Home > Crest Savings Bank > Performance and Condition Ratios
Crest Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 4,005 |
| Cost of funding earning assets | 1.2375% | 2,702 |
| Net interest margin | 2.7343% | 3,768 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.4085% | 2,569 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.3435% | 3,965 |
| Return on assets (ROA) | 0.3435% | 3,962 |
| Pretax return on assets | 0.4688% | 3,866 |
| Return on Equity (ROE) | 4.2600% | 3,850 |
| Retained earnings to average equity (ytd only) | 1.2260% | 3,779 |
| Net charge-offs to loans | -0.0007% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.1332% | 841 |
| Assets per employee ($millions) | 6.6638% | 2,295 |
| Cash dividends to net income (ytd only)* | 71.2151% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7181% | 4,097 |
| Loan loss allowance to noncurrent loans | 2,138.2166% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,498 |
| Noncurrent loans to loans | 0.0336% | 3,492 |
| Net loans and leases to total assets | 80.9900% | 535 |
| Net loans and leases to deposits | 99.0907% | 590 |
| Net loans and leases to core deposits | 104.7618% | 1,178 |
| Total domestic deposits to total assets | 81.7300% | 3,177 |
| Equity capital to assets | 8.2469% | 3,244 |
| Core capital (leverage) ratio | 8.1691% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1145% | 1,831 |
| Memoranda: | ||
| Average total assets | $584,516,200 | 1,513 |
| Average earning assets | $553,847,600 | 1,487 |
| Average equity | $47,144,600 | 1,676 |
| Average total loans | $455,385,200 | 1,334 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 4,006 |
| Cost of funding earning assets | 1.0954% | 2,753 |
| Net interest margin | 2.7964% | 3,728 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.4041% | 2,507 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.3784% | 4,000 |
| Return on assets (ROA) | 0.3784% | 4,002 |
| Pretax return on assets | 0.4896% | 3,919 |
| Return on Equity (ROE) | 4.7200% | 3,863 |
| Retained earnings to average equity (ytd only) | 3.4440% | 3,404 |
| Net charge-offs to loans | -0.0006% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.8531% | 863 |
| Assets per employee ($millions) | 6.7722% | 2,125 |
| Cash dividends to net income (ytd only)* | 26.9946% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 4,112 |
| Loan loss allowance to noncurrent loans | 1,514.5455% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,426 |
| Noncurrent loans to loans | 0.0472% | 3,416 |
| Net loans and leases to total assets | 78.5800% | 812 |
| Net loans and leases to deposits | 93.1043% | 960 |
| Net loans and leases to core deposits | 96.5035% | 1,531 |
| Total domestic deposits to total assets | 84.4000% | 2,668 |
| Equity capital to assets | 8.1194% | 2,968 |
| Core capital (leverage) ratio | 8.1942% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3018% | 1,793 |
| Memoranda: | ||
| Average total assets | $587,373,750 | 1,518 |
| Average earning assets | $556,515,000 | 1,475 |
| Average equity | $47,115,250 | 1,667 |
| Average total loans | $452,362,750 | 1,333 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 3,990 |
| Cost of funding earning assets | 0.9997% | 2,605 |
| Net interest margin | 2.8238% | 3,786 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.4122% | 2,439 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.3869% | 4,027 |
| Return on assets (ROA) | 0.3869% | 4,039 |
| Pretax return on assets | 0.5021% | 3,964 |
| Return on Equity (ROE) | 4.8400% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.5627% | 3,330 |
| Net charge-offs to loans | -0.0009% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.5216% | 870 |
| Assets per employee ($millions) | 6.5925% | 2,220 |
| Cash dividends to net income (ytd only)* | 26.4317% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 4,194 |
| Loan loss allowance to noncurrent loans | 7,659.5238% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,787 |
| Noncurrent loans to loans | 0.0091% | 3,724 |
| Net loans and leases to total assets | 79.3400% | 697 |
| Net loans and leases to deposits | 96.7151% | 689 |
| Net loans and leases to core deposits | 100.1405% | 1,230 |
| Total domestic deposits to total assets | 82.0300% | 3,226 |
| Equity capital to assets | 8.1723% | 3,103 |
| Core capital (leverage) ratio | 8.2474% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1769% | 1,825 |
| Memoranda: | ||
| Average total assets | $586,770,000 | 1,507 |
| Average earning assets | $555,359,333 | 1,479 |
| Average equity | $46,874,333 | 1,674 |
| Average total loans | $447,710,000 | 1,326 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 3,954 |
| Cost of funding earning assets | 0.8243% | 2,633 |
| Net interest margin | 2.9217% | 3,757 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.4010% | 2,524 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.4664% | 3,974 |
| Return on assets (ROA) | 0.4664% | 3,923 |
| Pretax return on assets | 0.6121% | 3,822 |
| Return on Equity (ROE) | 5.9000% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.6174% | 3,111 |
| Net charge-offs to loans | -0.0009% | 3,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.5676% | 1,038 |
| Assets per employee ($millions) | 7.1113% | 1,888 |
| Cash dividends to net income (ytd only)* | 21.8023% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,273 |
| Loan loss allowance to noncurrent loans | 681.4059% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,046 |
| Noncurrent loans to loans | 0.0995% | 3,045 |
| Net loans and leases to total assets | 75.5300% | 1,018 |
| Net loans and leases to deposits | 91.9611% | 920 |
| Net loans and leases to core deposits | 94.0325% | 1,393 |
| Total domestic deposits to total assets | 82.1300% | 3,465 |
| Equity capital to assets | 8.0843% | 3,182 |
| Core capital (leverage) ratio | 8.0994% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4326% | 1,816 |
| Memoranda: | ||
| Average total assets | $590,083,500 | 1,520 |
| Average earning assets | $558,031,000 | 1,497 |
| Average equity | $46,606,000 | 1,696 |
| Average total loans | $439,821,000 | 1,350 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2959% | 3,590 |
| Cost of funding earning assets | 0.4603% | 1,648 |
| Net interest margin | 2.8356% | 3,817 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.2110% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5583% | 3,970 |
| Return on assets (ROA) | 0.5583% | 3,936 |
| Pretax return on assets | 0.9618% | 3,190 |
| Return on Equity (ROE) | 7.8000% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.9557% | 2,263 |
| Net charge-offs to loans | -0.0043% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3869% | 1,771 |
| Assets per employee ($millions) | 7.1076% | 1,889 |
| Cash dividends to net income (ytd only)* | 10.7883% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 3,983 |
| Loan loss allowance to noncurrent loans | 569.6825% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 2,788 |
| Noncurrent loans to loans | 0.1444% | 2,789 |
| Net loans and leases to total assets | 72.4600% | 1,363 |
| Net loans and leases to deposits | 84.1092% | 1,465 |
| Net loans and leases to core deposits | 85.5509% | 1,783 |
| Total domestic deposits to total assets | 86.1500% | 2,684 |
| Equity capital to assets | 7.7164% | 3,242 |
| Core capital (leverage) ratio | 7.3256% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2397% | 1,877 |
| Memoranda: | ||
| Average total assets | $622,566,800 | 1,433 |
| Average earning assets | $591,309,000 | 1,404 |
| Average equity | $44,582,400 | 1,764 |
| Average total loans | $420,492,400 | 1,336 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1116% | 3,648 |
| Cost of funding earning assets | 0.4079% | 1,231 |
| Net interest margin | 2.7037% | 3,917 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.1792% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5094% | 4,051 |
| Return on assets (ROA) | 0.5094% | 4,001 |
| Pretax return on assets | 0.6930% | 3,813 |
| Return on Equity (ROE) | 7.2500% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.5684% | 2,534 |
| Net charge-offs to loans | -0.0054% | 3,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.5480% | 1,118 |
| Assets per employee ($millions) | 8.6472% | 1,006 |
| Cash dividends to net income (ytd only)* | 9.3633% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 3,994 |
| Loan loss allowance to noncurrent loans | 5,787.0968% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 3,906 |
| Noncurrent loans to loans | 0.0146% | 3,823 |
| Net loans and leases to total assets | 60.7000% | 2,429 |
| Net loans and leases to deposits | 68.9365% | 2,458 |
| Net loans and leases to core deposits | 69.8545% | 2,653 |
| Total domestic deposits to total assets | 88.0600% | 2,412 |
| Equity capital to assets | 6.6230% | 3,690 |
| Core capital (leverage) ratio | 6.8817% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4385% | 1,892 |
| Memoranda: | ||
| Average total assets | $628,948,750 | 1,431 |
| Average earning assets | $598,178,250 | 1,397 |
| Average equity | $44,210,500 | 1,801 |
| Average total loans | $416,561,000 | 1,338 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0351% | 3,463 |
| Cost of funding earning assets | 0.3816% | 1,040 |
| Net interest margin | 2.6535% | 3,807 |
| Noninterest income to average assets | 0.3066% | 3,326 |
| Noninterest expense to average assets | 2.2569% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4184% | 4,077 |
| Return on assets (ROA) | 0.4184% | 4,023 |
| Pretax return on assets | 0.5707% | 3,871 |
| Return on Equity (ROE) | 5.8248% | 3,621 |
| Retained earnings to average equity (ytd only) | 5.1379% | 2,657 |
| Net charge-offs to loans | -0.0082% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4788% | 986 |
| Assets per employee ($millions) | 7.6413% | 1,523 |
| Cash dividends to net income (ytd only)* | 11.7925% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 4,079 |
| Loan loss allowance to noncurrent loans | 3,353.2710% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,839 |
| Noncurrent loans to loans | 0.0255% | 3,767 |
| Net loans and leases to total assets | 67.3267% | 1,545 |
| Net loans and leases to deposits | 77.4425% | 1,579 |
| Net loans and leases to core deposits | 78.4108% | 1,831 |
| Total domestic deposits to total assets | 86.9377% | 2,958 |
| Equity capital to assets | 7.2026% | 3,664 |
| Core capital (leverage) ratio | 7.2975% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3003% | 1,939 |
| Memoranda: | ||
| Average total assets | $608,006,667 | 1,479 |
| Average earning assets | $577,643,000 | 1,451 |
| Average equity | $43,675,333 | 1,868 |
| Average total loans | $414,238,000 | 1,341 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9558% | 3,384 |
| Cost of funding earning assets | 0.3956% | 894 |
| Net interest margin | 2.5602% | 3,757 |
| Noninterest income to average assets | 0.2967% | 3,341 |
| Noninterest expense to average assets | 2.3189% | 2,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3047% | 4,135 |
| Return on assets (ROA) | 0.3047% | 4,106 |
| Pretax return on assets | 0.4136% | 4,012 |
| Return on Equity (ROE) | 4.2477% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.5537% | 3,097 |
| Net charge-offs to loans | -0.0214% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4995% | 815 |
| Assets per employee ($millions) | 7.5087% | 1,677 |
| Cash dividends to net income (ytd only)* | 16.3399% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 4,114 |
| Loan loss allowance to noncurrent loans | 5,207.2464% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,952 |
| Noncurrent loans to loans | 0.0167% | 3,883 |
| Net loans and leases to total assets | 68.1789% | 1,194 |
| Net loans and leases to deposits | 78.6535% | 1,235 |
| Net loans and leases to core deposits | 79.9391% | 1,487 |
| Total domestic deposits to total assets | 86.6826% | 3,044 |
| Equity capital to assets | 7.2816% | 4,057 |
| Core capital (leverage) ratio | 7.1546% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4281% | 2,025 |
| Memoranda: | ||
| Average total assets | $602,538,500 | 1,496 |
| Average earning assets | $573,246,500 | 1,464 |
| Average equity | $43,223,000 | 1,945 |
| Average total loans | $411,206,000 | 1,341 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0213% | 3,834 |
| Cost of funding earning assets | 0.5362% | 767 |
| Net interest margin | 2.4850% | 4,212 |
| Noninterest income to average assets | 0.2978% | 3,617 |
| Noninterest expense to average assets | 2.1937% | 3,110 |
| Loan and lease loss provision to assets | -0.0440% | 4,322 |
| Net operating income to assets | 0.3232% | 4,393 |
| Return on assets (ROA) | 0.3232% | 4,415 |
