average equity | $43,741,800 | 1,593 |
| Average total loans | $317,507,600 | 1,323 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 5,435 |
| Cost of funding earning assets | 0.5506% | 5,085 |
| Net interest margin | 3.4783% | 4,722 |
| Noninterest income to average assets | 1.1019% | 1,238 |
| Noninterest expense to average assets | 2.8120% | 3,946 |
| Loan and lease loss provision to assets | 0.8575% | 537 |
| Net operating income to assets | 0.4634% | 4,979 |
| Return on assets (ROA) | 0.4634% | 5,233 |
| Pretax return on assets | 0.7482% | 4,683 |
| Return on Equity (ROE) | 4.6423% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.6423% | 3,624 |
| Net charge-offs to loans | 0.9813% | 1,086 |
| Credit loss provision to net charge-offs | 118.4934% | 2,446 |
| Earnings coverage of net charge-offs (x) | 2.2188% | 4,152 |
| Efficiency ratio | 63.6534% | 4,862 |
| Assets per employee ($millions) | 7.2151% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 2,161 |
| Loan loss allowance to noncurrent loans | 47.0791% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 4.4713% | 1,044 |
| Noncurrent loans to loans | 4.2512% | 1,151 |
| Net loans and leases to total assets | 70.0226% | 1,899 |
| Net loans and leases to deposits | 80.1302% | 2,367 |
| Net loans and leases to core deposits | 85.8903% | 2,480 |
| Total domestic deposits to total assets | 87.3860% | 2,438 |
| Equity capital to assets | 10.0672% | 4,396 |
| Core capital (leverage) ratio | 9.9192% | 3,667 |
| Tier 1 risk-based capital ratio | 13.1980% | 5,095 |
| Total risk-based capital ratio | 14.4558% | 5,056 |
| Memoranda: | ||
| Average total assets | $435,367,000 | 1,529 |
| Average earning assets | $415,022,250 | 1,469 |
| Average equity | $43,454,750 | 1,620 |
| Average total loans | $321,076,000 | 1,322 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 5,389 |
| Cost of funding earning assets | 0.5649% | 5,187 |
| Net interest margin | 3.5157% | 4,603 |
| Noninterest income to average assets | 0.9636% | 1,564 |
| Noninterest expense to average assets | 2.8125% | 3,966 |
| Loan and lease loss provision to assets | 0.8760% | 545 |
| Net operating income to assets | 0.3887% | 5,253 |
| Return on assets (ROA) | 0.3887% | 5,495 |
| Pretax return on assets | 0.6206% | 5,066 |
| Return on Equity (ROE) | 3.9055% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.9055% | 4,012 |
| Net charge-offs to loans | 1.4174% | 718 |
| Credit loss provision to net charge-offs | 82.9332% | 3,244 |
| Earnings coverage of net charge-offs (x) | 1.4168% | 4,293 |
| Efficiency ratio | 65.2686% | 4,673 |
| Assets per employee ($millions) | 6.8666% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 3,095 |
| Loan loss allowance to noncurrent loans | 39.8629% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 4.4969% | 1,106 |
| Noncurrent loans to loans | 4.3527% | 1,233 |
| Net loans and leases to total assets | 69.3563% | 2,039 |
| Net loans and leases to deposits | 78.5592% | 2,590 |
| Net loans and leases to core deposits | 84.3177% | 2,649 |
| Total domestic deposits to total assets | 88.2853% | 1,965 |
| Equity capital to assets | 9.7715% | 4,666 |
| Core capital (leverage) ratio | 9.9092% | 3,555 |
| Tier 1 risk-based capital ratio | 12.7750% | 5,355 |
| Total risk-based capital ratio | 14.0294% | 5,328 |
| Memoranda: | ||
| Average total assets | $433,782,330 | 1,532 |
| Average earning assets | $412,781,000 | 1,473 |
| Average equity | $43,170,330 | 1,618 |
| Average total loans | $323,275,330 | 1,316 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 5,340 |
| Cost of funding earning assets | 0.5836% | 5,261 |
| Net interest margin | 3.5516% | 4,481 |
| Noninterest income to average assets | 1.0208% | 1,372 |
| Noninterest expense to average assets | 2.8378% | 3,871 |
| Loan and lease loss provision to assets | 0.9357% | 462 |
| Net operating income to assets | 0.3986% | 5,265 |
| Return on assets (ROA) | 0.3986% | 5,451 |
| Pretax return on assets | 0.6353% | 4,992 |
| Return on Equity (ROE) | 3.9675% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.9675% | 4,204 |
| Net charge-offs to loans | 0.1185% | 3,400 |
| Credit loss provision to net charge-offs | 1,030.9278% | 331 |
| Earnings coverage of net charge-offs (x) | 17.3093% | 1,308 |
| Efficiency ratio | 64.3676% | 4,857 |
| Assets per employee ($millions) | 6.6003% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0796% | 2,148 |
| Loan loss allowance to noncurrent loans | 35.9040% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 5.3948% | 927 |
| Noncurrent loans to loans | 5.7922% | 893 |
| Net loans and leases to total assets | 74.1911% | 1,031 |
| Net loans and leases to deposits | 84.3193% | 1,626 |
| Net loans and leases to core deposits | 91.1057% | 1,734 |
| Total domestic deposits to total assets | 87.9883% | 2,328 |
| Equity capital to assets | 10.0592% | 4,054 |
| Core capital (leverage) ratio | 9.9492% | 3,428 |
| Tier 1 risk-based capital ratio | 12.4157% | 5,675 |
| Total risk-based capital ratio | 13.6744% | 5,631 |
| Memoranda: | ||
| Average total assets | $427,508,500 | 1,558 |
| Average earning assets | $407,814,000 | 1,489 |
| Average equity | $42,949,000 | 1,618 |
| Average total loans | $327,401,000 | 1,298 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 5,302 |
| Cost of funding earning assets | 0.7503% | 5,209 |
| Net interest margin | 3.6813% | 4,382 |
| Noninterest income to average assets | 0.7437% | 2,371 |
| Noninterest expense to average assets | 2.8593% | 4,132 |
| Loan and lease loss provision to assets | 0.8828% | 1,096 |
| Net operating income to assets | 0.3395% | 5,107 |
| Return on assets (ROA) | 0.3400% | 5,264 |
| Pretax return on assets | 0.5445% | 4,858 |
| Return on Equity (ROE) | 3.4011% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.4011% | 3,801 |
| Net charge-offs to loans | 0.7979% | 2,161 |
| Credit loss provision to net charge-offs | 139.8337% | 2,112 |
| Earnings coverage of net charge-offs (x) | 2.2596% | 4,091 |
| Efficiency ratio | 66.7149% | 4,620 |
| Assets per employee ($millions) | 6.3581% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 2,944 |
| Loan loss allowance to noncurrent loans | 34.1158% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 4.9003% | 1,100 |
| Noncurrent loans to loans | 5.2064% | 1,054 |
| Net loans and leases to total assets | 76.0312% | 948 |
| Net loans and leases to deposits | 86.5000% | 1,613 |
| Net loans and leases to core deposits | 95.2002% | 1,570 |
| Total domestic deposits to total assets | 87.8973% | 2,225 |
| Equity capital to assets | 10.0335% | 4,125 |
| Core capital (leverage) ratio | 9.9126% | 3,437 |
| Tier 1 risk-based capital ratio | 12.1842% | 5,700 |
| Total risk-based capital ratio | 13.4396% | 5,670 |
| Memoranda: | ||
| Average total assets | $419,117,000 | 1,552 |
| Average earning assets | $403,285,200 | 1,477 |
| Average equity | $41,898,200 | 1,605 |
| Average total loans | $331,614,200 | 1,280 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 5,416 |