| Pretax return on assets | 0.5061% | 4,249 |
| Return on Equity (ROE) | 4.6158% | 4,081 |
| Retained earnings to average equity (ytd only) | 3.8904% | 3,263 |
| Net charge-offs to loans | 0.0012% | 2,625 |
| Credit loss provision to net charge-offs | -5,200.0000% | 4,172 |
| Earnings coverage of net charge-offs (x) | 545.8000% | 256 |
| Efficiency ratio | 82.2251% | 661 |
| Assets per employee ($millions) | 7.1104% | 1,856 |
| Cash dividends to net income (ytd only)* | 15.7150% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 4,133 |
| Loan loss allowance to noncurrent loans | 5,175.3623% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,031 |
| Noncurrent loans to loans | 0.0169% | 3,958 |
| Net loans and leases to total assets | 67.1266% | 1,360 |
| Net loans and leases to deposits | 77.2955% | 1,468 |
| Net loans and leases to core deposits | 78.5458% | 1,718 |
| Total domestic deposits to total assets | 86.8441% | 2,571 |
| Equity capital to assets | 7.0661% | 4,709 |
| Core capital (leverage) ratio | 6.9108% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7271% | 1,960 |
| Memoranda: | ||
| Average total assets | $590,598,800 | 1,473 |
| Average earning assets | $560,394,400 | 1,452 |
| Average equity | $41,357,800 | 2,035 |
| Average total loans | $413,310,600 | 1,339 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0486% | 3,909 |
| Cost of funding earning assets | 0.5167% | 967 |
| Net interest margin | 2.5319% | 4,220 |
| Noninterest income to average assets | 0.2975% | 3,662 |
| Noninterest expense to average assets | 2.2751% | 2,824 |
| Loan and lease loss provision to assets | -0.0002% | 4,276 |
| Net operating income to assets | 0.3079% | 4,509 |
| Return on assets (ROA) | 0.3079% | 4,532 |
| Pretax return on assets | 0.4226% | 4,464 |
| Return on Equity (ROE) | 4.4074% | 4,242 |
| Retained earnings to average equity (ytd only) | 3.6761% | 3,687 |
| Net charge-offs to loans | 0.0023% | 2,295 |
| Credit loss provision to net charge-offs | -14.2857% | 3,062 |
| Earnings coverage of net charge-offs (x) | 265.7143% | 461 |
| Efficiency ratio | 83.9717% | 522 |
| Assets per employee ($millions) | 7.5245% | 1,549 |
| Cash dividends to net income (ytd only)* | 16.5929% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 63.7431% | 1,803 |
| Net loans and leases to deposits | 74.3589% | 1,825 |
| Net loans and leases to core deposits | 75.7022% | 2,079 |
| Total domestic deposits to total assets | 85.7236% | 2,859 |
| Equity capital to assets | 6.6266% | 4,858 |
| Core capital (leverage) ratio | 6.7927% | 4,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9670% | 1,985 |
| Memoranda: | ||
| Average total assets | $587,153,000 | 1,496 |
| Average earning assets | $556,575,000 | 1,474 |
| Average equity | $41,020,750 | 2,077 |
| Average total loans | $414,320,250 | 1,363 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0931% | 3,886 |
| Cost of funding earning assets | 0.5430% | 975 |
| Net interest margin | 2.5502% | 4,249 |
| Noninterest income to average assets | 0.3090% | 3,578 |
| Noninterest expense to average assets | 2.3433% | 2,637 |
| Loan and lease loss provision to assets | -0.0003% | 4,366 |
| Net operating income to assets | 0.2782% | 4,547 |
| Return on assets (ROA) | 0.2782% | 4,565 |
| Pretax return on assets | 0.3810% | 4,522 |
| Return on Equity (ROE) | 3.9084% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.1719% | 3,790 |
| Net charge-offs to loans | 0.0038% | 2,021 |
| Credit loss provision to net charge-offs | -12.5000% | 2,908 |
| Earnings coverage of net charge-offs (x) | 136.1250% | 625 |
| Efficiency ratio | 85.6538% | 490 |
| Assets per employee ($millions) | 7.1600% | 1,685 |
| Cash dividends to net income (ytd only)* | 18.8442% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 4,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 68.9196% | 1,337 |
| Net loans and leases to deposits | 81.1365% | 1,314 |
| Net loans and leases to core deposits | 82.6415% | 1,667 |
| Total domestic deposits to total assets | 84.9427% | 3,123 |
| Equity capital to assets | 6.9397% | 4,858 |
| Core capital (leverage) ratio | 7.2434% | 4,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0527% | 1,952 |
| Memoranda: | ||
| Average total assets | $572,185,000 | 1,518 |
| Average earning assets | $541,845,000 | 1,503 |
| Average equity | $40,733,000 | 2,071 |
| Average total loans | $416,853,333 | 1,364 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1877% | 3,714 |
| Cost of funding earning assets | 0.5767% | 978 |
| Net interest margin | 2.6110% | 4,127 |
| Noninterest income to average assets | 0.3251% | 3,471 |
| Noninterest expense to average assets | 2.3816% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3051% | 4,509 |
| Return on assets (ROA) | 0.3051% | 4,543 |
| Pretax return on assets | 0.4156% | 4,467 |
| Return on Equity (ROE) | 4.2283% | 4,242 |
| Retained earnings to average equity (ytd only) | 3.4874% | 3,638 |
| Net charge-offs to loans | 0.0105% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 873 |
| Efficiency ratio | 84.7604% | 559 |
| Assets per employee ($millions) | 6.9242% | 1,847 |
| Cash dividends to net income (ytd only)* | 17.5234% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 4,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.5075% | 955 |
| Net loans and leases to deposits | 86.3977% | 939 |
| Net loans and leases to core deposits | 88.2832% | 1,344 |
| Total domestic deposits to total assets | 83.9230% | 3,462 |
| Equity capital to assets | 7.1132% | 4,819 |
| Core capital (leverage) ratio | 7.4740% | 4,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9998% | 1,898 |
| Memoranda: | ||
| Average total assets | $561,138,500 | 1,534 |
| Average earning assets | $531,286,000 | 1,511 |
| Average equity | $40,489,000 | 2,068 |
| Average total loans | $418,579,500 | 1,365 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 3,643 |
| Cost of funding earning assets | 0.8125% | 1,159 |
| Net interest margin | 2.8620% | 4,174 |
| Noninterest income to average assets | 0.3129% | 3,594 |
| Noninterest expense to average assets | 2.5135% | 2,808 |
| Loan and lease loss provision to assets | 0.1333% | 2,693 |
| Net operating income to assets | 0.2822% | 4,460 |
| Return on assets (ROA) | 0.2759% | 4,534 |
| Pretax return on assets | 0.3516% | 4,482 |
| Return on Equity (ROE) | 3.5688% | 4,253 |
| Retained earnings to average equity (ytd only) | 3.3786% | 3,135 |
| Net charge-offs to loans | -0.0099% | 4,259 |
| Credit loss provision to net charge-offs | -1,619.0476% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2192% | 683 |
| Assets per employee ($millions) | 6.5187% | 1,911 |
| Cash dividends to net income (ytd only)* | 5.3305% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,128 |
| Loan loss allowance to noncurrent loans | 6,088.8889% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,030 |
| Noncurrent loans to loans | 0.0151% | 4,305 |
| Net loans and leases to total assets | 75.3864% | 857 |
| Net loans and leases to deposits | 91.2497% | 837 |
| Net loans and leases to core deposits | 93.4293% | 1,278 |
| Total domestic deposits to total assets | 82.6155% | 3,512 |
| Equity capital to assets | 7.3229% | 4,872 |
| Core capital (leverage) ratio | 7.3960% | 4,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7138% | 1,962 |
| Memoranda: | ||
| Average total assets | $510,010,400 | 1,522 |
| Average earning assets | $479,987,400 | 1,506 |
| Average equity | $39,424,600 | 2,037 |
| Average total loans | $424,456,600 | 1,284 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 3,582 |
| Cost of funding earning assets | 0.8638% | 1,194 |
| Net interest margin | 2.9309% | 4,125 |
| Noninterest income to average assets | 0.3140% | 3,610 |
| Noninterest expense to average assets | 2.5687% | 2,636 |
| Loan and lease loss provision to assets | 0.1278% | 2,751 |
| Net operating income to assets | 0.2966% | 4,455 |
| Return on assets (ROA) | 0.2879% | 4,513 |
| Pretax return on assets | 0.3617% | 4,473 |
| Return on Equity (ROE) | 3.6715% | 4,253 |
| Retained earnings to average equity (ytd only) | 3.4168% | 3,348 |
| Net charge-offs to loans | -0.0125% | 4,282 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3131% | 652 |
| Assets per employee ($millions) | 6.5857% | 1,768 |
| Cash dividends to net income (ytd only)* | 6.9380% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 4,258 |
| Loan loss allowance to noncurrent loans | 2,732.3308% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,060 |
| Noncurrent loans to loans | 0.0307% | 4,279 |
| Net loans and leases to total assets | 77.6259% | 876 |
| Net loans and leases to deposits | 93.8131% | 938 |
| Net loans and leases to core deposits | 95.9422% | 1,460 |
| Total domestic deposits to total assets | 82.7452% | 3,207 |
| Equity capital to assets | 7.1508% | 4,927 |
| Core capital (leverage) ratio | 7.5246% | 4,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1327% | 2,142 |
| Memoranda: | ||
| Average total assets | $500,621,250 | 1,526 |
| Average earning assets | $470,611,250 | 1,514 |
| Average equity | $39,256,250 | 2,040 |
| Average total loans | $426,414,000 | 1,270 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,453 |
| Cost of funding earning assets | 0.9460% | 1,165 |
| Net interest margin | 3.0079% | 4,111 |
| Noninterest income to average assets | 0.3258% | 3,513 |
| Noninterest expense to average assets | 2.6115% | 2,629 |
| Loan and lease loss provision to assets | 0.1056% | 2,957 |
| Net operating income to assets | 0.7539% | 3,207 |
| Return on assets (ROA) | 0.3362% | 4,410 |
| Pretax return on assets | 0.0145% | 4,778 |
| Return on Equity (ROE) | 4.1460% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.7631% | 3,034 |
| Net charge-offs to loans | -0.0014% | 3,781 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5424% | 725 |
| Assets per employee ($millions) | 6.3760% | 1,880 |
| Cash dividends to net income (ytd only)* | 9.2365% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 4,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 4,258 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.9790% | 256 |
| Net loans and leases to deposits | 103.0300% | 413 |
| Net loans and leases to core deposits | 105.4403% | 916 |
| Total domestic deposits to total assets | 81.5093% | 3,493 |
| Equity capital to assets | 7.5780% | 4,858 |
| Core capital (leverage) ratio | 8.3824% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3788% | 2,449 |
| Memoranda: | ||
| Average total assets | $483,096,000 | 1,548 |
| Average earning assets | $453,466,333 | 1,531 |
| Average equity | $39,170,000 | 2,031 |
| Average total loans | $424,219,000 | 1,270 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 3,515 |
| Cost of funding earning assets | 1.0478% | 1,228 |
| Net interest margin | 3.0558% | 4,189 |
| Noninterest income to average assets | 0.3293% | 3,555 |
| Noninterest expense to average assets | 2.7743% | 2,500 |
| Loan and lease loss provision to assets | 0.0257% | 3,468 |
| Net operating income to assets | 0.2843% | 4,377 |
| Return on assets (ROA) | 0.2470% | 4,477 |
| Pretax return on assets | 0.3482% | 4,380 |
| Return on Equity (ROE) | 2.9398% | 4,231 |
| Retained earnings to average equity (ytd only) | 2.1742% | 3,382 |
| Net charge-offs to loans | -0.0019% | 3,642 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4198% | 675 |
| Assets per employee ($millions) | 5.5345% | 2,080 |
| Cash dividends to net income (ytd only)* | 26.0417% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 4,521 |
| Loan loss allowance to noncurrent loans | 794.4444% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 3,923 |
| Noncurrent loans to loans | 0.0944% | 4,129 |
| Net loans and leases to total assets | 88.4711% | 61 |
| Net loans and leases to deposits | 112.7382% | 151 |
| Net loans and leases to core deposits | 115.7446% | 597 |
| Total domestic deposits to total assets | 78.4748% | 4,139 |
| Equity capital to assets | 8.2249% | 4,924 |
| Core capital (leverage) ratio | 8.6684% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6942% | 2,398 |
| Memoranda: | ||
| Average total assets | $466,417,000 | 1,547 |
| Average earning assets | $437,468,000 | 1,529 |
| Average equity | $39,186,500 | 2,017 |
| Average total loans | $417,786,000 | 1,254 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 3,947 |
| Cost of funding earning assets | 1.0790% | 1,407 |
| Net interest margin | 3.0631% | 4,429 |
| Noninterest income to average assets | 0.3697% | 3,490 |
| Noninterest expense to average assets | 2.6991% | 2,884 |
| Loan and lease loss provision to assets | 0.0317% | 3,381 |
| Net operating income to assets | 0.3747% | 4,640 |
| Return on assets (ROA) | 0.3591% | 4,694 |
| Pretax return on assets | 0.4954% | 4,588 |
| Return on Equity (ROE) | 4.3186% | 4,394 |
| Retained earnings to average equity (ytd only) | 2.9833% | 3,541 |
| Net charge-offs to loans | -0.0022% | 4,233 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7708% | 749 |
| Assets per employee ($millions) | 5.3149% | 2,229 |
| Cash dividends to net income (ytd only)* | 30.9187% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7481% | 4,459 |
| Loan loss allowance to noncurrent loans | 778.5000% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 3,768 |
| Noncurrent loans to loans | 0.0961% | 4,140 |
| Net loans and leases to total assets | 89.3412% | 56 |
| Net loans and leases to deposits | 112.5216% | 150 |
| Net loans and leases to core deposits | 115.5286% | 620 |
| Total domestic deposits to total assets | 79.3992% | 4,101 |
| Equity capital to assets | 8.5813% | 4,877 |
| Core capital (leverage) ratio | 8.4299% | 4,879 |
| Tier 1 risk-based capital ratio | 12.7063% | 3,943 |
| Total risk-based capital ratio | 13.6952% | 3,978 |
| Memoranda: | ||
| Average total assets | $472,788,800 | 1,486 |
| Average earning assets | $443,930,800 | 1,473 |
| Average equity | $39,318,400 | 1,968 |
| Average total loans | $411,394,800 | 1,240 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 4,099 |
| Cost of funding earning assets | 1.0767% | 1,442 |
| Net interest margin | 3.0494% | 4,559 |
| Noninterest income to average assets | 0.3957% | 3,346 |
| Noninterest expense to average assets | 2.7416% | 2,741 |
| Loan and lease loss provision to assets | 0.0379% | 3,140 |
| Net operating income to assets | 0.3516% | 4,786 |
| Return on assets (ROA) | 0.3405% | 4,819 |
| Pretax return on assets | 0.4659% | 4,737 |
| Return on Equity (ROE) | 4.1262% | 4,567 |
| Retained earnings to average equity (ytd only) | 2.5967% | 4,051 |
| Net charge-offs to loans | -0.0013% | 4,016 |
| Credit loss provision to net charge-offs | -3,375.0000% | 4,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7363% | 631 |
| Assets per employee ($millions) | 5.3991% | 2,120 |
| Cash dividends to net income (ytd only)* | 37.0678% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 4,529 |
| Loan loss allowance to noncurrent loans | 695.2809% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,258 |
| Noncurrent loans to loans | 0.1088% | 4,157 |
| Net loans and leases to total assets | 83.5540% | 399 |
| Net loans and leases to deposits | 102.7010% | 465 |
| Net loans and leases to core deposits | 105.3535% | 1,230 |
| Total domestic deposits to total assets | 81.3565% | 3,649 |
| Equity capital to assets | 8.0404% | 5,118 |
| Core capital (leverage) ratio | 8.1312% | 5,083 |
| Tier 1 risk-based capital ratio | 12.8108% | 3,951 |
| Total risk-based capital ratio | 13.8121% | 3,983 |
| Memoranda: | ||
| Average total assets | $475,386,250 | 1,496 |
| Average earning assets | $446,421,750 | 1,471 |
| Average equity | $39,228,000 | 1,979 |
| Average total loans | $410,186,750 | 1,253 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 4,075 |
| Cost of funding earning assets | 1.0846% | 1,359 |
| Net interest margin | 3.0517% | 4,606 |
| Noninterest income to average assets | 0.4043% | 3,252 |
| Noninterest expense to average assets | 2.7427% | 2,776 |
| Loan and lease loss provision to assets | 0.0509% | 2,800 |
| Net operating income to assets | 0.3486% | 4,807 |
| Return on assets (ROA) | 0.3319% | 4,848 |
| Pretax return on assets | 0.4565% | 4,757 |
| Return on Equity (ROE) | 3.9867% | 4,590 |
| Retained earnings to average equity (ytd only) | 2.4592% | 3,959 |
| Net charge-offs to loans | -0.0024% | 3,994 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4672% | 696 |
| Assets per employee ($millions) | 5.2354% | 2,221 |
| Cash dividends to net income (ytd only)* | 38.3142% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 4,608 |
| Loan loss allowance to noncurrent loans | 665.2268% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 4,264 |
| Noncurrent loans to loans | 0.1124% | 4,170 |
| Net loans and leases to total assets | 86.7549% | 163 |
| Net loans and leases to deposits | 108.3401% | 261 |
| Net loans and leases to core deposits | 111.8430% | 873 |
| Total domestic deposits to total assets | 80.0764% | 4,025 |
| Equity capital to assets | 8.2806% | 5,124 |
| Core capital (leverage) ratio | 8.4041% | 5,008 |
| Tier 1 risk-based capital ratio | 12.6319% | 4,055 |
| Total risk-based capital ratio | 13.6224% | 4,076 |
| Memoranda: | ||
| Average total assets | $471,874,000 | 1,507 |
| Average earning assets | $443,289,670 | 1,484 |
| Average equity | $39,280,670 | 1,970 |
| Average total loans | $410,548,330 | 1,254 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 4,042 |
| Cost of funding earning assets | 1.0590% | 1,342 |
| Net interest margin | 3.0769% | 4,627 |
| Noninterest income to average assets | 0.4388% | 2,920 |
| Noninterest expense to average assets | 2.7750% | 2,664 |
| Loan and lease loss provision to assets | 0.0508% | 2,636 |
| Net operating income to assets | 0.3719% | 4,787 |
| Return on assets (ROA) | 0.3719% | 4,792 |
| Pretax return on assets | 0.5049% | 4,671 |
| Return on Equity (ROE) | 4.4554% | 4,483 |
| Retained earnings to average equity (ytd only) | 2.9331% | 3,765 |
| Net charge-offs to loans | -0.0029% | 3,919 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9349% | 792 |
| Assets per employee ($millions) | 5.5769% | 1,908 |
| Cash dividends to net income (ytd only)* | 34.1686% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 4,701 |
| Loan loss allowance to noncurrent loans | 681.2641% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 4,345 |
| Noncurrent loans to loans | 0.1080% | 4,252 |
| Net loans and leases to total assets | 85.8654% | 200 |
| Net loans and leases to deposits | 106.9751% | 293 |
| Net loans and leases to core deposits | 110.4954% | 903 |
| Total domestic deposits to total assets | 80.2667% | 4,124 |
| Equity capital to assets | 8.2996% | 5,082 |
| Core capital (leverage) ratio | 8.3519% | 5,086 |
| Tier 1 risk-based capital ratio | 12.7216% | 4,028 |
| Total risk-based capital ratio | 13.7049% | 4,062 |
| Memoranda: | ||
| Average total assets | $472,218,500 | 1,517 |
| Average earning assets | $443,821,500 | 1,496 |
| Average equity | $39,412,500 | 1,948 |
| Average total loans | $409,894,500 | 1,263 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 3,809 |
| Cost of funding earning assets | 0.9315% | 991 |
| Net interest margin | 3.1461% | 4,587 |
| Noninterest income to average assets | 0.3570% | 3,706 |
| Noninterest expense to average assets | 2.5131% | 3,574 |
| Loan and lease loss provision to assets | 0.0508% | 3,171 |
| Net operating income to assets | 0.5323% | 4,591 |
| Return on assets (ROA) | 0.4914% | 4,681 |
| Pretax return on assets | 0.6994% | 4,418 |
| Return on Equity (ROE) | 5.9653% | 4,188 |
| Retained earnings to average equity (ytd only) | 4.4239% | 3,100 |
| Net charge-offs to loans | -0.0019% | 4,230 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4309% | 1,435 |
| Assets per employee ($millions) | 5.7366% | 1,727 |
| Cash dividends to net income (ytd only)* | 25.8398% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7212% | 4,759 |
| Loan loss allowance to noncurrent loans | 505.1282% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,068 |
| Noncurrent loans to loans | 0.1428% | 4,099 |
| Net loans and leases to total assets | 86.4758% | 209 |
| Net loans and leases to deposits | 108.8173% | 282 |
| Net loans and leases to core deposits | 111.5455% | 904 |
| Total domestic deposits to total assets | 79.4688% | 4,219 |
| Equity capital to assets | 8.3933% | 4,992 |
| Core capital (leverage) ratio | 8.1002% | 5,206 |
| Tier 1 risk-based capital ratio | 12.6493% | 4,050 |
| Total risk-based capital ratio | 13.6135% | 4,081 |
| Memoranda: | ||
| Average total assets | $472,571,400 | 1,481 |
| Average earning assets | $444,333,800 | 1,466 |
| Average equity | $38,925,000 | 1,908 |
| Average total loans | $411,490,400 | 1,225 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,815 |
| Cost of funding earning assets | 0.8990% | 927 |
| Net interest margin | 3.1419% | 4,631 |
| Noninterest income to average assets | 0.3182% | 4,019 |
| Noninterest expense to average assets | 2.4729% | 3,671 |
| Loan and lease loss provision to assets | 0.0507% | 2,974 |
| Net operating income to assets | 0.5343% | 4,687 |
| Return on assets (ROA) | 0.5075% | 4,750 |
| Pretax return on assets | 0.7152% | 4,497 |
| Return on Equity (ROE) | 6.1911% | 4,205 |
| Retained earnings to average equity (ytd only) | 4.6442% | 3,425 |
| Net charge-offs to loans | -0.0019% | 4,083 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1830% | 1,438 |
| Assets per employee ($millions) | 5.8057% | 1,637 |
| Cash dividends to net income (ytd only)* | 24.9864% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 4,866 |
| Loan loss allowance to noncurrent loans | 1,029.8932% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 4,551 |
| Noncurrent loans to loans | 0.0685% | 4,575 |
| Net loans and leases to total assets | 83.4987% | 516 |
| Net loans and leases to deposits | 104.3107% | 531 |
| Net loans and leases to core deposits | 106.9021% | 1,237 |
| Total domestic deposits to total assets | 80.0481% | 4,110 |
| Equity capital to assets | 8.1261% | 5,125 |
| Core capital (leverage) ratio | 7.8511% | 5,348 |
| Tier 1 risk-based capital ratio | 12.6789% | 4,092 |
| Total risk-based capital ratio | 13.6351% | 4,156 |
| Memoranda: | ||
| Average total assets | $473,114,250 | 1,487 |
| Average earning assets | $444,903,750 | 1,470 |
| Average equity | $38,785,750 | 1,915 |
| Average total loans | $411,928,750 | 1,225 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 3,722 |
| Cost of funding earning assets | 0.8726% | 819 |
| Net interest margin | 3.1487% | 4,620 |
| Noninterest income to average assets | 0.3088% | 4,104 |
| Noninterest expense to average assets | 2.4687% | 3,723 |
| Loan and lease loss provision to assets | 0.0513% | 2,890 |
| Net operating income to assets | 0.5428% | 4,642 |
| Return on assets (ROA) | 0.5023% | 4,749 |
| Pretax return on assets | 0.6983% | 4,517 |
| Return on Equity (ROE) | 6.1083% | 4,189 |
| Retained earnings to average equity (ytd only) | 4.5501% | 3,320 |
| Net charge-offs to loans | -0.0029% | 4,005 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1274% | 1,540 |
| Assets per employee ($millions) | 5.6783% | 1,735 |
| Cash dividends to net income (ytd only)* | 25.5102% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6847% | 4,973 |
| Loan loss allowance to noncurrent loans | 1,004.6099% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 4,580 |
| Noncurrent loans to loans | 0.0682% | 4,614 |
| Net loans and leases to total assets | 86.1508% | 252 |
| Net loans and leases to deposits | 111.1181% | 255 |
| Net loans and leases to core deposits | 114.1791% | 786 |
| Total domestic deposits to total assets | 77.5309% | 4,659 |
| Equity capital to assets | 8.2143% | 5,125 |
| Core capital (leverage) ratio | 8.2492% | 5,234 |
| Tier 1 risk-based capital ratio | 12.4071% | 4,240 |
| Total risk-based capital ratio | 13.3343% | 4,320 |
| Memoranda: | ||
| Average total assets | $468,260,000 | 1,507 |
| Average earning assets | $440,302,000 | 1,490 |
| Average equity | $38,504,670 | 1,931 |
| Average total loans | $412,539,000 | 1,221 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 3,531 |
| Cost of funding earning assets | 0.8483% | 773 |
| Net interest margin | 3.1743% | 4,545 |
| Noninterest income to average assets | 0.3061% | 4,115 |
| Noninterest expense to average assets | 2.5523% | 3,487 |
| Loan and lease loss provision to assets | 0.0517% | 2,740 |
| Net operating income to assets | 0.5130% | 4,660 |
| Return on assets (ROA) | 0.5130% | 4,661 |
| Pretax return on assets | 0.6932% | 4,457 |
| Return on Equity (ROE) | 6.2358% | 4,086 |
| Retained earnings to average equity (ytd only) | 4.6637% | 3,327 |
| Net charge-offs to loans | -0.0019% | 3,809 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0136% | 1,459 |
| Assets per employee ($millions) | 5.7517% | 1,722 |
| Cash dividends to net income (ytd only)* | 25.2101% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6746% | 5,070 |
| Loan loss allowance to noncurrent loans | 503.4545% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 4,504 |
| Noncurrent loans to loans | 0.1340% | 4,368 |
| Net loans and leases to total assets | 87.5138% | 161 |
| Net loans and leases to deposits | 111.9027% | 212 |
| Net loans and leases to core deposits | 118.0224% | 652 |
| Total domestic deposits to total assets | 78.2053% | 4,699 |
| Equity capital to assets | 8.2928% | 5,111 |
| Core capital (leverage) ratio | 8.1535% | 5,342 |
| Tier 1 risk-based capital ratio | 12.3718% | 4,328 |