| Cost of funding earning assets | 0.7657% | 5,362 |
| Net interest margin | 3.6887% | 4,391 |
| Noninterest income to average assets | 0.6050% | 3,135 |
| Noninterest expense to average assets | 2.7525% | 4,527 |
| Loan and lease loss provision to assets | 0.8944% | 1,007 |
| Net operating income to assets | 0.3220% | 5,315 |
| Return on assets (ROA) | 0.3220% | 5,486 |
| Pretax return on assets | 0.5172% | 5,104 |
| Return on Equity (ROE) | 3.2239% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.2239% | 4,415 |
| Net charge-offs to loans | 0.6890% | 2,193 |
| Credit loss provision to net charge-offs | 163.1702% | 1,878 |
| Earnings coverage of net charge-offs (x) | 2.5752% | 3,829 |
| Efficiency ratio | 66.1016% | 4,699 |
| Assets per employee ($millions) | 6.5209% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 2,960 |
| Loan loss allowance to noncurrent loans | 31.7088% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 4.6994% | 1,256 |
| Noncurrent loans to loans | 5.6672% | 1,022 |
| Net loans and leases to total assets | 75.9136% | 991 |
| Net loans and leases to deposits | 86.1203% | 1,674 |
| Net loans and leases to core deposits | 92.7189% | 1,913 |
| Total domestic deposits to total assets | 88.1482% | 1,955 |
| Equity capital to assets | 9.9910% | 4,354 |
| Core capital (leverage) ratio | 10.0376% | 3,384 |
| Tier 1 risk-based capital ratio | 12.3124% | 5,656 |
| Total risk-based capital ratio | 13.5683% | 5,638 |
| Memoranda: | ||
| Average total assets | $417,397,500 | 1,568 |
| Average earning assets | $402,732,000 | 1,496 |
| Average equity | $41,687,250 | 1,620 |
| Average total loans | $332,081,250 | 1,284 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 5,349 |
| Cost of funding earning assets | 0.7789% | 5,518 |
| Net interest margin | 3.7229% | 4,161 |
| Noninterest income to average assets | 0.5818% | 3,248 |
| Noninterest expense to average assets | 2.7632% | 4,572 |
| Loan and lease loss provision to assets | 0.9151% | 979 |
| Net operating income to assets | 0.3107% | 5,329 |
| Return on assets (ROA) | 0.3107% | 5,465 |
| Pretax return on assets | 0.4995% | 5,076 |
| Return on Equity (ROE) | 3.1109% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.1109% | 4,294 |
| Net charge-offs to loans | 0.7711% | 1,960 |
| Credit loss provision to net charge-offs | 147.7449% | 2,070 |
| Earnings coverage of net charge-offs (x) | 2.2838% | 3,687 |
| Efficiency ratio | 66.1402% | 4,848 |
| Assets per employee ($millions) | 6.1464% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 3,574 |
| Loan loss allowance to noncurrent loans | 30.1979% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 4.9184% | 1,249 |
| Noncurrent loans to loans | 5.4035% | 1,173 |
| Net loans and leases to total assets | 80.4846% | 494 |
| Net loans and leases to deposits | 91.3572% | 1,126 |
| Net loans and leases to core deposits | 99.2579% | 1,409 |
| Total domestic deposits to total assets | 88.0988% | 2,083 |
| Equity capital to assets | 10.3201% | 3,722 |
| Core capital (leverage) ratio | 10.0062% | 3,253 |
| Tier 1 risk-based capital ratio | 11.7713% | 5,958 |
| Total risk-based capital ratio | 13.0247% | 5,949 |
| Memoranda: | ||
| Average total assets | $415,243,000 | 1,588 |
| Average earning assets | $401,081,330 | 1,509 |
| Average equity | $41,467,000 | 1,617 |
| Average total loans | $333,556,330 | 1,300 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 5,659 |
| Cost of funding earning assets | 0.7797% | 5,674 |
| Net interest margin | 3.6293% | 4,434 |