| Total risk-based capital ratio | 13.2860% | 4,416 |
| Memoranda: | ||
| Average total assets | $463,903,000 | 1,531 |
| Average earning assets | $437,129,500 | 1,504 |
| Average equity | $38,167,000 | 1,946 |
| Average total loans | $411,933,500 | 1,233 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 3,473 |
| Cost of funding earning assets | 0.8092% | 587 |
| Net interest margin | 3.1702% | 4,520 |
| Noninterest income to average assets | 0.3697% | 3,825 |
| Noninterest expense to average assets | 2.5317% | 3,675 |
| Loan and lease loss provision to assets | 0.0417% | 3,427 |
| Net operating income to assets | 0.4034% | 4,677 |
| Return on assets (ROA) | 0.3995% | 4,711 |
| Pretax return on assets | 0.7769% | 4,310 |
| Return on Equity (ROE) | 4.9050% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.2897% | 3,332 |
| Net charge-offs to loans | 0.0302% | 3,196 |
| Credit loss provision to net charge-offs | 157.0248% | 1,704 |
| Earnings coverage of net charge-offs (x) | 31.0826% | 1,510 |
| Efficiency ratio | 75.0441% | 1,756 |
| Assets per employee ($millions) | 5.7027% | 1,751 |
| Cash dividends to net income (ytd only)* | 32.9308% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6548% | 5,149 |
| Loan loss allowance to noncurrent loans | 371.3306% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 4,139 |
| Noncurrent loans to loans | 0.1763% | 4,212 |
| Net loans and leases to total assets | 88.9064% | 103 |
| Net loans and leases to deposits | 110.5792% | 253 |
| Net loans and leases to core deposits | 116.6444% | 701 |
| Total domestic deposits to total assets | 80.4006% | 4,263 |
| Equity capital to assets | 8.1613% | 5,324 |
| Core capital (leverage) ratio | 7.8373% | 5,486 |
| Tier 1 risk-based capital ratio | 12.2429% | 4,371 |
| Total risk-based capital ratio | 13.1365% | 4,488 |
| Memoranda: | ||
| Average total assets | $456,064,000 | 1,530 |
| Average earning assets | $429,659,200 | 1,502 |
| Average equity | $37,145,800 | 1,971 |
| Average total loans | $401,243,200 | 1,228 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 3,552 |
| Cost of funding earning assets | 0.7878% | 618 |
| Net interest margin | 3.1527% | 4,574 |
| Noninterest income to average assets | 0.3877% | 3,770 |
| Noninterest expense to average assets | 2.5631% | 3,527 |
| Loan and lease loss provision to assets | 0.0381% | 3,343 |
| Net operating income to assets | 0.5039% | 4,718 |
| Return on assets (ROA) | 0.5039% | 4,752 |
| Pretax return on assets | 0.7561% | 4,463 |
| Return on Equity (ROE) | 6.1896% | 4,037 |
| Retained earnings to average equity (ytd only) | 4.5683% | 3,169 |
| Net charge-offs to loans | 0.0408% | 2,621 |
| Credit loss provision to net charge-offs | 106.5574% | 2,188 |
| Earnings coverage of net charge-offs (x) | 22.1971% | 1,877 |
| Efficiency ratio | 75.9588% | 1,600 |
| Assets per employee ($millions) | 5.6853% | 1,736 |
| Cash dividends to net income (ytd only)* | 26.1935% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 5,236 |
| Loan loss allowance to noncurrent loans | 217.1593% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 3,732 |
| Noncurrent loans to loans | 0.2992% | 3,869 |
| Net loans and leases to total assets | 84.6799% | 369 |
| Net loans and leases to deposits | 104.5986% | 469 |
| Net loans and leases to core deposits | 107.5558% | 1,165 |
| Total domestic deposits to total assets | 80.9570% | 4,055 |
| Equity capital to assets | 7.8721% | 5,551 |
| Core capital (leverage) ratio | 7.8804% | 5,548 |
| Tier 1 risk-based capital ratio | 12.3907% | 4,387 |
| Total risk-based capital ratio | 13.2727% | 4,491 |
| Memoranda: | ||
| Average total assets | $454,599,500 | 1,544 |
| Average earning assets | $428,196,000 | 1,524 |
| Average equity | $37,007,500 | 1,989 |
| Average total loans | $398,207,750 | 1,244 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 3,438 |
| Cost of funding earning assets | 0.7754% | 597 |
| Net interest margin | 3.1582% | 4,524 |
| Noninterest income to average assets | 0.4086% | 3,638 |
| Noninterest expense to average assets | 2.6111% | 3,399 |
| Loan and lease loss provision to assets | 0.0313% | 3,371 |
| Net operating income to assets | 0.5079% | 4,684 |
| Return on assets (ROA) | 0.5079% | 4,719 |
| Pretax return on assets | 0.7406% | 4,450 |
| Return on Equity (ROE) | 6.1665% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.5366% | 3,009 |
| Net charge-offs to loans | 0.0541% | 2,155 |
| Credit loss provision to net charge-offs | 65.4206% | 2,420 |
| Earnings coverage of net charge-offs (x) | 16.1215% | 1,992 |
| Efficiency ratio | 76.7989% | 1,608 |
| Assets per employee ($millions) | 5.5221% | 1,852 |
| Cash dividends to net income (ytd only)* | 26.4317% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6430% | 5,318 |
| Loan loss allowance to noncurrent loans | 436.4094% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 4,324 |
| Noncurrent loans to loans | 0.1473% | 4,522 |
| Net loans and leases to total assets | 88.7623% | 117 |
| Net loans and leases to deposits | 113.8722% | 197 |
| Net loans and leases to core deposits | 117.5073% | 660 |
| Total domestic deposits to total assets | 77.9490% | 4,824 |
| Equity capital to assets | 8.2078% | 5,444 |
| Core capital (leverage) ratio | 8.2646% | 5,383 |
| Tier 1 risk-based capital ratio | 12.3731% | 4,370 |
| Total risk-based capital ratio | 13.2490% | 4,519 |
| Memoranda: | ||
| Average total assets | $446,945,670 | 1,572 |
| Average earning assets | $420,940,670 | 1,544 |
| Average equity | $36,812,000 | 1,989 |
| Average total loans | $395,262,670 | 1,252 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 3,367 |
| Cost of funding earning assets | 0.7579% | 623 |
| Net interest margin | 3.1518% | 4,495 |
| Noninterest income to average assets | 0.3072% | 4,363 |
| Noninterest expense to average assets | 2.5162% | 3,761 |
| Loan and lease loss provision to assets | 0.0270% | 3,222 |
| Net operating income to assets | 0.4685% | 4,711 |
| Return on assets (ROA) | 0.4685% | 4,734 |
| Pretax return on assets | 0.7351% | 4,330 |
| Return on Equity (ROE) | 5.6776% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.0399% | 3,440 |
| Net charge-offs to loans | 0.0266% | 2,223 |
| Credit loss provision to net charge-offs | 115.3846% | 1,437 |
| Earnings coverage of net charge-offs (x) | 32.5385% | 1,169 |
| Efficiency ratio | 76.3397% | 1,859 |
| Assets per employee ($millions) | 5.9231% | 1,562 |
| Cash dividends to net income (ytd only)* | 28.8462% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 5,357 |
| Loan loss allowance to noncurrent loans | 363.9118% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 4,151 |
| Noncurrent loans to loans | 0.1851% | 4,460 |
| Net loans and leases to total assets | 87.6802% | 127 |
| Net loans and leases to deposits | 109.8980% | 219 |
| Net loans and leases to core deposits | 113.6089% | 694 |
| Total domestic deposits to total assets | 79.7832% | 4,662 |
| Equity capital to assets | 8.3001% | 5,355 |
| Core capital (leverage) ratio | 8.1259% | 5,495 |
| Tier 1 risk-based capital ratio | 12.4286% | 4,428 |
| Total risk-based capital ratio | 13.3403% | 4,552 |
| Memoranda: | ||
| Average total assets | $444,011,500 | 1,586 |
| Average earning assets | $418,549,500 | 1,565 |
| Average equity | $36,635,000 | 2,000 |
| Average total loans | $390,629,500 | 1,272 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 3,399 |
| Cost of funding earning assets | 0.7819% | 549 |
| Net interest margin | 3.1644% | 4,551 |
| Noninterest income to average assets | 0.3317% | 4,361 |
| Noninterest expense to average assets | 2.5803% | 3,739 |
| Loan and lease loss provision to assets | 0.0343% | 3,679 |
| Net operating income to assets | 0.4457% | 4,813 |
| Return on assets (ROA) | 0.4457% | 4,892 |
| Pretax return on assets | 0.6940% | 4,513 |
| Return on Equity (ROE) | 5.5245% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.8255% | 3,197 |
| Net charge-offs to loans | 0.0040% | 4,109 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 212.5333% | 326 |
| Efficiency ratio | 77.5822% | 1,760 |
| Assets per employee ($millions) | 5.7635% | 1,650 |
| Cash dividends to net income (ytd only)* | 30.7535% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 5,400 |
| Loan loss allowance to noncurrent loans | 253.6538% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 4,369 |
| Noncurrent loans to loans | 0.2673% | 4,195 |
| Net loans and leases to total assets | 87.0850% | 177 |
| Net loans and leases to deposits | 108.9009% | 252 |
| Net loans and leases to core deposits | 112.5647% | 754 |
| Total domestic deposits to total assets | 79.9672% | 4,583 |
| Equity capital to assets | 8.2017% | 5,469 |
| Core capital (leverage) ratio | 7.9052% | 5,660 |
| Tier 1 risk-based capital ratio | 13.0375% | 4,045 |
| Total risk-based capital ratio | 14.0095% | 4,119 |
| Memoranda: | ||
| Average total assets | $437,773,400 | 1,554 |
| Average earning assets | $411,836,600 | 1,528 |
| Average equity | $35,315,200 | 2,059 |
| Average total loans | $376,422,800 | 1,257 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 3,508 |
| Cost of funding earning assets | 0.7838% | 548 |
| Net interest margin | 3.1412% | 4,668 |
| Noninterest income to average assets | 0.3649% | 4,166 |
| Noninterest expense to average assets | 2.6610% | 3,464 |
| Loan and lease loss provision to assets | 0.0275% | 3,692 |
| Net operating income to assets | 0.4181% | 4,965 |
| Return on assets (ROA) | 0.4181% | 5,052 |
| Pretax return on assets | 0.6296% | 4,802 |
| Return on Equity (ROE) | 5.2047% | 4,432 |
| Retained earnings to average equity (ytd only) | 3.4926% | 3,804 |
| Net charge-offs to loans | -0.0129% | 4,864 |
| Credit loss provision to net charge-offs | -250.0000% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7918% | 1,459 |
| Assets per employee ($millions) | 5.7965% | 1,583 |
| Cash dividends to net income (ytd only)* | 32.8951% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 5,441 |
| Loan loss allowance to noncurrent loans | 278.7911% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,610 |
| Noncurrent loans to loans | 0.2489% | 4,375 |
| Net loans and leases to total assets | 82.1563% | 593 |
| Net loans and leases to deposits | 101.5971% | 600 |
| Net loans and leases to core deposits | 104.7950% | 1,285 |
| Total domestic deposits to total assets | 80.8648% | 4,282 |
| Equity capital to assets | 7.6989% | 5,808 |
| Core capital (leverage) ratio | 7.7789% | 5,767 |
| Tier 1 risk-based capital ratio | 12.7194% | 4,331 |
| Total risk-based capital ratio | 13.6864% | 4,412 |
| Memoranda: | ||
| Average total assets | $436,269,750 | 1,552 |
| Average earning assets | $410,151,750 | 1,530 |
| Average equity | $35,044,500 | 2,088 |
| Average total loans | $373,250,750 | 1,262 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9394% | 3,470 |
| Cost of funding earning assets | 0.8014% | 490 |
| Net interest margin | 3.1380% | 4,728 |
| Noninterest income to average assets | 0.3613% | 4,179 |
| Noninterest expense to average assets | 2.7097% | 3,360 |
| Loan and lease loss provision to assets | 0.0280% | 3,567 |
| Net operating income to assets | 0.3883% | 5,070 |
| Return on assets (ROA) | 0.3883% | 5,148 |
| Pretax return on assets | 0.5715% | 4,970 |
| Return on Equity (ROE) | 4.7635% | 4,621 |
| Retained earnings to average equity (ytd only) | 3.0479% | 3,974 |
| Net charge-offs to loans | -0.0070% | 4,609 |
| Credit loss provision to net charge-offs | -461.5385% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4763% | 1,333 |
| Assets per employee ($millions) | 5.4490% | 1,844 |
| Cash dividends to net income (ytd only)* | 36.0144% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 5,562 |
| Loan loss allowance to noncurrent loans | 232.2813% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 4,483 |
| Noncurrent loans to loans | 0.2917% | 4,328 |
| Net loans and leases to total assets | 86.6305% | 207 |
| Net loans and leases to deposits | 109.1363% | 276 |
| Net loans and leases to core deposits | 112.0265% | 811 |
| Total domestic deposits to total assets | 79.3783% | 4,698 |
| Equity capital to assets | 8.0483% | 5,791 |
| Core capital (leverage) ratio | 7.7371% | 5,835 |
| Tier 1 risk-based capital ratio | 11.7882% | 4,982 |
| Total risk-based capital ratio | 12.7422% | 5,048 |
| Memoranda: | ||
| Average total assets | $429,053,000 | 1,580 |
| Average earning assets | $403,056,670 | 1,560 |
| Average equity | $34,974,330 | 2,088 |
| Average total loans | $371,388,000 | 1,264 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,387 |
| Cost of funding earning assets | 0.8119% | 463 |
| Net interest margin | 3.1426% | 4,745 |
| Noninterest income to average assets | 0.3355% | 4,332 |
| Noninterest expense to average assets | 2.7236% | 3,333 |
| Loan and lease loss provision to assets | 0.0282% | 3,284 |
| Net operating income to assets | 0.3524% | 5,141 |
| Return on assets (ROA) | 0.3524% | 5,227 |
| Pretax return on assets | 0.5376% | 4,988 |
| Return on Equity (ROE) | 4.2956% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.5774% | 4,212 |
| Net charge-offs to loans | -0.0076% | 4,423 |
| Credit loss provision to net charge-offs | -428.5714% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3714% | 1,339 |
| Assets per employee ($millions) | 5.3547% | 1,975 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 5,620 |
| Loan loss allowance to noncurrent loans | 220.8696% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 4,483 |
| Noncurrent loans to loans | 0.3101% | 4,317 |
| Net loans and leases to total assets | 85.9915% | 215 |
| Net loans and leases to deposits | 108.6516% | 261 |
| Net loans and leases to core deposits | 111.7148% | 764 |
| Total domestic deposits to total assets | 79.1442% | 4,937 |
| Equity capital to assets | 8.1263% | 5,774 |
| Core capital (leverage) ratio | 7.7889% | 5,854 |
| Tier 1 risk-based capital ratio | 11.8779% | 4,988 |
| Total risk-based capital ratio | 12.8376% | 5,085 |
| Memoranda: | ||
| Average total assets | $425,620,000 | 1,594 |
| Average earning assets | $400,054,000 | 1,569 |
| Average equity | $34,919,500 | 2,093 |
| Average total loans | $366,974,500 | 1,277 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 3,813 |
| Cost of funding earning assets | 0.8724% | 328 |
| Net interest margin | 2.9974% | 5,144 |
| Noninterest income to average assets | 0.3517% | 4,389 |
| Noninterest expense to average assets | 2.5593% | 4,041 |
| Loan and lease loss provision to assets | 0.0232% | 3,920 |
| Net operating income to assets | 0.3816% | 5,103 |
| Return on assets (ROA) | 0.3816% | 5,190 |
| Pretax return on assets | 0.5834% | 4,887 |
| Return on Equity (ROE) | 4.5598% | 4,712 |
| Retained earnings to average equity (ytd only) | -1.0939% | 5,670 |
| Net charge-offs to loans | 0.0290% | 3,643 |
| Credit loss provision to net charge-offs | 96.0784% | 2,638 |
| Earnings coverage of net charge-offs (x) | 25.0784% | 1,643 |
| Efficiency ratio | 80.3970% | 1,623 |
| Assets per employee ($millions) | 5.4918% | 1,814 |
| Cash dividends to net income (ytd only)* | 123.9901% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6895% | 5,651 |
| Loan loss allowance to noncurrent loans | 220.9179% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 4,455 |
| Noncurrent loans to loans | 0.3121% | 4,342 |
| Net loans and leases to total assets | 85.2613% | 291 |
| Net loans and leases to deposits | 106.4721% | 344 |
| Net loans and leases to core deposits | 109.5673% | 880 |
| Total domestic deposits to total assets | 80.0785% | 4,726 |
| Equity capital to assets | 8.2835% | 5,715 |
| Core capital (leverage) ratio | 7.6440% | 5,946 |
| Tier 1 risk-based capital ratio | 12.3439% | 4,735 |
| Total risk-based capital ratio | 13.3307% | 4,805 |
| Memoranda: | ||
| Average total assets | $421,670,600 | 1,573 |
| Average earning assets | $395,911,800 | 1,544 |
| Average equity | $35,286,400 | 2,022 |
| Average total loans | $352,070,200 | 1,281 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8564% | 3,912 |
| Cost of funding earning assets | 0.8817% | 316 |
| Net interest margin | 2.9747% | 5,258 |
| Noninterest income to average assets | 0.3477% | 4,451 |
| Noninterest expense to average assets | 2.5247% | 4,117 |
| Loan and lease loss provision to assets | 0.0206% | 3,865 |
| Net operating income to assets | 0.3882% | 5,203 |
| Return on assets (ROA) | 0.3882% | 5,291 |
| Pretax return on assets | 0.5942% | 4,986 |
| Return on Equity (ROE) | 4.6278% | 4,784 |
| Retained earnings to average equity (ytd only) | -0.4639% | 5,685 |
| Net charge-offs to loans | 0.0382% | 3,130 |
| Credit loss provision to net charge-offs | 65.0000% | 2,842 |
| Earnings coverage of net charge-offs (x) | 19.4300% | 1,938 |
| Efficiency ratio | 79.9738% | 1,655 |
| Assets per employee ($millions) | 5.7586% | 1,542 |
| Cash dividends to net income (ytd only)* | 110.0247% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6910% | 5,750 |
| Loan loss allowance to noncurrent loans | 303.6855% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 5,021 |
| Noncurrent loans to loans | 0.2275% | 4,749 |
| Net loans and leases to total assets | 80.1268% | 810 |
| Net loans and leases to deposits | 99.2724% | 708 |
| Net loans and leases to core deposits | 102.1682% | 1,371 |
| Total domestic deposits to total assets | 80.7141% | 4,543 |
| Equity capital to assets | 7.9227% | 5,982 |
| Core capital (leverage) ratio | 7.5002% | 6,056 |
| Tier 1 risk-based capital ratio | 12.5464% | 4,724 |
| Total risk-based capital ratio | 13.5503% | 4,786 |
| Memoranda: | ||
| Average total assets | $421,372,000 | 1,589 |
| Average earning assets | $395,454,750 | 1,557 |
| Average equity | $35,351,000 | 2,025 |
| Average total loans | $349,327,000 | 1,296 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 3,661 |
| Cost of funding earning assets | 0.9049% | 282 |
| Net interest margin | 3.0010% | 5,216 |
| Noninterest income to average assets | 0.3232% | 4,636 |
| Noninterest expense to average assets | 2.5052% | 4,226 |
| Loan and lease loss provision to assets | 0.0169% | 3,787 |
| Net operating income to assets | 0.4005% | 5,133 |
| Return on assets (ROA) | 0.4005% | 5,240 |
| Pretax return on assets | 0.6125% | 4,945 |
| Return on Equity (ROE) | 4.6804% | 4,756 |
| Retained earnings to average equity (ytd only) | -0.4009% | 5,587 |
| Net charge-offs to loans | 0.0606% | 2,521 |
| Credit loss provision to net charge-offs | 33.3333% | 2,886 |
| Earnings coverage of net charge-offs (x) | 12.4095% | 2,206 |
| Efficiency ratio | 79.4730% | 1,843 |
| Assets per employee ($millions) | 5.3768% | 1,858 |
| Cash dividends to net income (ytd only)* | 108.5645% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6896% | 5,837 |
| Loan loss allowance to noncurrent loans | 299.0184% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 4,995 |
| Noncurrent loans to loans | 0.2306% | 4,849 |
| Net loans and leases to total assets | 83.6847% | 397 |
| Net loans and leases to deposits | 104.9577% | 411 |
| Net loans and leases to core deposits | 108.2240% | 938 |
| Total domestic deposits to total assets | 79.7318% | 4,920 |
| Equity capital to assets | 8.4682% | 5,711 |
| Core capital (leverage) ratio | 8.0018% | 5,931 |
| Tier 1 risk-based capital ratio | 13.1283% | 4,439 |
| Total risk-based capital ratio | 14.1595% | 4,486 |
| Memoranda: | ||
| Average total assets | $414,025,670 | 1,617 |
| Average earning assets | $387,874,670 | 1,594 |
| Average equity | $35,424,670 | 2,029 |
| Average total loans | $346,515,000 | 1,306 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 3,705 |
| Cost of funding earning assets | 0.9187% | 262 |
| Net interest margin | 2.9596% | 5,321 |
| Noninterest income to average assets | 0.2966% | 4,795 |
| Noninterest expense to average assets | 2.4875% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3792% | 5,145 |
| Return on assets (ROA) | 0.3792% | 5,266 |
| Pretax return on assets | 0.5786% | 4,972 |
| Return on Equity (ROE) | 4.4093% | 4,801 |
| Retained earnings to average equity (ytd only) | -0.6784% | 5,497 |
| Net charge-offs to loans | 0.1049% | 1,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.6111% | 2,266 |
| Efficiency ratio | 80.6533% | 1,807 |
| Assets per employee ($millions) | 5.5872% | 1,723 |
| Cash dividends to net income (ytd only)* | 115.3846% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 5,904 |
| Loan loss allowance to noncurrent loans | 225.0466% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 4,905 |
| Noncurrent loans to loans | 0.3125% | 4,670 |
| Net loans and leases to total assets | 82.5395% | 411 |
| Net loans and leases to deposits | 103.9026% | 371 |
| Net loans and leases to core deposits | 107.6964% | 835 |
| Total domestic deposits to total assets | 79.4393% | 5,189 |
| Equity capital to assets | 8.5417% | 5,711 |
| Core capital (leverage) ratio | 8.0780% | 5,892 |
| Tier 1 risk-based capital ratio | 13.4653% | 4,342 |
| Total risk-based capital ratio | 14.5250% | 4,363 |
| Memoranda: | ||
| Average total assets | $411,343,000 | 1,635 |
| Average earning assets | $384,912,500 | 1,608 |
| Average equity | $35,379,500 | 2,044 |
| Average total loans | $343,071,000 | 1,321 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 3,990 |
| Cost of funding earning assets | 0.9303% | 326 |
| Net interest margin | 3.0064% | 5,437 |
| Noninterest income to average assets | 0.3646% | 4,483 |
| Noninterest expense to average assets | 2.4330% | 4,751 |
| Loan and lease loss provision to assets | 0.0182% | 4,250 |
| Net operating income to assets | 0.4674% | 4,932 |
| Return on assets (ROA) | 0.4674% | 5,035 |
| Pretax return on assets | 0.7255% | 4,527 |
| Return on Equity (ROE) | 5.4784% | 4,419 |
| Retained earnings to average equity (ytd only) | 2.2817% | 4,616 |
| Net charge-offs to loans | 0.0268% | 4,291 |
| Credit loss provision to net charge-offs | 82.4176% | 2,824 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 1,228 |
| Efficiency ratio | 76.5128% | 2,436 |
| Assets per employee ($millions) | 5.5302% | 1,742 |
| Cash dividends to net income (ytd only)* | 58.3506% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 5,920 |
| Loan loss allowance to noncurrent loans | 289.8266% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 5,084 |
| Noncurrent loans to loans | 0.2526% | 4,928 |
| Net loans and leases to total assets | 83.0715% | 425 |
| Net loans and leases to deposits | 104.9085% | 403 |
| Net loans and leases to core deposits | 109.0148% | 828 |
| Total domestic deposits to total assets | 79.1847% | 5,209 |
| Equity capital to assets | 8.6609% | 5,606 |
| Core capital (leverage) ratio | 8.0089% | 5,999 |
| Tier 1 risk-based capital ratio | 13.3602% | 4,498 |
| Total risk-based capital ratio | 14.4464% | 4,516 |
| Memoranda: | ||
| Average total assets | $412,535,000 | 1,601 |
| Average earning assets | $385,877,200 | 1,575 |
| Average equity | $35,192,600 | 1,985 |
| Average total loans | $339,955,800 | 1,287 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 4,032 |
| Cost of funding earning assets | 0.9266% | 349 |
| Net interest margin | 3.0086% | 5,486 |
| Noninterest income to average assets | 0.3784% | 4,408 |
| Noninterest expense to average assets | 2.4501% | 4,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4774% | 4,957 |
| Return on assets (ROA) | 0.4774% | 5,037 |
| Pretax return on assets | 0.7422% | 4,551 |
| Return on Equity (ROE) | 5.6171% | 4,435 |
| Retained earnings to average equity (ytd only) | 3.0553% | 4,441 |
| Net charge-offs to loans | 0.0338% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 26.7567% | 1,477 |
| Efficiency ratio | 76.6697% | 2,387 |
| Assets per employee ($millions) | 5.8396% | 1,454 |
| Cash dividends to net income (ytd only)* | 45.6083% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 6,059 |
| Loan loss allowance to noncurrent loans | 248.1670% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 5,306 |
| Noncurrent loans to loans | 0.2905% | 5,041 |
| Net loans and leases to total assets | 77.6728% | 997 |
| Net loans and leases to deposits | 96.8502% | 808 |
| Net loans and leases to core deposits | 100.5319% | 1,323 |
| Total domestic deposits to total assets | 80.1989% | 5,049 |
| Equity capital to assets | 8.2339% | 5,992 |
| Core capital (leverage) ratio | 7.5513% | 6,261 |
| Tier 1 risk-based capital ratio | 13.3932% | 4,609 |
| Total risk-based capital ratio | 14.4489% | 4,665 |
| Memoranda: | ||
| Average total assets | $413,360,750 | 1,613 |
| Average earning assets | $386,619,000 | 1,584 |
| Average equity | $35,130,000 | 1,998 |
| Average total loans | $339,329,250 | 1,294 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 3,739 |
| Cost of funding earning assets | 0.9370% | 338 |
| Net interest margin | 3.0599% | 5,372 |
| Noninterest income to average assets | 0.3478% | 4,645 |
| Noninterest expense to average assets | 2.4485% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4864% | 4,860 |
| Return on assets (ROA) | 0.4864% | 4,932 |
| Pretax return on assets | 0.7566% | 4,432 |
| Return on Equity (ROE) | 5.6604% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.0875% | 4,241 |
| Net charge-offs to loans | -0.0018% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2416% | 2,579 |
| Assets per employee ($millions) | 5.4672% | 1,726 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 6,111 |
| Loan loss allowance to noncurrent loans | 394.0718% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 5,694 |
| Noncurrent loans to loans | 0.1880% | 5,450 |