| Noninterest income to average assets | 0.5752% | 3,336 |
| Noninterest expense to average assets | 2.7579% | 4,614 |
| Loan and lease loss provision to assets | 0.8809% | 921 |
| Net operating income to assets | 0.2895% | 5,457 |
| Return on assets (ROA) | 0.2895% | 5,533 |
| Pretax return on assets | 0.4562% | 5,166 |
| Return on Equity (ROE) | 2.9466% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.9466% | 4,399 |
| Net charge-offs to loans | 0.5479% | 2,124 |
| Credit loss provision to net charge-offs | 201.9651% | 1,470 |
| Earnings coverage of net charge-offs (x) | 3.0655% | 2,864 |
| Efficiency ratio | 67.3488% | 4,780 |
| Assets per employee ($millions) | 6.5442% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 3,814 |
| Loan loss allowance to noncurrent loans | 31.2871% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 4.5198% | 1,437 |
| Noncurrent loans to loans | 5.0514% | 1,327 |
| Net loans and leases to total assets | 77.1519% | 856 |
| Net loans and leases to deposits | 87.2940% | 1,549 |
| Net loans and leases to core deposits | 95.4467% | 1,720 |
| Total domestic deposits to total assets | 88.3816% | 2,156 |
| Equity capital to assets | 9.7320% | 4,134 |
| Core capital (leverage) ratio | 9.7683% | 3,422 |
| Tier 1 risk-based capital ratio | 11.5935% | 6,029 |
| Total risk-based capital ratio | 12.8462% | 6,012 |
| Memoranda: | ||
| Average total assets | $420,032,500 | 1,587 |
| Average earning assets | $407,347,000 | 1,496 |
| Average equity | $41,268,000 | 1,616 |
| Average total loans | $334,378,000 | 1,311 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5254% | 6,324 |
| Cost of funding earning assets | 1.0178% | 5,600 |
| Net interest margin | 3.5076% | 5,220 |
| Noninterest income to average assets | 0.5158% | 4,052 |
| Noninterest expense to average assets | 2.6747% | 5,105 |
| Loan and lease loss provision to assets | 0.8893% | 1,842 |
| Net operating income to assets | 0.2220% | 5,211 |
| Return on assets (ROA) | 0.2220% | 5,359 |
| Pretax return on assets | 0.3464% | 5,095 |
| Return on Equity (ROE) | 2.2163% | 5,301 |
| Retained earnings to average equity (ytd only) | 1.9711% | 4,485 |
| Net charge-offs to loans | 0.9373% | 2,308 |
| Credit loss provision to net charge-offs | 120.2124% | 3,513 |
| Earnings coverage of net charge-offs (x) | 1.6704% | 4,486 |
| Efficiency ratio | 68.3996% | 4,478 |
| Assets per employee ($millions) | 6.3799% | 1,002 |
| Cash dividends to net income (ytd only)* | 11.0619% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 4,366 |
| Loan loss allowance to noncurrent loans | 28.4369% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 4.8414% | 1,344 |
| Noncurrent loans to loans | 5.0372% | 1,331 |
| Net loans and leases to total assets | 79.6976% | 701 |
| Net loans and leases to deposits | 90.2782% | 1,485 |
| Net loans and leases to core deposits | 98.6317% | 1,737 |
| Total domestic deposits to total assets | 88.2801% | 2,079 |
| Equity capital to assets | 9.9203% | 3,854 |
| Core capital (leverage) ratio | 9.7301% | 3,399 |
| Tier 1 risk-based capital ratio | 11.3945% | 5,995 |
| Total risk-based capital ratio | 12.6456% | 5,992 |
| Memoranda: | ||
| Average total assets | $407,297,600 | 1,622 |
| Average earning assets | $394,178,200 | 1,535 |
| Average equity | $40,789,200 | 1,626 |
| Average total loans | $321,438,600 | 1,395 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 6,570 |
| Cost of funding earning assets | 1.0664% | 5,614 |
| Net interest margin | 3.4480% | 5,500 |