| Net loans and leases to total assets | 81.4647% | 525 |
| Net loans and leases to deposits | 102.5156% | 422 |
| Net loans and leases to core deposits | 106.5986% | 864 |
| Total domestic deposits to total assets | 79.4657% | 5,351 |
| Equity capital to assets | 8.4697% | 5,823 |
| Core capital (leverage) ratio | 8.0497% | 6,057 |
| Tier 1 risk-based capital ratio | 13.2534% | 4,752 |
| Total risk-based capital ratio | 14.3449% | 4,789 |
| Memoranda: | ||
| Average total assets | $407,105,330 | 1,633 |
| Average earning assets | $380,144,330 | 1,611 |
| Average equity | $34,979,670 | 1,994 |
| Average total loans | $339,745,000 | 1,293 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,540 |
| Cost of funding earning assets | 0.9445% | 348 |
| Net interest margin | 3.0905% | 5,282 |
| Noninterest income to average assets | 0.3385% | 4,669 |
| Noninterest expense to average assets | 2.4820% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4795% | 4,789 |
| Return on assets (ROA) | 0.4795% | 4,865 |
| Pretax return on assets | 0.7446% | 4,331 |
| Return on Equity (ROE) | 5.5400% | 4,261 |
| Retained earnings to average equity (ytd only) | 2.9593% | 4,329 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6154% | 2,711 |
| Assets per employee ($millions) | 5.5223% | 1,688 |
| Cash dividends to net income (ytd only)* | 46.5839% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 6,205 |
| Loan loss allowance to noncurrent loans | 223.8687% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 5,355 |
| Noncurrent loans to loans | 0.3314% | 5,118 |
| Net loans and leases to total assets | 81.4950% | 395 |
| Net loans and leases to deposits | 102.4473% | 352 |
| Net loans and leases to core deposits | 106.2705% | 747 |
| Total domestic deposits to total assets | 79.5483% | 5,585 |
| Equity capital to assets | 8.4521% | 5,690 |
| Core capital (leverage) ratio | 7.9259% | 6,163 |
| Tier 1 risk-based capital ratio | 13.3194% | 4,814 |
| Total risk-based capital ratio | 14.4239% | 4,842 |
| Memoranda: | ||
| Average total assets | $402,906,000 | 1,659 |
| Average earning assets | $376,511,500 | 1,627 |
| Average equity | $34,873,500 | 1,990 |
| Average total loans | $339,110,000 | 1,297 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,549 |
| Cost of funding earning assets | 1.0033% | 433 |
| Net interest margin | 3.1442% | 5,182 |
| Noninterest income to average assets | 0.3888% | 4,525 |
| Noninterest expense to average assets | 2.5500% | 4,610 |
| Loan and lease loss provision to assets | 0.1039% | 3,061 |
| Net operating income to assets | 0.4338% | 5,019 |
| Return on assets (ROA) | 0.4150% | 5,207 |
| Pretax return on assets | 0.6326% | 4,760 |
| Return on Equity (ROE) | 4.8042% | 4,716 |
| Retained earnings to average equity (ytd only) | 2.6764% | 4,336 |
| Net charge-offs to loans | 0.1055% | 3,774 |
| Credit loss provision to net charge-offs | 116.7139% | 2,062 |
| Earnings coverage of net charge-offs (x) | 8.5949% | 2,640 |
| Efficiency ratio | 76.8464% | 2,648 |
| Assets per employee ($millions) | 5.2219% | 1,938 |
| Cash dividends to net income (ytd only)* | 44.2892% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 6,277 |
| Loan loss allowance to noncurrent loans | 160.1905% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 5,047 |
| Noncurrent loans to loans | 0.4657% | 4,834 |
| Net loans and leases to total assets | 85.7022% | 168 |
| Net loans and leases to deposits | 109.3085% | 183 |
| Net loans and leases to core deposits | 113.6800% | 476 |
| Total domestic deposits to total assets | 78.4040% | 5,760 |
| Equity capital to assets | 8.8706% | 5,178 |
| Core capital (leverage) ratio | 8.3019% | 5,876 |
| Tier 1 risk-based capital ratio | 13.2515% | 4,821 |
| Total risk-based capital ratio | 14.3579% | 4,851 |
| Memoranda: | ||
| Average total assets | $396,591,800 | 1,665 |
| Average earning assets | $369,087,400 | 1,639 |
| Average equity | $34,262,000 | 2,005 |
| Average total loans | $334,485,000 | 1,275 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 3,583 |
| Cost of funding earning assets | 1.0050% | 479 |
| Net interest margin | 3.1410% | 5,186 |
| Noninterest income to average assets | 0.3985% | 4,550 |
| Noninterest expense to average assets | 2.5578% | 4,520 |
| Loan and lease loss provision to assets | 0.1022% | 3,059 |
| Net operating income to assets | 0.4339% | 5,095 |
| Return on assets (ROA) | 0.4089% | 5,351 |
| Pretax return on assets | 0.6220% | 4,941 |
| Return on Equity (ROE) | 4.7643% | 4,846 |
| Retained earnings to average equity (ytd only) | 2.7961% | 4,649 |
| Net charge-offs to loans | 0.1283% | 3,242 |
| Credit loss provision to net charge-offs | 95.0156% | 2,506 |
| Earnings coverage of net charge-offs (x) | 7.0841% | 2,849 |
| Efficiency ratio | 76.9635% | 2,565 |
| Assets per employee ($millions) | 5.4989% | 1,620 |
| Cash dividends to net income (ytd only)* | 41.3112% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7312% | 6,403 |
| Loan loss allowance to noncurrent loans | 199.5110% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 5,564 |
| Noncurrent loans to loans | 0.3665% | 5,297 |
| Net loans and leases to total assets | 78.4954% | 701 |
| Net loans and leases to deposits | 99.6158% | 483 |
| Net loans and leases to core deposits | 103.1347% | 922 |
| Total domestic deposits to total assets | 78.7982% | 5,785 |
| Equity capital to assets | 8.1594% | 6,040 |
| Core capital (leverage) ratio | 7.6751% | 6,380 |
| Tier 1 risk-based capital ratio | 13.3608% | 4,865 |
| Total risk-based capital ratio | 14.4547% | 4,924 |
| Memoranda: | ||
| Average total assets | $397,829,250 | 1,663 |
| Average earning assets | $370,022,750 | 1,640 |
| Average equity | $34,142,250 | 2,029 |
| Average total loans | $333,564,000 | 1,279 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 3,151 |
| Cost of funding earning assets | 1.0339% | 458 |
| Net interest margin | 3.2174% | 4,879 |
| Noninterest income to average assets | 0.3935% | 4,571 |
| Noninterest expense to average assets | 2.5651% | 4,506 |
| Loan and lease loss provision to assets | 0.1207% | 2,814 |
| Net operating income to assets | 0.4560% | 4,988 |
| Return on assets (ROA) | 0.4177% | 5,307 |
| Pretax return on assets | 0.6360% | 4,890 |
| Return on Equity (ROE) | 4.7814% | 4,838 |
| Retained earnings to average equity (ytd only) | 2.8053% | 4,528 |
| Net charge-offs to loans | 0.1795% | 2,680 |
| Credit loss provision to net charge-offs | 78.5953% | 2,660 |
| Earnings coverage of net charge-offs (x) | 5.3043% | 2,917 |
| Efficiency ratio | 75.8170% | 2,815 |
| Assets per employee ($millions) | 4.9651% | 2,153 |
| Cash dividends to net income (ytd only)* | 41.3284% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 6,479 |
| Loan loss allowance to noncurrent loans | 201.8503% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 5,148 |
| Noncurrent loans to loans | 0.3536% | 5,396 |
| Net loans and leases to total assets | 85.1267% | 182 |
| Net loans and leases to deposits | 111.1199% | 124 |
| Net loans and leases to core deposits | 116.0180% | 387 |
| Total domestic deposits to total assets | 76.6080% | 6,184 |
| Equity capital to assets | 8.7181% | 5,526 |
| Core capital (leverage) ratio | 8.2727% | 5,919 |
| Tier 1 risk-based capital ratio | 12.8376% | 5,269 |
| Total risk-based capital ratio | 13.8463% | 5,373 |
| Memoranda: | ||
| Average total assets | $389,300,330 | 1,700 |
| Average earning assets | $361,348,330 | 1,675 |
| Average equity | $34,007,000 | 2,048 |
| Average total loans | $333,148,670 | 1,276 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 3,040 |
| Cost of funding earning assets | 1.0529% | 466 |
| Net interest margin | 3.2131% | 4,884 |
| Noninterest income to average assets | 0.3795% | 4,627 |
| Noninterest expense to average assets | 2.5444% | 4,594 |
| Loan and lease loss provision to assets | 0.1547% | 2,320 |
| Net operating income to assets | 0.4342% | 4,983 |
| Return on assets (ROA) | 0.4342% | 5,143 |
| Pretax return on assets | 0.6642% | 4,728 |
| Return on Equity (ROE) | 4.9657% | 4,588 |
| Retained earnings to average equity (ytd only) | 2.9842% | 4,494 |
| Net charge-offs to loans | 0.1110% | 2,767 |
| Credit loss provision to net charge-offs | 163.0435% | 1,286 |
| Earnings coverage of net charge-offs (x) | 8.6304% | 1,927 |
| Efficiency ratio | 75.5596% | 3,004 |
| Assets per employee ($millions) | 5.1802% | 2,002 |
| Cash dividends to net income (ytd only)* | 39.9050% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 6,523 |
| Loan loss allowance to noncurrent loans | 123.7978% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 5,093 |
| Noncurrent loans to loans | 0.6117% | 4,913 |
| Net loans and leases to total assets | 83.9796% | 190 |
| Net loans and leases to deposits | 108.4863% | 149 |
| Net loans and leases to core deposits | 114.1417% | 384 |
| Total domestic deposits to total assets | 77.4103% | 6,204 |
| Equity capital to assets | 8.6445% | 5,865 |
| Core capital (leverage) ratio | 8.1453% | 5,997 |
| Tier 1 risk-based capital ratio | 12.6937% | 5,434 |
| Total risk-based capital ratio | 13.7639% | 5,518 |
| Memoranda: | ||
| Average total assets | $387,830,000 | 1,726 |
| Average earning assets | $360,154,000 | 1,696 |
| Average equity | $33,912,500 | 2,080 |
| Average total loans | $331,572,000 | 1,282 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 3,097 |
| Cost of funding earning assets | 1.1866% | 621 |
| Net interest margin | 3.3891% | 4,921 |
| Noninterest income to average assets | 0.3832% | 4,728 |
| Noninterest expense to average assets | 2.5690% | 4,862 |
| Loan and lease loss provision to assets | 0.1237% | 4,073 |
| Net operating income to assets | 0.5415% | 4,512 |
| Return on assets (ROA) | 0.5415% | 4,768 |
| Pretax return on assets | 0.8484% | 4,115 |
| Return on Equity (ROE) | 6.3503% | 3,989 |
| Retained earnings to average equity (ytd only) | 4.3192% | 3,185 |
| Net charge-offs to loans | 0.0672% | 5,010 |
| Credit loss provision to net charge-offs | 219.1781% | 1,149 |
| Earnings coverage of net charge-offs (x) | 17.2237% | 1,517 |
| Efficiency ratio | 72.4818% | 3,328 |
| Assets per employee ($millions) | 4.9606% | 2,283 |
| Cash dividends to net income (ytd only)* | 31.9848% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7467% | 6,571 |
| Loan loss allowance to noncurrent loans | 112.9757% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 5,057 |
| Noncurrent loans to loans | 0.6609% | 4,875 |
| Net loans and leases to total assets | 85.7497% | 138 |
| Net loans and leases to deposits | 110.7084% | 146 |
| Net loans and leases to core deposits | 116.6433% | 343 |
| Total domestic deposits to total assets | 77.4554% | 6,174 |
| Equity capital to assets | 8.8469% | 5,691 |
| Core capital (leverage) ratio | 8.3485% | 5,828 |
| Tier 1 risk-based capital ratio | 12.8564% | 5,210 |
| Total risk-based capital ratio | 13.9303% | 5,282 |
| Memoranda: | ||
| Average total assets | $388,014,400 | 1,685 |
| Average earning assets | $361,546,200 | 1,655 |
| Average equity | $33,084,800 | 2,085 |
| Average total loans | $326,125,400 | 1,292 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 3,255 |
| Cost of funding earning assets | 1.2114% | 659 |
| Net interest margin | 3.3773% | 5,108 |
| Noninterest income to average assets | 0.3840% | 4,755 |
| Noninterest expense to average assets | 2.6058% | 4,724 |
| Loan and lease loss provision to assets | 0.0924% | 4,439 |
| Net operating income to assets | 0.5347% | 4,685 |
| Return on assets (ROA) | 0.5347% | 4,957 |
| Pretax return on assets | 0.8369% | 4,353 |
| Return on Equity (ROE) | 6.3286% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.2866% | 3,875 |
| Net charge-offs to loans | 0.0275% | 5,274 |
| Credit loss provision to net charge-offs | 402.9851% | 667 |
| Earnings coverage of net charge-offs (x) | 40.5229% | 878 |
| Efficiency ratio | 73.6541% | 3,041 |
| Assets per employee ($millions) | 5.2069% | 1,924 |
| Cash dividends to net income (ytd only)* | 32.2662% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 6,706 |
| Loan loss allowance to noncurrent loans | 109.2147% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 5,296 |
| Noncurrent loans to loans | 0.6673% | 5,109 |
| Net loans and leases to total assets | 81.7439% | 366 |
| Net loans and leases to deposits | 102.2577% | 335 |
| Net loans and leases to core deposits | 107.4526% | 674 |
| Total domestic deposits to total assets | 79.9391% | 5,672 |
| Equity capital to assets | 8.3462% | 6,388 |
| Core capital (leverage) ratio | 7.7244% | 6,513 |
| Tier 1 risk-based capital ratio | 12.7755% | 5,425 |
| Total risk-based capital ratio | 13.8410% | 5,534 |
| Memoranda: | ||
| Average total assets | $389,527,250 | 1,700 |