| Noninterest income to average assets | 0.4933% | 4,240 |
| Noninterest expense to average assets | 2.5939% | 5,349 |
| Loan and lease loss provision to assets | 0.8468% | 1,794 |
| Net operating income to assets | 0.2483% | 5,357 |
| Return on assets (ROA) | 0.2483% | 5,515 |
| Pretax return on assets | 0.3890% | 5,252 |
| Return on Equity (ROE) | 2.4732% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.1456% | 4,891 |
| Net charge-offs to loans | 0.4755% | 3,374 |
| Credit loss provision to net charge-offs | 227.0723% | 1,516 |
| Earnings coverage of net charge-offs (x) | 3.3139% | 3,495 |
| Efficiency ratio | 67.7314% | 4,521 |
| Assets per employee ($millions) | 6.5256% | 952 |
| Cash dividends to net income (ytd only)* | 13.2451% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 2,893 |
| Loan loss allowance to noncurrent loans | 29.5360% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 5.1597% | 1,231 |
| Noncurrent loans to loans | 5.9943% | 1,044 |
| Net loans and leases to total assets | 74.8466% | 1,608 |
| Net loans and leases to deposits | 84.6931% | 2,580 |
| Net loans and leases to core deposits | 95.1863% | 2,358 |
| Total domestic deposits to total assets | 88.3739% | 1,745 |
| Equity capital to assets | 9.8492% | 4,350 |
| Core capital (leverage) ratio | 9.8298% | 3,454 |
| Tier 1 risk-based capital ratio | 11.8977% | 5,554 |
| Total risk-based capital ratio | 13.1524% | 5,528 |
| Memoranda: | ||
| Average total assets | $405,448,250 | 1,658 |
| Average earning assets | $392,338,750 | 1,564 |
| Average equity | $40,701,750 | 1,631 |
| Average total loans | $317,972,000 | 1,426 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5949% | 6,474 |
| Cost of funding earning assets | 1.1099% | 5,620 |
| Net interest margin | 3.4849% | 5,301 |
| Noninterest income to average assets | 0.4943% | 4,167 |
| Noninterest expense to average assets | 2.5786% | 5,413 |
| Loan and lease loss provision to assets | 0.8844% | 1,648 |
| Net operating income to assets | 0.2566% | 5,348 |
| Return on assets (ROA) | 0.2566% | 5,489 |
| Pretax return on assets | 0.4011% | 5,221 |
| Return on Equity (ROE) | 2.5396% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.0465% | 4,838 |
| Net charge-offs to loans | 0.3341% | 3,659 |
| Credit loss provision to net charge-offs | 334.2750% | 1,085 |
| Earnings coverage of net charge-offs (x) | 4.8588% | 2,822 |
| Efficiency ratio | 66.7311% | 4,835 |
| Assets per employee ($millions) | 6.3592% | 1,027 |
| Cash dividends to net income (ytd only)* | 19.4175% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 3,018 |
| Loan loss allowance to noncurrent loans | 32.8064% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 4.2549% | 1,576 |
| Noncurrent loans to loans | 5.2298% | 1,301 |
| Net loans and leases to total assets | 76.5274% | 1,385 |
| Net loans and leases to deposits | 86.6885% | 2,399 |
| Net loans and leases to core deposits | 98.7674% | 2,144 |
| Total domestic deposits to total assets | 88.2787% | 1,835 |
| Equity capital to assets | 10.0394% | 3,971 |
| Core capital (leverage) ratio | 9.9517% | 3,219 |
| Tier 1 risk-based capital ratio | 11.9824% | 5,331 |
| Total risk-based capital ratio | 13.2373% | 5,288 |
| Memoranda: | ||
| Average total assets | $401,385,330 | 1,687 |
| Average earning assets | $388,129,000 | 1,594 |
| Average equity | $40,557,670 | 1,635 |
| Average total loans | $317,889,000 | 1,440 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 6,590 |