| Average earning assets | $363,442,250 | 1,666 |
| Average equity | $32,908,000 | 2,111 |
| Average total loans | $325,157,750 | 1,307 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 3,116 |
| Cost of funding earning assets | 1.2479% | 657 |
| Net interest margin | 3.4069% | 5,054 |
| Noninterest income to average assets | 0.3712% | 4,863 |
| Noninterest expense to average assets | 2.6065% | 4,755 |
| Loan and lease loss provision to assets | 0.1244% | 3,964 |
| Net operating income to assets | 0.5247% | 4,700 |
| Return on assets (ROA) | 0.5247% | 4,976 |
| Pretax return on assets | 0.8198% | 4,403 |
| Return on Equity (ROE) | 6.1853% | 4,218 |
| Retained earnings to average equity (ytd only) | 4.1317% | 3,861 |
| Net charge-offs to loans | 0.0464% | 4,742 |
| Credit loss provision to net charge-offs | 320.0000% | 924 |
| Earnings coverage of net charge-offs (x) | 24.2800% | 1,223 |
| Efficiency ratio | 73.3645% | 3,181 |
| Assets per employee ($millions) | 4.8267% | 2,389 |
| Cash dividends to net income (ytd only)* | 33.2016% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 6,811 |
| Loan loss allowance to noncurrent loans | 130.3965% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 5,588 |
| Noncurrent loans to loans | 0.5479% | 5,422 |
| Net loans and leases to total assets | 85.2202% | 169 |
| Net loans and leases to deposits | 107.9209% | 183 |
| Net loans and leases to core deposits | 113.7822% | 459 |
| Total domestic deposits to total assets | 78.9654% | 5,968 |
| Equity capital to assets | 8.5651% | 6,148 |
| Core capital (leverage) ratio | 8.1203% | 6,141 |
| Tier 1 risk-based capital ratio | 12.4454% | 5,607 |
| Total risk-based capital ratio | 13.4809% | 5,753 |
| Memoranda: | ||
| Average total assets | $385,724,670 | 1,716 |
| Average earning assets | $359,978,670 | 1,679 |
| Average equity | $32,723,000 | 2,103 |
| Average total loans | $323,495,000 | 1,312 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 3,187 |
| Cost of funding earning assets | 1.2802% | 683 |
| Net interest margin | 3.3859% | 5,175 |
| Noninterest income to average assets | 0.3434% | 5,110 |
| Noninterest expense to average assets | 2.5711% | 4,921 |
| Loan and lease loss provision to assets | 0.1245% | 3,789 |
| Net operating income to assets | 0.5209% | 4,733 |
| Return on assets (ROA) | 0.5209% | 4,942 |
| Pretax return on assets | 0.8145% | 4,361 |
| Return on Equity (ROE) | 6.1693% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.1047% | 4,128 |
| Net charge-offs to loans | 0.0501% | 4,001 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 22.6250% | 1,119 |
| Efficiency ratio | 73.2190% | 3,219 |
| Assets per employee ($millions) | 5.0209% | 2,229 |
| Cash dividends to net income (ytd only)* | 33.4661% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7030% | 6,870 |
| Loan loss allowance to noncurrent loans | 124.2111% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 5,672 |
| Noncurrent loans to loans | 0.5660% | 5,532 |
| Net loans and leases to total assets | 83.4102% | 198 |
| Net loans and leases to deposits | 104.2354% | 247 |
| Net loans and leases to core deposits | 109.8502% | 541 |
| Total domestic deposits to total assets | 80.0210% | 5,849 |
| Equity capital to assets | 8.4661% | 6,114 |
| Core capital (leverage) ratio | 7.9707% | 6,283 |
| Tier 1 risk-based capital ratio | 12.5567% | 5,561 |
| Total risk-based capital ratio | 13.5787% | 5,695 |
| Memoranda: | ||
| Average total assets | $385,519,500 | 1,720 |
| Average earning assets | $360,557,000 | 1,683 |
| Average equity | $32,548,000 | 2,114 |
| Average total loans | $319,526,000 | 1,327 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 3,896 |
| Cost of funding earning assets | 1.4077% | 1,005 |
| Net interest margin | 3.3738% | 5,564 |
| Noninterest income to average assets | 0.3824% | 4,770 |
| Noninterest expense to average assets | 2.6877% | 4,790 |
| Loan and lease loss provision to assets | 0.1585% | 4,647 |
| Net operating income to assets | 0.4495% | 4,646 |
| Return on assets (ROA) | 0.4495% | 4,854 |
| Pretax return on assets | 0.6890% | 4,363 |
| Return on Equity (ROE) | 5.6315% | 4,066 |
| Retained earnings to average equity (ytd only) | 4.4800% | 2,981 |
| Net charge-offs to loans | 0.0885% | 5,448 |
| Credit loss provision to net charge-offs | 218.1818% | 1,118 |
| Earnings coverage of net charge-offs (x) | 11.6691% | 1,695 |
| Efficiency ratio | 75.3773% | 2,996 |
| Assets per employee ($millions) | 4.9286% | 2,305 |
| Cash dividends to net income (ytd only)* | 20.4465% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7009% | 6,903 |
| Loan loss allowance to noncurrent loans | 123.2103% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 5,801 |
| Noncurrent loans to loans | 0.5689% | 5,576 |
| Net loans and leases to total assets | 81.1837% | 395 |
| Net loans and leases to deposits | 102.4599% | 353 |
| Net loans and leases to core deposits | 107.7859% | 708 |
| Total domestic deposits to total assets | 79.2346% | 5,934 |
| Equity capital to assets | 8.4190% | 6,236 |
| Core capital (leverage) ratio | 7.8615% | 6,389 |
| Tier 1 risk-based capital ratio | 12.9461% | 5,113 |
| Total risk-based capital ratio | 13.9772% | 5,265 |
| Memoranda: | ||
| Average total assets | $378,655,000 | 1,711 |
| Average earning assets | $353,847,600 | 1,673 |
| Average equity | $30,223,000 | 2,179 |
| Average total loans | $310,622,000 | 1,366 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 3,947 |
| Cost of funding earning assets | 1.4312% | 1,100 |
| Net interest margin | 3.3876% | 5,610 |
| Noninterest income to average assets | 0.3782% | 4,836 |
| Noninterest expense to average assets | 2.7429% | 4,569 |
| Loan and lease loss provision to assets | 0.1414% | 4,672 |
| Net operating income to assets | 0.4319% | 4,851 |
| Return on assets (ROA) | 0.4319% | 5,045 |
| Pretax return on assets | 0.6589% | 4,617 |
| Return on Equity (ROE) | 5.4881% | 4,292 |
| Retained earnings to average equity (ytd only) | 4.6797% | 3,397 |
| Net charge-offs to loans | 0.0951% | 5,027 |
| Credit loss provision to net charge-offs | 180.9955% | 1,638 |
| Earnings coverage of net charge-offs (x) | 10.2443% | 1,950 |
| Efficiency ratio | 76.7658% | 2,711 |
| Assets per employee ($millions) | 4.9612% | 2,244 |
| Cash dividends to net income (ytd only)* | 14.7297% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 7,016 |
| Loan loss allowance to noncurrent loans | 260.0506% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 6,558 |
| Noncurrent loans to loans | 0.2537% | 6,365 |
| Net loans and leases to total assets | 79.0189% | 605 |
| Net loans and leases to deposits | 99.2533% | 500 |
| Net loans and leases to core deposits | 104.1701% | 969 |
| Total domestic deposits to total assets | 79.6134% | 5,844 |
| Equity capital to assets | 8.1847% | 6,573 |
| Core capital (leverage) ratio | 7.5310% | 6,750 |
| Tier 1 risk-based capital ratio | 12.9126% | 5,161 |
| Total risk-based capital ratio | 13.8980% | 5,355 |
| Memoranda: | ||
| Average total assets | $377,211,750 | 1,726 |
| Average earning assets | $352,413,000 | 1,686 |
| Average equity | $29,687,500 | 2,215 |
| Average total loans | $309,703,500 | 1,382 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 3,802 |
| Cost of funding earning assets | 1.4711% | 1,113 |
| Net interest margin | 3.3906% | 5,582 |
| Noninterest income to average assets | 0.3685% | 4,930 |
| Noninterest expense to average assets | 2.7236% | 4,728 |
| Loan and lease loss provision to assets | 0.1343% | 4,620 |
| Net operating income to assets | 0.4421% | 4,760 |
| Return on assets (ROA) | 0.4421% | 4,896 |
| Pretax return on assets | 0.6753% | 4,480 |
| Return on Equity (ROE) | 5.6974% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.9013% | 3,060 |
| Net charge-offs to loans | 0.1249% | 4,477 |
| Credit loss provision to net charge-offs | 129.5337% | 2,356 |
| Earnings coverage of net charge-offs (x) | 7.8083% | 2,163 |
| Efficiency ratio | 76.4178% | 2,950 |
| Assets per employee ($millions) | 5.7182% | 1,380 |
| Cash dividends to net income (ytd only)* | 13.9733% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6179% | 7,120 |
| Loan loss allowance to noncurrent loans | 170.1847% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 6,367 |
| Noncurrent loans to loans | 0.3631% | 6,177 |
| Net loans and leases to total assets | 83.7356% | 259 |
| Net loans and leases to deposits | 104.4788% | 303 |
| Net loans and leases to core deposits | 110.1110% | 718 |
| Total domestic deposits to total assets | 80.1460% | 5,787 |
| Equity capital to assets | 7.8704% | 6,758 |
| Core capital (leverage) ratio | 7.3251% | 6,851 |
| Tier 1 risk-based capital ratio | 11.6335% | 6,074 |
| Total risk-based capital ratio | 12.5642% | 6,302 |
| Memoranda: | ||
| Average total assets | $372,303,000 | 1,763 |
| Average earning assets | $347,493,670 | 1,724 |
| Average equity | $28,890,330 | 2,253 |
| Average total loans | $309,017,330 | 1,400 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 4,044 |
| Cost of funding earning assets | 1.7043% | 543 |
| Net interest margin | 3.0991% | 6,353 |
| Noninterest income to average assets | 0.4348% | 4,415 |
| Noninterest expense to average assets | 2.5335% | 5,438 |
| Loan and lease loss provision to assets | 0.1073% | 4,668 |
| Net operating income to assets | 0.4487% | 4,724 |
| Return on assets (ROA) | 0.4487% | 4,809 |
| Pretax return on assets | 0.6849% | 4,361 |
| Return on Equity (ROE) | 5.8240% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.1970% | 3,062 |
| Net charge-offs to loans | 0.0977% | 3,968 |
| Credit loss provision to net charge-offs | 133.3333% | 2,077 |
| Earnings coverage of net charge-offs (x) | 9.8400% | 1,685 |
| Efficiency ratio | 75.4680% | 3,246 |
| Assets per employee ($millions) | 5.0475% | 2,095 |
| Cash dividends to net income (ytd only)* | 10.7656% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5707% | 7,237 |
| Loan loss allowance to noncurrent loans | 142.5911% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 6,370 |
| Noncurrent loans to loans | 0.4002% | 6,195 |
| Net loans and leases to total assets | 82.1430% | 337 |
| Net loans and leases to deposits | 102.7746% | 353 |
| Net loans and leases to core deposits | 111.6016% | 669 |
| Total domestic deposits to total assets | 79.9254% | 5,964 |
| Equity capital to assets | 7.7398% | 6,720 |
| Core capital (leverage) ratio | 7.1906% | 6,918 |
| Tier 1 risk-based capital ratio | 13.2037% | 4,665 |
| Total risk-based capital ratio | 14.0746% | 4,939 |
| Memoranda: | ||
| Average total assets | $372,613,000 | 1,772 |
| Average earning assets | $347,586,500 | 1,732 |
| Average equity | $28,709,000 | 2,254 |
| Average total loans | $306,943,000 | 1,426 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 4,188 |
| Cost of funding earning assets | 1.8424% | 1,018 |
| Net interest margin | 3.2368% | 6,171 |
| Noninterest income to average assets | 0.4467% | 4,544 |
| Noninterest expense to average assets | 2.5607% | 5,576 |
| Loan and lease loss provision to assets | 0.0683% | 6,465 |
| Net operating income to assets | 0.5245% | 3,985 |
| Return on assets (ROA) | 0.5245% | 4,140 |
| Pretax return on assets | 0.8103% | 3,595 |
| Return on Equity (ROE) | 6.9492% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.0986% | 1,766 |
| Net charge-offs to loans | 0.0325% | 6,478 |
| Credit loss provision to net charge-offs | 257.7320% | 1,094 |
| Earnings coverage of net charge-offs (x) | 33.1546% | 676 |
| Efficiency ratio | 73.7549% | 3,453 |
| Assets per employee ($millions) | 4.9562% | 2,214 |
| Cash dividends to net income (ytd only)* | 12.2396% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5686% | 7,299 |
| Loan loss allowance to noncurrent loans | 209.4089% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 6,676 |
| Noncurrent loans to loans | 0.2715% | 6,520 |
| Net loans and leases to total assets | 81.6690% | 478 |
| Net loans and leases to deposits | 103.0668% | 441 |
| Net loans and leases to core deposits | 111.5925% | 838 |
| Total domestic deposits to total assets | 79.2389% | 6,023 |
| Equity capital to assets | 7.6696% | 6,766 |
| Core capital (leverage) ratio | 7.1229% | 6,955 |
| Tier 1 risk-based capital ratio | 13.3191% | 4,358 |
| Total risk-based capital ratio | 14.1975% | 4,613 |
| Memoranda: | ||
| Average total assets | $366,037,000 | 1,792 |
| Average earning assets | $338,421,000 | 1,763 |
| Average equity | $27,629,200 | 2,336 |
| Average total loans | $298,840,200 | 1,499 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 4,168 |
| Cost of funding earning assets | 1.8612% | 1,161 |
| Net interest margin | 3.2692% | 6,115 |
| Noninterest income to average assets | 0.4388% | 4,646 |
| Noninterest expense to average assets | 2.6102% | 5,282 |