| Cost of funding earning assets | 1.1418% | 5,691 |
| Net interest margin | 3.4461% | 5,391 |
| Noninterest income to average assets | 0.4074% | 4,851 |
| Noninterest expense to average assets | 2.5570% | 5,529 |
| Loan and lease loss provision to assets | 0.9785% | 1,274 |
| Net operating income to assets | 0.1305% | 5,927 |
| Return on assets (ROA) | 0.1305% | 6,048 |
| Pretax return on assets | 0.1947% | 5,890 |
| Return on Equity (ROE) | 1.2869% | 6,032 |
| Retained earnings to average equity (ytd only) | 0.2970% | 5,713 |
| Net charge-offs to loans | 0.4133% | 2,807 |
| Credit loss provision to net charge-offs | 296.3526% | 1,339 |
| Earnings coverage of net charge-offs (x) | 3.5532% | 2,871 |
| Efficiency ratio | 68.5499% | 4,618 |
| Assets per employee ($millions) | 7.0062% | 809 |
| Cash dividends to net income (ytd only)* | 76.9231% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 3,847 |
| Loan loss allowance to noncurrent loans | 30.1064% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 4.3631% | 1,558 |
| Noncurrent loans to loans | 5.0223% | 1,439 |
| Net loans and leases to total assets | 78.9254% | 989 |
| Net loans and leases to deposits | 89.2839% | 2,019 |
| Net loans and leases to core deposits | 103.5675% | 1,781 |
| Total domestic deposits to total assets | 88.3982% | 1,851 |
| Equity capital to assets | 10.1304% | 3,702 |
| Core capital (leverage) ratio | 10.2038% | 2,925 |
| Tier 1 risk-based capital ratio | 11.7060% | 5,487 |
| Total risk-based capital ratio | 12.9580% | 5,437 |
| Memoranda: | ||
| Average total assets | $398,585,000 | 1,732 |
| Average earning assets | $384,319,000 | 1,651 |
| Average equity | $40,407,000 | 1,657 |
| Average total loans | $318,387,000 | 1,484 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 7,129 |
| Cost of funding earning assets | 1.6782% | 4,624 |
| Net interest margin | 3.0292% | 6,569 |
| Noninterest income to average assets | 0.4503% | 4,808 |
| Noninterest expense to average assets | 2.4580% | 6,282 |
| Loan and lease loss provision to assets | 0.7882% | 2,770 |
| Net operating income to assets | 0.0988% | 5,218 |
| Return on assets (ROA) | 0.0988% | 5,261 |
| Pretax return on assets | 0.1466% | 5,117 |
| Return on Equity (ROE) | 0.9723% | 5,242 |
| Retained earnings to average equity (ytd only) | -1.0070% | 5,258 |
| Net charge-offs to loans | 0.8450% | 2,715 |
| Credit loss provision to net charge-offs | 114.1245% | 4,802 |
| Earnings coverage of net charge-offs (x) | 1.3535% | 4,779 |
| Efficiency ratio | 72.4491% | 4,191 |
| Assets per employee ($millions) | 6.6303% | 928 |
| Cash dividends to net income (ytd only)* | 203.5623% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 4,621 |
| Loan loss allowance to noncurrent loans | 30.3781% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 3.8477% | 1,730 |
| Noncurrent loans to loans | 4.3587% | 1,645 |
| Net loans and leases to total assets | 78.5663% | 1,269 |
| Net loans and leases to deposits | 89.5105% | 2,298 |
| Net loans and leases to core deposits | 112.7293% | 2,623 |
| Total domestic deposits to total assets | 87.7733% | 2,080 |
| Equity capital to assets | 10.1449% | 3,569 |
| Core capital (leverage) ratio | 9.9390% | 3,151 |
| Tier 1 risk-based capital ratio | 11.4942% | 5,396 |
| Total risk-based capital ratio | 12.6921% | 5,424 |
| Memoranda: | ||
| Average total assets | $397,766,600 | 1,727 |
| Average earning assets | $386,377,800 | 1,629 |
| Average equity | $40,418,200 | 1,656 |
| Average total loans | $325,103,000 | 1,482 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 7,260 |
| Cost of funding earning assets | 1.7719% | 4,513 |
| Net interest margin | 2.9424% | 6,745 |
| Noninterest income to average assets | 0.4441% | 4,940 |
| Noninterest expense to average assets | 2.5000% | 6,067 |
| Loan and lease loss provision to assets | 0.7291% | 2,554 |
| Net operating income to assets | 0.0556% | 5,590 |
| Return on assets (ROA) | 0.0556% | 5,626 |
| Pretax return on assets | 0.0751% | 5,569 |
| Return on Equity (ROE) | 0.5474% | 5,635 |
| Retained earnings to average equity (ytd only) | -2.0906% | 5,741 |
| Net charge-offs to loans | 0.6349% | 2,779 |
| Credit loss provision to net charge-offs | 139.6021% | 3,533 |
| Earnings coverage of net charge-offs (x) | 1.5398% | 4,632 |
| Efficiency ratio | 75.6620% | 3,567 |
| Assets per employee ($millions) | 6.9311% | 815 |
| Cash dividends to net income (ytd only)* | 481.9229% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 3,907 |
| Loan loss allowance to noncurrent loans | 35.2852% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 3.3497% | 2,010 |
| Noncurrent loans to loans | 3.9839% | 1,846 |
| Net loans and leases to total assets | 77.1673% | 1,751 |
| Net loans and leases to deposits | 87.8866% | 2,981 |
| Net loans and leases to core deposits | 111.0396% | 3,126 |
| Total domestic deposits to total assets | 87.8032% | 1,747 |
| Equity capital to assets | 10.0165% | 4,066 |
| Core capital (leverage) ratio | 9.8255% | 3,488 |
| Tier 1 risk-based capital ratio | 11.3799% | 5,556 |
| Total risk-based capital ratio | 12.6304% | 5,497 |
| Memoranda: | ||
| Average total assets | $397,754,000 | 1,746 |
| Average earning assets | $386,612,250 | 1,650 |
| Average equity | $40,433,250 | 1,669 |
| Average total loans | $327,192,750 | 1,486 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 7,309 |
| Cost of funding earning assets | 1.8582% | 4,472 |
| Net interest margin | 2.8952% | 6,812 |
| Noninterest income to average assets | 0.4395% | 4,933 |
| Noninterest expense to average assets | 2.5292% | 6,021 |
| Loan and lease loss provision to assets | 0.6308% | 2,537 |
| Net operating income to assets | 0.0641% | 5,665 |
| Return on assets (ROA) | 0.0641% | 5,756 |
| Pretax return on assets | 0.0903% | 5,698 |
| Return on Equity (ROE) | 0.6273% | 5,746 |
| Retained earnings to average equity (ytd only) | -2.3365% | 5,819 |
| Net charge-offs to loans | 0.2028% | 4,267 |
| Credit loss provision to net charge-offs | 372.0238% | 1,247 |
| Earnings coverage of net charge-offs (x) | 4.2530% | 3,163 |
| Efficiency ratio | 77.8140% | 3,378 |
| Assets per employee ($millions) | 6.9062% | 801 |
| Cash dividends to net income (ytd only)* | 472.4409% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 3,316 |
| Loan loss allowance to noncurrent loans | 31.8553% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 3.7137% | 1,650 |
| Noncurrent loans to loans | 4.6368% | 1,376 |
| Net loans and leases to total assets | 77.2662% | 1,899 |
| Net loans and leases to deposits | 88.0800% | 3,157 |
| Net loans and leases to core deposits | 111.7090% | 3,171 |
| Total domestic deposits to total assets | 87.7227% | 1,920 |
| Equity capital to assets | 9.8889% | 4,095 |
| Core capital (leverage) ratio | 9.7893% | 3,533 |
| Tier 1 risk-based capital ratio | 11.4617% | 5,432 |
| Total risk-based capital ratio | 12.7130% | 5,344 |
| Memoranda: | ||
| Average total assets | $396,336,670 | 1,776 |
| Average earning assets | $384,770,670 | 1,682 |