| Loan and lease loss provision to assets | 0.0549% | 6,522 |
| Net operating income to assets | 0.5112% | 4,265 |
| Return on assets (ROA) | 0.5112% | 4,457 |
| Pretax return on assets | 0.7895% | 3,952 |
| Return on Equity (ROE) | 6.8004% | 3,431 |
| Retained earnings to average equity (ytd only) | 5.9735% | 2,370 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8597% | 3,168 |
| Assets per employee ($millions) | 5.1383% | 2,011 |
| Cash dividends to net income (ytd only)* | 12.1602% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5765% | 7,379 |
| Loan loss allowance to noncurrent loans | 225.3576% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 6,858 |
| Noncurrent loans to loans | 0.2558% | 6,670 |
| Net loans and leases to total assets | 78.6063% | 943 |
| Net loans and leases to deposits | 97.8514% | 805 |
| Net loans and leases to core deposits | 105.3350% | 1,376 |
| Total domestic deposits to total assets | 80.3323% | 5,601 |
| Equity capital to assets | 7.3913% | 7,185 |
| Core capital (leverage) ratio | 6.8459% | 7,235 |
| Tier 1 risk-based capital ratio | 13.0483% | 4,545 |
| Total risk-based capital ratio | 13.9221% | 4,824 |
| Memoranda: | ||
| Average total assets | $364,617,750 | 1,819 |
| Average earning assets | $336,338,250 | 1,799 |
| Average equity | $27,409,250 | 2,383 |
| Average total loans | $297,222,500 | 1,523 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 3,905 |
| Cost of funding earning assets | 1.8875% | 1,280 |
| Net interest margin | 3.3216% | 5,937 |
| Noninterest income to average assets | 0.4057% | 4,866 |
| Noninterest expense to average assets | 2.6371% | 5,181 |
| Loan and lease loss provision to assets | 0.0556% | 6,400 |
| Net operating income to assets | 0.5014% | 4,325 |
| Return on assets (ROA) | 0.5014% | 4,472 |
| Pretax return on assets | 0.7701% | 3,985 |
| Return on Equity (ROE) | 6.6304% | 3,474 |
| Retained earnings to average equity (ytd only) | 5.8578% | 2,413 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4459% | 3,171 |
| Assets per employee ($millions) | 4.4787% | 2,913 |
| Cash dividends to net income (ytd only)* | 11.6537% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5545% | 7,463 |
| Loan loss allowance to noncurrent loans | 223.5060% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 6,883 |
| Noncurrent loans to loans | 0.2481% | 6,734 |
| Net loans and leases to total assets | 83.2095% | 414 |
| Net loans and leases to deposits | 106.5442% | 367 |
| Net loans and leases to core deposits | 114.4298% | 900 |
| Total domestic deposits to total assets | 78.0986% | 6,246 |
| Equity capital to assets | 7.6092% | 7,044 |
| Core capital (leverage) ratio | 7.0390% | 7,163 |
| Tier 1 risk-based capital ratio | 12.0354% | 5,277 |
| Total risk-based capital ratio | 12.8336% | 5,652 |
| Memoranda: | ||
| Average total assets | $359,412,670 | 1,861 |
| Average earning assets | $330,805,330 | 1,844 |
| Average equity | $27,177,670 | 2,401 |
| Average total loans | $296,090,000 | 1,543 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 4,231 |
| Cost of funding earning assets | 1.9116% | 1,400 |
| Net interest margin | 3.2514% | 6,126 |
| Noninterest income to average assets | 0.3936% | 4,964 |
| Noninterest expense to average assets | 2.5952% | 5,377 |
| Loan and lease loss provision to assets | 0.0559% | 6,101 |
| Net operating income to assets | 0.4864% | 4,466 |
| Return on assets (ROA) | 0.4864% | 4,601 |
| Pretax return on assets | 0.7436% | 4,083 |
| Return on Equity (ROE) | 6.4529% | 3,634 |
| Retained earnings to average equity (ytd only) | 5.8596% | 2,686 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7246% | 3,263 |
| Assets per employee ($millions) | 4.8197% | 2,479 |
| Cash dividends to net income (ytd only)* | 9.1954% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5558% | 7,546 |
| Loan loss allowance to noncurrent loans | 217.7333% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,927 |
| Noncurrent loans to loans | 0.2553% | 6,823 |
| Net loans and leases to total assets | 83.0420% | 471 |
| Net loans and leases to deposits | 106.6869% | 397 |
| Net loans and leases to core deposits | 112.3836% | 1,138 |
| Total domestic deposits to total assets | 77.8371% | 6,359 |
| Equity capital to assets | 7.7211% | 6,912 |
| Core capital (leverage) ratio | 7.1222% | 7,165 |
| Tier 1 risk-based capital ratio | 11.9012% | 5,302 |
| Total risk-based capital ratio | 12.6818% | 5,709 |
| Memoranda: | ||
| Average total assets | $357,733,500 | 1,917 |
| Average earning assets | $330,191,500 | 1,898 |
| Average equity | $26,964,500 | 2,441 |
| Average total loans | $292,363,500 | 1,610 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3622% | 4,879 |
| Cost of funding earning assets | 2.2003% | 2,031 |
| Net interest margin | 3.1619% | 6,199 |
| Noninterest income to average assets | 0.4747% | 4,616 |
| Noninterest expense to average assets | 2.5810% | 5,858 |
| Loan and lease loss provision to assets | 0.0586% | 6,978 |
| Net operating income to assets | 0.5500% | 3,525 |
| Return on assets (ROA) | -0.2225% | 5,862 |
| Pretax return on assets | -0.4433% | 5,958 |
| Return on Equity (ROE) | -3.1123% | 6,000 |
| Retained earnings to average equity (ytd only) | -3.7684% | 5,835 |
| Net charge-offs to loans | 0.0114% | 7,070 |
| Credit loss provision to net charge-offs | 625.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 87.6563% | 313 |
| Efficiency ratio | 75.0775% | 3,692 |
| Assets per employee ($millions) | 5.0504% | 2,156 |
| Cash dividends to net income (ytd only)* | -21.0804% | 7,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5441% | 7,626 |
| Loan loss allowance to noncurrent loans | 303.8388% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 7,117 |
| Noncurrent loans to loans | 0.1791% | 6,975 |
| Net loans and leases to total assets | 79.5694% | 1,076 |
| Net loans and leases to deposits | 101.8115% | 761 |
| Net loans and leases to core deposits | 118.1836% | 2,107 |
| Total domestic deposits to total assets | 78.1537% | 6,182 |
| Equity capital to assets | 7.3600% | 7,154 |
| Core capital (leverage) ratio | 6.7734% | 7,382 |
| Tier 1 risk-based capital ratio | 11.0081% | 5,907 |
| Total risk-based capital ratio | 11.7201% | 6,398 |
| Memoranda: | ||
| Average total assets | $341,072,800 | 1,996 |
| Average earning assets | $315,915,400 | 1,975 |
| Average equity | $24,387,200 | 2,673 |
| Average total loans | $279,591,000 | 1,722 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4328% | 4,777 |
| Cost of funding earning assets | 2.2580% | 2,161 |
| Net interest margin | 3.1747% | 6,103 |
| Noninterest income to average assets | 0.4969% | 4,510 |
| Noninterest expense to average assets | 2.6306% | 5,599 |
| Loan and lease loss provision to assets | 0.0477% | 6,894 |
| Net operating income to assets | 0.5652% | 3,742 |
| Return on assets (ROA) | -0.4821% | 6,412 |
| Pretax return on assets | -0.8788% | 6,590 |
| Return on Equity (ROE) | -6.7973% | 6,642 |
| Retained earnings to average equity (ytd only) | -7.3576% | 6,540 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7982% | 3,545 |
| Assets per employee ($millions) | 4.8640% | 2,311 |
| Cash dividends to net income (ytd only)* | -8.2440% | 7,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5361% | 7,664 |
| Loan loss allowance to noncurrent loans | 965.4088% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 7,462 |
| Noncurrent loans to loans | 0.0555% | 7,368 |
| Net loans and leases to total assets | 79.1163% | 1,366 |
| Net loans and leases to deposits | 99.6379% | 1,137 |
| Net loans and leases to core deposits | 117.1967% | 2,507 |
| Total domestic deposits to total assets | 79.4038% | 5,658 |
| Equity capital to assets | 7.3260% | 7,414 |
| Core capital (leverage) ratio | 6.7277% | 7,569 |
| Tier 1 risk-based capital ratio | 11.8279% | 5,132 |
| Total risk-based capital ratio | 12.5825% | 5,546 |
| Memoranda: | ||
| Average total assets | $335,434,250 | 2,044 |
| Average earning assets | $310,526,750 | 2,022 |
| Average equity | $23,793,250 | 2,780 |
| Average total loans | $276,759,000 | 1,762 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5445% | 4,363 |
| Cost of funding earning assets | 2.3360% | 2,216 |
| Net interest margin | 3.2085% | 5,885 |
| Noninterest income to average assets | 0.5011% | 4,435 |
| Noninterest expense to average assets | 2.6504% | 5,558 |
| Loan and lease loss provision to assets | 0.0367% | 6,873 |
| Net operating income to assets | 0.6208% | 3,584 |
| Return on assets (ROA) | -0.9894% | 6,974 |
| Pretax return on assets | -1.7331% | 7,184 |
| Return on Equity (ROE) | -14.1184% | 7,289 |
| Retained earnings to average equity (ytd only) | -14.8160% | 7,225 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6076% | 3,763 |
| Assets per employee ($millions) | 4.4344% | 2,866 |
| Cash dividends to net income (ytd only)* | -4.9413% | 7,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5199% | 7,766 |
| Loan loss allowance to noncurrent loans | 1,305.3097% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 7,531 |
| Noncurrent loans to loans | 0.0398% | 7,441 |
| Net loans and leases to total assets | 83.7525% | 674 |
| Net loans and leases to deposits | 110.4137% | 537 |
| Net loans and leases to core deposits | 130.2345% | 1,538 |
| Total domestic deposits to total assets | 75.8534% | 6,584 |
| Equity capital to assets | 6.9063% | 7,657 |
| Core capital (leverage) ratio | 6.2772% | 7,862 |
| Tier 1 risk-based capital ratio | 10.5209% | 6,361 |
| Total risk-based capital ratio | 11.2594% | 6,840 |
| Memoranda: | ||
| Average total assets | $327,267,000 | 2,109 |
| Average earning assets | $302,820,000 | 2,095 |
| Average equity | $22,934,670 | 2,866 |
| Average total loans | $273,577,670 | 1,802 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5917% | 4,405 |
| Cost of funding earning assets | 2.3571% | 2,480 |
| Net interest margin | 3.2346% | 5,739 |
| Noninterest income to average assets | 0.4975% | 4,337 |
| Noninterest expense to average assets | 2.6948% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5558% | 4,198 |
| Return on assets (ROA) | 0.5558% | 4,382 |
| Pretax return on assets | 0.8077% | 4,054 |
| Return on Equity (ROE) | 7.8719% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.5205% | 2,013 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1601% | 3,461 |
| Assets per employee ($millions) | 4.6695% | 2,484 |
| Cash dividends to net income (ytd only)* | 4.4643% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5190% | 7,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 82.9815% | 846 |
| Net loans and leases to deposits | 105.9109% | 869 |
| Net loans and leases to core deposits | 123.0208% | 2,165 |
| Total domestic deposits to total assets | 78.3503% | 5,907 |
| Equity capital to assets | 7.0050% | 7,679 |
| Core capital (leverage) ratio | 6.3440% | 7,928 |
| Tier 1 risk-based capital ratio | 10.8366% | 6,057 |
| Total risk-based capital ratio | 11.5813% | 6,482 |
| Memoranda: | ||
| Average total assets | $322,394,500 | 2,148 |
| Average earning assets | $299,514,500 | 2,128 |
| Average equity | $22,764,500 | 2,895 |
| Average total loans | $268,501,000 | 1,849 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8565% | 6,250 |
| Cost of funding earning assets | 2.7865% | 2,763 |
| Net interest margin | 3.0700% | 6,741 |
| Noninterest income to average assets | 0.4508% | 5,034 |
| Noninterest expense to average assets | 2.6560% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4028% | 5,135 |
| Return on assets (ROA) | 0.4028% | 4,953 |
| Pretax return on assets | 0.6279% | 4,605 |
| Return on Equity (ROE) | 5.5830% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.8953% | 2,088 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0491% | 2,598 |
| Assets per employee ($millions) | 4.6076% | 2,467 |
| Cash dividends to net income (ytd only)* | 12.3172% | 4,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 7,793 |
| Loan loss allowance to noncurrent loans | 2,721.1538% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 7,539 |
| Noncurrent loans to loans | 0.0197% | 7,442 |
| Net loans and leases to total assets | 82.7036% | 1,100 |
| Net loans and leases to deposits | 108.5339% | 938 |
| Net loans and leases to core deposits | 122.4511% | 2,459 |
| Total domestic deposits to total assets | 76.2007% | 6,194 |
| Equity capital to assets | 7.1187% | 7,672 |
| Core capital (leverage) ratio | 6.5050% | 7,936 |
| Tier 1 risk-based capital ratio | 11.1757% | 5,563 |
| Total risk-based capital ratio | 11.9454% | 5,914 |
| Memoranda: | ||
| Average total assets | $322,518,000 | 2,069 |
| Average earning assets | $297,618,200 | 2,059 |
| Average equity | $23,267,200 | 2,817 |
| Average total loans | $266,663,800 | 1,790 |