| Average equity | $40,488,670 | 1,676 |
| Average total loans | $331,377,000 | 1,507 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 7,372 |
| Cost of funding earning assets | 1.9580% | 4,339 |
| Net interest margin | 2.8391% | 6,901 |
| Noninterest income to average assets | 0.3961% | 5,240 |
| Noninterest expense to average assets | 2.4946% | 5,860 |
| Loan and lease loss provision to assets | 0.6398% | 1,972 |
| Net operating income to assets | 0.0143% | 6,220 |
| Return on assets (ROA) | 0.0143% | 6,377 |
| Pretax return on assets | 0.0092% | 6,358 |
| Return on Equity (ROE) | 0.1380% | 6,380 |
| Retained earnings to average equity (ytd only) | -3.8043% | 6,403 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3553% | 2,932 |
| Assets per employee ($millions) | 7.1811% | 714 |
| Cash dividends to net income (ytd only)* | 2,857.1429% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 3,894 |
| Loan loss allowance to noncurrent loans | 44.6594% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 2.5015% | 2,299 |
| Noncurrent loans to loans | 2.9864% | 2,188 |
| Net loans and leases to total assets | 80.1011% | 1,367 |
| Net loans and leases to deposits | 91.7314% | 2,645 |
| Net loans and leases to core deposits | 111.8377% | 3,238 |
| Total domestic deposits to total assets | 87.3214% | 2,055 |
| Equity capital to assets | 9.8744% | 4,152 |
| Core capital (leverage) ratio | 10.3947% | 3,029 |
| Tier 1 risk-based capital ratio | 11.1683% | 5,733 |
| Total risk-based capital ratio | 12.3976% | 5,680 |
| Memoranda: | ||
| Average total assets | $390,771,000 | 1,801 |
| Average earning assets | $378,146,500 | 1,715 |
| Average equity | $40,586,000 | 1,678 |
| Average total loans | $337,288,000 | 1,492 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8466% | 6,272 |
| Cost of funding earning assets | 2.5024% | 4,196 |
| Net interest margin | 3.3442% | 5,889 |
| Noninterest income to average assets | 0.4927% | 4,659 |
| Noninterest expense to average assets | 2.2714% | 6,783 |
| Loan and lease loss provision to assets | 0.5227% | 2,720 |
| Net operating income to assets | 0.5608% | 4,478 |
| Return on assets (ROA) | 0.5608% | 4,333 |
| Pretax return on assets | 0.8996% | 3,722 |
| Return on Equity (ROE) | 4.9915% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.4926% | 2,333 |
| Net charge-offs to loans | 0.4120% | 2,753 |
| Credit loss provision to net charge-offs | 140.5426% | 3,778 |
| Earnings coverage of net charge-offs (x) | 3.8244% | 4,214 |
| Efficiency ratio | 61.4947% | 6,048 |
| Assets per employee ($millions) | 7.5964% | 543 |
| Cash dividends to net income (ytd only)* | 9.9950% | 4,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 5,181 |
| Loan loss allowance to noncurrent loans | 41.5521% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 2.5461% | 1,903 |
| Noncurrent loans to loans | 2.6768% | 2,026 |
| Net loans and leases to total assets | 90.9315% | 134 |
| Net loans and leases to deposits | 105.1734% | 1,202 |
| Net loans and leases to core deposits | 126.0721% | 2,158 |
| Total domestic deposits to total assets | 86.4586% | 2,189 |
| Equity capital to assets | 10.9488% | 3,081 |
| Core capital (leverage) ratio | 11.0438% | 2,561 |
| Tier 1 risk-based capital ratio | 10.5405% | 6,167 |
| Total risk-based capital ratio | 11.5277% | 6,314 |
| Memoranda: | ||
| Average total assets | $356,826,800 | 1,877 |
| Average earning assets | $341,546,200 | 1,803 |
| Average equity | $40,088,000 | 1,679 |
| Average total loans | $322,101,600 | 1,505 |